Brighthouse Life universal life cost of insurance settlement
Martin v. Brighthouse Life Insurance Company
Also known as Brighthouse Financial; MetLife universal life; Travelers universal life; 1:21-cv-02923
The lawsuit claimed Brighthouse did not lower cost of insurance rates as mortality and expenses improved.
Copied from the official notice. Last compared Nov 3, 2026.
- You could get
- A share of the fund $9.25 million fund, split among everyone who files.
Source
“Share of a $9.25 million fund”
From the administrator site: Official FAQ. Last compared Nov 3, 2026.
- Claims
- No claim form needed
Source
“If you do nothing, you will automatically receive a cash payment, you will stay in the Settlement Class, and the Settlement will apply to you. ... If your mailing address or email address changes, please send your new contact information in writing to:”
From the administrator site: Official FAQ. Last compared Nov 3, 2026.
- Who can file
- Owned one of 22 listed Brighthouse Life universal life policies
Source
“If you own or owned a UL Insurance Policy in any of the fifty (50) states, Puerto Rico, or any U.S. territory issued and/or administered by Brighthouse Life Insurance Company, you may be entitled to a cash payment from a Settlement.”
From the administrator site: Official settlement site home page. Last compared Nov 3, 2026.
- Where
- Anywhere in the U.S.
Source
“You are a member of the Settlement Class if you own or owned a UL insurance policy in any of the 50 states, Puerto Rico or any United States territory issued and/or administered by Brighthouse Life Insurance Company that contains the language: “We will base these [cost of insurance] rates only on our future outlook for mortality and expenses,” and that was in force as determined by the applicable statute of limitations as of April 6, 2021.”
From the administrator site: Official settlement site home page. Last compared Nov 3, 2026.
Quick answers
How much is the Brighthouse Life universal life cost of insurance settlement payout?
A share of the fund. $9.25 million fund, split among everyone who files.
Do I need to file a claim for the Brighthouse Life universal life cost of insurance settlement?
No claim form. Payment is automatic. Payment is automatic for Settlement Class Members. If your mailing or email address changes, send your new contact information in writing to the address in FAQ 11 on the official site.
When will the Brighthouse Life universal life cost of insurance settlement pay?
Payment can only happen after the court gives final approval and any appeals are over.
The final approval hearing is set for Jan 26, 2027.
Is the Brighthouse Life universal life cost of insurance settlement legit?
The settlement administrator (the company that handles claims) is Epiq, and the official site is brighthouseinsurancecase.com. Real notices point there; if a link in a message goes anywhere else, do not use it.
The official site never asks you to pay to file.
Also ending this week
Related settlements
Confirm with the administrator before you act.
Case details
- Case
- Martin v. Brighthouse Life Insurance Company
- Court
- U.S. District Court, Southern District of New York
- Case number
- 1:21-cv-02923
- Administrator
- Epiq
- Official site
- brighthouseinsurancecase.com
- Settlement fund
- $9.25 million
- Full payout terms
- Share of a $9.25 million fundA share of the $9.25 million Settlement Fund after Settlement Administration Expenses, the Service Award and Class Counsel's Fees and Expenses are deducted. The fund is reduced based on the face value of policies that opt out. The site and notice give no per-policy amount or formula.
Other dates
- Opt-out (exclusion) deadline
- (ahead) source document
- Objection deadline
- (ahead) source document
- Final approval hearing
- (ahead) source document
The court’s exact words
You are a member of the Settlement Class if you own or owned a UL insurance policy in any of the 50 states, Puerto Rico or any United States territory issued and/or administered by Brighthouse Life Insurance Company that contains the language: “We will base these [cost of insurance] rates only on our future outlook for mortality and expenses,” and that was in force as determined by the applicable statute of limitations as of April 6, 2021.
Quoted from the official notice. Read the notice for the full definition.
Our notes: The Settlement Class is owners (current or former) of 22 listed Brighthouse Life universal life policy forms: TUL91, TUL, ULX, TUL85, ULXP, TULP, ULXP86, UL, ULXP88, UL2, VUL, UL2JH, SPVUL, ULFP85, ULQPL, ULFP88, ULQP85, ULFPP, ULQP88, ULP, GCOUL1 and ULS, issued or administered by Brighthouse Life Insurance Company (or its predecessors MetLife Insurance Company USA, MetLife Insurance Company of Connecticut and Travelers Insurance Company), with the cost of insurance wording quoted in the class definition and in force as of April 6, 2021 as set by the statute of limitations. Excluded: Georgia-issued ULXP86 and ULXP88 policies (their owners are in the putative class in Newton v. Brighthouse, N.D. Ga.), only as to those policies; owners who opt out, only for the opted-out policy; the judge (or other presiding judge) and chambers or courtroom staff; Brighthouse and its affiliates, parents, subsidiaries, successors, predecessors and controlled entities; officers and directors named in its latest Form 10-K; and the legal representatives, successors or assigns of those people, in that capacity. Earlier, in 2025, a narrower class (ULX and ULXP policies only) was certified for trial.
You may be included if you own or owned a Brighthouse Life universal life policy in the U.S., Puerto Rico or a U.S. territory.
It covers 22 listed policy forms with the COI future-outlook wording, in force as of April 6, 2021, but not Georgia ULXP86 or ULXP88.
You are not included if you opt out, or are Brighthouse or an affiliate, a listed officer or director, or the judge or court staff.
Sources and checks (4)
Every fact people act on was copied from the official source and compared with it. How we check
- Official settlement site home page administrator site
- Official FAQ administrator site
- Long Form Notice (court-approved notice of settlement, hosted on the official site) administrator site
- Settlement Agreement (hosted on the official site) administrator site
What changedLast change Oct 31, 2026
- Page created. No claim form: payment is automatic. source document
Questions
I already filed. What now?
There is no claim form, so there was nothing to file. The administrator pays class members automatically, usually after final approval and any appeals. Never pay anyone to check on a payment.
Opting out
To leave the settlement and keep your right to sue on your own, follow the official notice by Dec 11, 2026. If you opt out, you get no payment. Opting out and objecting have separate rules; we cannot tell you which is right for you.