Helping You Submit Your Claim “Guide To Making Your Claim”

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U.S. Life Insurance ClaimsNew England Life Insurance CompanyBrighthouse Life Insurance CompanyBrighthouse Life Insurance Company of NYOn behalf of Brighthouse Financial, please accept our sincere condolences during this difficult time.Helping you submit your claimWe’ve enclosed a “Guide to making your claim” which describes the steps to submit your claim.We’re here to helpWe recognize this may be a challenging time for you. If you have questions, or need help preparing your claim,call us at 1-800-638-5000. Our Customer Service Center is open Monday through Friday, 9:00 a.m. to 6:00 p.m. EST.Sincerely,Brighthouse FinancialU.S. Life Insurance ClaimsIND-LTR-B (02/17)Page 1 of 1Fs-B

U.S. Life Insurance ClaimsGuide to making your claimWhat you’ll find in this package Life insurance claim form – You’ll need to complete and return this to us with the death certificate.To submit your claim, follow these steps:1. CompleteComplete the enclosed Life insurance claim form by following the instructions on the form. Please provide allthe information requested so we may process your claim as quickly as possible.2. ReturnPlease send us your completed claim form and the documents we ask for in Section 6 of the form.3. We will process your claim and send any proceeds owed in a check.What to expect after you submit your claimWe’re committed to processing your claim as quickly as possible. Once we receive all your information,we’re able to process a typical claim within 5-7 business days.Metropolitan Life Insurance Company (MetLife) is a Third Party Administrator for Brighthouse Life InsuranceCompany, Life Insurance Company of NY and New England Life Insurance Company.IND-CLAIM-GUIDE-B (06/18)Page 1 of 1Fs-B

Claim Fraud WarningsBefore signing this claim form, please read the warning for the state where you reside and for the state wherethe insurance policy under which you are claiming a benefit was issued.Alabama, Arkansas, District of Columbia, Louisiana, Massachusetts, Minnesota, New Mexico, Ohio,Rhode Island and West Virginia: Any person who knowingly presents a false or fraudulent claim for paymentof a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime andmay be subject to fines and confinement in prison.Alaska: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files aclaim containing false, incomplete or misleading information may be prosecuted under state law.Arizona: For your protection, Arizona law requires the following statement to appear on thisform. Any person who knowingly presents a false or fraudulent claim for payment of a loss issubject to criminal and civil penalties.California: For your protection, California law requires the following to appear on this form: Any person whoknowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subjectto fines and confinement in state prison.Colorado: It is unlawful to knowingly provide false, incomplete or misleading facts or information to aninsurance company for the purpose of defrauding or attempting to defraud the company. Penalties may includeimprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurancecompany who knowingly provides false, incomplete, or misleading facts or information to a policyholder orclaimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to asettlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurancewithin the Department of Regulatory Agencies.Delaware, Idaho, Indiana and Oklahoma: WARNING: Any person who knowingly, and with intent to injure,defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false,incomplete or misleading information is guilty of a felony.Florida: A person who knowingly and with intent to injure, defraud or deceive any insurer files a statement ofclaim or an application containing any false, incomplete or misleading information is guilty of a felony of the thirddegree.Hawaii: For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim forpayment of a loss or benefit is a crime punishable by fines or imprisonment or both.Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person files astatement of claim containing any materially false information or conceals, for the purpose of misleading,information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.Maine, Tennessee, Virginia and Washington: It is a crime to knowingly provide false, incomplete ormisleading information to an insurance company for the purposes of defrauding the company. Penalties mayinclude imprisonment, fines or a denial of insurance benefits.Maryland: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss orbenefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crimeand may be subject to fines and confinement in prison.New Hampshire: Any person who, with a purpose to injure, defraud or deceive any insurance company, files astatement of claim containing any false, incomplete or misleading information is subject to prosecution andpunishment for insurance fraud as provided in R.S.A. 638.20.New Jersey: Any person who knowingly files a statement of claim containing any false or misleadinginformation is subject to criminal and civil penalties.Oregon and Vermont: Any person who knowingly presents a false statement of claim for insurance may beguilty of a criminal offense and subject to penalties under state law.Puerto Rico: Any person who knowingly and with the intention to defraud includes false information in anapplication for insurance or files, assists or abets in the filing of a fraudulent claim to obtain payment of a loss orother benefit, or files more than one claim for the same loss or damage, commits a felony and if found guiltyshall be punished for each violation with a fine of no less than five thousand dollars ( 5,000), not to exceed tenthousand dollars ( 10,000); or imprisoned for a fixed term of three (3) years, or both. If aggravatingcircumstances exist, the fixed jail term may be increased to a maximum of five (5) years; and if mitigatingcircumstances are present, the jail term may be reduced to a minimum of two (2) years.Texas: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of acrime and may be subject to fines and confinement in state prison.Pennsylvania and all other states: Any person who knowingly and with intent to defraud any insurancecompany or other person files an application for insurance or statement of claim containing any materially falseinformation or conceals for the purpose of misleading, information concerning any fact material thereto commitsa fraudulent insurance act, which is a crime and subjects such person to criminal or civil penalties.EFRDCLM-96-15-B (06/18)Page 1 of 1Fs-B

U.S. Life Insurance ClaimsLife insurance claim formUse this form to submit your claim for a life insurance policy payment.New England Life Insurance CompanyBrighthouse Life Insurance CompanyBrighthouse Life Insurance Company of NYThings to know before you begin Each beneficiary submitting a claim must complete and submit aseparate claim form. However, we only need one death certificate.Please correct and initialany errors on the form. Please answer each question fully and accurately. If you return thisform with missing or incorrect information, it will delay your claim.SECTION 1: About youYour name (first, middle, last) - Please print your name the way you want it to appear on your payment.FirstMiddleLastMaiden nameRelationship to the insuredMailing address (Street number and name, apartment or suite)CityStateZIP codeDate of birth (mm/dd/yyyy) Sex (M/F) Social Security numberCountry of CitizenshipPlease tell us if you would like to receive claim statuses electronically* (check the box and provide information)Phone numberCell phone numberEmail addressI consent to receive claim status e-mails and text messages as indicated above.*Please see the enclosed About Electronic Statusing in Section 6 for more details.SECTION 2: About the deceasedFirst nameMiddleLastResidence address (Street number and name, apartment or suite)Maiden nameCityStateDate of birth (mm/dd/yyyy)Marital status:SingleDate of death (mm/dd/yyyy)MarriedDivorcedSeparatedZIP codeSocial Security numberWidow/widowerSECTION 3: About your claimPlease list the policy number and suffix (if applicable) for all policies you’re making a claim onECLM-96-15-BPage 1 of 4(10/18) Fs-B

SECTION 4: How you will receive your claim paymentWe will mail a check to you.Add any special instructions or comments you have for us here.For Illinois residents and policies issued in Illinois only – By law, we’re required to process and pay your lifeclaim within 31 days of the receipt of the insured’s death certificate. If we don’t make a payment to you withinthis time, your life claim amount will accumulate interest at the rate of 10% annually, calculated from the datethe person died, to the date the total amount due to you is paid.SECTION 5: Certification and signatureBy signing this claim form, you certify that: All the information you have given is true and complete to the best of your knowledge. If we overpay you, we have the right to recover the amount we overpaid. This can happen if we find we’vepaid you more than you’re entitled to under this life insurance claim, or if we paid you when we should havepaid someone else. You agree to repay us the amount we overpaid. You also understand that if you do notrepay us, we may take steps, including legal action, to recover the overpayment. You have read the Claim Fraud Warnings included with this form. New York residents: Any person whoknowingly and with intent to defraud any insurance company or other person files an application forinsurance or statement of claim containing any materially false information, or conceals for the purpose ofmisleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is acrime, and shall also be subject to civil penalty not to exceed five thousand dollars and the stated value ofthe claim for each such violation.Under the penalties of perjury I certify:1. That the number shown as my Social Security Number in “Section 1: About you” is my correct taxpayeridentification number, and2. That I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) Ihave not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding asa result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longersubject to backup withholding, and3. I am a U.S. citizen, resident alien, or other U.S. person*, and4. I am not subject to FATCA reporting because I am a U.S. person* and the account is located within theUnited States.(Please note: You must cross out Item 2 above if the IRS has notified you that you are currently subject to backupwithholding because you failed to report all interest or dividend income on your tax return.)*If you are not a U.S. Citizen, a U.S. resident alien or other U.S. person for tax purposes, pleasecomplete form W-8BEN (individuals) or W-8BEN-E (entities).The Internal Revenue Service does not require your consent to any provision of this document other than thecertifications required to avoid backup withholding.Signature of person making the claimECLM-96-15-BDate signed (mm/dd/yyyy)Page 2 of 4(10/18) Fs-B

SECTION 6: How to submit this form6A. Check off the items you’re sending with this claim formDeath certificate. If your claim is for more than 100,000, we require a certified death certificate. Acertified death certificate has a raised or colored seal on it. The funeral director taking care of thefuneral arrangements can usually arrange to have the death certificate certified. We only require onedeath certificate – if you’re aware of another claimant who’s sending one, you don’t have to send it.Policies for which you’re making a claim.If you signed a document with a funeral home that authorizes us to make a payment directly to them, acopy of that document.If the person died in an accident and you’re making an accidental death benefit claim, proof of theaccident - police reports and other supporting documents.If you have Power of Attorney, a copy of the appointment papers naming you as the attorney-in-fact forthe beneficiary.About Electronic StatusingBrighthouse Financial provides electronic statusing as a convenience to you. Please review the following termsand conditions carefully before provide (a) your agreement to them, and (b) your consent to receiving electronicstatuses.By agreeing to the terms of this Agreement, you are consenting to receive claims statuses in one or more of thefollowing ways:1. When a change has been made to your claim, we will send you an email advising you that we have madesuch a change;Such e-mails will be sent to the current e-mail address we have on file for you. In addition, we can notify youabout the availability of claim statuses by text messages (SMS - Short Messaging Service). If you agree toreceive notification of the availability of claim status messages by text message, you acknowledge and agreethat any charges associated with your receipt of these messages are fully your obligation and are notreimbursable by Brighthouse Financial of any of its affiliates. There may be other third party costs for Internetaccess fees of text message (SMS) charges that are not reimbursable by Brighthouse Financial or any of itsaffiliates.We will continue to deliver information in writ