This company has inept employees. I am so infuriated that they took over from MetLife. I had great help from MetLife, Brighthouse doesn't have it's act together. I have been transferred on one phone call to 7 different people, none of them were knowledgeable as to what I needed. Each rep gave a different answer to my question. I never can speak to an American representative so there is a language difficulty. The reps try and over talk you when you voice your frustration with their poor customer service. I want to move my monies from their incapable company today!!