保险产品资产管理规模 - 我们的年金产品资产管理规模在2022年底为1935.57亿美元，较2021年底下降了39132.3亿美元[12] - 我们的Shield年金产品资产管理规模在2022年底为2551.6亿美元，较2021年底上升了388.4亿美元[13] - 我们的固定延期年金产品资产管理规模在2022年底为1918.9亿美元，较2021年底上升了3053.0亿美元[14] - 我们的收入年金产品资产管理规模在2022年底为456.9亿美元，较2021年底下降了107.6亿美元[15] - 我们的变动年金产品资产管理规模在2022年底为8256.0亿美元，较2021年底上升了728.4亿美元[16] 年金产品费用和特性 - 我们通过变动年金产品收取各种类型的费用，基于账户价值、基金资产和权益基数，GMxB费用基于权益基数，相对于基于账户价值的费用在市场下滑时更加稳定[18] - 公司通过管理专有基金收取投资管理费，这些费用会降低可变年金投资的净回报[19] - 公司的变动年金产品中，GMxBs提供了对市场下滑的保护，确保合同持有人能够获得特定的权益[17] 保单责任和风险管理 - 2022年12月31日，GMIB的账户价值为43873万美元，受益基数为69100万美元[31] - GMWB的账户价值为19270万美元，受益基数为22602万美元[31] - GMAB的账户价值为492万美元，受益基数为435万美元[31] - 2022年12月31日，GMIB的净风险金额为5517万美元，占账户价值的42.9%[32] - 2022年12月31日，GMWB的净风险金额为1584万美元，占账户价值的26.5%[32] - 2022年12月31日，GMAB的净风险金额为18万美元，占账户价值的25.4%[32] - 2022年12月31日，GMIB的未来保单责任为5155万美元[33] - 2022年12月31日，GMWB的未来保单责任为389万美元[33] - 2022年12月31日，GMAB的未来保单责任为10万美元[33] 再保险和资本管理 - 与非关联第三方再保险的净再保险应收款项为63.2亿美元[46] - 长期护理保险业务的储备金为65亿美元[47] - BRCD是我们的再保险子公司，旨在管理资本和风险敞口[49] 分销渠道和监管 - 公司通过400多个分销合作伙伴多渠道分销年金和人寿保险产品[49] - 独立金融规划师是我们年金销售的主要分销渠道，占比49%[52] - 金融中介是我们人寿保险销售的主要分销渠道，占比85%[52] - 我们的寿险子公司和BRCD主要受州级监管，一些产品和服务也受联邦监管[54] - 每个保险子公司在其经营的每个美国司法管辖区都获得许可并受监管[55] 风险管理和监管要求 - NAIC已经制定了基于RBC公式的最低资本要求，保险公司必须保持其资本和剩余资本在或以上最低水平[56] - 2012年，NAIC通过了风险管理和自有风险和偿付能力评估模型法案（ORSA），要求保险公司维护风险管理框架并在正常和应激环境中进行内部自有风险和偿付能力评估[58] - 保险监管审查和其他活动中，州保险部门定期对保险公司的账目、记录、账户和业务实践进行详细审查[63] - 我们的保险子公司和BRCD每年都需要进行对所有法定准备金的充分性分析[64] - 我们的保险子公司和BRCD已经提供了没有保留意见的意见[65] 雇佣和员工福利 - 公司提供员工带薪休假、节假日、志愿者和学习休假等福利，包括为新父母提供带薪产假和家庭假期[94] - 公司实施年度薪酬公平审查，确保薪酬仅基于绩效、经验、职级和其他中立因素确定[94] - 公司的人才管理和发展策略建立在持续的辅导和反馈、学习、培训、协作和包容性之上[94] - 公司提供员工许多学习和发展机会和资源，包括一系列课程，帮助员工实现个人和职业目标[94] - 公司为高绩效人才提供导师计划，旨在通过与公司领导互动提供专业发展机会[94] - 公司于2020年3月将所有员工转为远程工作环境，自2022年起采用灵活的混合工作模式[94]

Brighthouse Financial, Inc. (NASDAQ:BHF) Q4 2022 Results Conference Call February 10, 2023 8:00 AM ET Company Participants Dana Amante - Head of IR Eric Steigerwalt - President, CEO and Director Ed Spehar - Executive VP and CFO Myles Lambert - Executive VP and Chief Distribution and Marketing Officer John Rosenthal - Executive VP and CIO Conference Call Participants Elyse Greenspan - Wells Fargo Tracy Benguigui - Barclays Ryan Kruger - KBW Suneet Kamath - Jefferies John Barnidge - Piper Sandler Tom Gallaghe ...

Brighthouse Financial, Inc. (NASDAQ:BHF) Q3 2022 Earnings Conference Call November 8, 2022 8:00 AM ET Company Participants Dana Amante - Head of Investor Relations Eric Steigerwalt - President & Chief Executive Officer Ed Spehar - Chief Financial Officer Myles Lambert - Executive Vice President & Chief Distribution & Marketing Officer Conference Call Participants Erik Bass - Autonomous Ryan Krueger - KBW Elyse Greenspan - Wells Fargo John Barnidge - Piper Sandler Suneet Kamath - Jefferies Tracy Benguigui - ...

Brighthouse Financial, Inc. Third Quarter 2022 Earnings Call Presentation Note regarding forward-looking statements This presentation and other oral or written statements that we make from time to time may contain information that includes or is based upon forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve substantial risks and uncertainties. We have tried, wherever possible, to identify such statements using words s ...

Brighthouse Financial, Inc. (NASDAQ:BHF) Q2 2022 Earnings Conference Call August 5, 2022 8:00 AM ET Company Participants Dana Amante - Head of Investor Relations Eric Steigerwalt - President and Chief Executive Officer Ed Spehar - Chief Financial Officer John Rosenthal - CIO Myles Lambert - Head of Marketing Conference Call Participants Elyse Greenspan - Wells Fargo Tracy Benguigui - Barclays Erik Bass - Autonomous John Barnidge - Piper Sandler Ryan Krueger - KBW Alex Scott - Goldman Sachs Tom Gallagher - E ...

Brighthouse Financial, Inc. First Quarter 2022 Earnings Call Presentation Note regarding forward-looking statements This presentation and other oral or written statements that we make from time to time may contain information that includes or is based upon forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve substantial risks and uncertainties. We have tried, wherever possible, to identify such statements using words s ...

Brighthouse Financial, Inc. (NASDAQ:BHF) Q1 2022 Results Earnings Conference Call May 10, 2022 8:00 AM ET Company Participants Dana Amante - Head, Investor Relations Eric Steigerwalt - President and Chief Executive Officer Ed Spehar - Chief Financial Officer Myles Lambert - Head, Marketing Conference Call Participants Ryan Krueger - KBW Elyse Greenspan - Wells Fargo Erik Bass - Autonomous Research Tracy Benguigui - Barclays Alex Scott - Goldman Sachs Tom Gallagher - Evercore Suneet Kamath - Jefferies Operat ...

Brighthouse Financial, Inc. Fourth Quarter and Full Year 2021 Earnings Call Presentation Note regarding forward-looking statements This presentation and other oral or written statements that we make from time to time may contain information that includes or is based upon forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve substantial risks and uncertainties. We have tried, wherever possible, to identify such statement ...

Brighthouse Financial, Inc. (NASDAQ:BHF) Q4 2021 Earnings Conference Call February 11, 2022 8:00 AM ET Company Participants Dana Amante - Head, Investor Relations Eric Steigerwalt - President and Chief Executive Officer Ed Spehar - Chief Financial Officer Myles Lambert - Head, Marketing Conference Call Participants Tom Gallagher - Evercore Tracy Benguigui - Barclays Ryan Krueger - KBW Alex Scott - Goldman Sachs Elyse Greenspan - Wells Fargo John Barnidge - Piper Sandler Humphrey Lee - Dowling & Partners Eri ...

Brighthouse Financial, Inc. (NASDAQ:BHF) Q3 2021 Earnings Conference Call November 5, 2021 8:00 AM ET Company Participants Dana Amante - Head of Investor Relations Eric Steigerwalt - President and Chief Executive Officer Edward Spehar - Executive Vice President and Chief Financial Officer Myles Lambert - Executive Vice President and Chief Distribution and Marketing Officer Conor Murphy - Executive Vice President and Chief Operating Officer Conference Call Participants Elyse Greenspan - Wells Fargo Erik Bas ...