Jobs at Brighthouse Financial

External Wholesaler - Annuity (Chicago Planners - Remote in Territory) (Chicago, IL, US, 60601)

Alternate Job Location : Indiana : Fort Wayne

Where you’ll work:

This is a fully remote position in the assigned territory.

How you’ll contribute:

As an External Wholesaler, you’ll be responsible for providing investment professionals with the ability to help their clients achieve financial freedom with certainty and confidence, while promoting the Brighthouse Financial brand and increasing market share.

In this role, you’ll get to:

Responsible for building new and maintaining existing relationships with independent financial advisors in Chicago, IL and North Indiana to increase revenue from annuity sales. Ensuring trust from the financial advisor is crucial for the successful execution of the job.
Conduct joint meetings with financial advisors and clients to educate and sell annuities. Additionally, actively consult and advise financial advisors to provide them with value-added strategies to increase the business with their clients.
Collaborate with financial advisors to include annuities in financial plan for clients. Ability to educate financial advisors on financial products and the process of selling annuities.
Conduct meetings, seminars and training workshops to current and prospective customers to increase the knowledge of Brighthouse Financial’s products, describe our value proposition and present our products in the context of sales ideas.
Strategically plan and manage the deployment of resources to maximize territorial sales while being responsible for budgeting and expenses.
Work in conjunction with the assigned Internal Wholesaler to identify and foster leads generated by from referrals, ad campaigns and territory canvassing.
Responsible for keeping financial advisors informed of rapidly changing products and service agreements.
Must actively develop new relationships with financial advisors to significantly capture sales and grow assets, especially in key accounts, as well as servicing existing producing agents.
Provide competitive intelligence to sales and product management on a regular basis, as well as reporting and managing contacts (face-to-face).

We’re looking for people who have:

5+ years sales experience wholesaling in the industry (internal, external or combination).
Prior Point of Sale experience.
Proven ability to build strong relationships.
Proven ability to grow a territory as measured by sales and persistency of business.
Must hold a valid FINRA Series 6 or 7 and Series 63 license.
Must hold and maintain an active Life, Health and Variable Insurance License in their resident state.
In order to post for this position, you need the proper work authorization to work in the country. where the position is located and not require relocation assistance.
Ability to work independently and to communicate clearly and concisely.
Thorough knowledge of and proven ability to demonstrate sales and marketing principles and practices at the point of sale.
Excellent presentation skills, both in creation and delivery, to current and prospective clients.
Expected to maintain a thorough knowledge of existing, new and enhanced products.
Bachelor’s degree in related field or equivalent experience.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary is $61,200.00 plus competitive monthly variable sales incentive target based on sales results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

Travel:

Up to 75%

Number of Openings:

Why join us?

Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.

We empower employees to collaborate, bring their passion to work, and make an impact. Our inclusive work environment fosters a culture that celebrates diverse backgrounds and experiences. You can find out more about our company culture by visiting brighthousefinancial.com/about-us/careers/.

We’re one of the largest providers of annuities and life insurance in the U.S.,* and our commitment to being a great place to work has earned us recognition from Forbes as one of America’s Best Midsize Employers, from Newsweek as one of the Most Trustworthy Companies in America, and as one of the Healthiest Employers of Greater Charlotte.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Investment Accountant (Charlotte, NC (Hybrid) or Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:
This position is responsible for performing accounting reconciliations and preparing financial disclosures for the company’s fixed maturity and equity securities investment portfolio. The key responsibilities include participating in the monthly accounting close process and preparing schedules and related disclosures included in the Company’s Form 10Q/Ks and Statutory quarterly and annual filings.

In this role, you’ll get to:

Prepare balance sheet and income statement reconciliations for fixed maturity and equity securities between the general ledger and the data warehouse
Review and post journal entries provided by the accounting vendor
Responsible for working with the accounting vendor to ensure correct accounting is generated and resolve any discrepancies
Prepare investment disclosures in the 10-K, 10-Q, QFS, and stand-alone audited financial statements on a GAAP & Statutory basis
Prepare management reporting to support CIO and Earnings Call deliverables
Prepare/review the quarterly pricing analysis to ensure that the valuation of is consistent with the company’s stated policy and current accounting standards and guidelines
Analyze and validate data from internal and external sources.
Review the investment portfolio on a quarterly basis and evaluate for potential impairments on a STAT and GAAP basis and work closely with the members of the Impairment Committee and Asset Managers to determine impairment amounts
Proactive in developing new analysis to detect and prevent misstatements in financial results
Respond to questions from external and internal auditors, front office and financial reporting teams assist in implement new accounting pronouncements or disclosure requirements
Other tasks as needed.

We’re looking for people who have:

Bachelor’s degree in Accounting, Finance or other related fields
3+ years of Investment Accounting experience in the insurance or finance industries preferred
Knowledge of GAAP & Statutory accounting for Investments preferred
Advanced Microsoft Excel skills (macros, pivot tables and advanced formulas)
Self-motivated and eager to learn with limited guidance
Intermediate data management skills
Excellent oral and written communication skills
Strong analytical thinker with the ability to solve complicated transactions
Continuously look for opportunities to improve and innovate processes
Experience with financial reporting systems (SAP preferred)
Ability to effectively work with professionals across the organization, with diverse backgrounds and experience

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $80,000 - $90,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

Why join us?
Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Technical IT Solution Coordinator, FIS - Actuarial (Charlotte, NC (Hybrid) or (Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:
As an IT Solution Coordinator – FIS - Actuarial, you’ll be responsible for supporting the management of a portfolio of Actuarial technology Prophet applications on Prophet Managed Cloud Service (PMCS). This role collaborates with the Actuarial Modeling, Liability Analytics, business valuation, business analyst and data team in order to serve as a conduit between business partners, various technology stakeholders.

In this role, you’ll get to:

Manage Prophet Development and Production support activities to ensure the on-time delivery of Actuarial IT initiatives
Create/Refresh/Execute Production Support processes and key reporting to support key processes and leadership updates
Lead Actuarial IT technical projects and ensure projects are delivered on time and on budget.
Leverage IT tools such as Jira to manage work effort across IT teams.
Produce superior communication and documentation to support enterprise technology solutions.
Ensure management against all processes and stage gates.
Maintain productive working relationships with all business, technology partners and third-party vendors in assigned enterprise space.
Communicates with assigned resources to ensure on-time completion of planned tasks.
Resolves project issues through direct action or escalation when appropriate.
Implements risk management standards into the program to ensure all risks are identified and properly mitigated.
Demonstrates a high-level knowledge of the architecture, data, and system dependencies that allows effective risk identification, mitigation and project management throughout the working team.

We’re looking for people who have:

IT project management and business (systems) analysis experience (6+ years).
Prior experience managing complex Actuarial systems and/or Prophet experience a plus.
Life / Annuity insurance experience or financial services experience a plus.
Experience assessing and improving business processes, systems, and associated technologies
Excellent oral communication, written communication, executive presentation, conflict resolution, and problem-solving skills.
Ability to successfully interface and partner with all roles of technical solution stand up projects and programs.
Self-driven ability to understand, uncover, resolve and recommend options to solve complex business issues with technology solutions.
Software development methodology experience (agile and/or waterfall).
Experience with project management tools such as Jira.
In-depth understanding of application development and/or technical acumen.
Developed understanding of enterprise technical landscape (insurance background a plus).
Passion for innovation and dedication to enterprise technology development objectives.
Flexible team player with proven track record driving and delivering successful technology solutions.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $100,000 to $125,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

The company and your department may occasionally gather in person throughout the year to foster a culture of belonging and promote team building. We’d love for you to join us during those company-wide and department-wide events to help you strengthen connections across the company.

Why join us?
Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.

We empower employees to collaborate, bring their passion to work, and make an impact. Our inclusive work environment fosters a culture that celebrates diverse backgrounds and experiences. You can find out more about our company culture by visiting brighthousefinancial.com/about-us/careers/.

We’re one of the largest providers of annuities and life insurance in the U.S.,* and our commitment to being a great place to work has earned us recognition from Forbes as one of America’s Best Midsize Employers, from Newsweek as one of the Most Trustworthy Companies in America, and as one of the Healthiest Employers of Greater Charlotte.

*Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Accountant, SEC Reporting (Charlotte, NC (Hybrid) or Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:

As an Accountant of Regulatory Reporting, you’ll be responsible for coordinating with internal and external stakeholders for information reported (i) within SEC filings for SEC registrants and (ii) within GAAP financial statements and other external reports for non-public entities, as well as the analysis of such information for completeness and accuracy. The position requires an understanding of GAAP and SEC reporting requirements and corresponding financial statement presentation, an understanding of the many legal entities comprising the enterprise and an understanding of period-ending close processes and procedures.

In this role, you’ll get to:

Coordinate and prepare documentary support for all reported information filed with the SEC on our Form 10-K, 10-Q and 8-K, which includes business data, core financial statements, footnote disclosures, schedules, XBRL as applicable, as well as ad hoc requests for financial data used by various internal and external stakeholders
Ensure timely responses to internal and external audit requests associated with quarterly reviews and annual audits of the company’s SEC registrants
Assist with other quarterly and year-end financial reporting tasks, such as participating in team discussions, providing status assessments, submission and production tracking, etc.
Support project management whereby reporting objectives are continuously evaluated in relation to ongoing projects, process improvements, enhanced reporting and technical accounting research, including changes in accounting guidance
Maintain continuous coaching and performance development and feedback, consistent with Brighthouse culture

We’re looking for people who have:

A Bachelor’s degree in Accounting, Finance, or similar field of expertise (preferred)
2+ years of related experience in Accounting and Financial Services
Strong working knowledge of and experience in financial reporting (e.g., standard reporting, ad hoc reporting, slice-and-dice and drill-down reporting) to perform detailed analysis of financial statements and complex transactions
Proficient using Microsoft Excel, Word, PowerPoint, Teams, Workiva Wdesk and experience with SAP and Analysis for Microsoft Office a plus
Completion of, or working towards CPA highly desired
Preferred knowledge and experience working with life insurers’ financial statement preparation a plus

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $80,000 - $90,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Senior Actuarial Associate II (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:
As the Sr Actuarial Associate II of the Model Risk Management (MRM) team, you’ll be responsible for leading model validations across the organization and research key emerging actuarial issues within the life insurance space. This position sits within Corporate Risk Management (CRM) and collaborates closely with key stakeholders across business functions including Pricing, Valuation, Asset Liability Management (ALM), Audit, and other critical functions.

In this role, you’ll get to:

Independently review and validate models, including reviewing model documentation, evaluating model risks, and proposing review strategies and recommendations.
Strengthen risk management by identifying key issues and proposing enhancements to model design and governance.
Ensure compliance with regulatory requirements for applicable models, while promoting sound modeling practices.
Partner with teams across Pricing, ALM, and Valuation to provide effective challenge and validation support.
Support the Model Governance function by performing risk-based model reviews.
Perform and support other CRM initiatives as needed.

We’re looking for people who have:

Bachelor's degree in actuarial science, computer science, finance, mathematics, or a related field.
Strong financial modeling background with advanced experience in Excel and VBA.
Experience using actuarial modeling software such as Prophet or similar.
Actuarial credentials highly desired.
Familiarity with VM-20 and pre-PBR life valuation guidance is a plus.
Strong attention to detail with excellent communication, organizational, and interpersonal skills.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $110,000 to $130,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Senior Compliance Analyst - Regulatory Change (Charlotte, NC (Hybrid) or Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:
As a Senior Compliance Analyst within the Compliance Programs organization, you will play a large part in ensuring that Brighthouse complies with the various requirements governing our insurance and annuity businesses. In this individual contributor role, you will primarily focus on identifying and reviewing new and amended laws and regulations that may apply to the Company. You will also have a critical role in supporting various other enterprise Compliance initiatives.

In addition to regulatory change management, the Compliance Programs organization is responsible for policy and procedure governance, mandatory training development and oversight, regulatory affairs, privacy, and anti-money laundering.

In this role, you’ll get to:

Review new and pending legal and regulatory requirements introduced by applicable regulators, including state insurance departments, state securities divisions, FINRA, and the SEC to determine applicability to Brighthouse.
Work with relevant departments to understand the implementation efforts for compliance with new and pending laws and documenting those accordingly using Brighthouse Financial's risk management tool, OpenPages.
Support the gathering and reporting of operational metrics and key risk indicators.
Coordinate Board materials, internal and external due diligence responses, and Form 10-Q and Form 10-K updates.
Assist the Brighthouse’s Policy and Procedure Working Group with the development and maintenance of company, entity and department-level policies and procedures.
Collaborate with Brighthouse’s Learning & Development team in building and updating regulatory trainings distributed to Brighthouse associates.
Partner with Communications to deliver Compliance best practices and to raise awareness via Brighthouse’s weekly newsletter.
Perform other duties as assigned or required.

We’re looking for people who have:

A Bachelor’s degree (preferred).
Paralegal or experience interpreting laws and regulations.
3+ years of relevant experience in the financial services industry.
Knowledge of the regulatory requirements related to the insurance and securities industries.
Intellectual curiosity, flexibility, and adaptability.
Strong analytical skills and ability to be a business partner and creative thinker capable of understanding and finding appropriate solutions to business needs.
Ability to work independently and as part of a larger team.
Excellent verbal and written communication skills.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $75,000.00 - $85,000.00 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

Travel:
No

Sr. Financial Analyst (Charlotte, NC (Hybrid) or Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:

As a Sr. Financial Analyst you will drive the GAAP Footnotes and SOX/Audit processes for the actuarial valuation department. This entails gathering data from the valuation teams, meeting deadlines for quarterly reporting, finding efficiencies in quarterly reporting and managing the department’s SOX and Audit requests. This role will work with various stakeholders such as Valuation actuaries, Controllers Department, Technical Accounting, SEC Department, Internal Audit and FCD Departments. This role will perform monthly and quarterly tasks, work effectively and diligently to resolve issues, and work on ad-hoc projects as assigned. The successful candidate will blend a solid foundational financial skillset with the desire and ability to understand the businesses we support.

In this role, you’ll get to:

Own the GAAP footnote process for Actuarial team, which entails gathering data from various teams, analyzing the data, submitting within prescribed timelines
Own the SOX documentation process for Actuarial Valuation team
Manage quarterly Audit Requests for Actuarial Valuation team
Complete Quarterly GAAP Reconciliations
Research and complete analysis on issues found in Valuation and ledger reconciliations
Research GAAP requirements for footnotes and disclosures
Support STAT processes as needed
Provide and implement recommendations for process efficiencies in both automated and manual areas
Develop and maintain strong relationships with our Business Partners
Lead process improvement opportunities
Ad-hoc requests and business partnering with key stakeholders (accounting, finance, audit, etc.)

We’re looking for people who have:

BA/BS degree, preferably in Finance or Accounting
2+ years of financial analysis or accounting experience required
Advanced Microsoft Excel skills (macros, pivot tables and advanced formulas)
Experience with financial reporting systems (SAP preferred)
Effective business analytical abilities, attention to detail and organizational skills
Strong analytical, problem solving, and communication skills
Creates Partnership within the actuarial department to successfully drive business objectives
Ability to handle multiple complex tasks under aggressive timelines
Self-motivated with the ability to take the initiative to make changes

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $80,000 - $90,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.