ULX and ULXP policyholders receive cash automatically with no claim form. Brighthouse will identify class members from its own records and send shares from a $9.25 million settlement. Cost-of-insurance charges are monthly deductions for the death-benefit coverage inside a universal-life policy.
The lawsuit in Martin v. Brighthouse Life Insurance Co., Case No. 1:21-cv-02923, alleges Brighthouse failed to lower those charges despite improved mortality expectations and reduced expenses.
Official resources:
- Read the official notice from Insurasales — Use this primary source to verify the official announcement.
- Read the official notice from Openclassactions — Use this primary source to verify the official announcement.
Table of Contents
- Does your ULX or ULXP policy qualify?
- Why is there no claim form?
- How is your payment amount calculated?
- When will money arrive and what are the cutoffs?
Does your ULX or ULXP policy qualify?
ULX and ULXP are two covered product codes among 22 listed policy types. Coverage includes policies issued or administered by Brighthouse in any U.S. state, Puerto Rico or U.S.
territory, according to OpenClassActions in the OpenClassActions settlement summary. The policy must contain specific cost-of-insurance language and timing. It must state that Brighthouse will base rates only on future outlook for mortality and expenses, and it must have been in force as of April 6, 2021.
- Check the product code on statements or the policy schedule for ULX or ULXP
- Look for the clause: "We will base these [cost of insurance] rates only on our future outlook for mortality and expenses"
- Confirm the policy was in force on April 6, 2021
Why is there no claim form?
Class members do not file a claim because Brighthouse already holds the policy records. The notice states that people who do nothing will receive a cash payment automatically.
That design removes filing mistakes and missed deadlines for payment. It also means current addresses matter, since payment goes to the person identified in company records.
How is your payment amount calculated?
Payments come from the net fund after court-approved fees, costs and a service award. The $9.25 million headline amount is therefore not divided directly, according to InsuraSales in the InsuraSales report on the COI settlement. Shares are allocated by policy face value.
A policy with a larger face value receives a larger share than a policy with a smaller face value. This is proportional relief, not a refund of specific charges. Two people with the same face value receive comparable shares, even if their deduction histories differ.
When will money arrive and what are the cutoffs?
Class members must opt out by Dec. 11, 2026, objections are due Dec. 23, 2026, and the final-approval hearing is Jan.
26, 2027, according to eosguide in the eosguide case timeline. No payments go out until the court grants final approval and any appeals resolve. Brighthouse denies wrongdoing, and the court has not decided liability.