Brighthouse Financial, Inc. operates as a holding company, which engages in the provision of life insurance and annuities through independent distribution channels and marketing arrangements with diverse network of distribution partners. The company is headquartered in Charlotte, North Carolina and currently employs 1,260 full-time employees. The firm offers a range of products and services, which include variable, fixed, index-linked and income annuities, as well as variable, universal, term and whole life products. These products and services are marketed through various third party retail distribution channels in the United States. Fixed income annuities provide a guaranteed monthly income for a specified period of years and/or for the life of the annuitant. The firm operating segments include Annuities, Life and Run-off.