Tax-loss harvesting alternatives for BHF

Among the 11 Life & Health Insurance peers screened, PFG (Principal Financial Group) has tracked BHF most closely over the past year, with a return correlation of 0.20. The strongest fund stand-in is KIE (SPDR S&P Insurance ETF) at 0.17 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
PFG	Principal Financial Group	Life & Health Insurance	0.20	0.46	0.60	0.74
AFL	Aflac Inc.	Life & Health Insurance	0.17	0.35	0.48	0.63
JXN	Jackson Financial, Inc.	Life & Health Insurance	0.15	0.43	0.55	—
FG	F&G Annuities & Life, Inc.	Life & Health Insurance	0.15	0.35	0.30	—
PRU	Prudential Financial	Life & Health Insurance	0.14	0.47	0.62	0.76
UNM	Unum	Life & Health Insurance	0.14	0.37	0.48	0.69
CNO	CNO Financial Group	Life & Health Insurance	0.14	0.48	0.60	0.72
MET	MetLife Inc.	Life & Health Insurance	0.06	0.42	0.57	0.73
PRI	Primerica	Life & Health Insurance	0.04	0.37	0.50	0.64
GL	Globe Life	Life & Health Insurance	0.04	0.21	0.33	0.55
TRUP	Trupanion	Life & Health Insurance	-0.01	0.23	0.28	0.26

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
KIE	SPDR S&P Insurance ETF	Insurance	INDUSTRY	0.17	0.45	0.60	0.74
IAK	iShares US Insurance ETF	Insurance	INDUSTRY	0.14	0.39	0.55	0.71
KRE	SPDR S&P Regional Banking ETF	Regional Banks	SUB-IND	0.11	0.43	0.57	0.70
KBE	SPDR S&P Bank ETF	Banks	INDUSTRY	0.11	0.45	0.60	0.72
VFH	Vanguard Financials ETF	Financials Sector	SECTOR	0.10	0.47	0.62	0.75
IYF	iShares US Financials ETF	Financials Sector	SECTOR	0.10	0.48	0.62	0.74
XLF	Financial Select Sector SPDR	Financials Sector	SECTOR	0.09	0.46	0.61	0.74
KBWB	Invesco KBW Bank ETF	Large Banks	INDUSTRY	0.08	0.45	0.60	0.73
IPAY	ETFMG Prime Mobile Payments	Payments	SUB-IND	0.08	0.38	0.50	0.59
IAI	iShares Broker-Dealers & Exchanges	Capital Markets	INDUSTRY	0.03	0.40	0.55	0.67
FINX	Global X FinTech ETF	FinTech	SUB-IND	0.02	0.34	0.45	0.50
ARKF	ARK Fintech Innovation ETF	FinTech (Active)	SUB-IND	0.01	0.33	0.42	0.42

NEXT STEPS

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Replacement research for BHF's peers

PFG AFL JXN FG PRU UNM CNO MET PRI GL TRUP

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Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.