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Form 497 Brighthouse Variable

April 24, 2024 11:12 AM EDT
Brighthouse Life Insurance Company of NY
Brighthouse Variable Annuity Account B
Class O (offered on and after September 21, 2015)
Supplement dated April 29, 2024
to the
Prospectus dated May 1, 2017 (as supplemented)
This supplement revises information in the prospectus dated May 1, 2017 for the Class O (offered on and after September 21, 2015) variable annuity contracts issued by Brighthouse Life Insurance Company of NY (the “Company”, “we,” “us,” or “our”). This supplement should be read in its entirety and kept together with your prospectus for future reference. If you would like another copy of the prospectus, write to us at P.O. Box 4301, Clinton, IA 52733-4301 or call us at (888) 243-1932 to request a free copy. The financial statements for each of the subaccounts of the Separate Account are attached. Upon request, financial statements for Brighthouse Life Insurance Company of NY will be sent to you without charge.
1.
Investment Options
Replace the list of Investment Portfolios under “INVESTMENT OPTIONS” in the prospectus with the list of Investment Portfolios attached to this prospectus supplement.
2.
Other Information
Distributor
The Financial Industry Regulatory Authority (“FINRA”) provides background information about broker-dealers and their registered representatives through FINRA BrokerCheck. You may contact the FINRA BrokerCheck Hotline at 1-800-289-9999, or log on to www.finra.org. An investor brochure that includes information describing FINRA BrokerCheck is available through the Hotline or on-line.
Requests and Elections
We are not a fiduciary and do not give advice or make recommendations regarding insurance or investment products. Ask your financial representative for guidance regarding any requests or elections and for information about your particular investment needs. Please bear in mind that your financial representative, or any financial firm or financial professional you consult to provide advice, is acting on your behalf. We are not a party to any agreement between you and your financial professional. We do not recommend and are not responsible for any securities transactions or investment strategies involving securities (including account recommendations).
SUPP-NYO20424

Replace the contact information in the “Requests and Elections” subsection with the following new information.
Death Claims
P.O. Box 4330
Clinton, IA 52733-4330
Fax: (877) 245-8163
Annuity Payments/Income
 
• Requests to receive regular income
payments (referred to as Annuity
Payments)
P.O. Box 4365
Clinton, IA 52733-4365
Telephone: (800) 882-1292
Fax: (877) 246-8424
• Death Claims for Contracts receiving
Annuity Payments
P.O. Box 4364
Clinton, IA 52733-4364
Telephone: (800) 882-1292
Fax: (877) 245-8163
• General requests and elections for
Contracts receiving Annuity Payments
P.O. Box 4363
Clinton, IA 52733-4363
Telephone: (800) 882-1292
Fax: (877) 246-8424
All other requests and elections, including
subsequent Purchase Payments, and general
inquiries
P.O. Box 4301
Clinton, IA 52733-4301
Telephone: (888) 243-1932
Fax: (877) 246-8424
Replace the “Cybersecurity and Certain Business Continuity Risks” and “COVID-19 and Market Conditions” paragraphs in the “OTHER INFORMATION” section with the following new paragraphs:
Cybersecurity and Certain Business Continuity Risks. Our variable annuity contract business is largely conducted through complex information technology and communications systems operated by us and our service providers and business partners (e.g., the Investment Portfolios and the firms involved in the distribution and sale of our variable annuity contracts). Our operations rely on the secure processing, storage and transmission of confidential and other information in our systems and the systems of third party service providers. For example, many routine operations, such as processing Owners’ requests and elections and day-to-day recordkeeping, are all executed through computer networks and systems. We have established administrative and technical controls and business continuity and resilience plans to protect our operations against attempts by unauthorized third parties to improperly access, modify, disrupt the operation of, or prevent access to critical networks or systems or data within them (a “cyber-attack”). Despite these protocols, the techniques used to attack systems ad networks change frequently, are becoming more sophisticated, and can originate from a wide variety of sources including terrorists, nation states, financially motivated actors, internal actors, or third parties, such as external service providers, and the techniques used change frequently or are often not recognized until after they have been launched. The rapid evolution and increased adoption of artificial intelligence technologies may intensify our cybersecurity risks, including the deployment of artificial intelligence technologies by threat actors. There may be an increased risk of cyber-attacks during periods of geo-political or military conflict.
2

A cyber-attack could have a material, negative impact on the Company and the Separate Account, as well as individual Owners and their contracts. There are inherent limitations in our plans and systems, including the possibility that certain risks have not been identified or that unknown threats may emerge in the future. Unanticipated problems with, or failures of, our disaster recovery systems and business continuity plans could have a material impact on our ability to conduct business and on our financial condition and operations, and such events could result in regulatory fines or sanctions, litigation, penalties or financial losses, reputational harm, loss of customers, and/or additional compliance costs for us. Our operations also could be negatively impacted by a cyber-attack affecting a third party, such as a service provider, business partner, another participant in the financial markets, or a governmental or regulatory authority. Potential attacks can occur through a variety of sources, including, but not limited to, cyber-attacks, phishing attacks, account takeover attempts, the introduction of computer viruses or malicious code, ransomware or other extortion tactics, denial of service attacks, credential stuffing, and other computer-related penetrations. Hardware, software or applications developed by us or received from third parties may contain exploitable vulnerabilities, bugs, or defects in design, maintenance or manufacture or other issues that could compromise information and cybersecurity. Malicious actors may attempt to fraudulently induce employees, customers, or other users of our systems to disclose credentials or other similar sensitive information in order to gain access to our systems or data, or that of our customers, through social engineering, phishing, mobile phone malware, and other methods. Cybersecurity threats can originate from a wide variety of sources including, but not limited to, natural catastrophe, military or terrorist actions, public health crises (such as the COVID-19 pandemic), and unanticipated problems with our or our service providers’ disaster recovery systems. Such disasters and events may adversely affect our ability to conduct business or administer the contract, particularly if our employees or the employees of our service providers are unable or unwilling to perform their responsibilities as a result of any such event.
Cyber-attacks, disruptions or failures to our business operations can interfere with our processing of contract transactions, including the processing of transfer orders from our website or with the Investment Portfolios; impact our ability to calculate Accumulation Unit values; cause the release and/or possible loss, misappropriation or corruption of confidential Owner or business information; or impede order processing or cause other operational issues. Cyber-attacks, disruptions or failures may also impact the issuers of securities in which the Investment Portfolios invest, and it is possible the funds underlying your contract could lose value. There can be no assurance that we or our service providers or the Investment Portfolios will avoid losses affecting your contract due to cyber-attacks, disruptions or failures in the future. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, there is no guarantee that we will be able to successfully manage and mitigate this risk at all times. Furthermore, we cannot control the cybersecurity plans and systems implemented by third parties, including service providers or issuers of securities in which the Investment Portfolios invest.
3.
Investment Portfolio Fees and Expenses Table
Replace the Investment Portfolio Fees and Expenses Table in the prospectus with the Investment Portfolio Fees and Expenses Table attached to this prospectus supplement.
3

4.
Appendix B
Replace Appendix B with the Appendix B attached to this prospectus supplement.
5.
Transfers — Restrictions on Frequent Transfer
We monitor transfer activity in the following “Monitored Portfolios” for purposes of imposing our restrictions on frequent transfers. In addition, we monitor transfer activity in all American Funds Insurance Series® portfolios available under your contract.
American Funds Global Growth Fund
American Funds Global Small Capitalization Fund
American Funds Growth Fund
Baillie Gifford International Stock Portfolio
BlackRock Global Allocation V.I. Fund
BlackRock High Yield Portfolio
Brighthouse Small Cap Value Portfolio
Brighthouse/abrdn Emerging Markets Equity Portfolio
Brighthouse/Artisan International Portfolio
Brighthouse/Dimensional International Small Company Portfolio
Brighthouse/Eaton Vance Floating Rate Portfolio
CBRE Global Real Estate Portfolio
Global Infrastructure Portfolio
Harris Oakmark International Portfolio
Invesco Global Equity Portfolio
Invesco Small Cap Growth Portfolio
JPMorgan Small Cap Value Portfolio
Loomis Sayles Global Allocation Portfolio
Loomis Sayles Small Cap Growth Portfolio
MetLife MSCI EAFE® Index Portfolio
MetLife Russell 2000® Index Portfolio
MFS® Research International Portfolio
Neuberger Berman Genesis Portfolio
T. Rowe Price Small Cap Growth Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE
4

Minimum and Maximum Total Annual Investment Portfolio Operating Expenses
 
Minimum
Maximum
Total Annual Investment Portfolio Operating Expenses
 
 
(expenses that are deducted from Investment Portfolio assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses)
0.58%
1.65%
Investment Portfolio Fees and Expenses as of December 31, 2023
(as a percentage of average daily net assets)
The following table is a summary. For more complete information on Investment Portfolio fees and expenses, please refer to the prospectus for each Investment Portfolio.
Investment Portfolio
Management
Fee
Distribution
and/or
Service
(12b-1) Fees
Other
Expenses
Acquired
Fund Fees
and
Expenses
Total
Annual
Operating
Expenses
Fee Waiver
and/or
Expense
Reimbursement
Net Total
Annual
Operating
Expenses
American Funds Insurance Series®
 
 
 
 
 
 
 
American Funds Global Growth Fund
0.48%
0.25%
0.04%
 — 
0.77%
0.11%
0.66%
American Funds Global Small
Capitalization Fund
0.65%
0.25%
0.05%
 — 
0.95%
0.04%
0.91%
American Funds Growth Fund
0.31%
0.25%
0.03%
 — 
0.59%
 — 
0.59%
BlackRock Variable Series Funds,
Inc.
 
 
 
 
 
 
 
BlackRock Global Allocation V.I. Fund
0.65%
0.25%
0.22%
0.02%
1.14%
0.12%
1.02%
Brighthouse Funds Trust I
 
 
 
 
 
 
 
AB Global Dynamic Allocation Portfolio
0.62%
0.25%
0.04%
 — 
0.91%
0.01%
0.90%
Allspring Mid Cap Value Portfolio
0.73%
0.25%
0.07%
 — 
1.05%
0.07%
0.98%
American Funds® Balanced Allocation
Portfolio
0.06%
0.55%
0.01%
0.34%
0.96%
 — 
0.96%
American Funds® Growth Allocation
Portfolio
0.06%
0.55%
0.01%
0.37%
0.99%
 — 
0.99%
American Funds® Moderate Allocation
Portfolio
0.07%
0.55%
0.01%
0.31%
0.94%
 — 
0.94%
BlackRock Global Tactical Strategies
Portfolio
0.66%
0.25%
0.02%
0.07%
1.00%
0.07%
0.93%
BlackRock High Yield Portfolio
0.60%
0.25%
0.07%
 — 
0.92%
0.02%
0.90%
Brighthouse Asset Allocation 100
Portfolio
0.07%
0.25%
0.02%
0.65%
0.99%
 — 
0.99%
Brighthouse Balanced Plus Portfolio
0.24%
0.25%
0.06%
0.42%
0.97%
 — 
0.97%
Brighthouse Small Cap Value Portfolio
0.75%
0.25%
0.04%
0.09%
1.13%
0.01%
1.12%
Brighthouse/abrdn Emerging Markets
Equity Portfolio
0.95%
0.25%
0.10%
0.01%
1.31%
0.10%
1.21%
Brighthouse/Artisan International
Portfolio
0.75%
0.25%
0.06%
 — 
1.06%
0.01%
1.05%
Brighthouse/Eaton Vance Floating Rate
Portfolio
0.60%
0.25%
0.10%
 — 
0.95%
 — 
0.95%
Brighthouse/Franklin Low Duration Total
Return Portfolio
0.50%
0.25%
0.07%
 — 
0.82%
0.09%
0.73%
Brighthouse/Wellington Large Cap
Research Portfolio
0.57%
0.25%
0.02%
 — 
0.84%
0.05%
0.79%
CBRE Global Real Estate Portfolio
0.64%
0.25%
0.05%
 — 
0.94%
0.04%
0.90%
Harris Oakmark International Portfolio
0.77%
0.25%
0.05%
 — 
1.07%
0.09%
0.98%
Invesco Balanced-Risk Allocation
Portfolio
0.64%
0.25%
0.05%
0.01%
0.95%
0.01%
0.94%
Invesco Comstock Portfolio
0.58%
0.25%
0.02%
 — 
0.85%
0.04%
0.81%
5

Investment Portfolio
Management
Fee
Distribution
and/or
Service
(12b-1) Fees
Other
Expenses
Acquired
Fund Fees
and
Expenses
Total
Annual
Operating
Expenses
Fee Waiver
and/or
Expense
Reimbursement
Net Total
Annual
Operating
Expenses
Invesco Global Equity Portfolio
0.67%
0.25%
0.04%
 — 
0.96%
0.13%
0.83%
Invesco Small Cap Growth Portfolio
0.86%
0.25%
0.03%
 — 
1.14%
0.08%
1.06%
JPMorgan Core Bond Portfolio
0.55%
0.25%
0.04%
 — 
0.84%
0.14%
0.70%
JPMorgan Global Active Allocation
Portfolio
0.73%
0.25%
0.06%
0.01%
1.05%
0.07%
0.98%
JPMorgan Small Cap Value Portfolio
0.78%
0.25%
0.09%
 — 
1.12%
0.10%
1.02%
Loomis Sayles Global Allocation Portfolio
0.70%
0.25%
0.11%
 — 
1.06%
0.02%
1.04%
Loomis Sayles Growth Portfolio
0.56%
0.25%
0.02%
 — 
0.83%
0.03%
0.80%
MetLife Multi-Index Targeted Risk
Portfolio
0.17%
0.25%
0.02%
0.22%
0.66%
 — 
0.66%
MFS® Research International Portfolio
0.71%
0.25%
0.05%
 — 
1.01%
0.11%
0.90%
Morgan Stanley Discovery Portfolio
0.65%
0.25%
0.04%
 — 
0.94%
0.02%
0.92%
PanAgora Global Diversified Risk
Portfolio
0.62%
0.25%
0.04%
0.08%
0.99%
0.01%
0.98%
PIMCO Inflation Protected Bond
Portfolio
0.48%
0.25%
0.20%
 — 
0.93%
 — 
0.93%
PIMCO Total Return Portfolio
0.48%
0.25%
0.09%
 — 
0.82%
0.02%
0.80%
Schroders Global Multi-Asset Portfolio
0.64%
0.25%
0.07%
0.01%
0.97%
0.02%
0.95%
SSGA Growth and Income ETF Portfolio
0.31%
0.25%
0.02%
0.19%
0.77%
 — 
0.77%
SSGA Growth ETF Portfolio
0.32%
0.25%
0.04%
0.19%
0.80%
 — 
0.80%
T. Rowe Price Large Cap Value Portfolio
0.57%
0.25%
0.02%
 — 
0.84%
0.06%
0.78%
TCW Core Fixed Income Portfolio
0.55%
0.25%
0.03%
0.01%
0.84%
0.12%
0.72%
Victory Sycamore Mid Cap Value
Portfolio
0.65%
0.25%
0.04%
 — 
0.94%
0.09%
0.85%
Western Asset Management Government
Income Portfolio
0.44%
0.25%
0.07%
 — 
0.76%
0.04%
0.72%
Brighthouse Funds Trust II
 
 
 
 
 
 
 
Baillie Gifford International Stock
Portfolio
0.80%
0.25%
0.06%
 — 
1.11%
0.11%
1.00%
BlackRock Bond Income Portfolio
0.35%
0.25%
0.05%
 — 
0.65%
0.01%
0.64%
BlackRock Capital Appreciation Portfolio
0.70%
 — 
0.03%
 — 
0.73%
0.16%
0.57%
BlackRock Ultra-Short Term Bond
Portfolio
0.35%
0.25%
0.04%
 — 
0.64%
0.03%
0.61%
Brighthouse Asset Allocation 20 Portfolio
0.10%
0.25%
0.05%
0.54%
0.94%
0.05%
0.89%
Brighthouse Asset Allocation 40 Portfolio
0.06%
0.25%
0.01%
0.57%
0.89%
 — 
0.89%
Brighthouse Asset Allocation 60 Portfolio
0.05%
0.25%
0.01%
0.60%
0.91%
 — 
0.91%
Brighthouse Asset Allocation 80 Portfolio
0.05%
0.25%
0.01%
0.63%
0.94%
 — 
0.94%
Brighthouse/Dimensional International
Small Company Portfolio
0.81%
0.25%
0.15%
 — 
1.21%
0.16%
1.05%
Brighthouse/Wellington Core Equity
Opportunities Portfolio
0.72%
0.15%
0.01%
 — 
0.88%
0.12%
0.76%
Jennison Growth Portfolio
0.60%
0.25%
0.03%
 — 
0.88%
0.08%
0.80%
Loomis Sayles Small Cap Growth
Portfolio
0.90%
0.25%
0.07%
 — 
1.22%
0.10%
1.12%
MetLife Aggregate Bond Index Portfolio
0.25%
0.30%
0.03%
 — 
0.58%
 — 
0.58%
MetLife Mid Cap Stock Index Portfolio
0.25%
0.30%
0.05%
0.01%
0.61%
 — 
0.61%
MetLife MSCI EAFE® Index Portfolio
0.30%
0.30%
0.08%
0.01%
0.69%
 — 
0.69%
MetLife Russell 2000® Index Portfolio
0.25%
0.30%
0.06%
0.01%
0.62%
 — 
0.62%
MetLife Stock Index Portfolio
0.25%
0.30%
0.03%
 — 
0.58%
0.02%
0.56%
MFS® Total Return Portfolio
0.57%
0.25%
0.07%
 — 
0.89%
0.02%
0.87%
6

Investment Portfolio
Management
Fee
Distribution
and/or
Service
(12b-1) Fees
Other
Expenses
Acquired
Fund Fees
and
Expenses
Total
Annual
Operating
Expenses
Fee Waiver
and/or
Expense
Reimbursement
Net Total
Annual
Operating
Expenses
MFS® Value Portfolio
0.62%
0.25%
0.02%
 — 
0.89%
0.06%
0.83%
Neuberger Berman Genesis Portfolio
0.83%
0.25%
0.04%
 — 
1.12%
0.07%
1.05%
T. Rowe Price Large Cap Growth
Portfolio
0.60%
0.25%
0.03%
 — 
0.88%
0.06%
0.82%
T. Rowe Price Small Cap Growth
Portfolio
0.47%
0.30%
0.04%
 — 
0.81%
 — 
0.81%
Western Asset Management Strategic
Bond Opportunities Portfolio
0.57%
0.25%
0.04%
 — 
0.86%
0.05%
0.81%
Western Asset Management
U.S. Government Portfolio
0.48%
0.25%
0.04%
 — 
0.77%
0.02%
0.75%
Morgan Stanley Variable Insurance
Fund, Inc.
 
 
 
 
 
 
 
Global Infrastructure Portfolio
0.85%
0.25%
0.55%
 — 
1.65%
0.53%
1.12%
The information shown in the table above was provided by the Investment Portfolios. Certain Investment Portfolios and their investment adviser have entered into expense reimbursement and/or fee waiver arrangements that will continue at least until April 28, 2025. These arrangements can be terminated with respect to these Investment Portfolios only with the approval of the Investment Portfolio's board of directors or trustees. Please see the Investment Portfolios’ prospectuses for additional information regarding these arrangements.
Certain Investment Portfolios that have “Acquired Fund Fees and Expenses” are “funds of funds.” A fund of funds invests substantially all of its assets in other underlying funds. Because the Investment Portfolio invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including the management fee.
7

INVESTMENT OPTIONS
American Funds Insurance Series® (Class 2)
American Funds Insurance Series® is a mutual fund with multiple portfolios. Capital Research and Management Company is the investment adviser to each portfolio. The following portfolios are available under the contract:
American Funds Global Growth Fund
American Funds Global Small Capitalization Fund
American Funds Growth Fund
BlackRock Variable Series Funds, Inc. (Class III)
BlackRock Variable Series Funds, Inc. is a mutual fund with multiple portfolios. BlackRock Advisors, LLC. is the manager of the portfolios. The following portfolio is available under the contract:
BlackRock Global Allocation V.I. Fund
Brighthouse Funds Trust I
Brighthouse Funds Trust I is a mutual fund with multiple portfolios. Brighthouse Investment Advisers, LLC (Brighthouse Investment Advisers) is the investment manager of Brighthouse Funds Trust I. Brighthouse Investment Advisers has engaged subadvisers to provide investment advice for the individual Investment Portfolios. (See Appendix B for the names of the subadvisers.) The following portfolios are available under the contract:
AB Global Dynamic Allocation Portfolio (Class B)*
Allspring Mid Cap Value Portfolio (Class B)
American Funds® Balanced Allocation Portfolio (Class C)†
American Funds® Growth Allocation Portfolio (Class C)
American Funds® Moderate Allocation Portfolio (Class C)†
BlackRock Global Tactical Strategies Portfolio (Class B)*
BlackRock High Yield Portfolio (Class B)
Brighthouse Asset Allocation 100 Portfolio (Class B)
Brighthouse Balanced Plus Portfolio (Class B)*
Brighthouse Small Cap Value Portfolio (Class B)
Brighthouse/abrdn Emerging Markets Equity Portfolio (Class B)
Brighthouse/Artisan International Portfolio (Class B)
Brighthouse/Eaton Vance Floating Rate Portfolio (Class B)
Brighthouse/Franklin Low Duration Total Return Portfolio (Class B)
Brighthouse/Wellington Large Cap Research Portfolio (Class B)
CBRE Global Real Estate Portfolio (Class B)
Harris Oakmark International Portfolio (Class B)
Invesco Balanced-Risk Allocation Portfolio (Class B)*
Invesco Comstock Portfolio (Class B)
Invesco Global Equity Portfolio (Class B)
Invesco Small Cap Growth Portfolio (Class B)
JPMorgan Core Bond Portfolio (Class B)
JPMorgan Global Active Allocation Portfolio (Class B)*
JPMorgan Small Cap Value Portfolio (Class B)
Loomis Sayles Global Allocation Portfolio (Class B)
Loomis Sayles Growth Portfolio (Class B)
MetLife Multi-Index Targeted Risk Portfolio (Class B)*
MFS® Research International Portfolio (Class B)
Morgan Stanley Discovery Portfolio (Class B)
PanAgora Global Diversified Risk Portfolio (Class B)*
PIMCO Inflation Protected Bond Portfolio (Class B)
PIMCO Total Return Portfolio (Class B)
8

Schroders Global Multi-Asset Portfolio (Class B)*
SSGA Growth and Income ETF Portfolio (Class B)†
SSGA Growth ETF Portfolio (Class B)
T. Rowe Price Large Cap Value Portfolio (Class B)
TCW Core Fixed Income Portfolio (Class B)
Victory Sycamore Mid Cap Value Portfolio (Class B)
Western Asset Management Government Income Portfolio (Class B)*
Brighthouse Funds Trust II
Brighthouse Funds Trust II is a mutual fund with multiple portfolios. Brighthouse Investment Advisers is the investment adviser to the portfolios. Brighthouse Investment Advisers has engaged subadvisers to provide investment advice for the individual Investment Portfolios. (See Appendix B for the names of the subadvisers.) The following portfolios are available under the contract:
Baillie Gifford International Stock Portfolio (Class B)
BlackRock Bond Income Portfolio (Class B)
BlackRock Capital Appreciation Portfolio (Class A)
BlackRock Ultra-Short Term Bond Portfolio (Class B)
Brighthouse Asset Allocation 20 Portfolio (Class B)†
Brighthouse Asset Allocation 40 Portfolio (Class B)†
Brighthouse Asset Allocation 60 Portfolio (Class B)†
Brighthouse Asset Allocation 80 Portfolio (Class B)
Brighthouse/Dimensional International Small Company Portfolio (Class B)
Brighthouse/Wellington Core Equity Opportunities Portfolio (Class E)
Jennison Growth Portfolio (Class B)
Loomis Sayles Small Cap Growth Portfolio (Class B)
MetLife Aggregate Bond Index Portfolio (Class G)*
MetLife Mid Cap Stock Index Portfolio (Class G)
MetLife MSCI EAFE® Index Portfolio (Class G)
MetLife Russell 2000® Index Portfolio (Class G)
MetLife Stock Index Portfolio (Class G)
MFS® Total Return Portfolio (Class B)
MFS® Value Portfolio (Class B)
Neuberger Berman Genesis Portfolio (Class B)
T. Rowe Price Large Cap Growth Portfolio (Class B)
T. Rowe Price Small Cap Growth Portfolio (Class G)
Western Asset Management Strategic Bond Opportunities Portfolio (Class B)
Western Asset Management U.S. Government Portfolio (Class B)
Morgan Stanley Variable Insurance Fund, Inc. (Class II)
Morgan Stanley Variable Insurance Fund, Inc. is a mutual fund with multiple portfolios. Morgan Stanley Investment Management Inc. is the investment adviser to each portfolio. The following portfolio is available under the contract:
Global Infrastructure Portfolio
*
If you elect the GLWB rider, you must allocate at least 80% of your Purchase Payments and Account Value among these Investment Portfolios. (See “Purchase Investment Allocation Restrictions for Certain Riders Investment Allocation and Other Purchase Payment Restrictions for the GLWB.”) These Investment Portfolios are also available for investment if you do not elect the GLWB rider.
If you elect the GLWB rider, you are permitted to allocate up to 20% of your Purchase Payments and Account Value among these Investment Portfolios. (See “Purchase- Investment Allocation Restrictions for Certain Riders Investment Allocation and Other Purchase Payment Restrictions for the GLWB.”) These Investment Portfolios are also available for investment if you do not elect the GLWB rider.
9

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APPENDIX B
Participating Investment Portfolios
Below are the advisers and subadvisers and investment objectives of each Investment Portfolio available under the contract. The fund prospectuses contain more complete information, including a description of the investment objectives, policies, restrictions and risks. THERE CAN BE NO ASSURANCE THAT THE INVESTMENT OBJECTIVES WILL BE ACHIEVED.
Investment Portfolio
Investment Objective
Investment Adviser/Subadviser
American Funds Insurance Series®
(Class 2)
 
 
American Funds Global Growth Fund
Seeks long-term growth of capital.
Capital Research and Management
CompanySM
American Funds Global Small
Capitalization Fund
Seeks long-term growth of capital.
Capital Research and Management
CompanySM
American Funds Growth Fund
Seeks growth of capital.
Capital Research and Management
CompanySM
BlackRock Variable Series Funds,
Inc. (Class III)
 
 
BlackRock Global Allocation V.I. Fund
Seeks high total investment return.
BlackRock Advisors, LLC
Subadviser: BlackRock (Singapore) Limited
Brighthouse Funds Trust I
 
 
AB Global Dynamic Allocation Portfolio
(Class B)*
Seeks capital appreciation and current
income.
Brighthouse Investment Advisers, LLC
Subadviser: AllianceBernstein L.P.
Allspring Mid Cap Value Portfolio
(Class B)
Seeks long-term capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Allspring Global Investments,
LLC
American Funds® Balanced Allocation
Portfolio (Class C)†
Seeks a balance between a high level of
current income and growth of capital, with a
greater emphasis on growth of capital.
Brighthouse Investment Advisers, LLC
American Funds® Growth Allocation
Portfolio (Class C)
Seeks growth of capital.
Brighthouse Investment Advisers, LLC
American Funds® Moderate Allocation
Portfolio (Class C)†
Seeks a high total return in the form of
income and growth of capital, with a greater
emphasis on income.
Brighthouse Investment Advisers, LLC
BlackRock Global Tactical Strategies
Portfolio (Class B)*
Seeks capital appreciation and current
income.
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Financial
Management, Inc.
BlackRock High Yield Portfolio (Class B)
Seeks to maximize total return, consistent
with income generation and prudent
investment management.
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Financial
Management, Inc.
Brighthouse Asset Allocation 100 Portfolio
(Class B)
Seeks growth of capital.
Brighthouse Investment Advisers, LLC
Brighthouse Balanced Plus Portfolio
(Class B)*
Seeks a balance between a high level of
current income and growth of capital, with a
greater emphasis on growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: Overlay Portion: Pacific
Investment Management Company LLC
Brighthouse Small Cap Value Portfolio
(Class B)
Seeks long-term capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Delaware Investments Fund
Advisers, a series of Macquarie Investment
Management Business Trust, and Allspring
Global Investments, LLC
Brighthouse/abrdn Emerging Markets
Equity Portfolio (Class B)
Seeks capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: abrdn Investments Limited
Brighthouse/Artisan International
Portfolio (Class B)
Seeks maximum long-term capital growth.
Brighthouse Investment Advisers, LLC
Subadviser: Artisan Partners Limited
Partnership
Brighthouse/Eaton Vance Floating Rate
Portfolio (Class B)
Seeks a high level of current income.
Brighthouse Investment Advisers, LLC
Subadviser: Eaton Vance Management
Brighthouse/Franklin Low Duration Total
Return Portfolio (Class B)
Seeks a high level of current income, while
seeking preservation of shareholders’ capital.
Brighthouse Investment Advisers, LLC
Subadviser: Franklin Advisers, Inc.
B-1

Investment Portfolio
Investment Objective
Investment Adviser/Subadviser
Brighthouse/Wellington Large Cap
Research Portfolio (Class B)
Seeks long-term capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management
Company LLP
CBRE Global Real Estate Portfolio
(Class B)
Seeks total return through investment in real
estate securities, emphasizing both capital
appreciation and current income.
Brighthouse Investment Advisers, LLC
Subadviser: CBRE Investment Management
Listed Real Assets LLC
Harris Oakmark International Portfolio
(Class B)
Seeks long-term capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Harris Associates L.P.
Invesco Balanced-Risk Allocation Portfolio
(Class B)*
Seeks total return.
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
Invesco Comstock Portfolio (Class B)
Seeks capital growth and income.
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
Invesco Global Equity Portfolio (Class B)
Seeks capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
Invesco Small Cap Growth Portfolio
(Class B)
Seeks long-term growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
JPMorgan Core Bond Portfolio (Class B)
Seeks to maximize total return.
Brighthouse Investment Advisers, LLC
Subadviser: J.P. Morgan Investment
Management Inc.
JPMorgan Global Active Allocation
Portfolio (Class B)*
Seeks capital appreciation and current
income.
Brighthouse Investment Advisers, LLC
Subadviser: J.P. Morgan Investment
Management Inc.
JPMorgan Small Cap Value Portfolio
(Class B)
Seeks long-term capital growth.
Brighthouse Investment Advisers, LLC
Subadviser: J.P. Morgan Investment
Management Inc.
Loomis Sayles Global Allocation Portfolio
(Class B)
Seeks high total investment return through a
combination of capital appreciation and
income.
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P.
Loomis Sayles Growth Portfolio (Class B)
Seeks long-term growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P.
MetLife Multi-Index Targeted Risk
Portfolio (Class B)*
Seeks a balance between growth of capital
and current income, with a greater emphasis
on growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: Overlay Portion: MetLife
Investment Management, LLC
MFS® Research International Portfolio
(Class B)
Seeks capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company
Morgan Stanley Discovery Portfolio
(Class B)
Seeks capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Morgan Stanley Investment
Management Inc.
PanAgora Global Diversified Risk
Portfolio (Class B)*
Seeks total return.
Brighthouse Investment Advisers, LLC
Subadviser: PanAgora Asset Management,
Inc.
PIMCO Inflation Protected Bond Portfolio
(Class B)
Seeks maximum real return, consistent with
preservation of capital and prudent
investment management.
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management
Company LLC
PIMCO Total Return Portfolio (Class B)
Seeks maximum total return, consistent with
the preservation of capital and prudent
investment management.
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management
Company LLC
Schroders Global Multi-Asset Portfolio
(Class B)*
Seeks capital appreciation and current
income.
Brighthouse Investment Advisers, LLC
Subadviser: Schroder Investment
Management North America Inc.
SSGA Growth and Income ETF Portfolio
(Class B)†
Seeks growth of capital and income.
Brighthouse Investment Advisers, LLC
Subadviser: SSGA Funds Management, Inc.
SSGA Growth ETF Portfolio (Class B)
Seeks growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: SSGA Funds Management, Inc.
T. Rowe Price Large Cap Value Portfolio
(Class B)
Seeks long-term capital appreciation by
investing in common stocks believed to be
undervalued. Income is a secondary
objective.
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc.
TCW Core Fixed Income Portfolio
(Class B)
Seeks to maximize total return consistent
with the preservation of capital.
Brighthouse Investment Advisers, LLC
Subadviser: TCW Investment Management
Company LLC
B-2

Investment Portfolio
Investment Objective
Investment Adviser/Subadviser
Victory Sycamore Mid Cap Value
Portfolio (Class B)
Seeks high total return by investing in equity
securities of mid-sized companies.
Brighthouse Investment Advisers, LLC
Subadviser: Victory Capital Management
Inc.
Western Asset Management Government
Income Portfolio (Class B)*
Seeks a high level of current income,
consistent with preservation of principal.
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management
Company LLC
Brighthouse Funds Trust II
 
 
Baillie Gifford International Stock
Portfolio (Class B)
Seeks long-term growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: Baillie Gifford Overseas Limited
BlackRock Bond Income Portfolio
(Class B)
Seeks a competitive total return primarily
from investing in fixed-income securities.
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
BlackRock Capital Appreciation Portfolio
(Class A)
Seeks long-term growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
BlackRock Ultra-Short Term Bond
Portfolio (Class B)
Seeks a high level of current income
consistent with prudent investment risk and
preservation of capital.
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
Brighthouse Asset Allocation 20 Portfolio
(Class B)†
Seeks a high level of current income, with
growth of capital as a secondary objective.
Brighthouse Investment Advisers, LLC
Brighthouse Asset Allocation 40 Portfolio
(Class B)†
Seeks high total return in the form of income
and growth of capital, with a greater
emphasis on income.
Brighthouse Investment Advisers, LLC
Brighthouse Asset Allocation 60 Portfolio
(Class B)†
Seeks a balance between a high level of
current income and growth of capital, with a
greater emphasis on growth of capital.
Brighthouse Investment Advisers, LLC
Brighthouse Asset Allocation 80 Portfolio
(Class B)
Seeks growth of capital.
Brighthouse Investment Advisers, LLC
Brighthouse/Dimensional International
Small Company Portfolio (Class B)
Seeks long-term capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Dimensional Fund Advisors LP
Brighthouse/Wellington Core Equity
Opportunities Portfolio (Class E)
Seeks to provide a growing stream of income
over time and, secondarily, long-term capital
appreciation and current income.
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management
Company LLP
Jennison Growth Portfolio (Class B)
Seeks long-term growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: Jennison Associates LLC
Loomis Sayles Small Cap Growth
Portfolio (Class B)
Seeks long-term capital growth.
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P.
MetLife Aggregate Bond Index Portfolio
(Class G)*
Seeks to track the performance of the
Bloomberg U.S. Aggregate Bond Index.
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment
Management, LLC
MetLife Mid Cap Stock Index Portfolio
(Class G)
Seeks to track the performance of the
Standard & Poor’s MidCap 400® Composite
Stock Price Index.
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment
Management, LLC
MetLife MSCI EAFE® Index Portfolio
(Class G)
Seeks to track the performance of the MSCI
EAFE® Index.
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment
Management, LLC
MetLife Russell 2000® Index Portfolio
(Class G)
Seeks to track the performance of the Russell
2000® Index.
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment
Management, LLC
MetLife Stock Index Portfolio (Class G)
Seeks to track the performance of the
Standard & Poor’s 500® Composite Stock
Price Index.
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment
Management, LLC
MFS® Total Return Portfolio (Class B)
Seeks a favorable total return through
investment in a diversified portfolio.
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company
MFS® Value Portfolio (Class B)
Seeks capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company
Neuberger Berman Genesis Portfolio
(Class B)
Seeks high total return, consisting principally
of capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Neuberger Berman Investment
Advisers LLC
T. Rowe Price Large Cap Growth Portfolio
(Class B)
Seeks long-term growth of capital.
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc.
T. Rowe Price Small Cap Growth Portfolio
(Class G)
Seeks long-term capital growth.
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc.
B-3

Investment Portfolio
Investment Objective
Investment Adviser/Subadviser
Western Asset Management Strategic Bond
Opportunities Portfolio (Class B)
Seeks to maximize total return consistent
with preservation of capital.
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management
Company LLC
Western Asset Management
U.S. Government Portfolio (Class B)
Seeks to maximize total return consistent
with preservation of capital and maintenance
of liquidity.
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management
Company LLC
Morgan Stanley Variable Insurance
Fund, Inc. (Class II)
 
 
Global Infrastructure Portfolio
Seeks both capital appreciation and current
income.
Morgan Stanley Investment Management
Inc.
*
If you elect the GLWB rider, you must allocate at least 80% of your Purchase Payments and Account Value among these Investment Portfolios. (See “Purchase Investment Allocation Restrictions for Certain Riders Investment Allocation and Other Purchase Payment Restrictions for the GLWB.”) These Investment Portfolios are also available for investment if you do not elect the GLWB rider.
If you elect the GLWB rider, you are permitted to allocate up to 20% of your Purchase Payments and Account Value among these Investment Portfolios. (See “Purchase Investment Allocation Restrictions for Certain Riders Investment Allocation and Other Purchase Payment Restrictions for the GLWB.”) These Investment Portfolios are also available for investment if you do not elect the GLWB rider.
B-4



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