Form 497VPI BRIGHTHOUSE SEPARATE

April 22, 2026 6:10 AM EDT
 
The Variable Annuity Contract
Issued by
Brighthouse Life Insurance Company
 
Brighthouse Prime Options
 
Summary Prospectus for New Investors
April 27, 2026
A flexible premium deferred variable annuity contract  
This Summary Prospectus summarizes key features of the Brighthouse Prime Options Variable Annuity contract (the “Contract” or “contract”), a flexible premium deferred variable annuity contract issued by Brighthouse Life Insurance Company (“BLIC”, the “Company”, or “we” or “us”). Before you invest, you should also review the prospectus for the Contract, which contains more information about the Contract’s features, benefits, and risks. You can find this document and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF228. You can also obtain this information at no cost by calling (888) 243-1932 or by sending an email request to [email protected].
* * * * * * * * * * * *
YOU MAY CANCEL YOUR CONTRACT WITHIN 10 DAYS OF RECEIVING IT WITHOUT PAYING
FEES OR PENALTIES.
In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.
* * * * * * * * * * * *
The Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals (partial or full) could result in withdrawal charges, taxes, and tax penalties.
The Company’s obligations under the Contract are subject to our financial strength and claims-paying ability. Additional general information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.
The Securities and Exchange Commission has not approved or disapproved these securities or determined if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.
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Special Terms
Account Value. The sum of your interests in the Investment Portfolios and the Fixed Account.
Accumulation Unit. An accounting unit of measure used in calculating the Account Value in the Separate Account before the annuity commencement date.
Accumulation Phase. The period in which earnings accumulate on a tax-deferred basis.
Annuity Date. Under the contract you can receive regular income payments (referred to as Annuity Payments). You can choose the month and year in which those payments begin. We call that date the Annuity Date. Your Annuity Date must be at least 30 days after we issue the contract and will be the first day of the calendar month unless, subject to our current established administrative procedures, we allow you to select another day of the month as your Annuity Date.
Beneficiary. The person(s) or entity you name to receive any death benefit.
Business Day. A Business Day is each day that the New York Stock Exchange is open for business. A Business Day closes at the close of normal trading on the New York Stock Exchange, usually 4:00 p.m. Eastern Time.
Contract Year. A Contract Year is defined as a one-year period starting on the date the contract is issued and on each contract anniversary thereafter.
Fixed Account. The Fixed Account is part of our general account and offers an interest rate that is guaranteed by us. Our general account consists of all assets owned by us other than those in the Separate Account and our other separate accounts.
Guaranteed Lifetime Withdrawal Benefit (GLWB) Benefit Base. The initial Benefit Base is equal to your initial Purchase Payment. We increase the Benefit Base by each additional Purchase Payment. Any withdrawals taken prior to the date you reach the lifetime withdrawal age will reduce the Benefit Base in the same proportion that such withdrawal (including Withdrawal Charges, if any) reduces the Account Value (a “Proportional Adjustment”).
GLWB Death Benefit Base. The GLWB Death Benefit Base is an amount used to determine your death benefit, and is also the amount the GLWB Death Benefit rider charge is applied. As of the Issue Date, the initial GLWB Death Benefit Base is equal to your initial purchase payment. Prior to the death of the contract Owner or Joint Owner (or the Annuitant if the Owner is a non-natural person), the GLWB Death Benefit Base will be increased by the amount of each purchase payment made, and reduced for all withdrawals as described below. The GLWB Death Benefit Base will not increase or decrease after the death of the contract Owner or Joint Owner (or the Annuitant if the Owner is a non-natural person), unless the GLWB Death Benefit is continued under the Spousal Continuation provision.
Income Phase. The period that occurs when you or a designated payee begin receiving annuity payments from the Contract.
Investment Portfolios. The means of investing offered to Owners in various underlying fund portfolios.
Purchase Payment. A Purchase Payment is the money you give us to invest in the contract. The initial Purchase Payment is due on the date the contract is issued. You may also be permitted to make subsequent Purchase Payments.
Separate Account. We have established Brighthouse Separate Account A to hold the assets that underlie the Contracts.
Total Guaranteed Withdrawal Amount. While the Lifetime Withdrawal Guarantee rider is in effect, we guarantee that you will receive a minimum amount over time. We refer to this minimum amount as the Total Guaranteed Withdrawal Amount. The initial Total Guaranteed Withdrawal Amount is equal to your initial Purchase Payment. We increase the Total Guaranteed Withdrawal Amount (up to a maximum of $5,000,000) by additional Purchase Payment received.
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Overview of the Contract
Purpose. The Contract is a variable annuity contract. It provides a means for investing on a tax-deferred basis in our Fixed Account and the Investment Portfolios, together “investment options.” The Contract is designed generally for an investor who intends to hold the contract for a long period of time and then use the Account Value (in the form of either withdrawals or Annuity Payments) for retirement savings or other long-term investment purposes. The Contract has various optional features and benefits that may be appropriate for you based on your financial situation and objectives. The Contract also offers certain death benefit features, which can be used to transfer assets to your beneficiaries. Because of the withdrawal charge (which is in effect for many years) and the possibility of income tax and tax penalties on early withdrawals, the Contract should not be viewed as an investment vehicle offering low cost liquidity. Your financial goal in acquiring the Contract should focus on a long-term insurance product, offering the prospect of investment growth.
Phases of the Contract. The Contract has two phases: The Accumulation Phase and the Income Phase. During the Accumulation Phase, earnings accumulate on a tax-deferred basis and are taxed as income when you make a withdrawal. To help you accumulate assets during the Accumulation Phase, you can invest your Purchase Payments and Account Value in (1) the Investment Portfolios available under the Contract, each of which has an underlying mutual fund and its own investment strategies and risks; investment adviser(s); expense ratio; and performance history; and (2) the Fixed Account option, which offers a guaranteed interest rate during selected periods. Additional information about each investment option in which you can invest is provided in Appendix A.
The Income Phase occurs when you or a designated payee begin receiving regular Annuity Payments from your Contract. All optional benefits, including living and death benefits, terminate without value at the start of the Income Phase. In addition, once the Income Phase begins you generally may no longer take withdrawals from the Contract. Depending on the Annuity Option you elect, any remaining guarantee may be paid to your Beneficiary (or Beneficiaries).
Contract Features. The following is a brief description of the contract’s primary features.
Accessing your Money. Before you Annuitize, you can withdraw money from your Contract at any time. If you take a withdrawal, you may have to pay a Withdrawal Charge and/or income taxes, including a tax penalty if you are younger than age 59 1∕2. Withdrawals could significantly reduce the value of your Contract, the death benefit, and other Contract benefits, including the optional death benefit. The reduction may be more than the amount withdrawn.
Tax Treatment. You can transfer money among Investment Portfolios without tax implications, and earnings (if any) on your investments are generally tax-deferred. You are only subject to tax upon: (1) making a withdrawal; (2) receiving a payment from us; or (3) payment of a death benefit.
Death Benefits. The Contract includes, at no additional cost, a standard death benefit that will pay a death benefit to your Beneficiary (ies) if you die during the Accumulation Phase. For an additional charge, you may be able to select an optional death benefit, which may increase the amount of money payable to your designated beneficiaries upon your death.
Optional Benefits. We offer optional living and death benefit riders that, for additional charges, offer protection against market risk (the risk that your investments may decline in value or underperform your expectations) and may guarantee a minimum lifetime income.
Additional Services.
•Dollar Cost Averaging Program. This program allows you to systematically transfer a set amount each month between certain Investment Portfolios and the Fixed Account.
•Automatic Rebalancing Program. This program directs us to automatically rebalance your Contract to return to your original percentage investment allocations on a periodic basis.
•Systematic Withdrawal Program. This program allows you to receive regular automatic withdrawals from your Contract either monthly or quarterly, and after the first Contract Year, annually or semi-annually, provided that each payment must amount to at least $100 (unless we consent otherwise).
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•Electronic Delivery. As an Owner you may elect to receive electronic delivery of current prospectuses related to this Contract, as well as other Contract related documents.
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Important Information You Should Consider About the Contract 
 
Fees, Expenses, and Adjustments
Location in
Prospectus
Are There
Charges or
Adjustments for
Early
Withdrawals?
Yes. If you withdraw money during the first 8 full Contract Years following
a Purchase Payment, you may be assessed a withdrawal charge of up to 8%
of the Purchase Payment withdrawn, declining to 0% over that time period.
For example, if you make an early withdrawal, you could pay a withdrawal
charge of up to $8,000 on a $100,000 investment. This loss will be greater if
there are taxes or tax penalties.
Fee Table and
Examples
 
Expenses –
Withdrawal
Charge
Are There
Transaction
Charges?
Yes. In addition to withdrawal charges, you also may be charged for the
following transactions: transfers of cash value between investment options,
which include the Investment Portfolios and the Fixed Account.
Transfer Fee. Currently, we allow unlimited transfers among the investment
options without charge. However, we reserve the right to charge for transfers
after the first 12 transfers per year.
Fee Table and
Examples
 
Expenses –
Transfer Fee
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Fees, Expenses, and Adjustments
Location in
Prospectus
Are There
Ongoing Fees and
Expenses?
Yes. The table below describes the fees and expenses that you may pay each
year, depending on the investment options and optional benefits you choose.
Please refer to your Contract specifications page for information about the
specific fees you will pay each year based on the options you have elected.
Fee Table and
Examples
 
Expenses –
Product
Charges
 
Appendix A:
Investment
Options
Available
Under the
Contract
Annual Fee
Minimum
Maximum
Base Contract1
1.31%
1.31%
Investment Portfolio fees and
expenses2
0.53%
2.50%
Optional benefits available for
an additional charge (for a
single optional benefit (if
elected)
0.25%3
1.55%4
1 As a percentage of Account Value in the Separate Account. The charge shown also includes the
Account Fee.
2 As a percentage of fund assets before temporary expense reimbursements and/or fee waivers.
3 As a percentage of average Account Value in the Separate Account. This charge is the current
charge for the least expensive optional benefit.
4 As a percentage of the Total Guaranteed Withdrawal Amount, which is a value used to
calculate your benefit. This charge is the current charge for the most expensive optional benefit.
 
 
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your
Contract, the following table shows the lowest and highest cost you could
pay each year, based on current charges. This estimate assumes that you do
not take withdrawals from the Contract, which could add withdrawal
charges that substantially increase costs.
Lowest Annual Cost
$1,736
Highest Annual Cost
$5,276
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive Investment Portfolio
fees and expenses
●No optional benefits
●No sales charges
●No additional purchase payments,
transfers, or withdrawals
●Investment of $100,000
●5% annual appreciation
●Most expensive combination
of optional benefits and
Investment Portfolio fees and
expenses
●No sales charges
●No additional purchase
payments, transfers, or
withdrawals
 
Risks
 
Is There a Risk of
Loss from Poor
Performance?
Yes. You can lose money by investing in this Contract including loss of
principal.
Principal Risks
of Investing in
the Contract
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Risks
Location in
Prospectus
Is This a Short-
Term Investment?
No. This Contract is not a short-term investment and is not appropriate for
an investor who needs ready access to cash.
Amounts withdrawn from the Contract may result in withdrawal charges,
taxes, and tax penalties. Withdrawal charges may apply for the first 8 full
Contract Years following a Purchase Payment. Withdrawal charges will
reduce the value of your Contract if you withdraw money during that time.
Withdrawals could significantly reduce the value of your Contract, the death
benefit, and other Contract benefits, including the optional death benefit.
The reduction may be more than the amount withdrawn.
The benefits of tax deferral and living benefit protection also mean the
Contract is more beneficial to investors with a long time horizon.
Principal Risks
of Investing in
the Contract
What Are the
Risks Associated
with the
Investment
Options?
●An investment in this Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the investment
options available under the Contract (e.g., Investment Portfolios).
●Each investment option, including the Fixed Account, has its own unique
risks.
●You should review the prospectuses for the available funds and the
prospectus disclosure concerning the Fixed Account before making an
investment decision.
Principal Risks
of Investing in
the Contract
What Are the
Risks Related to
the Insurance
Company?
An investment in the Contract is subject to the risks related to us. Any
obligations (including under the Fixed Account), and guarantees and benefits
of the Contract that exceed the assets of the Separate Account are subject to
our claims-paying ability. If we experience financial distress, we may not be
able to meet our obligations to you. More information about BLIC, including
our financial strength ratings, is available by contacting us at (888) 243-
1968.
Principal Risks
of Investing in
the Contract
 
Restrictions
 
Are There
Restrictions on the
Investment
Options?
Yes.
●Currently, we allow unlimited transfers without charge among investment
options during the Accumulation Phase. However, we reserve the right to
limit transfers or impose a charge for transfers in excess of 12 per year.
●We reserve the right to limit transfers in circumstances of frequent or large
transfers.
●We reserve the right to restrict payments to and transfers to and from the
Fixed Account.
●We reserve the right to remove or substitute the Investment Portfolios
available as investment options under the Contract.
●The availability of the Investment Portfolios may vary depending on the
selling firm through which your Contract is sold.
Purchase
 
Investment
Options
 
Appendix G:
State
Variations
 
Appendix H:
Financial
Intermediary
Variations
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Restrictions
Location in
Prospectus
Are There Any
Restrictions on
Contract Benefits?
Yes.
●Certain optional benefits limit or restrict the investment options that you
may select under the Contract. We may change these restrictions in the
future.
●Certain optional benefits could limit subsequent Purchase Payments.
●Withdrawals will reduce the value of the death benefit, perhaps
significantly.
●Withdrawals may reduce the value of an optional benefit by an amount
greater than the value withdrawn, which could significantly reduce the
value or even terminate the benefit.
●We may stop offering an optional benefit at any time for new sales.
●The availability of Contract benefits may vary depending on the state
through which your Contract is issued or the selling firm through which it
is sold.
●Except as otherwise provided, Contract benefits may not be modified or
terminated by us.
Purchase –
Investment
Allocation
Restrictions for
Certain Riders
 
Living Benefits
 
Death Benefit
 
Appendix A:
Investment
Portfolios
Available
Under the
Benefits
Offered Under
the Contract
 
Appendix G:
State
Variations
 
Appendix H:
Financial
Intermediary
Variations
 
Taxes
 
What Are the
Contract’s Tax
Implications?
●Consult with a tax professional to determine the tax implications of an
investment in and payments received under this Contract.
●If you purchase the Contract through a tax-qualified plan or individual
retirement account, you do not get any additional tax benefit.
●You will generally not be taxed on increases in the value of the Contract
until they are withdrawn. Withdrawals will be subject to ordinary income
tax, and may be subject to tax penalties if you take a withdrawal before
age 59 1∕2.
Federal
Income Tax
Status
 
Conflicts of Interest
 
How Are
Investment
Professionals
Compensated?
Your investment professional may receive compensation for selling this
Contract to you, in the form of commissions, additional cash benefits (e.g.,
bonuses), and non-cash compensation. This conflict of interest may influence
your investment professional to recommend this Contract over another
investment for which the investment professional is not compensated or
compensated less.
Other
Information –
Distributor
Should I
Exchange My
Contract?
If you already own an insurance contract, some investment professionals may
have a financial incentive to offer you a new contract in place of the one you
own. You should only exchange a contract you already own if you
determine, after comparing the features, fees, and risks of both contracts, and
any fees or penalties to terminate the existing contract, that it is better for
you to purchase the new Contract rather than continue to own your existing
contract.
Replacement
of Contracts
and Other
Exchanges
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Benefits Available Under the Contract
The following table summarizes information about the benefits under the Contract. The availability of Contract benefits may vary depending on the state through which your Contract is issued or the selling firm through which it is sold. See Appendix G: State Variations to the prospectus and Appendix H: Financial Intermediary Variations to the prospectus. 
Name of
Benefit
Purpose
Standard
or
Optional
Maximum
Annual Fee
Current
Charges
Brief Description of
Restrictions /
Limitations
Dollar Cost
Averaging
Program
Allows you to systematically
transfer a set amount each
month from Investment
Portfolios or the Fixed
Account to other available
Investment Portfolios
Standard
No Charge
N/A
●Available only during the
Accumulation phase
●Transfers only available
from the Fixed Account or
the BlackRock Ultra-Short
Term Bond Portfolio
●Not available with the
GLWB rider
Automatic
Rebalancing
Program
Allows us to automatically
rebalance your Account
Value to return to your
original percentage
allocations
Standard
No Charge
N/A
●Available only during the
Accumulation phase
●If you have selected the
GLWB rider, with or
without the GLWB Death
Benefit rider, the Fixed
Account is not available
for automatic rebalancing
Systematic
Withdrawal
Program
Allows you to set up an
automatic payment of up to
10% of your total Purchase
Payments each year
Standard
No Charge
N/A
●Each payment must be at
least $100 (unless we
consent otherwise)
●In the first Contract Year,
only monthly or quarterly
payments are allowed
Nursing
Home or
Hospital
Confinement
Rider
Allows you to withdraw
Account Value without a
withdrawal charge
Standard
No Charge
N/A
●Must own contract for at
least one year
●You or your joint owner
must be confined for at
least 90 days
●Confinement must be
prescribed by a physician
or be medically necessary
●Terminates on Annuity
Date
●Not available for owners
81 or older on the
contract issue date
●Available in California
under the Waiver of
Withdrawal Charge Rider
for Contracts issued on or
after April 28, 2025
●Not available in
Massachusetts
●Not available in South
Dakota for Contracts
issued prior to April 28,
2025
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Name of
Benefit
Purpose
Standard
or
Optional
Maximum
Annual Fee
Current
Charges
Brief Description of
Restrictions /
Limitations
Terminal
Illness Rider
Allows you to withdraw
Account Value without a
withdrawal charge
Standard
No Charge
N/A
●Must own contract for at
least one year to incur no
withdrawal charge
●Must be terminally ill and
not expected to live more
than 12 months; a
physician certifies to your
illness and life expectancy;
you were not diagnosed
with the terminal illness as
of the date we issued your
contract; and you have
been the Owner
continuously since the
contract was issued (or
have become the Owner
as the spousal Beneficiary
who continues the
contract)
●Terminates on Annuity
Date
●Not available for owners
81 or older on the
contract issue date
●Available in California
under the Waiver of
Withdrawal Charge Rider
for Contracts issued on or
after April 28, 2025
●Not available in
Massachusetts
Standard
Death
Benefit –
Principal
Protection
Pays a minimum death
benefit at least equal to the
greater of the Account Value
or total Purchase Payments
adjusted or any withdrawals
Standard
No Charge
N/A
●Withdrawals may
proportionately reduce the
benefit, and such
reductions could be
significant
Annual Step-
Up Death
Benefit
Pays a death benefit equal to
the greater of your Account
Value, your total Purchase
Payments adjusted for any
withdrawals, or your Step-
Up Value
Optional
0.25% of
average daily
net asset
value of each
Investment
Portfolio
0.25% of
average daily
net asset
value of each
Investment
Portfolio
●Must be 79 or younger at
the effective date of your
contract
●Withdrawals may
proportionately reduce the
benefit, and such
reductions could be
significant
Death
Benefit –
Earnings
Preservation
Benefit
Pays an additional death
benefit that is intended to
help pay part of the income
taxes due at the time of
death of the Owner or Joint
Owner
Optional
0.25% of
average daily
net asset
value of each
Investment
Portfolio
0.25% of
average daily
net asset
value of each
Investment
Portfolio
●Must be 79 or younger at
the effective date of your
contract
●Benefit may not be
available for qualified
plans
●Not available in
Washington
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Name of
Benefit
Purpose
Standard
or
Optional
Maximum
Annual Fee
Current
Charges
Brief Description of
Restrictions /
Limitations
Guaranteed
Lifetime
Withdrawal
Benefit –
FlexChoice
Access Level
Provides lifetime minimum
income regardless of
investment performance
Optional
2.00% of the
Benefit Base
1.35% of the
Benefit Base
●Available to owners at
least age 50 and not older
than 85
●Offers a fixed GLWB
Withdrawal Rate and
GLWB Lifetime Guarantee
Rate throughout your
lifetime
●Benefit subject to
Investment Portfolio
allocation restrictions
●Certain withdrawals could
significantly reduce or
even terminate the benefit
●You may elect to cancel
the GLWB rider on the
Contract Anniversary
every 5 Contract Years for
the first 10 Contract Years
and annually thereafter
Guaranteed
Lifetime
Withdrawal
Benefit –
FlexChoice
Access
Expedite
Provides lifetime minimum
income regardless of
investment performance
Optional
2.00% of the
Benefit Base
1.35% of the
Benefit Base
●Available to owners at
least age 50 and not older
than 85
●Offers a higher GLWB
Withdrawal Rate while
your Account Value is
greater than zero and a
reduced GLWB Lifetime
Guarantee Rate if your
Account Value is reduced
to zero
●Benefit subject to
Investment Portfolio
allocation restrictions
●Certain withdrawals could
significantly reduce or
even terminate the benefit
●You may elect to cancel
the GLWB rider on the
Contract Anniversary
every 5 Contract Years for
the first 10 Contract Years
and annually thereafter
GLWB Death
Benefit
Provides a death benefit
equal to the greater of:
GLWB Death Benefit Base
or the Principal Protection
death benefit
Optional
1.20% of the
GLWB Death
Benefit Base
0.65% of the
GLWB Death
Benefit Base
●Available to owners at
least age 50 and not older
than age 65
●The GLWB Death Benefit
may only be elected if you
have also elected the
GLWB rider, which has
Investment Portfolio
restrictions
●Certain withdrawals could
significantly reduce or
terminate the benefit
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Name of
Benefit
Purpose
Standard
or
Optional
Maximum
Annual Fee
Current
Charges
Brief Description of
Restrictions /
Limitations
Lifetime
Withdrawal
Guarantee
(LWG)
Guarantees income for life,
or at least the entire amount
of Purchase Payments you
make will be returned to
you through a series of
withdrawals regardless of
investment performance
Optional
1.60% of the
Total
Guaranteed
Withdrawal
Amount for
single life
version
1.80% of the
Total
Guaranteed
Withdrawal
Amount for
joint life
version
1.40% of the
Total
Guaranteed
Withdrawal
Amount for
single life
version
1.55% of the
Total
Guaranteed
Withdrawal
Amount for
joint life
version
●Guarantees income for
life, subject to conditions,
provided your first
withdrawal is on or after
the date you reach
age 59 1∕2
●You may elect to cancel
the rider on the contract
anniversary every five
Contract Years for the
first 15 Contract Years
and annually thereafter
●Additional restrictions on
Purchase Payments may
apply
●Certain withdrawals could
significantly reduce or
even terminate the benefit
Buying the Contract
Purchasing the Contract
Applications should be submitted through your financial representative to our Annuity Service Center at: Brighthouse Life Insurance Company Brighthouse Life Insurance Company, P.O. Box 4365, Clinton, IA 52733-4365. We reserve the right to reject any application.
Purchase Payments
A Purchase Payment is the money you give us to invest in the contract. The initial Purchase Payment is due on the date the contract is issued. You may also be permitted to make subsequent Purchase Payments. Initial and subsequent Purchase Payments are subject to certain requirements.
The following requirements apply to initial and subsequent Purchase Payments. We reserve the right to reject any Purchase Payments and to limit future Purchase Payments. Certain riders may have restrictions on subsequent Purchase Payments. 
Minimum Initial Premium Payment
$5,000
Minimum Subsequent Premium Payments
$500 unless you have elected an electronic funds transfer
program approved by us, in which case the minimum
subsequent Purchase Payment is $100 per month.
Maximum Total Premium Payments
$1,000,000 without our approval
Allocation of Purchase Payments
When you purchase a contract, we will allocate your Purchase Payment to the Fixed Account and/or any of the Investment Portfolios you have selected. You may not choose more than 18 Investment Portfolios (including the Fixed Account) at the time your initial Purchase Payment is allocated. Each allocation must be at least $500 and must be in whole numbers. We may restrict the investment options available to you if you select certain optional riders.
Crediting Purchase Payments to Your Account
Initial Purchase Payment. Once we receive your Purchase Payment and the necessary information (or a designee receives a payment and the necessary information in accordance with the designee’s administrative procedures), we will issue your contract and allocate your first Purchase Payment within 2 Business Days. If you do not give us all of the information
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we need, we will contact you to get it before we make any allocation. If for some reason we are unable to complete this process within 5 Business Days, we will either send back your money or get your permission to keep it until we get all of the necessary information.
Subsequent Purchase Payment. We will treat your submission of a Purchase Payment as received by us if we receive a payment at our Annuity Service Center (or a designee receives a payment in accordance with the designee's administrative procedures) before the close of regular trading on the New York Stock Exchange on that day. If we (or our designee) receive the payment, after the close of trading on the New York Stock Exchange on that day (generally 4:00 p.m. Eastern Time), or if the New York Stock Exchange is not open that day, then the request or payment will be treated as received on the next day when the New York Stock Exchange is open.
Making Withdrawals: Accessing the Money in Your Contract
Accumulation Phase
During the Accumulation Phase, you can make a withdrawal from your contract (either a partial or a complete withdrawal). If the amount you withdraw is determined to include the withdrawal of any of your prior Purchase Payments, a withdrawal charge is assessed against each Purchase Payment withdrawn. The free withdrawal amount for each Contract Year after the first (there is no free withdrawal amount in the first Contract Year) is equal to 10% of your total Purchase Payments, less the total free withdrawal amount previously withdrawn in the same Contract Year.
There are limitations on your ability to take withdrawals during the Accumulation Phase. These limitations are as follows: 
Withdrawal Charges and Taxes
There may be Withdrawal Charges and tax implications
when you take out money.
Negative impact on benefits and guarantees of
your Contract
A withdrawal may have a negative impact on certain benefits
and guarantees that you may elect. It may significantly
reduce the value or even terminate the benefit.
Internal Revenue Code or Retirement Plan
Depending on the circumstances, the Internal Revenue Code
or your retirement plan may restrict your ability to take
withdrawals.
Income Phase
During the Income Phase, you will receive annuity payments under the Annuity Option you select; however, you generally may not take any other withdrawals, either complete or partial.
Requesting a Withdrawal
You can request to withdraw all or part of your Account Value by submitting a written request to our Annuity Service Center. We will treat your request for a contract transaction as received by us if we receive a request conforming to our administrative procedures before the close of regular trading on the New York Stock Exchange on that day. If we receive the request after the close of trading on the New York Stock Exchange on that day, or if the New York Stock Exchange is not open that day, then the request will be treated as received on the next day when the New York Stock Exchange is open.
When you make a partial withdrawal, the withdrawal proceeds will be deducted pro rata from the Fixed Account, the Enhanced Dollar Cost Averaging account and the Investment Portfolio(s), as applicable. The withdrawal charge is deducted from the remaining Account Value, if sufficient, or from the amount withdrawn.
When you make a complete withdrawal, you will receive the withdrawal value of the contract. The withdrawal value of the contract is the Account Value of the contract at the end of the Business Day when we receive a written request for a withdrawal:
•less any applicable withdrawal charge;
•less any premium or other tax;
12
•less any account fee; and
•less any applicable pro rata rider charge.
Complete and partial withdrawal payments will generally be mailed within seven days after we receive the request.
13
Additional Information About Fees
The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering, or making withdrawals from an investment option or from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have selected.
The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from an investment option or from the Contract, or transfer Account Value between investment options. State premium taxes of 0% to 3.5% may also be deducted.
Transaction Expenses 
Withdrawal Charge (Note 1)
(as a percentage of Purchase Payments withdrawn)
8%
Transfer Fee (Note 2)
$25
$0 (First 12 per year)

 
Note 1. If an amount withdrawn is determined to include the withdrawal of prior Purchase Payments, a withdrawal charge may be assessed. Withdrawal charges are calculated in accordance with the following. (See “Expenses — Withdrawal Charge” in the Prospectus.) 
Number of Complete Years from
Receipt of Purchase Payment
Withdrawal Charge
(% of Purchase Payment)
0
8
1
8
2
7
3
6
4
5
5
4
6
3
7
2
8 and thereafter
0
Note 2. There is no charge for the first 12 transfers in a Contract Year; thereafter the fee is $25 per transfer. We currently are waiving the transfer fee, but reserve the right to charge the fee in the future.
The next tables describe the fees and expenses that you will pay each year during the time that you own the Contract, not including Investment Portfolio fees and expenses. If you chose to purchase an optional benefit, you will pay additional charges, as shown below.
 
Annual Contract Expenses
 
Administrative Expenses (Note 1)
$50
Base Contract Expenses (Note 2)
1.30%
(as a percentage of average Account Value in the Separate Account)
 
Optional Benefit Expenses (Note 3)
 
Optional Death Benefit — Annual Step-Up (as a percentage of average Account Value)
0.25%
Additional Death Benefit — Earnings Preservation Benefit
0.25%
(as a percentage of average Account Value)
 
Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider Charges
 
14
FlexChoice Access
 
(as a percentage of the Benefit Base (Note 4))
 
GLWB — maximum charge
2.00%
GLWB — current charge
1.35%
GLWB Death Benefit Rider Charges (Note 5)
 
(as a percentage of the GLWB Death Benefit Base (Note 6))
 
GLWB Death Benefit — maximum charge
1.20%
GLWB Death Benefit — current charge
0.65%
Lifetime Withdrawal Guarantee Rider Charges
 
(as a percentage of the Total Guaranteed Withdrawal Amount (Note 7))
 
Lifetime Withdrawal Guarantee
 
(Single Life Version) – maximum charge
1.60%
Lifetime Withdrawal Guarantee
 
(Single Life Version) – current charge
1.40%
Lifetime Withdrawal Guarantee
 
(Joint Life Version) – maximum charge
1.80%
Lifetime Withdrawal Guarantee
 
(Joint Life Version) – current charge
1.55%
Note 1. We call this fee the “Account Fee” in your Contract, as well as in other places in the prospectus. It is charged every Contract Year on your Contract Anniversary if the Account Value is less than $75,000. Different policies apply during the Income Phase of the contract. For instance, if your Account Value on the Annuity Date is at least $75,000, then we will not deduct the account fee. After the Annuity Date, the charge will be collected monthly out of the Annuity Payment, regardless of the size of your contract. See “Expenses” section of the prospectus, under the sub-heading “Account Fee”.
In the section entitled “Important Information You Should Consider About Your Contract” earlier in this prospectus, we are required to present this fee as part of the Base Contract.
Note 2. . We call these the “Separate Account Charges” in your Contract, as well as in other places in the prospectus. This charge is deducted solely from Account Value in the Separate Account. See “Expenses” section of the prospectus, under the sub-heading “Base Contract Charges” for more information.
Note 3. These charges are deducted solely from Account Value in the Separate Account. You may only elect one living benefit rider at a time. . See “Expenses” section of the prospectus, under the sub-heading “Optional Benefits” for more information.
Note 4. On the issue date, the Benefit Base is set at an amount equal to your initial Purchase Payment. The Benefit Base is adjusted for subsequent Purchase Payments and may be adjusted for withdrawals. See “Living Benefits – Guaranteed Lifetime Withdrawal Benefit” in the prospectus for a definition of the term Benefit Base. The GLWB rider charge may increase upon an Automatic Step-Up, but it will not exceed the maximum charge listed in the table. See “Expenses” section of the prospectus, under the sub-heading “Optional Benefits” for more information. FlexChoice Access is currently available for purchase in all states.
Note 5. The GLWB Death Benefit may only be elected if the GLWB rider is elected. The GLWB Death Benefit currently is available for purchase in all states.
Note 6. On the issue date, the GLWB Death Benefit Base is set at an amount equal to your initial Purchase Payment. The GLWB Death Benefit Base is adjusted for subsequent Purchase Payments and all withdrawals. See “Living Benefits – Guaranteed Lifetime Withdrawal Benefit – GLWB Death Benefit” in the Prospectus for a definition of the term GLWB Death Benefit Base. The GLWB rider charge may increase upon an Automatic Step-Up, but it will not exceed the maximum charge listed in the table. See “Expenses.” section of the prospectus under the sub-heading “Optional Benefits” for more information.
Note 7. The Total Guaranteed Withdrawal Amount is initially set at an amount equal to your initial Purchase Payment. The Total Guaranteed Withdrawal Amount may increase with additional Purchase Payments and may be adjusted for withdrawals. See “Living Benefits — Lifetime Withdrawal Guarantee” in the Prospectus for a definition of the term Total Guaranteed Withdrawal Amount. The Lifetime Withdrawal Guarantee rider charges may increase upon an Automatic Annual Step-Up, but they will not exceed the maximum charges listed in this table. See “Living Benefits” section of the prospectus under the sub-heading “Lifetime Withdrawal Guarantee  — Automatic Annual Step-Up”.
The next table shows the minimum and maximum total operating expenses charged by the Investment Portfolios that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Investment Portfolios available under the Contract, including their annual expenses, may be found in
15
Appendix A.
Annual Investment Portfolio Expenses 
 
Minimum
Maximum
Total Annual Investment Portfolio Expenses
 
 
(expenses that are deducted from Investment Portfolio assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses)
0.53%
2.50%
16
Examples
These Examples are intended to help you compare the cost of investing in the Investment Portfolios of the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include Transaction Expenses, Annual Contract Expenses, and Annual Investment Portfolio Expenses.
We have provided two sets of Examples. Both Examples assume that you invest $100,000 in the Investment Portfolios of the Contract for the time periods indicated. The Examples also assume that your investment has a 5% return each year and that the Contract is owned during the Accumulation Phase. Your costs could differ from those shown below if you invest in the Fixed Account.
The first Example assumes the most expensive Annual Investment Portfolio Expenses and the most expensive optional benefits available for an additional charge (“maximum”). This Example also shows costs assuming the least expensive Annual Investment Portfolio Expenses and the most expensive optional benefits available for an additional charge (“minimum”).
The second Example assumes the most expensive Annual Investment Portfolio Expenses and that you select no optional benefits for an additional charge (“maximum”). This Example also shows costs assuming the least expensive Annual Investment Portfolio Expenses and that you select no optional benefits for an additional charge (“minimum”).
Although your actual costs may be higher or lower, based on these assumptions, your costs would be the following:  
(1) If you surrender your Contract at the end of the applicable time period: 
Time Periods
 
1 year
3 years
5 years
10 years
maximum
$15,051
$27,141
$38,718
$65,851
minimum
$12,930
$21,101
$29,186
$49,458
 
If you do not surrender your Contract or if you annuitize at the end of the applicable time period: 
Time Periods
 
1 year
3 years
5 years
10 years
maximum
$7,051
$20,841
$34,218
$65,851
minimum
$4,930
$14,801
$24,686
$49,458
(2) If you surrender your Contract at the end of the applicable time period: 
Time Periods
 
1 year
3 years
5 years
10 years
maximum
$11,851
$17,985
$24,200
$40,559
minimum
$9,880
$12,119
$14,506
$21,674
 
If you do not surrender your Contract or if you annuitize at the end of the applicable time period: 
17
Time Periods
 
1 year
3 years
5 years
10 years
maximum
$3,851
$11,685
$19,700
$40,559
minimum
$1,880
$5,819
$10,006
$21,674
The Examples should not be considered a representation of past or future expenses or annual rates of return of any Investment Portfolio. Actual expenses and annual rates of return may be more or less than those assumed for the purpose of the Examples.
18
APPENDIX A
Investment Options Available Under the Contract
The following is a list of Investment Portfolios under the Contract. More information about the Investment Portfolios is available in the prospectuses for the Investment Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF228. You can also request this information at no cost by calling (888) 243-1932 or sending an email request to [email protected]. Depending on the optional benefits you choose, you may not be able to invest in certain Investment Portfolios. See “Investment Portfolios Available Under the Benefits Offered Under the Contract” below.
The availability of the Investment Portfolios may vary depending on the selling firm through which your Contract is sold. See Appendix H: Financial Intermediary Variations.
The current expenses and performance information below reflects fees and expenses of the Investment Portfolio, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Investment Portfolio’s past performance is not necessarily an indication of future performance. 
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2025)
1
Year
5
Year
10
Year
Seeks both capital appreciation and
current income.
Invesco V.I. Equity and Income
Fund — Series II
Invesco Advisers, Inc.
0.82%
12.52%
8.68%
8.64%
Seeks long-term growth of capital.
Invesco V.I. EQV International
Equity Fund — Series II
Invesco Advisers, Inc.
1.15%
16.23%
3.42%
5.95%
Seeks capital appreciation.
Invesco V.I. Main Street Small Cap
Fund® — Series II
Invesco Advisers, Inc.
1.09%
8.44%
8.07%
10.31%
Seeks long-term growth of capital.
American Funds Global Growth
Fund — Class 4#
Capital Research and Management
CompanySM
0.90%
21.34%
7.97%
11.89%
Seeks long-term growth of capital
and income.
American Funds Growth-Income
Fund — Class 4
Capital Research and Management
CompanySM
0.78%
17.77%
13.62%
13.63%
Seeks long-term growth of capital.
American Funds SMALLCAP World
Fund® — Class 41#
Capital Research and Management
CompanySM
1.15%
14.33%
0.23%
6.96%
Seeks as high a level of current
income as is consistent with the
preservation of capital.
American Funds The Bond Fund of
America — Class 4#
Capital Research and Management
CompanySM
0.72%
6.98%
-0.38%
2.11%
Seeks high total investment return.
BlackRock Global Allocation V.I.
Fund — Class III#
BlackRock Advisors, LLC
Subadviser: BlackRock (Singapore)
Limited
1.01%
19.42%
5.51%
7.33%
A-1
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2025)
1
Year
5
Year
10
Year
Seeks capital appreciation and
current income.
AB Global Dynamic Allocation
Portfolio — Class B*
Brighthouse Investment Advisers,
LLC
Subadviser: AllianceBernstein L.P.
0.92%
11.56%
3.05%
4.77%
Seeks to maximize total return.
AB International Bond
Portfolio — Class B
Brighthouse Investment Advisers,
LLC
Subadviser: AllianceBernstein L.P.
0.87%
7.77%
0.45%
 — 
Seeks growth of capital.
American Funds® Aggressive
Allocation Portfolio — Class C‡
Brighthouse Investment Advisers,
LLC
0.99%
19.90%
9.30%
10.88%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
American Funds® Balanced
Allocation Portfolio — Class C‡
Brighthouse Investment Advisers,
LLC
0.96%
17.02%
7.26%
8.99%
Seeks to achieve growth of capital.
American Funds® Growth
Portfolio — Class C
Brighthouse Investment Advisers,
LLC; Capital Research and
Management CompanySM
0.90%
19.88%
13.02%
17.60%
Seeks a high total return in the form
of income and growth of capital,
with a greater emphasis on income.
American Funds® Moderate
Allocation Portfolio — Class C‡
Brighthouse Investment Advisers,
LLC
0.95%
14.46%
5.71%
7.30%
Seeks capital appreciation and
current income.
BlackRock Global Tactical Strategies
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Financial
Management, Inc.
0.94%
11.44%
3.54%
5.10%
Seeks to maximize total return,
consistent with income generation
and prudent investment
management.
BlackRock High Yield
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Financial
Management, Inc.
0.88%
8.93%
4.68%
6.35%
Seeks growth of capital.
Brighthouse Asset Allocation 100
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.96%
17.06%
8.63%
10.70%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
Brighthouse Balanced Plus
Portfolio — Class B*
Brighthouse Investment Advisers,
LLC
Subadviser: Overlay Portion: Pacific
Investment Management Company
LLC
1.17%
11.95%
1.31%
5.83%
A-2
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2025)
1
Year
5
Year
10
Year
Seeks a high level of current income.
Brighthouse/Eaton Vance Floating
Rate Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Eaton Vance
Management
0.95%
3.81%
4.75%
4.59%
Seeks a high level of current income,
while seeking preservation of
shareholders’ capital.
Brighthouse/Franklin Low Duration
Total Return Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Franklin Advisers, Inc.
0.75%
5.25%
2.14%
2.23%
Seeks total return through
investment in real estate securities,
emphasizing both capital
appreciation and current income.
CBRE Global Real Estate
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: CBRE Investment
Management Listed Real Assets
LLC
0.91%
6.75%
4.03%
3.95%
Seeks long-term capital appreciation.
Harris Oakmark International
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Harris Associates L.P.
0.97%
32.78%
6.46%
6.74%
Seeks total return.
Invesco Balanced-Risk Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.97%
13.14%
3.77%
5.80%
Seeks capital growth and income.
Invesco Comstock
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.81%
17.31%
15.15%
11.83%
Seeks capital appreciation.
Invesco Global Equity
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.83%
15.60%
7.30%
11.00%
Seeks long-term growth of capital.
Invesco Small Cap Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.99%
5.83%
-0.91%
9.00%
Seeks capital appreciation and
current income.
JPMorgan Global Active Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.98%
13.92%
3.68%
5.77%
A-3
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2025)
1
Year
5
Year
10
Year
Seeks high total investment return
through a combination of capital
appreciation and income.
Loomis Sayles Global Allocation
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
1.04%
12.59%
6.25%
9.22%
Seeks long-term growth of capital.
Loomis Sayles Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
0.80%
14.90%
14.77%
13.91%
Seeks a balance between growth of
capital and current income, with a
greater emphasis on growth of
capital.
MetLife Multi-Index Targeted Risk
Portfolio — Class B*
Brighthouse Investment Advisers,
LLC
Subadviser: Overlay Portion:
MetLife Investment Management,
LLC
0.62%
9.08%
2.93%
5.31%
Seeks capital appreciation.
MFS® Research International
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.81%
22.41%
5.54%
7.57%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.90%
13.19%
-5.83%
14.00%
Seeks total return.
PanAgora Global Diversified Risk
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: PanAgora Asset
Management, Inc.
1.01%
19.84%
0.66%
5.01%
Seeks maximum real return,
consistent with preservation of
capital and prudent investment
management.
PIMCO Inflation Protected Bond
Portfolio — Class B
Brighthouse Investment Advisers,
LLC
Subadviser: Pacific Investment
Management Company LLC
1.38%
7.74%
1.15%
3.09%
Seeks capital appreciation and
current income.
Schroders Global Multi-Asset
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Schroder Investment
Management North America Inc.
0.96%
9.85%
4.28%
5.28%
A-4
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2025)
1
Year
5
Year
10
Year
Seeks to provide total return,
primarily through capital
appreciation.
State Street Emerging Markets
Enhanced Index
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc
0.80%
34.14%
6.04%
 — 
Seeks growth of capital and income.
State Street Moderate ETF
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc.
0.75%
16.78%
7.19%
7.85%
Seeks growth of capital.
State Street Moderately Aggressive
ETF Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc.
0.78%
19.23%
9.01%
9.31%
Seeks long-term capital appreciation
by investing in common stocks
believed to be undervalued. Income
is a secondary objective.
T. Rowe Price Large Cap Value
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.78%
12.05%
10.28%
10.09%
Seeks high total return by investing
in equity securities of mid-sized
companies.
Victory Sycamore Mid Cap Value
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Victory Capital
Management Inc.
0.85%
2.29%
9.62%
9.58%
Seeks a high level of current income,
consistent with preservation of
principal.
Western Asset Management
Government Income
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.74%
7.21%
-1.27%
1.21%
Seeks long-term growth of capital.
Baillie Gifford International Stock
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Baillie Gifford Overseas
Limited
0.99%
18.96%
0.70%
7.34%
Seeks a competitive total return
primarily from investing in fixed-
income securities.
BlackRock Bond Income
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.63%
7.68%
-0.42%
2.12%
A-5
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2025)
1
Year
5
Year
10
Year
Seeks long-term growth of capital.
BlackRock Capital Appreciation
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.81%
12.91%
10.79%
15.51%
Seeks a high level of current income
consistent with prudent investment
risk and preservation of capital.
BlackRock Ultra-Short Term Bond
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.62%
3.89%
2.83%
1.85%
Seeks a high level of current income,
with growth of capital as a
secondary objective.
Brighthouse Asset Allocation 20
Portfolio — Class B#‡
Brighthouse Investment Advisers,
LLC
0.93%
9.25%
2.06%
3.97%
Seeks high total return in the form of
income and growth of capital, with a
greater emphasis on income.
Brighthouse Asset Allocation 40
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.91%
11.50%
3.84%
5.69%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
Brighthouse Asset Allocation 60
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.91%
13.77%
5.55%
7.47%
Seeks growth of capital.
Brighthouse Asset Allocation 80
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.93%
15.63%
7.18%
9.22%
Seeks long-term capital appreciation.
Brighthouse/Dimensional
International Small Company
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Dimensional Fund
Advisors LP
1.03%
35.85%
8.30%
8.14%
Seeks to provide a growing stream of
income over time and, secondarily,
long-term capital appreciation and
current income.
Brighthouse/Wellington Core Equity
Opportunities Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Wellington Management
Company LLP
0.87%
7.54%
8.02%
10.45%
Seeks to track the performance of
the Bloomberg U.S. Aggregate Bond
Index.
MetLife Aggregate Bond Index
Portfolio — Class G#
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.56%
6.79%
-0.92%
1.46%
Seeks to track the performance of
the Standard & Poor’s MidCap
400® Composite Stock Price Index.
MetLife Mid Cap Stock Index
Portfolio — Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.60%
6.82%
8.48%
10.10%
A-6
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2025)
1
Year
5
Year
10
Year
Seeks to track the performance of
the MSCI EAFE® Index.
MetLife MSCI EAFE® Index
Portfolio — Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.67%
30.71%
8.30%
7.71%
Seeks to track the performance of
the Russell 2000® Index.
MetLife Russell 2000® Index
Portfolio — Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.60%
12.37%
5.68%
9.22%
Seeks to track the performance of
the Standard & Poor’s 500®
Composite Stock Price Index.
MetLife Stock Index
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.52%
17.28%
13.84%
14.24%
Seeks to maximize total return
consistent with preservation of
capital.
Western Asset Management Strategic
Bond Opportunities
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.82%
8.88%
1.17%
3.77%
Seeks to maximize total return
consistent with preservation of
capital and maintenance of liquidity.
Western Asset Management
U.S. Government
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.75%
6.81%
0.35%
1.57%
Seeks long-term capital appreciation.
Contrafund® Portfolio — Service
Class 2
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.79%
21.24%
15.08%
15.49%
Seeks long-term growth of capital.
Mid Cap Portfolio — Service Class 2
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.80%
11.49%
9.83%
10.31%
Seeks to maximize income while
maintaining prospects for capital
appreciation.
Franklin Income VIP
Fund — Class 2
Franklin Advisers, Inc.
0.72%
12.56%
7.66%
7.30%
Seeks capital appreciation, with
income as a secondary goal.
Franklin Mutual Shares VIP
Fund — Class 2
Franklin Mutual Advisers, LLC
0.94%
11.52%
9.20%
7.53%
Seeks long-term total return.
Franklin Small Cap Value VIP
Fund — Class 2#
Franklin Mutual Advisers, LLC
0.91%
7.65%
8.86%
9.81%
A-7
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2025)
1
Year
5
Year
10
Year
Seeks high current income,
consistent with preservation of
capital, with capital appreciation as
a secondary consideration.
Templeton Global Bond VIP
Fund — Class 2#
Franklin Advisers, Inc.
0.75%
15.73%
-0.96%
-0.15%
Seeks long-term growth of capital.
Janus Henderson Global Sustainable
Equity Portfolio — Service Shares#
Janus Henderson Investors US LLC
0.99%
17.26%
 — 
 — 
Seeks long-term growth of capital.
ClearBridge Variable Small Cap
Growth Portfolio — Class II
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
1.06%
8.97%
-0.42%
9.11%
Seeks to maximize total return.
Western Asset Variable Global High
Yield Bond Portfolio — Class II
Legg Mason Partners Fund Advisor,
LLC
Subadvisers: Western Asset
Management Company, LLC;
Western Asset Management
Company Limited; Western Asset
Management Company Pte. Ltd.
1.06%
9.95%
2.34%
5.09%
Seeks long-term capital appreciation.
LVIP ClearBridge Appreciation
Fund — Class II#
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
0.95%
14.19%
12.44%
13.05%
Seeks dividend income, growth of
dividend income and long-term
capital appreciation.
LVIP ClearBridge Dividend Strategy
Fund — Class II#
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
1.00%
12.46%
11.69%
12.29%
Seeks capital appreciation by
investing in a diversified portfolio of
securities consisting primarily of
common stocks.
Victory Pioneer Mid Cap Value VCT
Portfolio — Class II#
Victory Capital Management Inc.
1.02%
10.86%
10.88%
8.73%
#
Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in the Current Expenses. Please see the Investment Portfolios' prospectuses for additional information regarding these arrangements.
*
This Investment Portfolio is managed in a way that is intended to minimize volatility of returns (referred to as a “managed volatility strategy”). See “Principal Risks of Investing in the Contract.”
‡
This Investment Portfolio is a fund of funds and 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.
1
Until May 1, 2026, the name of this Investment Portfolio is American Funds Global Small Capitalization Fund.
The following lists the Fixed Account option currently available under the Contract. The Fixed Account listed below will also be used if you participate in the DCA program and instruct us to make transfers to or from the Fixed Account. We may change the features of the Fixed Account listed below, offer new Fixed Account investment options, and terminate existing Fixed Account investment options. We will provide you with written notice before doing so. 
A-8
Name
Guaranteed Minimum Interest Rate
Fixed Account
1%
A-9
Investment Portfolios Available Under the Benefits Offered Under the Contract
If you have elected an optional benefit under the contract, your contract may be subject to investment allocation restrictions, as reflected in the following table. See “Investment Allocation Restrictions for Certain Riders” for more details. If your optional benefit is not included in the table below, your contract is not currently subject to any investment allocation restrictions.   
Optional Benefit
FlexChoice Access GLWB
GLWB Death Benefit
You may not allocate Purchase Payments to the Standard Dollar Cost Averaging Program if you elect any of these optional benefits.
Investment Allocation and Other Purchase Payment Restrictions for the GLWB
FlexChoice Access GLWB (available for purchase on and after March 5, 2018) and GLWB Death Benefit. If you elect the FlexChoice Access GLWB with or without the GLWB Death Benefit, you must allocate your investments according to either Option A or Option B below.
Option A. You must allocate 100% of your Purchase Payments or Account Value among:
 
AB Global Dynamic Allocation Portfolio
American Funds® Balanced Allocation Portfolio
American Funds® Moderate Allocation Portfolio
BlackRock Global Allocation V.I. Fund
BlackRock Global Tactical Strategies Portfolio
Brighthouse Asset Allocation 20 Portfolio
Brighthouse Asset Allocation 40 Portfolio
Brighthouse Asset Allocation 60 Portfolio
Brighthouse Balanced Plus Portfolio
Franklin Income VIP Fund
Invesco Balanced-Risk Allocation Portfolio
JPMorgan Global Active Allocation Portfolio
Loomis Sayles Global Allocation Portfolio
MetLife Multi-Index Targeted Risk Portfolio
PanAgora Global Diversified Risk Portfolio
Schroders Global Multi-Asset Portfolio
State Street Moderate ETF Portfolio
OR
Option B. You must allocate up to 70% of Purchase Payments or Account Value to Platform 1 portfolios; and at least 30% of Purchase Payments or Account Value to Platform 2 portfolios. We will automatically rebalance your allocations quarterly. The investment options in each Platform are: 
Platform 1
Platform 2
A maximum of 70% of Purchase Payments or
Account Value
A minimum of 30% of Purchase Payments or
Account Value
AB Global Dynamic Allocation Portfolio
AB International Bond Portfolio
American Funds Global Growth Fund
American Funds The Bond Fund of America
American Funds Growth-Income Fund
BlackRock Bond Income Portfolio
American Funds SMALLCAP World Fund®
BlackRock High Yield Portfolio
American Funds® Aggressive Allocation Portfolio
BlackRock Ultra-Short Term Bond Portfolio
American Funds® Balanced Allocation Portfolio
Brighthouse/Eaton Vance Floating Rate Portfolio
American Funds® Growth Portfolio
Brighthouse/Franklin Low Duration Total Return Portfolio
American Funds® Moderate Allocation Portfolio
MetLife Aggregate Bond Index Portfolio
Baillie Gifford International Stock Portfolio
PIMCO Inflation Protected Bond Portfolio
BlackRock Capital Appreciation Portfolio
Templeton Global Bond VIP Fund
A-10
Platform 1
Platform 2
A maximum of 70% of Purchase Payments or
Account Value
A minimum of 30% of Purchase Payments or
Account Value
BlackRock Global Allocation V.I. Fund
Western Asset Management Government Income Portfolio
BlackRock Global Tactical Strategies Portfolio
Western Asset Management Strategic Bond Opportunities
Portfolio
Brighthouse Asset Allocation 100 Portfolio
Western Asset Management U.S. Government Portfolio
Brighthouse Asset Allocation 20 Portfolio
Western Asset Variable Global High Yield Bond Portfolio
Brighthouse Asset Allocation 40 Portfolio
 
Brighthouse Asset Allocation 60 Portfolio
 
Brighthouse Asset Allocation 80 Portfolio
 
Brighthouse Balanced Plus Portfolio
 
Brighthouse/Dimensional International Small Company
Portfolio
 
Brighthouse/Wellington Core Equity Opportunities
Portfolio
 
CBRE Global Real Estate Portfolio
 
ClearBridge Variable Small Cap Growth Portfolio
 
Contrafund® Portfolio
 
Franklin Income VIP Fund
 
Franklin Mutual Shares VIP Fund
 
Franklin Small Cap Value VIP Fund
 
Harris Oakmark International Portfolio
 
Invesco Balanced-Risk Allocation Portfolio
 
Invesco Comstock Portfolio
 
Invesco Global Equity Portfolio
 
Invesco Small Cap Growth Portfolio
 
Invesco V.I. Equity and Income Fund
 
Invesco V.I. EQV International Equity Fund
 
Invesco V.I. Main Street Small Cap Fund®
 
Janus Henderson Global Sustainable Equity Portfolio
 
JPMorgan Global Active Allocation Portfolio
 
Loomis Sayles Global Allocation Portfolio
 
Loomis Sayles Growth Portfolio
 
LVIP ClearBridge Appreciation Fund
 
LVIP ClearBridge Dividend Strategy Fund
 
MetLife Mid Cap Stock Index Portfolio
 
MetLife MSCI EAFE® Index Portfolio
 
MetLife Multi-Index Targeted Risk Portfolio
 
MetLife Russell 2000® Index Portfolio
 
MetLife Stock Index Portfolio
 
MFS® Research International Portfolio
 
Mid Cap Portfolio
 
Morgan Stanley Discovery Portfolio
 
PanAgora Global Diversified Risk Portfolio
 
Schroders Global Multi-Asset Portfolio
 
State Street Emerging Markets Enhanced Index Portfolio
 
A-11
Platform 1
Platform 2
A maximum of 70% of Purchase Payments or
Account Value
A minimum of 30% of Purchase Payments or
Account Value
State Street Moderate ETF Portfolio
 
State Street Moderately Aggressive ETF Portfolio
 
T. Rowe Price Large Cap Value Portfolio
 
Victory Pioneer Mid Cap Value VCT Portfolio
 
Victory Sycamore Mid Cap Value Portfolio
 
A-12
 
The prospectus and statement of additional information (“SAI”) include additional information. The prospectus and SAI are dated the same as this summary prospectus and are incorporated by reference. The prospectus and SAI are available, without charge, upon request. For a free copy, call us at (888) 243-1932, or send an email request to [email protected]. You can also access the prospectus, SAI and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF228.
Reports and other information about BLIC are available on the SEC’s website at https://www.sec.gov/ and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].
EDGAR Contract Identifier No. is C000168465

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