Form 497VPU BRIGHTHOUSE SEPARATE

April 23, 2025 12:10 PM EDT
 
The Variable Annuity Contract
issued by
Brighthouse Life Insurance Company
and
Brighthouse Separate Account A
 
Brighthouse Prime Options
 
Updating Summary Prospectus
April 28, 2025
A flexible premium deferred variable annuity contract
 
The prospectus for 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”), is available and contains more information about the Contract including its features, benefits, and risks. You can find the current prospectus 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].
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.
1
Special Terms
Account Value. The sum of your interests in the Investment Portfolios and the Fixed Account.
Accumulation Phase. The period in which earnings accumulate on a tax-deferred basis.
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.
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.
Updated Information You Should Consider About the Contract
The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the Updating Summary Prospectus dated April 29, 2024. This may not reflect all of the changes that have occurred since you entered into your Contract.
Changes to Benefits Offered Under the Contract
FlexChoice Access GLWB Rider.
•For Contracts issued on and after September 23, 2024, the Guaranteed Lifetime Withdrawal Benefit (GLWB) rider GLWB Withdrawal Rates and GLWB Lifetime Guarantee Rates available under the FlexChoice Access Level and Expedite variations of the GLWB rider increased. Current Contract owners will be subject to the rates in effect when your Contract was issued. 
Changes Affecting the Investment Portfolios 
Portfolio Name Changes. Certain Investment Portfolios were subject to a name change. The chart below identifies the former name and new name of the Investment Portfolios. 
Former Name
New Name
Brighthouse Funds Trust I
Brighthouse Funds Trust I
American Funds® Growth Allocation Portfolio
Brighthouse/abrdn Emerging Markets Equity Portfolio
American Funds® Aggressive Allocation Portfolio
SSGA Emerging Markets Enhanced Index Portfolio II*
*The effective date of this name change was August 19, 2024. 
Portfolio Merger. The following Former Investment Portfolio was merged with and into the New Investment Portfolio. 
Brighthouse Funds Trust I
Brighthouse Funds Trust I
SSGA Emerging Markets Enhanced Index Portfolio II
SSGA Emerging Markets Enhanced Index Portfolio
 
Trust/ Investment Portfolio. The following Former Investment Portfolio was reorganized into the New Investment Portfolio of the New Trust. 
3
Pioneer Variable Contracts Trust
Victory Variable Insurance Funds II
Pioneer Mid Cap Value VCT Portfolio
Victory Pioneer Mid Cap Value VCT Portfolio
4
Important Information You Should Consider About the Contract
 
 
Fees and Expenses
Location in
Prospectus
Charges for Early
Withdrawals
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.
Fee Table and
Examples
 
Expenses –
Withdrawal
Charge
Transaction
Charges
In addition to withdrawal charges, you also may be charged for the following
transactions: transfers of cash value between investment options, which
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
Ongoing Fees and
Expenses (annual
charges)
The table below describes the fees and expenses that you may pay each year,
depending on the options 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:
Available
Under the
Contract
Annual Fee
Minimum
Maximum
Base Contract1
1.31%
1.31%
Investment options
(Portfolio Company fees and
expenses)2
0.53%
2.86%
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
$5,484
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive Portfolio Company fees
and expenses
●No optional benefits
●No additional purchase payments,
transfers, or withdrawals
●Investment of $100,000
●5% annual appreciation
●Most expensive combination
of optional benefits and
Portfolio Company fees and
expenses
●No additional purchase
payments, transfers, or
withdrawals
5
 
Risks
Location in
Prospectus
Risk of Loss
You can lose money by investing in this Contract including loss of principal.
Principal Risks
Not a Short-Term
Investment
This Contract is not a short-term investment and is not appropriate for an
investor who needs ready access to cash.
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.
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
Risks Associated
with 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., Portfolio Companies).
●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
Insurance
Company Risks
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
 
Restrictions
 
Investments
●Currently, we allow unlimited transfers without charge among investment
options during the Accumulation Phase. However, we reserve the right to
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 remove or substitute the Portfolio Companies
available as investment options under the Contract.
Investment
Options
Optional Benefits
●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 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.
Purchase –
Investment
Allocation
Restrictions for
Certain Riders
 
Living Benefits
 
Appendix B:
Available
Under the
Benefits
Offered Under
the Contract
6
 
Taxes
Location in
Prospectus
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
 
Investment
Professional
Compensation
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
Exchanges
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,
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
7
 
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APPENDIX A
Investment Portfolios 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 Appendix B: Investment Portfolios Available Under the Benefits Offered Under the Contract.
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 12/31/2024)
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%
11.91%
8.12%
7.09%
Seeks long-term growth of capital.
Invesco V.I. EQV International
Equity Fund — Series II
Invesco Advisers, Inc.
1.15%
0.34%
2.97%
4.10%
Seeks capital appreciation.
Invesco V.I. Main Street Small Cap
Fund® — Series II
Invesco Advisers, Inc.
1.11%
12.41%
10.21%
8.73%
Seeks long-term growth of capital.
American Funds Global Growth
Fund — Class 4#
Capital Research and Management
CompanySM
0.91%
13.39%
9.49%
10.46%
Seeks long-term growth of capital.
American Funds Global Small
Capitalization Fund — Class 4#
Capital Research and Management
CompanySM
1.15%
2.12%
2.74%
5.54%
Seeks long-term growth of capital
and income.
American Funds Growth-Income
Fund — Class 4
Capital Research and Management
CompanySM
0.78%
23.93%
12.73%
11.93%
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
0.73%
0.98%
0.07%
1.42%
Seeks high total investment return.
BlackRock Global Allocation V.I.
Fund — Class III#
BlackRock Advisors, LLC
Subadviser: BlackRock (Singapore)
Limited
1.01%
8.93%
5.72%
5.32%
Seeks capital appreciation and
current income.
AB Global Dynamic Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: AllianceBernstein L.P.
0.91%
7.31%
2.02%
3.69%
A-1
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2024)
1
Year
5
Year
10
Year
Seeks to maximize total return.
AB International Bond
Portfolio — Class B
Brighthouse Investment Advisers,
LLC
Subadviser: AllianceBernstein L.P.
0.86%
5.54%
-0.19%
 — 
Seeks growth of capital.
American Funds® Aggressive
Allocation Portfolio — Class C‡
Brighthouse Investment Advisers,
LLC
0.99%
14.57%
8.76%
8.81%
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%
11.60%
7.00%
7.21%
Seeks to achieve growth of capital.
American Funds® Growth
Portfolio — Class C
Brighthouse Investment Advisers,
LLC; Capital Research and
Management CompanySM
0.91%
31.23%
18.46%
16.22%
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
0.94%
9.12%
5.44%
5.78%
Seeks capital appreciation and
current income.
BlackRock Global Tactical
Strategies Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Financial
Management, Inc.
0.93%
5.80%
2.18%
3.96%
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%
8.19%
4.40%
5.01%
Seeks growth of capital.
Brighthouse Asset Allocation 100
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.98%
13.39%
8.97%
8.74%
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
1.00%
3.76%
1.41%
4.21%
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%
7.70%
4.40%
4.11%
A-2
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2024)
1
Year
5
Year
10
Year
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.
0.73%
4.69%
1.52%
1.64%
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
0.90%
0.40%
1.62%
3.13%
Seeks long-term capital
appreciation.
Harris Oakmark International
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Harris Associates L.P.
0.97%
-4.96%
1.60%
3.28%
Seeks total return.
Invesco Balanced-Risk Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.94%
4.00%
3.21%
4.05%
Seeks capital growth and income.
Invesco Comstock
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.82%
14.73%
11.42%
9.39%
Seeks capital appreciation.
Invesco Global Equity
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.83%
16.15%
9.43%
9.82%
Seeks long-term growth of capital.
Invesco Small Cap Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
1.07%
16.33%
7.19%
8.20%
Seeks capital appreciation and
current income.
JPMorgan Global Active Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.99%
5.29%
3.37%
4.49%
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%
12.30%
6.66%
8.07%
A-3
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2024)
1
Year
5
Year
10
Year
Seeks long-term growth of capital.
Loomis Sayles Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
0.80%
34.13%
18.04%
11.87%
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
0.66%
7.48%
2.45%
4.27%
Seeks capital appreciation.
MFS® Research International
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.89%
2.95%
3.87%
5.23%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.91%
38.93%
10.62%
12.02%
Seeks total return.
PanAgora Global Diversified Risk
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: PanAgora Asset
Management, Inc.
0.97%
4.11%
-0.72%
2.55%
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
1.06%
2.12%
1.85%
2.00%
Seeks capital appreciation and
current income.
Schroders Global Multi-Asset
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Schroder Investment
Management North America Inc.
0.95%
9.70%
2.76%
4.20%
Seeks to provide total return,
primarily through capital
appreciation.
SSGA Emerging Markets Enhanced
Index Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc
0.91%
11.13%
2.76%
 — 
A-4
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2024)
1
Year
5
Year
10
Year
Seeks growth of capital and income.
SSGA Growth and Income ETF
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc.
0.73%
10.80%
5.88%
5.98%
Seeks growth of capital.
SSGA Growth ETF
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc.
0.75%
12.72%
7.41%
7.15%
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%
11.11%
8.41%
8.45%
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%
9.78%
10.75%
8.31%
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
0.73%
0.22%
-1.18%
0.55%
Seeks long-term growth of capital.
Baillie Gifford International Stock
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Baillie Gifford Overseas
Limited
0.98%
4.36%
1.91%
5.27%
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
0.64%
1.24%
-0.30%
1.40%
Seeks long-term growth of capital.
BlackRock Capital Appreciation
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.81%
31.65%
15.71%
14.79%
A-5
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2024)
1
Year
5
Year
10
Year
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%
4.83%
2.09%
1.46%
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
0.91%
3.85%
2.11%
2.99%
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
0.90%
5.83%
3.75%
4.43%
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%
7.96%
5.57%
5.96%
Seeks growth of capital.
Brighthouse Asset Allocation 80
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.94%
10.80%
7.35%
7.46%
Seeks long-term capital
appreciation.
Brighthouse/Dimensional
International Small Company
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Dimensional Fund
Advisors LP
1.02%
3.08%
3.59%
5.46%
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%
8.37%
8.70%
9.88%
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
0.57%
0.61%
-0.90%
0.79%
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%
13.28%
9.72%
9.08%
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
0.68%
2.92%
4.15%
4.73%
A-6
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2024)
1
Year
5
Year
10
Year
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
0.61%
10.87%
6.94%
7.45%
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
0.51%
24.37%
13.95%
12.54%
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
0.81%
4.57%
0.75%
2.69%
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%
2.09%
-0.01%
0.93%
Seeks long-term capital
appreciation.
Contrafund® Portfolio — Service
Class 2
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK,
and FMR Japan
0.81%
33.45%
16.74%
13.33%
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
0.82%
17.18%
11.06%
8.94%
Seeks to maximize income while
maintaining prospects for capital
appreciation.
Franklin Income VIP
Fund — Class 2#
Franklin Advisers, Inc.
0.72%
7.20%
5.29%
5.27%
Seeks capital appreciation, with
income as a secondary goal.
Franklin Mutual Shares VIP
Fund — Class 2
Franklin Mutual Advisers, LLC
0.94%
11.27%
5.75%
5.83%
Seeks long-term total return.
Franklin Small Cap Value VIP
Fund — Class 2#
Franklin Mutual Advisers, LLC
0.90%
11.71%
8.36%
8.17%
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%
-11.37%
-4.85%
-2.03%
Seeks long-term growth of capital.
Janus Henderson Global Sustainable
Equity Portfolio — Service Shares#
Janus Henderson Investors US LLC
0.99%
11.01%
 — 
 — 
A-7
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2024)
1
Year
5
Year
10
Year
Seeks long-term capital
appreciation.
ClearBridge Variable Appreciation
Portfolio — Class II
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
0.95%
22.37%
12.50%
 — 
Seeks dividend income, growth of
dividend income and long-term
capital appreciation.
ClearBridge Variable Dividend
Strategy Portfolio — Class II
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
1.00%
16.69%
10.69%
10.47%
Seeks long-term growth of capital.
ClearBridge Variable Small Cap
Growth Portfolio — Class II
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
1.05%
4.23%
5.13%
7.66%
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 Pte. Ltd.
1.06%
6.70%
1.81%
3.45%
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.
1.01%
10.64%
9.02%
6.91%
#
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.
A-8
APPENDIX B
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
FlexChoice 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
SSGA Growth and Income 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
A minimum of 30% of Purchase Payments or
AB Global Dynamic Allocation Portfolio
AB International Bond Portfolio
American Funds Global Growth Fund
American Funds The Bond Fund of America
American Funds Global Small Capitalization Fund
BlackRock Bond Income Portfolio
American Funds Growth-Income 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
B-1
Platform 1
Platform 2
A maximum of 70% of Purchase Payments or
Account Value
A minimum of 30% of Purchase Payments or
Account Value
Baillie Gifford International Stock Portfolio
PIMCO Inflation Protected Bond Portfolio
BlackRock Capital Appreciation Portfolio
Templeton Global Bond VIP Fund
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 Appreciation Portfolio
 
ClearBridge Variable Dividend Strategy 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
 
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
 
B-2
Platform 1
Platform 2
A maximum of 70% of Purchase Payments or
Account Value
A minimum of 30% of Purchase Payments or
Account Value
Schroders Global Multi-Asset Portfolio
 
SSGA Emerging Markets Enhanced Index Portfolio
 
SSGA Growth and Income ETF Portfolio
 
SSGA Growth ETF Portfolio
 
T. Rowe Price Large Cap Value Portfolio
 
Victory Pioneer Mid Cap Value VCT Portfolio
 
Victory Sycamore Mid Cap Value Portfolio
 
 
FlexChoice GLWB (available for purchase prior to March 5, 2018) and the GLWB Death Benefit. For contracts issued with FlexChoice GLWB with or without the GLWB Death Benefit, you must allocate a minimum of 80% of your investments to Platform 1 and you may allocate a maximum of 20% of your investment to Platform 2 below. You select the amount to invest (by percentage) in the funds under the contract, but the amount of Purchase Payments or Account Value that you allocate to the groups identified below must comply with the specified minimums or maximums percentages for those groups. We will automatically rebalance your allocations quarterly. 
Platform 1
Platform 2
A minimum of 80% of your Purchase Payments
A maximum of 20% of Purchase Payments or
AB Global Dynamic Allocation Portfolio
American Funds® Balanced Allocation Portfolio
BlackRock Global Tactical Strategies Portfolio
American Funds® Moderate Allocation Portfolio
Brighthouse Balanced Plus Portfolio
Brighthouse Asset Allocation 20 Portfolio
Invesco Balanced-Risk Allocation Portfolio
Brighthouse Asset Allocation 40 Portfolio
JPMorgan Global Active Allocation Portfolio
Brighthouse Asset Allocation 60 Portfolio
MetLife Aggregate Bond Index Portfolio
SSGA Growth and Income ETF Portfolio
MetLife Multi-Index Targeted Risk Portfolio
 
PanAgora Global Diversified Risk Portfolio
 
Schroders Global Multi-Asset Portfolio
 
Western Asset Management Government Income Portfolio
 
B-3
 
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 the Separate Account 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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