Form 497VPU Brighthouse Separate
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Unallocated Group Variable Annuity
ISSUED BY
BRIGHTHOUSE LIFE INSURANCE COMPANY
Updating Summary Prospectus
April 28, 2025
The prospectus for Unallocated Group Variable Annuity
, a
flexible premium variable annuity contract
issued by Brighthouse Life Insurance Company
(the Company, or We, Us, or Our), 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/BHF122. You can also obtain this information at no cost by calling (833) 208-3018 or by sending an email request to
[email protected]. We no longer actively offer the Contracts to new purchasers, but We continue to accept new
Participants under existing Contracts previously issued to Plans.
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 the adequacy of this prospectus. Any representation to the contrary is a criminal offense.
Glossary
Accumulation Period — the
period before the commencement of Annuity
payments.
Annuity — payment of income for a stated
period or amount.
Annuity Period — the period
following commencement of Annuity
payments.
Contract — for convenience, means
the Contract or Certificate (if applicable). For example, Contract Year also means Certificate Year.
Contract Owner — the person named in the Contract (on the specifications page). For certain group Contracts
, the Contract Owner is the trustee or other entity which owns the Contract
.
Contract Value — the value of the
Accumulation Units in Your Account (or a Participant’s Individual Account, if applicable) less any reductions for administrative charges (hereinafter referred to in this
prospectus as Contract
Value).
Contract Year — twelve-month periods
beginning with the Contract Date, or any
anniversary thereof.
Fixed Account — an account that consists of all of the assets under the
Contract other than those in the Separate Account. The Fixed Account is part of the general assets of the Company.
Funding Options -- the variable
investment options to which Purchase Payments under the Contract may be allocated. Funding Options
are also referred to as “Subaccounts
.”
Purchase Payments — the premium payment(s) applied to the Contract
, less any Premium Taxes (if applicable).
Separate Account — a segregated
account, the assets of which are invested solely in the Underlying Funds. The assets of the Separate Account are held exclusively for the benefit of
Contract Owners.
Subaccount – that portion of the assets
of a Separate Account that is
allocated to a particular Underlying Fund. Subaccounts are also referred to as "Funding Options."
Underlying Fund — a portfolio
of an open-end management investment company that is registered with the Securities and Exchange Commission (the “SEC”) in which the
Subaccounts invest. May also be referred to as "Portfolio Company."
You, Your — “You,”
depending on the context, may be the Certificate holder, the Participant or the Contract Owner and a natural person, a trust established for the benefit of a natural person or a charitable remainder
trust, or a Plan (or the employer purchaser who has purchased the Contract
on behalf of the Plan).
Updated Information You Should Consider About the
Contract
Changes Affecting the Underlying Funds
Underlying Fund Reorganization/Merger. Effective on or about September 6, 2024, the ClearBridge Small Cap
Value Fund of the Legg Mason Partners Investment Trust was reorganized and merged into the ClearBridge Small Cap Fund of the Legg Mason Global Asset Management Trust, and became an available funding option under your Contract.
3
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 5
Contract Years (or the first 8
Contract Years
if the Contract was issued before May 24, 2005), You may be
assessed a surrender charge of up to 5%, as a percentage of the amount
withdrawn. For example, if You make an early withdrawal, You could pay a surrender
charge of up to $5,000 on a $100,000 investment. |
Fee Table and
Examples Charges and
Deductions –
Surrender Charge | |||
| Transaction
Charges |
In addition to charges for early withdrawals, You may also be charged for
other transactions. There may be taxes on
Purchase Payments. Transfer Fee. Currently, We do not charge for transfers. However, We reserve the right to charge for transfers after the first 12 transfers per year. |
Fee Table and
Examples Charges and
Deductions | |||
| 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 Charges and
Deductions | |||
| Annual Fee |
Minimum |
Maximum | |||
| Base Contract1 |
1.55% |
1.55% | |||
| Investment options
(Portfolio Company fees
and expenses)2 |
0.28% |
1.37% | |||
| 1 As a percentage of average daily net assets of the
Separate Account. 2 As a percentage of Underlying
Fund assets before temporary expense reimbursements and/or
fee waivers. | |||||
| 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 surrender charges that substantially increase costs. | |||||
| Lowest Annual Cost
$1,650 |
Highest Annual Cost
$2,542 | ||||
| Assumes: |
Assumes: | ||||
| ●Investment of $100,000 ●5% annual appreciation ●Least expensive Portfolio Company fees and expenses ●No additional
Purchase Payments,
transfers, or withdrawals |
●Investment of $100,000 ●5% annual appreciation ●Most expensive Portfolio Company fees and expenses | ||||
4
| |
Risks |
Location in
Prospectus | |||
| Risk of Loss |
You can lose money by investing in this Contract, including loss of
principal. |
Principal Risks of
Investing in the
Contract | |||
| 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. ●Surrender charges may apply for the first 5 years of the Contract (or 8 years for Contracts issued before May 24, 2005). Surrender charges will
reduce the value of Your Contract if You withdraw money during that time
period. ●The benefits of tax deferral also mean the Contract is more beneficial to
investors with a long time horizon. |
Principal Risks of
Investing in the
Contract | |||
| 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., Underlying Funds). ●Each investment option, including the Fixed Account, has its own unique
risks. ●You should review the prospectuses for the available Underlying Funds
and the prospectus disclosure for the
Fixed Account before making an
investment decision. |
Principal Risks of
Investing in the
Contract | |||
| 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 Brighthouse Life Insurance Company, including Our financial
strength ratings, is available by contacting Us at (888)
243-1968. |
Principal Risks of
Investing in the
Contract | |||
| |
Restrictions |
| |||
| Investments |
●Currently, We allow unlimited transfers without charge among investment options during the Accumulation Period. However, We reserve the right
to impose a charge for transfers in excess of 12 per year. ●We reserve the right to limit the number of transfers in circumstances of
frequent or large transfers. ●Transfers to and from the Fixed Account are subject to special limitations. ●We reserve the right to remove or substitute the Underlying Funds that
are available as investment options under the Contract. |
Transfers | |||
| Optional Benefits |
●You must select a specific Annuity option to exercise the Variable
Liquidity Benefit during the
Annuity Period. ● We may stop offering this optional benefit at any time for new sales. |
Payment Options
– Variable
Liquidity Benefit | |||
| |
Taxes |
| |||
| 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 59½. |
Federal Tax Considerations | |||
5
| |
Conflicts of Interest |
Location in
Prospectus | |||
| Investment
Professional
Compensation |
Investment professionals may receive compensation for selling this Contract
in the form of commissions, additional cash benefits (e.g.,
bonuses), and non-cash compensation. This conflict of interest may
influence an investment professional to recommend this Contract
over another investment for which the investment professional is
not compensated or compensated less. |
Other
Information –
Distribution of
the Contracts | |||
| 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. |
Other Information – Distribution of the Contracts | |||
6
Appendix A
Underlying Funds Available Under the Contract
The following is a list of Underlying
Funds under the Contract. More information about the Underlying
Funds is available in the prospectuses for the
Underlying Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF122. You can
also request this information at no cost by calling (833) 208-3018 or sending an email request to [email protected]. Availability of
Underlying Funds may vary by employer or
Plan administrator. You should reference
Your Plan documents or speak with Your
employer or Plan administrator for the
Underlying Funds available to
You.
The current expenses and performance information below reflects
fees and expenses of the Underlying Funds, 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 Underlying Fund’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 long-term growth of
capital. |
American Funds Global Growth Fund — Class 2# Capital Research and Management CompanySM
|
0.66% |
13.68% |
9.76% |
10.74% |
| Seeks growth of capital. |
American Funds Growth Fund — Class 2
Capital Research and Management
CompanySM |
0.59% |
31.61% |
18.83% |
16.58% |
| Seeks long-term growth of
capital and income. |
American Funds Growth-Income Fund — Class 2
Capital Research and Management
CompanySM |
0.53% |
24.23% |
13.01% |
12.20% |
| Seeks to maximize total
return, consistent with
income generation and
prudent investment
management. |
BlackRock High Yield Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: BlackRock Financial
Management, Inc. |
0.63% |
8.42% |
4.67% |
5.28% |
| Seeks growth of capital. |
Brighthouse Asset Allocation 100 Portfolio — Class
B‡ Brighthouse Investment Advisers, LLC |
0.98% |
13.39% |
8.97% |
8.74% |
| Seeks long-term capital
appreciation. |
Brighthouse Small Cap Value Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Allspring Global
Investments, LLC |
1.08% |
8.10% |
7.00% |
7.82% |
| Seeks long-term capital
appreciation. |
Brighthouse/Wellington Large Cap Research Portfolio —
Class E# Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company LLP |
0.69% |
21.51% |
13.34% |
12.29% |
| Seeks total return through
investment in real estate
securities, emphasizing
both capital appreciation
and current income. |
CBRE Global Real Estate Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: CBRE Investment
Management Listed Real Assets LLC |
0.65% |
0.66% |
1.87% |
3.38% |
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 long-term capital
appreciation. |
Harris Oakmark International Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: Harris Associates L.P.
|
0.72% |
-4.73% |
1.84% |
3.53% |
| 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 E# Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc.
|
0.73% |
16.26% |
9.54% |
9.93% |
| Seeks long-term growth of
capital. |
Loomis Sayles Growth Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company,
L.P. |
0.55% |
34.47% |
18.33% |
12.15% |
| Seeks maximum total
return, consistent with the
preservation of capital and
prudent investment
management. |
PIMCO Total Return Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Pacific Investment
Management Company LLC |
0.84% |
2.43% |
-0.14% |
1.43% |
| 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 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 E†† Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates,
Inc. |
0.68% |
11.18% |
8.52% |
8.55% |
| 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 competitive total
return primarily from
investing in fixed-income
securities. |
BlackRock Bond Income Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC
|
0.39% |
1.51% |
-0.05% |
1.66% |
| Seeks long-term growth of
capital. |
BlackRock Capital Appreciation Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC
|
0.56% |
31.99% |
16.00% |
15.07% |
| Seeks a high level of current
income consistent with
prudent investment risk and
preservation of capital. |
BlackRock Ultra-Short Term Bond Portfolio — Class E# Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC
|
0.52% |
4.95% |
2.19% |
1.55% |
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, 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 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 A# Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company LLP |
0.62% |
8.61% |
8.97% |
10.16% |
| Seeks maximum capital
appreciation. |
Frontier Mid Cap Growth Portfolio — Class D# Brighthouse Investment Advisers, LLC Subadviser: Frontier Capital Management
Company, LLC |
0.79% |
17.64% |
8.45% |
9.80% |
| Seeks long-term growth of
capital. |
Jennison Growth Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Jennison Associates LLC
|
0.79% |
30.00% |
17.24% |
16.08% |
| Seeks to track the
performance of the
Bloomberg U.S. Aggregate
Bond Index. |
MetLife Aggregate Bond Index Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment
Management, LLC |
0.27% |
0.89% |
-0.61% |
1.09% |
| Seeks to track the
performance of the MSCI
EAFE® Index. |
MetLife MSCI EAFE® Index Portfolio — Class A Brighthouse
Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.38% |
3.32% |
4.47% |
5.04% |
| Seeks to track the
performance of the Russell
2000® Index. |
MetLife Russell 2000® Index Portfolio — Class A Brighthouse
Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.31% |
11.29% |
7.27% |
7.78% |
| Seeks to track the
performance of the
Standard & Poor’s 500®
Composite Stock Price
Index. |
MetLife Stock Index Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment
Management, LLC |
0.26% |
24.67% |
14.23% |
12.82% |
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 a favorable total
return through investment
in a diversified portfolio. |
MFS® Total Return Portfolio — Class F# Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial
Services Company |
0.82% |
7.57% |
5.94% |
6.29% |
| Seeks capital appreciation. |
MFS® Value Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial
Services Company |
0.58% |
11.91% |
8.23% |
8.89% |
| Seeks high total return,
consisting principally of
capital appreciation. |
Neuberger Berman Genesis Portfolio — Class A# Brighthouse Investment Advisers, LLC Subadviser: Neuberger Berman
Investment Advisers LLC |
0.81% |
9.10% |
8.58% |
9.70% |
| Seeks long-term growth of
capital. |
T. Rowe Price Large Cap Growth Portfolio — Class
B# Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates,
Inc. |
0.81% |
29.98% |
13.12% |
13.61% |
| Seeks long-term capital
growth. |
T. Rowe Price Small Cap Growth Portfolio — Class
B Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates,
Inc. |
0.76% |
13.20% |
8.05% |
9.82% |
| Seeks to maximize total
return consistent with
preservation of capital. |
Western Asset Management Strategic Bond Opportunities Portfolio
— Class A# Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management Company LLC |
0.56% |
4.88% |
1.01% |
2.95% |
| Seeks to maximize total
return consistent with
preservation of capital and
maintenance of liquidity. |
Western Asset Management U.S. Government Portfolio
— Class A# Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management Company LLC |
0.50% |
2.34% |
0.24% |
1.19% |
| 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 long-term capital
growth. |
Franklin Small-Mid Cap Growth VIP Fund — Class 2# Franklin Advisers, Inc. |
1.08% |
11.04% |
9.75% |
9.32% |
| Seeks long-term capital
appreciation. |
Templeton Developing Markets VIP Fund — Class 2# Templeton Asset Management Ltd. Subadviser: Franklin Templeton
Investment Management Limited |
1.36% |
7.67% |
0.88% |
3.98% |
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 long-term capital
growth. |
Templeton Foreign VIP Fund — Class 2# Templeton Investment Counsel, LLC |
1.06% |
-1.00% |
2.60% |
2.38% |
| Seeks long-term growth of
capital. |
Janus Henderson Enterprise Portfolio — Service Shares
Janus Henderson Investors US LLC |
0.97% |
15.32% |
9.61% |
12.12% |
| Seeks long-term growth of
capital. |
ClearBridge Small Cap Fund — Class A# Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments,
LLC |
1.07% |
7.49% |
4.04% |
4.90% |
| Seeks to maximize total
return, consistent with
prudent investment
management. Total return
consists of income and
capital appreciation. |
Western Asset Corporate Bond Fund — Class A Legg Mason
Partners Fund Advisor, LLC Subadviser: Western Asset Management Company, LLC |
0.89% |
1.98% |
0.04% |
2.40% |
| Seeks long-term capital
appreciation. |
ClearBridge Variable Appreciation Portfolio — Class
I Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments,
LLC |
0.70% |
22.65% |
12.78% |
11.99% |
| Seeks dividend income,
growth of dividend income
and long-term capital
appreciation. |
ClearBridge Variable Dividend Strategy Portfolio — Class
I Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments,
LLC |
0.75% |
16.85% |
10.85% |
10.64% |
| Seeks capital appreciation. |
ClearBridge Variable Growth Portfolio — Class I^ Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments,
LLC |
0.87% |
12.80% |
6.10% |
5.95% |
| Seeks long-term growth of
capital. |
ClearBridge Variable Large Cap Growth Portfolio — Class
I Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments,
LLC |
0.74% |
27.89% |
14.75% |
14.58% |
| Seeks long-term growth of
capital as its primary
objective. Current income
is a secondary objective. |
ClearBridge Variable Large Cap Value Portfolio — Class
I Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments,
LLC |
0.72% |
8.08% |
9.11% |
8.63% |
| Seeks long-term growth of
capital. |
ClearBridge Variable Small Cap Growth Portfolio — Class
I Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments,
LLC |
0.80% |
4.50% |
5.39% |
7.93% |
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 to maximize total
return. |
Western Asset Variable Global High Yield Bond Portfolio — Class
I Legg Mason Partners Fund Advisor, LLC Subadvisers: Western Asset Management
Company, LLC; Western Asset
Management Company Limited; Western
Asset Management Pte. Ltd. |
0.81% |
7.06% |
2.06% |
3.71% |
#
Certain Underlying Funds and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in
the Current Expenses. Please see the Underlying Funds' prospectuses for additional information regarding these arrangements.
‡
This Underlying Fund is a fund of funds and invests substantially all of its assets in other underlying funds. Because the
Underlying Fund
invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including the management fee.
††
Closed to new
investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.
A-6
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 (833) 208-3018 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/BHF122.
Reports and other information about the
Separate Account are available on the SEC’s website at http://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 C000075312
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