Form 497VPU Brighthouse Separate

April 23, 2025 12:10 PM EDT
Gold Track Select
Supplement Dated April 28, 2025 to the
Gold Track Select Prospectus
Dated April 28, 2025
The following information supplements the Gold Track Select variable annuity prospectus for Brighthouse Separate Account Eleven for Variable Annuities issued by Brighthouse Life Insurance Company, dated April 28, 2025 (the “Prospectus”). It should be read in its entirety and kept together with Your Prospectus for future reference.
This supplement provides information regarding additional Underlying Funds that may be available under the Gold Track Select Contract. The information in this supplement applies only to the following Plans:
Carnegie Hall
St Mary’s Hospital
Hartford Hospital
Roane County Board of Education
School District of Philadelphia
1

Charges and Deductions
The following is added to the list of Subaccounts for which We waive expenses under “Base Contract Charge - Mortality and Expense Risk Charge”:
We waive an amount of the M&E charge equal to the following Underlying Fund expenses that are in excess of:
0.85% for the Subaccount investing in the Loomis Sayles Global Allocation Portfolio of the Brighthouse Funds Trust I; and
0.62% for the Subaccount investing in the Invesco Global Equity Portfolio of the Brighthouse Funds Trust I
Restrictions on Transfers
The following Underlying Funds are added to the list of Monitored Portfolios under “Transfers – Restrictions on Transfers”:
High Income Portfolio
Invesco Global Equity Portfolio
Loomis Sayles Global Allocation Portfolio
2

Appendix A – Underlying Funds Available Under the Contract
The following is added to “Appendix A – Underlying Funds Available Under the Contract”:
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 capital appreciation.
Invesco Global Equity Portfolio —
Class A#
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
0.58%
16.42%
9.71%
10.10%
Seeks high total investment
return through a
combination of capital
appreciation and income.
Loomis Sayles Global Allocation
Portfolio — Class A#
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company,
L.P.
0.79%
12.51%
6.92%
8.33%
Seeks reasonable income.
The fund will also consider
the potential for capital
appreciation. The fund’s
goal is to achieve a yield
which exceeds the
composite yield on the
securities comprising the
S&P 500® Index.
Equity-Income Portfolio — Initial Class
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and FMR
Japan
0.47%
15.35%
10.08%
9.21%
Seeks a high level of current
income, while also
considering growth of
capital.
High Income Portfolio — Initial Class#
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and FMR
Japan
0.81%
8.97%
2.74%
4.17%
#
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.
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UNDERLYING FUNDS WITH DIFFERENT LEGAL AND MARKETING NAMES
The following is added under “Appendix B – Underlying Funds with Different Legal and Marketing Names”:
Series Fund/Trust
Underlying Fund Legal Name
Marketing Name
Fidelity® Variable Insurance Products
Equity-Income Portfolio
Fidelity VIP Equity-Income Portfolio
Fidelity® Variable Insurance Products
High Income Portfolio
Fidelity VIP High Income Portfolio

COMPETING FUND
The following is added as a Competing Fund under “Appendix D – Competing Funds”:
Fidelity High Income Portfolio
Book 16AApril 28, 2025
B-1



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