Form 497VPU Brighthouse Separate

April 22, 2026 8:46 AM EDT
 
Portfolio Architect Plus Annuity
ISSUED BY
BRIGHTHOUSE LIFE INSURANCE COMPANY
Updating Summary Prospectus
April 27, 2026
A Flexible Premium Deferred Variable Annuity Contract
The prospectus for Portfolio Architect Plus Annuity  (the "Contract"), a flexible deferred premium variable annuity contract issued by Brighthouse Life Insurance Company (the “Company,” “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/BHF104. You can also obtain this information at no cost by calling (888) 243-1932 or by sending an email request to [email protected]. We no longer actively offer the Contracts to new purchasers.
The Contract includes Purchase Payment Credits (also referred to as "bonus credits"). Expenses for variable annuity contracts with bonus credits may be higher than for other contracts without such credits. The amount of Purchase Payment Credits under the Contract may be more than offset by the higher fees and charges associated with the credits.
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 the adequacy of this prospectus. Any representation to the contrary is a criminal offense.
Glossary
Contract Owner (you) — the person named in the Contract (on the specifications page) as the owner of the Contract.
Contract Value — Purchase Payments, plus any associated Purchase Payment Credits, plus or minus any investment experience on the amounts allocated to the Variable Funding Options or interest on amounts allocated to the Fixed Account, adjusted by any applicable charges and withdrawals.
Contract Years — twelve month periods beginning with the date of Contract issuance.
Fixed Account — an account that consists of all of the assets under this Contract other than those in the Separate Account. The Fixed Account is part of the general assets of the Company.
Purchase Payment — the premium payment(s) applied to the Contract, less any premium taxes (if applicable).
Purchase Payment Credit — an amount credited to your Contract Value that equals a percentage of each Purchase Payment made.
Separate Account — a segregated account registered with the Securities and Exchange Commission (SEC), 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.
Underlying Fund — a portfolio of an open-end management investment company, that is registered with the SEC, in which a Subaccount invests. May also be referred to as “Portfolio Company.”
Variable Funding Option — a Subaccount of the Separate Account (i.e., a portion of the assets of the Separate Account) that invests in an Underlying Fund.
You, your — The Contract Owner and a natural person, a trust established for the benefit of a natural person or a charitable remainder trust.
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 28, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.
On November 6, 2025, Brighthouse Financial (“BHF”) and Aquarian Capital LLC (“Aquarian”) announced that they had entered into a definitive agreement under which an affiliate of Aquarian will acquire BHF. This transaction is subject to the satisfaction or waiver of customary closing conditions, including receipt of applicable regulatory approvals. Subject to such approvals and the satisfaction or waiver of the other conditions, the transaction is expected to be consummated in 2026.
Upon the consummation of the transaction, Aquarian will become the ultimate parent of BHF and BLIC will remain an indirect wholly-owned subsidiary of BHF. Although Aquarian will replace BHF as BLIC’s ultimate parent, BLIC will continue in its present role as the issuer of your contract. All of your rights and benefits under your contract and BLIC’s obligations under the contract will remain unchanged.
Founded in 2017, Aquarian Capital is a diversified global holding company with a strategic portfolio of insurance and asset management solutions. Aquarian is headquartered in New York, NY.
Underlying Fund Reorganization. Each of the following Former Underlying Funds has been reorganized into the New Underlying Funds. 
Former Underlying Funds
New Underlying Funds
Legg Mason Partners Variable Equity Trust
Lincoln Variable Insurance Products Trust
ClearBridge Variable Appreciation Portfolio
LVIP ClearBridge Appreciation Fund
ClearBridge Variable Large Cap Growth Portfolio
LVIP ClearBridge Large Cap Growth Fund
ClearBridge Variable Large Cap Value Portfolio
LVIP ClearBridge Large Cap Value Fund
3
 
Portfolio Name Change. Certain Underlying Funds were subject to a name change. The chart below identifies the former name and new name of the Underlying Funds. 
Former Name
New Name
Legg Mason Partners Variable Equity Trust
Lincoln Variable Insurance Products Trust
SSGA Emerging Markets Enhanced Index Portfolio
State Street Emerging Markets Enhanced Index Portfolio
 
4
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 9 full Contract Years following a
Purchase Payment, you may be assessed a withdrawal charge of up to 8% of
the Purchase Payment and any associated Purchase Payment Credits
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
 
Charges and
Deductions –
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 Underlying Funds and the Fixed Account.
Transfer Charge. 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
 
Charges and
Deductions –
Transfer Charge
5
 
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
 
Charges and
Deductions
 
Appendix A:
Investment
Options Available
Under the
Contract
Annual Fee
Minimum
Maximum
Base Contract1
1.57%
1.57%
Underlying Fund fees
and expenses2
0.40%
1.13%
Optional benefits
available for an
additional charge (for a
single optional benefit, if
elected)
0.15%3
0.50%4
1 As a percentage of average daily net assets of the Separate Account. The charge shown also
includes the annual Contract administrative charge.
2 As a percentage of fund assets before temporary expense reimbursements and/or fee
waivers.
3 As a percentage of average daily net assets of the Separate Account. This charge is the
current charge for the least expensive optional benefit.
4 As a percentage of average daily net assets of the Separate Account. 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
$1,795
Highest Annual Cost
$3,436
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive Underlying Fund
fees and expenses
●No optional benefits
●No Purchase Payment Credits
●No sales charges
●No additional Purchase Payments,
transfers, loans, or withdrawals
●Investment of $100,000
●5% annual appreciation
●Most expensive combination of
optional benefits and
Underlying Fund fees and
expenses
●No Purchase Payment Credits
●No sales charges
●No additional Purchase
Payments, transfers, loans, or
withdrawals
6
 
Risks
Location in
Prospectus
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 the
Contract
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 9 years
following a Purchase Payment. Withdrawal charges will reduce the value
of your Contract if you withdraw money during that time period.
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., 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 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), or 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 the
Company, including our financial strength ratings, is available by
contacting us at (888) 243-1968.
Principal Risks of
Investing in the
Contract
 
Restrictions
 
Are There Any
Restrictions on
the Investment
Options?
●Yes.
●The Fixed Account is currently not available for new investments, except
through our Special Dollar Cost Averaging Program.
●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 Underlying Funds
available as investment options under the Contract.
●The availability of the Underlying Funds may vary depending on the
selling firm through which your Contract is sold.
Transfers
 
Appendix C:
Fixed Account
 
Appendix E: State
and Financial
Intermediary
Variations
7
 
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 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.
●Withdrawals will reduce the value of the death benefit, perhaps
significantly.
●You must select a specific annuity option to exercise the Variable
Liquidity Benefit during the annuity period.
●Purchase Payment Credits may not be included in the calculation of a
living or death benefit, including the standard death benefit.
●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.
Benefits Available
Under the
Contract
 
Death Benefit 
Living Benefits
 
Payment Options
– Variable
Liquidity Benefit
 
Appendix B:
Underlying Funds
Available Under
the Benefits
Offered Under
the Contract
 
Appendix E: State
and 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 59½.
Federal Tax
Considerations
 
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.
Other
Information –
Exchanges
8
Appendix A
Investment Options 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/BHF104. 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 Underlying Funds. See Appendix B: Underlying Funds Available Under the Benefits Offered Under the Contract.
The availability of the Underlying Funds may vary depending on the selling firm through which your Contract is sold. See Appendix E: State and Financial Intermediary Variations.
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 12/31/2025)
1
Year
5
Year
10
Year
Seeks long-term growth of
capital.
American Funds Global Growth Fund —
Class 2#
Capital Research and Management
CompanySM
0.65%
21.62%
8.23%
12.17%
Seeks growth of capital.
American Funds Growth Fund — Class 2
Capital Research and Management
CompanySM
0.58%
20.24%
13.37%
17.97%
Seeks long-term growth of
capital and income.
American Funds Growth-Income Fund
— Class 2
Capital Research and Management
CompanySM
0.53%
18.06%
13.90%
13.92%
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%
9.15%
4.94%
6.62%
Seeks growth of capital.
Brighthouse Asset Allocation 100
Portfolio — Class B‡
Brighthouse Investment Advisers, LLC
0.96%
17.06%
8.63%
10.70%
Seeks long-term capital
appreciation.
Brighthouse Small Cap Value Portfolio —
Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Allspring Global
Investments, LLC
1.03%
-3.21%
6.43%
8.07%
Seeks long-term capital
appreciation.
Brighthouse/Wellington Large Cap
Research Portfolio — Class E#
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management
Company LLP
0.69%
15.74%
12.14%
13.45%
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 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
0.66%
7.11%
4.30%
4.22%
Seeks long-term capital
appreciation.
Harris Oakmark International Portfolio —
Class A#
Brighthouse Investment Advisers, LLC
Subadviser: Harris Associates L.P.
0.72%
33.17%
6.72%
7.01%
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 A#
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
0.74%
6.17%
-0.66%
9.27%
Seeks long-term capital
growth.
JPMorgan Small Cap Value Portfolio —
Class A#
Brighthouse Investment Advisers, LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.79%
12.48%
9.93%
9.09%
Seeks long-term growth of
capital.
Loomis Sayles Growth Portfolio —
Class A#
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company,
L.P.
0.55%
15.21%
15.06%
14.19%
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 maximum real return,
consistent with preservation
of capital and prudent
investment management.
PIMCO Inflation Protected Bond
Portfolio — Class A
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment
Management Company LLC
1.13%
7.93%
1.40%
3.35%
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
0.83%
8.90%
-0.07%
2.30%
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%
—
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 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 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%
12.16%
10.39%
10.20%
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 competitive total
return primarily from
investing in fixed-income
securities.
BlackRock Bond Income Portfolio —
Class A#
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
0.38%
7.95%
-0.17%
2.38%
Seeks long-term growth of
capital.
BlackRock Capital Appreciation Portfolio
— Class A#
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
0.56%
13.19%
11.07%
15.80%
Seeks a high level of current
income consistent with
prudent investment risk and
preservation of capital.
BlackRock Ultra-Short Term Bond
Portfolio — Class A#
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
0.37%
4.15%
3.09%
2.10%
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 with some
current income.
Brighthouse/Wellington Balanced
Portfolio — Class A
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management
Company LLP
0.52%
12.67%
7.45%
9.41%
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 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%
7.83%
8.29%
10.73%
Seeks maximum capital
appreciation.
Frontier Mid Cap Growth Portfolio —
Class D#
Brighthouse Investment Advisers, LLC
Subadviser: Frontier Capital Management
Company, LLC
0.79%
5.08%
3.68%
10.04%
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 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%
10.89%
6.20%
7.44%
Seeks capital appreciation.
MFS® Value Portfolio — Class A#
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial
Services Company
0.58%
13.29%
10.11%
10.27%
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%
-4.57%
2.86%
9.12%
Seeks high total return,
consisting principally of
capital appreciation.
Neuberger Berman Genesis Portfolio —
Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Neuberger Berman
Investment Advisers LLC
1.06%
-4.74%
2.62%
8.86%
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%
15.45%
9.37%
14.10%
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%
10.00%
5.48%
10.60%
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
0.57%
9.07%
1.42%
4.03%
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 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%
7.07%
0.59%
1.82%
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 capital appreciation.
Dynamic Capital Appreciation Portfolio
— Service Class 2††
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and FMR
Japan
0.98%
18.49%
13.38%
14.58%
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 long-term capital
growth.
Templeton Foreign VIP Fund — Class 2#
Templeton Investment Counsel, LLC
1.08%
29.19%
8.25%
5.75%
Seeks long-term growth of
capital.
ClearBridge Variable Small Cap Growth
Portfolio — Class I
Legg Mason Partners Fund Advisor, LLC
Subadviser: ClearBridge Investments,
LLC
0.81%
9.23%
-0.17%
9.38%
Seeks long-term capital
appreciation.
LVIP ClearBridge Appreciation Fund —
Class I#
Legg Mason Partners Fund Advisor, LLC
Subadviser: ClearBridge Investments,
LLC
0.70%
14.50%
12.72%
13.34%
Seeks long-term growth of
capital.
LVIP ClearBridge Large Cap Growth
Fund — Class I#
Legg Mason Partners Fund Advisor, LLC
Subadviser: ClearBridge Investments,
LLC
0.74%
8.62%
10.57%
14.46%
Seeks long-term growth of
capital as its primary
objective. Current income
is a secondary objective.
LVIP ClearBridge Large Cap Value Fund
— Class I#
Legg Mason Partners Fund Advisor, LLC
Subadviser: ClearBridge Investments,
LLC
0.72%
10.20%
10.11%
10.01%
#
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.
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 a dollar cost averaging program and instruct us to make transfers to or from the
A-5
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.
The Fixed Account is not available for new investments at this time except through our Special Dollar Cost Averaging Program. 
Name
Term (Guarantee Period)
Guaranteed Minimum Interest Rate
Fixed Account
12 months
3%
A-6
Appendix B
Underlying Funds 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 restrictions, as reflected below. See “Living Benefits” in the prospectus for more details. If your optional benefit is not identified
below, your Contract is not currently subject to any investment restrictions. 
Investment Restrictions for GMWB II and GMWB III
We reserve the right to restrict allocations to one or more Variable Funding Options or limit the percentage of Contract Value that may be allocated to any Variable Funding Option at any time. We also reserve the right to require periodic rebalancing of Contract Value allocated to Variable Funding Options according to specified percentages. We will provide no less than 30 days’ advance written notice if we exercise our right to restrict or limit allocations to one or more Variable Funding Options and/or require periodic rebalancing between Variable Funding Options.
Investment Restrictions for GMAB
If you own the GMAB rider, you are required to allocate at least 20% of your Contract Value and Purchase Payments to one or more of the “Class B” Variable Funding Options. You may allocate up to 80% in one or more of the “Class A” Variable Funding Options.
 
Class B - At Least 20%
BlackRock Bond Income Portfolio — Class A
BlackRock High Yield Portfolio — Class A
PIMCO Inflation Protected Bond Portfolio — Class A
PIMCO Total Return Portfolio — Class B
Western Asset Management Strategic Bond Opportunities
Portfolio — Class A
Class A - Up to 80%
American Funds Global Growth Fund — Class 2
American Funds Growth Fund — Class 2
American Funds Growth-Income Fund — Class 2
BlackRock Capital Appreciation Portfolio — Class A
BlackRock Ultra-Short Term Bond Portfolio — Class A
Brighthouse Asset Allocation 100 Portfolio — Class B
Brighthouse Asset Allocation 20 Portfolio — Class B
Brighthouse Asset Allocation 40 Portfolio — Class B
Brighthouse Asset Allocation 60 Portfolio — Class B
Brighthouse Asset Allocation 80 Portfolio — Class B
Brighthouse Small Cap Value Portfolio — Class B
Brighthouse/Wellington Balanced Portfolio — Class A
Brighthouse/Wellington Core Equity Opportunities
Portfolio — Class A
Brighthouse/Wellington Large Cap Research Portfolio —
Class E
CBRE Global Real Estate Portfolio — Class A
ClearBridge Variable Small Cap Growth Portfolio —
Class I
Contrafund® Portfolio — Service Class 2
Frontier Mid Cap Growth Portfolio — Class D
Harris Oakmark International Portfolio — Class A
Invesco Comstock Portfolio — Class B
Invesco Global Equity Portfolio — Class B
Invesco Small Cap Growth Portfolio — Class A
JPMorgan Small Cap Value Portfolio — Class A
Loomis Sayles Growth Portfolio — Class A
LVIP ClearBridge Appreciation Fund — Class I
LVIP ClearBridge Large Cap Growth Fund — Class I
LVIP ClearBridge Large Cap Value Fund — Class I
MetLife Stock Index Portfolio — Class B
MFS® Total Return Portfolio — Class F
MFS® Value Portfolio — Class A
Mid Cap Portfolio — Service Class 2
Neuberger Berman Genesis Portfolio — Class B
T. Rowe Price Large Cap Growth Portfolio — Class B
T. Rowe Price Large Cap Value Portfolio — Class B
T. Rowe Price Small Cap Growth Portfolio — Class B
Templeton Foreign VIP Fund — Class 2
Victory Sycamore Mid Cap Value Portfolio — Class B
Western Asset Management U.S. Government Portfolio —
Class A
B-1
 
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/BHF104.
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 C000016182

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