Form 497VPU Brighthouse Variable

April 23, 2025 12:10 PM EDT
 
The Fixed And Variable Annuity
issued by
Brighthouse Life Insurance Company
and
Brighthouse Variable Annuity Account C
 
COVA VARIABLE ANNUITY, FIRSTAR SUMMIT VARIABLE ANNUITY, PREMIER ADVISOR VARIABLE ANNUITY, DESTINY SELECT VARIABLE ANNUITY, PREVAIL VARIABLE ANNUITY
 
Updating Summary Prospectus
April 28, 2025
A flexible premium deferred variable annuity contract
 
The prospectus for the Cova Variable Annuity, Firstar Summit Variable Annuity, Premier Advisor Variable Annuity, Destiny Select Variable Annuity, and Prevail Variable Annuity (the “contracts”), flexible premium deferred variable annuity contracts issued by Brighthouse Life Insurance Company (“BLIC”, the “Company”, or “we” or “us”), is available and contains more information about the contracts including their features, benefits, and risks. You can find the current prospectus and other information about the contracts online at https://dfinview.com/BHF/PUFT/BHF236 for Cova Variable Annuity, https://dfinview.com/BHF/PUFT/BHF148 for Firstar Summit Variable Annuity, https://dfinview.com/BHF/PUFT/BHF149 for Premier Advisor Variable Annuity, https://dfinview.com/BHF/PUFT/BHF147 for Destiny Select Variable Annuity and https://dfinview.com/BHF/PUFT/BHF150 for Prevail Variable Annuity. You can also obtain this information at no cost by calling (800) 343-8496 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
Accumulation Phase. The period under a contract in which earnings accumulate on a tax-deferred basis.
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 or Variable Investment Portfolios. The means of investing offered to owners in various underlying fund portfolios. May also be referred to as “Portfolio Company.”
Purchase Payment. A Purchase Payment is the money you give us to invest in your contract.
Separate Account. We have established Brighthouse Variable Annuity Account C to hold the assets that underlie the contracts other than assets in the Fixed Account.
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 Affecting the Investment Portfolios
Portfolio Name Change. An Investment Portfolio was subject to a name change. The chart below identifies the former name and new name of this Investment Portfolio. 
Former Name
New Name
Brighthouse Funds Trust I
Brighthouse Funds Trust I
Brighthouse/abrdn Emerging Markets Equity 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
Portfolio Addition. As a result of the merger described above, the SSGA Emerging Markets Enhanced Index Portfolio has been added to the 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 full years following a purchase
payment, you may be assessed a withdrawal charge of 5% of the purchase
payment withdrawn.
For example, if you make an early withdrawal, you could pay a withdrawal
charge of up to $5,000 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.
Fee Table and
Examples
 
Expenses
 
Appendix A:
Available
Under the
Contract
Annual Fee
Minimum
Maximum
Base contract1
1.43%
1.43%
Investment options
(portfolio company fees and
expenses)2
0.40%
1.10%
1 As a percentage of average account value in the Separate Account. The charge shown also
includes the contract maintenance charge.
2 As a percentage of 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 withdrawal charges
that substantially increase costs.
Lowest Annual Cost
$1,670
Highest Annual Cost
$2,138
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive portfolio company fees
and expenses
●No additional purchase payments,
transfers, or withdrawals
●No sales charges
●Investment of $100,000
●5% annual appreciation
●Most expensive portfolio
company fees and expenses
●No additional purchase
payments, transfers, or
withdrawals
●No sales charges
 
 
Risks
 
Risk of Loss
You can lose money by investing in this contract, including loss of principal.
Principal Risks
of Investing in
the Contract
4
 
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 5 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 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., variable investment portfolios).
●Each investment option, including the fixed account, has its own unique
risks.
●You should review the prospectuses for the available funds and the
prospectus disclosure concerning the fixed account before making an
investment decision.
Principal Risks
of Investing in
the Contract
Insurance
Company Risks
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 BLIC, including our
financial strength ratings, is available by contacting us at (888) 243-1968.
Principal Risks
of Investing in
the Contract
 
Restrictions
 
Investments
●Certain investment portfolios may not be available depending on the
version of the contract that you purchased.
●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 investment portfolios
available as investment options under the contract.
Investment
Options
 
Appendix B:
Available by
Contract
Version
 
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 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 –
Compensation
Paid to Selling
Firms
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
5
 
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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/BHF236 for Cova Variable Annuity, https://dfinview.com/BHF/PUFT/BHF148 for Firstar Summit Variable Annuity, https://dfinview.com/BHF/PUFT/BHF149 for Premier Advisor Variable Annuity, https://dfinview.com/BHF/PUFT/BHF147 for Destiny Select Variable Annuity and https://dfinview.com/BHF/PUFT/BHF150 for Prevail Variable Annuity. You can also request this information at no cost by calling (800) 343-8496 or sending an email request to [email protected]. Depending on the version of the contract that you purchased, you may not be able to invest in certain investment portfolios. See Appendix B: Investment Portfolios Available By Contract Version.
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 long-term growth of capital.
Invesco V.I. EQV International
Equity Fund — Series I#
Invesco Advisers, Inc.
0.90%
0.62%
3.23%
4.36%
Seeks long-term capital appreciation.
Brighthouse Small Cap Value
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Allspring Global
Investments, LLC
0.83%
8.40%
7.27%
8.09%
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%
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 A#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.58%
16.42%
9.71%
10.10%
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%
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 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 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 capital appreciation.
MFS® Research International
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.64%
3.17%
4.12%
5.49%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.66%
39.34%
10.89%
12.29%
Seeks maximum total return,
consistent with the preservation of
capital and prudent investment
management.
PIMCO Total Return
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Pacific Investment
Management Company LLC
0.59%
2.73%
0.11%
1.68%
Seeks to provide total return,
primarily through capital
appreciation.
SSGA Emerging Markets Enhanced
Index Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc
0.66%
11.41%
3.02%
 — 
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 A#
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.53%
11.37%
8.69%
8.72%
Seeks long-term growth of capital.
T. Rowe Price Mid Cap Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
Sub-Subadviser: T. Rowe Price
Investment Management, Inc.
0.94%
9.31%
7.65%
10.11%
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 high total return by investing
in equity securities of mid-sized
companies.
Victory Sycamore Mid Cap Value
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Victory Capital
Management Inc.
0.60%
10.10%
11.03%
8.59%
Seeks long-term growth of capital.
Baillie Gifford International Stock
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Baillie Gifford Overseas
Limited
0.73%
4.62%
2.16%
5.53%
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 A#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.39%
1.51%
-0.05%
1.66%
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 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 A#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.37%
5.11%
2.34%
1.68%
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 long-term growth of capital.
Jennison Growth
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.54%
30.28%
17.53%
16.37%
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.
Jennison Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.79%
30.00%
17.24%
16.08%
Seeks a favorable total return
through investment in a diversified
portfolio.
MFS® Total Return
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.62%
7.78%
6.16%
6.51%
Seeks capital appreciation.
MFS® Value Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.83%
11.66%
7.96%
8.61%
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 A#
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.56%
30.31%
13.40%
13.89%
Seeks long-term capital growth.
T. Rowe Price Small Cap Growth
Portfolio — Class A
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.51%
13.47%
8.32%
10.10%
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 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 to provide capital growth.
Growth Opportunities
Portfolio — Initial Class
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.57%
38.89%
18.76%
18.22%
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 1#
Templeton Investment Counsel,
LLC
0.81%
-0.79%
2.86%
2.64%
Seeks capital growth and current
income.
Putnam VT Large Cap Value
Fund — Class IB
Putnam Investment Management,
LLC
0.80%
19.14%
12.45%
10.88%
#
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 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-5
 
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APPENDIX B
Investment Portfolios Available by Contract Version
Certain investment portfolios listed in Appendix A may not be available under your contract depending on which version of the contract you purchased. The following lists the investment portfolios available by contract version.
If you purchased the COVA VARIABLE ANNUITY, the following portfolios are available:
Brighthouse Funds Trust I
Invesco Comstock Portfolio — Class B
Invesco Global Equity Portfolio — Class B
MFS® Research International Portfolio — Class A
Morgan Stanley Discovery Portfolio — Class A
PIMCO Total Return Portfolio — Class A
T. Rowe Price Large Cap Value Portfolio — Class A
Victory Sycamore Mid Cap Value Portfolio — Class A
Brighthouse Funds Trust II
BlackRock Bond Income Portfolio — Class B
BlackRock Ultra-Short Term Bond Portfolio — Class A
Brighthouse/Wellington Core Equity Opportunities Portfolio — Class A
Jennison Growth Portfolio — Class B
MFS® Total Return Portfolio — Class A
MFS® Value Portfolio — Class B
Neuberger Berman Genesis Portfolio — Class A
T. Rowe Price Small Cap Growth Portfolio — Class A
Western Asset Management Strategic Bond Opportunities Portfolio — Class A
Putnam Variable Trust — Class IB
Putnam VT Large Cap Value Fund
Closed Portfolios For This Product
Invesco V.I. EQV International Equity Fund — Series I
Invesco Global Equity Portfolio — Class A
Loomis Sayles Growth Portfolio — Class B
T. Rowe Price Mid Cap Growth Portfolio — Class B
Baillie Gifford International Stock Portfolio — Class B
BlackRock Capital Appreciation Portfolio — Class A
T. Rowe Price Large Cap Growth Portfolio — Class A
Templeton Foreign VIP Fund — Class 1
If you purchased the FIRSTAR SUMMIT VARIABLE ANNUITY, the following portfolios are available:
AIM Variable Insurance Funds (Invesco Variable Insurance Funds) — Series I
Invesco V.I. EQV International Equity Fund
Brighthouse Funds Trust I — Class A
MFS® Research International Portfolio
PIMCO Total Return Portfolio
SSGA Emerging Markets Enhanced Index Portfolio
T. Rowe Price Large Cap Value Portfolio
Brighthouse Funds Trust II — Class A
Baillie Gifford International Stock Portfolio
BlackRock Ultra-Short Term Bond Portfolio
Jennison Growth Portfolio
Neuberger Berman Genesis Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
Franklin Templeton Variable Insurance Products Trust — Class 1
Templeton Foreign VIP Fund
Closed Portfolios For This Product
BlackRock Capital Appreciation Portfolio — Class A
If you purchased the PREMIER ADVISOR VARIABLE ANNUITY, the following portfolios are available:
AIM Variable Insurance Funds (Invesco Variable Insurance Funds) — Series I
Invesco V.I. EQV International Equity Fund
Brighthouse Funds Trust I — Class A
CBRE Global Real Estate Portfolio
Invesco Global Equity Portfolio
Loomis Sayles Growth Portfolio
MFS® Research International Portfolio
Morgan Stanley Discovery Portfolio
PIMCO Total Return Portfolio
SSGA Emerging Markets Enhanced Index Portfolio
T. Rowe Price Large Cap Value Portfolio
Victory Sycamore Mid Cap Value Portfolio
Brighthouse Funds Trust II — Class A
BlackRock Bond Income Portfolio
BlackRock Ultra-Short Term Bond Portfolio
Brighthouse/Wellington Core Equity Opportunities Portfolio
Jennison Growth Portfolio
Neuberger Berman Genesis Portfolio
T. Rowe Price Large Cap Growth Portfolio
T. Rowe Price Small Cap Growth Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
B-1
Fidelity® Variable Insurance Products — Initial Class
Equity-Income Portfolio
Growth Opportunities Portfolio
Franklin Templeton Variable Insurance Products Trust — Class 1
Templeton Foreign VIP Fund
Closed Portfolios For This Product
BlackRock Capital Appreciation Portfolio — Class A
If you purchased the DESTINY SELECT VARIABLE ANNUITY, the following portfolios are available:
AIM Variable Insurance Funds (Invesco Variable Insurance Funds) — Series I
Invesco V.I. EQV International Equity Fund
Brighthouse Funds Trust I — Class A
CBRE Global Real Estate Portfolio
Invesco Global Equity Portfolio
Loomis Sayles Growth Portfolio
MFS® Research International Portfolio
Morgan Stanley Discovery Portfolio
PIMCO Total Return Portfolio
SSGA Emerging Markets Enhanced Index Portfolio
T. Rowe Price Large Cap Value Portfolio
Victory Sycamore Mid Cap Value Portfolio
Brighthouse Funds Trust II — Class A
Brighthouse/Wellington Core Equity Opportunities Portfolio
Jennison Growth Portfolio
Neuberger Berman Genesis Portfolio
T. Rowe Price Large Cap Growth Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
Fidelity® Variable Insurance Products — Initial Class
Equity-Income Portfolio
Growth Opportunities Portfolio
Franklin Templeton Variable Insurance Products Trust — Class 1
Templeton Foreign VIP Fund
Closed Portfolios For This Product
Brighthouse Small Cap Value Portfolio — Class A
BlackRock Capital Appreciation Portfolio — Class A
T. Rowe Price Small Cap Growth Portfolio — Class A
If you purchased the PREVAIL VARIABLE ANNUITY, the following portfolios are available:
AIM Variable Insurance Funds (Invesco Variable Insurance Funds) — Series I
Invesco V.I. EQV International Equity Fund
Brighthouse Funds Trust I — Class A
MFS® Research International Portfolio
Morgan Stanley Discovery Portfolio
PIMCO Total Return Portfolio
T. Rowe Price Large Cap Value Portfolio
Victory Sycamore Mid Cap Value Portfolio
Brighthouse Funds Trust II — Class A
BlackRock Bond Income Portfolio
BlackRock Ultra-Short Term Bond Portfolio
Brighthouse/Wellington Core Equity Opportunities Portfolio
Jennison Growth Portfolio
Neuberger Berman Genesis Portfolio
T. Rowe Price Large Cap Growth Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
Fidelity® Variable Insurance Products — Initial Class
Equity-Income Portfolio
Growth Opportunities Portfolio
Closed Portfolios For This Product
BlackRock Capital Appreciation Portfolio — Class A
B-2
  
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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/BHF236 for Cova Variable Annuity, https://dfinview.com/BHF/PUFT/BHF148 for Firstar Summit Variable Annuity, https://dfinview.com/BHF/PUFT/BHF149 for Premier Advisor Variable Annuity, https://dfinview.com/BHF/PUFT/BHF147 for Destiny Select Variable Annuity and https://dfinview.com/BHF/PUFT/BHF150 for Prevail Variable Annuity.
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 C000151846

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