Form 497VPI Brighthouse Separate

April 23, 2025 11:52 AM EDT
 
Brighthouse Retirement Account Annuity
ISSUED BY
BRIGHTHOUSE LIFE INSURANCE COMPANY
Summary Prospectus for New Investors
April 28, 2025
A Flexible Premium Variable Annuity Contract
This Summary Prospectus summarizes key features of Brighthouse Retirement Account Annuity Contract, a flexible premium variable annuity contract issued by Brighthouse Life Insurance Company (the “Company,” or “We,” “Us,” or “Our”), which is available on a group and individual basis. Before You invest, You should also review the prospectus for the Contract, which contains more information about the Contract’s features, benefits, and risks. You can find this document and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF85. You can also obtain this information at no cost by calling (833) 208-3018 or by sending an email request to [email protected].
* * * * * * * * * * * *
YOU MAY CANCEL YOUR CONTRACT WITHIN 10 DAYS OF RECEIVING IT WITHOUT PAYING
FEES OR PENALTIES.
If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.
* * * * * * * * * * * *
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.
Annuitant — a person on whose life the Maturity Date depends and Annuity Payments are made.
Annuity — payment of income for a stated period or amount.
Annuity Payments — a series of periodic payments (i) for life; (ii) for life with a minimum number of payments; (iii) for the joint lifetime of the Annuitant and another person, and thereafter during the lifetime of the survivor; or (iv) for a fixed period.
Annuity Period — the period following commencement of Annuity Payments.
Beneficiary(ies) — the person(s) or trustee designated to receive any remaining contractual benefits in the event of a Participant’s, Annuitant’s or Contract Owner’s death, as applicable.
Business Day — a day on which the New York Stock Exchange (“NYSE”) is open for business.
Cash Surrender Value— the Contract Value less any amounts deducted upon a withdrawal or surrender, outstanding loans, if available under the Contract, any applicable Premium Taxes or other surrender charges not previously deducted.
Code — the Internal Revenue Code of 1986, as amended, and all related laws and regulations that are in effect during the term of this Contract.
Contract — for convenience, means the Contract or Certificate (i.e., the document issued to Participants under a master group Contract). Any reference to the Contract includes the underlying Certificate unless the context provides otherwise.
Contract Date — the date on which the Contract is issued. For certain group Contracts, it is the date on which the Contract becomes effective, as shown on the specifications page of the Contract.
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 Your Accumulation Units less any reductions for administrative charges. An Accumulation Unit is an accounting unit of measure used to calculate Contract Values before Annuity Payments begin.
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 investment option, if available, is described in a separate prospectus.
Fixed Annuity — an Annuity payout option with payments which remain fixed as to dollar amount throughout the payment period and which do not vary with the investment experience of a Separate Account.
Funding Options — the variable investment options to which Purchase Payments under the Contract may be allocated. Funding Options are also referred to as “ Subaccounts.”
Good Order — A request or transaction generally is considered in “Good Order” if it complies with Our administrative procedures and the required information is complete and accurate. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by Us of the instructions relating to the requested transaction in writing (or, when permitted, by telephone or Internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. We may, in Our sole discretion, determine whether any particular transaction request is in Good Order , and We reserve the right to change or waive any Good Order requirement at any time. 
Home Office — the Home Office of Brighthouse Life Insurance Company, 11225 North Community House Road, Charlotte, NC 28277, or any other office that We may designate for the purpose of administering this Contract.  For detailed instructions on how to submit requests, elections, and inquiries, please see "Contract Owner Requests, Elections, and Inquiries" in the prospectus. Unless We designate a different office, the office that administers the Contract is located at P.O. Box 4261, Clinton, IA 52733-4261.
Maturity Date — The Maturity Date is the date on which Annuity Payments are to begin.
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Participant — an individual participating under a group Contract or an eligible person who is a member in the Plan.
Plan — for a group Contract, the Plan or the arrangement used in a retirement Plan or program whereby Purchase Payments and any gains are intended to qualify under Section 401 or 403 of the Code.
Premium Tax — the amount of tax, if any, charged by the state or municipality on Purchase Payments.
Purchase Payments — the premium payment(s) applied to the Contract.
Purchase Payment Conservation Credit — if, for an additional charge, You select the Optional Death Benefit, We will add a credit to Your Contract with each Purchase Payment in the form of Purchase Payment Conservation Credits.
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 in which You may invest through the Separate Account. May also be referred to as “Portfolio Company.”
Variable Annuity — an Annuity payout option providing for payments varying in amount in accordance with the investment experience of the assets held in the underlying securities of the Separate Account.
Written Request — written instructions or information sent to Us in a form and content satisfactory to Us and received in Good Order at Our Home Office.
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).
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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 years following a Purchase
Payment, You may be assessed a withdrawal charge of up to 5% of the
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 $5,000 on a $100,000 investment.
Fee Table and
Examples
 
Charges and
Deductions –
Withdrawal
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
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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
 
Appendix A:
Available Under
Annual Fee
Minimum
Maximum
Base Contract1
0.82%
0.82%
Investment options
(Portfolio Company fees
and expenses)2
0.28%
1.37%
Optional benefits
available for an
additional charge (for a
single optional benefit, if
elected)
0.45%3
0.45%3, 4
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.
3As a percentage of average daily net assets of the Separate Account. This is the charge for the
only optional benefit during the Accumulation Period.
4 During the Annuity Period, if You have elected the Variable Annuitization Floor Benefit, an
additional charge of up to 3.00% (as a percentage of average daily net assets of the Separate
Account ) will apply.
 
 
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
$1,150
Highest Annual Cost
$3,015
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
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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.
●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 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 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. At a minimum, We would always allow one
transfer every six months.
●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.
●If You participate through a retirement Plan, your Plan may limit your
Transfers
Optional Benefits
●If you elect the Variable Annuitization Floor Benefit, we limit or restrict
the investment options that You may select under the Contract during the
Annuity Period. We may change these restrictions in the future.
●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.
●You may select only certain Annuity options if exercising the Variable
Annuitization Floor Benefit.
●We may stop offering an optional benefit at any time for new sales.
● Purchase Payment Conservation Credits may not be included in the
calculation of the optional death benefit. Purchase Payments allocated to
●The availability of benefits may vary by employer or Plan administrator.
You should reference Your Plan documents or speak with Your employer
or Plan administrator for the benefits available to You.
 
Death Benefit –
Optional Death
Benefit and
Credit
 
Payment Options
– Variable
Annuitization
Floor Benefit
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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 59½.
Federal Tax
Considerations
 
Conflicts of Interest
 
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 –
Exchanges
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Overview of the Contract
Purpose. The Contract is a variable annuity contract, which is available on both a group and individual basis. It provides a means for investing on a tax-deferred basis in the Contract’s Funding Options and (if available) the Fixed Account, together “investment options.” The Contract is designed generally for an investor who intends to hold the Contract for a long period of time and then use the Contract Value (in the form of either withdrawals or Annuity Payments) for retirement saving or other long-term investment purposes. The Contract is used in connection with (1) individual non-qualified purchases; (2) rollovers from individual retirement annuities; (3) rollovers from other qualified retirement Plans; and (4) Beneficiary-directed transfers of death proceeds from another Contract. The Contract has various features and benefits that may be appropriate for You based on Your financial situation and objectives. The Contract also offers certain death benefit features, which can be used to transfer assets to Your Beneficiaries. If You are investing in this Contract through a Plan or individual retirement account, it does not provide any additional tax deferral benefits beyond those provided by the Plan or individual retirement account. Accordingly, if You are investing in this Contract through a Plan or individual retirement account, You should consider investing in the Contract for its death benefit, annuity option benefits or other non-tax related benefits. Your financial goal in acquiring the Contract should take into account the fact that there are withdrawal charges under the Contract. Because of the withdrawal charge (which is in effect for many years) and the possibility of income tax and tax penalties on early withdrawals, the Contract should not be viewed as an investment vehicle offering low cost liquidity. Your financial goal in acquiring the Contract should focus on a long-term insurance product, offering the prospect of investment growth.
Phases of the Contract. The Contract has two phases: The Accumulation Period and the Annuity Period. During the Accumulation Period, earnings accumulate on a tax-deferred basis and are taxed as income when You make a withdrawal. To help You accumulate assets during the Accumulation Period, You can invest Your Purchase Payments and Contract Value in: (1) Funding Options available under the Contract, each of which has an Underlying Fund with its own investment strategies and risks; investment adviser(s); expense ratio; and performance history; and, if available (2) the Fixed Account option, which guarantees principal and interest. The Fixed Account investment option is described in a separate prospectus.
A list of Underlying Funds in which You can invest is provided in Appendix A.
The Annuity Period occurs when You begin receiving Annuity Payments from Your Contract. All optional benefits from the Accumulation Period, including death benefits, terminate without value at the start of the Annuity Period. The amount of money You accumulate in Your Contract during the Accumulation Period factors into the amount of income You receive during the Annuity Period. You may choose one of a number of Annuity options: You may receive income payments in the form of a Variable Annuity , a Fixed Annuity, or a combination of both. In general, once the Annuity Period begins, You may no longer take withdrawals from the Contract. There is no death benefit during the Annuity Period; however, depending on the Annuity option You elect, any remaining guarantee upon death may be paid to Your Beneficiary(ies).
Contract Features. The following is a brief description of the Contract’s primary features.
Subject to Plan Terms.  If You participate through a retirement Plan or other group arrangement, the Contract may provide that all or some of Your rights or choices are subject to the Plan’s terms. For example, limitations on Your rights may apply to Funding Options, Purchase Payments , withdrawals, transfers, Plan loans, the death benefit and Annuity options.
Accessing Your Money. Before You annuitize the Contract, You can withdraw money from Your Contract at any time. If You take a withdrawal, You may have to pay a withdrawal charge and/or income taxes, including a tax penalty if You are younger than age 59½.
Tax Treatment. You can transfer money among investment options without tax implications, and earnings (if any) on Your investments are generally tax-deferred. You are only subject to tax upon: (1) making a withdrawal; (2) receiving a payment from Us; or (3) payment of a death benefit.
Death Benefits. The Contract includes, at no additional cost, a Standard Death Benefit that will pay a death benefit to Your Beneficiary(ies) if You die during the Accumulation Period. The Standard Death Benefit is equal to at least the Contract Value (less any amounts due), and may be greater under certain circumstances. For an additional charge, You may select the Optional Death Benefit, which may increase the amount of money payable to Your designated Beneficiary(ies) upon Your death compared to the Standard Death Benefit.
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Variable Annuitization Floor Benefit. At the beginning of the Annuity Period , if You have selected the Variable Annuitization Floor Benefit for an additional charge, Your Variable Annuity Payments will never be less than a certain percentage of Your first Variable Annuity Payments, regardless of the performance of the Funding Options You selected.
Additional Services and Features.
•
Bonus Credits. We may apply bonus credits under the Contract. Expenses for a variable annuity contract with bonus credits may be higher than for a contract without such credits. The amount of any bonus credits may be more than offset by the higher fees and charges associated with the credits.
•
Purchase Payment Conservation Credits. If, for an additional charge, You select the Optional Death Benefit, We will add a credit to Your Contract Value for each Purchase Payment You make. Purchase Payment Conservation Credits are not considered part of Purchase Payments for purposes of calculating the death benefit. Purchase Payments allocated to the Fixed Account are not eligible for Purchase Payment Conservation Credits.
•
Annuitization Credit. A credit is added to Contract Value that is applied to an Annuity option. The credit equals 0.5% of Your Contract Value if You annuitize during Contract Years 2-5, 1% during Contract Years 6-10, and 2% after Contract Years 10. There is no credit applied to Contracts held less than 1 year.
•
Dollar Cost Averaging Program. This program allows You to systematically transfer a set amount from a Funding Option or the Fixed Account (if available) to one or more Funding Options on a monthly or quarterly basis.
•
Systematic Withdrawal Program and Managed Distribution Program. The Systematic Withdrawal Program allows you to receive regular automatic withdrawals from your Contract either monthly, quarterly, semi-annually, or annually. You may use the Managed Distribution Program to take required minimum distributions that may be required by the IRS.
•
Liquidity Benefit. Subject to availability, if You elect an eligible Annuity option that guarantees payments for a minimum period of time, you may exercise the Liquidity Benefit during the Annuity Period. This benefit allows You to take withdrawals during the Annuity Period based on the present value of Your remaining Annuity Payments. The Liquidity Benefit is described in a separate prospectus.
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Benefits Available Under the Contract
The following table summarizes information about the benefits under the Contract. 
Name of
Benefit
Purpose
Standard
or
Optional
Maximum
Fee
Brief Description of
Restrictions /
Limitations
Dollar Cost
Averaging
(DCA)
Program
Allows You to
systematically transfer a set
amount from a Funding
Option or the Fixed
Account (if available) to
one or more Funding
Options on a monthly or
quarterly basis
Standard
No Charge
●Available only during the
●Must have a minimum
$5,000 to enroll
●Minimum transfer
amount is $400
●Fixed Account Value
must not be depleted in
less than 12 months from
date of enrollment
Systematic
Withdrawal
Program
Allows You to receive
regular automatic
withdrawals from Your
Contract
Standard
No Charge
●Each payment must be at
least $100
●Withdrawals may only
be on a monthly,
quarterly, semi-annual,
or annual basis
●Must have a minimum
total Contract Value of
$15,000 to enroll
●Must provide at least
30 days’ notice to
change instructions
●Upon 30-day written
notice, We may
discontinue this feature
at any time.
●We reserve the right to
charge a processing fee
in the future (if We do
so, We will inform You in
writing 30 days in
advance)
Managed
Distribution
Program
Allows You to
automatically take
minimum distributions
from Your Contract that
may be required by the IRS
Standard
No Charge
●Payments will not be
subject to the
withdrawal charge and
will be in lieu of the free
withdrawal allowance
●Cannot also enroll in the
Dollar Cost Averaging
Program
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Name of
Benefit
Purpose
Standard
or
Optional
Maximum
Fee
Brief Description of
Restrictions /
Limitations
Nursing Home
Confinement
Rider
Allows You to surrender or
make a withdrawal without
incurring a withdrawal
charge if the Annuitant
begins confinement in an
eligible nursing home
Standard
No Charge
●Must own Contract for at
least one year
●Annuitant must be
confined for at least
90 days
●Confinement must be
prescribed by a
physician and be
medically necessary
●Terminates on Maturity
●Not available for
older on the Contract
●Not available under
Section 457 Plans
●Not available in all states
Annuitization
Credits
Provides a credit to
Contract Value applied to
an Annuity option
Standard
No Charge
Available only after the first
●The credit equals 0.5%
of Your Contract Value if
You annuitize during
6-10, and 2% after
Standard
Death Benefit
Provides a death benefit at
least equal to Contract
Value (less any amounts
due). Depending on the
age of the Annuitant on the
Contract Date , the death
benefit may be the greater
of (i) Contract Value or (ii)
adjusted for any
withdrawals
Standard
No Charge
Withdrawals may
proportionately reduce the
benefit and such
reductions could be
significant
●Amount payable
depends on multiple
factors, such as type of
Contract, age at time of
and prior withdrawals
●Calculation of the death
benefit varies depending
on the Annuitant’s age
any, are only included as
part of the Contract
Value in any death
benefit calculation
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Name of
Benefit
Purpose
Standard
or
Optional
Maximum
Fee
Brief Description of
Restrictions /
Limitations
Optional
Death Benefit
Provides a death benefit at
least equal to Contract
Value (less any amounts
due). Depending on the
age of the Annuitant on the
Contract Date , the death
benefit may be the greater
of (i) Contract Value ; (ii)
adjusted for any
withdrawals; and/or
(iii) the applicable Step-Up
death benefit value.
Optional
0.45% (as a
percentage of
average daily net
assets of the
●Withdrawals may
proportionately reduce
the benefit and such
reductions could be
significant
●Amount payable
depends on multiple
factors, such as type of
Contract, age at time of
and prior withdrawals
●Calculation of the death
benefit varies depending
on the Annuitant’s age
●Death benefit is the
same as the Standard
Death Benefit if the
Annuitant is age 76 or
older on the Contract
Provides a credit to Your
2% of each Purchase
Optional
N/A
(Built into charge
for the Optional
Death Benefit)
●Available if the Optional
Death Benefit has been
elected
allocated to the Fixed
Account are not eligible
for credits
●The amount of credits
may be more than offset
by the higher fees and
charges associated with
the credits
any, are only included as
part of the Contract
Value in any death
benefit calculation
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Name of
Benefit
Purpose
Standard
or
Optional
Maximum
Fee
Brief Description of
Restrictions /
Limitations
Variable
Annuitization
Floor Benefit
Guarantees that Your
will never be less than a
certain percentage of Your
Payment regardless of the
performance of the
Optional
3.00% during the
a percentage of
average daily net
assets of the
●Benefit may not be
available at all times,
and is offered only with
certain Annuity options
●Not available under
Section 457 Plans
●Not available if You are
over age 80
●Benefit subject to
Funding Option
selection restrictions
●Guarantee percentage
will be set at time of
election, but will never
be less than 50%
Each of these benefits are discussed more fully in the prospectus, as follows: the Dollar Cost Averaging program is discussed in the prospectus section entitled “Transfers;” the Systematic Withdrawal Program is discussed in the prospectus section entitled “Access to Your Money;” the Managed Distribution Program is discussed in the prospectus section entitled, “Access to Your Money;” the Nursing Home Confinement Rider is discussed in Appendix F to the prospectus; the Standard Death Benefit and the Optional Death Benefit are discussed in the prospectus section entitled “Death Benefit;” Purchase Payment Conservation Credits are discussed in the prospectus section entitled “The Annuity Contract;” and the Variable Annuitization Floor Benefit is discussed in the prospectus section entitled “Payment Options.”
The availability of benefits may vary by employer or Plan administrator. You should reference Your Plan documents or
speak with Your employer or Plan administrator for the benefits available to You.
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Buying the Contract
Purchasing the Contract
The Contract is used in connection with 401(k) Plans, 403(b) Plans, Non-Qualified Plans, Traditional IRAs, Roth IRAs, and Simplified Employee Pensions (SEPs).
We no longer actively offer the Contractss to new purchasers, but We continue to accept new Participants under existing Contractss previously issued to Plans. We issue individual Certificates to Participants under a Plan’s Contract. We refer to both Contracts and Certificates as “Contracts” unless the context provides otherwise. If Your Plan has the Contract and You are interested in becoming a Participant, please contact Your Plan trustee or administrator.
The Contract is available for purchase to owners and Annuitants age 80 or under.
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 becomes effective. Subsequent Purchase Payments may be made at any time during the Accumulation Period, subject to certain limitations.
The initial Purchase Payment must be at least $20,000. Each additional Purchase Payment must be at least $5,000. We may refuse to accept total Purchase Payments over $1,000,000. Your ability to make Purchase Payments may also be restricted by law and may be subject to Plan requirements.
Allocation of Purchase Payments
We will allocate Your Purchase Payments to one or more of the Funding Options and/or, if available, to the Fixed Account in accordance with Your instructions.
Crediting Purchase Payments to Your Account
Initial Purchase Payment. We will apply the initial Purchase Payment less any applicable Premium Tax within two Business Days after We receive it at Our Home Office in Good Order. If Your request or other information accompanying the initial Purchase Payment is incomplete when received, We will hold the Purchase Payment for up to five Business Days. If We cannot obtain the necessary information within five Business Days of Our receipt, We will return the Purchase Payment in full, unless You specifically consent for Us to keep it until You provide the necessary information.
Subsequent Purchase Payments. We will credit subsequent Purchase Payments to a Contract on the same Business Day We receive it, if received in Good Order by Our Home Office prior to close of regular trading on the New York Stock Exchange (typically 4:00 p.m. Eastern Time). If We receive the Purchase Payment in Good Order after close of the New York Stock Exchange, We will credit the Purchase Payment to the Contract on the next Business Day. If Purchase Payments on Your behalf are not submitted to Us in a timely manner or in Good Order, there may be a delay in when amounts are credited.
We will provide You with the address of the office to which Purchase Payments are to be sent. If You send Purchase Payments or transaction requests to an address other than the one We have designated for receipt of such Purchase Payments or requests, they will not be in Good Order. We may return the Purchase Payment to You, or there may be a delay in applying the Purchase Payment or transaction to Your Contract.
Making Withdrawals: Accessing the Money in Your Contract
During the Accumulation Period, We will pay upon request all or any portion of Your Cash Surrender Value to the Contract Owner or to You, as provided in the Plan. A Contract Owner’s account may be surrendered for cash without the consent of any Participant, as provided in the Plan.
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To the extent that the amount withdrawn is subject to a withdrawal charge, the charge will be assessed as a percentage of the Purchase Payments withdrawn. Beginning in the second Contract Year, You may withdraw up to 20% of the Contract Value annually without the imposition of any applicable withdrawal charges. We refer to this as Your free withdrawal allowance. We calculate the free withdrawal allowance as of the end of the previous Contract Year. There is no free withdrawal allowance in the first Contract Year.
There are limitations on Your ability to take withdrawals during the Accumulation Period. These limitations are as follows: 
Withdrawal Charges and Taxes
There may be withdrawal charges and tax implications
when You take out money.
Negative impact on benefits and guarantees of Your
A withdrawal may have a negative impact on certain
benefits and guarantees that You may elect. It may
significantly reduce the value or even terminate the
benefit.
Internal Revenue Code or Retirement Plan
Depending on the circumstances, the Internal Revenue
Code or Your retirement plan may restrict Your ability to
take withdrawals.
During the Annuity Period, You will receive Annuity Payments under the Annuity option You select; however, You generally may not take any withdrawals, either full or partial. We may offer a Liquidity Benefit if You select an Annuity option that guarantees You payments for a minimum period of time (“period certain”). Please see the separate prospectus for the Liquidity Benefit for more information.
We will calculate your Annuity Payments by applying your Contract Value to the type of Annuity you select, Fixed, Variable or a combination of both, and the Annuity option you select.
Requesting a Withdrawal
You can request to withdraw all or part of Your Cash Surrender Value by submitting a request to Our Home Office. We will treat Your request as received by Us if We receive the request in Good Order before the close of regular trading on the New York Stock Exchange on that day. If We receive the request in Good Order after the close of trading on the New York Stock Exchange on that day, or if the New York Stock Exchange is not open that day, then the request will be treated as received on the next day when the New York Stock Exchange is open.
The Contract Owner may redeem all or any portion of the Cash Surrender Value any time before the Maturity Date . Unless You submit a Written Request specifying the Fixed Account or Funding Option(s) from which We are to withdraw amounts, We will make the withdrawal on a pro rata basis. The Cash Surrender Value will be determined as of the close of business after We receive Your surrender request at Our Home Office in Good Order. The Cash Surrender Value may be more or less than the Purchase Payments You made. See “Access to Your Money” in the prospectus for more details.
Surrender and withdrawal payments will generally be mailed within seven days after We receive the request.
16
Additional Information About Fees
The following tables describe the fees and expenses that You will pay when buying, owning, and surrendering, or making withdrawals from the Contract. Please refer to Your Contract specifications page for information about the specific fees You will pay each year based on the options You have selected.
The first table describes the fees and expenses that You will pay at the time that You buy the Contract, surrender the Contract, make withdrawals from the Contract, or transfer Contract Value between investment options. State premium taxes of 0% to 3.5% may also be deducted.
Transaction Expenses 
Withdrawal Charge (1)
5.00%
(as a percentage of Purchase Payments and any applicable Purchase Payment Conservation
Credits withdrawn)
 
Transfer Charge (2)(per transfer)
$10
$0 (First 12 per year)
(1)
The withdrawal charge only applies during the Accumulation Period. The withdrawal charge declines to zero after the Purchase Payment has been in the Contract for 5 years. The charge is as follows: 
Years Since Purchase Payment Made
Withdrawal Charge
Greater than or Equal to
But less than
 
0 years
1 years
5%
1 years
2 years
4%
2 years
3 years
3%
3 years
4 years
2%
4 years
5 years
1%
5 + years
 
0%
(2)
We do not currently assess the transfer charge.
The next table describes the fees and expenses that You will pay each year during the time that You own the Contract, not including Underlying Fund fees and expenses. If You choose to purchase an optional benefit, You will pay additional charges, as shown below.
Annual Contract Expenses 
Base Contract Charge(1)
0.80%
(as a percentage of average daily net assets of the Separate Account)
 
Optional Benefit Charges(2)
 
Optional Death Benefit
0.45%
(as a percentage of average daily net assets of the Separate Account)
 
(1)
We call this the "Mortality and Expense Risk Charge" in Your Contract as well as in other places in the prospectus. We will waive a portion of this charge in connection with investments in certain Subaccounts . See the “Charges and Deductions” section of the prospectus under the sub-heading "Mortality and Expense Risk Charge”.
(2)
During the Annuity Period, if You have elected the Variable Annuitization Floor Benefit, an additional charge of up to 3.00% (as a percentage of average daily net assets of the Separate Account) will apply. See the "Charges and Deductions” section of the prospectus under the sub-heading “Variable Annuitization Floor Benefit”.
The next table shows the minimum and maximum total operating expenses charged by the Underlying Funds that You may pay periodically during the time that You own the Contract. A complete list of Underlying Funds available under the Contract , including their annual expenses, may be found in Appendix A.
17
Annual Underlying Fund Expenses 
 
Minimum
Maximum
Total Annual Underlying Fund Expenses
 
 
(expenses that are deducted from Underlying Fund assets, including management fees,
distribution and/or service (12b-1) fees, and other expenses)
0.28%
1.37%
Example
These examples are intended to help You compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include Transaction Expenses, Annual Contract Expenses, and Annual Underlying Fund Expenses.
These examples assume that You invest $100,000 in the Contract for the time periods indicated and that Your investment has a 5% return each year. These examples also assume the election of the most expensive optional benefit available for an additional charge during the Accumulation Period. These examples also assume that You have allocated all of Your Contract Value to either the Underlying Fund with the Maximum Total Annual Underlying Fund Expenses or the Underlying Fund with the Minimum Total Annual Underlying Fund Expenses. Although your actual costs may be higher or lower, based on these assumptions your cost would be: 
 
If Contract is surrendered at the
end of period shown:
If Contract is NOT surrendered or
annuitized at the end of period shown:
Funding Option
1 year
3 years
5 years
10 years
1 year
3 years
5 years
10 years
Underlying Fund with Maximum Total Annual Operating
Expenses
 
$7,673
$11,378
$15,600
$32,732
$2,673
$8,378
$14,600
$32,732
Underlying Fund with Minimum Total Annual Operating
Expenses
 
$7,020
$9,371
$12,174
$25,479
$2,020
$6,371
$11,174
$25,479
18
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/BHF85. You can also request this information at no cost by calling (833) 208-3018 or sending an email request to [email protected]. Depending on the optional benefits You choose, You may not be able to select certain Underlying Funds. See Appendix B: Underlying Funds Available Under the Benefits Offered Under the Contract. 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%
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 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 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 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 A#
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
0.82%
16.59%
7.46%
8.47%
Seeks long-term capital
growth.
JPMorgan Small Cap Value Portfolio —
Class A#
Brighthouse Investment Advisers, LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.77%
9.20%
8.70%
7.00%
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 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
0.81%
2.53%
2.12%
2.26%
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 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%
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 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 A#
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
0.37%
5.11%
2.34%
1.68%
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 with some
current income.
Brighthouse/Wellington Balanced
Portfolio — Class A
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management
Company LLP
0.52%
13.86%
8.40%
8.39%
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 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%
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 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%
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 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 capital appreciation.
Macquarie VIP Small Cap Value Series —
Standard Class
Delaware Management Company
Subadvisers: Macquarie Funds
Management HK Ltd.; Macquarie
Investment Management Global Limited
0.74%
11.32%
7.15%
7.60%
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
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
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%
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 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 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%
Seeks to maximize total
return, consistent with
prudent investment
management and liquidity
needs, by investing to
obtain a dollar weighted
average effective duration
that is normally within 30%
of the average duration of
the domestic bond market
as a whole.
Western Asset Core Plus VIT Portfolio —
Class I
Legg Mason Partners Fund Advisor, LLC
Subadvisers: Western Asset Management
Company, LLC; Western Asset
Management Company Limited; Western
Asset Management Company Ltd;
Western Asset Management Company
Pte. Ltd.
0.52%
-0.42%
-1.16%
1.47%
A-5
#
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.
A-6
Appendix B
Underlying Funds Available Under the Benefits Offered Under the Contract
If You have elected the Variable Annuitization Floor Benefit under the Contract, Your Underlying Fund selections are subject to restrictions during the Annuity Period. Otherwise, Your Contract is not subject to any Underlying Fund selection restrictions.
Underlying Fund Selection Restrictions for the Variable Annuitization Floor Benefit
If You elect this benefit, then during the Annuity Period, You cannot select any Underlying Funds other than those listed below.
•
MFS® Value Portfolio
•
BlackRock Bond Income Portfolio
•
Western Asset Management U.S. Government Portfolio
B-1
 
THIS PAGE INTENTIONALLY LEFT BLANK.
 
THIS PAGE INTENTIONALLY LEFT BLANK.
 
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/BHF85.
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 C000068747

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