Form 497VPU Brighthouse Variable

April 22, 2026 8:46 AM 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 27, 2026
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].
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 contracts 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 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 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, Inc. (“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.
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
SSGA Emerging Markets Enhanced Index Portfolio
State Street Emerging Markets Enhanced Index Portfolio
3
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 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. This loss will be greater if
there are taxes or tax penalties.
Fee Table and
Examples
 
Expenses –
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 variable investment portfolios and the fixed account.
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
4
 
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 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:
Investment
Options
Available
Under the
Contract
Annual Fee
Minimum
Maximum
Base contract1
COVA – 1.43%
FIRSTAR SUMMIT
– 1.43%
PREMIER ADVISOR
– 1.43%
DESTINY SELECT
– 1.43%
PREVAIL – 1.43%
COVA – 1.43%
FIRSTAR
SUMMIT –
1.43%
PREMIER
ADVISOR –
1.43%
DESTINY SELECT
– 1.43%
PREVAIL – 1.43%
Investment portfolio fees and
expenses2
COVA – 0.40%
FIRSTAR SUMMIT
– 0.40%
PREMIER ADVISOR
– 0.40%
DESTINY SELECT
– 0.46%
PREVAIL – 0.40%
COVA – 1.10%
FIRSTAR
SUMMIT –
0.90%
PREMIER
ADSVIOR –
0.90%
DESTINY SELECT
– 0.90%
PREVAIL – 0.90%
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.
COVA
Lowest Annual Cost
$1,670
Highest Annual Cost
$2,138
FIRSTAR SUMMIT
Lowest Annual Cost
$1,670
Highest Annual Cost
$2,089
PREMIER ADVISOR
Lowest Annual Cost
$1,670
Highest Annual Cost
$2,089
DESTINY SELECT
Lowest Annual Cost
$1,721
Highest Annual Cost
$2,089
PREVAIL
Lowest Annual Cost
$1,670
Highest Annual Cost
$2,089
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive investment portfolio fees
and expenses
●No additional purchase payments,
transfers, or withdrawals
●No sales charges
●Investment of $100,000
●5% annual appreciation
●Most expensive investment
portfolio fees and expenses
●No additional purchase
payments, transfers, or
withdrawals
●No sales charges
5
 
 
Risks
 
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 in
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 5 years
following a purchase payment. Withdrawal charges will reduce the value of
your contract if you withdraw money during that time. Withdrawals could
significantly reduce the value of your contract, the death benefit, and other
contract benefits. The reduction may be more than the amount withdrawn.
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
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., 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
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 BLIC, including our
financial strength ratings, is available by contacting us at (888) 243-1968.
Principal Risks
of Investing in
the Contract
 
Restrictions
 
Are There
Restrictions on the
Investment
Options?
●Yes.
●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
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 investment portfolios
available as investment options under the contract.
Purchase
 
Investment
Options
 
Appendix A:
Investment
Options
Available
Under the
Contract
Are There Any
Restrictions on
Contract Benefits?
●Yes.
●Withdrawals will reduce the value of the death benefit, perhaps
significantly.
●Except as otherwise provided, Contract benefits may not be modified or
terminated by us.
Death Benefit
6
 
Taxes
Location in
Prospectus
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 59 1∕2.
Federal
Income Tax
Status
 
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 –
Compensation
Paid to Selling
Firms
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.
Replacement
of Contracts
and Other
Exchanges
7
 
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APPENDIX A
Investment Options 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 below for the Investment Portfolios available under your Contract.
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.
If you purchased the COVA VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available: 
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.
Invesco V.I. EQV International
Equity Fund — Series I††
Invesco Advisers, Inc.
0.90%
16.50%
3.68%
6.22%
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 A††
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.58%
15.88%
7.56%
11.28%
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.
Loomis Sayles Growth
Portfolio — Class B††
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
0.80%
14.90%
14.77%
13.91%
Seeks capital appreciation.
MFS® Research International
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.56%
22.72%
5.80%
7.83%
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 capital appreciation.
Morgan Stanley Discovery
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.65%
13.55%
-5.58%
14.29%
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
0.58%
9.21%
0.19%
2.55%
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%
12.32%
10.55%
10.36%
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.
0.95%
3.42%
3.83%
9.77%
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%
2.51%
9.90%
9.86%
Seeks long-term growth of capital.
Baillie Gifford International Stock
Portfolio — Class B††
Brighthouse Investment Advisers,
LLC
Subadviser: Baillie Gifford Overseas
Limited
0.99%
18.96%
0.70%
7.34%
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
0.63%
7.68%
-0.42%
2.12%
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%
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 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 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 long-term growth of capital.
Jennison Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.79%
13.72%
10.01%
16.41%
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%
11.11%
6.42%
7.65%
Seeks capital appreciation.
MFS® Value Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.83%
13.00%
9.84%
9.99%
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 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%
15.70%
9.64%
14.39%
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%
10.30%
5.75%
10.88%
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-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 long-term capital growth.
Templeton Foreign VIP
Fund — Class 1††
Templeton Investment Counsel,
LLC
0.83%
29.51%
8.52%
6.01%
Seeks capital growth and current
income.
Putnam VT Large Cap Value
Fund — Class IB
Putnam Investment Management,
LLC
0.79%
20.35%
15.38%
13.30%
#
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.
††
Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.
If you purchased the FIRSTAR SUMMIT VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available: 
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.
Invesco V.I. EQV International
Equity Fund — Series I
Invesco Advisers, Inc.
0.90%
16.50%
3.68%
6.22%
Seeks capital appreciation.
MFS® Research International
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.56%
22.72%
5.80%
7.83%
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
0.58%
9.21%
0.19%
2.55%
Seeks to provide total return,
primarily through capital
appreciation.
State Street Emerging Markets
Enhanced Index
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc
0.55%
34.45%
6.31%
 — 
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%
12.32%
10.55%
10.36%
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 long-term growth of capital.
Baillie Gifford International Stock
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Baillie Gifford Overseas
Limited
0.74%
19.31%
0.96%
7.62%
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 long-term growth of capital.
Jennison Growth
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.54%
14.04%
10.28%
16.71%
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 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%
Seeks long-term capital growth.
Templeton Foreign VIP
Fund — Class 1#
Templeton Investment Counsel,
LLC
0.83%
29.51%
8.52%
6.01%
#
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.
††
Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.
If you purchased the PREMIER ADVISOR VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available: 
A-5
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.
Invesco V.I. EQV International
Equity Fund — Series I
Invesco Advisers, Inc.
0.90%
16.50%
3.68%
6.22%
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 capital appreciation.
Invesco Global Equity
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.58%
15.88%
7.56%
11.28%
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 A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.56%
22.72%
5.80%
7.83%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.65%
13.55%
-5.58%
14.29%
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
0.58%
9.21%
0.19%
2.55%
Seeks to provide total return,
primarily through capital
appreciation.
State Street Emerging Markets
Enhanced Index
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc
0.55%
34.45%
6.31%
 — 
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%
12.32%
10.55%
10.36%
A-6
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 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%
2.51%
9.90%
9.86%
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 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 long-term growth of capital.
Jennison Growth
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.54%
14.04%
10.28%
16.71%
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 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%
15.70%
9.64%
14.39%
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%
10.30%
5.75%
10.88%
A-7
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.
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%
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
0.46%
19.02%
12.51%
11.60%
Seeks to provide capital growth.
Growth Opportunities
Portfolio — Initial Class
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.56%
22.02%
11.31%
19.94%
Seeks long-term capital growth.
Templeton Foreign VIP
Fund — Class 1#
Templeton Investment Counsel,
LLC
0.83%
29.51%
8.52%
6.01%
#
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.
††
Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.
If you purchased the DESTINY SELECT VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available: 
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.
Invesco V.I. EQV International
Equity Fund — Series I
Invesco Advisers, Inc.
0.90%
16.50%
3.68%
6.22%
Seeks long-term capital appreciation.
Brighthouse Small Cap Value
Portfolio — Class A††
Brighthouse Investment Advisers,
LLC
Subadviser: Allspring Global
Investments, LLC
0.78%
-2.92%
6.70%
8.34%
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%
A-8
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 capital appreciation.
Invesco Global Equity
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.58%
15.88%
7.56%
11.28%
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 A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.56%
22.72%
5.80%
7.83%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.65%
13.55%
-5.58%
14.29%
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
0.58%
9.21%
0.19%
2.55%
Seeks to provide total return,
primarily through capital
appreciation.
State Street Emerging Markets
Enhanced Index
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc
0.55%
34.45%
6.31%
 — 
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%
12.32%
10.55%
10.36%
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%
2.51%
9.90%
9.86%
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%
A-9
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 long-term growth of capital.
Jennison Growth
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.54%
14.04%
10.28%
16.71%
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 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%
15.70%
9.64%
14.39%
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%
10.30%
5.75%
10.88%
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%
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
0.46%
19.02%
12.51%
11.60%
Seeks to provide capital growth.
Growth Opportunities
Portfolio — Initial Class
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.56%
22.02%
11.31%
19.94%
Seeks long-term capital growth.
Templeton Foreign VIP
Fund — Class 1#
Templeton Investment Counsel,
LLC
0.83%
29.51%
8.52%
6.01%
#
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.
A-10
††
Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.
If you purchased the PREVAIL VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available: 
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.
Invesco V.I. EQV International
Equity Fund — Series I
Invesco Advisers, Inc.
0.90%
16.50%
3.68%
6.22%
Seeks capital appreciation.
MFS® Research International
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.56%
22.72%
5.80%
7.83%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.65%
13.55%
-5.58%
14.29%
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
0.58%
9.21%
0.19%
2.55%
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%
12.32%
10.55%
10.36%
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%
2.51%
9.90%
9.86%
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%
A-11
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 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 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 long-term growth of capital.
Jennison Growth
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.54%
14.04%
10.28%
16.71%
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 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%
15.70%
9.64%
14.39%
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%
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
0.46%
19.02%
12.51%
11.60%
Seeks to provide capital growth.
Growth Opportunities
Portfolio — Initial Class
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.56%
22.02%
11.31%
19.94%
#
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.
††
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 the Dollar Cost Averaging Program and instruct us to make transfers to or from the fixed account. We may change the features of the fixed account listed below,
A-12
offer new fixed account investment options, and terminate existing fixed account investment options. We will provide you with written notice before doing so.  
Name
Guaranteed Minimum Interest Rate
Fixed account
3%
A-13
  
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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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