# EDGAR Filing Document

**Accession Number:** 0002041679
**File Stem:** 0001193125-26-168870
**Filing Date:** 2026-4
**Character Count:** 53616
**Document Hash:** c471a4f643fc3edeadf068244c3c89fe
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-168870.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-168870

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Brighthouse Life Insurance Co (RILA MVA)
- **CENTRAL INDEX KEY:** 0002041679

**ORGANIZATION NAME:**
- **EIN:** 060566090
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-290025
- **FILM NUMBER:** 26881434

**BUSINESS ADDRESS:**
- **STREET 1:** 11225 NORTH COMMUNITY HOUSE ROAD
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28277
- **BUSINESS PHONE:** 980-365-7100

**MAIL ADDRESS:**
- **STREET 1:** 11225 NORTH COMMUNITY HOUSE ROAD
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28277

## Series and Classes Contracts Data

### Brighthouse Life Insurance Co (RILA MVA) (Series ID: S000089582)

| Class ID   | Class Name                                                                                                                   | Ticker Symbol   |
|:---|:---|:---|
| C000266111 | Brighthouse Retirement Account Annuity, Registered Fixed Account Option and Brighthouse Retirement Account Liquidity Benefit |  |

![](g79250bhouse_logo.jpg)

**Brighthouse Retirement Account Annuity**

**ISSUED BY**

**BRIGHTHOUSE LIFE INSURANCE COMPANY**

**Updating Summary Prospectus**

**April 27, 2026** 

**A Flexible Premium Variable and Fixed Annuity Contract** <br>

The prospectus for Brighthouse Retirement Account Annuity, a flexible premium variable and fixed annuity contract issued by Brighthouse Life Insurance Company (the Company, or We, Us, or Our), is available and contains more information about the Contract including its features, benefits, and risks. You can find the current prospectus and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF85. You can also obtain this information at no cost by calling (833) 208-3018 or by sending an email request to rcg@brighthousefinancial.com. We no longer actively offer the Contracts to new purchasers, but We continue to accept new Participants under existing Contracts previously issued to Plans.

If, for an additional charge, You selected the Optional Death Benefit, We will add Purchase Payment Conservation Credits (also referred to as "bonus credits") to Your Contract with each Purchase Payment. Regardless of the death benefit selected, We will add a credit to Contract Value that is applied to an Annuity option after the first year. Expenses for variable annuity contracts with bonus credits may be higher than for other contracts without such credits. The amount of credits under the Contract may be more than offset by the higher fees and charges associated with the credits.

The Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Full and partial surrenders from the Contract could result in withdrawal charges, taxes, and tax penalties. In addition, certain withdrawals from the Fixed Account will also be subject to a Market Value Adjustment that may result in loss, including full surrenders due to discontinuation of the Contract during the Accumulation Period and withdrawals under the Liquidity Benefit during the Annuity Period. In extreme circumstances, You could lose up to 100% of the amount withdrawn or surrendered from the Fixed Account due to a negative Market Value Adjustment.

Our obligations under the Contract are subject to Our financial strength and claims paying ability. Additional general information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**The Securities and Exchange Commission has not approved or disapproved these securities or the adequacy of this prospectus. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
|  | **Page** |
| [Glossary](#xx_b01ca49c-e79b-4a8e-be3b-4e4bdf8640f7_1) | 3  |
| [Updated Information You Should Consider About the Contract](#xx_b01ca49c-e79b-4a8e-be3b-4e4bdf8640f7_2) | 4  |
| [Important Information You Should Consider About the Contract](#xx_1fbcf150-adeb-42d8-8c5c-da4418df45eb_1) | 5  |
| [Appendix](#xx_05b43000-15f7-4a3d-8c43-3c03138306cb_2)[A:](#xx_05b43000-15f7-4a3d-8c43-3c03138306cb_2)[Investment Options Available Under the Contract](#xx_05b43000-15f7-4a3d-8c43-3c03138306cb_2) | A-1 |

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**Glossary**

**Accumulation Period** — the period before the commencement of Annuity Payments.

**Annuity** — payment of income for a stated period or amount.

**Annuity Period** — the period following commencement of Annuity Payments.

**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.

**Competing Fund** — any investment option under the Plan, which, in Our opinion, consists primarily of fixed-income securities and/or money market instruments.

**Contract Value** — the value of the Accumulation Units in Your Account (or a Participant's Individual Account, if applicable), plus amounts held under the Fixed Account.

**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.

**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.

**Funding Options** — the variable investment options to which Purchase Payments under the Contract may be allocated. Funding Options are also referred to as "Subaccounts."

**Guarantee Period** — The period through the end of the first calendar year during which the Contract was purchased and successive 12-month periods thereafter during which a Guaranteed Interest Rate is credited.

**Guaranteed Interest Rate** — The annual effective interest rate credited during the Guarantee Period.

**Market Value Adjustment** — applies to certain withdrawals from the Fixed Account including full surrenders due to discontinuation of the Contract during the Accumulation Period and withdrawals under the Liquidity Benefit during the Annuity Period. In the event of a discontinuance, the Market Value Adjustment reflects the relationship, at the time of surrender, between the rate of interest credited to funds on deposit under the Fixed Account at the time of discontinuance to the rate of interest credited on new deposits at the time of discontinuance. When taking a withdrawal under the Liquidity Benefit, We calculate the amount due based on the present value of the remaining period certain payments under the Annuity Option using a current interest rate, and this calculation may result in a Market Value Adjustment, positive or negative, applied to Your withdrawal.

**Participant** — an eligible person who is a member in a tax qualified Plan under Sections 401, 403(b) or 457 of the Code, or a non-qualified deferred compensation 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 Sections 401, 403(b) or 457 of the Internal Revenue Code.

**Plan Administrator** — The corporation or other entity so specified on the application or purchase order. If none is specified, the Plan Trustee is the Plan Administrator.

**Purchase Payments** — the premium payment(s) applied to the Contract, less any Premium Taxes (if applicable).

**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 allocated to the Separate Account in the form of Purchase Payment Conservation Credits. Also, an amount which may be credited to Your Contract Value that equals a percentage of each Purchase Payment made where such funds originated from other Contracts issued by Us or Our affiliates.

**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 that is registered with the Securities and Exchange Commission (the "SEC") in which the Subaccounts invest. May also be referred to as "Portfolio Company."

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**You, Your** — "You," depending on the context, may be the Certificate holder, the Participant or the Contract Owners 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). In connection with a 403(b) Plan termination, as of the date of the Contract or cash distribution under such Plan termination, "You" means the Participant who has received such Contract or cash distribution.

***Updated Information You Should Consider About the Contract***

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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 the Company will remain an indirect wholly-owned subsidiary of BHF. Although Aquarian will replace BHF as the Company's ultimate parent, the Company will continue in its present role as the issuer of your contract. All of your rights and benefits under your contract and the Company'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 Underlying Funds** 

**Trust/Investment Portfolio Reorganization.** Each of the following Former Investment Portfolios has been reorganized into the New Investment Portfolios of the New Trust.

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| | |
|:---|:---|
| **Former Trust/Investment Portfolio** | **New Trust/Investment Portfolio** |
| **Legg Mason Partners Variable Equity Trust** | **Lincoln Variable Insurance Products Trust** |
| ClearBridge Variable Appreciation Portfolio | LVIP ClearBridge Appreciation Fund |
| ClearBridge Variable Dividend Strategy Portfolio | LVIP ClearBridge Dividend Strategy Fund |
| ClearBridge Variable Large Cap Growth Portfolio | LVIP ClearBridge Large Cap Growth Fund |
| ClearBridge Variable Large Cap Value Portfolio | LVIP ClearBridge Large Cap Value Fund |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Portfolio Name Change.** Certain Investment Portfolios were subject to a name change. The chart below identifies the former name and new name of the Investment Portfolios.

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| | |
|:---|:---|
| **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 |
| **Delaware VIP® Trust** | **Delaware VIP® Trust** |
| Macquarie VIP Small Cap Value Series | Nomura VIP Small Cap Value Series\* |
| **Franklin Templeton Variable Insurance Products Trust** | **Franklin Templeton Variable Insurance Products Trust** |
| Templeton Developing Markets VIP Fund | Templeton Emerging Markets VIP Fund\*\* |

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\*The effective date of this name change was December 1, 2025.

\*\*The effective date of this name change is May 1, 2026.

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***Important Information You Should Consider About the Contract***

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| | | |
|:---|:---|:---|
|  | **Fees, Expenses, and Adjustments** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There** <br> **Charges or** <br> **Adjustments for** <br> **Early** <br> **Withdrawals?**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | &nbsp;&nbsp; **Yes.** <br> Withdrawal Charges. If You withdraw money during the first 5 years <br> following a Purchase Payment, You may be assessed a withdrawal charge of <br> up to 5% of the Purchase Payment and any applicable Purchase Payment <br> Conservation Credits withdrawn, declining to 0% over that time period.<br>For example, if You make an early withdrawal, You could pay a withdrawal <br> charge of up to $5,000 on a $100,000 investment. This loss will be greater <br> if there taxes or tax penalties.<br>Market Value Adjustments. If You surrender the entire amount in the Fixed <br> Account during the Accumulation Period due to a Contract discontinuation <br> or if you take a withdrawal under the Liquidity Benefit during the Annuity <br> Period, We will apply a Market Value Adjustment, which may be negative. <br> In extreme circumstances, You could lose up to 100% of the amount <br> surrendered or withdrawn due to a negative Market Value Adjustment. For <br> example, if You were to allocate $100,000 to the Fixed Account and later <br> surrender the Contract, You could lose up to $100,000 of Your investment. <br> This loss will be greater if You also have to pay withdrawal charges, taxes, <br> and tax penalties. Only full surrenders from the Fixed Account due to <br> Contract discontinuations and withdrawals under the Liquidity Benefit will <br> be subject to a Market Value Adjustment. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes**. In addition to withdrawal charges and Market Value Adjustments for <br> early withdrawals, You may also be charged for other transactions. There <br> may be taxes on Purchase Payments.<br>Transfer Fee. Currently, We do not charge for transfers. However, We <br> reserve the right to charge for transfers after the first 12 transfers per year. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>|

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|:---|:---|:---|:---|:---|:---|
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay *each* <br> *year*, depending on the investment options and optional benefits You <br> choose. Please refer to Your Contract specifications page for information <br> about the specific fees You will pay each year based on the options You <br> have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay *each* <br> *year*, depending on the investment options and optional benefits You <br> choose. Please refer to Your Contract specifications page for information <br> about the specific fees You will pay each year based on the options You <br> have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay *each* <br> *year*, depending on the investment options and optional benefits You <br> choose. Please refer to Your Contract specifications page for information <br> about the specific fees You will pay each year based on the options You <br> have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay *each* <br> *year*, depending on the investment options and optional benefits You <br> choose. Please refer to Your Contract specifications page for information <br> about the specific fees You will pay each year based on the options You <br> have elected. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Annual Fee** | **Minimum** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | Base Contract<sup>1</sup> <br>| 0.82% | 0.82% | 0.82% | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Portfolio Company fees <br> and expenses<sup>2</sup> <br>| 0.27% | 0.27% | 1.37% | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Optional benefits <br> available for an <br> additional charge (for a <br> single optional benefit, if <br> elected)<br>| 0.45%<sup>3</sup>  | 0.45%<sup>3</sup>  | 3.00%<sup>4</sup> <br>| &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net assets of the Separate Account. <br> <sup>2</sup>As a percentage of Underlying Fund assets before temporary expense reimbursements and/or <br> fee waivers. <br> <sup>3</sup>As a percentage of average daily net assets of the Separate Account. This is the charge for the <br> only optional benefit during the Accumulation Period. <br> <sup>4</sup>.As a percentage of average daily net assets of the Separate Account. This charge only applies <br> during the Annuity Period and only if you have elected the Variable Annuitization Floor <br> Benefit.  | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net assets of the Separate Account. <br> <sup>2</sup>As a percentage of Underlying Fund assets before temporary expense reimbursements and/or <br> fee waivers. <br> <sup>3</sup>As a percentage of average daily net assets of the Separate Account. This is the charge for the <br> only optional benefit during the Accumulation Period. <br> <sup>4</sup>.As a percentage of average daily net assets of the Separate Account. This charge only applies <br> during the Annuity Period and only if you have elected the Variable Annuitization Floor <br> Benefit.  | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net assets of the Separate Account. <br> <sup>2</sup>As a percentage of Underlying Fund assets before temporary expense reimbursements and/or <br> fee waivers. <br> <sup>3</sup>As a percentage of average daily net assets of the Separate Account. This is the charge for the <br> only optional benefit during the Accumulation Period. <br> <sup>4</sup>.As a percentage of average daily net assets of the Separate Account. This charge only applies <br> during the Annuity Period and only if you have elected the Variable Annuitization Floor <br> Benefit.  | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net assets of the Separate Account. <br> <sup>2</sup>As a percentage of Underlying Fund assets before temporary expense reimbursements and/or <br> fee waivers. <br> <sup>3</sup>As a percentage of average daily net assets of the Separate Account. This is the charge for the <br> only optional benefit during the Accumulation Period. <br> <sup>4</sup>.As a percentage of average daily net assets of the Separate Account. This charge only applies <br> during the Annuity Period and only if you have elected the Variable Annuitization Floor <br> Benefit.  | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning Your <br> Contract, the following table shows the lowest and highest cost You could <br> pay *each year*, based on current charges. This estimate assumes that You do <br> not take withdrawals from the Contract, **which could add withdrawal** <br> **charges and negative Market Value Adjustments that substantially increase** <br> **costs.** | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning Your <br> Contract, the following table shows the lowest and highest cost You could <br> pay *each year*, based on current charges. This estimate assumes that You do <br> not take withdrawals from the Contract, **which could add withdrawal** <br> **charges and negative Market Value Adjustments that substantially increase** <br> **costs.** | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning Your <br> Contract, the following table shows the lowest and highest cost You could <br> pay *each year*, based on current charges. This estimate assumes that You do <br> not take withdrawals from the Contract, **which could add withdrawal** <br> **charges and negative Market Value Adjustments that substantially increase** <br> **costs.** | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning Your <br> Contract, the following table shows the lowest and highest cost You could <br> pay *each year*, based on current charges. This estimate assumes that You do <br> not take withdrawals from the Contract, **which could add withdrawal** <br> **charges and negative Market Value Adjustments that substantially increase** <br> **costs.** | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; **Lowest Annual Cost**<br> $1,140 | &nbsp;&nbsp; **Lowest Annual Cost**<br> $1,140 | &nbsp;&nbsp; **Highest Annual Cost**<br> $3,015 | &nbsp;&nbsp; **Highest Annual Cost**<br> $3,015 | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Assumes:** | **Assumes:** | **Assumes:** | **Assumes:** | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp;&nbsp; ●Investment of $100,000<br> ●5% annual appreciation<br> ●Least expensive Portfolio Company <br> fees and expenses<br>●No optional benefits<br> ●No Purchase Payment Conservation <br> Credits<br>●No additional Purchase Payments, <br> transfers, loans or withdrawals<br>●No surrender charges<br> ●No Market Value Adjustment | &nbsp;&nbsp;&nbsp; ●Investment of $100,000<br> ●5% annual appreciation<br> ●Least expensive Portfolio Company <br> fees and expenses<br>●No optional benefits<br> ●No Purchase Payment Conservation <br> Credits<br>●No additional Purchase Payments, <br> transfers, loans or withdrawals<br>●No surrender charges<br> ●No Market Value Adjustment | &nbsp;&nbsp;&nbsp; ●Investment of $100,000<br> ●5% annual appreciation<br> ●Most expensive combination of <br> optional benefits and Portfolio <br> Company fees and expenses<br>●No Purchase Payment <br> Conservation Credits<br>●No additional Purchase <br> Payments, transfers, loans or <br> withdrawals<br>●No surrender charges<br> ●No Market Value Adjustment | &nbsp;&nbsp;&nbsp; ●Investment of $100,000<br> ●5% annual appreciation<br> ●Most expensive combination of <br> optional benefits and Portfolio <br> Company fees and expenses<br>●No Purchase Payment <br> Conservation Credits<br>●No additional Purchase <br> Payments, transfers, loans or <br> withdrawals<br>●No surrender charges<br> ●No Market Value Adjustment | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges,** <br> **Deductions, and** <br> **Adjustments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A:**<br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |

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**Risks** **Location in** **Prospectus** 

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**Restrictions** **Location in** **Prospectus** 

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**Taxes** **Location in** **Prospectus** 

**Conflicts of Interest** 

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**THIS PAGE INTENTIONALLY LEFT BLANK.**

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***Appendix A***

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***Investment Options Available Under the Contract***

The following is a list of Underlying Funds under the Contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF85. You can also request this information at no cost by calling (833) 208-3018 or sending an email request to rcg@brighthousefinancial.com. Depending on the optional benefits You choose, You may not be able to select certain Underlying Funds. See "Underlying Funds Available Under the Benefits Offered Under the Contract" below. 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.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; American Funds Global Growth Fund — <br> Class 2#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.65% | 21.62% | 8.23% | 12.17% |
| Seeks growth of capital. | &nbsp;&nbsp; American Funds Growth Fund — Class 2<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.58% | 20.24% | 13.37% | 17.97% |
| Seeks long-term growth of <br> capital and income.<br>| &nbsp;&nbsp; American Funds Growth-Income Fund <br> — Class 2<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Seeks to maximize total <br> return, consistent with <br> income generation and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; BlackRock High Yield Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Financial* <br> *Management, Inc.*<br>| 0.63% | 9.15% | 4.94% | 6.62% |
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset Allocation 100 <br> Portfolio — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.96% | 17.06% | 8.63% | 10.70% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Brighthouse Small Cap Value Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Allspring Global* <br> *Investments, LLC*<br>| 1.03% | -3.21% | 6.43% | 8.07% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Brighthouse/Wellington Large Cap <br> Research Portfolio — Class E#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.69% | 15.74% | 12.14% | 13.45% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks total return through <br> investment in real estate <br> securities, emphasizing <br> both capital appreciation <br> and current income.<br>| &nbsp;&nbsp; CBRE Global Real Estate Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: CBRE Investment* <br> *Management Listed Real Assets LLC*<br>| 0.66% | 7.11% | 4.30% | 4.22% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Harris Oakmark International Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Harris Associates L.P.*<br>| 0.72% | 33.17% | 6.72% | 7.01% |
| Seeks capital growth and <br> income.<br>| &nbsp;&nbsp; Invesco Comstock Portfolio — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.81% | 17.31% | 15.15% | 11.83% |
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco Global Equity Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.83% | 15.60% | 7.30% | 11.00% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Invesco Small Cap Growth Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.74% | 6.17% | -0.66% | 9.27% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; JPMorgan Small Cap Value Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: J.P. Morgan Investment* <br> *Management Inc.*<br>| 0.79% | 12.48% | 9.93% | 9.09% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Loomis Sayles Growth Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Loomis, Sayles & Company,* <br> *L.P.*<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS® Research International Portfolio — <br> Class B#†<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.81% | 22.41% | 5.54% | 7.57% |
| Seeks capital appreciation. | &nbsp;&nbsp; Morgan Stanley Discovery Portfolio — <br> Class B#†<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Morgan Stanley Investment* <br> *Management Inc.*<br>| 0.90% | 13.19% | -5.83% | 14.00% |
| Seeks maximum real return, <br> consistent with preservation <br> of capital and prudent <br> investment management.<br>| &nbsp;&nbsp; PIMCO Inflation Protected Bond <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 1.13% | 7.93% | 1.40% | 3.35% |
| Seeks maximum total <br> return, consistent with the <br> preservation of capital and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return Portfolio — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.83% | 8.90% | -0.07% | 2.30% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks to provide total <br> return, primarily through <br> capital appreciation.<br>| &nbsp;&nbsp; State Street Emerging Markets Enhanced <br> Index Portfolio — Class A#†<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: SSGA Funds Management,* <br> *Inc*<br>| 0.55% | 34.45% | 6.31% |  |
| Seeks long-term capital <br> appreciation by investing in <br> common stocks believed to <br> be undervalued. Income is <br> a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value Portfolio <br> — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.78% | 12.05% | 10.28% | 10.09% |
| Seeks long-term capital <br> appreciation by investing in <br> common stocks believed to <br> be undervalued. Income is <br> a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value Portfolio <br> — Class E††<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.68% | 12.16% | 10.39% | 10.20% |
| Seeks high total return by <br> investing in equity <br> securities of mid-sized <br> companies.<br>| &nbsp;&nbsp; Victory Sycamore Mid Cap Value <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Victory Capital Management* <br> *Inc.*<br>| 0.85% | 2.29% | 9.62% | 9.58% |
| Seeks a competitive total <br> return primarily from <br> investing in fixed-income <br> securities.<br>| &nbsp;&nbsp; BlackRock Bond Income Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; BlackRock Capital Appreciation Portfolio <br> — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.56% | 13.19% | 11.07% | 15.80% |
| Seeks a high level of current <br> income consistent with <br> prudent investment risk and <br> preservation of capital.<br>| &nbsp;&nbsp; BlackRock Ultra-Short Term Bond <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Seeks a high level of current <br> income, with growth of <br> capital as a secondary <br> objective.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio <br> — Class B#‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.93% | 9.25% | 2.06% | 3.97% |
| Seeks high total return in <br> the form of income and <br> growth of capital, with a <br> greater emphasis on <br> income.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.91% | 11.50% | 3.84% | 5.69% |
| Seeks a balance between a <br> high level of current <br> income and growth of <br> capital, with a greater <br> emphasis on growth of <br> capital.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.91% | 13.77% | 5.55% | 7.47% |
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.93% | 15.63% | 7.18% | 9.22% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term capital <br> appreciation with some <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Balanced <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| Seeks to provide a growing <br> stream of income over time <br> and, secondarily, long-term <br> capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| Seeks maximum capital <br> appreciation.<br>| &nbsp;&nbsp; Frontier Mid Cap Growth Portfolio — <br> Class D#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Frontier Capital Management* <br> *Company, LLC*<br>| 0.79% | 5.08% | 3.68% | 10.04% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Jennison Growth Portfolio — Class B#†<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.79% | 13.72% | 10.01% | 16.41% |
| Seeks to track the <br> performance of the <br> Bloomberg U.S. Aggregate <br> Bond Index.<br>| &nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio <br> — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| Seeks to track the <br> performance of the MSCI <br> EAFE® Index.<br>| &nbsp;&nbsp; MetLife MSCI EAFE® Index Portfolio — <br> Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| Seeks to track the <br> performance of the Russell <br> 2000® Index.<br>| &nbsp;&nbsp; MetLife Russell 2000® Index Portfolio — <br> Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| Seeks to track the <br> performance of the <br> Standard & Poor's 500® <br> Composite Stock Price <br> Index.<br>| &nbsp;&nbsp; MetLife Stock Index Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| Seeks a favorable total <br> return through investment <br> in a diversified portfolio.<br>| &nbsp;&nbsp; MFS® Total Return Portfolio — Class F#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.82% | 10.89% | 6.20% | 7.44% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS® Value Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| Seeks high total return, <br> consisting principally of <br> capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman Genesis Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; T. Rowe Price Small Cap Growth <br> Portfolio — Class B<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.76% | 10.00% | 5.48% | 10.60% |
| Seeks to maximize total <br> return consistent with <br> preservation of capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Western Asset Management* <br> *Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| Seeks to maximize total <br> return consistent with <br> preservation of capital and <br> maintenance of liquidity.<br>| &nbsp;&nbsp; Western Asset Management <br> U.S. Government Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Western Asset Management* <br> *Company LLC*<br>| 0.50% | 7.07% | 0.59% | 1.82% |
| Seeks capital appreciation. | &nbsp;&nbsp; Nomura VIP Small Cap Value Series — <br> Standard Class<br> *Delaware Management Company, a* <br> *series of Nomura Investment* <br>*Management Business Trust*<br> *Subadvisers: Macquarie Funds* <br> *Management HK Ltd.; Macquarie* <br> *Investment Management Global Limited*<br>| 0.74% | 8.16% | 9.26% | 9.15% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Contrafund® Portfolio — Service Class 2<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.79% | 21.24% | 15.08% | 15.49% |
| Seeks capital appreciation. | &nbsp;&nbsp; Dynamic Capital Appreciation Portfolio <br> — Service Class 2†<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.98% | 18.49% | 13.38% | 14.58% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Mid Cap Portfolio — Service Class 2<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Templeton Emerging Markets VIP Fund <br> — Class 2^^<br> *Templeton Asset Management Ltd.*<br> *Subadviser: Franklin Templeton* <br> *Investment Management Limited*<br>| 1.37% | 46.27% | 5.46% | 10.40% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; Templeton Foreign VIP Fund — Class 2#<br> *Templeton Investment Counsel, LLC*<br>| 1.08% | 29.19% | 8.25% | 5.75% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Janus Henderson Enterprise Portfolio — <br> Service Shares<br> *Janus Henderson Investors US LLC*<br>| 0.97% | 7.41% | 7.35% | 12.51% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks capital appreciation. | &nbsp;&nbsp; ClearBridge Variable Growth Portfolio — <br> Class I†<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.87% | 13.32% | 5.24% | 7.47% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; ClearBridge Variable Small Cap Growth <br> Portfolio — Class I<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.81% | 9.23% | -0.17% | 9.38% |
| Seeks to maximize total <br> return, consistent with <br> prudent investment <br> management and liquidity <br> needs, by investing to <br> obtain a dollar weighted <br> average effective duration <br> that is normally within 30% <br> of the average duration of <br> the domestic bond market <br> as a whole.<br>| &nbsp;&nbsp; Western Asset Core Plus VIT Portfolio — <br> Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadvisers: Western Asset Management* <br> *Company, LLC; Western Asset* <br> *Management Company Limited; Western* <br> *Asset Management Company Ltd;* <br> *Western Asset Management Company* <br> *Pte. Ltd.*<br>| 0.54% | 7.75% | -1.44% | 2.11% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; LVIP ClearBridge Appreciation Fund — <br> Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.70% | 14.50% | 12.72% | 13.34% |
| Seeks dividend income, <br> growth of dividend income <br> and long-term capital <br> appreciation.<br>| &nbsp;&nbsp; LVIP ClearBridge Dividend Strategy Fund <br> — Class I#†<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.75% | 12.62% | 11.86% | 12.46% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; LVIP ClearBridge Large Cap Growth <br> Fund — Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.74% | 8.62% | 10.57% | 14.46% |
| Seeks long-term growth of <br> capital as its primary <br> objective. Current income <br> is a secondary objective.<br>| &nbsp;&nbsp; LVIP ClearBridge Large Cap Value Fund <br> — Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.72% | 10.20% | 10.11% | 10.01% |

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#

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.

†

Not available under all Contracts. Availability depends on Contract issue date.

††

Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.

^^

Until May 1, 2026, the name of this Underlying Fund is Templeton Developing Markets VIP Fund.

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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 DCA program and instruct Us to make transfers to or from the Fixed Account. We may change the features of the Fixed Account listed below, offer new Fixed Account investment options, and terminate existing Fixed Account investment options. We will provide You with written notice before doing so. Availability of the Fixed Account may vary by employer or Plan Administrator. You should reference Your Plan documents or speak with Your employer or Plan Administrator for the investment options available to You.

**Note: Full surrenders from the Fixed Account due to Contract discontinuations and withdrawals under the Liquidity Benefit will be subject to a Market Value Adjustment. This may result in a significant reduction in Your Fixed Account Contract Value. See "Charges, Deductions, and Adjustments – Market Value Adjustment" for more information.** 

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| | | |
|:---|:---|:---|
| **Name** | **Term (Guarantee Period)** | **Guaranteed Minimum Interest Rate** |
| Fixed Account | 12 months | 1% |

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**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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• MFS® Value Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• BlackRock Bond Income Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Western Asset Management U.S. Government Portfolio

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The prospectus and statement of additional information ("SAI") include additional information. [The prospectus and SAI](https://www.sec.gov/ix?doc=/Archives/edgar/data/2041679/000119312526145824/d18505d485bpos.htm)[are dated the same as this summary prospectus and are incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/2041679/000119312526145824/d18505d485bpos.htm) 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 rcg@brighthousefinancial.com. 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: publicinfo@sec.gov.

EDGAR Contract Identifier No. is <br> Brighthouse Separate Account Eleven for Variable Annuities C000068747 <br> Brighthouse Life Insurance Company (RILA MVA) C000266111

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