# EDGAR Filing Document

**Accession Number:** 0000744043
**File Stem:** 0001193125-26-175549
**Filing Date:** 2026-4
**Character Count:** 47369
**Document Hash:** df975fbbefec3b51e3694138c6a41672
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-175549.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-175549

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** METROPOLITAN LIFE SEPARATE ACCOUNT E
- **CENTRAL INDEX KEY:** 0000744043

**ORGANIZATION NAME:**
- **EIN:** 135581829
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-83716
- **FILM NUMBER:** 26890785

**BUSINESS ADDRESS:**
- **STREET 1:** 200 PARK AVENUE
- **STREET 2:** C/O METROPOLITAN LIFE INSURANCE CO
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 2125789500

**MAIL ADDRESS:**
- **STREET 1:** 200 PARK AVENUE
- **STREET 2:** C/O METROPOLITAN LIFE INSURANCE CO
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166

## Series and Classes Contracts Data

### METROPOLITAN LIFE SEPARATE ACCOUNT E (Series ID: S000001300)

| Class ID   | Class Name                                                      | Ticker Symbol   |
|:---|:---|:---|
| C000003507 | MetLife Financial Freedom Select ® B, L, C, e and e Bonus Class |  |

April 27, 2026

**Updating Summary Prospectus For Investors in MetLife Financial Freedom Select**<sup>®</sup> **B Class, L Class, C Class, e Class and e Bonus Class Variable Annuity Contracts** 

**Issued by Metropolitan Life Separate Account E of Metropolitan Life Insurance Company**

This Updating Summary Prospectus includes updating information about MetLife Financial Freedom Select group and individual flexible contribution deferred variable annuity contracts ("Deferred Annuities" or the "Contracts") (also referred to herein as "the Contract") issued by Metropolitan Life Insurance Company ("MetLife" ," the "Company," "we," "us" or "our").

The Prospectus for the Contracts contains more information about the Contracts, including features, benefits, and risks. You can find the current Prospectus and other information about the Contracts online at https://dfinview.com/metlife/PUFT/MET000211. You can also obtain this information at no cost by calling our Administrative Office at (833) 642-1008, or by sending an email request to RCG@metlife.com. Not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.

Additional information about certain investment products, including variable annuity contracts, has been prepared by the Securities and Exchange Commission's staff and, is available at Investor.gov.

**Interests in the Separate Account, the Portfolios and the Fixed Interest Account are not deposits or obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency or entity or person. MetLife's obligations under the Contract are subject to its financial strength and claims-paying ability.**

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the Contract or determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_da51461b-93c8-4d69-8fee-436801024961_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_da51461b-93c8-4d69-8fee-436801024961_1) | 3  |
| [IMPORTANT TERMS YOU SHOULD KNOW](#xx_bfaf32c1-8342-421f-b66d-d135356bf6dc_1) | 8  |
| [APPENDIX A](#xx_efbf270f-06f0-4292-99e9-068c7d2bf008_1)[—](#xx_efbf270f-06f0-4292-99e9-068c7d2bf008_1)[INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_efbf270f-06f0-4292-99e9-068c7d2bf008_1) | A-1 |

---

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since You last received the Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since You entered into your Contract:

● For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.

● For updated Portfolio expense information please refer to "Important Information You Should Consider About the Contract" and Appendix A.

● For updated Portfolio performance information please refer to Appendix A.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** 

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are there Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** If You withdraw money from the Contract less than 13 Contract <br> years after You purchased the Contract, You may be assessed a <br> Withdrawal Charge of up to 10% of the amount withdrawn.<br> For example, if You purchase a B Class for $100,000 and surrender <br> your Contract during the first year, You will pay a Withdrawal Charge <br> of up to $10,000. | &nbsp;&nbsp; **Yes.** If You withdraw money from the Contract less than 13 Contract <br> years after You purchased the Contract, You may be assessed a <br> Withdrawal Charge of up to 10% of the amount withdrawn.<br> For example, if You purchase a B Class for $100,000 and surrender <br> your Contract during the first year, You will pay a Withdrawal Charge <br> of up to $10,000. | &nbsp;&nbsp; **Yes.** If You withdraw money from the Contract less than 13 Contract <br> years after You purchased the Contract, You may be assessed a <br> Withdrawal Charge of up to 10% of the amount withdrawn.<br> For example, if You purchase a B Class for $100,000 and surrender <br> your Contract during the first year, You will pay a Withdrawal Charge <br> of up to $10,000. | &nbsp;&nbsp; Charges – Withdrawal <br> Charges<br>|
| **Are there Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to Withdrawal Charges, You also may be charged for <br> other transactions, such as transferring Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account. <br> Although we do not currently charge a fee for transfers of Account <br> Value among Divisions or between the Divisions and the Fixed <br> Interest Account, we reserve the right to impose a transfer fee of $25 <br> on transfers in excess of 12 in a Contract Year. Loans will incur a $75 <br> loan initiation fee. The Loan Maintenance Fee is $50.00. Loan fees <br> may be waived or reduced for certain Plans. | &nbsp;&nbsp; **Yes.** In addition to Withdrawal Charges, You also may be charged for <br> other transactions, such as transferring Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account. <br> Although we do not currently charge a fee for transfers of Account <br> Value among Divisions or between the Divisions and the Fixed <br> Interest Account, we reserve the right to impose a transfer fee of $25 <br> on transfers in excess of 12 in a Contract Year. Loans will incur a $75 <br> loan initiation fee. The Loan Maintenance Fee is $50.00. Loan fees <br> may be waived or reduced for certain Plans. | &nbsp;&nbsp; **Yes.** In addition to Withdrawal Charges, You also may be charged for <br> other transactions, such as transferring Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account. <br> Although we do not currently charge a fee for transfers of Account <br> Value among Divisions or between the Divisions and the Fixed <br> Interest Account, we reserve the right to impose a transfer fee of $25 <br> on transfers in excess of 12 in a Contract Year. Loans will incur a $75 <br> loan initiation fee. The Loan Maintenance Fee is $50.00. Loan fees <br> may be waived or reduced for certain Plans. | Charges – Transfer Fee |
| **Are there Ongoing Fees** <br> **and Expenses**<br> **(annual charges)?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the investment options and optional <br> benefits You choose. Please refer to your Contract specifications <br> page for information about the specific fees You will pay each year <br> based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the investment options and optional <br> benefits You choose. Please refer to your Contract specifications <br> page for information about the specific fees You will pay each year <br> based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the investment options and optional <br> benefits You choose. Please refer to your Contract specifications <br> page for information about the specific fees You will pay each year <br> based on the options You have elected. | Fees |
| **Are there Ongoing Fees** <br> **and Expenses**<br> **(annual charges)?** | **Annual Fee** | **Minimum** | **Maximum** | Fees |
| **Are there Ongoing Fees** <br> **and Expenses**<br> **(annual charges)?** | &nbsp;&nbsp; Base Contract (varies by Contract <br> class)<br>| 0.54% <sup>(1)</sup> <br>| 1.49% <sup>(1)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses**<br> **(annual charges)?** | Portfolio fees and expenses | 0.52% <sup>(2)</sup> <br>| 1.38% <sup>(2)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses**<br> **(annual charges)?** | &nbsp;&nbsp; Optional benefits available for an <br> additional charge (for a single <br> optional benefit, if elected)<br>| 0.10% <sup>(3)</sup> <br>| 0.95% <sup>(3)</sup> <br>| Fees |

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&nbsp;&nbsp;&nbsp;&nbsp;**FEES, EXPENSES AND ADJUSTMENTS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**CONFLICTS OF INTEREST** **LOCATION IN** **PROSPECTUS** 

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer You a new Contract in place of the one You own. You should <br> only exchange your Contract if You determine, after comparing the <br> features, fees, and risks of both contracts, and any fees or penalties <br> to terminate the existing contract, that it is better for You to <br> purchase the new contract rather than continue to own your existing <br> Contract. | Exchanges/Transfers |

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**IMPORTANT TERMS YOU SHOULD KNOW**

**Account Balance** **, Account Value or Contract Value —** When You purchase a Deferred Annuity, an account is set up for You. Your Account Balance (also referred to as Account Value or Contract Value) is the total amount of money in your Deferred Annuity, including money in the Divisions of the Separate Account and the Fixed Interest Account.

**Accumulation Unit Value** **—** With a Deferred Annuity, money paid-in or transferred into a Division of the Separate Account is credited to You in the form of Accumulation Units. Accumulation Units are established for each Division. We determine the value of these Accumulation Units as of the close of the New York Stock Exchange (the "Exchange") each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios. In addition to the investment performance of the Portfolios, the deduction of the Separate Account charge also affects a Division's Accumulation Unit Value.

**Administrative Office** **—** Our Administrative Office varies based on the type of service request or transaction that You are making. The most recent correspondence or quarterly statement sent to You will have the address and telephone number that You can use to contact us for specific transactions and requests. We will notify You if there are changes to this information.

**Annuitant** **—** The natural person whose life is the measure for determining the duration and the dollar amount of income payments, sometimes referred to as the measuring life.

**Annuity Unit** — An accounting unit of measure used to calculate the amount of Annuity Payments.

**Annuity Unit Value** **—** With a variable Pay-Out Option, the money paid-in or reallocated into a Division of the Separate Account is held in the form of Annuity Units. Annuity Units are established for each Division. We determine the value of these Annuity Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios, the experience factor for the current valuation period, the daily AIR factor and the Separate Account charge.

**Assumed Investment Return (AIR)** **—** Under a variable Pay-Out Option, the AIR is the assumed percentage rate of return used to determine the amount of the first variable income payment. The AIR is also the benchmark that is used to calculate the investment performance of a given Division to determine all subsequent payments to You.

**Beneficiary** **—** The person or persons who receive a benefit, including continuing payments or a lump sum payment, in the event the Contract Owner or Annuitant, as applicable, dies.

**Contract** **—** A Contract is the legal agreement between You and MetLife or between MetLife and the employer, plan trustee or other entity or the certificate issued to You under a group annuity contract. The Contract contains relevant provisions of your Deferred Annuity.

**Contract Anniversary** **—** An anniversary of the date we issue the Deferred Annuity.

**Contract Owner** — The person(s) or entity entitled to ownership rights under this Contract.

**Contract Year** **—** Generally, the Contract Year for a Deferred Annuity is the period ending on the last day of the month in which the anniversary of when we issued the annuity occurs and each following 12-month period.

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However, depending on underwriting and plan requirements, the first Contract Year may range from the initial three to fifteen months after the Deferred Annuity is issued.

**Deferred Annuity** **—** This term is used throughout this Prospectus when we are referring to Financial Freedom Select Variable Deferred Annuity Contracts.

**Divisions** **—** Divisions are subdivisions of the Separate Account. When You allocate a purchase payment, transfer money or make reallocations of your Account Balance to a Division, the Division purchases shares of a Portfolio (with the same name).

**Free Look** **—** You may cancel your Contract within a certain time period. This is known as a "Free Look." We must receive your request to cancel in writing by the appropriate day in your state, which varies from state to state. The time period may also vary depending on your age and whether You purchased your Contract from us directly, through the mail or with money from another annuity or life insurance policy. Depending on state law, we may refund (i) all of your purchase payments (and any interest credited by the Fixed Interest Account, if applicable) or (ii) your Account Balance as of the date your refund request is received at our Administrative Office in Good Order (this means You bear the risk of any decline in the value of your Contract due to the performance of the Divisions during the Free Look period).

**Good Order** **—** A request or transaction generally is considered in "Good Order" if it complies with our administrative procedures and the required information is complete and correct. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by us of the instructions relating to the requested transaction in writing (or, when permitted, by telephone, facsimile (also referred to as "fax"), email or internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. This information and documentation generally includes to the extent applicable to the transaction: your completed application; your Contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Division affected by the requested transaction; the signatures of all Contract Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting documentation that we may require, including any spousal consents. With respect to purchase payments, Good Order also generally includes receipt by us of sufficient funds to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirement at any time. If You have any questions, You should contact us or your sales representative (where applicable) before submitting the form or request.

**MetLife** **—** MetLife is Metropolitan Life Insurance Company which is the company that issues the Deferred Annuities. Throughout this Prospectus, MetLife is also referred to as "the Company," "we," "us" or "our."

**Pay-Out Options/Income Options —** These are options that You may elect when You convert your Contract into a regular stream of income after your "pay-in" or "accumulation" phase. The pay-out phase is often referred to as either "annuitizing" your Contract or taking an income annuity.

**Separate Account** **—** Metropolitan Life Separate Account E ("Separate Account") is an investment account. All assets contributed to Divisions under the Deferred Annuities and Income Options are pooled in the Separate Account and maintained for the benefit of investors in Deferred Annuities and Income Options.

**Variable Annuity** **—** An annuity with respect to which returns/income payments are based upon the performance of investments such as stocks and bonds held by one or more underlying Portfolios. You assume the investment risk for any amounts allocated to the Divisions in a Variable Annuity.

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**Withdrawal Charge** **—** The Withdrawal Charge is the amount we deduct from the amount You have withdrawn from your Deferred Annuity, if You withdraw money prematurely from a Deferred Annuity. This charge is often referred to as a deferred sales load or back-end sales load.

**You** **—** In this Prospectus, depending on the context, "You" is the owner of the Deferred Annuity or Income Option the annuitant under an Income Option or the participant or Annuitant for whom money is invested under certain group arrangements. In cases where we are referring to giving instructions or making payments to us for public employee deferred compensation under Section 457(b) ("PEDC"), Section 451 deferred fee arrangements, Section 451 deferred compensation plans, Section 457(f) deferred compensation plans, Section 457(e)(11) severance and death benefit plans, Section 415(m) qualified governmental excess benefit arrangements, annuities funding certain 403(a), 401(k) and 401(a) plans and Tax Sheltered Annuities ("TSAs") where the employer retains certain rights, "You" means the trustee or employer. Under PEDC, Section 451 deferred fee arrangements, Section 451 deferred compensation plans, Section 457(f) deferred compensation plans, Section 457(e)(11) severance and death benefit plans, Section 415(m) qualified governmental excess benefit arrangements, annuities funding certain 401(k), 401(a), 403(a) plans and TSAs where the participant or Annuitant is permitted to choose among investment choices, as well as SEP and SIMPLE Individual Retirement Annuities, "You" means the participant or Annuitant who is giving us instructions about the investment choices. 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. The terms "TSA" and "403(b)" are synonymous wherever they appear in this Prospectus and Statement of Additional Information.

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**APPENDIX A — INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolios currently available. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000211. You can also request this information at no cost by calling (833) 642-1008, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolio Companies as described below. If your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.

The current expenses and performance information below reflects fees and expenses of the Portfolios, 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 Portfolio Company's past performance is not necessarily an indication of future performance. <br>

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth <br> Fund<sup>(1)</sup> - Class 2<br> Capital Research and <br> Management Company<sup>SM</sup> <br>| 0.58% | 0.25% | 0.83% | 20.24% | 13.37% | 17.97% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth-<br> Income Fund<sup>(1)</sup> - Class 2<br> Capital Research and <br> Management Company<sup>SM</sup> <br>| 0.53% | 0.25% | 0.78% | 18.06% | 13.90% | 13.92% |
| Global Equity | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP <br> World Fund<sup>®</sup> \*<sup>(1)††</sup> - Class 2<br> Capital Research and <br> Management Company<sup>SM</sup> <br>| 0.90% | 0.25% | 1.15% | 14.64% | 0.49% | 7.23% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; American Funds The Bond <br> Fund of America\*<sup>(1)</sup> - Class 2<br> Capital Research and <br> Management Company<sup>SM</sup> <br>| 0.47% | 0.25% | 0.72% | 7.26% | -0.14% | 2.36% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Aggressive <br> Allocation Portfolio - Class C<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.99% | —  | 0.99% | 19.90% | 9.30% | 10.88% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Balanced <br> Allocation Portfolio - Class C<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.96% | —  | 0.96% | 17.02% | 7.26% | 8.99% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Moderate <br> Allocation Portfolio - Class C<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.95% | —  | 0.95% | 14.46% | 5.71% | 7.30% |

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|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; BlackRock Bond Income <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: BlackRock <br> Advisors, LLC<br>| 0.63% | —  | 0.63% | 7.68% | -0.42% | 2.12% |
| US Equity | &nbsp;&nbsp;&nbsp; BlackRock Capital <br> Appreciation Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: BlackRock <br> Advisors, LLC<br>| 0.81% | —  | 0.81% | 12.91% | 10.79% | 15.51% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 100 Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.96% | —  | 0.96% | 17.06% | 8.63% | 10.70% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 20 Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.93% | —  | 0.93% | 9.25% | 2.06% | 3.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 40 Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.91% | —  | 0.91% | 11.50% | 3.84% | 5.69% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 60 Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.91% | —  | 0.91% | 13.77% | 5.55% | 7.47% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 80 Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.93% | —  | 0.93% | 15.63% | 7.18% | 9.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse Small Cap Value <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Allspring <br> Global Investments, LLC<br>| 1.03% | —  | 1.03% | -3.21% | 6.43% | 8.07% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap <br> Value Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Artisan <br> Partners Limited <br> Partnership<br>| 1.03% | —  | 1.03% | 1.57% | 6.77% | 8.05% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Brighthouse/Franklin Low <br> Duration Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Franklin <br> Advisers, Inc.<br>| 0.75% | —  | 0.75% | 5.25% | 2.14% | 2.23% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington <br> Balanced Portfolio - Class A<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.52% | —  | 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core <br> Equity Opportunities <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.87% | —  | 0.87% | 7.54% | 8.02% | 10.45% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large <br> Cap Research Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.79% | —  | 0.79% | 15.62% | 12.01% | 13.33% |
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: CBRE <br> Investment Management <br> Listed Real Assets LLC<br>| 0.91% | —  | 0.91% | 6.75% | 4.03% | 3.95% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2025 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.71% | —  | 0.71% | 14.23% | 5.25% | 7.75% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2030 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.74% | —  | 0.74% | 15.16% | 5.98% | 8.61% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2035 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.78% | —  | 0.78% | 16.42% | 7.28% | 9.72% |

---

------

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2040 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.82% | —  | 0.82% | 18.44% | 8.73% | 10.59% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2045 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | —  | 0.85% | 19.53% | 9.16% | 10.82% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2050 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | —  | 0.85% | 19.50% | 9.15% | 10.81% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2055 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | —  | 0.85% | 19.53% | 9.16% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2060 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | —  | 0.85% | 19.53% | 9.17% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2065 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | —  | 0.85% | 19.52% | 9.16% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2070 Portfolio - <br> Service Class 2<br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | —  | 0.85% | 19.59% | —  | —  |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; Harris Oakmark International <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Harris <br> Associates L.P.<br>| 0.97% | —  | 0.97% | 32.78% | 6.46% | 6.74% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Invesco <br> Advisers, Inc.<br>| 0.83% | —  | 0.83% | 15.60% | 7.30% | 11.00% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Invesco <br> Advisers, Inc.<br>| 0.99% | —  | 0.99% | 5.83% | -0.91% | 9.00% |

---

------

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Jennison <br> Associates LLC<br>| 0.79% | —  | 0.79% | 13.72% | 10.01% | 16.41% |
| Allocation | &nbsp;&nbsp;&nbsp; Loomis Sayles Global <br> Allocation Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 1.04% | —  | 1.04% | 12.59% | 6.25% | 9.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 0.80% | —  | 0.80% | 14.90% | 14.77% | 13.91% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 1.15% | —  | 1.15% | 5.02% | 7.17% | 9.15% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap <br> Growth Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 1.14% | —  | 1.14% | 3.73% | 2.28% | 9.84% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond <br> Index Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.51% | —  | 0.51% | 6.80% | -0.88% | 1.51% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index <br> Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.55% | —  | 0.55% | 6.86% | 8.54% | 10.16% |

---

------

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index <br> Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.62% | —  | 0.62% | 30.70% | 8.35% | 7.76% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index <br> Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.55% | —  | 0.55% | 12.33% | 5.71% | 9.27% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.52% | —  | 0.52% | 17.28% | 13.84% | 14.24% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.81% | —  | 0.81% | 22.41% | 5.54% | 7.57% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* <br> - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.87% | —  | 0.87% | 10.83% | 6.15% | 7.38% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.83% | —  | 0.83% | 13.00% | 9.84% | 9.99% |

---

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Morgan Stanley <br> Investment Management <br> Inc.<br>| 0.90% | —  | 0.90% | 13.19% | -5.83% | 14.00% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Neuberger <br> Berman Investment <br> Advisers LLC<br>| 1.06% | —  | 1.06% | -4.74% | 2.62% | 8.86% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; PIMCO Inflation Protected <br> Bond Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Pacific <br> Investment Management <br> Company LLC<br>| 1.38% | —  | 1.38% | 7.74% | 1.15% | 3.09% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; PIMCO Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Pacific <br> Investment Management <br> Company LLC<br>| 0.83% | —  | 0.83% | 8.90% | -0.07% | 2.30% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderate ETF <br> Portfolio - Class B (formerly <br> known as SSGA Growth and <br> Income ETF Portfolio - <br> Class B)<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: SSGA Funds <br> Management, Inc.<br>| 0.75% | —  | 0.75% | 16.78% | 7.19% | 7.85% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderately <br> Aggressive ETF Portfolio - <br> Class B (formerly known as <br> SSGA Growth ETF Portfolio - <br> Class B)<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: SSGA Funds <br> Management, Inc.<br>| 0.78% | —  | 0.78% | 19.23% | 9.01% | 9.31% |

---

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap <br> Growth Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: T. Rowe Price <br> Associates, Inc.<br>| 0.81% | —  | 0.81% | 15.45% | 9.37% | 14.10% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: T. Rowe Price <br> Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment <br> Management, Inc. is the <br> sub-subadviser<br>| 0.95% | —  | 0.95% | 3.42% | 3.83% | 9.77% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap <br> Growth Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: T. Rowe Price <br> Associates, Inc.<br>| 0.76% | —  | 0.76% | 10.00% | 5.48% | 10.60% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap <br> Value Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Victory Capital <br> Management, Inc.<br>| 0.85% | —  | 0.85% | 2.29% | 9.62% | 9.58% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Western Asset Management <br> Strategic Bond Opportunities <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.82% | —  | 0.82% | 8.88% | 1.17% | 3.77% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Western Asset Management <br> U.S. Government Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.75% | —  | 0.75% | 6.81% | 0.35% | 1.57% |

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<sup>\*</sup>

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

<sup>(1)</sup>

The Portfolio has an additional platform fee of 0.25%. This amount is included in the Mortality and Expense Risk Charge and is not a separate charge.

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††

Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds SMALLCAP World Fund<sup>®</sup>.

Fixed Option

The following is information on the Fixed Interest Account currently available under the Contract. You should check with your Employer as to whether the Fixed Interest Account is available under your Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | &nbsp;&nbsp;&nbsp; **Minimum Guaranteed Interest** <br> **Rate\***<br>|
| Fixed Interest Account | &nbsp;&nbsp;&nbsp; **Initial Interest Rate Term:** begins on <br> each calendar quarter and will be <br> credited from the date amounts are <br> allocated to the Fixed Interest <br> Account until the last day of the same <br> calendar quarter of the following year.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Renewal Rate Term:** 12 months.<br>| 3% |

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\*

The Minimum Guaranteed Interest Rate varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.

Investment Allocation Restrictions For Certain Optional Benefits

**Index Selector:**

If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:

**MetLife Aggregate Bond Index** <br>**MetLife Stock Index** <br>**MetLife MSCI EAFE Index** <br>**MetLife Russell 2000 Index** <br>**MetLife Mid Cap Stock Index**

**Lifetime Withdrawal Guarantee**

If You elect the Lifetime Withdrawal Guarantee Optional Benefit, You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:

**Brighthouse Asset Allocation 20** <br>**Brighthouse Asset Allocation 40** <br>**Brighthouse Asset Allocation 60** <br>**Brighthouse Asset Allocation 80**

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This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information, which are dated the same date as this Updating Summary Prospectus, and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling our Administrative Office at (833) 642-1008, by going online at https://dfinview.com/metlife/PUFT/MET000211, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract Values, to change or update Contract information such as your billing address, billing mode, Beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract, You may call our Administrative Office at (833) 642-1008.

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