# EDGAR Filing Document

**Accession Number:** 0000744043
**File Stem:** 0001193125-26-175558
**Filing Date:** 2026-4
**Character Count:** 80028
**Document Hash:** e1943f8463845ccb9f8215e2cb4490cd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-175558.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-175558

**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:** 333-52366
- **FILM NUMBER:** 26890794

**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   |
|:---|:---|:---|
| C000003506 | Preference Plus Select ® Variable Annuity Contracts B Class, Bonus Class, C Class and L Class |  |

April 27, 2026

**Updating Summary Prospectus for Investors in Preference Plus Select**<sup>®</sup> **Variable Annuity Contracts B Class, Bonus Class, C Class and L Class** 

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

This Updating Summary Prospectus includes updating information about individual Preference Plus Select<sup>®</sup> Contracts for deferred variable annuities ("Deferred Annuities") 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/MET000204. You can also obtain this information at no cost by calling our Administrative Office at (800) 638-7732, or by sending an email request to RCG@metlife.com. If your annuity was issued in connection with an employer plan, You should check with your Employer as to which Portfolios are available under your Contract.

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.

**We do not guarantee how any of the Divisions or Portfolios will perform. 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 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_78982d6e-e348-4173-8393-a2adcbb57e4c_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_78982d6e-e348-4173-8393-a2adcbb57e4c_2) | 4  |
| [IMPORTANT TERMS YOU SHOULD KNOW](#xx_79f04a60-2a1d-4015-99e2-b9fa5f3b9128_1) | 8  |
| [APPENDIX A](#xx_34ca4a48-45a4-4210-98c4-aafcded921c5_1)[—](#xx_34ca4a48-45a4-4210-98c4-aafcded921c5_1)[INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_34ca4a48-45a4-4210-98c4-aafcded921c5_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.

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**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.** A Withdrawal Charge of up to 9.00% may be assessed if You <br> make a withdrawal and the amount of the withdrawal is determined <br> to include the withdrawal of any purchase payment paid less than 7 <br> years before the date of the withdrawal.<br> For example, if You purchase a Bonus Class Contract for $100,000 <br> and surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of up to $9,000. | &nbsp;&nbsp; **Yes.** A Withdrawal Charge of up to 9.00% may be assessed if You <br> make a withdrawal and the amount of the withdrawal is determined <br> to include the withdrawal of any purchase payment paid less than 7 <br> years before the date of the withdrawal.<br> For example, if You purchase a Bonus Class Contract for $100,000 <br> and surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of up to $9,000. | &nbsp;&nbsp; **Yes.** A Withdrawal Charge of up to 9.00% may be assessed if You <br> make a withdrawal and the amount of the withdrawal is determined <br> to include the withdrawal of any purchase payment paid less than 7 <br> years before the date of the withdrawal.<br> For example, if You purchase a Bonus Class Contract for $100,000 <br> and surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of up to $9,000. | Charges |
| **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 transfers of 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, we reserve <br> the right to impose a transfer fee of $25 on transfers in excess of 12 <br> in a Contract Year. | &nbsp;&nbsp; **Yes.** In addition to Withdrawal Charges, You also may be charged for <br> other transactions such as transfers of 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, we reserve <br> the right to impose a transfer fee of $25 on transfers in excess of 12 <br> in a Contract Year. | &nbsp;&nbsp; **Yes.** In addition to Withdrawal Charges, You also may be charged for <br> other transactions such as transfers of 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, we reserve <br> the right to impose a transfer fee of $25 on transfers in excess of 12 <br> in a Contract Year. | Charges |
| **Are there Ongoing Fees** <br> **and Expenses?** | &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?** | **Annual Fee** | **Minimum** | **Maximum** | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Base Contract (varies by Contract <br> class)<br>| 1.28%<sup>(1)</sup> <br>| 1.73%<sup>(1)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Investment Options (Portfolio <br> fees and expenses)<br>| 0.42%<sup>(2)</sup> <br>| 1.38%<sup>(2)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Optional benefits available only <br> when your Contract was issued <br> and for an additional charge (for <br> a single optional benefit, if <br> elected)<br>| 0.20%<sup>(3)</sup> <br>| 1.80%<sup>(3)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.03% for the Annual <br> Contract Fee. The Annual Contract Fee is $30 annually and is <br> charged only against amounts in the Separate Account. The <br> Annual Contract Fee is waived if the Account Balance is <br> $50,000 or more. Regardless of the amount of your Account <br> Balance, the entire fee will be deducted if You take a total <br> withdrawal of your Account Balance. During the pay-out phase, <br> we reserve the right to deduct this fee.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio.<br> <sup>(3)</sup> <br>As a percentage of the Total Guaranteed Withdrawal <br> Amount.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.03% for the Annual <br> Contract Fee. The Annual Contract Fee is $30 annually and is <br> charged only against amounts in the Separate Account. The <br> Annual Contract Fee is waived if the Account Balance is <br> $50,000 or more. Regardless of the amount of your Account <br> Balance, the entire fee will be deducted if You take a total <br> withdrawal of your Account Balance. During the pay-out phase, <br> we reserve the right to deduct this fee.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio.<br> <sup>(3)</sup> <br>As a percentage of the Total Guaranteed Withdrawal <br> Amount.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.03% for the Annual <br> Contract Fee. The Annual Contract Fee is $30 annually and is <br> charged only against amounts in the Separate Account. The <br> Annual Contract Fee is waived if the Account Balance is <br> $50,000 or more. Regardless of the amount of your Account <br> Balance, the entire fee will be deducted if You take a total <br> withdrawal of your Account Balance. During the pay-out phase, <br> we reserve the right to deduct this fee.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio.<br> <sup>(3)</sup> <br>As a percentage of the Total Guaranteed Withdrawal <br> Amount.  | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay *each year*, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, **which** <br> **could add Withdrawal Charges that substantially increase costs.** | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay *each year*, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, **which** <br> **could add Withdrawal Charges that substantially increase costs.** | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay *each year*, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, **which** <br> **could add Withdrawal Charges that substantially increase costs.** | Fees |

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**RISKS** **LOCATION IN** **PROSPECTUS** 

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **What are the Risks** <br> **Related to the** <br> **Insurance Company?**<br>| &nbsp;&nbsp; An investment in the Contract is subject to the risks related to the <br> Company. Any obligations (including under any Fixed Interest <br> Account investment option), guarantees, or benefits, including any <br> death benefit, are subject to the claims-paying ability of the <br> Company, and our long term ability to make such payments, and are <br> not guaranteed by any other party. MetLife is regulated as an <br> insurance company under state law, which generally includes limits <br> on the amount and type of investments in its general account. <br> However, there is no guarantee that we will be able to meet our <br> claims paying obligations; there are risks to purchasing any <br> insurance product. More information about the Company, including <br> its financial strength ratings, is available by visiting https://<br> www.metlife.com/about-us/corporate-profile/ratings/. | &nbsp;&nbsp; Principal Risks of <br> Investing in the Contract<br>|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are There Restrictions** <br> **on the Investment** <br> **Options?**<br>| &nbsp;&nbsp; **Yes.** We reserve the right to limit the number of transfers per <br> Contract Year to a maximum of twelve (excluding transfers resulting <br> from automated investment strategies). Currently we do not limit <br> the number of transfers You may make in a Contract Year. Although <br> we do not currently charge a fee for transfers of Account Value <br> among Divisions or between the Divisions and the Fixed Interest <br> Account, we reserve the right to impose a transfer fee in the future <br> of $25 for each transfer over twelve in a Contract Year.<br> Some optional benefits impose restrictions and limitations on your <br> choice of Portfolios. These restrictions and requirements are <br> intended to protect the Company and reduce the likelihood that we <br> will have to pay guaranteed benefits under the optional benefits out <br> of our own assets. The restrictions and requirements could result in <br> your missing out on some or all positive investment performance by <br> certain Portfolios. This means your opportunity for investment gains <br> may be limited. We may change these restrictions in the future.<br> We reserve the right to add, remove or substitute Portfolios.<br> The Company also has policies and procedures that attempt to <br> detect and deter frequent transfers in situations where we <br> determine there is a potential for arbitrage trading, and in those <br> instances, there are additional limits that apply to transfers. | Transfers |
| **Are there any** <br> **Restrictions on** <br> **Contract Benefits?**<br>| &nbsp;&nbsp; **Yes.** Many optional benefits limit or restrict the Portfolios You may <br> select under the Contract. We may change these restrictions in the <br> future.<br> You are required to have a certain Contract Value for some optional <br> benefits. If withdrawals reduce Your Contract below this value, your <br> optional benefits may be reduced or terminated.<br> Withdrawals that exceed limits specified by the terms of an optional <br> benefit may affect the availability of the benefit by reducing the <br> benefit by an amount greater than the value withdrawn, and/or <br> could terminate the benefit.<br> If your annuity was issued in connection with an employer plan, You <br> should check with your employer regarding the availability of riders. | Restrictions on Transfers |

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

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

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**IMPORTANT TERMS YOU SHOULD KNOW**

**Account Value, Account Balance** **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, the Fixed Interest Account and the Enhanced Dollar Cost Averaging Program.

**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 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.

**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 receives a benefit, including continuing payments or a lump sum payment, in the event a Contract Owner or Annuitant, as applicable, dies.

**Contract** — A Contract is the legal agreement between You and MetLife. The Contract contains relevant provisions of your Deferred Annuity or Income 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. If Joint Owners are named, all references to Contract Owner shall mean Joint Owners.

**Contract Year** — The Contract Year for a Deferred Annuity is the one year period starting on the date we issue the Contract and each Contract Anniversary thereafter.

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**Deferred Annuity** — This term is used throughout this Prospectus when we are referring to the Preference Plus Variable Deferred Annuity Contract.

**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).

**Exchange** — The New York Stock Exchange is referred to as the "Exchange."

**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 Divisions 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 or Joint Owner's 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 before submitting the form or request.

**MetLife** — MetLife is Metropolitan Life Insurance Company which is the company that issues the Deferred Annuities and Income 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 Annuities are pooled in the Separate Account and maintained for the benefit of investors in Deferred Annuities and Income Annuities.

**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.

**Withdrawal Charge** — The Withdrawal Charge is the amount we deduct from your Account Balance, 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 "You" is the Contract Owner of the Deferred Annuity or the Income Annuity and can be a natural person, a trust established for the exclusive benefit of a natural person, a charitable remainder trust or other trust arrangement (if approved by MetLife). "You" can also be a Beneficiary of a deceased person's Individual Retirement Account Contract or non-qualified Deferred Annuity who purchases the Deferred Annuity in his or her capacity as Beneficiary. A Contract may have two Contract Owners (both of whom must be individuals). The

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Contract is not available to corporations or other business organizations, except to the extent an employer is the purchaser of a SEP or SIMPLE IRA Contract.

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

The following is a list of Portfolios 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/MET000204. You can also request this information at no cost by calling (800) 638-7732, 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.

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 include. 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>|
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; Baillie Gifford International <br> Stock Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Baillie Gifford <br> Overseas Limited<br>| 0.99% | —  | 0.99% | 18.96% | 0.70% | 7.34% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; Baillie Gifford International <br> Stock Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Baillie Gifford <br> Overseas Limited<br>| 0.89% | —  | 0.89% | 19.13% | 0.80% | 7.45% |
| 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 Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; BlackRock Bond Income <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: BlackRock <br> Advisors, LLC<br>| 0.53% | —  | 0.53% | 7.79% | -0.32% | 2.22% |
| 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% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; BlackRock Ultra-Short Term <br> Bond Portfolio\*<sup>(2)</sup> - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: BlackRock <br> Advisors, LLC<br>| 0.62% | —  | 0.62% | 3.89% | 2.83% | 1.85% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; BlackRock Ultra-Short Term <br> Bond Portfolio\*§ - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: BlackRock <br> Advisors, LLC<br>| 0.52% | —  | 0.52% | 3.99% | 2.93% | 1.95% |
| 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% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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>|
| 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/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% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap <br> Value Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Artisan <br> Partners Limited <br> Partnership<br>| 0.93% | —  | 0.93% | 1.67% | 6.88% | 8.16% |
| 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 B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.77% | —  | 0.77% | 12.38% | 7.18% | 9.14% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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>|
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington <br> Balanced Portfolio† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.67% | —  | 0.67% | 12.51% | 7.29% | 9.25% |
| 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 Core <br> Equity Opportunities <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.77% | —  | 0.77% | 7.65% | 8.13% | 10.56% |
| 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% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large <br> Cap Research Portfolio\*† - <br> Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.69% | —  | 0.69% | 15.74% | 12.14% | 13.45% |
| 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% |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Frontier <br> Capital Management <br> Company, LLC<br>| 0.94% | —  | 0.94% | 4.90% | 3.52% | 9.88% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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; Frontier Mid Cap Growth <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Frontier <br> Capital Management <br> Company, LLC<br>| 0.84% | —  | 0.84% | 5.06% | 3.63% | 9.99% |
| 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% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; Harris Oakmark International <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Harris <br> Associates L.P.<br>| 0.87% | —  | 0.87% | 32.98% | 6.56% | 6.84% |
| 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% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Invesco <br> Advisers, Inc.<br>| 0.73% | —  | 0.73% | 15.71% | 7.40% | 11.12% |
| 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% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Invesco <br> Advisers, Inc.<br>| 0.89% | —  | 0.89% | 5.93% | -0.81% | 9.11% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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% |
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\*† - <br> Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Jennison <br> Associates LLC<br>| 0.69% | —  | 0.69% | 13.86% | 10.12% | 16.53% |
| 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 Growth <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 0.70% | —  | 0.70% | 15.05% | 14.89% | 14.02% |
| 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 Core <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 1.05% | —  | 1.05% | 5.13% | 7.28% | 9.26% |
| 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% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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; Loomis Sayles Small Cap <br> Growth Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 1.04% | —  | 1.04% | 3.80% | 2.38% | 9.95% |
| 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 Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond <br> Index Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.41% | —  | 0.41% | 7.01% | -0.77% | 1.61% |
| 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% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index <br> Portfolio† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.45% | —  | 0.45% | 7.00% | 8.64% | 10.27% |
| 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% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index <br> Portfolio† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.52% | —  | 0.52% | 30.78% | 8.45% | 7.87% |

---

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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>|
| Allocation | &nbsp;&nbsp;&nbsp; MetLife Multi-Index Targeted <br> Risk Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.62% | —  | 0.62% | 9.08% | 2.93% | 5.31% |
| 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 Russell 2000<sup>®</sup> Index <br> Portfolio† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.45% | —  | 0.45% | 12.49% | 5.82% | 9.38% |
| 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% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.42% | —  | 0.42% | 17.41% | 13.95% | 14.36% |
| 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% |

---

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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; MFS<sup>®</sup> Research International <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.71% | —  | 0.71% | 22.54% | 5.64% | 7.68% |
| 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% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.77% | —  | 0.77% | 10.94% | 6.26% | 7.49% |
| 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% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\*† - <br> Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.73% | —  | 0.73% | 13.11% | 9.95% | 10.10% |
| 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% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Morgan Stanley <br> Investment Management <br> Inc.<br>| 0.80% | —  | 0.80% | 13.32% | -5.73% | 14.11% |
| 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 Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Neuberger <br> Berman Investment <br> Advisers LLC<br>| 0.96% | —  | 0.96% | -4.64% | 2.71% | 8.97% |
| 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% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; PIMCO Total Return <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Pacific <br> Investment Management <br> Company LLC<br>| 0.73% | —  | 0.73% | 8.98% | 0.04% | 2.41% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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>|
| 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% |
| 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 Large Cap <br> Growth Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: T. Rowe Price <br> Associates, Inc.<br>| 0.71% | —  | 0.71% | 15.54% | 9.47% | 14.21% |
| 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% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 Mid Cap Growth <br> Portfolio\*† - Class E<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>| 0.85% | —  | 0.85% | 3.62% | 3.92% | 9.88% |
| 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; T. Rowe Price Small Cap <br> Growth Portfolio† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: T. Rowe Price <br> Associates, Inc.<br>| 0.66% | —  | 0.66% | 10.17% | 5.59% | 10.72% |
| 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 Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap <br> Value Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Victory Capital <br> Management, Inc.<br>| 0.75% | —  | 0.75% | 2.42% | 9.74% | 9.70% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Western Asset Management <br> Government Income <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.74% | —  | 0.74% | 7.21% | -1.27% | 1.21% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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; 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> Strategic Bond Opportunities <br> Portfolio\*† - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.72% | —  | 0.72% | 8.95% | 1.27% | 3.88% |
| 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% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Western Asset Management <br> U.S. Government Portfolio\*† - <br> Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.65% | —  | 0.65% | 6.91% | 0.45% | 1.67% |

---

\*

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

†

The Portfolio is no longer available for additional allocations.

§

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

<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.

<sup>(2)</sup>

The BlackRock Ultra-Short Term Bond Division is only available in the C Class Deferred Annuity purchased after April 30, 2003, and Deferred Annuities issued in New York State and Washington State with the GMIB I, the GMIB II, the GMIB Plus I, the GMIB Plus II, the GWB I, the Enhanced GWB, the LWG I, the LWG II or the EDB I.

††

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

Some of the investment choices may not be available under the terms of your Contract. Your Contract or other correspondence we provide You will indicate the Divisions that are available to You.

------

INVESTMENT ALLOCATION RESTRICTIONS FOR CERTAIN OPTIONAL BENEFITS

If You elected the GMIB Plus I or LWG I You are limited to allocating your purchase payments and Account Balance among the funding options below. The MetLife Mutli-Index Targeted Risk is intended in part to reduce the risk of investment losses that could require us to use our own assets to make payments in connection with the guarantees under the GMIB Plus I and LWG I. In addition, other investment options that are available if these optional benefits are not selected may offer the potential for higher returns.

---

| | |
|:---|:---|
| **GMIB Plus I** | **LWG I** |
| **Brighthouse Asset Allocation 20 Division** | **Brighthouse Asset Allocation 20 Division** |
| **Brighthouse Asset Allocation 40 Division** | **Brighthouse Asset Allocation 40 Division** |
| **Brighthouse Asset Allocation 60 Division** | **Brighthouse Asset Allocation 60 Division** |
| **Brighthouse Asset Allocation 80 Division** | **Brighthouse Asset Allocation 80 Division** |
| **American Funds**<sup>®</sup> **Moderation Allocation Division** | &nbsp;&nbsp; **BlackRock Ultra-Short Term Bond Division (available** <br> **with C Class Deferred Annuities issued after April 30,** <br> **2003, and in New York State and Washington State only)**<br>|
| **American Funds**<sup>®</sup> **Balanced Allocation Division** | **American Funds**<sup>®</sup> **Moderate Allocation Division** |
| **American Funds**<sup>®</sup> **Aggressive Allocation Division** | **American Funds**<sup>®</sup> **Balanced Allocation Division** |
| **Fixed Interest Account** | **American Funds**<sup>®</sup> **Aggressive Allocation Division** |
| **State Street Moderately Aggressive ETF Division** | **State Street Moderately Aggressive ETF Division** |
| **State Street Moderate ETF Division** | **State Street Moderate ETF Division** |
| **BlackRock Ultra-Short Term Bond Division (where** <br> **available)**<br>| **MetLife Aggregate Bond Index Division** |
| **MetLife Aggregate Bond Index Division** | **MetLife Multi-Index Targeted Risk Division** |
| **MetLife Multi-Index Targeted Risk Division** | **Western Asset Management**<sup>®</sup> **Government Income Division** |
| **Western Asset Management**<sup>®</sup> **Government Income Division** | **Western Asset Management**<sup>®</sup> **Government Income Division** |

---

If You elect the LWG II, the GMIB Plus II or the EDB I, You must comply with certain investment allocation restrictions. Specifically, You must allocate according to either Option (A) or Option (B) below. The MetLife Mutli-Index Targeted Risk and Fixed Interest Account investment options in Option (A) and Option (B) below are intended in part to reduce the risk of investment losses that could require us to use our own assets to make payments in connection with the guarantees under the LWG II, GMIB Plus II and EDB I. In addition, other investment options that are available if these optional benefits are not selected may offer the potential for higher returns. The Enhanced Dollar Cost Averaging Program is available in either Option (A) or Option (B). Only certain of the automated investment strategies are available under Option (A) and Option (B). (See "Optional Automated Investment Strategies and Optional Enhanced Dollar Cost Averaging Program" and the charts titled "Enhanced Dollar Cost Averaging ("EDCA") Program and Automated Investment Strategies.")

------

**Option A**<sup>(1)(2)</sup>

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| | | |
|:---|:---|:---|
| **100% of purchase payments or** <br> **Account Balance to the following** <br> **Investment Choices** | **American Funds**<sup>®</sup> **Balanced** <br> **Allocation Division**<br>| **Brighthouse Asset Allocation 60** <br> **Division**<br>|
| **100% of purchase payments or** <br> **Account Balance to the following** <br> **Investment Choices** | **American Funds**<sup>®</sup> **Moderate** <br> **Allocation Division**<br>| **MetLife Multi-Index Targeted Risk** <br> **Division**<br>|
| **100% of purchase payments or** <br> **Account Balance to the following** <br> **Investment Choices** | **Brighthouse Asset Allocation 20** <br> **Division**<br>| **State Street Moderate**<br> **ETF Division** |
| **100% of purchase payments or** <br> **Account Balance to the following** <br> **Investment Choices** | **Brighthouse Asset Allocation 40** <br> **Division**<br>| **State Street Moderate**<br> **ETF Division** |

---

<sup>(1)</sup>

You may also allocate purchase payments or Account Balance to the Fixed Interest Account and the BlackRock Ultra-Short Term Bond Division (where available), and may also allocate purchase payments to the EDCA program, provided that your destination portfolios are one or more of the above listed Divisions; You may not allocate purchase payments to an automated investment strategy.

<sup>(2)</sup>

For Contracts for which applications and necessary information were received at our Administrative Office prior to May 4, 2009, the following Divisions are also available under Option (A): American Funds<sup>®</sup> Aggressive Allocation Division, Brighthouse Asset Allocation 80 Division, and State Street Moderately Aggressive ETF Division.

**OR**

**Option B**<sup>(1)(2)</sup>

---

| | | |
|:---|:---|:---|
| **<u>Platform 1</u> (*at least* 30% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices and/or to** <br> **the Fixed Interest Account and the** <br> **BlackRock Ultra-Short Term Bond** <br> **Division (where available)** | **American Funds Bond** | **BlackRock Bond Income** |
| **<u>Platform 1</u> (*at least* 30% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices and/or to** <br> **the Fixed Interest Account and the** <br> **BlackRock Ultra-Short Term Bond** <br> **Division (where available)** | **Brighthouse/Franklin Low Duration** <br> **Total Return**<br>| **MetLife Aggregate Bond Index** |
| **<u>Platform 1</u> (*at least* 30% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices and/or to** <br> **the Fixed Interest Account and the** <br> **BlackRock Ultra-Short Term Bond** <br> **Division (where available)** | **PIMCO Inflation Protection Bond** | **PIMCO Total Return** |
| **<u>Platform 1</u> (*at least* 30% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices and/or to** <br> **the Fixed Interest Account and the** <br> **BlackRock Ultra-Short Term Bond** <br> **Division (where available)** | **Western Asset Management**<sup>®</sup> <br> **Government Income**<br>| **Western Asset Management U.S.** <br> **Government**<br>|

---

------

---

| | | |
|:---|:---|:---|
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **American Funds Growth** | **Jennison Growth** |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **American Funds Growth-Income** | **Loomis Sayles Global Allocation** |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Baillie Gifford International Stock** | **Loomis Sayles Growth** |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **BlackRock Capital Appreciation** | **MetLife Multi-Index Targeted Risk** |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Brighthouse Asset Allocation 100** | **MetLife MSCI EAFE**<sup>®</sup> **Index**  |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Brighthouse/Wellington Balanced** | **MetLife Stock Index** |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Brighthouse/Wellington Core Equity** <br> **Opportunities**<br>| **MFS**<sup>®</sup> **Research International** |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Brighthouse/Wellington Large Cap** <br> **Research**<br>| **MFS**<sup>®</sup> **Total Return** |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Harris Oakmark International** | **MFS**<sup>®</sup> **Value**  |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Western Asset Management** <br> **StrategicBond Opportunities**<br>| **T. Rowe Price Large Cap Growth** |
| **<u>Platform 2</u> (*up to* 70% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Invesco Global Equity** | **Frontier Mid Cap Growth** |
| **<u>Platform 3</u> (*up to* 15% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Brighthouse/Artisan Mid Cap Value** | **Morgan Stanley Discovery** |
| **<u>Platform 3</u> (*up to* 15% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **MetLife Mid Cap Stock Index** | **Victory Sycamore Mid Cap Value** |
| **<u>Platform 3</u> (*up to* 15% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **T. Rowe Price Mid Cap Growth** | **Clarion Global Real Estate** |
| **<u>Platform 4</u> (*up to* 15% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **American Funds SMALLCAP World** <br> **Fund**<sup>®</sup> <br>| **Loomis Sayles Small Cap Core** |
| **<u>Platform 4</u> (*up to* 15% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Invesco Small Cap Growth** | **MetLife Russell 2000**<sup>®</sup> **Index**  |
| **<u>Platform 4</u> (*up to* 15% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Loomis Sayles Small Cap Growth** | **T. Rowe Price Small Cap Growth** |
| **<u>Platform 4</u> (*up to* 15% of purchase** <br> **payments or Account Balance to the** <br> **following investment choices)** | **Neuberger Berman Genesis** | **T. Rowe Price Small Cap Growth** |

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<sup>(1)</sup>

For Contracts for which applications and necessary information were received at our Administrative Office prior to May 4, 2009 the following investment allocation restrictions apply under Option (B): You must allocate at least 15% of purchase payments or Account Balance to Platform 1 investment choices and/or the Fixed Interest Account and the BlackRock Ultra-Short Term Bond Division (where available) and You may allocate up to 85% of purchase payments or Account Balance to Platform 2 investment choices (the percentages for Platforms 3 and 4 are the same as those listed above)

<sup>(2)</sup>

We determine whether an investment choice is classified as Platform 1, Platform 2, Platform 3 or Platform 4. We may determine or change the classification of an investment choice in the event that an investment choice is added, deleted, substituted, merged or otherwise reorganized. You will not be required to reallocate purchase payments or Account Balance that You allocated to an investment choice before we changed its classification, unless You make a new purchase payment or request a transfer among investment choices (other than pursuant to rebalancing and an Enhanced Dollar Cost Averaging Program in existence at the time the classification of the investment choice changed). If You make a new purchase payment or request a transfer among investment choices, You will be required to take the new classification into account in the allocation of your entire Account Balance. We will provide You with prior written notice of any changes in classification of investment choices.

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If You have elected the GMAB, we require You to allocate your purchase payments and all of your Account Balance to one of the asset allocation Divisions listed below:

**-Brighthouse Asset Allocation 20 Division** <br>**-Brighthouse Asset Allocation 40 Division** <br>**-Brighthouse Asset Allocation 60 Division**

You may also allocate purchase payments to the Enhanced Dollar Cost Averaging Program, if available, provided that any amounts transferred from the program to a Division must be transferred to the one Division You have chosen.

**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 (or the BlackRock Ultra-Short Term Bond Division in lieu of the Fixed Interest Account for the C Class Deferred Annuities, a Deferred Annuity issued in New York State and Washington State with GMIB I, GMIB II, GWB I, Enhanced GWB or the LWG I):

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

**Guaranteed Minimum Accumulation Benefit.** The asset allocation Divisions available if you choose the GMAB and the percentage of purchase payments that determine the guaranteed amount and the number of years to the Maturity Date for each are:

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| | | |
|:---|:---|:---|
| **Division** | &nbsp;&nbsp; **Guaranteed Amount (% of Purchase** <br> **Payments)**<br>| **Years to Maturity Date** |
| Brighthouse Asset Allocation 20 <br> Division<br>| 130% | 10 years |
| Brighthouse Asset Allocation 40 <br> Division<br>| 120% | 10 years |
| Brighthouse Asset Allocation 60 <br> Division<br>| 110% | 10 years |

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**Optional Enhanced Dollar Cost Averaging Program and Automated Investment Strategies.** The Enhanced Dollar Cost Averaging Program is available in either Option (A) or Option (B). If You choose to allocate according to Option (B) above, and You choose to allocate a purchase payment to the Enhanced Dollar Cost Averaging Program, You must allocate the entire purchase payment to that program. Any transfer from an Enhanced Dollar Cost Averaging Program balance must be allocated in accordance with the limitations described above. In addition, if You made previous purchase payments before allocating a purchase payment to the Enhanced Dollar Cost Averaging Program, all transfers from the Enhanced Dollar Cost Averaging Program balance must be allocated to the same Divisions as your most recent allocations for purchase payments. The Rebalancer is available in Option (A). Only the Conservative and Conservative to Moderate Models of Index Selector are available in Option (A). Index Selector is not available if You choose Option (B).

Your purchase payments and transfer requests must be allocated in accordance with the above limitations. We will reject any purchase payments or transfer requests that do not comply with the above limitations.

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**Rebalancing.** If You choose to allocate according to Option (B) above, we will rebalance your Account Balance on a quarterly basis based on your most recent allocation of purchase payments that complies with the allocation limitations described above. We will also rebalance your Account Balance when we receive a subsequent purchase payment that is accompanied by new allocation instructions (in addition to the quarterly rebalancing). We will first rebalance your Account Balance on the date that is three months from the optional benefit issue date; provided however, if a quarterly rebalancing date occurs on the 29th, 30th or 31st of a month, we will instead rebalance on the first day of the following month. We will subsequently rebalance your Account Balance on each quarter thereafter on the same day. In addition, if a quarterly rebalancing date is not a business day, the reallocation will occur on the next business day. Withdrawals from the Contract will not result in rebalancing on the date of withdrawal. The rebalancing requirement described above does not apply if You choose to allocate according to Option (A) above.

**Fixed Option**

The following is information on the Fixed Interest Account currently available under the Contract. The Fixed Interest Account is not available for C Class Contracts purchased after April 30, 2003, the GMAB option or any Deferred Annuity with an optional Living Benefit issued in the states of New York and Washington.

We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account if (1) the interest rate we credit in the Fixed Interest Account is equal to the guaranteed minimum rate as stated in your Contract; or (2) Your Account Value in the Fixed Interest Account Value is equal to or exceeds our maximum for Fixed Interest Account allocations (i.e., $1,000,000). If such restriction occurs, we will notify You of such change.

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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:** The <br> interest rate for each amount <br> allocated to the Fixed Interest <br> Account is set by us in advance. <br> Thereafter, each year a new rate will <br> apply to that amount plus the interest <br> previously credited to that amount. <br> The new rate will be set by us in <br> advance and will apply for 12 months. <br> Interest will be credited to the Fixed <br> Account on a daily basis. We may <br> declare interest rates for different <br> one-year periods. If we do so we will <br> tell you in advance<br> Renewal Rate Term: 12 months<br>| 1% |

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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.

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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 (800) 638-7732, by going online at https://dfinview.com/metlife/PUFT/MET000204, 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 (800) 638-7732.

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