# EDGAR Filing Document

**Accession Number:** 0000815915
**File Stem:** 0001193125-26-168878
**Filing Date:** 2026-4
**Character Count:** 52560
**Document Hash:** ed6255f9a2a366e76258defc5d416c7e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-168878.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-168878

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Brighthouse Variable Annuity Account C
- **CENTRAL INDEX KEY:** 0000815915

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-200255
- **FILM NUMBER:** 26881442

**BUSINESS ADDRESS:**
- **STREET 1:** BRIGHTHOUSE LIFE INSURANCE CO
- **STREET 2:** 11225 NORTH COMMUNITY HOUSE ROAD
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28277
- **BUSINESS PHONE:** 980-365-7100

**MAIL ADDRESS:**
- **STREET 1:** BRIGHTHOUSE LIFE INSURANCE CO
- **STREET 2:** 11225 NORTH COMMUNITY HOUSE ROAD
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28277

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** METLIFE INVESTORS VARIABLE ANNUITY ACCOUNT ONE
- **DATE OF NAME CHANGE:** 20010416

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** COVA VARIABLE ANNUITY ACCOUNT ONE
- **DATE OF NAME CHANGE:** 19960314

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** XEROX VARIABLE ANNUITY ACCOUNT ONE
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### BRIGHTHOUSE VARIABLE ANNUITY ACCOUNT C (Series ID: S000005147)

| Class ID   | Class Name                                                                              | Ticker Symbol   |
|:---|:---|:---|
| C000151846 | Cova Variable Annuity/Firstar Summit VA/Premier Advisor VA/Destiny Select VA/Prevail VA |  |

![](g352619bhouse_logo.jpg)

**The Fixed And Variable Annuity**

**issued by**

**Brighthouse Life Insurance Company**

**and**

**Brighthouse Variable Annuity Account C**

**COVA VARIABLE ANNUITY, FIRSTAR SUMMIT VARIABLE ANNUITY, PREMIER ADVISOR VARIABLE ANNUITY, DESTINY SELECT VARIABLE ANNUITY, PREVAIL VARIABLE ANNUITY**

**Updating Summary Prospectus**

**April 27, 2026**

**A flexible premium deferred variable annuity contract** <br>

The prospectus for the Cova Variable Annuity, Firstar Summit Variable Annuity, Premier Advisor Variable Annuity, Destiny Select Variable Annuity, and Prevail Variable Annuity (the "contracts"), flexible premium deferred variable annuity contracts issued by Brighthouse Life Insurance Company ("BLIC", the "Company", or "we" or "us"), is available and contains more information about the contracts including their features, benefits, and risks. You can find the current prospectus and other information about the contracts online at https://dfinview.com/BHF/PUFT/BHF236 for Cova Variable Annuity, https://dfinview.com/BHF/PUFT/BHF148 for Firstar Summit Variable Annuity, https://dfinview.com/BHF/PUFT/BHF149 for Premier Advisor Variable Annuity, https://dfinview.com/BHF/PUFT/BHF147 for Destiny Select Variable Annuity and https://dfinview.com/BHF/PUFT/BHF150 for Prevail Variable Annuity. You can also obtain this information at no cost by calling (800) 343-8496 or by sending an email request to rcg@brighthousefinancial.com.

The contract is a complex investment and involves risks, including potential loss of principal. The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals (partial or full) could result in withdrawal charges, taxes, and tax penalties.

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

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

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
|  | **Page** |
| [Special Terms](#xx_70e96e26-f649-4c90-a217-af2e415537ab_1) | 3  |
| [Updated Information You Should Consider About the Contract](#xx_70e96e26-f649-4c90-a217-af2e415537ab_1) | 3  |
| [Important Information You Should Consider About the Contract](#xx_c198736c-80c6-4e0b-b174-5eedd09bbf59_1) | 4  |
| [APPENDIX A: Investment Options Available Under the Contract](#xx_ce0b5b69-853c-47fc-a99d-55f31dfe2814_2) | A-1 |

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**Special Terms** 

**Accumulation Phase**. The period under a contract in which earnings accumulate on a tax-deferred basis.

**Fixed Account.** The Fixed Account is part of our general account and offers an interest rate that is guaranteed by us. Our general account consists of all assets owned by us other than those in the Separate Account and our other separate accounts.

**Investment Portfolios or Variable Investment Portfolios.** The means of investing offered to owners in various underlying fund portfolios. May also be referred to as "Portfolio Company."

**Purchase Payment.** A Purchase Payment is the money you give us to invest in your contract.

**Separate Account.** We have established Brighthouse Variable Annuity Account C to hold the assets that underlie the contracts other than assets in the Fixed Account.

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

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

On November 6, 2025, Brighthouse Financial, Inc. ("BHF") and Aquarian Capital LLC ("Aquarian") announced that they had entered into a definitive agreement under which an affiliate of Aquarian will acquire BHF. This transaction is subject to the satisfaction or waiver of customary closing conditions, including receipt of applicable regulatory approvals. Subject to such approvals and the satisfaction or waiver of the other conditions, the transaction is expected to be consummated in 2026.

Upon the consummation of the transaction, Aquarian will become the ultimate parent of BHF and BLIC will remain an indirect wholly-owned subsidiary of BHF. Although Aquarian will replace BHF as BLIC's ultimate parent, BLIC will continue in its present role as the issuer of your contract. All of your rights and benefits under your contract and BLIC's obligations under the contract will remain unchanged.

Founded in 2017, Aquarian Capital is a diversified global holding company with a strategic portfolio of insurance and asset management solutions. Aquarian is headquartered in New York, NY.

**Changes Affecting the Investment Portfolios**

**Portfolio Name Change.** An Investment Portfolio was subject to a name change. The chart below identifies the former name and new name of this Investment Portfolio.

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| | |
|:---|:---|
| **Former Name** | **New Name** |
| **Brighthouse Funds Trust I** | **Brighthouse Funds Trust I** |
| SSGA Emerging Markets Enhanced Index Portfolio  | State Street Emerging Markets Enhanced Index Portfolio |

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

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| | | |
|:---|:---|:---|
|  | **Fees, Expenses, and Adjustments** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There** <br> **Charges or** <br> **Adjustments for** <br> **Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** If you withdraw money during the first 5 full years following a purchase <br> payment, you may be assessed a withdrawal charge of 5% of the purchase <br> payment withdrawn.<br> For example, if you make an early withdrawal, you could pay a withdrawal <br> charge of up to $5,000 on a $100,000 investment. This loss will be greater if <br> there are taxes or tax penalties. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Expenses –**<br> **Withdrawal** <br> **Charge**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to withdrawal charges, you also may be charged for the <br> following transactions: transfers of cash value between investment options, which <br> include the variable investment portfolios and the fixed account.<br> *Transfer Fee*. Currently, we allow unlimited transfers among the investment <br> options without charge. However, we reserve the right to charge for transfers <br> after the first 12 transfers per year. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Expenses –** <br> **Transfer Fee**<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;**Fees, Expenses, and Adjustments** **Location in** **Prospectus** 

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

&nbsp;&nbsp;&nbsp;&nbsp;**Risks** 

&nbsp;&nbsp;&nbsp;&nbsp;**Restrictions** 

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&nbsp;&nbsp;&nbsp;&nbsp;**Taxes** **Location in** **Prospectus** 

&nbsp;&nbsp;&nbsp;&nbsp;**Conflicts of Interest** 

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**APPENDIX A**

**Investment Options Available Under the Contract**

The following is a list of investment portfolios under the contract. More information about the investment portfolios is available in the prospectuses for the investment portfolios, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF236 for Cova Variable Annuity, https://dfinview.com/BHF/PUFT/BHF148 for Firstar Summit Variable Annuity, https://dfinview.com/BHF/PUFT/BHF149 for Premier Advisor Variable Annuity, https://dfinview.com/BHF/PUFT/BHF147 for Destiny Select Variable Annuity and https://dfinview.com/BHF/PUFT/BHF150 for Prevail Variable Annuity. You can also request this information at no cost by calling (800) 343-8496 or sending an email request to rcg@brighthousefinancial.com. Depending on the version of the contract that you purchased, you may not be able to invest in certain investment portfolios. See below for the Investment Portfolios available under your Contract.

The current expenses and performance information below reflects fees and expenses of the investment portfolio, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each investment portfolio's past performance is not necessarily an indication of future performance.

If you purchased the COVA VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available:

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of capital. | &nbsp;&nbsp; Invesco V.I. EQV International <br> Equity Fund — Series I††<br> *Invesco Advisers, Inc.*<br>| 0.90% | 16.50% | 3.68% | 6.22% |
| Seeks capital growth and income. | &nbsp;&nbsp; Invesco Comstock <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.81% | 17.31% | 15.15% | 11.83% |
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco Global Equity <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco Global Equity <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.83% | 15.60% | 7.30% | 11.00% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Loomis Sayles Growth <br> Portfolio — Class B††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Loomis, Sayles &* <br> *Company, L.P.*<br>| 0.80% | 14.90% | 14.77% | 13.91% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Research International <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.56% | 22.72% | 5.80% | 7.83% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks capital appreciation. | &nbsp;&nbsp; Morgan Stanley Discovery <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Morgan Stanley* <br> *Investment Management Inc.*<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| Seeks maximum total return, <br> consistent with the preservation of <br> capital and prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Seeks long-term capital appreciation <br> by investing in common stocks <br> believed to be undervalued. Income <br> is a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.53% | 12.32% | 10.55% | 10.36% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; T. Rowe Price Mid Cap Growth <br> Portfolio — Class B††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br> *Sub-Subadviser: T. Rowe Price* <br> *Investment Management, Inc.*<br>| 0.95% | 3.42% | 3.83% | 9.77% |
| Seeks high total return by investing <br> in equity securities of mid-sized <br> companies.<br>| &nbsp;&nbsp; Victory Sycamore Mid Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Victory Capital* <br> *Management Inc.*<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Baillie Gifford International Stock <br> Portfolio — Class B††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Baillie Gifford Overseas* <br> *Limited*<br>| 0.99% | 18.96% | 0.70% | 7.34% |
| Seeks a competitive total return <br> primarily from investing in fixed-<br> income securities.<br>| &nbsp;&nbsp; BlackRock Bond Income <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.63% | 7.68% | -0.42% | 2.12% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; BlackRock Capital Appreciation <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.56% | 13.19% | 11.07% | 15.80% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks a high level of current income <br> consistent with prudent investment <br> risk and preservation of capital.<br>| &nbsp;&nbsp; BlackRock Ultra-Short Term Bond <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Seeks to provide a growing stream of <br> income over time and, secondarily, <br> long-term capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Jennison Growth <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.79% | 13.72% | 10.01% | 16.41% |
| Seeks a favorable total return <br> through investment in a diversified <br> portfolio.<br>| &nbsp;&nbsp; MFS<sup>®</sup> Total Return <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.62% | 11.11% | 6.42% | 7.65% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.83% | 13.00% | 9.84% | 9.99% |
| Seeks high total return, consisting <br> principally of capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; T. Rowe Price Large Cap Growth <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| Seeks long-term capital growth. | &nbsp;&nbsp; T. Rowe Price Small Cap Growth <br> Portfolio — Class A<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| Seeks to maximize total return <br> consistent with preservation of <br> capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term capital growth. | &nbsp;&nbsp; Templeton Foreign VIP <br> Fund — Class 1††<br> *Templeton Investment Counsel,* <br> *LLC*<br>| 0.83% | 29.51% | 8.52% | 6.01% |
| Seeks capital growth and current <br> income.<br>| &nbsp;&nbsp; Putnam VT Large Cap Value <br> Fund — Class IB<br> *Putnam Investment Management,* <br> *LLC*<br>| 0.79% | 20.35% | 15.38% | 13.30% |

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#

Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in the Current Expenses. Please see the Investment Portfolios' prospectuses for additional information regarding these arrangements.

††

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

If you purchased the FIRSTAR SUMMIT VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available:

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of capital. | &nbsp;&nbsp; Invesco V.I. EQV International <br> Equity Fund — Series I<br> *Invesco Advisers, Inc.*<br>| 0.90% | 16.50% | 3.68% | 6.22% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Research International <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Seeks maximum total return, <br> consistent with the preservation of <br> capital and prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Seeks to provide total return, <br> primarily through capital <br> appreciation.<br>| &nbsp;&nbsp; State Street Emerging Markets <br> Enhanced Index <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc*<br>| 0.55% | 34.45% | 6.31% | —  |
| Seeks long-term capital appreciation <br> by investing in common stocks <br> believed to be undervalued. Income <br> is a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.53% | 12.32% | 10.55% | 10.36% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of capital. | &nbsp;&nbsp; Baillie Gifford International Stock <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Baillie Gifford Overseas* <br> *Limited*<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; BlackRock Capital Appreciation <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.56% | 13.19% | 11.07% | 15.80% |
| Seeks a high level of current income <br> consistent with prudent investment <br> risk and preservation of capital.<br>| &nbsp;&nbsp; BlackRock Ultra-Short Term Bond <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Jennison Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Seeks high total return, consisting <br> principally of capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Seeks to maximize total return <br> consistent with preservation of <br> capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| Seeks long-term capital growth. | &nbsp;&nbsp; Templeton Foreign VIP <br> Fund — Class 1#<br> *Templeton Investment Counsel,* <br> *LLC*<br>| 0.83% | 29.51% | 8.52% | 6.01% |

---

#

Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in the Current Expenses. Please see the Investment Portfolios' prospectuses for additional information regarding these arrangements.

††

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

If you purchased the PREMIER ADVISOR VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available:

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of capital. | &nbsp;&nbsp; Invesco V.I. EQV International <br> Equity Fund — Series I<br> *Invesco Advisers, Inc.*<br>| 0.90% | 16.50% | 3.68% | 6.22% |
| Seeks total return through <br> investment in real estate securities, <br> emphasizing both capital <br> appreciation and current income.<br>| &nbsp;&nbsp; CBRE Global Real Estate <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: CBRE Investment* <br> *Management Listed Real Assets* <br> *LLC*<br>| 0.66% | 7.11% | 4.30% | 4.22% |
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco Global Equity <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Loomis Sayles Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Loomis, Sayles &* <br> *Company, L.P.*<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Research International <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Seeks capital appreciation. | &nbsp;&nbsp; Morgan Stanley Discovery <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Morgan Stanley* <br> *Investment Management Inc.*<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| Seeks maximum total return, <br> consistent with the preservation of <br> capital and prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Seeks to provide total return, <br> primarily through capital <br> appreciation.<br>| &nbsp;&nbsp; State Street Emerging Markets <br> Enhanced Index <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc*<br>| 0.55% | 34.45% | 6.31% | —  |
| Seeks long-term capital appreciation <br> by investing in common stocks <br> believed to be undervalued. Income <br> is a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.53% | 12.32% | 10.55% | 10.36% |

---

------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks high total return by investing <br> in equity securities of mid-sized <br> companies.<br>| &nbsp;&nbsp; Victory Sycamore Mid Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Victory Capital* <br> *Management Inc.*<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| Seeks a competitive total return <br> primarily from investing in fixed-<br> income securities.<br>| &nbsp;&nbsp; BlackRock Bond Income <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; BlackRock Capital Appreciation <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.56% | 13.19% | 11.07% | 15.80% |
| Seeks a high level of current income <br> consistent with prudent investment <br> risk and preservation of capital.<br>| &nbsp;&nbsp; BlackRock Ultra-Short Term Bond <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Seeks to provide a growing stream of <br> income over time and, secondarily, <br> long-term capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Jennison Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Seeks high total return, consisting <br> principally of capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; T. Rowe Price Large Cap Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| Seeks long-term capital growth. | &nbsp;&nbsp; T. Rowe Price Small Cap Growth <br> Portfolio — Class A<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.51% | 10.30% | 5.75% | 10.88% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks to maximize total return <br> consistent with preservation of <br> capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| Seeks reasonable income. The fund <br> will also consider the potential for <br> capital appreciation. The fund's goal <br> is to achieve a yield which exceeds <br> the composite yield on the securities <br> comprising the S&P 500<sup>®</sup> Index.<br>| &nbsp;&nbsp; Equity-Income Portfolio — Initial <br> Class<br> *Fidelity Management & Research* <br> *Company LLC*<br> *Subadviser: FMR UK, FMR HK, and* <br> *FMR Japan*<br>| 0.46% | 19.02% | 12.51% | 11.60% |
| Seeks to provide capital growth. | &nbsp;&nbsp; Growth Opportunities <br> Portfolio — Initial Class<br> *Fidelity Management & Research* <br> *Company LLC*<br> *Subadviser: FMR UK, FMR HK, and* <br> *FMR Japan*<br>| 0.56% | 22.02% | 11.31% | 19.94% |
| Seeks long-term capital growth. | &nbsp;&nbsp; Templeton Foreign VIP <br> Fund — Class 1#<br> *Templeton Investment Counsel,* <br> *LLC*<br>| 0.83% | 29.51% | 8.52% | 6.01% |

---

#

Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in the Current Expenses. Please see the Investment Portfolios' prospectuses for additional information regarding these arrangements.

††

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

If you purchased the DESTINY SELECT VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of capital. | &nbsp;&nbsp; Invesco V.I. EQV International <br> Equity Fund — Series I<br> *Invesco Advisers, Inc.*<br>| 0.90% | 16.50% | 3.68% | 6.22% |
| Seeks long-term capital appreciation. | &nbsp;&nbsp; Brighthouse Small Cap Value <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Allspring Global* <br> *Investments, LLC*<br>| 0.78% | -2.92% | 6.70% | 8.34% |
| Seeks total return through <br> investment in real estate securities, <br> emphasizing both capital <br> appreciation and current income.<br>| &nbsp;&nbsp; CBRE Global Real Estate <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: CBRE Investment* <br> *Management Listed Real Assets* <br> *LLC*<br>| 0.66% | 7.11% | 4.30% | 4.22% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco Global Equity <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Loomis Sayles Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Loomis, Sayles &* <br> *Company, L.P.*<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Research International <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Seeks capital appreciation. | &nbsp;&nbsp; Morgan Stanley Discovery <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Morgan Stanley* <br> *Investment Management Inc.*<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| Seeks maximum total return, <br> consistent with the preservation of <br> capital and prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Seeks to provide total return, <br> primarily through capital <br> appreciation.<br>| &nbsp;&nbsp; State Street Emerging Markets <br> Enhanced Index <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc*<br>| 0.55% | 34.45% | 6.31% | —  |
| Seeks long-term capital appreciation <br> by investing in common stocks <br> believed to be undervalued. Income <br> is a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.53% | 12.32% | 10.55% | 10.36% |
| Seeks high total return by investing <br> in equity securities of mid-sized <br> companies.<br>| &nbsp;&nbsp; Victory Sycamore Mid Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Victory Capital* <br> *Management Inc.*<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; BlackRock Capital Appreciation <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.56% | 13.19% | 11.07% | 15.80% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks to provide a growing stream of <br> income over time and, secondarily, <br> long-term capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Jennison Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Seeks high total return, consisting <br> principally of capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; T. Rowe Price Large Cap Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| Seeks long-term capital growth. | &nbsp;&nbsp; T. Rowe Price Small Cap Growth <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| Seeks to maximize total return <br> consistent with preservation of <br> capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| Seeks reasonable income. The fund <br> will also consider the potential for <br> capital appreciation. The fund's goal <br> is to achieve a yield which exceeds <br> the composite yield on the securities <br> comprising the S&P 500<sup>®</sup> Index.<br>| &nbsp;&nbsp; Equity-Income Portfolio — Initial <br> Class<br> *Fidelity Management & Research* <br> *Company LLC*<br> *Subadviser: FMR UK, FMR HK, and* <br> *FMR Japan*<br>| 0.46% | 19.02% | 12.51% | 11.60% |
| Seeks to provide capital growth. | &nbsp;&nbsp; Growth Opportunities <br> Portfolio — Initial Class<br> *Fidelity Management & Research* <br> *Company LLC*<br> *Subadviser: FMR UK, FMR HK, and* <br> *FMR Japan*<br>| 0.56% | 22.02% | 11.31% | 19.94% |
| Seeks long-term capital growth. | &nbsp;&nbsp; Templeton Foreign VIP <br> Fund — Class 1#<br> *Templeton Investment Counsel,* <br> *LLC*<br>| 0.83% | 29.51% | 8.52% | 6.01% |

---

#

Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in the Current Expenses. Please see the Investment Portfolios' prospectuses for additional information regarding these arrangements.

------

††

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

If you purchased the PREVAIL VARIABLE ANNUITY, the following investment portfolios (other than those marked ††) are available:

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of capital. | &nbsp;&nbsp; Invesco V.I. EQV International <br> Equity Fund — Series I<br> *Invesco Advisers, Inc.*<br>| 0.90% | 16.50% | 3.68% | 6.22% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Research International <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Seeks capital appreciation. | &nbsp;&nbsp; Morgan Stanley Discovery <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Morgan Stanley* <br> *Investment Management Inc.*<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| Seeks maximum total return, <br> consistent with the preservation of <br> capital and prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Seeks long-term capital appreciation <br> by investing in common stocks <br> believed to be undervalued. Income <br> is a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.53% | 12.32% | 10.55% | 10.36% |
| Seeks high total return by investing <br> in equity securities of mid-sized <br> companies.<br>| &nbsp;&nbsp; Victory Sycamore Mid Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Victory Capital* <br> *Management Inc.*<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| Seeks a competitive total return <br> primarily from investing in fixed-<br> income securities.<br>| &nbsp;&nbsp; BlackRock Bond Income <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; BlackRock Capital Appreciation <br> Portfolio — Class A††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.56% | 13.19% | 11.07% | 15.80% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks a high level of current income <br> consistent with prudent investment <br> risk and preservation of capital.<br>| &nbsp;&nbsp; BlackRock Ultra-Short Term Bond <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Seeks to provide a growing stream of <br> income over time and, secondarily, <br> long-term capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Jennison Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Seeks high total return, consisting <br> principally of capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; T. Rowe Price Large Cap Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| Seeks to maximize total return <br> consistent with preservation of <br> capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| Seeks reasonable income. The fund <br> will also consider the potential for <br> capital appreciation. The fund's goal <br> is to achieve a yield which exceeds <br> the composite yield on the securities <br> comprising the S&P 500<sup>®</sup> Index.<br>| &nbsp;&nbsp; Equity-Income Portfolio — Initial <br> Class<br> *Fidelity Management & Research* <br> *Company LLC*<br> *Subadviser: FMR UK, FMR HK, and* <br> *FMR Japan*<br>| 0.46% | 19.02% | 12.51% | 11.60% |
| Seeks to provide capital growth. | &nbsp;&nbsp; Growth Opportunities <br> Portfolio — Initial Class<br> *Fidelity Management & Research* <br> *Company LLC*<br> *Subadviser: FMR UK, FMR HK, and* <br> *FMR Japan*<br>| 0.56% | 22.02% | 11.31% | 19.94% |

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Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in the Current Expenses. Please see the Investment Portfolios' prospectuses for additional information regarding these arrangements.

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Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.The following lists the fixed account option currently available under the contract. The fixed account listed below will also be used if you participate in the Dollar Cost Averaging Program and instruct us to make transfers to or from the fixed account. We may change the features of the fixed account listed below,

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offer new fixed account investment options, and terminate existing fixed account investment options. We will provide you with written notice before doing so.

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| | |
|:---|:---|
| **Name** | **Guaranteed Minimum Interest Rate** |
| Fixed account | 3% |

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![](g352619bhouse_logo.jpg)

The prospectus and statement of additional information ("SAI") include additional information. [The prospectus and](https://www.sec.gov/Archives/edgar/data/815915/000119312526161038/d59931d485bpos.htm)[SAI are dated the same as this summary prospectus and are incorporated by reference.](https://www.sec.gov/Archives/edgar/data/815915/000119312526161038/d59931d485bpos.htm) The prospectus and SAI are available, without charge, upon request. For a free copy, call us at (888) 243-1932, or send an email request to rcg@brighthousefinancial.com. You can also access the prospectus, SAI and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF236 for Cova Variable Annuity, https://dfinview.com/BHF/PUFT/BHF148 for Firstar Summit Variable Annuity, https://dfinview.com/BHF/PUFT/BHF149 for Premier Advisor Variable Annuity, https://dfinview.com/BHF/PUFT/BHF147 for Destiny Select Variable Annuity and https://dfinview.com/BHF/PUFT/BHF150 for Prevail Variable Annuity.

Reports and other information about the Separate Account are available on the SEC's website at https://www.sec.gov/ and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

EDGAR Contract Identifier No. is C000151846

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