# EDGAR Filing Document

**Accession Number:** 0002041679
**File Stem:** 0001193125-26-183713
**Filing Date:** 2026-4
**Character Count:** 26216
**Document Hash:** 73fdde0333a528497671f4d91245fee5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-183713.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0001193125-26-183713

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 9

**FILED AS OF DATE**: 20260428

**DATE AS OF CHANGE**: 20260428

**EFFECTIVENESS DATE**: 20260428

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-290021
- **FILM NUMBER:** 26903296

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

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

## Series and Classes Contracts Data

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

---

|  |  |
|:---|:---|
| Class Name                              | Class ID   |
| Fixed Annuity (Strategic Value Annuity) | C000266101 |

---

## Series and Classes Contracts Data

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

| Class ID   | Class Name                              | Ticker Symbol   |
|:---|:---|:---|
| C000266101 | Fixed Annuity (Strategic Value Annuity) |  |

?xml version='1.0' encoding='ASCII'? Fixed Account Annuity

**Fixed Annuity (Strategic Value Annuity)** 

**STATEMENT OF ADDITIONAL INFORMATION** 

**Dated** 

**April 27, 2026** 

**For Variable Annuity Contracts** 

**ISSUED BY** 

**BRIGHTHOUSE LIFE INSURANCE COMPANY** 

This Statement of Additional Information ("SAI") is not a prospectus but relates to, and should be read in conjunction with, the Prospectus dated April 27, 2026. A copy of the Contract Prospectus may be obtained by writing to Brighthouse Life Insurance Company, P.O. Box 4261, Clinton, IA 52733-4261, or by calling (833) 208-3018, by visiting https://dfinview.com/BHF/PUFT/BHF107?site=BHF1 or by accessing the Securities and Exchange Commission's website at http://www.sec.gov/.

The SAI contains information in addition to the information described in the Prospectus for the Annuity Contracts (the "Contract(s)") offered by Brighthouse Life Insurance Company ("we", "our", or the "Company").

Book 074 SAI

------

**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
|  | **Page** |
| [THE INSURANCE COMPANY](#xx_b6720177-42a0-4728-b43f-553ede67650f_1) | 2 |
| [SERVICES](#xx_b6720177-42a0-4728-b43f-553ede67650f_2) | 3 |
| [PRINCIPAL UNDERWRITER](#xx_b6720177-42a0-4728-b43f-553ede67650f_2) | 3 |
| [CUSTODIAN](#xx_b6720177-42a0-4728-b43f-553ede67650f_2) | 3 |
| [PRINCIPAL UNDERWRITING AND DISTRIBUTION AGREEMENT](#xx_b6720177-42a0-4728-b43f-553ede67650f_2) | 3 |
| [Underwriting Commissions](#xx_b6720177-42a0-4728-b43f-553ede67650f_2) | 3 |
| [CALCULATION OF ANNUITY UNIT VALUE](#xx_b6720177-42a0-4728-b43f-553ede67650f_4) | 5 |
| [Legal or Regulatory Restrictions on Transactions](#xx_b6720177-42a0-4728-b43f-553ede67650f_5) | 6 |
| [Market Adjusted Value Examples](#xx_b6720177-42a0-4728-b43f-553ede67650f_5) | 6 |
| [INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM](#xx_b6720177-42a0-4728-b43f-553ede67650f_7) | 8 |
| [FINANCIAL STATEMENTS](#xx_b6720177-42a0-4728-b43f-553ede67650f_7) | 8 |
| [Changes In And Disagreements With Accountants](#xx_5f4734fd-af59-47e1-9475-fdae1e552543_1) | 9  |

---

------

**THE INSURANCE COMPANY** 

Brighthouse Life Insurance Company ("BLIC" or the "Company") is a Delaware corporation originally incorporated in Connecticut in 1863. Prior to March 6, 2017, BLIC was known as MetLife Insurance Company USA. BLIC is licensed to conduct business in all U.S. states (except New York), the District of Columbia, the Bahamas, Guam, Puerto Rico, the British Virgin Islands and the U.S. Virgin Islands. BLIC is an indirect, wholly-owned subsidiary of, and ultimately controlled by, Brighthouse Financial, Inc. ("BHF"), a publicly-traded company. The Company was an indirect, wholly-owned subsidiary of MetLife, Inc. until August 4, 2017, when BHF became an independent, publicly-traded company following the completion of a separation transaction. BHF, through its subsidiaries and affiliates, is one of the largest providers of annuities and life insurance in the U.S. BLIC's executive offices are located at 11225 North Community House Road, Charlotte, NC 28277.

On November 6, 2025, 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.

**Brighthouse Life Insurance Company History** 

<u>MetLife Insurance Company USA</u>: From the close of business on November 14, 2014 to March 6, 2017, BLIC was called MetLife Insurance Company USA ("MetLife USA"). MetLife USA was established following the close of business on November 14, 2014, when MetLife Investors USA Insurance Company, a wholly-owned subsidiary of MetLife Insurance Company of Connecticut, MetLife Investors Insurance Company and Exeter Reassurance Company, Ltd. were merged into MetLife Insurance Company of Connecticut, and MetLife Insurance Company of Connecticut was then renamed MetLife Insurance Company USA. Simultaneously, MetLife USA changed its domicile from Connecticut to the state of Delaware. As a result of this merger, MetLife USA assumed legal ownership of all of the assets of these predecessor companies, including assets held in the separate accounts, and became responsible for administering the contracts and paying any benefits due under all contracts issued by each of its corporate predecessors. These predecessor companies that issued contracts on and prior to November 14, 2014 were the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•<u>MetLife Insurance Company of Connecticut</u>: MetLife Insurance Company of Connecticut ("MICC"), originally chartered in Connecticut in 1863, was known as Travelers Insurance Company prior to May 1, 2006. MICC changed its name to MetLife Insurance Company USA and its state of domicile to Delaware after November 14, 2014 as described under "MetLife Insurance Company USA" above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•<u>MetLife Life and Annuity Company of Connecticut</u>: MetLife Life and Annuity Company of Connecticut ("MLAC"), originally chartered in Connecticut in 1973, was known as Travelers Life and Annuity Company prior to May 1, 2006. On or about December 7, 2007, MLAC merged with and into MICC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•<u>MetLife Investors USA Insurance Company</u>: MetLife Investors USA Insurance Company ("MLI USA"), originally chartered in Delaware in 1960, was known as Security First Life Insurance Company prior to January 8, 2001. MLI USA was merged into BLIC after the close of business on November 14, 2014, as described under "MetLife Insurance Company USA" above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•<u>MetLife Investors Insurance Company</u>: MetLife Investors Insurance Company ("MLI"), originally chartered in Missouri in 1981, was known as Cova Financial Services Life Insurance Company prior to February 12, 2001. MLI was merged into BLIC after the close of business on November 14, 2014, as described under "MetLife Insurance Company USA" above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•<u>MetLife Investors Insurance Company of California</u>: MetLife Investors Insurance Company of California ("MLI-CA"), originally chartered in California in 1972, was known as Cova Financial Life Insurance Company prior to February 12, 2001. On November 9, 2006 MLI-CA merged with and into MLI.

------

**SERVICES** 

None.

**PRINCIPAL UNDERWRITER** 

Brighthouse Securities, LLC ("Brighthouse Securities") serves as principal underwriter for the Separate Account and the Contracts. The offering is continuous. Brighthouse Securities' principal executive offices are located at 11225 North Community House Road, Charlotte, NC 28277. Brighthouse Securities and the Company are affiliates because they are both under common control of Brighthouse Financial, Inc.

**CUSTODIAN** 

Brighthouse Life Insurance Company, 11225 North Community House Road, Charlotte, NC 28277, is the custodian of the assets of the Separate Account. The custodian has custody of all cash of the Separate Account and handles the collection of proceeds of shares of the underlying funds bought and sold by the Separate Account.

**PRINCIPAL UNDERWRITING AND DISTRIBUTION AGREEMENT** 

Information about the distribution of the Contracts is contained in the prospectus (see "Other Information — Distribution of the Contracts"). Additional information is provided below.

Under the terms of the Principal Underwriting and Distribution Agreement among the Separate Account, Brighthouse Securities and the Company, Brighthouse Securities acts as agent for the distribution of the Contracts and as principal underwriter for the Contracts. The Company reimburses Brighthouse Securities for certain sales and overhead expenses connected with sales functions.

The following table shows the amount of commissions paid to and the amount of commissions retained by the principal underwriter. Brighthouse Securities was the recipient of these commissions thereafter.

**Underwriting Commissions** 

---

| | | |
|:---|:---|:---|
| **Year** | **Underwriting Commissions Paid**<br> **to the Distributor by the**<br> **Company**<br>| **Amount of Underwriting**<br> **Commissions Retained by the**<br> **Distributor**<br>|
| 2025 | $737658036 | $0 |
| 2024 | $724114938 | $0 |
| 2023 | $665088655 | $0 |

---

The Company and Brighthouse Securities have also entered into preferred distribution arrangements with certain broker-dealer firms. These arrangements are sometimes called "shelf space" arrangements. Under these arrangements, the Company and Brighthouse Securities pay separate, additional compensation to the broker-dealer firms for services the broker-dealer firms provide in connection with the distribution of the Company's products. These services may include providing the Company with access to the distribution network of the broker-dealer firms, the hiring and training of the broker-dealer firms' sales personnel, the sponsoring of conferences and seminars by the broker-dealer firms, or general marketing services performed by the broker-dealer firms. The broker-dealer firms may also provide other services or incur other costs in connection with distributing the Company's products.

These preferred distribution arrangements will not be offered to all broker-dealer firms and the terms of such arrangements may differ between broker-dealer firms. Compensation payable under such arrangements may be based on aggregate, net or anticipated sales of the Contract, total assets attributable to sales of the Contract by registered representatives of the broker-dealer firms or based on the length of time that a Contract Owner has owned the Contract. Any such compensation payable to a broker-dealer firm will be made by Brighthouse Securities or the Company out of their own assets and will not result in any additional direct charge to You. Such compensation may cause the broker dealer firms and their registered representatives to favor the Company's products.

------

The principal underwriter or the Company paid the following amounts during 2025. The amount of additional compensation (non-commission amounts) paid to selected broker-dealer firms during 2025 ranged from $207 to $16,244,724\*. The amount of commissions paid to selected broker-dealer firms during 2025 ranged from $14,249 to $97,879,821. The amount of total compensation (includes non-commission as well as commission amounts) paid to selected broker-dealer firms during 2025 ranged from $14,249 to $114,124,545\*.

\*

For purposes of this calculation, the additional compensation (non-commission) amounts received by a selling firm includes additional compensation received by the firm for the sale of insurance products issued by our affiliate Brighthouse Life Insurance Company of NY.

The following list sets forth the names of broker-dealer firms that have entered into preferred distribution arrangements with the Company and Brighthouse Securities under which the broker-dealer firms received additional compensation in 2025 in connection with the sale of Our Variable Annuity contracts, variable life policies and other insurance products (including the Contracts). The broker-dealer firms are listed in alphabetical order:

American Portfolios Financial Services, Inc.

Ameriprise Financial Services, Inc.

Ameritas Investment Corp.

Arvest Investments, Inc.

Benjamin F. Edwards & Company, Inc.

BNY Mellon Securities Corporation

Cambridge Investment Research, Inc.

Capital Investment Brokerage, Inc.

Capital Investments Group, Inc.

Centaurus Financial, Inc.

Cetera Advisors LLC

Cetera Advisor Networks LLC

Cetera Financial Specialists LLC

Cetera Investment Services LLC

CFD Investments, Inc.

Citigroup Global Markets, Inc.

Citizens Securities, Inc.

Commonwealth Financial Network

Copper Financial Network, LLC

Equitable Advisors, LLC

Equity Services, Inc.

Fifth Third Securities, Inc.

First Citizens Investor Services, Inc.

First Heartland Capital, Inc.

Founders Financial Securities LLC

FSC Securities Corporation

Geneos Wealth Management, Inc.

Gradient Securities, LLC

GWN Securities Inc.

Hornor, Townsend & Kent, LLC

Independent Financial Group, LLC

Infinex Investments, Inc.

Integrity Alliance, LLC

Investacorp Advisory Services, Inc.

Janney Montgomery Scott LLC

J.P. Morgan Securities LLC

J.W. Cole Financial, Inc.

Kestra Investment Services, LLC

Key Investment Services LLC

KMS Financial Services, Inc.

Lifemark Securities Corp.

Lincoln Financial Advisors Corporation

Lincoln Financial Securities Corporation

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Lincoln Investment Planning, Inc.

Lion Street Financial, LLC

LPL Financial Corp. Affiliates

LPL Financial LLC

Merrill Lynch, Pierce, Fenner & Smith Inc

MML Investors Services, LLC

Morgan Stanley Smith Barney LLC

Navy Federal Financial Group, LLC

OneAmerica Securities, Inc.

Oppenheimer & Co. Inc.

OSAIC Wealth, Inc.

Packerland Brokerage Services, Inc.

Park Avenue Securities LLC

PFS Investments Inc.

Raymond James & Associates, Inc.

RBC Capital Markets, LLC

Robert W. Baird & Co

Rockerfeller Capital Management

Royal Alliance Associates, Inc.

SagePoint Financial, Inc.

Santander Securities LLC

Securities America, Inc.

Securities Service Network, LLC

Stifel, Nicolaus & Company, Incorporated

The Leaders Group, Inc.

The O.N. Equity Sales Company

Transamerica Financial Advisors, Inc.

Triad Advisors LLC

Truist Investment Services, Inc.

UBS Financial Services Inc.

United Planners Financial Services of America

U.S. Bancorp Advisors, LLC

U.S. Bancorp Investments, Inc.

USA Financial Securities Corporation

ValMark Securities, Inc.

Voya Financial Advisors, Inc.

Wells Fargo Advisors, LLC

Woodbury Financial Services, Inc.

There are other broker-dealer firms who receive compensation for servicing our contracts, and the account value of the contracts or the amount of added purchase payments received may be included in determining their additional compensation, if any.

**Reduction or Elimination of the Withdrawal Charge**. We may reduce or eliminate the withdrawal charge under the Contract when certain sales or administration of the Contract result in savings or reduced expenses and/or risks. We will not reduce or eliminate the withdrawal charge where such reduction or elimination would be unfairly discriminatory to any person.

**CALCULATION OF ANNUITY UNIT VALUE** 

The initial Annuity Unit value applicable to each Funding Option was established at $1.00. An Annuity Unit value as of any business day is equal to (a) the value of the Annuity Unit on the preceding business day, multiplied by (b) the corresponding net investment factor (as described immediately below) for the business day just ended, divided by (c) the assumed net investment factor for the Valuation Period. (For example, the assumed net investment factor based on an annual assumed net investment rate of 3.0% for a Valuation Period of one day is 1.000081 and, for a period of two days, is 1.000081 × 1.000081.)

------

The net investment factor is used to measure the investment performance of a Funding Option from one Valuation Period to the next. The net investment factor for a Funding Option for any Valuation Period is equal to (a) minus (b), divided by (c) where:

(a) = investment income plus capital gains and losses (whether realized or unrealized);

(b) = any deduction for applicable taxes (presently zero); and

(c) = the value of the assets of the Funding Option at the beginning of the Valuation Period.

The net investment factor may be either positive or negative. A Funding Option's investment income includes any distribution whose ex-dividend date occurs during the Valuation Period. The net investment factor is then reduced by a maximum charge of 0.000035616 for each day in the Valuation Period which is the daily equivalent of the maximum annual Separate Account Charge.

**Legal or Regulatory Restrictions on Transactions** 

If mandated under applicable law, the Company may be required to reject a Purchase Payment. The Company may also be required to block a contract Owner's account and thereby refuse to pay any request for transfers, withdrawals, surrenders, death benefits or continue making Annuity Payments until instructions are received from the appropriate regulator.

**Market Adjusted Value Examples** 

A Market Adjusted Value calculation may only apply to full Surrenders during the Accumulation Period due to a Contract discontinuation. The amount payable to You may be increased or decreased by the application of the Market Adjusted Value calculation to the Cash Value. This is the Market Adjusted Value. A negative Market Adjusted Value calculation will result in loss. In extreme circumstances, You could lose up to 100% of the amount Surrendered due to a negative Market Adjusted Value calculation.

If Your Contract Value is subject to both a Market Adjusted Value calculation and a Surrender charge, the Market Adjusted Value calculation will be applied first. Any applicable Surrender charges, taxes or other amounts deducted from upon Surrender will be deducted from the Market Adjusted Value. A Surrender charge will generally apply if You make a partial or full surrender of Your Contract. See "Access to Your Money - Contract Discontinuance" in the prospectus for more details about when a Market Adjusted Value calculation will apply.

The Market Adjusted Value calculation reflects the relationship between the interest rate on new deposits for this class of Contracts on the date of Surrender and the interest rate credited to amounts in Your Contract on the date of Surrender. The purpose of the Market Adjusted Value calculation is to generally transfer from Us to You the risk of losses on the fixed income investments that We acquire to support Our obligations under the Fixed Account if You prematurely liquidate Your investment. Generally, if interest rates increase from the time that Purchase Payments are deposited in Our General Account to the time that the Contract is discontinued, one could expect the Market Adjusted Value calculation to be negative. If interest rates decrease in that time period, one could expect the Market Adjusted Value calculation to be positive.

The examples below are intended to show how the Market Adjusted Value is calculated and how it would be applied when there is a full Surrender upon discontinuation of the Contract. Example A will illustrate negative Market Adjusted Value and Example B will illustrate a positive Market Adjusted Value. The formula is the following:

**Market Adjusted Value = Cash Value × (1 + RO)**<sup>5</sup> **/ (1 + R1 + .0025**<sup>†</sup>**)**<sup>5</sup>

Where:

R0 is the weighted average of all interest rates credited to all amounts in the Contract on the date of discontinuance, and

R1 is the interest rate on new deposits for this class of Contracts on the date of discontinuance.

&nbsp;&nbsp;&nbsp;&nbsp;† 25 basis points is the margin to cover liquidating the specific level of assets when a Market Adjusted Value calculation is triggered. The rate is set by the underlying Contract as part of the overall market adjustment formula.

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The Market Adjusted Value will be greater than the Cash Value when the weighted average interest rate credited to the Contract is more than 0.25% (0.0025) higher than the credited rates on new deposits. The Market Adjusted Value will be less than the Cash Value when the weighted average interest rate credited to the Contract is less than 0.25% (0.0025) higher than the credited rates on new deposits.

**Example A — Negative Market Adjusted Value:** 

A negative Market Adjusted Value results when credited interest rates are higher on new deposits than the weighted average interest rate credited to the Contract.

For example, assume new deposits are crediting 4.50%, and the weighted average interest rate credited to the Contract is 4.00%. The Cash Value at the time of discontinuance is $100,000.

**Illustration:** 

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| | | |
|:---|:---|:---|
| The weighted average of all interest rates credited to the <br> Contract<br>| 4.00% | Represented by RO |
| Interest rate credited on new deposits for this class of <br> Contracts<br>| 4.50% | Represented by R1 |
| Cash Value | $100000.00 | Represented by Cash Value |

---

**Calculation Steps:** 

---

| | | |
|:---|:---|:---|
| (1 + RO) | 104.00% | 1 + 4.00% = 104.00% |
| (1 + RO)<sup>5</sup> <br>| 121.6653% | 104.00%<sup>5</sup> = 121.6653% |
| (1 + R1 + .25%) | 104.75% | 1 + 4.50% + .25% = 104.75% |
| (1 + R1 + .25%)<sup>5</sup> <br>| 126.1160% | 104.75%<sup>5</sup> = 126.1160% |
| (1 + RO)<sup>5</sup> / (1 +R1 + .25%)<sup>5</sup> <br>| 96.4710% | 121.6653% / 126.1160% = 96.4710% |
| **Market Adjusted Value = Cash Value x (1 + RO)**<sup>5</sup> <br> **/ (1 +R1 + .25%)**<sup>5</sup> <br>| &nbsp;&nbsp; **$96,470.95** <br> **(Rounded)**<br>| $100,000.00 x 96.4710% |

---

The Market Adjusted Value ($96,470.95) compared to the Cash Value ($100,000.00) represents a negative adjustment and a loss for the contract owner.

**Example B — Positive Market Adjusted Value**:

A positive Market Adjusted Value generally results when credited interest rates are lower on new deposits than the weighted average interest rate credited to the Contract.

Assume new deposits are credited 4.50%, and the weighted average interest rate credited to the Contract is 5.00%. The Cash Value at the time of discontinuance is $100,000.

**Illustration:** 

---

| | | |
|:---|:---|:---|
| The weighted average of all interest rates credited to the <br> Contract<br>| 5.00% | Represented by RO |
| Interest rate credited on new deposits for this class of <br> Contracts<br>| 4.50% | Represented by R1 |
| Cash Value | $100000.00 | Represented by Cash Value |

---

**Calculation Steps:** 

---

| | | |
|:---|:---|:---|
| (1 + RO) | 105.00% | 1 + 5.00% = 105.00%  |

---

------

---

| | | |
|:---|:---|:---|
| (1 + RO)<sup>5</sup> <br>| 127.6282% | 105.00%<sup>5</sup> = 127.6282% |
| (1 + R1 + .25%) | 104.75% | 1 + 4.50% + .25% = 104.75% |
| (1 + R1 + .25%)<sup>5</sup> <br>| 126.1160% | 104.75%<sup>5</sup> = 126.1160% |
| (1 + RO)<sup>5</sup> / (1 +R1 + .25%)<sup>5</sup> <br>| 101.1990% | 127.6282% / 126.1160% = 101.1990% |
| **Market Adjusted Value = Cash Value x (1 + RO)**<sup>5</sup> <br> **/ (1 +R1 + .25%)**<sup>5</sup> <br>| &nbsp;&nbsp; **$101,199.03** <br> **(Rounded)**<br>| $100,000.00 x 101.1990% |

---

The Market Adjusted Value ($101,199.03) compared to the Cash Value ($100,000.00) represents a positive adjustment and a gain for the contract owner.

**INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM** 

The financial statements of Brighthouse Life Insurance Company, incorporated by reference in this Statement of Additional Information, have been audited by Deloitte & Touche LLP, an independent registered public accounting firm, as stated in their reports. Such financial statements are incorporated by reference in reliance upon the reports of such firm given their authority as experts in accounting and auditing.

The principal business address of Deloitte & Touche LLP is 650 South Tryon Street, Suite 1800, Charlotte, North Carolina 28202-3512.

**FINANCIAL STATEMENTS** 

[The financial statements of the Company are incorporated by reference to the submission form type N-VPFS, CIK No.](https://www.sec.gov/Archives/edgar/data/2041679/000110465926036497/tm262597d21_nvpfs.htm)[0002041679, filed by the Company with the SEC on March 30, 2026.](https://www.sec.gov/Archives/edgar/data/2041679/000110465926036497/tm262597d21_nvpfs.htm)

The financial statements of the Company should be considered only as bearing upon the ability of the Company to meet its obligations under the contract.

------

**Changes In And Disagreements With Accountants** 

None.

------