# EDGAR Filing Document

**Accession Number:** 0000717347
**File Stem:** 0001193125-26-168871
**Filing Date:** 2026-4
**Character Count:** 33463
**Document Hash:** 472256312dffe749d4575b70945c3d2c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-168871.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-168871

**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:** New England Variable Life Separate Account
- **CENTRAL INDEX KEY:** 0000717347

**ORGANIZATION NAME:**
- **EIN:** 042708937
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-103193
- **FILM NUMBER:** 26881435

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

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW ENGLAND VARIABLE LIFE SEPARATE ACCOUNT
- **DATE OF NAME CHANGE:** 20011204

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW ENGLAND LIFE SEPARATE ACCOUNT
- **DATE OF NAME CHANGE:** 20011129

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW ENGLAND VARIABLE LIFE SEPARATE ACCOUNT
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### New England Variable Life Separate Account (Series ID: S000004217)

| Class ID   | Class Name                | Ticker Symbol   |
|:---|:---|:---|
| C000011866 | Zenith Flexible Life 2001 |  |

![](g242497bhouse_logo.jpg)

**ZENITH FLEXIBLE LIFE 2001**

Flexible Premium Adjustable <br> Variable Life Insurance Policies <br> Issued by <br>New England Variable Life Separate Account of <br> New England Life Insurance Company <br>11225 North Community House Road <br>Charlotte, North Carolina 28277

(833) 208-3017

**UPDATING SUMMARY PROSPECTUS**

**april 27, 2026** 

This Summary Prospectus summarizes key features of the Zenith Flexible Life 2001 flexible premium adjustable variable life insurance policy (the "Policy").

The prospectus for the Policy contains more information about the Policy's features, benefits and risks. You can find the current prospectus and other information about the Policy online at https://dfinview.com/BHF/PUFT/BHF11. You can also obtain this information at no cost by calling (833) 208-3017 or by sending an email request to rcg@brighthousefinancial.com.

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

The Company's obligations under the Policy are subject to our financial strength and claims-paying ability. Additional general information about certain investment products, including variable life insurance, 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 Policies 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** |
| [Glossary](#xx_a7278458-5188-44fb-86f7-fd1afc97ad91_1) | 3  |
| [Updated Information You Should Consider About the Policy](#xx_a7278458-5188-44fb-86f7-fd1afc97ad91_1) | 3  |
| [Important Information You Should Consider About the Policy](#xx_a8684fac-0327-48ae-b65e-bb9af7d741a2_1) | 5  |
| [APPENDIX C: ELIGIBLE FUNDS AVAILABLE UNDER THE POLICY](#xx_2fa72458-85ef-4b74-8023-4f1ce7d286da_2) | C-1  |

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**Glossary**

**Base Policy**. The Policy without riders.

**Cash Value**. A Policy's Cash Value includes the amount of its cash value held in the Variable Account, the amount held in the Fixed Account and, if there is an outstanding Policy loan, the amount of its cash value held in our general account as a result of the loan.

**Eligible Funds**. The mutual fund portfolios in which you may invest through your allocations to the corresponding Sub-Accounts of the Variable Account.

**Fixed Account**. The Fixed Account is a part of our general account to which you may allocate net premiums. It provides guarantees of principal and interest.

**Monthly Deduction**. The amount deducted from the Policy's Cash Value on the first day of each Policy month, consisting of a Policy fee, an administrative charge, a cost of insurance charge and charges for any optional rider benefits.

**Net Cash Value**. The amount you receive if you surrender the Policy. It is equal to the Policy's Cash Value reduced by any surrender charge that would apply on surrender and by any outstanding Policy loan and accrued interest.

**Sub-Account**. A division of the Variable Account which corresponds to a mutual fund portfolio, or Eligible Fund, to which you may allocate premiums and Cash Value.

**Target Premium**. We use the Target Premium to determine the amount of Deferred Sales Charge that may apply on a surrender, partial surrender, lapse or face amount reduction. The Target Premium varies by issue age, sex and underwriting class of the insured and the Policy's face amount. The Target Premium is less than or equal to 75% of the annual premium necessary to maintain a fixed benefit whole life insurance Policy for the same face amount on the life of the insured. We calculate the annual whole life premium using an assumed interest rate of 4%, guaranteed cost of insurance charges and the current level of other Policy charges.

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

The information in this Updating Summary Prospectus is a summary of certain Policy 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 purchased your Policy.

On November 6, 2025, Brighthouse Financial ("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 NELICO will remain an indirect wholly-owned subsidiary of BHF. Although Aquarian will replace BHF as NELICO's ultimate parent, NELICO will continue in its present role as the issuer of your Policy. All of your rights and benefits under your Policy and NELICO's obligations under the Policy 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 Eligible Funds**

Certain Eligible Funds were subject to a name change. The chart below identifies the former name and the new name of each of these Eligible Funds.

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**Eligible Fund Name Changes** 

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| | |
|:---|:---|
| **Former Name** | **New Name** |
| **American Funds Insurance Series**<sup>®</sup> <br>| **American Funds Insurance Series**<sup>®</sup> <br>|
| American Funds Global Small Capitalization Fund | American Funds SMALLCAP World Fund<sup>®</sup>\* |
| **Brighthouse Funds Trust I** | **Brighthouse Funds Trust I** |
| SSGA Growth ETF Portfolio | State Street Moderately Aggressive ETF Portfolio |
| SSGA Growth and Income ETF Portfolio | State Street Moderate ETF Portfolio |

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

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

**FEES AND EXPENSES** **Location in** **Prospectus** 

**RISKS** 

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; The Policy is not a short-term investment and is not appropriate for an <br> investor who needs ready access to cash. If you make a premature <br> withdrawal of cash from your Policy, you may incur various costs (e.g., a <br> surrender charge) and also possible Federal income tax.  | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Policy**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges**<br>|
| **Risks Associated** <br> **with Investment** <br> **Options**<br>| &nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Policy (e.g., the Eligible Funds). <br> Each investment option, including the Fixed Account, will have its own <br> unique risks, and you should review these investment options before <br> making an investment decision. | &nbsp;&nbsp; **The Company, The** <br> **Variable Account** <br> **and the Eligible** <br> **Funds – The** <br> **Eligible Funds; The** <br> **Fixed Account**<br>|
| **Insurance** <br> **Company Risks**<br>| &nbsp;&nbsp; An investment in the Policy is subject to the risks related to NELICO, <br> including that any obligations (including obligations related to amounts <br> invested in the Fixed Account), guarantees, or benefits are subject to <br> NELICO's claims-paying ability. More information about NELICO, including <br> its financial strength ratings, is available upon request by calling (888) <br> 243-1968. | &nbsp;&nbsp; **The Company, The** <br> **Variable Account** <br> **and the Eligible** <br> **Funds – The** <br> **Company**<br>|
| **Contract Lapse** | &nbsp;&nbsp; In general, in any month that your Policy's Net Cash Value is not large <br> enough to cover the Monthly Deduction (i.e., the amount we deduct on <br> the first day of each Policy month for charges such as the Policy Fee), <br> your Policy will be in default, and may lapse. Your Policy's Net Cash Value <br> can be impacted by poor investment performance of the Eligible Funds <br> you select. Your Policy may also lapse if Policy loans plus accrued <br> interest reduces the Net Cash Value to zero. Additionally, insufficient <br> premium payments, withdrawals, and Policy charges (including <br> increases in those charges) could cause the Policy to lapse and you will <br> no longer have insurance coverage. If your Policy has lapsed, in most <br> states you may reinstate it within seven years after the date of lapse. <br> Reinstatement in all cases requires payment of certain charges <br> described in the Policy and usually requires evidence of insurability that <br> is satisfactory to us. Death benefits will not be paid if the Policy has <br> lapsed. | &nbsp;&nbsp; **Lapse and** <br> **Reinstatement**<br>|
|  | **RESTRICTIONS** |  |
| **Investments** | &nbsp;&nbsp; Availability of Portfolios. We reserve the right to close or substitute an <br> Eligible Fund or limit its availability to subsequent premium payments <br> and/or transfers of Cash Value. You may not invest in more than ten <br> Sub-Accounts at any one time.<br>Transfers. We may limit the number of transfers between the <br> Sub-Accounts and to and from the Fixed Account to no more than four <br> per Policy year. We may impose a processing charge of $25 for each <br> transfer in excess of 12 per Policy year. We may also impose restrictions <br> on frequent transfers. We are not currently imposing the maximum limit <br> on transfers and withdrawals from the Fixed Account, but we reserve the <br> right to do so.  | &nbsp;&nbsp; **The Company, The** <br> **Variable Account** <br> **and The Eligible** <br> **Funds**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges – Transfer** <br> **Charge**<br>|
| **Optional Benefits** | &nbsp;&nbsp; Various optional benefits may be available in the form of a rider to your <br> Policy. Not all of these riders may be available to you. In general, <br> supplemental insurance benefits may be (i) available only to insureds <br> within certain age ranges and/or who meet certain criteria (e.g., terminal <br> illness) (ii) subject to minimum and/or maximum specified amounts, and <br> (iii) subject to certain termination conditions. We may stop offering an <br> optional benefit at any time.  | &nbsp;&nbsp; **Other Benefits** <br> **Available Under the** <br> **Policy**<br>|

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| | | |
|:---|:---|:---|
|  | **TAXES** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Tax Implications** | &nbsp;&nbsp; You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the Policy. <br> Please note that there is no additional tax benefit to you if the Policy is <br> purchased through a tax-qualified plan. Withdrawals will be subject to <br> ordinary income tax and may be subject to tax penalties. | **Tax Considerations** |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment**<br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; All firms selling the Policy receive commissions. The portion of the <br> commission payments that selling firms pass on to their sales <br> representatives is determined in accordance with their internal <br> compensation programs. A selling firm, or a sales representative of a <br> selling firm, may receive different compensation for selling one product <br> over another and may have a financial incentive to offer or recommend <br> the Policy over another investment. Apart from the payment of <br> commissions, selling firms may receive additional compensation, <br> including marketing allowances, introduction fees, persistency <br> payments, preferred status fees and industry conference fees.  | &nbsp;&nbsp; **Distribution of the** <br> **Policies**<br>|
| **Exchanges** | &nbsp;&nbsp; In general, sales representatives may have a financial incentive to offer <br> you a new insurance policy in place of the policy you already own. You <br> should exchange your Policy only if you determine, after comparing the <br> features, fees, and risks of both policies, that it is preferable for you to <br> purchase the new policy rather than continue to own the existing Policy. | &nbsp;&nbsp; **Replacing Existing** <br> **Insurance**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Distribution of the** <br> **Policies**<br>|

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**THIS PAGE INTENTIONALLY LEFT BLANK.**

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**APPENDIX C: ELIGIBLE FUNDS AVAILABLE UNDER THE POLICY**

The following is a list of Eligible Funds available under the Policy. More information about the Eligible Funds is available in the prospectuses for the Eligible Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF11. You can also request this information at no cost by calling (833) 208-3017 or by sending an email request to rcg@brighthousefinancial.com. The current expenses and performance information below reflects fees and expenses of the Eligible Funds, but do not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Eligible Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks growth of capital. | American Funds Growth Fund — <br> Class 2<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.58% | 20.24% | 13.37% | 17.97% |
| Seeks long-term growth of <br> capital and income.<br>| American Funds Growth-Income <br> Fund — Class 2<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Seeks long-term growth of <br> capital.<br>| American Funds SMALLCAP World <br> Fund<sup>®</sup> — Class 2<sup>1</sup>#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.90% | 14.64% | 0.49% | 7.23% |
| Seeks as high a level of <br> current income as is <br> consistent with the <br> preservation of capital.<br>| American Funds The Bond Fund of <br> America — Class 2#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup> <br>| 0.47% | 7.26% | -0.14% | 2.36% |
| Seeks growth of capital. | Brighthouse Asset Allocation 100 <br> Portfolio — Class A‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.71% | 17.41% | 8.91% | 10.97% |
| Seeks long-term capital <br> appreciation.<br>| Brighthouse/Wellington Large Cap <br> Research Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Seeks total return through <br> investment in real estate <br> securities, emphasizing <br> both capital appreciation <br> and current income.<br>| CBRE Global Real Estate Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: CBRE Investment* <br> *Management Listed Real Assets LLC*<br>| 0.66% | 7.11% | 4.30% | 4.22% |
| Seeks long-term capital <br> appreciation.<br>| Harris Oakmark International <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Harris Associates L.P.*<br>| 0.72% | 33.17% | 6.72% | 7.01% |
| Seeks capital appreciation. | Invesco Global Equity Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.58% | 15.88% | 7.56% | 11.28% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks long-term growth of <br> capital.<br>| Invesco Small Cap Growth Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.74% | 6.17% | -0.66% | 9.27% |
| Seeks long-term growth of <br> capital.<br>| Loomis Sayles Growth Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Loomis, Sayles &* <br> *Company, L.P.*<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| Seeks capital appreciation. | MFS<sup>®</sup> Research International <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Seeks capital appreciation. | Morgan Stanley Discovery Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Morgan Stanley* <br> *Investment Management Inc.*<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| Seeks maximum real return, <br> consistent with preservation <br> of capital and prudent <br> investment management.<br>| PIMCO Inflation Protected Bond <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 1.13% | 7.93% | 1.40% | 3.35% |
| Seeks maximum total <br> return, consistent with the <br> preservation of capital and <br> prudent investment <br> management.<br>| PIMCO Total Return Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Seeks growth of capital and <br> income.<br>| State Street Moderate ETF Portfolio — <br> Class A‡<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: SSGA Funds Management,* <br> *Inc.*<br>| 0.50% | 17.09% | 7.46% | 8.13% |
| Seeks growth of capital. | State Street Moderately Aggressive <br> ETF Portfolio — Class A‡<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: SSGA Funds Management,* <br> *Inc.*<br>| 0.53% | 19.53% | 9.28% | 9.58% |
| Seeks long-term growth of <br> capital.<br>| T. Rowe Price Mid Cap Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br>*Inc.*<br> *Sub-Subadviser: T. Rowe Price* <br> *Investment Management, Inc.*<br>| 0.70% | 3.75% | 4.08% | 10.05% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks high total return by <br> investing in equity securities <br> of mid-sized companies.<br>| Victory Sycamore Mid Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Victory Capital* <br> *Management Inc.*<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| Seeks long-term growth of <br> capital.<br>| Baillie Gifford International Stock <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Baillie Gifford Overseas* <br> *Limited*<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| Seeks a competitive total <br> return primarily from <br> investing in fixed-income <br> securities.<br>| BlackRock Bond Income Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| Seeks long-term growth of <br> capital.<br>| BlackRock Capital Appreciation <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.56% | 13.19% | 11.07% | 15.80% |
| Seeks a high level of <br> current income consistent <br> with prudent investment <br> risk and preservation of <br> capital.<br>| BlackRock Ultra-Short Term Bond <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Seeks a high level of <br> current income, with growth <br> of capital as a secondary <br> objective.<br>| Brighthouse Asset Allocation 20 <br> Portfolio — Class A#‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.68% | 9.47% | 2.32% | 4.22% |
| Seeks high total return in <br> the form of income and <br> growth of capital, with a <br> greater emphasis on <br> income.<br>| Brighthouse Asset Allocation 40 <br> Portfolio — Class A‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.66% | 11.75% | 4.10% | 5.95% |
| Seeks a balance between a <br> high level of current income <br> and growth of capital, with <br> a greater emphasis on <br> growth of capital.<br>| Brighthouse Asset Allocation 60 <br> Portfolio — Class A‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.66% | 13.96% | 5.80% | 7.73% |
| Seeks growth of capital. | Brighthouse Asset Allocation 80 <br> Portfolio — Class A‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.68% | 15.91% | 7.42% | 9.49% |
| Seeks long-term capital <br> growth.<br>| Brighthouse/Artisan Mid Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Artisan Partners Limited* <br> *Partnership*<br>| 0.78% | 1.82% | 7.04% | 8.32% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks long-term capital <br> appreciation with some <br> current income.<br>| Brighthouse/Wellington Balanced <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| Seeks to provide a growing <br> stream of income over time <br> and, secondarily, long-term <br> capital appreciation and <br> current income.<br>| Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| Seeks maximum capital <br> appreciation.<br>| Frontier Mid Cap Growth Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Frontier Capital* <br> *Management Company, LLC*<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| Seeks long-term growth of <br> capital.<br>| Jennison Growth Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Seeks long-term capital <br> growth from investments in <br> common stocks or other <br> equity securities.<br>| Loomis Sayles Small Cap Core <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Loomis, Sayles &* <br> *Company, L.P.*<br>| 0.90% | 5.29% | 7.44% | 9.43% |
| Seeks long-term capital <br> growth.<br>| Loomis Sayles Small Cap Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Loomis, Sayles &* <br> *Company, L.P.*<br>| 0.89% | 4.03% | 2.54% | 10.12% |
| Seeks to track the <br> performance of the <br> Bloomberg U.S. Aggregate <br> Bond Index.<br>| MetLife Aggregate Bond Index <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| Seeks to track the <br> performance of the <br> Standard & Poor's MidCap <br> 400<sup>®</sup> Composite Stock <br> Price Index.<br>| MetLife Mid Cap Stock Index <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| Seeks to track the <br> performance of the MSCI <br> EAFE<sup>®</sup> Index.<br>| MetLife MSCI EAFE<sup>®</sup> Index Portfolio — <br> Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| Seeks to track the <br> performance of the Russell <br> 2000<sup>®</sup> Index.<br>| MetLife Russell 2000<sup>®</sup> Index <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.30% | 12.66% | 5.99% | 9.55% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks to track the <br> performance of the <br> Standard & Poor's 500<sup>®</sup> <br> Composite Stock Price <br> Index.<br>| MetLife Stock Index Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| Seeks a favorable total <br> return through investment <br> in a diversified portfolio.<br>| MFS<sup>®</sup> Total Return Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.62% | 11.11% | 6.42% | 7.65% |
| Seeks capital appreciation. | MFS<sup>®</sup> Value Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| Seeks high total return, <br> consisting principally of <br> capital appreciation.<br>| Neuberger Berman Genesis <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Seeks long-term growth of <br> capital.<br>| T. Rowe Price Large Cap Growth <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| Seeks long-term capital <br> growth.<br>| T. Rowe Price Small Cap Growth <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| Seeks to maximize total <br> return consistent with <br> preservation of capital.<br>| Western Asset Management Strategic <br> Bond Opportunities Portfolio — <br>Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks to maximize total <br> return consistent with <br> preservation of capital and <br> maintenance of liquidity.<br>| Western Asset Management <br> U.S. Government Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.50% | 7.07% | 0.59% | 1.82% |
| Seeks reasonable income. <br> The fund will also consider <br> the potential for capital <br> appreciation. The fund's <br> goal is to achieve a yield <br> which exceeds the <br> composite yield on the <br> securities comprising the <br> S&P 500<sup>®</sup> Index.<br>| Equity-Income Portfolio — Initial 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% |

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‡

This Eligible Fund is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Eligible Fund invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including the management fee.

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

Until May 1, 2026, the name of this Eligible Fund is American Funds Global Small Capitalization Fund.

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The prospectus and statement of additional information ("SAI") include additional information. [The prospectus and SAI are dated the](https://www.sec.gov/Archives/edgar/data/717347/000119312526165914/d54827d485bpos.htm)[same as the summary prospectus and are incorporated by reference](https://www.sec.gov/Archives/edgar/data/717347/000119312526165914/d54827d485bpos.htm) The prospectus and SAI are available, without charge, upon request. For a free copy, call us at (833) 208-3017 or send an email request to rcg@brighthousefinancial.com. You can also access the prospectus, SAI and other information about the Policy online at https://dfinview.com/BHF/PUFT/BHF11.

Reports and other information about New England Life Insurance Company 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.

The EDGAR contract identifier number for the Policy is C000011866.

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