# EDGAR Filing Document

**Accession Number:** 0002041679
**File Stem:** 0001193125-26-168848
**Filing Date:** 2026-4
**Character Count:** 41503
**Document Hash:** 1842a4fd19af7590fa441dd93cac23ea
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-168848.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-168848

**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 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:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-283023
- **FILM NUMBER:** 26881411

**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 ID   | Class Name                                    | Ticker Symbol   |
|:---|:---|:---|
| C000256662 | Brighthouse Shield/R/ Level II 6-Year Annuity |  |

![](g875097bhouse_logo.jpg)

**The Annuity Contract**

**Issued by**

**Brighthouse Life Insurance Company** <br>

**Brighthouse Shield**<sup>®</sup> **Level II 6-Year Annuity** <br>

**Updating Summary Prospectus** 

**April 27, 2026**

**An individual single premium deferred index-linked annuity contract** 

This Summary Prospectus summarizes key features of the Brighthouse Shield<sup>®</sup> Level II 6-Year Annuity contract (the "Contract" or "contract"), an individual single premium deferred index-linked annuity contract, issued by Brighthouse Life Insurance Company ("BLIC", the "Company", or "we" or "us"). Before you invest, you should also review the prospectus for the Contract, which contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF248?site=BHF1. You can also obtain this information at no cost by calling (888) 243-1932 or by sending an email request to rcg@brighthousefinancial.com.

The currently offered Shield Options provide that we will absorb losses at least equal to 10%, 15%, and 25%. Under these Shield Options, the maximum amount of loss you could experience due to negative index performance at the end of a Term, after taking into account these levels of protection, would be: 90% for 10% downside protection; 85% for 15% downside protection; and 75% for 25% downside protection. **We do not guarantee that there will always be a Shield Option under the Contract that provides this minimum amount of downside protection; however, there will always be at least one Shield Option available with a minimum of 5% downside protection.** In return for downside protection, we may limit positive index gains for the Shield Options.

**We limit the amount you can earn on a Shield Option through the Rate Crediting Type. The Minimum Guaranteed Cap Rate for your Contract is the amount shown in the Cap Rate Shield Option Rider attached to your Contract, but will not be less than 2%. The Minimum Guaranteed Step Rate for your Contract is the amount shown in the Step Rate Shield Option Rider attached to your Contract, but will not be less than 2%. The Minimum Guaranteed Edge Rate for your Contract is the amount shown in the Step Rate Edge Shield Option Rider attached to your Contract, but will not be less than 2%. For Par Cap Rate Shield Options, the Minimum Guaranteed Participation Rate and the Minimum Guaranteed Cap Rate for your Contract is the amount shown in the Participation Rate Cap Rate Fee Shield Option Rider attached to your Contract, but the Participation Rate will not be less than 100%.** 

The Contract is a complex investment. Investment in the Contract involves investment risks, including potential loss of principal. You should not buy this Contract if you are not willing to assume these investment risks.

**The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Contract permits ongoing withdrawals from the Shield Options prior to the Term End Date. However, the Contract may not be appropriate for you if you plan to take withdrawals from a Shield Option prior to the Term End Date, especially if you plan to take ongoing withdrawals such as required minimum distributions or withdrawals under the systematic withdrawal program. Withdrawals (including required minimum distributions ("RMDs") and systematic withdrawals) and Surrenders may be subject to Withdrawal Charges, income taxes, and income tax penalties if taken before age 59½, and, if taken from the Shield Options before the end of a Term, may be based on an Interim Value calculation. The Shield Option Fee will also be deducted when certain transactions (withdrawals (including RMDs and systematic withdrawals), Surrenders, annuitization or the payment of the death benefit) occur on any day other than the Term End Date or during the** 

**Transfer Period and will be based on an Interim Value calculation. A negative Interim Value could result in loss beyond the protection of the Shield Rate. In extreme circumstances, you could lose up to 100% of the value of the Shield Option if you make a withdrawal or Surrender from the Shield Options or if you exercise the Performance Lock before the Term End Date. If you do intend to take ongoing withdrawals under the Contract, particularly from a Shield Option during the Term, you should consult with a financial professional about whether the Contract is appropriate for you.**

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BLIC's obligations under the Contract are subject to our financial strength and claims-paying ability. Additional general information about certain investment products, including index-linked 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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| | |
|:---|:---|
| [SPECIAL TERMS](#xx_d5f80d64-9ca6-48b0-bfad-65f548338117_1) | 4  |
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_a1bd727c-11be-4b74-a271-4719743d02da_1) | 6  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_3dc17e5f-dc8c-426d-a74a-65f5df421db1_1) | 7  |
| [Appendix A](#xx_b965b67d-fda7-45e8-9c73-0a00e16a32ab_1)[—](#xx_b965b67d-fda7-45e8-9c73-0a00e16a32ab_1)[Investment Options Available Under The Contract](#xx_b965b67d-fda7-45e8-9c73-0a00e16a32ab_1) | A-1  |

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**SPECIAL TERMS**

In this summary prospectus, the following capitalized terms have the indicated meanings:

**Account Value.** The total of the Fixed Account Value, the value of the Shield Option(s), and the Holding Account value under the Contract during the Accumulation Period.

**Accumulation Period.** The period prior to the Annuity Date.

**Allocation Option.** Includes the Shield Option(s), the Fixed Account, and Holding Account. The Holding Account is not an allocation option that you can allocate your Purchase Payment or Account Value into and there are only certain circumstances where we will transfer amounts to the Holding Account. See "HOLDING ACCOUNT."

**Cap Rate.** The maximum rate that may be credited at the Term End Date based on Index Performance. **The Cap Rate may vary between Shield Options and, unless you have a Shield Option with a 1-year Term, is not an annual rate.**

**Contract.** The legal agreement between you and BLIC. It contains relevant provisions of your deferred annuity.

**Contract Anniversary.** An anniversary of the Issue Date of the Contract.

**Contract Schedule.** The schedule attached to your Contract.

**Contract Year**. A one-year period starting on the Issue Date and on each Contract Anniversary thereafter.

**Edge Rate.** The rate credited at the Term End Date if the Index Performance is equal to or greater than the Shield Rate. **The Edge Rate may vary between Shield Options and, unless you have a Shield Option with a 1-year Term, it is not an annual rate.** A Shield Option with an Edge Rate may also be referred to as a "Shield Option with Step Rate Edge" in the prospectus.

**Fixed Account.** An account, if available, that consists of all of the assets under the Contract other than those in the Separate Account or Holding Account. You may allocate your Purchase Payment to the Fixed Account, and you may make a transfer into or out of the Fixed Account. The Fixed Account is part of the General Account assets of BLIC.

**Fixed Account Term.** The length of time over which the current Fixed Account interest rate is guaranteed. No Fixed Account Term will extend beyond the Annuity Date. The minimum Fixed Account Term depends on the date your Contract is issued but will not be less than one (1) year.

**Fixed Account Term End Date.** The Contract Anniversary on which a Fixed Account Term ends.

**Fixed Account Value.** The initial Fixed Account Value is the amount of your Purchase Payment initially allocated to the Fixed Account. Thereafter, the Fixed Account Value equals: (a) the initial Fixed Account Value or the Fixed Account Value on the most recent Contract Anniversary, including any transfers, whichever is applicable; plus (b) any interest credited by us; less (c) the amount of any withdrawals (including any applicable Withdrawal Charges); and less (d) any Premium Tax or other taxes, if applicable.

**Free Withdrawal Amount.** The Free Withdrawal Amount in the first Contract Year is zero. Thereafter, the Free Withdrawal Amount each Contract Year is equal to 10% of your Account Value as of the prior Contract Anniversary, less the total amount withdrawn from the Account Value in the current Contract Year. The Free Withdrawal Amount is non-cumulative and is not carried over to other Contract Years. If you take a withdrawal of your Free Withdrawal Amounts on any day other than the Term End Date or during the Transfer Period, we will assess a Shield Option Fee.

**Holding Account.** An account that may hold Account Value prior to being transferred to the Shield Option(s) and/or the Fixed Account in accordance with your allocation instructions. Transfers can only occur on a Contract Anniversary. The Holding Account has its own Holding Account interest rate, which is a fixed interest rate, and interest is credited daily at an effective annual rate that we declare periodically. The Holding Account is part of the General Account assets of BLIC.

**Index (Indices).** The underlying index associated with a Shield Option which is used to determine the Index Performance on a Term End Date. We currently offer Shield Options with indices based on the performance of securities. In the future we may offer Shield Options based on other types of Indices. We may also add other indices at our discretion.

**Index Performance.** The percentage change in the Index Value measured from the Term Start Date to any day, including the Term End Date, within the Term. Index Performance can be positive, zero or negative.

**Index Value.**The Index Value of an Index, on a Business Day, is the published closing value of the Index on that Business Day. The Index Value on any day that is not a Business Day is the value as of the prior Business Day. If an Index Value is not published on a Business Day, the closing Index Value on the next Business Day in which the Index Value is published will be used.

**Interim Value.** For each Shield Option, Interim Value is the value we assign on any Business Day other than the Term Start Date and the Term End Date. During the Transfer Period, the Interim Value of each Shield Option is equal to the Investment Amount at the Term End Date in that Shield Option. After the Transfer Period, the Interim Value is a calculated value (as described in the "Interim Value Calculation" section) and is the amount that is available for annuitization, death benefits, withdrawals, Surrenders, and Performance Lock.

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**Investment Amount**. The Investment Amount, for any Shield Option, is the amount that is allocated to the Shield Option at the Term Start Date, reduced proportionately for any withdrawals at the time of such withdrawals (including any applicable Withdrawal Charge) by the same percentage that the withdrawal reduces the Interim Value attributable to that Shield Option, and then, at Term End Date, adjusted by the Performance Rate. The remaining Investment Amount after a withdrawal will be used as the new Investment Amount for the Term until the Term End Date or the next Interim Value calculation for that Shield Option.

**Issue Date.** The date the Contract is issued.

**Performance Lock.** A feature that allows you the option to lock in the Interim Value of a Shield Option and that is automatically included with your Contract on the Issue Date for no additional charge.

**Performance Lock Value.** The value of a Shield Option after exercising Performance Lock. The Performance Lock Value is equal to the Interim Value at the end of the Business Day that you exercise Performance Lock, reduced by the dollar amount of any subsequent withdrawals (including any applicable Withdrawal Charges and Shield Option Fee deductions). The Performance Lock Value of a Shield Option with a Shield Option Fee will also be reduced by the Shield Option Fee amount on each subsequent Contract Anniversary and the Term End Date.

**Performance Rate.** The rate credited at the Term End Date and is based on the Index Performance, adjusted for the applicable Shield Rate and Rate Crediting Type. The Performance Rate represents a percentage that can be positive, zero or negative. At the Term End Date, any increase or reduction in the Investment Amount in a particular Shield Option is determined by multiplying the Performance Rate by the Investment Amount of the Shield Option on the last day of the Term.

**Purchase Payment.** The amount paid to us under the Contract as consideration for the benefits it provides.

**Rate Crediting Type.** Either the Cap Rate, Step Rate, Step Rate Edge, or Participation Rate.

**Shield Option.** You may allocate your Purchase Payment or transfer your Investment Amount to one or more of the available Shield Options. Each Shield Option offered through this Contract has an associated Term, Index, Shield Rate and a Rate Crediting Type. Certain Shield Options have both a Participation Rate and a Cap Rate ("Par Cap Rate Shield Options" and referred to as "Participation Rate Cap Rate Fee Shield Options" in the Participation Rate Cap Rate Fee Shield Option Rider attached to your Contract). Par Cap Rate Shield Options have a Shield Option Fee and are not available for Contracts issued before April 27, 2026.

**Shield Rate.** A limited buffer where we absorb part of any negative Index Performance at the Term End Date. Any negative Index Performance beyond the Shield Rate will reduce the Investment Amount associated with the Shield Option. **The Shield Rate may vary between Shield Options and, unless you have a Shield Option with a 1-year Term, is not an annual rate**. We currently offer the following Shield Rates: Shield 10, Shield 15, and Shield 25. The Shield Rate does not protect you from a Shield Option Fee.

**Step Rate.** The rate credited at the Term End Date if the Index Performance is equal to or greater than zero. **The Step Rate may vary between Shield Options and, unless you have a Shield Option with a 1-year Term, is not an annual rate.**

**Surrender.** A full withdrawal of your Account Value.

**Term.** The Term is the number of years that the Shield Option is in effect. We currently offer Terms of 1 year, 2 years, 3 years or 6 years. The initial Term(s) begin on the Issue Date.

**Term End Date.** The Contract Anniversary on which a Shield Option ends.

**Term Start Date.** The Contract Anniversary on which a Shield Option is established. The initial Term Start Date(s) begins on the Issue Date, and thereafter, will be the Contract Anniversary coinciding with the duration of the current Term you have selected.

**Transfer Period.** The five (5) calendar days following the Contract Anniversary coinciding with the Term End Date for each applicable Shield Option and/or the Fixed Account Term End Date for the Fixed Account, during the Accumulation Period.

**Withdrawal Charge.** A charge applied to the percentage of the amount withdrawn from your Account Value in a Contract Year in excess of the Free Withdrawal Amount.

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

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

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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> **the Prospectus**<br>|
| **Are There Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.**<br> If you withdraw money from the Contract within the first 6 full Contract Years <br> after the Issue Date of your Contract, you may be assessed a Withdrawal <br> Charge of up to 7% of the amount withdrawn in excess of the Free Withdrawal <br> Amount, declining to 0% over that time period.<br>For example, if you make a withdrawal, you could pay a Withdrawal Charge of <br> up to $7,000 on a $100,000 investment. This loss will be greater if there is a <br> negative Interim Value, taxes, or tax penalties.<br>If you exercise the Performance Lock or all or a portion of the Account Value is <br> removed from a Shield Option or from the Contract before the end of a Term, <br> we will apply an Interim Value calculation, which may be negative. In extreme <br> circumstances, you could lose up to 100% of the value of your Shield Option if <br> you exercise the Performance Lock, or if you make a withdrawal, Surrender, <br> or otherwise remove amounts from the Shield Options before the Term End <br> Date due to a negative Interim Value.<br>For example, if you allocate $100,000 to a Shield Option with a 3-year Term, <br> and later withdraw the entire amount before the Term has ended, you could <br> lose up to $100,000 of your investment. This loss will be greater if you also <br> have to pay a Withdrawal Charge, taxes, and tax penalties.<br>Between the Term Start Date and the Term End Date, we use the Interim Value <br> to calculate the amount that is available for (1) annuitization; (2) death <br> benefits; (3) withdrawals (including RMDs and systematic withdrawals); (4) <br> Surrenders; and (5) Performance Lock. If you are allocated to a Shield Option <br> with a Shield Option Fee, the Shield Option Fee will also be deducted from <br> the Interim Value or Performance Lock Value when certain transactions <br> (withdrawals (including RMDs and systematic withdrawals), Surrenders, <br> annuitization or the payment of the death benefit) occur on any day other than <br> the Term End Date or during the Transfer Period.  | &nbsp;&nbsp; **FEE TABLE**<br>**CHARGES,**<br> **FEES, AND**<br> **ADJUSTMENTS**<br>**INTERIM VALUE** <br> **CALCULATION**<br>|
| **Are There Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to the Withdrawal Charges and Interim Value calculation, you <br> may also be charged for other transactions. Certain Shield Options have a <br> Shield Option Fee. If you are allocated to a Shield Option with a Shield Option <br> Fee and withdrawals (including RMDs and systematic withdrawals), <br> Surrenders, annuitization or the payment of the death benefit occur on any <br> day other than the Term End Date or during the Transfer Period, the Shield <br> Option Fee amount is deducted at the time the amounts are withdrawn or <br> removed from the Shield Option. If you make a full withdrawal from a Shield <br> Option with a Shield Option Fee on any date other than the Term End Date or <br> during the Transfer Period, the Shield Option Fee amount is equal to the Shield <br> Option Fee multiplied by the Interim Value or Performance Lock Value at the <br> time of the withdrawal. If you make a partial withdrawal from a Shield Option <br> with a Shield Option Fee on any date other than the Term End Date or during <br> the Transfer Period, the Shield Option Fee amount is equal to the Shield Option <br> Fee multiplied by the portion of the withdrawal amount (includes any <br> applicable Withdrawal Charges and Premium Tax and other taxes) taken from <br> the Shield Option with a Shield Option Fee.  | &nbsp;&nbsp; **FEE TABLE**<br>**CHARGES, FEES,** <br> **AND** <br> **ADJUSTMENTS**<br>|
| **Are There Ongoing Fees** <br> **and Expenses?**<br>| &nbsp;&nbsp; Yes.<br> The table below describes the fees and expenses that you may pay each year, <br> depending on the options you choose. Please refer to your Contract <br> specifications page for information about the specific fees you will pay each <br> year based on the options you have elected. | &nbsp;&nbsp; **FEE TABLE**<br>**CHARGES, FEES,** <br> **AND** <br> **ADJUSTMENTS**<br>|

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|:---|:---|
| **Fees, Expenses and Adjustments** | **Location in** |

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&nbsp;&nbsp;&nbsp;&nbsp; **the Prospectus** 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;Account Term. If theFixed Accountis not available, theInvestment Amountwill automatically be transferred into theHolding Account.●If you do not provide transfer instructions during theTransfer
Periodfollowing theFixed Account Term End Date, anyFixed Account Valuewillremain in theFixed Accountfor anotherFixed Account Term, subject to thenew interest rate declared for thatTerm. If theFixed Accountis no longeravailable at theFixed Account Term End Date, theFixed Account Valuewillautomatically be transferred into theHolding Account. 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;Transfer
Period at the end of each Term.○If you have exercised the Performance Lock, you may transfer on anyContract Anniversary prior to the end of the Term and on the Term EndDate. If you transfer the Performance Lock Value on a
ContractAnniversary before the Term End Date, you may only
transfer the entireamount of the Performance Lock Value. If
you transfer the PerformanceLock Value on the Term End Date,
you may transfer all or a portion of thePerformance Lock
Value. Partial transfers of the Performance Lock Valueprior
to the Term End Date are not permitted.○Transfers from theHolding Accountmay only be made on aContractAnniversary.○The minimum transfer amount is $500.●The availability ofAllocation Optionsmay vary depending on the selling firmor state through which yourContractis sold.●We can add or discontinue anyShield Option. We are not obligated to offerany one particularShield Option, but after yourContractis issued, there willalways be oneShield Optionavailable, although it may not be substantiallysimilar to any one of the currently availableShield Options.●We have the right to substitute a comparable index prior to theTerm EndDateif anyIndexis discontinued or we determine that our use of suchIndexshould be discontinued because we are no longer licensed to use theIndex, the method of calculation of theIndex Valueis substantially changed,or ifIndex Valuesbecome unavailable for any reason.●We may changeCap Rates,Step Rates,Edge Rates, andParticipation Ratesdeclared for theShield Optionsfrom oneTermto the next, subject to theminimum guaranteed rates.●EachShield Option'sShield Rateis guaranteed not to change for the life ofthe currently offeredShield Options.However, we may add or discontinueanyShield Option, so theShield Ratesoffered under theContractmaychange from oneTermto the next.●We may change the interest rate for theFixed Accountdeclared from oneFixed Account Termto the next, subject to the Minimum GuaranteedInterest rate applicable to anyContract, which will not be less than 1%.●TheContractis a single premium product. AdditionalPurchase Paymentswill not be accepted. **ADDITION OR** **DISCONTINUANCE** **OF A SHIELD** **OPTION** **TRANSFERS** **THE FIXED** **ACCOUNT** **THE HOLDING** **ACCOUNT** **APPENDIX G** **APPENDIX H** 

&nbsp;&nbsp;&nbsp;&nbsp;**Taxes** 

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

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|  | **Conflicts of Interest** |  |
| **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; to you in the form of commissions, additional cash benefits (e.g., bonuses), <br> and non-cash compensation. This conflict of interest may influence your <br> financial professional to recommend this Contract over another investment for <br> which the financial professional is not compensated or compensated less. | **THE CONTRACTS**  |
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; If you already own an insurance contract, some financial professionals may <br> have a financial incentive to offer you a new contract in place of the one you <br> already own. You should only exchange your contract if you determine, after <br> comparing the features, fees, and risks of both contracts, and any fees or <br> penalties to terminate the existing contract, that it is preferable for you to <br> purchase the new contract rather than continue to own the existing Contract. | &nbsp;&nbsp; **THE ANNUITY** <br> **CONTRACT –** <br> **REPLACEMENT OF** <br> **CONTRACTS** <br>|

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**Appendix A**

**Investment Options Available Under The Contract**

The following is a list of Shield Options currently available under the Contract. The availability of Allocation Options may vary depending on the selling firm through which your Contract is sold. See Appendix H – Financial Intermediary Variations. We may change the features of the Shield Options listed below (including the Index and the current limits on Index gains and losses), offer new Shield Options, and terminate existing Shield Options. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at https://www.brighthousefinancial.com/products/rates/. See "SHIELD OPTIONS," "SHIELD RATES," and "RATE CREDITING TYPES" sections in the prospectus for more information.

**Note: If amounts are removed from a Shield Option before the end of a Term, we will apply an Interim Value calculation. This Interim Value calculation may result in a significant reduction in your Account Value that could exceed any protection from Index loss that would be in place if you held the option until the end of the Term.** See "Interim Value Calculation" under "CHARGES, FEES, AND ADJUSTMENTS" and the "WITHDRAWAL PROVISIONS" section in the prospectus for more information.

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|:---|:---|:---|:---|:---|:---|:---|
| **Index**<sup>1</sup> <br>| &nbsp;&nbsp; **Type of** <br> **Index**<br>| **Term** | &nbsp;&nbsp; **Current** <br> **Shield**<br> **Rate (if held**<br> **until end of**<br> **Term)**<br>| &nbsp;&nbsp; **Minimum**<br> **Guaranteed**<br> **Rate for Rate**<br> **Crediting Type**<br> **(for life of**<br> **Shield Option)** | &nbsp;&nbsp; **Minimum**<br> **Guaranteed**<br> **Rate for Rate**<br> **Crediting Type**<br> **(for life of**<br> **Shield Option)** | &nbsp;&nbsp; **Shield**<br> **Option** <br> **Fee**<br>|
| S&P 500<sup>®</sup> Index | Market Index | 1 Year | 25% | 2% | Cap Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 1 Year | 15% | 2% | Cap Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 1 Year | 10% | 2% | Cap Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 1 Year | 15% | 2% | Step Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 1 Year | 15% | 2% | Edge Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 1 Year | 10% | 2% | Step Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 1 Year | 10% | 2% | Edge Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 2 Year | 15% | 3% | Step Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 2 Year | 15% | 3% | Edge Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 2 Year | 10% | 3% | Step Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 2 Year | 10% | 3% | Edge Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 3 Year | 15% | 6% | Cap Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 3 Year | 10% | 6% | Cap Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 25% | 8% | Cap Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 15% | 8% | Cap Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 10% | 8% | Cap Rate | n/a |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 25% | 8% | Cap Rate <br> and <br>| 1.25% |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 25% | 100% | Participation <br> Rate\*<br>| 1.25% |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 15% | 8% | Cap Rate <br> and <br>| 1.25% |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 15% | 100% | Participation <br> Rate\*<br>| 1.25% |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 10% | 8% | Cap Rate <br> and<br>| 1.25% |
| S&P 500<sup>®</sup> Index | Market Index | 6 Year | 10% | 100% | Participation <br> Rate\*<br>| 1.25% |
| Russell 2000<sup>®</sup> Index | Market Index | 1 Year | 25% | 2% | Cap Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 1 Year | 15% | 2% | Cap Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 1 Year | 10% | 2% | Cap Rate | n/a |

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|:---|:---|:---|:---|:---|:---|:---|
| **Index**<sup>1</sup> | &nbsp;&nbsp; **Type of** <br> **Index**<br>| **Term** | &nbsp;&nbsp; **Current** <br> **Shield**<br> **Rate (if held**<br> **until end of**<br> **Term)**<br>| &nbsp;&nbsp; **Minimum**<br> **Guaranteed**<br> **Rate for Rate**<br> **Crediting Type**<br> **(for life of**<br> **Shield Option)** | &nbsp;&nbsp; **Minimum**<br> **Guaranteed**<br> **Rate for Rate**<br> **Crediting Type**<br> **(for life of**<br> **Shield Option)** | &nbsp;&nbsp; **Shield**<br> **Option** <br> **Fee**<br>|
| Russell 2000<sup>®</sup> Index | Market Index | 1 Year | 15% | 2% | Step Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 1 Year | 15% | 2% | Edge Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 1 Year | 10% | 2% | Step Rate | n/a |
| Russell 2000<sup>®</sup> Index  | Market Index | 1 Year | 10% | 2% | Edge Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 2 Year | 15% | 3% | Step Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 2 Year | 15% | 3% | Edge Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 2 Year | 10% | 3% | Step Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 2 Year | 10% | 3% | Edge Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 3 Year | 15% | 6% | Cap Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 3 Year | 10% | 6% | Cap Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 25% | 8% | Cap Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 15% | 8% | Cap Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 10% | 8% | Cap Rate | n/a |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 25% | 8% | Cap Rate <br> and <br>| 1.25% |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 25% | 100% | Participation <br> Rate\*<br>| 1.25% |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 15% | 8% | Cap Rate <br> and <br>| 1.25% |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 15% | 100% | Participation <br> Rate\*<br>| 1.25% |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 10% | 8% | Cap Rate <br> and <br>| 1.25% |
| Russell 2000<sup>®</sup> Index | Market Index | 6 Year | 10% | 100% | Participation <br> Rate\*<br>| 1.25% |
| MSCI EAFE Index | Market Index | 1 Year | 25% | 2% | Cap Rate | n/a |
| MSCI EAFE Index | Market Index | 1 Year | 15% | 2% | Cap Rate | n/a |
| MSCI EAFE Index | Market Index | 1 Year | 10% | 2% | Cap Rate | n/a |
| MSCI EAFE Index | Market Index | 1 Year | 15% | 2% | Step Rate | n/a |
| MSCI EAFE Index | Market Index | 1 Year | 15% | 2% | Edge Rate | n/a |
| MSCI EAFE Index | Market Index | 1 Year | 10% | 2% | Step Rate | n/a |
| MSCI EAFE Index | Market Index | 1 Year | 10% | 2% | Edge Rate | n/a |
| MSCI EAFE Index | Market Index | 2 Year | 15% | 3% | Step Rate | n/a |
| MSCI EAFE Index | Market Index | 2 Year | 15% | 3% | Edge Rate | n/a |
| MSCI EAFE Index | Market Index | 2 Year | 10% | 3% | Step Rate | n/a |
| MSCI EAFE Index | Market Index | 2 Year | 10% | 3% | Edge Rate | n/a |
| MSCI EAFE Index | Market Index | 3 Year | 15% | 6% | Cap Rate | n/a |
| MSCI EAFE Index | Market Index | 3 Year | 10% | 6% | Cap Rate | n/a |
| MSCI EAFE Index | Market Index | 6 Year | 25% | 8% | Cap Rate | n/a |
| MSCI EAFE Index | Market Index | 6 Year | 15% | 8% | Cap Rate | n/a |
| MSCI EAFE Index | Market Index | 6 Year | 10% | 8% | Cap Rate | n/a |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Index**<sup>1</sup> | &nbsp;&nbsp; **Type of** <br> **Index**<br>| **Term** | &nbsp;&nbsp; **Current** <br> **Shield**<br> **Rate (if held**<br> **until end of**<br> **Term)**<br>| &nbsp;&nbsp; **Minimum**<br> **Guaranteed**<br> **Rate for Rate**<br> **Crediting Type**<br> **(for life of**<br> **Shield Option)** | &nbsp;&nbsp; **Minimum**<br> **Guaranteed**<br> **Rate for Rate**<br> **Crediting Type**<br> **(for life of**<br> **Shield Option)** | &nbsp;&nbsp; **Shield**<br> **Option** <br> **Fee**<br>|
| MSCI EAFE Index | Market Index | 6 Year | 25% | 8% | Cap Rate <br> and <br>| 1.25% |
| MSCI EAFE Index | Market Index | 6 Year | 25% | 100% | Participation <br> Rate\*<br>| 1.25% |
| MSCI EAFE Index | Market Index | 6 Year | 15% | 8% | Cap Rate <br> and <br>| 1.25% |
| MSCI EAFE Index | Market Index | 6 Year | 15% | 100% | Participation <br> Rate\*<br>| 1.25% |
| MSCI EAFE Index | Market Index | 6 Year | 10% | 8% | Cap Rate <br> and <br>| 1.25% |
| MSCI EAFE Index | Market Index | 6 Year | 10% | 100% | Participation <br> Rate\*<br>| 1.25% |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 1 Year | 25% | 2% | Cap Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 1 Year | 15% | 2% | Cap Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 1 Year | 10% | 2% | Cap Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 1 Year | 15% | 2% | Step Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 1 Year | 15% | 2% | Edge Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 1 Year | 10% | 2% | Step Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 1 Year | 10% | 2% | Edge Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 2 Year | 15% | 3% | Step Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 2 Year | 15% | 3% | Edge Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 2 Year | 10% | 3% | Step Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 2 Year | 10% | 3% | Edge Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 3 Year | 15% | 6% | Cap Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 3 Year | 10% | 6% | Cap Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 6 Year | 25% | 8% | Cap Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 6 Year | 15% | 8% | Cap Rate | n/a |
| Nasdaq-100 Index<sup>®</sup> <br>| Market Index | 6 Year | 10% | 8% | Cap Rate | n/a |
| Nasdaq-100 Index<sup>®</sup>  | Market Index | 6 Year | 25% | 8% | Cap Rate <br> and <br>| 1.25% |
| Nasdaq-100 Index<sup>®</sup>  | Market Index | 6 Year | 25% | 100% | Participation <br> Rate\*<br>| 1.25% |
| Nasdaq-100 Index<sup>®</sup>  | Market Index | 6 Year | 15% | 8% | Cap Rate <br> and <br>| 1.25% |
| Nasdaq-100 Index<sup>®</sup>  | Market Index | 6 Year | 15% | 100% | Participation <br> Rate\*<br>| 1.25% |
| Nasdaq-100 Index<sup>®</sup>  | Market Index | 6 Year | 10% | 8% | Cap Rate <br> and <br>| 1.25% |
| Nasdaq-100 Index<sup>®</sup>  | Market Index | 6 Year | 10% | 100% | Participation <br> Rate\*<br>| 1.25% |

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<sup>1</sup> Each Index is a "price return index," not a "total return index," and therefore does not reflect dividends declared by any of the companies in the Index. This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.

\* Par Cap Rate Shield Options are not available for Contracts issued before April 27, 2026.

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**We do not guarantee that there will always be a Shield Option under the Contract that provides this minimum amount of downside protection; however, there will always be at least one Shield Option available with a minimum of 5% downside protection.**

**The Minimum Guaranteed Cap Rate for your Contract is the amount shown in the Cap Rate Shield Option Rider attached to your Contract, but will not be less than 2%. The Minimum Guaranteed Step Rate for your Contract is the amount shown in the Step Rate Shield Option Rider attached to your Contract, but will not be less than 2%. The Minimum Guaranteed Edge Rate for your Contract is the amount shown in the Step Rate Edge Shield Option Rider attached to your Contract, but will not be less than 2%. The Minimum Guaranteed Participation Rate and the Minimum Guaranteed Cap Rate for your Contract is the amount shown in the Participation Rate Cap Rate Fee Shield Option Rider attached to your Contract, but the Participation Rate will not be less than 100%.**

The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below, offer new Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before doing so. See "THE FIXED ACCOUNT" section in the prospectus and Appendix E in the prospectus for information regarding the Fixed Account.

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| | | |
|:---|:---|:---|
| **Name** | **Fixed Account Term** | **Minimum Guaranteed Interest Rate**<sup>2</sup> <br>|
| Fixed Account | 1 Year | 1% |

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<sup>2</sup> The actual Minimum Guaranteed Interest Rate for your Contract is the amount shown in the Fixed Account Rider attached to your Contract and applies only to amounts in the Fixed Account.

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![](g875097bhouse_logo.jpg)

The prospectus and statement of additional information ("SAI") include additional information. [The prospectus and SAI are dated the](https://www.sec.gov/ix?doc=/Archives/edgar/data/2041679/000119312526163501/d31586d485bpos.htm)[same as this summary prospectus and are incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/2041679/000119312526163501/d31586d485bpos.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/BHF248?site=BHF1.

Reports and other information about BLIC 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 C000256662

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