# EDGAR Filing Document

**Accession Number:** 0002041679
**File Stem:** 0001193125-26-168182
**Filing Date:** 2026-4
**Character Count:** 75730
**Document Hash:** 73162533b5e056e8931300669d33202f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-168182.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-168182

**CONFORMED SUBMISSION TYPE**: 497VPI

**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:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-290022
- **FILM NUMBER:** 26881183

**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   |
|:---|:---|:---|
| C000266105 | Gold Track Select and Registered Fixed Account Option |  |

![](g42280bhouse_logo.jpg)

**Gold Track Select**

**ISSUED BY**

**BRIGHTHOUSE LIFE INSURANCE COMPANY**

**Summary Prospectus for New Investors**

**April 27, 2026**

**A Flexible Premium Variable and Fixed Annuity Contract** <br>

This Summary Prospectus summarizes key features Gold Track Select Annuity Contract, a flexible premium variable and fixed annuity contract issued by Brighthouse Life Insurance Company (the "Company," or "We," "Us," or "Our"), which is available on a group basis. 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/BHF79. You can also obtain this information at no cost by calling (833) 208-3018 or by sending an email request to rcg@brighthousefinancial.com.

\* \* \* \* \* \* \* \* \* \* \* \*

**YOU MAY BE ABLE TO CANCEL YOUR CONTRACT WITHIN 10 DAYS OF RECEIVING IT WITHOUT PAYING** <br> **FEES OR PENALTIES.** 

**If You are a new investor in a group allocated Contract, You may cancel Your Contract within 10 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, You will receive either a full refund of the amount You paid with Your application or Your total Contract value. You should review the prospectus, or consult with Your investment professional, for additional information about the specific cancellation terms that apply.**

\* \* \* \* \* \* \* \* \* \* \* \*

The Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Full and partial surrenders from the Contract could result in withdrawal charges, taxes, and tax penalties. In addition, certain withdrawals from the Fixed Account will also be subject to a Market Value Adjustment that may result in loss, including full surrenders due to discontinuation of the Contract during the Accumulation Period. In extreme circumstances, You could lose up to 100% of the amount withdrawn or surrendered from the Fixed Account due to a negative Market Value Adjustment.

Our obligations under the Contract are subject to Our financial strength and claims-paying ability. Additional general information about certain investment products, including 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 the adequacy of this prospectus. Any representation to the contrary is a criminal offense.**

------

**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
|  | **Page** |
| [Glossary](#xx_4605c2c9-6992-4f48-a2d3-d4a5dba6c7c0_1) | 3  |
| [Overview of the Contract](#xx_0936fc99-25db-4bf5-abdf-d7210420ddb6_1) | 5  |
| [Important Information You Should Consider About the Contract](#xx_4565324e-abc3-4005-918a-2ba614d2e0a9_1) | 7  |
| [Benefits Under the Contract](#xx_95d2f053-5f07-4a42-a405-c40dbe7666d2_1) | 12  |
| [Buying the Contract](#xx_95d2f053-5f07-4a42-a405-c40dbe7666d2_3) | 14  |
| [Making Withdrawals: Accessing the Money in Your Contract](#xx_95d2f053-5f07-4a42-a405-c40dbe7666d2_4) | 15  |
| [Additional Information About Fees](#xx_c8c4a1d6-6705-4377-83b7-325b5523e22c_1) | 17  |
| [Appendix](#xx_a41a6797-dbf8-4b16-b65d-2bce9f1144e3_1)[A:](#xx_a41a6797-dbf8-4b16-b65d-2bce9f1144e3_1)[Investment Options Available Under the Contract](#xx_a41a6797-dbf8-4b16-b65d-2bce9f1144e3_1) | A-1 |

---

------

**Glossary**

**Accumulation Period** — the period before the commencement of Annuity payments.

**Annuitant** — a person on whose life the Maturity Date depends and Annuity Payments are made. The Maturity Date is the date on which Annuity Payments are to begin.

**Annuity** — payment of income for a stated period or amount.

**Annuity Payments** — a series of periodic payments (i) for life; (ii) for life with a minimum number of payments; (iii) for the joint lifetime of the Annuitant and another person, and thereafter during the lifetime of the survivor; or (iv) for a fixed period.

**Annuity Period** — the period following commencement of Annuity payments.

**Beneficiary(ies)** — the person(s) or trustee designated to receive any remaining contractual benefits in the event of a Participant's, Annuitant's or Contract Owner's death, as applicable.

**Business Day** — a day on which the New York Stock Exchange ("NYSE") is open for business.

**Cash Surrender Value** — the Contract Value less any amounts deducted upon a withdrawal or surrender, outstanding loans, if available under the Contract, any applicable Premium Taxes or other withdrawal charges not previously deducted. The Cash Surrender Value is not adjusted by the Market Value Adjustment.

**Code** — the Internal Revenue Code of 1986, as amended, and all related laws and regulations that are in effect during the term of this Contract.

**Competing Fund** — any investment option under the Plan, which, in Our opinion, consists primarily of fixed-income securities and/or money market instruments.

**Company (We, Us, Our)** — Brighthouse Life Insurance Company.

**Contract** — for convenience, means the Contract or Certificate (*i.e.*, the document issued to Participants under a master group Contract). Any reference to the Contract includes the underlying Certificate unless the context provides otherwise.

**Contract Owner** — the person named in the Contract (on the specifications page). For certain group Contracts, the Contract Owner is the trustee or other entity which owns the Contract.

**Contract Value** — the value of Your Accumulation Units less any reductions for administrative charges, plus amounts held under the Fixed Account. An Accumulation Unit is an accounting unit of measure used to calculate Contract Values before Annuity Payments begin.

**Contract Year** — twelve-month periods beginning with the Contract Date, or any anniversary thereof. The Contract Date is the date on which the Contract is issued. For certain group Contracts, it is the date on which the Contract becomes effective, as shown on the specifications page of the Contract.

**Fixed Account** — an account that consists of all of the assets under the Contract other than those in the Separate Account. The Fixed Account investment option is described in a prospectus separate from the Contract's prospectus.

**Fixed Annuity** — an Annuity payout option with payments which remain fixed as to dollar amount throughout the payment period and which do not vary with the investment experience of a Separate Account.

**Funding Options** — the variable investment options to which Purchase Payments under the Contract may be allocated. Funding Options are also referred to as "Subaccounts."

**Good Order** — A request or transaction generally is considered in "Good Order" if it complies with Our administrative procedures and the required information is complete and accurate. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by Us of the instructions relating to the requested transaction in writing (or, when permitted, by telephone or Internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. We may, in Our sole discretion, determine whether any particular transaction request is in Good Order, and We reserve the right to change or waive any Good Order requirement at any time.

**Guarantee Period** — The period through the end of the first calendar year during which the Contract was purchased and successive 12-month periods thereafter during which a Guaranteed Interest Rate is credited.

------

**Home Office** — the Home Office of Brighthouse Life Insurance Company, 11225 North Community House Road, Charlotte, NC 28277, or any other office that We may designate for the purpose of administering this Contract. Unless We designate a different office, the office that administers the Contract is located at P.O. Box 4261, Clinton, IA 52733-4261.

**Market Value Adjustment** — applies to certain withdrawals from the Fixed Account including full withdrawals due to discontinuation of the Contract during the Accumulation Period. In the event of a discontinuance, the Market Value Adjustment reflects the relationship, at the time of surrender, between the rate of interest credited to funds on deposit under the Fixed Account at the time of discontinuance to the rate of interest credited on new deposits at the time of discontinuance. This calculation may result in a Market Value Adjustment, positive or negative, applied to Your withdrawal.

**Maturity Date** — the date on which the Annuity Payments are to begin.

**Participant —** an individual participating under a group Contract or an eligible person who is a member in the Plan under Sections 401(k), 403(a), 403(b), Keoghs, 457(b) of the Code and non-qualified deferred compensation plans.

**Plan** — for a group Contract, the plan or the arrangement used in a retirement plan or program whereby Purchase Payments and any gains are intended to qualify under Sections 401, 403, or 457 of the Code.

**Plan Administrator** — the corporation or other entity so specified on the application or purchase order. If none is specified, the Plan Trustee is the Plan Administrator.

**Plan Trustee** — the trustee specified in the Contract specifications.

**Premium Tax** — the amount of tax, if any, charged by the state or municipality on Purchase Payments.

**Purchase Payments** — the premium payment(s) applied to the Contract.

**Separate Account** — a segregated account, the assets of which are invested solely in the Underlying Funds. The assets of the Separate Account are held exclusively for the benefit of Contract Owners.

**Subaccount** — that portion of the assets of a Separate Account that is allocated to a particular Underlying Fund. Subaccounts are also referred to as "Funding Options."

**Underlying Fund** — a portfolio of an open-end management investment company in which You may invest through the Separate Account. May also be referred to as Portfolio Company.

**Variable Annuity** — an Annuity payout option providing for payments varying in amount in accordance with the investment experience of the assets held in the underlying securities of the Separate Account.

**You, Your** — "You," depending on the context, may be the Certificate holder, the Participant or the Contract Owner and a natural person, a trust established for the benefit of a natural person or a charitable remainder trust, or a Plan (or the employer purchaser who has purchased the Contract on behalf of the Plan).

------

***Overview of the Contract***

------

**Purpose.** The Contract is a variable and fixed annuity contract, which is available on both a group and individual basis. It provides a means for investing in Our Fixed Account and the Funding Options, together "investment options." The Contract is designed generally for an investor who intends to hold the Contract for a long period of time and then use the Contract Value (in the form of Annuity Payments or certain withdrawals) for retirement saving or other long-term investment purposes. The Contract is used in connection with (1) individual non-qualified purchases; (2) rollovers from individual retirement annuities; (3) rollovers from other qualified retirement Plans; and (4) Beneficiary-directed transfers of death proceeds from another Contract. The Contract has various features and benefits that may be appropriate for You based on Your financial situation and objectives. The Contract may include certain death benefit features, which can be used to transfer assets to Your Beneficiaries. If You are investing in this Contract through a Plan, it does not provide any additional tax deferral benefits beyond those provided by the Plan. Accordingly, if You are investing in this Contract through a Plan, You should consider investing in the Contract for its death benefit, Annuity option benefits or other non-tax related benefits. Your financial goal in acquiring the Contract should take into account the fact that there are withdrawal charges under the Contract, as well as a Market Value Adjustment on certain withdrawals from the Fixed Account, including full surrenders due to discontinuation of the Contract during the Accumulation Period. Because of the withdrawal charge (which is in effect for many years) the possibility of income tax and tax penalties on early withdrawals, and the Market Value Adjustment on full surrenders from the Fixed Account where there is a discontinuance of the Contract, the Contract should not be viewed as an investment vehicle offering low cost liquidity. Your financial goal in acquiring the Contract should focus on a long-term insurance product, offering the prospect of investment growth.

**Phases of the Contract.** The Contract has two phases: The Accumulation Period and the Annuity Period. During the Accumulation Period, earnings accumulate on a tax-deferred basis and are taxed as income when You make a withdrawal. To help You accumulate assets during the Accumulation Period, You can invest Your Purchase Payments and Contract Value in: (1) Funding Options available under the Contract, each of which has an Underlying Fund with its own investment strategies and risks; investment adviser(s); expense ratio; and performance history; and (2) the Fixed Account option, which guarantees principal and interest.

**Additional information about the investment options in which You can invest is provided in Appendix A.** 

The Annuity Period occurs when You begin receiving Annuity Payments from Your Contract. The amount of money You accumulate in Your Contract during the Accumulation Period factors into the amount of income You receive during the Annuity Period. You may choose one of a number of Annuity options: You may receive income payments in the form of a Variable Annuity, a Fixed Annuity, or a combination of both. In general, You are unable to take withdrawals during the Annuity Period. There is no death benefit during the Annuity Period; however, depending on the Annuity option You elect, any remaining guarantee upon death may be paid to Your Beneficiary(ies).

**Contract Features.** The following is a brief description of the Contract's primary features.

**Subject to Plan Terms.** If You participate through a retirement Plan or other group arrangement, the Contract may provide that all or some of Your rights or choices are subject to the Plan's terms. For example, limitations on Your rights may apply to investment options, Purchase Payments, withdrawals, transfers, loans, the death benefit and Annuity options, and the availability of Contract benefits..

**Accessing Your Money.** Before You annuitize the Contract, You can withdraw money from Your Contract at any time. If You take a withdrawal, You may have to pay a withdrawal charge and/or income taxes, including a tax penalty if You are younger than age 59 ½. Certain withdrawals from the Fixed Account may also be subject to a Market Value Adjustment, including full withdrawals due to discontinuation of the Contract during the Accumulation Period. Withdrawals could significantly reduce the value of your Contract, the death benefit, the amount available for loans, and other Contract benefits. The reduction may be more than the amount withdrawn.

**Tax Treatment.** You can transfer money among investment options without tax implications, and earnings (if any) on Your investments are generally tax-deferred. You are only subject to tax upon: (1) making a withdrawal; (2) receiving a payment from Us; or (3) payment of a death benefit.

**Death Benefit.** The Contract includes, at no additional cost, a standard death benefit that will pay a death benefit to the Beneficiary(ies) if You die during the Accumulation Period. The death benefit is at least equal to the Contract Value

------

(less any amounts due such as a Premium Tax or outstanding loan amounts), and may be greater under certain circumstances. *The death benefit is included under allocated Contracts, but may not be available under an unallocated Contract.*

**Variable Liquidity Benefit.** If You elect the Annuity option "Payments for a Fixed Period of 120, 180 or 240 Months without Life Contingency," , You may exercise the Variable Liquidity Benefit during the Annuity Period. This benefit allows You to take withdrawals during the Annuity Period based on the present value of Your remaining Annuity Payments. Such withdrawals may significantly reduce or eliminate remaining Annuity Payments and may be subject to withdrawal charges.

**Additional Services.**

• **Dollar Cost Averaging Program.** This program allows You to systematically transfer a set amount from a Funding Option or the Fixed Account to one or more Funding Options on a monthly or quarterly basis.

• **Special Dollar Cost Averaging Program.** This program, if available, allows You to systematically make level transfers from the Fixed Account to one or more Funding Options over a specific number of months, with interest credited to amounts remaining in the Fixed Account during that time period.

• **Systematic Withdrawal Program.** This program allows You to receive regular automatic withdrawals from Your Contract either monthly, quarterly, semi-annually, or annually.

Market Value Adjustment

You could lose a significant amount of money due to a negative Market Value Adjustment in certain circumstances if all or a portion of the Contract Value is withdrawn from the Fixed Account. Only full surrenders from the Fixed Account due to a Contract discontinuation during the Accumulation Period will be subject to a Market Value Adjustment.

------

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

------

---

| | | |
|:---|:---|:---|
|  | **Fees, Expenses, and Adjustments** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There** <br> **Charges or** <br> **Adjustments for** <br> **Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** <br> If You withdraw money during the first 8 years under the Contract, You may <br> be assessed a surrender charge of up to 5%, as a percentage of the amount <br> surrendered.<br>For example, if You make an early withdrawal, You could pay a withdrawal <br> charge of up to $5,000 on a $100,000 investment.<br>Market Value Adjustments. If You surrender the entire amount in the Fixed <br> Account during the Accumulation Period due to a Contract <br> discontinuation, We will apply a Market Value Adjustment, which may be <br> negative. In extreme circumstances, You could lose up to 100% of the <br> amount surrendered due to a negative Market Value Adjustment. For <br> example, if You were to allocate $100,000 to the Fixed Account and later <br> surrender the Contract, You could lose up to $100,000 of Your investment. <br> This loss will be greater if You also have to pay withdrawal charges, taxes, <br> and tax penalties. Only full surrenders from the Fixed Account due to <br> Contract discontinuations will be subject to a Market Value Adjustment. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,** <br> **Deductions and** <br> **Adjustments –** <br> **Surrender Charge**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to withdrawal charges and Market Value Adjutments for <br> early withdrawals, You may also be charged for other transactions. There <br> may be taxes on Purchase Payments and loan initiation and maintenance <br> fees. <br>*Transfer Fee*. Currently, We do not charge for transfers. However, We <br> reserve the right to charge for transfers after the first 12 transfers per year. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,** <br> **Deductions and** <br> **Adjustments**<br>|

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay *each* <br> *year*, depending on the investment options You choose. Please refer to Your <br> Contract specifications page for information about the specific fees You will <br> pay each year based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay *each* <br> *year*, depending on the investment options You choose. Please refer to Your <br> Contract specifications page for information about the specific fees You will <br> pay each year based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay *each* <br> *year*, depending on the investment options You choose. Please refer to Your <br> Contract specifications page for information about the specific fees You will <br> pay each year based on the options You have elected. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Minimum** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?**<br> Base Contract<sup>1</sup> <br>| 1.40% | 1.40% | 1.40% | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?**<br> &nbsp;&nbsp; Portfolio Company fees <br> and expenses<sup>2</sup> <br>| 0.27% | 0.27% | 1.37% | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net assets of the Separate Account. The charge shown also <br> includes the Administrative Expense. <br> <sup>2</sup> As a percentage of Underlying Fund assets before temporary expense reimbursements and/or <br> fee waivers. | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net assets of the Separate Account. The charge shown also <br> includes the Administrative Expense. <br> <sup>2</sup> As a percentage of Underlying Fund assets before temporary expense reimbursements and/or <br> fee waivers. | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net assets of the Separate Account. The charge shown also <br> includes the Administrative Expense. <br> <sup>2</sup> As a percentage of Underlying Fund assets before temporary expense reimbursements and/or <br> fee waivers. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning Your <br> Contract, the following table shows the lowest and highest cost You could <br> pay *each year*, based on current charges. This estimate assumes that You do <br> not take withdrawals from the Contract**, which could add withdrawal** <br> **charges and negative Market Value Adjustment that substantially increase** <br> **costs.** | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning Your <br> Contract, the following table shows the lowest and highest cost You could <br> pay *each year*, based on current charges. This estimate assumes that You do <br> not take withdrawals from the Contract**, which could add withdrawal** <br> **charges and negative Market Value Adjustment that substantially increase** <br> **costs.** | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning Your <br> Contract, the following table shows the lowest and highest cost You could <br> pay *each year*, based on current charges. This estimate assumes that You do <br> not take withdrawals from the Contract**, which could add withdrawal** <br> **charges and negative Market Value Adjustment that substantially increase** <br> **costs.** | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; **Lowest Annual Cost**<br> **$1,381** | &nbsp;&nbsp; **Highest Annual Cost**<br> **$2,305** | &nbsp;&nbsp; **Highest Annual Cost**<br> **$2,305** | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Assumes:** | **Assumes:** | **Assumes:** | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp;&nbsp; ●Investment of $100,000<br> ●5% annual appreciation<br> ●Least expensive Portfolio Company <br> fees and expenses<br>●No additional Purchase Payments, <br> transfers, loans or withdrawals<br>●No surrender charges<br> ●No Market Value Adjustment | &nbsp;&nbsp;&nbsp; ●Investment of $100,000<br> ●5% annual appreciation<br> ●Most expensive Portfolio <br> Company fees and expenses<br>●No additional Purchase <br> Payments, transfers, loans or <br> withdrawals<br>●No surrender charges<br> ●No Market Value Adjustment | &nbsp;&nbsp;&nbsp; ●Investment of $100,000<br> ●5% annual appreciation<br> ●Most expensive Portfolio <br> Company fees and expenses<br>●No additional Purchase <br> Payments, transfers, loans or <br> withdrawals<br>●No surrender charges<br> ●No Market Value Adjustment | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Charges,,** <br> **Deductions and** <br> **Adjustments**<br>**Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |

---

------

**Risks** **Location in** **Prospectus** 

------

**Restrictions** **Location in** **Prospectus** 

**Taxes** 

**Conflict of Interest** 

------

---

| | | |
|:---|:---|:---|
|  | **Conflict of Interest** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Should I** <br> **Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; If You already own an insurance Contract, some investment professionals <br> may have a financial incentive to offer You a new Contract in place of the <br> one You own. You should only exchange a Contract You already own if You <br> determine, after comparing the features, fees, and risks of both Contracts, <br> that it is better for You to purchase the new Contract rather than continue to <br> own Your existing Contract. | &nbsp;&nbsp; **Other** <br> **Information –** <br> **Exchanges**<br>|

---

------

***Benefits Under the Contract***

------

**The following table summarizes information about the benefits under the Contract.** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Name of** <br> **Benefit**<br>| **Purpose** | &nbsp;&nbsp; **Standard**<br> **or**<br> **Optional**<br>| &nbsp;&nbsp; **Maximum**<br> **Fee**<br>| &nbsp;&nbsp; **Brief Description of**<br> **Restrictions /** <br> **Limitations**<br>|
| &nbsp;&nbsp; **Dollar Cost** <br> **Averaging** <br> **(DCA)** <br> **Program**<br>| &nbsp;&nbsp; Allows You to <br> systematically transfer a set <br> amount from a Funding <br> Option or the Fixed <br> Account (if available) to <br> one or more Funding <br> Options on a monthly or <br> quarterly basis<br>| Standard | No Charge | &nbsp;&nbsp;&nbsp; ●Available only during the <br> Accumulation Period<br>●Must have a minimum <br> total Contract Value of <br> $5,000 to enroll<br>●Minimum transfer <br> amount is $400<br>●Fixed Account Value <br> must not be depleted in <br> less than 12 months from <br> date of enrollment<br>●May only have one DCA <br> program in place at one <br> time<br>|
| &nbsp;&nbsp; **Special Dollar** <br> **Cost Averaging** <br> **(DCA)** <br> **Program**<br>| &nbsp;&nbsp; Allows You to <br> systematically make level <br> transfers from the Fixed <br> Account (if available) to <br> one or more Funding <br> Options over a 6-month, <br> 12-month, or 24-month <br> duration<br>| Standard | No Charge | &nbsp;&nbsp;&nbsp; ●Available only during the <br> Accumulation Period<br>●Fixed Account must be <br> available for investment<br>●Must have a minimum <br> total Contract Value of <br> $5,000 to enroll<br>●Minimum transfer <br> amount is $400<br>●May only have one DCA <br> program in place at one <br> time<br>●Interest rates credited on <br> amounts in the Fixed <br> Account may differ for <br> 6-month, 12-month, and <br> 24-month durations<br>|

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Name of** <br> **Benefit**<br>| **Purpose** | &nbsp;&nbsp; **Standard**<br> **or**<br> **Optional**<br>| &nbsp;&nbsp; **Maximum**<br> **Fee**<br>| &nbsp;&nbsp; **Brief Description of**<br> **Restrictions /** <br> **Limitations**<br>|
| &nbsp;&nbsp; **Systematic** <br> **Withdrawal** <br> **Program**<br>| &nbsp;&nbsp; Allows You to receive <br> regular automatic <br> withdrawals from Your <br> Contract<br>| Standard | No Charge | &nbsp;&nbsp;&nbsp; ●Each payment must be at <br> least $50 <br>●Withdrawals may only <br> be on a monthly, <br> quarterly, semi-annual, <br> or annual basis<br>●Must provide at least <br> 30 days' notice to <br> change instructions<br>●Upon 30-day written <br> notice, We may <br> discontinue this feature <br> at any time. <br>●We reserve the right to <br> charge a processing fee <br> in the future. If We do <br> so, We will inform You in <br> writing 30 days in <br> advance.<br>|
| **Death Benefit** | &nbsp;&nbsp; Provides a death benefit at <br> least equal to the Contract <br> Value (less any amounts <br> due) to Your <br> Beneficiary(ies) if You die <br> during the Accumulation <br> Period<br>| Standard | No Charge | &nbsp;&nbsp;&nbsp; ●Amount payable <br> depends on multiple <br> factors, such as type of <br> Contract, age at time of <br> death, Contract Value, <br> total Purchase Payments, <br> and prior withdrawals<br>●Withdrawals may <br> significantly reduce the <br> benefit<br>●May not be available <br> under an unallocated <br> Contract<br>|
| &nbsp;&nbsp; **Variable** <br> **Liquidity** <br> **Benefit**<br>| &nbsp;&nbsp; Provides liquidity during <br> the Annuity Period by <br> allowing the Owner to <br> take withdrawals during <br> the Annuity Period based <br> on the present value of <br> Your remaining Annuity <br> Payments<br>| Optional | &nbsp;&nbsp; 5% upon exercise <br> (as a percentage of <br> the amount <br> withdrawn)<br>| &nbsp;&nbsp;&nbsp; ●Only offered in <br> connection with a <br> specific Annuity option <br> that includes payments <br> for a fixed period<br>●Withdrawals may <br> significantly reduce or <br> eliminate remaining <br> Annuity Payments<br>|

---

Each of these benefits are discussed more fully, as follows: the Dollar Cost Averaging programs are discussed in the prospectus section entitled "Transfers;" the Systematic Withdrawals Program is discussed in the prospectus section entitled "Access to Your Money;" the Death Benefit is discussed in the prospectus section entitled "Death Benefit;" and the Variable Liquidity Benefit is discussed in the prospectus section entitled "The Annuity Period."

The availability of benefits may vary by employer or Plan administrator. You should reference Your Plan documents or

speak with Your employer or Plan administrator for the benefits available to You.

------

***Buying the Contract***

------

**Purchasing the Contract**

The Contract is used in connection with 401(k) Plans, 403(a) Plans, 403(b) Plans, Keoghs, 457(b) Plans, and non-qualified deferred compensation Plans.

We no longer actively offer the Contracts to new purchasers, but We continue to accept new Participants under existing Contracts previously issued to Plans. We issue individual Certificates to Participants under a Plan's Contract. We refer to both Contracts and Certificates as "Contracts" unless the context provides otherwise. If Your Plan has the Contract and You are interested in becoming a Participant, please contact Your Plan Trustee or Plan Administrator.

**Purchase Payments** 

A Purchase Payment is the money You give Us to invest in the Contracts. The initial Purchase Payment is due on the date the Contracts becomes effective. Subsequent Purchase Payments may be made at any time during the Accumulation Period, subject to certain limitations.

Under a Plan's Contract, the minimum Purchase Payment allowed is an average of $1,000 annually per individual Certificate, or $10,000 annually for a Plan's Contract. We may refuse to accept total Purchase Payments over $3,000,000. Your ability to make Purchase Payments may also be restricted by law and may be subject to Plan requirements.

**Allocation of Purchase Payment**

We will allocate Your Purchase Payments to one or more of the Funding Options and/or to the Fixed Account in accordance with Your instructions. Where permitted by law, We reserve the right to restrict Purchase Payments into the Fixed Account whenever the credited interest rate on the Fixed Account is equal to the minimum guaranteed interest rate specified under the Contract.

**Crediting Purchase Payments to Your Account**

**Initial Purchase Payment.** We will apply the initial Purchase Payment less any applicable Premium Tax within two Business Days after We receive it at Our Home Office in Good Order. If Your request or other information accompanying the initial Purchase Payment is incomplete when received, We will hold the Purchase Payment for up to five Business Days. If We cannot obtain the necessary information within five Business Days of Our receipt, We will return the Purchase Payment in full, unless You specifically consent for Us to keep it until You provide the necessary information.

***Subsequent*** Purchase Payment*.*** We will credit subsequent Purchase Payments to a Contract on the same Business Day We receive it, if received in Good Order by Our Home Office prior to close of regular trading on the New York Stock Exchange (typically 4:00 p.m. Eastern Time). If We receive the Purchase Payment in Good Order after close of the New York Stock Exchange, We will credit the Purchase Payment to the Contract on the next Business Day. If Purchase Payments on Your behalf are not submitted to Us in a timely manner or in Good Order, there may be a delay in when amounts are credited.

We will provide You with the address of the office to which Purchase Payment are to be sent. If You send Purchase Payments or transaction requests to an address other than the one We have designated for receipt of such Purchase Payments or requests, they will not be in Good Order. We may return the Purchase Payment to You, or there may be a delay in applying the Purchase Payment or transaction to Your Contract.

------

***Making Withdrawals: Accessing the Money in Your Contract***

------

Accumulation Period

During the Accumulation Period, We will pay upon request all or any portion of Your Cash Surrender Value to the Contract Owner or to You, as provided in the Plan. A Contract Owner's account may be surrendered for cash without the consent of any Participant, as provided in the Plan.

To the extent that the amount withdrawn is subject to a surrender charge, the surrender charge will be assessed as a percentage of the amount surrendered. For Contracts in use with deferred compensation Plans, the tax deferred annuity plans and combined deferred compensation/tax-deferred annuity plans, there is currently a 10% free withdrawal allowance (based upon Contract Value as of the previous Contract anniversary) available each year after the first Contract Year. The available withdrawal amount will be calculated as of the first Business Day of any given Contract Year. There is no free withdrawal allowance in the first Contract Year.

Full surrenders from the Fixed Account due to a Contract discontinuation may also be subject to a Market Value Adjustment, in addition to applicable surrender charges.

There are limitations on Your ability to take withdrawals during the Accumulation Period. These limitations are as follows:

---

| | |
|:---|:---|
| **Withdrawal Charges, Adjustments, and Taxes** | &nbsp;&nbsp; There may be withdrawal charges and tax implications <br> when You take out money. Additionally, a Market Value <br> Adjustment may apply to full surrenders from the Fixed <br> Account due to a Contract discontinuation. A negative <br> Market Value Adjustment will reduce the amount you <br> receive upon surrender from the Fixed Account. <br>|
| &nbsp;&nbsp; **Negative impact on benefits and guarantees of Your** <br> **Contract**<br>| &nbsp;&nbsp; A withdrawal may have a negative impact on certain <br> benefits and guarantees that You may elect. It may <br> significantly reduce the value or even terminate the <br> benefit.<br>|
| **Internal Revenue Code or Retirement Plan** | &nbsp;&nbsp; Depending on the circumstances, the Internal Revenue <br> Code or Your retirement Plan may restrict Your ability to <br> take withdrawals.<br>|

---

**Annuity Period**

During the Annuity Period, You will receive Annuity Payments under the Annuity option You select; however, You generally may not take any withdrawals, either full or partial. If You elect the Annuity option "Payments for a Fixed Period of 120, 180 or 240 Months without Life Contingency," You may exercise the Variable Liquidity Benefit during the Annuity Period. This benefit allows You to take withdrawals during the Annuity Period based on the present value of Your remaining Annuity Payments. Such withdrawals may significantly reduce or eliminate remaining Annuity Payments and may be subject to withdrawal charges. Please see the "Annuity Period" section in the prospectus for more information.

We will calculate your Annuity Payments by applying your Contract Value to the type of Annuity you select, Fixed, Variable or a combination of both, and the Annuity option you select.

**Requesting a Withdrawal**

You can request to withdraw all or part of Your Cash Surrender Value at any time before the Maturity Date by submitting a written withdrawal request to Our Home Office. We will treat Your request as received by Us if We receive the request in Good Order before the close of regular trading on the New York Stock Exchange on that day. If We receive the request in Good Order after the close of trading on the New York Stock Exchange on that day, or if the New York Stock Exchange is not open that day, then the request will be treated as received on the next day when the New York Stock Exchange is open. The Cash Surrender Value may be more or less than the Purchase Payments You made. See "Access to Your Money" in the prospectus for more details.

------

Surrender and withdrawal payments will generally be mailed within seven days after We receive the request.

------

***Additional Information About Fees***

------

**The following tables describe the fees, expenses, and adjustments that You will pay when buying, owning, and surrendering, or making withdrawals from an investment option or from the Contract. Please refer to Your Contract specifications page for information about the specific fees You will pay each year based on the options You have selected.**

**The first table describes the fees and expenses that You will pay at the time that You buy the Contract, surrender the Contract, make withdrawals from an investment option or from the Contract, or transfer Contract Value between investment options. State premium taxes of 0% to 3.5% may also be deducted.**

**Transaction Expenses** 

---

| | |
|:---|:---|
| ***Surrender Charge:*** | 5%<sup>(1)</sup> <br>|
| *As a percentage of amount surrendered* |  |
| ***Account Reduction Loan Initiation Fee*** | $75.00<sup>(2)</sup> <br>|
| ***Account Reduction Loan Maintenance Fee*** | $50.00 |

---

(1) We may sometimes call this charge the Contingent Deferred Sales Charge. During the Annuity Period, if you elect the Variable Liquidity Benefit, there is a withdrawal charge when You make a surrender after beginning to receive Annuity Payments. This charge is not assessed during the Accumulation Period. (Please refer to "The Annuity Period – Variable Liquidity Benefit section for a description of this benefit.) The charge is as follows:

---

| | |
|:---|:---|
| **Contract Year** | **Surrender Charge** |
| 0-2 | 5% |
| 3-4 | 4% |
| 5-6 | 3% |
| 7-8 | 2% |
| 9+ | 0% |

---

(2) Loans will be charged an initial set-up fee of $75.00.

------

The next table describes the adjustments, in addition to any transaction expenses, that may apply if all or a portion of the Contract Value is withdrawn from the Fixed Account.

**Adjustments** 

---

| | |
|:---|:---|
| ***Market Value Adjustment Maximum Potential Loss*** <sup>(1)</sup> <br>| 100% |
| (as a percentage of the Contract Value withdrawn or surrendered from the Fixed Account |  |

---

(1) Only full surrenders from the Fixed Account due to Contract discontinuations will be subject to a Market Value Adjustment. See "Charges, Deductions, and Adjustments – Market Value Adjustment" for more information.

------

**The next table describes the fees and expenses that You will pay each year during the time that You own the Contract, not including Underlying Fund fees and expenses. Expenses shown may change over time and may be higher or lower in the future.**

**Annual Contract Expenses** 

---

| | |
|:---|:---|
| **Base Contract Charge**<sup>(1)</sup> <br>*(as a percentage of average net assets of the Separate Account)*<sup>(2)</sup> <br>| 1.30% |

---

(1) We call this the Funding Option "Administrative Charge" and "Mortality and Expense Risk Charge" in your Contract as well as in other places in the prospectus. See "Charges and Deductions" section of the prospectus under the sub-headings "Base Contract Charge - Administrative Expenses" and "Base Contract Charge - Mortality and Expense Risk Charge".

(2) We waive a portion of this charge in connection with investments in certain Subaccounts. See "Charges and Deductions" section of the prospectus under the sub-headings "Base Contract Charge - Mortality and Expense Risk Charge".

------

**The next table shows the minimum and maximum total operating expenses charged by the Underlying Funds that You may pay periodically during the time that You own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Underlying Funds available under the Contract, including their annual expenses, may be found in Appendix A.**

**Annual Underlying Fund Expenses** 

---

| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| Total Annual Underlying Fund Expenses |  |  |
| &nbsp;&nbsp;&nbsp; (expenses that are deducted from Underlying Fund assets, including management fees, <br> distribution and/or service (12b-1) fees, and other expenses)<br>| 0.27% | 1.37% |

---

**Example**

**These examples are intended to help You compare the cost of investing in the variable options (the Funding Options) under the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include Transaction Expenses, Annual Contract Expenses, and Annual Underlying Fund Expenses.** 

**The examples assume that all Contract Value is allocated to the variable options. The examples do not reflect the Market Value Adjustment. Your costs could differ from those shown below if You invest in the Fixed Account.**

**These examples assume that You invest $100,000 in the Contract for the time periods indicated and that Your investment has a 5% return each year. These examples also assume that You have allocated all of Your Contract Value to either the Underlying Fund with the Maximum Total Annual Underlying Fund Expenses or the Underlying Fund with the Minimum Total Annual Underlying Fund Expenses. Although Your actual costs may be higher or lower, based on these assumptions Your cost would be:** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **If Contract is surrendered at the** <br> **end of period shown:** | **If Contract is surrendered at the** <br> **end of period shown:** | **If Contract is surrendered at the** <br> **end of period shown:** | **If Contract is surrendered at the** <br> **end of period shown:** | **If Contract is NOT surrendered or** <br> **annuitized at the end of period shown:** | **If Contract is NOT surrendered or** <br> **annuitized at the end of period shown:** | **If Contract is NOT surrendered or** <br> **annuitized at the end of period shown:** | **If Contract is NOT surrendered or** <br> **annuitized at the end of period shown:** |
| **Funding Option** | **1 year** | **3 years** | **5 years** | **10 years** | **1 year** | **3 years** | **5 years** | **10 years** |
| &nbsp;&nbsp;&nbsp; Underlying Fund with Maximum Total Annual Operating <br> Expenses<br>| $7570 | $11500 | $16192 | $28704 | $2570 | $7900 | $13492 | $28704 |
| &nbsp;&nbsp;&nbsp; Underlying Fund with Minimum Total Annual Operating <br> Expenses<br>| $6470 | $8168 | $10589 | $17271 | $1470 | $4568 | $7889 | $17271 |

---

------

***Appendix A***

------

***Investment Options Available Under the Contract***

The following is a list of Underlying Funds under the Contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF79. You can also request this information at no cost by calling (833) 208-3018 or sending an email request to rcg@brighthousefinancial.com. Availability of Underlying Funds may vary by employer or Plan Administrator. You should reference Your Plan documents or speak with Your employer or Plan Administrator for the Underlying Funds available to You.

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; American Funds Global Growth Fund — <br> Class 2#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.65% | 21.62% | 8.23% | 12.17% |
| Seeks growth of capital. | &nbsp;&nbsp; American Funds Growth Fund — 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>| &nbsp;&nbsp; American Funds Growth-Income Fund <br> — Class 2<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Seeks growth of capital. | &nbsp;&nbsp; American Funds® Aggressive Allocation <br> Portfolio — Class C‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.99% | 19.90% | 9.30% | 10.88% |
| Seeks a balance between a <br> high level of current <br> income and growth of <br> capital, with a greater <br> emphasis on growth of <br> capital.<br>| &nbsp;&nbsp; American Funds® Balanced Allocation <br> Portfolio — Class C‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.96% | 17.02% | 7.26% | 8.99% |
| Seeks a high total return in <br> the form of income and <br> growth of capital, with a <br> greater emphasis on <br> income.<br>| &nbsp;&nbsp; American Funds® Moderate Allocation <br> Portfolio — Class C‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.95% | 14.46% | 5.71% | 7.30% |
| Seeks to maximize total <br> return, consistent with <br> income generation and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; BlackRock High Yield Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Financial* <br> *Management, Inc.*<br>| 0.63% | 9.15% | 4.94% | 6.62% |
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset Allocation 100 <br> Portfolio — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.96% | 17.06% | 8.63% | 10.70% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Brighthouse Small Cap Value Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Allspring Global* <br> *Investments, LLC*<br>| 1.03% | -3.21% | 6.43% | 8.07% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Brighthouse/Wellington Large Cap <br> Research Portfolio — Class E#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.69% | 15.74% | 12.14% | 13.45% |
| Seeks total return through <br> investment in real estate <br> securities, emphasizing <br> both capital appreciation <br> and current income.<br>| &nbsp;&nbsp; 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>| &nbsp;&nbsp; Harris Oakmark International Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Harris Associates L.P.*<br>| 0.72% | 33.17% | 6.72% | 7.01% |
| Seeks capital growth and <br> income.<br>| &nbsp;&nbsp; Invesco Comstock Portfolio — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.81% | 17.31% | 15.15% | 11.83% |
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco Global Equity Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.83% | 15.60% | 7.30% | 11.00% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; 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 capital <br> growth.<br>| &nbsp;&nbsp; JPMorgan Small Cap Value Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: J.P. Morgan Investment* <br> *Management Inc.*<br>| 0.79% | 12.48% | 9.93% | 9.09% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Loomis Sayles Growth Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Loomis, Sayles & Company,* <br> *L.P.*<br>| 0.80% | 14.90% | 14.77% | 13.91% |
| Seeks a balance between <br> growth of capital and <br> current income, with a <br> greater emphasis on growth <br> of capital.<br>| &nbsp;&nbsp; MetLife Multi-Index Targeted Risk <br> Portfolio — Class B\*<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Overlay Portion: MetLife* <br> *Investment Management, LLC*<br>| 0.62% | 9.08% | 2.93% | 5.31% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS® Research International Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.81% | 22.41% | 5.54% | 7.57% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks maximum real return, <br> consistent with preservation <br> of capital and prudent <br> investment management.<br>| &nbsp;&nbsp; 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>| &nbsp;&nbsp; PIMCO Total Return Portfolio — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.83% | 8.90% | -0.07% | 2.30% |
| Seeks capital appreciation <br> and current income.<br>| &nbsp;&nbsp; Schroders Global Multi-Asset Portfolio — <br> Class B#\*<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Schroder Investment* <br> *Management North America Inc.*<br>| 0.96% | 9.85% | 4.28% | 5.28% |
| Seeks to provide total <br> return, primarily through <br> capital appreciation.<br>| &nbsp;&nbsp; State Street Emerging Markets Enhanced <br> Index Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: SSGA Funds Management,* <br> *Inc*<br>| 0.55% | 34.45% | 6.31% |  |
| Seeks long-term capital <br> appreciation by investing in <br> common stocks believed to <br> be undervalued. Income is <br> a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value Portfolio <br> — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.78% | 12.05% | 10.28% | 10.09% |
| Seeks high total return by <br> investing in equity <br> securities of mid-sized <br> companies.<br>| &nbsp;&nbsp; Victory Sycamore Mid Cap Value <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Victory Capital Management* <br> *Inc.*<br>| 0.85% | 2.29% | 9.62% | 9.58% |
| Seeks a competitive total <br> return primarily from <br> investing in fixed-income <br> securities.<br>| &nbsp;&nbsp; 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>| &nbsp;&nbsp; BlackRock Capital Appreciation Portfolio <br> — 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 current <br> income consistent with <br> prudent investment risk and <br> preservation of capital.<br>| &nbsp;&nbsp; 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 current <br> income, with growth of <br> capital as a secondary <br> objective.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio <br> — Class B#‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.93% | 9.25% | 2.06% | 3.97% |
| Seeks high total return in <br> the form of income and <br> growth of capital, with a <br> greater emphasis on <br> income.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.91% | 11.50% | 3.84% | 5.69% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks a balance between a <br> high level of current <br> income and growth of <br> capital, with a greater <br> emphasis on growth of <br> capital.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.91% | 13.77% | 5.55% | 7.47% |
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.93% | 15.63% | 7.18% | 9.22% |
| Seeks long-term capital <br> appreciation with some <br> current income.<br>| &nbsp;&nbsp; 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>| &nbsp;&nbsp; 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>| &nbsp;&nbsp; Frontier Mid Cap Growth Portfolio — <br> Class D#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Frontier Capital Management* <br> *Company, LLC*<br>| 0.79% | 5.08% | 3.68% | 10.04% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; 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 to track the <br> performance of the <br> Bloomberg U.S. Aggregate <br> Bond Index.<br>| &nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio <br> — 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® Composite Stock <br> Price Index.<br>| &nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio — <br> Class G<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.60% | 6.82% | 8.48% | 10.10% |
| Seeks to track the <br> performance of the MSCI <br> EAFE® Index.<br>| &nbsp;&nbsp; MetLife MSCI EAFE® 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® Index.<br>| &nbsp;&nbsp; MetLife Russell 2000® Index Portfolio — <br> Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.30% | 12.66% | 5.99% | 9.55% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks to track the <br> performance of the <br> Standard & Poor's 500® <br> Composite Stock Price <br> Index.<br>| &nbsp;&nbsp; MetLife Stock Index Portfolio — 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>| &nbsp;&nbsp; MFS® Total Return Portfolio — Class F#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.82% | 10.89% | 6.20% | 7.44% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS® 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>| &nbsp;&nbsp; Neuberger Berman Genesis Portfolio — <br> 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>| &nbsp;&nbsp; T. Rowe Price Large Cap Growth <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.81% | 15.45% | 9.37% | 14.10% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; T. Rowe Price Small Cap Growth <br> Portfolio — Class B<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.76% | 10.00% | 5.48% | 10.60% |
| Seeks to maximize total <br> return consistent with <br> preservation of capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Western Asset Management* <br> *Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| Seeks to maximize total <br> return consistent with <br> preservation of capital and <br> maintenance of liquidity.<br>| &nbsp;&nbsp; Western Asset Management <br> U.S. Government Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Western Asset Management* <br> *Company LLC*<br>| 0.50% | 7.07% | 0.59% | 1.82% |
| Seeks capital appreciation. | &nbsp;&nbsp; Nomura VIP Small Cap Value Series — <br> Standard Class<br> *Delaware Management Company, a* <br> *series of Nomura Investment* <br>*Management Business Trust*<br> *Subadvisers: Macquarie Funds* <br> *Management HK Ltd.; Macquarie* <br> *Investment Management Global Limited*<br>| 0.74% | 8.16% | 9.26% | 9.15% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Contrafund® Portfolio — Service Class 2<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.79% | 21.24% | 15.08% | 15.49% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2020 Portfolio — Service <br> Class 2<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.69% | 12.99% | 4.57% | 7.11% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2025 Portfolio — Service <br> Class 2<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.71% | 14.23% | 5.25% | 7.75% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2030 Portfolio — Service <br> Class 2<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.74% | 15.16% | 5.98% | 8.61% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2040 Portfolio — Service <br> Class 2<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.82% | 18.44% | 8.73% | 10.59% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2050 Portfolio — Service <br> Class 2<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.85% | 19.50% | 9.15% | 10.81% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Mid Cap Portfolio — Service Class 2<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Templeton Emerging Markets VIP Fund <br> — Class 2^^<br> *Templeton Asset Management Ltd.*<br> *Subadviser: Franklin Templeton* <br> *Investment Management Limited*<br>| 1.37% | 46.27% | 5.46% | 10.40% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; Templeton Foreign VIP Fund — Class 2#<br> *Templeton Investment Counsel, LLC*<br>| 1.08% | 29.19% | 8.25% | 5.75% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Janus Henderson Enterprise Portfolio — <br> Service Shares<br> *Janus Henderson Investors US LLC*<br>| 0.97% | 7.41% | 7.35% | 12.51% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; ClearBridge Variable Small Cap Growth <br> Portfolio — Class I<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.81% | 9.23% | -0.17% | 9.38% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks to maximize total <br> return, consistent with <br> prudent investment <br> management and liquidity <br> needs, by investing to <br> obtain a dollar weighted <br> average effective duration <br> that is normally within 30% <br> of the average duration of <br> the domestic bond market <br> as a whole.<br>| &nbsp;&nbsp; Western Asset Core Plus VIT Portfolio — <br> Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadvisers: Western Asset Management* <br> *Company, LLC; Western Asset* <br> *Management Company Limited; Western* <br> *Asset Management Company Ltd;* <br> *Western Asset Management Company* <br> *Pte. Ltd.*<br>| 0.54% | 7.75% | -1.44% | 2.11% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; LVIP ClearBridge Appreciation Fund — <br> Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.70% | 14.50% | 12.72% | 13.34% |
| Seeks dividend income, <br> growth of dividend income <br> and long-term capital <br> appreciation.<br>| &nbsp;&nbsp; LVIP ClearBridge Dividend Strategy Fund <br> — Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.75% | 12.62% | 11.86% | 12.46% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; LVIP ClearBridge Large Cap Growth <br> Fund — Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.74% | 8.62% | 10.57% | 14.46% |

---

#

Certain Underlying 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 Underlying Funds' prospectuses for additional information regarding these arrangements.

\*

This Underlying Fund is managed in a way that is intended to minimize volatility of returns (referred to as a "managed volatility strategy"). See "Principal Risks of Investing in the Contract."

‡

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

^^

Until May 1, 2026, the name of this Underlying Fund is Templeton Developing Markets VIP Fund.

The following lists the Fixed Account option currently available under the Contract. The Fixed Account listed below will also be used if You participate in the DCA or Special DCA programs and instruct Us to make transfers to or from the Fixed Account. We may change the features of the Fixed Account listed below, offer new Fixed Account investment options, and terminate existing Fixed Account investment options. We will provide You with written notice before doing so. Availability of the Fixed Account may vary by employer or Plan Administrator. You should reference Your Plan documents or speak with Your employer or Plan Administrator for the investment options available to You.

**Note: Full surrenders from the Fixed Account due to Contract discontinuations will be subject to a Market Value Adjustment. This may result in a significant reduction in Your Fixed Account Contract Value. See "Charges, Deductions, and Adjustments – Market Value Adjustment" for more information.** 

---

| | | |
|:---|:---|:---|
| **Name** | **Term (Guarantee Period)** | **Guaranteed Minimum Interest Rate** |
| Fixed Account | 12 months | 1% |

---

------

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

**THIS PAGE INTENTIONALLY LEFT BLANK.**

------

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

**THIS PAGE INTENTIONALLY LEFT BLANK.**

------

![](g42280bhouse_logo.jpg)

The prospectus and statement of additional information (SAI) include additional information. [The prospectus and SAI](https://www.sec.gov/ix?doc=/Archives/edgar/data/2041679/000119312526145835/d24910d485bpos.htm)[are dated the same as this summary prospectus and are incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/2041679/000119312526145835/d24910d485bpos.htm) The prospectus and SAI are available, without charge, upon request. For a free copy, call us at (833) 208-3018 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/BHF79.

Reports and other information about the Separate Account are available on the SEC's website at http://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 <br>Brighthouse Separate Account Eleven for Variable Annuities C000068750 <br> Brighthouse Life Insurance Company (RILA MVA) C000266105

------