# EDGAR Filing Document

**Accession Number:** 0000858997
**File Stem:** 0001193125-26-175553
**Filing Date:** 2026-4
**Character Count:** 42964
**Document Hash:** 41dc89eccb616d79a8d3b4dc1a4bfaea
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-175553.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-175553

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Metropolitan Life Separate Account UL
- **CENTRAL INDEX KEY:** 0000858997

**ORGANIZATION NAME:**
- **EIN:** 135581829
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-57320
- **FILM NUMBER:** 26890789

**BUSINESS ADDRESS:**
- **STREET 1:** METROPOLITAN LIFE INSURANCE COMPANY
- **STREET 2:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 212-578-9500

**MAIL ADDRESS:**
- **STREET 1:** METROPOLITAN LIFE INSURANCE COMPANY
- **STREET 2:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** METROPOLITAN LIFE SEPARATE ACCOUNT UL
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### Metropolitan Life Separate Account UL (Series ID: S000004219)

| Class ID   | Class Name                                                | Ticker Symbol   |
|:---|:---|:---|
| C000011872 | MetFlex Flexible Premium Variable Life Insurance Policy   |  |
| C000028813 | MetFlex C Flexible Premium Variable Life Insurance Policy |  |

April 27, 2026

**Updating Summary Prospectus For Investors In** <br>**MetFlex Flexible Premium Variable Life Insurance Policy and** <br>**MetFlex C Flexible Premium Variable Life Insurance Policy** 

**Issued by Separate Account UL Of Metropolitan Life Insurance Company**

This Updating Summary Prospectus summarizes key features of MetFlex and MetFlex C Policies (the "Policy" or "Policies"), issued by Metropolitan Life Insurance Company ("Metropolitan Life", "MetLife", "we", "our", "us" or "the Company").

The Prospectus for the Policies contains more information about the Policies, including features, benefits, and risks. You can find the current Prospectus and other information about the Policies online at dfinview.com/metlife/PUFT/MET000229. You can also obtain this information at no cost by calling (877) 638-3932 or by contacting us at sbrservice@metlife.com.

Additional information about certain investment products, including variable life insurance contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**Neither the Securities and Exchange Commission ("SEC") nor any state securities authority has approved or disapproved of these securities, nor have they determined if this Prospectus is accurate or complete. Any representation otherwise is a criminal offense. This Prospectus does not constitute an offering in any jurisdiction where such offering may not lawfully be made. Interests in the Separate Account, the Fixed Account and the Portfolios are not deposits, obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency, entity or person. MetLife's obligations under the Policy are subject to its financial strength and claims-paying ability.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR POLICY](#xx_ddbb269c-5235-4011-ab4c-7cf64d62e341_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY](#xx_ddbb269c-5235-4011-ab4c-7cf64d62e341_1) | 3  |
| [GLOSSARY](#xx_aa26c0d1-08bc-4094-b190-7b14db6a8a94_1) | 6  |
| [APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY](#xx_c3c698da-a2fc-44e5-9ece-cd468f10e2f1_1) | A-1 |

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**UPDATED INFORMATION ABOUT YOUR POLICY**

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

● For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.

● For updated Portfolio expense information please refer to "Important Information You Should Consider About the Policy" and Appendix A.

● For updated Portfolio performance information please refer to Appendix A.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY** 

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Charges for Early** <br> **Withdrawal**<br>|  |  |  | —  |
| **Transaction Charges** | &nbsp;&nbsp; You may be charged for certain transactions, such as sales charges, <br> underwriting charges or other charges related to increases in <br> specified face amount, charges to pay for certain taxes when you <br> make a Premium payment or transfer Cash Value between <br> investment options. | &nbsp;&nbsp; You may be charged for certain transactions, such as sales charges, <br> underwriting charges or other charges related to increases in <br> specified face amount, charges to pay for certain taxes when you <br> make a Premium payment or transfer Cash Value between <br> investment options. | &nbsp;&nbsp; You may be charged for certain transactions, such as sales charges, <br> underwriting charges or other charges related to increases in <br> specified face amount, charges to pay for certain taxes when you <br> make a Premium payment or transfer Cash Value between <br> investment options. | &nbsp;&nbsp; Charges and <br> Deductions — Sales <br> Charge; Administrative <br> Charge; Charge for <br> Average Expected State <br> and Local Taxes <br> Attributable to <br> Premiums; Charge for <br> Expected Federal Taxes <br> Attributable to <br> Premiums; and Other <br> Charges<br>|
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; In addition to charges described above, an investment in the Policy <br> is subject to certain ongoing fees and expenses, including a mortality <br> and expense risk charge, a monthly deduction covering the cost of <br> insurance under the Policy and charges for optional benefits added <br> by rider. Such fees and expenses are set based on characteristics of <br> the Insured (e.g., the Insured's sex (if permitted by law and <br> applicable under your Policy), Age, underwriting class and rate <br> class. Please refer to the specifications page of your Policy for <br> applicable rates.<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; In addition to charges described above, an investment in the Policy <br> is subject to certain ongoing fees and expenses, including a mortality <br> and expense risk charge, a monthly deduction covering the cost of <br> insurance under the Policy and charges for optional benefits added <br> by rider. Such fees and expenses are set based on characteristics of <br> the Insured (e.g., the Insured's sex (if permitted by law and <br> applicable under your Policy), Age, underwriting class and rate <br> class. Please refer to the specifications page of your Policy for <br> applicable rates.<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; In addition to charges described above, an investment in the Policy <br> is subject to certain ongoing fees and expenses, including a mortality <br> and expense risk charge, a monthly deduction covering the cost of <br> insurance under the Policy and charges for optional benefits added <br> by rider. Such fees and expenses are set based on characteristics of <br> the Insured (e.g., the Insured's sex (if permitted by law and <br> applicable under your Policy), Age, underwriting class and rate <br> class. Please refer to the specifications page of your Policy for <br> applicable rates.<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; Charges and <br> Deductions– Charges <br> Included in the Monthly <br> Deduction<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and <br> Deductions – Charges <br> Included in the Monthly <br> Deduction<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and Deductions <br> –Portfolio Company <br> Charges |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **ANNUAL FEE** | **MIN.** | **MAX.** | &nbsp;&nbsp; Charges and <br> Deductions– Charges <br> Included in the Monthly <br> Deduction<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and <br> Deductions – Charges <br> Included in the Monthly <br> Deduction<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and Deductions <br> –Portfolio Company <br> Charges |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Investment options (Portfolio fees <br> and expenses)<br>| 0.25% | 3.38% | &nbsp;&nbsp; Charges and <br> Deductions– Charges <br> Included in the Monthly <br> Deduction<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and <br> Deductions – Charges <br> Included in the Monthly <br> Deduction<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and Deductions <br> –Portfolio Company <br> Charges |
|  | **RISKS** | **RISKS** | **RISKS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Risk of Loss** | &nbsp;&nbsp; You can lose money by investing in this Policy, including loss of <br> principal. | &nbsp;&nbsp; You can lose money by investing in this Policy, including loss of <br> principal. | &nbsp;&nbsp; You can lose money by investing in this Policy, including loss of <br> principal. | Principal Risks |

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|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; The Policy is designed to provide lifetime insurance protection. It <br> should not be used as a short-term investment or if you need ready <br> access to cash because you will be charged when you make Premium <br> payments. In addition, withdrawals may be subject to ordinary <br> income tax and tax penalties. | Principal Risks |
| **Risks Associated with** <br> **Investment Options** <br>| &nbsp;&nbsp; An investment in this Policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> Portfolios available under the Policy. Each investment option <br> (including any Fixed Account investment option) has its own unique <br> risks. You should review the investment options before making an <br> investment decision. | Principal Risks |
| **Insurance Company** <br> **Risks**<br>| &nbsp;&nbsp; An investment in this Policy is subject to the risks related to <br> Metropolitan Life, including any obligations (including under any <br> Fixed Account investment option), guarantees, and benefits of the <br> Policy, including any death benefit, that are subject to the claims <br> paying ability of Metropolitan Life. If Metropolitan Life experiences <br> financial distress, it may not be able to meet its obligations to you. <br> More information about Metropolitan Life, including its financial <br> strength ratings, is available upon request by calling (877) 638-3932 <br> or by visiting https://www.metlife.com/about-us/corporate-profile/<br> ratings. | Principal Risks |
| **Contract Lapse** | &nbsp;&nbsp; Your Policy may lapse if you have paid an insufficient amount of <br> Premiums or if the investment experience of the Portfolios is poor, <br> you have taken partial withdrawals, and the Cash Surrender Value <br> under your Policy is insufficient to cover the monthly deduction. <br> Lapse of a Policy on which there is an outstanding loan may have <br> adverse tax consequences. If the Policy lapses, no death benefit will <br> be paid. A Policy may be reinstated if the conditions for <br> reinstatement are met including the payment of required Premiums. | Principal Risks |
|  | **RESTRICTIONS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Investments** | &nbsp;&nbsp; Policy owners may transfer Cash Value between and among the <br> Divisions and the Fixed Account. The minimum amount you may <br> transfer is $50 or, if less, the total amount in an investment option. <br> You may make transfers at any time. The maximum amount that you <br> may transfer or withdraw from the Fixed Account in any Policy year <br> is the greater of $50 and 25% of the largest amount in the Fixed <br> Account over the last four Policy years.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> At the present time, no charge is assessed against the Cash Value of <br> a Policy when amounts are transferred among the Divisions of the <br> Separate Account and between the Divisions and the Fixed Account. <br> Metropolitan Life reserves to impose a charge of $25 per transfer. <br> Restrictions may apply to frequent transfers.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Metropolitan Life reserves the right to remove or substitute <br> Portfolios that are available under the Policy. | &nbsp;&nbsp; Cash Value, Transfers <br> and Withdrawals – <br> Cash Value Transfers<br>|
| **Optional Benefits** | &nbsp;&nbsp; Restrictions or limitations may apply to certain optional benefits. <br> For example, benefits may be (i) no longer available, (ii) available <br> only when you apply for a Policy, (iii) unavailable in certain <br> combinations, or (iv) available only if your employer makes it <br> available. You should check with your employer regarding the <br> availability of riders. | Optional Benefits |

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| | | |
|:---|:---|:---|
|  | **TAXES** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Tax Implications** | &nbsp;&nbsp; Consult with a tax professional to determine the tax implications of <br> an investment in and payments received under this Policy.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Withdrawals may be subject to ordinary income tax, and may be <br> subject to tax penalties.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Lapse of a Policy on which there is an outstanding loan may have <br> adverse tax consequences. | Federal Tax Matters |
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; Your investment professional may receive compensation relating to <br> your ownership of the Policy, both in the form of commissions and <br> continuing payments. These investment professionals may have a <br> financial incentive to offer or recommend the Policy over another <br> investment. | Sales of the Policy |
| **Exchanges** | &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer you a new policy in place of your current Policy. You should only <br> exchange your Policy if you determine, after comparing the features, <br> fees, and risks of both policies, that it is better for you to purchase <br> the new policy rather than continue to own your existing Policy. | Sales of The Policy |

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**GLOSSARY**

**Age** — The age of an Insured refers to the Insured's age at his or her nearest birthday.

**Attained Age** — The Insured's Issue Age plus the number of completed Policy years.

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

**Beneficiary** — The beneficiary is the person or persons designated by the Policy owner to receive insurance proceeds upon the death of the Insured. A beneficiary may be changed as set forth in the Policy and this Prospectus. Unless otherwise stated in the Policy, the beneficiary has no rights in the Policy before the death of the Insured. If there is more than one beneficiary at the death of the Insured, each will receive equal payments unless otherwise provided by the Policy owner.

**Cash Surrender Value** — The amount You receive if You surrender the Policy. It is equal to the Policy's Cash Value reduced by any outstanding Policy loan and accrued and unpaid interest.

**Cash Value** — A Policy's cash value includes the amount of its cash value held in the Separate Account, the amount held in the Fixed Account, and if there is an outstanding Policy loan, the amount of its cash value held in the Loan Account.

**Date of Policy** — The date on which coverage under the Policy and monthly deductions begin. If you make a Premium payment with the application, unless you request otherwise, the date of policy is generally the date the Policy application is approved. If you choose to pay the initial Premium upon delivery of the Policy, unless you request otherwise, the date of policy is generally the date on which we receive your initial payment. The date of policy is used to measure Policy years, Policy months, and Policy anniversaries.

**Designated Office** — Our Designated Office varies based on the type of service request or transaction that you are making. For the most recent Designated Office address, please call (877) 638-3932 or contact us at SBRservice@metlife.com.

**Division** — A sub-account of the Separate Account that invests in shares of an open-ended management investment company or other pools of investment assets.

**Fixed Account** — The fixed account is a part of our General Account to which you may allocate Net Premiums. It provides guarantees of principal and interest. Aspects of the fixed account are briefly summarized in order to give a better understanding of how the Policy functions.

**Fund** — An underlying mutual fund in which the Separate Account assets are invested.

**General Account** — The assets of Metropolitan Life other than those allocated to the Separate Account.

**Indebtedness** — The total of any unpaid Policy loan and loan interest.

**Insured** — The person upon whose life the Policy is issued.

**Investment Start Date** — The later of the policy date and the date we first receive a Premium payment for the Policy.

**Issue Age** — The Age of the Insured as of his or her birthday nearest to the policy date.

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**Loan Account** — The account to which Cash Value from the Separate and/or Fixed Accounts is transferred when a Policy loan is taken.

**Monthly Anniversary** — The same date in each month as the policy date. For purposes of the Separate Account, whenever the monthly anniversary date falls on a date other than a valuation date, the next valuation date will be deemed to be the monthly anniversary.

**Net Premium** — The net premium is equal to the Premium payment minus the sales charge, state tax charge and federal tax charge, administrative charges and any rider charges.

**Planned Premium** — The planned premium is the Premium payment schedule you choose to help meet your future goals under the Policy. The planned premium consists of a first-year Premium amount and an amount for Premium payments in subsequent Policy years. It is subject to certain limits under the Policy.

**Portfolio** — A portfolio represents a class (or series) of a Fund in which a Division's assets are invested.

**Premiums** — Premiums include all payments under the Policy, whether a Planned Premium or an unscheduled payment.

**Separate Account** — Metropolitan Life Separate Account UL, a separate account established by MetLife to receive and invest Premiums paid under the Policies and certain other variable life insurance policies, and to provide variable benefits.

**Target Premium** — We use the target premium to determine the amount of Mortality and Expense Risk Charge imposed on the Separate Account and the amount of sales charge imposed on Premium payments. The target premium varies by Issue Age, sex (except for unisex Policies), smoking status and any flat extras and substandard rating of the Insured, and the Policy's base face amount, with additional amounts for most riders.

**You** — "You" refers to the Policy owner.

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**APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY**

The following is a list of the Portfolios currently available. Not all Divisions may be available under your Policy. You should check with your Employer as to which Divisions are available under your Policy. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000229. You can also request this information at no cost by calling (877) 638-3932 or by contacting us at sbrservice@metlife.com.

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

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Global Equity | &nbsp;&nbsp;&nbsp; AB VPS Sustainable Global Thematic Portfolio\* - <br> Class B<br> AllianceBernstein L.P.<br>| 1.20% | 6.02% | 3.02% | 9.80% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds American High-Income Trust\* - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.62% | 8.24% | 5.60% | 6.96% |
| International Equity | &nbsp;&nbsp;&nbsp; American Funds EUPAC Fund<sup>TM\*#</sup>- Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.72% | 26.77% | 3.40% | 7.00% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.58% | 20.24% | 13.37% | 17.97% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; American Funds U.S. Government Securities Fund\* <br> - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.50% | 7.75% | -0.23% | 1.70% |
| Allocation | &nbsp;&nbsp;&nbsp; Asset Manager 70% Portfolio\* - Service Class<br> Fidelity Management & Research Company LLC<br>| 0.72% | 18.15% | 7.53% | 8.76% |
| International Equity | &nbsp;&nbsp;&nbsp; Baillie Gifford International Stock Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Baillie Gifford Overseas Limited<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Bond Income Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| US Equity | &nbsp;&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% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Ultra-Short Term Bond Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 100 Portfolio - <br> Class B<br> Brighthouse Investment Advisers, LLC<br>| 0.96% | 17.06% | 8.63% | 10.70% |

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br>| 0.93% | 9.25% | 2.06% | 3.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio - Class B<br> Brighthouse Investment Advisers, LLC<br>| 0.91% | 11.50% | 3.84% | 5.69% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio - Class B<br> Brighthouse Investment Advisers, LLC<br>| 0.91% | 13.77% | 5.55% | 7.47% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse Small Cap Value Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Allspring Global Investments, LLC<br>| 1.03% | -3.21% | 6.43% | 8.07% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap Value Portfolio\* - <br> Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Artisan Partners Limited <br> Partnership<br>| 1.03% | 1.57% | 6.77% | 8.05% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Balanced Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core Equity Opportunities <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large Cap Research <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: CBRE Investment Management <br> Listed Real Assets LLC<br>| 0.66% | 7.11% | 4.30% | 4.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Contrafund<sup>®</sup> Portfolio - Service Class<br> Fidelity Management & Research Company LLC<br>| 0.64% | 21.42% | 15.26% | 15.66% |
| International Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Emerging Markets Debt Portfolio\* - Class I<br> Morgan Stanley Investment Management Inc.<br> Subadviser: Morgan Stanley Investment <br> Management Limited<br>| 1.10% | 15.33% | 2.70% | 4.51% |
| International Equity | &nbsp;&nbsp;&nbsp; Emerging Markets Equity Portfolio\* - Class I<br> Morgan Stanley Investment Management Inc.<br> Subadviser: Morgan Stanley Investment <br> Management Company<br>| 1.25% | 32.96% | 4.37% | 7.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Equity-Income Portfolio - Service Class<br> Fidelity Management & Research Company LLC<br>| 0.56% | 18.92% | 12.41% | 11.49% |
| Global Equity | &nbsp;&nbsp;&nbsp; Franklin Mutual Global Discovery VIP Fund - Class <br> 2<br> Franklin Mutual Advisers, LLC<br>| 1.16% | 23.34% | 12.00% | 8.52% |

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2020 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.44% | 13.33% | 4.84% | 7.38% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2025 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.46% | 14.59% | 5.52% | 8.02% |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Frontier Capital Management <br> Company, LLC<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| US Equity | &nbsp;&nbsp;&nbsp; Goldman Sachs Small Cap Equity Insights Fund\* - <br> Institutional Shares<br> Goldman Sachs Asset Management, L.P.<br>| 0.82% | 16.14% | 10.47% | 10.84% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Government Money Market Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.25% | 4.13% | 3.10% | 2.03% |
| International Equity | &nbsp;&nbsp;&nbsp; Harris Oakmark International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Harris Associates L.P.<br>| 0.72% | 33.17% | 6.72% | 7.01% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; High Income Portfolio\* - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.81% | 10.36% | 4.22% | 5.59% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.99% | 5.83% | -0.91% | 9.00% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco V.I. Comstock Fund - Series II<br> Invesco Advisers, Inc.<br>| 1.00% | 17.14% | 15.14% | 11.67% |
| International Equity | &nbsp;&nbsp;&nbsp; Invesco V.I. EQV International Equity Fund - Series <br> I<br> Invesco Advisers, Inc.<br>| 0.90% | 16.50% | 3.68% | 6.22% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Investment Grade Bond Portfolio - Service Class<br> Fidelity Management & Research Company LLC<br>| 0.47% | 7.14% | -0.06% | 2.61% |
| Allocation | &nbsp;&nbsp;&nbsp; Janus Henderson Balanced Portfolio - Service <br> Shares<br> Janus Henderson Investors US LLC<br>| 0.87% | 14.82% | 8.21% | 9.86% |
| US Equity | &nbsp;&nbsp;&nbsp; Janus Henderson Enterprise Portfolio - Service <br> Shares<br> Janus Henderson Investors US LLC<br>| 0.97% | 7.41% | 7.35% | 12.51% |
| US Equity | &nbsp;&nbsp;&nbsp; Janus Henderson Forty Portfolio - Service Shares<br> Janus Henderson Investors US LLC<br>| 0.87% | 17.86% | 11.37% | 15.96% |
| US Equity | &nbsp;&nbsp;&nbsp; Janus Henderson Research Portfolio - Institutional <br> Shares<br> Janus Henderson Investors US LLC<br>| 0.82% | 18.39% | 14.11% | 15.88% |
| US Equity | &nbsp;&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% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; JPMorgan Small Cap Value Portfolio\* - 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% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.90% | 5.29% | 7.44% | 9.43% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| International Equity | &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| Global Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Global Equity Series\* - Service Class<br> Massachusetts Financial Services Company<br>| 1.18% | 13.28% | 5.45% | 8.64% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> High Yield Portfolio\* - Service Class<br> Massachusetts Financial Services Company<br>| 0.97% | 8.47% | 3.63% | 5.30% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> New Discovery Series\* - Service Class<br> Massachusetts Financial Services Company<br>| 1.12% | 12.56% | -0.54% | 10.46% |
| International Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.81% | 22.41% | 5.54% | 7.57% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.87% | 10.83% | 6.15% | 7.38% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.58% | 13.29% | 10.11% | 10.27% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Mid Cap Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Morgan Stanley Investment <br> Management Inc.<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Neuberger Berman Investment <br> Advisers LLC<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Alternative | &nbsp;&nbsp;&nbsp; PIMCO All Asset Portfolio\* - Administrative Class<br> Pacific Investment Management Company LLC<br> Subadviser: Research Affiliates, LLC<br>| 2.13% | 14.20% | 5.60% | 6.77% |
| Sector | &nbsp;&nbsp;&nbsp; PIMCO CommodityRealReturn<sup>®</sup> Strategy Portfolio\* <br> - Administrative Class<br> Pacific Investment Management Company LLC<br>| 3.19% | 18.79% | 10.55% | 6.54% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Inflation Protected Bond Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 1.13% | 7.93% | 1.40% | 3.35% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Long-Term U.S. Government Portfolio - <br> Administrative Class<br> Pacific Investment Management Company LLC<br>| 2.48% | 6.15% | -6.82% | 0.01% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Low Duration Portfolio - Administrative <br> Class<br> Pacific Investment Management Company LLC<br>| 0.66% | 5.52% | 1.57% | 1.79% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| International Equity | &nbsp;&nbsp;&nbsp; Putnam VT International Value Fund - Class IB<br> Putnam Investment Management, LLC<br> Subadviser: Franklin Advisers, Inc.<br> Franklin Templeton Investment Management <br> Limited<br> The Putnam Advisory Company, LLC<br>| 1.06% | 34.68% | 12.49% | 8.86% |
| US Equity | &nbsp;&nbsp;&nbsp; Royce Micro-Cap Portfolio - Investment Class<br> Royce Investment Partners<br>| 1.22% | 13.89% | 9.17% | 10.14% |
| US Equity | &nbsp;&nbsp;&nbsp; Royce Small-Cap Portfolio - Investment Class<br> Royce Investment Partners<br>| 1.18% | 8.93% | 10.66% | 7.88% |
| International Equity | &nbsp;&nbsp;&nbsp; State Street Emerging Markets Enhanced Index <br> Portfolio - Class B (formerly known as SSGA <br> Emerging Markets Enhanced Index Portfolio<sup>##</sup> - <br> Class B)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.80% | 34.14% | 6.04% | —  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &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)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap Value Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.53% | 12.32% | 10.55% | 10.36% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth Portfolio\*§<sup>(1)</sup> - <br> Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment Management, Inc. is <br> the sub-subadviser<br>| 0.95% | 3.42% | 3.83% | 9.77% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap Growth Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| International Equity | &nbsp;&nbsp;&nbsp; Templeton Foreign VIP Fund\* - Class 1<br> Templeton Investment Counsel, LLC<br>| 0.83% | 29.51% | 8.52% | 6.01% |
| Global Fixed Income | &nbsp;&nbsp;&nbsp; Templeton Global Bond VIP Fund\* - Class 1<br> Franklin Advisers, Inc.<br>| 0.50% | 16.09% | -0.69% | 0.11% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Pioneer Mid Cap Value VCT Portfolio\* - <br> Class I<br> Victory Capital Management Inc.<br>| 0.76% | 11.19% | 11.16% | 9.01% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Victory Capital Management, Inc.<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management Strategic Bond <br> 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% |

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\*

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

##

Effective April 28, 2025, the SSGA Emerging Markets Enhanced Index Portfolio II (formerly Brighthouse/abrdn Emerging Markets Equity Portfolio) of the Brighthouse Funds Trust I merged with and into the SSGA Emerging Markets Enhanced Index Portfolio of Brighthouse Funds Trust I. Values prior to April 28, 2025 reflect the performance of the SSGA Emerging Markets Enhanced Index Portfolio II.

<sup>(1)</sup>

Effective April 29, 2011, the Portfolio closed to new investments and transfers into the Portfolio.

#

Effective May 15, 2026, the American Funds International Fund changed its name to American Funds EUPAC Fund.<sup>TM</sup>

The fee and expense information regarding the Portfolios was provided by those Portfolios.

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