# EDGAR Filing Document

**Accession Number:** 0000744043
**File Stem:** 0001193125-26-175550
**Filing Date:** 2026-4
**Character Count:** 61641
**Document Hash:** 497d37f07dd66621bfc85ee36dc6b94b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-175550.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-175550

**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 E
- **CENTRAL INDEX KEY:** 0000744043

**ORGANIZATION NAME:**
- **EIN:** 135581829
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-176654
- **FILM NUMBER:** 26890786

**BUSINESS ADDRESS:**
- **STREET 1:** 200 PARK AVENUE
- **STREET 2:** C/O METROPOLITAN LIFE INSURANCE CO
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 2125789500

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

## Series and Classes Contracts Data

### METROPOLITAN LIFE SEPARATE ACCOUNT E (Series ID: S000001300)

| Class ID   | Class Name                                                                     | Ticker Symbol   |
|:---|:---|:---|
| C000106635 | Preference Premier® Variable Annuity Contracts (offered after October 7, 2011) |  |

April 27, 2026

**Updating Summary Prospectus for Investors in Preference Premier**<sup>®</sup> **Variable Annuity Contracts (offered after October 7, 2011)** <br>**Issued by Metropolitan Life Separate Account E of Metropolitan Life Insurance Company** <br>**B Class, B Plus Class, C Class, L Class, R Class**

This Updating Summary Prospectus includes updating information about individual Preference Premier<sup>®</sup> Contracts for deferred variable annuities (the "Deferred Annuities" or the "Contracts") issued by Metropolitan Life Insurance Company ("MetLife," the "Company," "we," "us" or "our).

The Prospectus for the Contracts contains more information about the Contracts, including features, benefits, and risks. You can find the current Prospectus and other information about the Contracts online at https://dfinview.com/metlife/PUFT/MET000257. You can also obtain this information at no cost by calling your Administrative Office at (800) 638-7732, or by sending an email request to RCG@metlife.com. As noted in Appendix A below, if your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.

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

**Interests in the Separate Account, the Portfolios and the Fixed Interest Account are not deposits or 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 or entity or person. MetLife's obligations under the Contract are subject to its financial strength and claims-paying ability.**

**The Securities and Exchange Commission ("SEC")has not approved or disapproved the Contract or determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.**

------

**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_97af055f-ac0b-4c0c-a128-4dd45aba4e0b_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_97af055f-ac0b-4c0c-a128-4dd45aba4e0b_1) | 3  |
| [IMPORTANT TERMS YOU SHOULD KNOW](#xx_d253ce36-88bf-4f60-a261-2cc03cbf8e96_1) | 8  |
| [APPENDIX A Investment Options Available Under The Contract](#xx_92f2ed84-c5fd-4896-8ce2-7c4023805464_1) | A-1 |

---

------

**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract 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 Contract:

● 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 Contract" and Appendix A.

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

● The Fixed Interest Account is now available to Contracts with GMIB Max and EDB Max Optional Benefits, subject to state approval (if the Fixed Interest Account is otherwise available under the Contract).

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

---

| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are there Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** A Withdrawal Charge of up to 8% may be assessed if You make a <br> withdrawal and the amount of the withdrawal is determined to <br> include a withdrawal of any purchase payment paid less than 9 <br> complete years before the date of withdrawal.<br> For example, if You purchase a B Plus Class Contract for $100,000 <br> and surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of up to $8,000. | &nbsp;&nbsp; Charges – Withdrawal <br> Charges<br>|
| **Are there Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to Withdrawal Charges You also may be charged for <br> other transactions such as transferring Account Value among <br> Divisions and between the Divisions and the Fixed Interest Account. <br> Although we do not currently charge a fee for transfers of Account <br> Value among Divisions or between the Divisions and the Fixed <br> Interest Account, we reserve the right to impose a transfer fee of <br> $25. | Charges – Transfer Fee |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;**FEES, EXPENSES AND ADJUSTMENTS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

------

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

------

&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **LOCATION IN** **PROSPECTUS** 

------

---

| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **How are Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Your investment professional may receive compensation for selling <br> this Contract to You, both in the form of commissions and because <br> MetLife may share the revenue it earns on this Contract with the <br> professional's firm. This conflict of interest may influence your <br> investment professional to recommend this Contract over another <br> investment. | Who Sells the Contracts |
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer You a new contract in place of the one You own. You should only <br> exchange your Contract if You determine, after comparing the <br> features, fees, and risks of both contracts, and any fees or penalties <br> to terminate the existing Contract, that it is better for You to <br> purchase the new contract rather than continue to own your existing <br> Contract. | Exchanges/Transfers |

---

------

**IMPORTANT TERMS YOU SHOULD KNOW**

Account Value, Account Balance or Contract Value

When You purchase a Contract, an account is set up for You. Your Account Value (also referred to as Account Balance or Contract Value) is the total amount of money in Your Contract including money in the Divisions of the Separate Account, the Fixed Interest Account and the Enhanced Dollar Cost Averaging Program.

Accumulation Unit Value

With a Contract, money paid-in or transferred into a Division of the Separate Account is credited to You in the form of Accumulation Units for each Division. We determine the value of these Accumulation Units as of the close of the New York Stock Exchange (the "Exchange") each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios. In addition to the investment performance of the Portfolio, the deduction of the Separate Account charge also affects a Division's Accumulation Unit Value.

Administrative Office

Our Administrative Office varies based on the type of service request or transaction that You are making. The most recent correspondence or quarterly statement sent to You will have the address and telephone number that You can use to contact us for specific transactions and requests. We will notify You if there are changes to this information.

Annuitant

The natural person whose life is the measure for determining the duration and the dollar amount of income payments.

Annuity Unit

An accounting unit of measure used to calculate the amount of Annuity Payments.

Annuity Unit Value

With a variable Pay-Out Option, the money paid-in or reallocated into a Division of the Separate Account is held in the form of Annuity Units. Annuity Units are established for each Division. We determine the value of these Annuity Unitsas of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios, the experience factor for the current valuation period, the daily AIR and the Separate Account charge.

Assumed Investment Return (AIR)

Under an income annuity or variable Pay-Out Option, the AIR is the assumed percentage rate of return used to determine the amount of the first variable income payment. The AIR is also the benchmark that is used to calculate the investment performance of a given Division to determine all subsequent payments to You.

Beneficiary

The person or persons who receives a benefit, including continuing payments or a lump sum payment, in the event the Contract Owner or the Annuitant, as applicable, dies.

Contract

A Contract is the legal agreement between You and MetLife. This document contains relevant provisions of your Deferred Annuity.

Contract Anniversary

An anniversary of the date we issue the Contract.

------

Contract Owner

The person(s) or entity entitled to ownership rights under this Contract. If Joint Owners are named, all references to Contract Owner shall mean Joint Owners.

Contract Year

Generally, the Contract Year for a Deferred Annuity is the period ending on the last day of the month in which the anniversary of when we issued the annuity occurs and each following 12-month period.

Deferred Annuity

This term is used throughout this Prospectus when we are referring to the Preference Premier<sup>®</sup> Contracts Deferred Annuities.

Divisions

Divisions are subdivisions of the Separate Account. When You allocate a purchase payment, transfer money or make reallocations of your Account Balance to a Division, the Division purchases shares of a Portfolio (with the same name).

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 correct. 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, facsimile (also referred to as "fax"), email or internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. This information and documentation generally includes to the extent applicable to the transaction: your completed application; your Contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Division affected by the requested transaction; the signatures of all Contract Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting documentation that we may require, including any spousal or Joint Owner's consents. With respect to purchase payments, Good Order also generally includes receipt by us of sufficient funds to effect the purchase. 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. If You have any questions, You should contact us or your registered representative before submitting the form or request.

MetLife

MetLife is Metropolitan Life Insurance Company which is the company that issues the Contracts. Throughout this Prospectus, MetLife is also referred to as "we," "us," "our" or the "Company."

Pay-Out Options/Income Options

These are options that You may elect when You convert your Contract into a regular stream of income after your "pay-in" or "accumulation" phase. The pay-out phase is often referred to as either "annuitizing" your Contract or taking an income annuity.

Separate Account

Metropolitan Life Separate Account E ("Separate Account") is an investment account. All assets contributed to Divisions under the Contracts are pooled in the Separate Account and maintained for the benefit of investors in the Contracts.

Variable Annuity

An annuity with respect to which returns/income payments are based upon the performance of investments such as stocks and bonds held by one or more underlying Portfolios. You assume the investment risk for any amounts allocated to the Divisions in a Variable Annuity.

Withdrawal Charge

The Withdrawal Charge is the amount we deduct from your Account Value, if You withdraw money prematurely from the Contract. This charge is often referred to as a deferred sales load or back-end sales load.

------

You

In this Prospectus "You" is the Contract Owner of the Contract and can be a natural person, a trust established for the exclusive benefit of a natural person, a charitable remainder trust or other trust arrangement (if approved by MetLife) or, subject to our administrative procedures, a corporation or other legal entity we approve. The Contract is generally not available to corporations or other legal entities to fund a qualified or non-qualified retirement plan. "You" can also be a Beneficiary of a deceased person's Individual Retirement Account Contract or non-qualified Contract who purchases the Contract in his or her capacity as Beneficiary. A Contract may have two Owners (both of whom must be individuals).

------

**APPENDIX A Investment Options Available Under The Contract**

The following is a list of Portfolios available. 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 https://dfinview.com/metlife/PUFT/MET000257. You can also request this information at no cost by calling (800) 638-7732, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolio Companies as described below.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may include. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance. <br>

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth-<br> Income Fund<sup>(1)</sup> - Class 2<br> Capital Research and <br> Management Company<sup>SM</sup> <br>| 0.53% | 0.25% | 0.78% | 18.06% | 13.90% | 13.92% |
| Global Equity | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP <br> World Fund<sup>®</sup>\*<sup>(1)††</sup> - Class 2<br> Capital Research and <br> Management Company<sup>SM</sup> <br>| 0.90% | 0.25% | 1.15% | 14.64% | 0.49% | 7.23% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Aggressive <br> Allocation Portfolio - Class C<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.99% | —  | 0.99% | 19.90% | 9.30% | 10.88% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Balanced <br> Allocation Portfolio - Class C<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.96% | —  | 0.96% | 17.02% | 7.26% | 8.99% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Growth <br> Portfolio - Class C<br> Brighthouse Investment <br> Advisers, LLC; Capital <br> Research and Management <br> Company<br>| 0.90% | —  | 0.90% | 19.88% | 13.02% | 17.60% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Moderate <br> Allocation Portfolio - Class C<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.95% | —  | 0.95% | 14.46% | 5.71% | 7.30% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; Baillie Gifford International <br> Stock Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Baillie Gifford <br> Overseas Limited<br>| 0.99% | —  | 0.99% | 18.96% | 0.70% | 7.34% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; BlackRock Bond Income <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: BlackRock <br> Advisors, LLC<br>| 0.63% | —  | 0.63% | 7.68% | -0.42% | 2.12% |
| US Equity | &nbsp;&nbsp;&nbsp; BlackRock Capital <br> Appreciation Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: BlackRock <br> Advisors, LLC<br>| 0.81% | —  | 0.81% | 12.91% | 10.79% | 15.51% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; BlackRock Ultra-Short Term <br> Bond Portfolio\*<sup>(2)</sup> - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: BlackRock <br> Advisors, LLC<br>| 0.62% | —  | 0.62% | 3.89% | 2.83% | 1.85% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 100 Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.96% | —  | 0.96% | 17.06% | 8.63% | 10.70% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 20 Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.93% | —  | 0.93% | 9.25% | 2.06% | 3.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 40 Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.91% | —  | 0.91% | 11.50% | 3.84% | 5.69% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 60 Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.91% | —  | 0.91% | 13.77% | 5.55% | 7.47% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation <br> 80 Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br>| 0.93% | —  | 0.93% | 15.63% | 7.18% | 9.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap <br> Value Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Artisan <br> Partners Limited <br> Partnership<br>| 1.03% | —  | 1.03% | 1.57% | 6.77% | 8.05% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; Brighthouse/Dimensional <br> International Small Company <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Dimensional <br> Fund Advisors LP<br>| 1.03% | —  | 1.03% | 35.85% | 8.30% | 8.14% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Brighthouse/Eaton Vance <br> Floating Rate Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Eaton Vance <br> Management<br>| 0.95% | —  | 0.95% | 3.81% | 4.75% | 4.59% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Brighthouse/Franklin Low <br> Duration Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Franklin <br> Advisers, Inc.<br>| 0.75% | —  | 0.75% | 5.25% | 2.14% | 2.23% |
| Global Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Brighthouse/Templeton <br> International Bond <br> Portfolio\*<sup>#</sup> - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Franklin <br> Advisers, Inc.<br>| 0.94% | —  | 0.94% | 16.35% | -0.69% | -0.64% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core <br> Equity Opportunities <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.87% | —  | 0.87% | 7.54% | 8.02% | 10.45% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large <br> Cap Research Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Wellington <br> Management Company LLP<br>| 0.79% | —  | 0.79% | 15.62% | 12.01% | 13.33% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: CBRE <br> Investment Management <br> Listed Real Assets LLC<br>| 0.91% | —  | 0.91% | 6.75% | 4.03% | 3.95% |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Frontier <br> Capital Management <br> Company, LLC<br>| 0.94% | —  | 0.94% | 4.90% | 3.52% | 9.88% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; Harris Oakmark International <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Harris <br> Associates L.P.<br>| 0.97% | —  | 0.97% | 32.78% | 6.46% | 6.74% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Invesco <br> Advisers, Inc.<br>| 0.83% | —  | 0.83% | 15.60% | 7.30% | 11.00% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Invesco <br> Advisers, Inc.<br>| 0.99% | —  | 0.99% | 5.83% | -0.91% | 9.00% |
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Jennison <br> Associates LLC<br>| 0.79% | —  | 0.79% | 13.72% | 10.01% | 16.41% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; JPMorgan Core Bond <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: J.P. Morgan <br> Investment Management <br> Inc.<br>| 0.70% | —  | 0.70% | 6.95% | -0.19% | 2.02% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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 <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: J.P. Morgan <br> Investment Management <br> Inc.<br>| 1.04% | —  | 1.04% | 12.14% | 9.65% | 8.81% |
| Allocation | &nbsp;&nbsp;&nbsp; Loomis Sayles Global <br> Allocation Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 1.04% | —  | 1.04% | 12.59% | 6.25% | 9.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 0.80% | —  | 0.80% | 14.90% | 14.77% | 13.91% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Loomis, <br> Sayles & Company, L.P.<br>| 1.15% | —  | 1.15% | 5.02% | 7.17% | 9.15% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond <br> Index Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.51% | —  | 0.51% | 6.80% | -0.88% | 1.51% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index <br> Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.55% | —  | 0.55% | 6.86% | 8.54% | 10.16% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index <br> Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.62% | —  | 0.62% | 30.70% | 8.35% | 7.76% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Allocation | &nbsp;&nbsp;&nbsp; MetLife Multi-Index Targeted <br> Risk Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.62% | —  | 0.62% | 9.08% | 2.93% | 5.31% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index <br> Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.55% | —  | 0.55% | 12.33% | 5.71% | 9.27% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: MetLife <br> Investment Management, <br> LLC<br>| 0.52% | —  | 0.52% | 17.28% | 13.84% | 14.24% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.81% | —  | 0.81% | 22.41% | 5.54% | 7.57% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* <br> - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.87% | —  | 0.87% | 10.83% | 6.15% | 7.38% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Massachusetts <br> Financial Services <br> Company<br>| 0.83% | —  | 0.83% | 13.00% | 9.84% | 9.99% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Morgan Stanley <br> Investment Management <br> Inc.<br>| 0.90% | —  | 0.90% | 13.19% | -5.83% | 14.00% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Neuberger <br> Berman Investment <br> Advisers LLC<br>| 1.06% | —  | 1.06% | -4.74% | 2.62% | 8.86% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; PIMCO Inflation Protected <br> Bond Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Pacific <br> Investment Management <br> Company LLC<br>| 1.38% | —  | 1.38% | 7.74% | 1.15% | 3.09% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; PIMCO Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Pacific <br> Investment Management <br> Company LLC<br>| 0.83% | —  | 0.83% | 8.90% | -0.07% | 2.30% |
| International <br> Equity<br>| &nbsp;&nbsp;&nbsp; State Street Emerging <br> Markets Enhanced Index <br> Portfolio - Class B (formerly <br> known as SSGA Emerging <br> Markets Enhanced Index <br> Portfolio<sup>##</sup> - Class B)<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: SSGA Funds <br> Management, Inc.<br>| 0.80% | —  | 0.80% | 34.14% | 6.04% | —  |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderate ETF <br> Portfolio - Class B (formerly <br> known as SSGA Growth and <br> Income ETF Portfolio - <br> Class B)<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: SSGA Funds <br> Management, Inc.<br>| 0.75% | —  | 0.75% | 16.78% | 7.19% | 7.85% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderately <br> Aggressive ETF Portfolio - <br> Class B (formerly known as <br> SSGA Growth ETF Portfolio - <br> Class B)<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: SSGA Funds <br> Management, Inc.<br>| 0.78% | —  | 0.78% | 19.23% | 9.01% | 9.31% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap <br> Growth Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: T. Rowe Price <br> Associates, Inc.<br>| 0.81% | —  | 0.81% | 15.45% | 9.37% | 14.10% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: T. Rowe Price <br> Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment <br> Management, Inc. is the <br> sub-subadviser<br>| 0.95% | —  | 0.95% | 3.42% | 3.83% | 9.77% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap <br> Growth Portfolio - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: T. Rowe Price <br> Associates, Inc.<br>| 0.76% | —  | 0.76% | 10.00% | 5.48% | 10.60% |
| Sector | &nbsp;&nbsp;&nbsp; VanEck Global Natural <br> Resources Portfolio\*<sup>#</sup> - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Van Eck <br> Associates Corporation<br>| 1.02% | —  | 1.02% | 36.40% | 10.37% | 8.51% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap <br> Value Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Victory Capital <br> Management, Inc.<br>| 0.85% | —  | 0.85% | 2.29% | 9.62% | 9.58% |

---

------

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &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; **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES**<br> **+**<br> **PLATFORM**<br> **CHARGE** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Western Asset Management <br> Government Income <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.74% | —  | 0.74% | 7.21% | -1.27% | 1.21% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Western Asset Management <br> Strategic Bond Opportunities <br> Portfolio\* - Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.82% | —  | 0.82% | 8.88% | 1.17% | 3.77% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Western Asset Management <br> Strategic Bond Opportunities <br> Portfolio\*§ - Class E<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.72% | —  | 0.72% | 8.95% | 1.27% | 3.88% |
| US Fixed <br> Income<br>| &nbsp;&nbsp;&nbsp; Western Asset Management <br> U.S. Government Portfolio\* - <br> Class B<br> Brighthouse Investment <br> Advisers, LLC<br> Subadviser: Western Asset <br> Management Company, <br> LLC<br>| 0.75% | —  | 0.75% | 6.81% | 0.35% | 1.57% |

---

\*

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

§

Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.

(1) The Portfolio has an additional platform fee of 0.25%. This amount is included in the Mortality and Expense Risk Charge and is not a separate charge.

(2) The BlackRock Ultra-Short Term Bond Portfolio is only available in Class C Contracts, and in Contracts issued in New York State or Washington State with any living benefit or the EDB.

#

These Portfolios are only available for investment if you elected the GMIB Plus IV, the EDB III, the GMIB Plus III and the EDB II.

##

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.

††

Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds

------

SMALLCAP World Fund<sup>®</sup>.

Investment Allocation Restrictions For Certain Optional Benefits

Investment Allocation Restrictions for GMIB Max, EDB Max, GWB v1 and GLWB

If You elected a GMIB Max and/or EDB Max or if You elected the GWB v1, You must allocate all of your purchase payments and Account Value among these investment options. If you elected the GLWB, You must allocate at least 80% of your purchase payments and Account Value among these investment options. The investment options listed below (other than the MetLife Aggregate Bond Index Division and the Western Asset Management<sup>®</sup> Government Income Division) are intended in part to reduce the risk of investment losses that could require us to use our own assets to make payments in connection with the guarantees under the GMIB Max and/or EDB Max or GWB v1 or GLWB optional benefits. In addition, other investment options that are available if these optional benefits are not selected may offer the potential for higher returns.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) MetLife Multi-Index Targeted Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) MetLife Aggregate Bond Index

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Western Asset Management<sup>®</sup> Government Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) For the GMIB Max and EDB Max, the Fixed Interest Account, subject to state approval (if otherwise available under your Contract (see "Fixed Option," below))

If You elected the GLWB, You are permitted to allocate up to 20% of Your purchase payments and Account Value among these Portfolios. These Portfolios are also available for investment if You did not elect the GLWB.

American Funds<sup>®</sup> Balanced Allocation Portfolio <br>American Funds<sup>®</sup> Moderate Allocation Portfolio <br>Brighthouse Asset Allocation 20 Portfolio <br>Brighthouse Asset Allocation 40 Portfolio <br>Brighthouse Asset Allocation 60 Portfolio <br>State Street Moderate ETF Portfolio

Investment Allocation for the GMIB Plus IV, the EDB III, the GMIB Plus III and the EDB II

If You elected the GMIB Plus IV, the EDB III, the GMIB Plus III or the EDB II, You must comply with certain investment allocation restrictions. Specifically, You must allocate according to either Option (A) or Option (B) (the "Option (B) Investment Allocation Restrictions") below. The MetLife Mutli-Index Targeted Risk and Fixed Interest Account investment options in Option (A) and Option (B) below are intended in part to reduce the risk of investment losses that could require us to use our own assets to make payments in connection with the guarantees under the GMIB Plus IV, EDB III, the GMIB Plus III and the EDB II. In addition, other investment options that are available if these optional benefits are not selected may offer the potential for higher returns.

(A) You must allocate:

● 100% of your purchase payments or Account Value among the American Funds<sup>®</sup> Balanced Allocation Division, American Funds<sup>®</sup> Moderate Allocation Division, Brighthouse Asset Allocation 20 Division, Brighthouse Asset Allocation 40 Division, Brighthouse Asset Allocation 60 Division, MetLife Multi-Index Targeted Risk Division, State Street Moderate ETF Division, and/or the Fixed Interest Account (if otherwise available under your Contract (see "Fixed Option," below)) and the BlackRock Ultra-Short Term Bond Division (where available).

------

(You may also allocate purchase payments to the EDCA program, provided that your destination portfolios are one or more of the above listed Divisions; You may not allocate purchase payments to the Dollar Cost Averaging programs.);

OR

(B) You must allocate:

● *at least* 30% of purchase payments or Account Value to Platform 1 investment choices and/or to the Fixed Interest Account (if otherwise available under your Contract (see "Fixed Option," below)) and the BlackRock Ultra-Short Term Bond Division (where available);

● *up to* 70% of purchase payments or Account Value to Platform 2 investment choices;

● *up to* 15% of purchase payments or Account Value to Platform 3 investment choices; and

● *up to* 15% of purchase payments or Account Value to Platform 4 investment choices.

**Subsequent Purchase Payments.** Subsequent purchase payments must be allocated in accordance with the above limitations. When allocating according to Option (B) above, it is important to remember that the entire Account Value will be immediately reallocated according to any new allocation instructions that accompany a subsequent purchase payment if the new allocation instructions differ from those previously received on the Contract. Allocating according to Option (B) does not permit You to specify different allocations for individual purchase payments. Due to the rebalancing and reallocation requirements of Option (B), the entire Account Value will be immediately allocated according to the most recently provided allocation instructions.

Example:

Your Account Value is $100,000 and You have allocated 70% to the American Funds<sup>®</sup> Growth Division and 30% to the PIMCO Total Return Division using Option (B). You make a subsequent purchase payment of $5,000 and provide instructions to allocate that payment 100% to the BlackRock Bond Income Division. As a result, your entire Account Value of $105,000 will then be reallocated to the BlackRock Bond Income Division.

The investment choices in each platform are as follows:

---

| | | |
|:---|:---|:---|
| **Platform 1** | BlackRock Bond Income | PIMCO Inflation Protected<br> Bond<br>|
| **Platform 1** | Brighthouse/Franklin Low Duration <br> Total Return<br>| PIMCO Total Return |
| **Platform 1** | JPMorgan Core Bond | Western Asset Management<sup>®</sup> <br>Government Income<br>|
| **Platform 1** | MetLife Aggregate Bond<br> Index<br>| Western Asset Management U.S.<br> Government<br>|

---

------

---

| | | |
|:---|:---|:---|
| **Platform 2** | American Funds<sup>®</sup> Growth | Loomis Sayles Growth |
| **Platform 2** | American Funds<br> Growth-Income<br>| Loomis Sayles Global<br> Allocation<br>|
| **Platform 2** | Baillie Gifford<br> International Stock<br>| MetLife MSCI EAFE<sup>®</sup> <br>Index<br>|
| **Platform 2** | BlackRock Capital<br> Appreciation<br>| MetLife Multi-Index<br> Targeted Risk<br>|
| **Platform 2** | Brighthouse Asset<br> Allocation 100<br>| MetLife Stock Index |
| **Platform 2** | Brighthouse/Wellington<br> Core Equity Opportunities<br>| MFS<sup>®</sup> Research<br> International<br>|
| **Platform 2** | Brighthouse/Wellington<br> Large Cap Research<br>| MFS<sup>®</sup> Total Return |
| **Platform 2** | Harris Oakmark<br> International<br>| MFS<sup>®</sup> Value |
| **Platform 2** | Invesco Global Equity | T. Rowe Price Large Cap<br> Growth<br>|
| **Platform 2** | Jennison Growth | Western Asset Management<br> Strategic Bond Opportunities<br>|
| **Platform 3** | Brighthouse/Artisan Mid<br> Cap Value<br>| MetLife Mid Cap Stock Index |
| **Platform 3** | Frontier Mid Cap Growth | Morgan Stanley Discovery |
| **Platform 3** | Victory Sycamore Mid Cap Value | T. Rowe Price Mid Cap Growth |

---

------

---

| | | |
|:---|:---|:---|
| **Platform 4** | American Funds SMALLCAP<br> World Fund<sup>®</sup> <br>| JPMorgan Small Cap Value |
| **Platform 4** | State Street Emerging Markets<br> Enhanced Index Portfolio<br>| Loomis Sayles Small Cap<br> Core<br>|
| **Platform 4** | Brighthouse/Dimensional<br> International Small<br> Company<br>| MetLife Russell 2000<sup>®</sup> <br>Index<br>|
| **Platform 4** | Brighthouse/Eaton Vance<br> Floating Rate<br>| Neuberger Berman<br> Genesis<br>|
| **Platform 4** | Brighthouse/Templeton<br> International Bond<br>| T. Rowe Price Small Cap<br> Growth<br>|
| **Platform 4** | CBRE Global Real Estate | VanEck Global Natural<br> Resources |
| **Platform 4** | Invesco Small Cap Growth | VanEck Global Natural<br> Resources |

---

Optional Automated Investment Strategies, Optional Dollar Cost Averaging and Optional Enhanced Dollar Cost Averaging Programs

The charts below summarize the availability of the Dollar Cost Averaging and Enhanced Dollar Cost Averaging programs and the automated investment strategies:

Optional Dollar Cost Averaging and Optional Enhanced Dollar Cost Averaging ("EDCA") Programs:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **You may choose one:** | **B Class** | **B Plus Class** | **C Class** | **L Class** | **R Class** |
| Equity Generator<sup>®</sup>\* | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes | &nbsp;&nbsp; No | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes |
| Allocator<sup>SM</sup>\* | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes | &nbsp;&nbsp; No | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*Not available in Contracts issued in New York State and Washington State with a GMIB or an EDB. Not available with <br> GMIB Plus III, EDB II, GWB v1 or GLWB. Not available for C Class Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*Not available in Contracts issued in New York State and Washington State with a GMIB or an EDB. Not available with <br> GMIB Plus III, EDB II, GWB v1 or GLWB. Not available for C Class Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*Not available in Contracts issued in New York State and Washington State with a GMIB or an EDB. Not available with <br> GMIB Plus III, EDB II, GWB v1 or GLWB. Not available for C Class Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*Not available in Contracts issued in New York State and Washington State with a GMIB or an EDB. Not available with <br> GMIB Plus III, EDB II, GWB v1 or GLWB. Not available for C Class Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*Not available in Contracts issued in New York State and Washington State with a GMIB or an EDB. Not available with <br> GMIB Plus III, EDB II, GWB v1 or GLWB. Not available for C Class Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*Not available in Contracts issued in New York State and Washington State with a GMIB or an EDB. Not available with <br> GMIB Plus III, EDB II, GWB v1 or GLWB. Not available for C Class Contracts. |
| EDCA\*\* | &nbsp;&nbsp; Yes | &nbsp;&nbsp; No | &nbsp;&nbsp; No | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*May not be used with purchase payments consisting of money from other variable annuities issued by MetLife or its <br> affiliates. Restrictions apply to destination Investment Divisions with a GMIB, an EDB, the GWB v1, the GLWB and the <br> Index Selector. Not available for B Plus and Class C Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*May not be used with purchase payments consisting of money from other variable annuities issued by MetLife or its <br> affiliates. Restrictions apply to destination Investment Divisions with a GMIB, an EDB, the GWB v1, the GLWB and the <br> Index Selector. Not available for B Plus and Class C Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*May not be used with purchase payments consisting of money from other variable annuities issued by MetLife or its <br> affiliates. Restrictions apply to destination Investment Divisions with a GMIB, an EDB, the GWB v1, the GLWB and the <br> Index Selector. Not available for B Plus and Class C Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*May not be used with purchase payments consisting of money from other variable annuities issued by MetLife or its <br> affiliates. Restrictions apply to destination Investment Divisions with a GMIB, an EDB, the GWB v1, the GLWB and the <br> Index Selector. Not available for B Plus and Class C Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*May not be used with purchase payments consisting of money from other variable annuities issued by MetLife or its <br> affiliates. Restrictions apply to destination Investment Divisions with a GMIB, an EDB, the GWB v1, the GLWB and the <br> Index Selector. Not available for B Plus and Class C Contracts. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*May not be used with purchase payments consisting of money from other variable annuities issued by MetLife or its <br> affiliates. Restrictions apply to destination Investment Divisions with a GMIB, an EDB, the GWB v1, the GLWB and the <br> Index Selector. Not available for B Plus and Class C Contracts. |

---

------

Optional Automated Investment Strategies:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **You may choose one:** | **B Class** | **B Plus Class** | **C Class** | **L Class** | **R Class** |
| Rebalancer<sup>®</sup>\*\*\* | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*Automatic if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II, the GMIB Plus III or elect the GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*Automatic if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II, the GMIB Plus III or elect the GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*Automatic if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II, the GMIB Plus III or elect the GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*Automatic if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II, the GMIB Plus III or elect the GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*Automatic if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II, the GMIB Plus III or elect the GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*Automatic if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II, the GMIB Plus III or elect the GLWB. |
| Index Selector<sup>®</sup>\*\*\*\* | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes | &nbsp;&nbsp; Yes |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*\*Not available if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II or the GMIB Plus III. The Moderate to Aggressive and Aggressive Models are not available with the EDB III, <br> the GMIB Plus IV, the EDB II or the GMIB Plus III. Not available with the GMIB Max V, the GMIB Max IV, the GMIB <br> Max III, the GMIB Max II, the EDB Max V, the EDB Max IV, the EDB Max III, the EDB Max II, the GWB v1 or the <br> GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*\*Not available if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II or the GMIB Plus III. The Moderate to Aggressive and Aggressive Models are not available with the EDB III, <br> the GMIB Plus IV, the EDB II or the GMIB Plus III. Not available with the GMIB Max V, the GMIB Max IV, the GMIB <br> Max III, the GMIB Max II, the EDB Max V, the EDB Max IV, the EDB Max III, the EDB Max II, the GWB v1 or the <br> GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*\*Not available if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II or the GMIB Plus III. The Moderate to Aggressive and Aggressive Models are not available with the EDB III, <br> the GMIB Plus IV, the EDB II or the GMIB Plus III. Not available with the GMIB Max V, the GMIB Max IV, the GMIB <br> Max III, the GMIB Max II, the EDB Max V, the EDB Max IV, the EDB Max III, the EDB Max II, the GWB v1 or the <br> GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*\*Not available if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II or the GMIB Plus III. The Moderate to Aggressive and Aggressive Models are not available with the EDB III, <br> the GMIB Plus IV, the EDB II or the GMIB Plus III. Not available with the GMIB Max V, the GMIB Max IV, the GMIB <br> Max III, the GMIB Max II, the EDB Max V, the EDB Max IV, the EDB Max III, the EDB Max II, the GWB v1 or the <br> GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*\*Not available if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II or the GMIB Plus III. The Moderate to Aggressive and Aggressive Models are not available with the EDB III, <br> the GMIB Plus IV, the EDB II or the GMIB Plus III. Not available with the GMIB Max V, the GMIB Max IV, the GMIB <br> Max III, the GMIB Max II, the EDB Max V, the EDB Max IV, the EDB Max III, the EDB Max II, the GWB v1 or the <br> GLWB. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \*\*\*\*Not available if You choose Option (B) of the Investment Allocation Restrictions for the EDB III, the GMIB Plus IV, the <br> EDB II or the GMIB Plus III. The Moderate to Aggressive and Aggressive Models are not available with the EDB III, <br> the GMIB Plus IV, the EDB II or the GMIB Plus III. Not available with the GMIB Max V, the GMIB Max IV, the GMIB <br> Max III, the GMIB Max II, the EDB Max V, the EDB Max IV, the EDB Max III, the EDB Max II, the GWB v1 or the <br> GLWB. |

---

**Index Selector**

If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:

MetLife Aggregate Bond Index <br>MetLife Stock Index <br>MetLife MSCI EAFE Index <br>MetLife Russell 2000 Index <br>MetLife Mid Cap Stock Index

Fixed Option

The following is information on the Fixed Interest Account currently available under the Contract. The Fixed Interest Account is not available for C Class Contracts. Restrictions also apply to destination Divisions with respect to GMIB Max V and/or the EDB Max V, the GMIB Max IV and/or the EDB Max IV, the GMIB Max III and/or the EDB Max III, the GMIB Max II and/or the EDB Max II, the GWB v 1, GLWB, GMIB Plus IV, the EDB III, the GMIB Plus III or the EDB II and the Index Selector. In addition, the Fixed Interest Account is not available for any Contract issued in New York and Washington with any living benefit rider or EDB rider.

We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account if (1) the interest rate we credit in the Fixed Interest Account is equal to the guaranteed minimum rate as stated in your Contract; or (2) Your Account Value in the Fixed Interest Account Value is equal to or exceeds our maximum for Fixed Interest Account allocations (i.e., $1,000,000). If such restriction occurs, we will notify You of such change.

------

---

| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate**\* |
| Fixed Interest Account | &nbsp;&nbsp;&nbsp; **Initial Interest Rate Term:** The <br> interest rate for each amount <br> allocated to the Fixed Interest <br> Account is set by us in advance. <br> Thereafter, each year a new rate will <br> apply to that amount plus the interest <br> previously credited to that amount. <br> The new rate will be set by us in <br> advance and will apply for 12 months. <br> Interest will be credited to the Fixed <br> Interest Account on a daily basis. We <br> may declare interest rates for <br> different one-year periods. If we do so <br> we will tell you in advance<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Renewal Rate Term:** 12 months<br>| 1% |

---

\*

The Minimum Guaranteed Interest Rate Varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.

------

![](g164784metlife_logo.jpg)

This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information, which have the same date as this Updating Summary Prospectus, and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling your Administrative Office at (800) 638-7732, by going online at https://dfinview.com/metlife/PUFT/MET000257, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract Values, to change or update Contract information such as your billing address, billing mode, Beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract, You may call your Administrative Office at (800) 638-7732.

Managing your variable annuity contract just got easier. We're excited to share our enhanced website with You. Login or register today at **online.metlife.com** and enjoy a more convenient way to manage your Contract and sign-up for eDelivery!

EDGAR ID: C000106635

------