# EDGAR Filing Document

**Accession Number:** 0001350943
**File Stem:** 0001193125-26-168851
**Filing Date:** 2026-4
**Character Count:** 51464
**Document Hash:** 281f383f1a143c91b4d249c3fbf2d98b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-168851.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-168851

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Brighthouse Variable Life Account A
- **CENTRAL INDEX KEY:** 0001350943

**ORGANIZATION NAME:**
- **EIN:** 060566090
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-200241
- **FILM NUMBER:** 26881414

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

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MetLife Investors USA Variable Life Account A
- **DATE OF NAME CHANGE:** 20060125

## Series and Classes Contracts Data

### Brighthouse Variable Life Account A (Series ID: S000008894)

| Class ID   | Class Name           | Ticker Symbol   |
|:---|:---|:---|
| C000151829 | Equity Advantage VUL |  |

![](g246653bhouse_logo.jpg)

**EQUITY ADVANTAGE VUL**

Flexible Premium <br>Variable Life Insurance Policies <br>Issued by

Brighthouse Variable Life Account A of <br>Brighthouse Life Insurance Company

**Updating Summary Prospectus**

April 27, 2026

This Summary Prospectus summarizes key features of the Equity Advantage VUL flexible premium life insurance policy (the "Policy").

The prospectus for the Policy contains more information about the Policy's features, benefits, and risks. You can find the current prospectus and other information about the Policy online at https://dfinview.com/BHF/PUFT/BHF204. You can also obtain this information at no cost by calling (800) 882-1292 or by sending an email request to rcg@brighthousefinancial.com.

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

The Company's obligations under the Policy are subject to our financial strength and claims-paying ability. Additional general information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**The Securities and Exchange Commission has not approved or disapproved these securities or determined if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
|  | **Page** |
| [Glossary](#xx_391ff581-aa36-47da-9d48-448edc5411d7_1) | 3  |
| [Updated Information You Should Consider About the Policy](#xx_391ff581-aa36-47da-9d48-448edc5411d7_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER about the policy](#xx_5a9c7ccb-903f-45bc-a5bf-ed87a0ed82b0_1) | 5  |
| [APPENDIX B: PORTFOLIOS AVAILABLE UNDER THE POLICY](#xx_f1c752ac-0db2-4195-bd35-d3acffc20bc7_2) | B-1 |

---

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**Glossary**

**Attained Age**. The insured's age plus the number of completed Policy years.

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

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

**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, if there is an outstanding Policy loan, the amount of its cash value held in the Loan Account, and any amount held in the EDCA account.

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

**Investment 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.

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

**Net Cash Value**. The Policy's Cash Value less any outstanding loans and accrued loan interest.

**Portfolios**. The mutual fund portfolios available under your Policy.

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

**Separate Account**. Brighthouse Variable Life Account A, a Separate Account established by BLIC 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.

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

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

On November 6, 2025, Brighthouse Financial, Inc. ("BHF") and Aquarian Capital LLC ("Aquarian") announced that they had entered into a definitive agreement under which an affiliate of Aquarian will acquire BHF. This transaction is subject to the satisfaction or waiver of customary closing conditions, including receipt of applicable regulatory approvals. Subject to such approvals and the satisfaction or waiver of the other conditions, the transaction is expected to be consummated in 2026.

Upon the consummation of the transaction, Aquarian will become the ultimate parent of BHF and the Company will remain an indirect wholly-owned subsidiary of BHF. Although Aquarian will replace BHF as the Company's ultimate parent, the Company will continue in its present role as the issuer of your Policy. All of your rights and benefits under your Policy and the Company's obligations under the Policy will remain unchanged.

Founded in 2017, Aquarian Capital is a diversified global holding company with a strategic portfolio of insurance and asset management solutions. Aquarian is headquartered in New York, NY.

**Changes Affecting the Portfolios** 

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

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**Portfolio Name Changes.** Certain Portfolios were subject to a name change. The chart below identifies the former name

and new name of these Portfolios.

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

---

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

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**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> **Withdrawals**<br>| &nbsp;&nbsp; If, during the first ten Policy years, or during the first ten Policy years <br> following a face amount increase, you surrender or lapse your Policy, <br> reduce the face amount, or make a partial withdrawal or change in <br> death benefit option that reduces the face amount, then we will deduct a <br> surrender charge from the Cash Value.<br>The maximum surrender charge will not be greater than 3.825% of the <br> Base Policy's face amount. For example, if your Policy had a Base Policy <br> face amount of $100,000 and you surrendered the Policy in Policy <br> year 1, you could pay a surrender charge of up to $3,825.00. | &nbsp;&nbsp; If, during the first ten Policy years, or during the first ten Policy years <br> following a face amount increase, you surrender or lapse your Policy, <br> reduce the face amount, or make a partial withdrawal or change in <br> death benefit option that reduces the face amount, then we will deduct a <br> surrender charge from the Cash Value.<br>The maximum surrender charge will not be greater than 3.825% of the <br> Base Policy's face amount. For example, if your Policy had a Base Policy <br> face amount of $100,000 and you surrendered the Policy in Policy <br> year 1, you could pay a surrender charge of up to $3,825.00. | &nbsp;&nbsp; If, during the first ten Policy years, or during the first ten Policy years <br> following a face amount increase, you surrender or lapse your Policy, <br> reduce the face amount, or make a partial withdrawal or change in <br> death benefit option that reduces the face amount, then we will deduct a <br> surrender charge from the Cash Value.<br>The maximum surrender charge will not be greater than 3.825% of the <br> Base Policy's face amount. For example, if your Policy had a Base Policy <br> face amount of $100,000 and you surrendered the Policy in Policy <br> year 1, you could pay a surrender charge of up to $3,825.00. | &nbsp;&nbsp; **Charges –** <br> **Surrender Charge** <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Fee Tables**<br>|
| **Transaction** <br> **Charges**<br>| &nbsp;&nbsp; In addition to surrender charges, you also may be charged for other <br> transactions. These charges include a sales charge and/or state and <br> federal premium tax with respect to Premium payments; an <br> administrative charge for partial withdrawals; a transfer charge on your <br> transfer of Cash Value among the Investment Divisions and to and from <br> the Fixed Account; and an Illustration of Benefits Charge upon provision <br> to you of each illustration in excess of one per year. | &nbsp;&nbsp; In addition to surrender charges, you also may be charged for other <br> transactions. These charges include a sales charge and/or state and <br> federal premium tax with respect to Premium payments; an <br> administrative charge for partial withdrawals; a transfer charge on your <br> transfer of Cash Value among the Investment Divisions and to and from <br> the Fixed Account; and an Illustration of Benefits Charge upon provision <br> to you of each illustration in excess of one per year. | &nbsp;&nbsp; In addition to surrender charges, you also may be charged for other <br> transactions. These charges include a sales charge and/or state and <br> federal premium tax with respect to Premium payments; an <br> administrative charge for partial withdrawals; a transfer charge on your <br> transfer of Cash Value among the Investment Divisions and to and from <br> the Fixed Account; and an Illustration of Benefits Charge upon provision <br> to you of each illustration in excess of one per year. | &nbsp;&nbsp; **Charges – Sales** <br> **Charge; Premium** <br> **Tax Charge;** <br> **Transfer Charge;** <br> **Illustrations of** <br> **Benefits Charge;** <br> **Partial Withdrawal** <br> **Charge**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Fee Tables**<br>|
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment <br> in the Policy is subject to certain ongoing fees and expenses, including a <br> cost of insurance charge; a Policy charge; a mortality and expense risk <br> charge; a coverage expense charge; loan interest spread; and charges <br> for various riders offered along with the Policy. Certain of those ongoing <br> charges vary in amount depending on the insured's age, risk class, and <br> (except for unisex Policies) sex. You should view the Policy specifications <br> page of your Policy for the specific charges applicable to your Policy.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Portfolios under the <br> Policy, as shown in the following table: | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment <br> in the Policy is subject to certain ongoing fees and expenses, including a <br> cost of insurance charge; a Policy charge; a mortality and expense risk <br> charge; a coverage expense charge; loan interest spread; and charges <br> for various riders offered along with the Policy. Certain of those ongoing <br> charges vary in amount depending on the insured's age, risk class, and <br> (except for unisex Policies) sex. You should view the Policy specifications <br> page of your Policy for the specific charges applicable to your Policy.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Portfolios under the <br> Policy, as shown in the following table: | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment <br> in the Policy is subject to certain ongoing fees and expenses, including a <br> cost of insurance charge; a Policy charge; a mortality and expense risk <br> charge; a coverage expense charge; loan interest spread; and charges <br> for various riders offered along with the Policy. Certain of those ongoing <br> charges vary in amount depending on the insured's age, risk class, and <br> (except for unisex Policies) sex. You should view the Policy specifications <br> page of your Policy for the specific charges applicable to your Policy.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Portfolios under the <br> Policy, as shown in the following table: | &nbsp;&nbsp; **Charges – Policy** <br> **Charge; Coverage** <br> **Expenses Charge;** <br> **Monthly Charges** <br> **for the Cost of** <br> **Insurance;** <br> **Mortality and** <br> **Expense Risk** <br> **Charge; Loan** <br> **Interest Spread;** <br> **Optional Benefit** <br> **Charges; Portfolio** <br> **Expenses**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Fee Tables** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Charges – Policy** <br> **Charge; Coverage** <br> **Expenses Charge;** <br> **Monthly Charges** <br> **for the Cost of** <br> **Insurance;** <br> **Mortality and** <br> **Expense Risk** <br> **Charge; Loan** <br> **Interest Spread;** <br> **Optional Benefit** <br> **Charges; Portfolio** <br> **Expenses**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Fee Tables** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Investment options<br> (Portfolio fees and <br> expenses)<br>| 0.27% | 1.17% | &nbsp;&nbsp; **Charges – Policy** <br> **Charge; Coverage** <br> **Expenses Charge;** <br> **Monthly Charges** <br> **for the Cost of** <br> **Insurance;** <br> **Mortality and** <br> **Expense Risk** <br> **Charge; Loan** <br> **Interest Spread;** <br> **Optional Benefit** <br> **Charges; Portfolio** <br> **Expenses**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Fee Tables** |
|  | **RISKS** | **RISKS** | **RISKS** |  |
| **Risk of Loss** | You can lose money by investing in the Policy. | You can lose money by investing in the Policy. | You can lose money by investing in the Policy. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Policy**<br>|
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; The Policy is not a short-term investment and is not appropriate for an <br> investor who needs ready access to cash. If you make a premature <br> withdrawal of cash from your Policy, you may incur various costs (e.g., a <br> surrender charge) and also possible Federal income tax. | &nbsp;&nbsp; The Policy is not a short-term investment and is not appropriate for an <br> investor who needs ready access to cash. If you make a premature <br> withdrawal of cash from your Policy, you may incur various costs (e.g., a <br> surrender charge) and also possible Federal income tax. | &nbsp;&nbsp; The Policy is not a short-term investment and is not appropriate for an <br> investor who needs ready access to cash. If you make a premature <br> withdrawal of cash from your Policy, you may incur various costs (e.g., a <br> surrender charge) and also possible Federal income tax. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Policy**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges**<br>|

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| | | |
|:---|:---|:---|
|  | **RISKS** |  |
| **Risks Associated** <br> **with Investment** <br> **Options**<br>| &nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Policy (e.g., the Portfolios). Each <br> investment option, including the Fixed Account, will have its own unique <br> risks, and you should review these investment options before making an <br> investment decision. | &nbsp;&nbsp; **The Company, The** <br> **Separate Account** <br> **and The Portfolios -** <br> **the Portfolios**<br>|
| **Insurance** <br> **Company Risks**<br>| &nbsp;&nbsp; An investment in the Policy is subject to the risks related to BLIC, <br> including that any obligations (including obligations related to amounts <br> invested in the Fixed Account), guarantees, or benefits are subject to <br> BLIC's claims-paying ability. More information about BLIC, including its <br> financial strength ratings, is available upon request by calling (888) <br> 243-1968. | &nbsp;&nbsp; **The Company, The** <br> **Separate Account** <br> **and The Portfolios -** <br> **the Company; the** <br> **Separate Account**<br>|
| **Contract Lapse** | &nbsp;&nbsp; In general, in any month that your Policy's Cash Surrender Value is not <br> large enough to cover the Monthly Deduction (i.e., the amount we <br> deduct on the first day of each Policy month for charges such as the <br> Policy charge), your Policy will be in default, and may lapse. Your Policy's <br> Cash Surrender Value can be impacted by poor investment performance <br> of the Portfolios you select. Your Policy may also lapse if Policy loans <br> plus accrued interest exceed the Policy's Cash Value less the surrender <br> charge. Additionally, insufficient Premium payments, withdrawals and <br> policy charges (including increases in those charges) could cause the <br> Policy to lapse and you will no longer have insurance coverage. If your <br> Policy has lapsed, in most states you may reinstate it within three years <br> after the date of lapse if the insured has not reached Attained Age121.<br> In North Carolina and Missouri, you may reinstate your Policy within five <br> years after the date of lapse. Reinstatement in all cases requires <br> payment of certain charges described in the Policy and usually requires <br> evidence of insurability that is satisfactory to us. Death benefits will not <br> be paid if the Policy has lapsed. | &nbsp;&nbsp; **Lapse and** <br> **Reinstatement**<br>|
|  | **Restrictions** |  |
| **Investments** | &nbsp;&nbsp; Availability of Portfolios. We reserve the right to close or substitute a <br> Portfolio or limit its availability to subsequent Premium payments and/or <br> transfers of Cash Value.<br>Transfers. We may limit the number of transfers among the Investment <br> Divisions and the Fixed Account to no more than four per Policy year. We <br> may impose a processing charge of $25 for each transfer. We may also <br> impose restrictions on frequent transfers. We are not currently imposing <br> the maximum limit on transfers and withdrawals from the Fixed Account, <br> but we reserve the right to do so. | &nbsp;&nbsp; **The Company, The** <br> **Separate Account** <br> **and The Portfolios**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Charges - Transfer** <br> **Charge**<br>|
| **Optional Benefits** | &nbsp;&nbsp; Various optional benefits may be available in the form of a rider to your <br> Policy. Not all of these riders may be available to you. In general, <br> supplemental insurance benefits may be (i) available only to insureds <br> within certain age ranges and/or who meet certain criteria (e.g., terminal <br> illness) (ii) subject to minimum and/or maximum specified amounts, and <br> (iii) subject to certain termination conditions. We may stop offering an <br> optional benefit at any time. | &nbsp;&nbsp; **Other Benefits** <br> **Available Under the** <br> **Policy**<br>|
|  | **Taxes** |  |
| **Tax Implications** | &nbsp;&nbsp; You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the <br> Policy. Please note that there is no additional tax benefit to you if the <br> Policy is purchased through a tax-qualified plan. Withdrawals will be <br> subject to ordinary income tax and may be subject to tax penalties. | **Tax Considerations** |

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| | | |
|:---|:---|:---|
|  | **Conflict of Interest** |  |
| **Investment**<br> **Professional**<br> **Compensation**<br>| &nbsp;&nbsp; All firms selling the Policy receive commissions. The portion of the <br> commission payments that selling firms pass on to their sales <br> representatives is determined in accordance with their internal <br> compensation programs. A selling firm, or a sales representative of a <br> selling firm, may receive different compensation for selling one product <br> over another and may have a financial incentive to offer or recommend <br> the Policy over another investment. Apart from the payment of <br> commissions, selling firms may receive additional compensation, <br> including marketing allowances, introduction fees, persistency <br> payments, preferred status fees and industry conference fees. | &nbsp;&nbsp; **Distribution of the** <br> **Policies**<br>|
| **Exchanges** | &nbsp;&nbsp; In general, sales representatives may have a financial incentive to offer <br> you a new insurance policy in place of the policy you already own. You <br> should exchange your Policy only if you determine, after comparing the <br> features, fees, and risks of both policies, that it is preferable for you to <br> purchase the new policy rather than continue to own the existing Policy. | &nbsp;&nbsp; **Distribution of the** <br> **Policies**<br>|

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**APPENDIX B**

**PORTFOLIOS AVAILABLE UNDER THE POLICY**

The following is a list of Portfolios available under the 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 https://dfinview.com/BHF/PUFT/BHF204. You can also request this information at no cost by calling our TeleService Center at (800) 882-1292 or by sending an email request to rcg@brighthousefinancial.com.

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 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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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks growth of capital. | &nbsp;&nbsp; American Funds Growth <br> Fund — Class 2<br> *Capital Research and* <br> *Management Company*<sup>SM</sup><br>| 0.58% | 20.24% | 13.37% | 17.97% |
| Seeks long-term growth of <br> capital and income.<br>| &nbsp;&nbsp; American Funds <br> Growth-Income Fund — <br>Class 2<br> *Capital Research and* <br> *Management Company*<sup>SM</sup><br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; American Funds <br> SMALLCAP World Fund<sup>®</sup> <br>— Class 2<sup>1</sup>#<br> *Capital Research and* <br> *Management Company*<sup>SM</sup><br>| 0.90% | 14.64% | 0.49% | 7.23% |
| Seeks as high a level of <br> current income as is <br> consistent with the <br> preservation of capital.<br>| &nbsp;&nbsp; American Funds The Bond <br> Fund of America — <br>Class 2#<br> *Capital Research and* <br> *Management Company*<sup>SM</sup><br>| 0.47% | 7.26% | -0.14% | 2.36% |
| Seeks capital appreciation <br> and current income.<br>| &nbsp;&nbsp; AB Global Dynamic <br> Allocation Portfolio — <br>Class B\*<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser:* <br> *AllianceBernstein L.P.*<br>| 0.92% | 11.56% | 3.05% | 4.77% |
| Seeks growth of capital. | &nbsp;&nbsp; American Funds<sup>®</sup> <br> Aggressive Allocation <br>Portfolio — Class B‡<br> *Brighthouse Investment* <br> *Advisers, LLC*<br>| 0.69% | 20.32% | 9.62% | 11.22% |
| Seeks a balance between <br> a high level of current <br> income and growth of <br> capital, with a greater <br> emphasis on growth of <br> capital.<br>| &nbsp;&nbsp; American Funds<sup>®</sup> <br> Balanced Allocation <br>Portfolio — Class B‡<br> *Brighthouse Investment* <br> *Advisers, LLC*<br>| 0.66% | 17.35% | 7.60% | 9.31% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks a high total return in <br> the form of income and <br> growth of capital, with a <br> greater emphasis on <br> income.<br>| &nbsp;&nbsp; American Funds<sup>®</sup> <br> Moderate Allocation <br>Portfolio — Class B‡<br> *Brighthouse Investment* <br> *Advisers, LLC*<br>| 0.65% | 14.78% | 6.01% | 7.61% |
| Seeks capital appreciation <br> and current income.<br>| &nbsp;&nbsp; BlackRock Global Tactical <br> Strategies Portfolio — <br>Class B#\*<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: BlackRock* <br> *Financial Management,* <br> *Inc.*<br>| 0.94% | 11.44% | 3.54% | 5.10% |
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset <br> Allocation 100 Portfolio — <br>Class A‡<br> *Brighthouse Investment* <br> *Advisers, LLC*<br>| 0.71% | 17.41% | 8.91% | 10.97% |
| Seeks a balance between <br> a high level of current <br> income and growth of <br> capital, with a greater <br> emphasis on growth of <br> capital.<br>| &nbsp;&nbsp; Brighthouse Balanced Plus <br> Portfolio — Class B\*<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Overlay* <br> *Portion: Pacific Investment* <br> *Management Company* <br> *LLC*<br>| 1.17% | 11.95% | 1.31% | 5.83% |
| Seeks current income with <br> capital appreciation and <br> growth of income.<br>| &nbsp;&nbsp; Brighthouse/Templeton <br> International Bond <br>Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Franklin* <br> *Advisers, Inc.*<br>| 0.69% | 16.64% | -0.44% | -0.39% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Brighthouse/Wellington <br> Large Cap Research <br>Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Wellington* <br> *Management Company* <br> *LLP*<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Seeks total return through <br> investment in real estate <br> securities, emphasizing <br> both capital appreciation <br> and current income.<br>| &nbsp;&nbsp; CBRE Global Real Estate <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: CBRE* <br> *Investment Management* <br> *Listed Real Assets LLC*<br>| 0.66% | 7.11% | 4.30% | 4.22% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Harris Oakmark <br> International Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Harris* <br> *Associates L.P.*<br>| 0.72% | 33.17% | 6.72% | 7.01% |
| Seeks total return. | &nbsp;&nbsp; Invesco Balanced-Risk <br> Allocation Portfolio — <br>Class B#\*<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Invesco* <br> *Advisers, Inc.*<br>| 0.97% | 13.14% | 3.77% | 5.80% |
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco Global Equity <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Invesco* <br> *Advisers, Inc.*<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Invesco Small Cap Growth <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Invesco* <br> *Advisers, Inc.*<br>| 0.74% | 6.17% | -0.66% | 9.27% |
| Seeks capital appreciation <br> and current income.<br>| &nbsp;&nbsp; JPMorgan Global Active <br> Allocation Portfolio — <br>Class B#\*<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: J.P. Morgan* <br> *Investment Management* <br> *Inc.*<br>| 0.98% | 13.92% | 3.68% | 5.77% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; JPMorgan Small Cap Value <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: J.P. Morgan* <br> *Investment Management* <br> *Inc.*<br>| 0.79% | 12.48% | 9.93% | 9.09% |
| Seeks high total <br> investment return through <br> a combination of capital <br> appreciation and income.<br>| &nbsp;&nbsp; Loomis Sayles Global <br> Allocation Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company, L.P.*<br>| 0.79% | 12.94% | 6.52% | 9.50% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Loomis Sayles Growth <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company, L.P.*<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| Seeks a balance between <br> growth of capital and <br> current income, with a <br> greater emphasis on <br> growth of capital.<br>| &nbsp;&nbsp; MetLife Multi-Index <br> Targeted Risk Portfolio — <br>Class B\*<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Overlay* <br> *Portion: MetLife* <br> *Investment Management,* <br> *LLC*<br>| 0.62% | 9.08% | 2.93% | 5.31% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Research <br> International Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser:* <br> *Massachusetts Financial* <br> *Services Company*<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Seeks capital appreciation. | &nbsp;&nbsp; Morgan Stanley Discovery <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Morgan* <br> *Stanley Investment* <br> *Management Inc.*<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| Seeks total return. | &nbsp;&nbsp; PanAgora Global <br> Diversified Risk <br>Portfolio — Class B#\*<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: PanAgora* <br> *Asset Management, Inc.*<br>| 1.01% | 19.84% | 0.66% | 5.01% |
| Seeks maximum real <br> return, consistent with <br> preservation of capital and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Inflation Protected <br> Bond Portfolio — Class A<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Pacific* <br> *Investment Management* <br> *Company LLC*<br>| 1.13% | 7.93% | 1.40% | 3.35% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks maximum total <br> return, consistent with the <br> preservation of capital and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Pacific* <br> *Investment Management* <br> *Company LLC*<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Seeks capital appreciation <br> and current income.<br>| &nbsp;&nbsp; Schroders Global <br> Multi-Asset Portfolio — <br>Class B#\*<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Schroder* <br> *Investment Management* <br> *North America Inc.*<br>| 0.96% | 9.85% | 4.28% | 5.28% |
| Seeks to provide total <br> return, primarily through <br> capital appreciation.<br>| &nbsp;&nbsp; State Street Emerging <br> Markets Enhanced Index <br>Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc*<br>| 0.55% | 34.45% | 6.31% |  |
| Seeks growth of capital <br> and income.<br>| &nbsp;&nbsp; State Street Moderate ETF <br> Portfolio — Class A‡<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc.*<br>| 0.50% | 17.09% | 7.46% | 8.13% |
| Seeks growth of capital. | &nbsp;&nbsp; State Street Moderately <br> Aggressive ETF <br>Portfolio — Class A‡<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc.*<br>| 0.53% | 19.53% | 9.28% | 9.58% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; T. Rowe Price Mid Cap <br> Growth Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: T. Rowe Price* <br>*Associates, Inc.*<br> *Sub-Subadviser: T. Rowe* <br> *Price Investment* <br> *Management, Inc.*<br>| 0.70% | 3.75% | 4.08% | 10.05% |

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; Brighthouse/Artisan Mid <br> Cap Value Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Artisan* <br> *Partners Limited* <br> *Partnership*<br>| 0.78% | 1.82% | 7.04% | 8.32% |
| Seeks long-term capital <br> appreciation with some <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington <br> Balanced Portfolio — <br>Class A<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Wellington* <br> *Management Company* <br> *LLP*<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| Seeks to provide a <br> growing stream of income <br> over time and, secondarily, <br> long-term capital <br> appreciation and current <br> income.<br>| &nbsp;&nbsp; Brighthouse/Wellington <br> Core Equity Opportunities <br>Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Wellington* <br> *Management Company* <br> *LLP*<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| Seeks maximum capital <br> appreciation.<br>| &nbsp;&nbsp; Frontier Mid Cap Growth <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Frontier* <br> *Capital Management* <br> *Company, LLC*<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Jennison Growth <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Jennison* <br> *Associates LLC*<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Seeks long-term capital <br> growth from investments <br> in common stocks or other <br> equity securities.<br>| &nbsp;&nbsp; Loomis Sayles Small Cap <br> Core Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company, L.P.*<br>| 0.90% | 5.29% | 7.44% | 9.43% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; Loomis Sayles Small Cap <br> Growth Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company, L.P.*<br>| 0.89% | 4.03% | 2.54% | 10.12% |
| Seeks to track the <br> performance of the <br> Bloomberg U.S. Aggregate <br> Bond Index.<br>| &nbsp;&nbsp; MetLife Aggregate Bond <br> Index Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: MetLife* <br> *Investment Management,* <br> *LLC*<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| Seeks to track the <br> performance of the <br> Standard & Poor's MidCap <br> 400<sup>®</sup> Composite Stock <br> Price Index.<br>| &nbsp;&nbsp; MetLife Mid Cap Stock <br> Index Portfolio — Class A<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: MetLife* <br> *Investment Management,* <br> *LLC*<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| Seeks to track the <br> performance of the MSCI <br> EAFE<sup>®</sup> Index.<br>| &nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index <br> Portfolio — Class A<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: MetLife* <br> *Investment Management,* <br> *LLC*<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| Seeks to track the <br> performance of the Russell <br> 2000<sup>®</sup> Index.<br>| &nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> <br> Index Portfolio — Class A<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: MetLife* <br> *Investment Management,* <br> *LLC*<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| Seeks to track the <br> performance of the <br> Standard & Poor's 500<sup>®</sup> <br> Composite Stock Price <br> Index.<br>| &nbsp;&nbsp; MetLife Stock Index <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: MetLife* <br> *Investment Management,* <br> *LLC*<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| Seeks a favorable total <br> return through investment <br> in a diversified portfolio.<br>| &nbsp;&nbsp; MFS<sup>®</sup> Total Return <br> Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser:* <br> *Massachusetts Financial* <br> *Services Company*<br>| 0.62% | 11.11% | 6.42% | 7.65% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio — <br> Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser:* <br> *Massachusetts Financial* <br> *Services Company*<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| Seeks high total return, <br> consisting principally of <br> capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman <br> Genesis Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Neuberger* <br> *Berman Investment* <br> *Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap <br> Growth Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; T. Rowe Price Small Cap <br> Growth Portfolio — <br>Class A<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| Seeks long-term capital <br> appreciation with income <br> as a secondary <br> consideration.<br>| &nbsp;&nbsp; VanEck Global Natural <br> Resources Portfolio — <br>Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Van Eck* <br> *Associates Corporation*<br>| 0.77% | 36.78% | 10.65% | 8.79% |
| Seeks to maximize total <br> return consistent with <br> preservation of capital.<br>| &nbsp;&nbsp; Western Asset <br> Management Strategic <br> Bond Opportunities <br>Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Western Asset* <br> *Management Company* <br> *LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | **Current Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks to maximize total <br> return consistent with <br> preservation of capital and <br> maintenance of liquidity.<br>| &nbsp;&nbsp; Western Asset <br> Management <br> U.S. Government <br>Portfolio — Class A#<br> *Brighthouse Investment* <br>*Advisers, LLC*<br> *Subadviser: Western Asset* <br> *Management Company* <br> *LLC*<br>| 0.50% | 7.07% | 0.59% | 1.82% |
| Seeks to maximize income <br> while maintaining <br> prospects for capital <br> appreciation.<br>| &nbsp;&nbsp; Franklin Income VIP <br> Fund — Class 2<br> *Franklin Advisers, Inc.*<br>| 0.72% | 12.56% | 7.66% | 7.30% |
| Seeks capital appreciation, <br> with income as a <br> secondary goal.<br>| &nbsp;&nbsp; Franklin Mutual Shares VIP <br> Fund — Class 2<br> *Franklin Mutual Advisers,* <br> *LLC*<br>| 0.94% | 11.52% | 9.20% | 7.53% |

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

‡

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

\*

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

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

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The prospectus and statement of additional information ("SAI") include additional information. [The prospectus and SAI](https://www.sec.gov/Archives/edgar/data/1350943/000119312526152547/d924542d485bpos.htm)[are dated the same as this summary prospectus and are incorporated by reference.](https://www.sec.gov/Archives/edgar/data/1350943/000119312526152547/d924542d485bpos.htm) The prospectus and SAI are available, without charge, upon request. For a free copy of the SAI, call us at (800) 882-1292, or send an email request to rcg@brighthousefinanical.com. You can also access the prospectus, SAI and other information about the Policy at https://dfinview.com/BHF/PUFT/BHF204.

Reports and other information about BLIC are available on the SEC's website at https://www.sec.gov and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

The EDGAR contract identifier for the Policy is C000151829.

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