# EDGAR Filing Document

**Accession Number:** 0000931779
**File Stem:** 0001193125-26-168845
**Filing Date:** 2026-4
**Character Count:** 54420
**Document Hash:** f8dc31765c423fc8dc13e3a3490ef411
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-168845.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-168845

**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:** NEW ENGLAND VARIABLE ANNUITY SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000931779

**ORGANIZATION NAME:**
- **EIN:** 042708937
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-51676
- **FILM NUMBER:** 26881408

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

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

## Series and Classes Contracts Data

### NEW ENGLAND VARIABLE ANNUITY SEPARATE ACCOUNT (Series ID: S000004925)

| Class ID   | Class Name                 | Ticker Symbol   |
|:---|:---|:---|
| C000013333 | American Forerunner Series |  |

![](g225820bhouse_logo.jpg)

**AMERICAN FORERUNNER SERIES**<sup>®</sup>

**Standard Class, B Plus Class, C Class, L Class, P Class**

issued by

**NEW ENGLAND LIFE INSURANCE COMPANY**

and

**NEW ENGLAND VARIABLE ANNUITY SEPARATE ACCOUNT**

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

**Updating Summary Prospectus**

**April 27, 2026** 

**Individual flexible premium variable annuity contracts**

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

The prospectus for the American Forerunner Series<sup>®</sup> (the "Contract"), an individual flexible premium variable annuity contract issued by New England Life Insurance Company ("NELICO", the "Company", or "we" or "us"), is available and contains more information about the Contract including its features, benefits, and risks. You can find the current prospectus and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF1. You can also obtain this information at no cost by calling 1-888-243-1932 or by sending an email request to rcg@brighthousefinancial.com.

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

When you purchased your Contract, you selected one of five Contract Classes: Standard Class, B Plus Class, C Class, L Class, or P Class. The Contract Classes have different Withdrawal Charges and Asset-Based Insurance Charges. If you selected the B Plus Class, we added a bonus amount to each purchase payment received in the first Contract Year. Expenses for a B Plus Class Contract may be higher than for another Contract Class or another variable annuity contract without bonuses. The amount of bonuses under a B Plus Class Contract may be more than offset by the higher fees and charges associated with the bonus.

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

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

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**TABLE OF CONTENTS**

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

---

| | |
|:---|:---|
|  | **PAGE** |
| [Glossary](#xx_7cf1f933-5537-4f49-b49b-33fd45097be0_1) | 3  |
| [Updated Information You Should Consider About the Contract](#xx_7cf1f933-5537-4f49-b49b-33fd45097be0_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_86381480-ea13-4242-9c9b-190cee676170_1) | 4  |
| [APPENDIX A:](#xx_6482a1a2-b6b8-4fe8-b8ed-1c62a5724ecf_2)[Investment Options Available Under the Contract](#xx_6482a1a2-b6b8-4fe8-b8ed-1c62a5724ecf_2) | A-1  |
| [APPENDIX B:](#xx_6f53e353-c7b7-457f-81d3-15b94af7669f_2)[Eligible Funds Available Under the Benefits Offered Under the Contract](#xx_6f53e353-c7b7-457f-81d3-15b94af7669f_2) | B-1  |

---

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**Glossary**

**Class**. A class of the Contract, either Standard Class, B Plus Class, C Class, L Class, or P Class. The Contract Classes have different Withdrawal Charges and Asset-Based Insurance Charges.

**Contract Year**. A twelve-month period beginning with the date shown on your Contract and with each anniversary thereafter.

**Eligible Fund**. A portfolio of an open-end management investment company that is registered with the Securities and Exchange Commission in which a subaccount invests. May also be referred to as "Portfolio Company."

**Fixed Account**. A part of the Company's general account to which you can allocate net purchase payments. The Fixed Account provides guarantees of principal and interest.

**Total Guaranteed Withdrawal Amount**. While a Lifetime Withdrawal Guarantee rider is in effect, we guarantee that you will receive a minimum amount over time. We refer to this minimum amount as the Total Guaranteed Withdrawal Amount. The initial Total Guaranteed Withdrawal Amount is equal to your initial purchase payment. We increase the Total Guaranteed Withdrawal Amount (up to a maximum of $10,000,000) by each additional purchase payment.

**Variable Account**. A separate investment account of the Company, the New England Variable Annuity Separate Account. The Variable Account is divided into subaccounts; each invests in shares of one Eligible Fund.

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

The information in this Updating Summary Prospectus is a summary of certain Contract 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 entered into your Contract.

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

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

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

**Eligible Fund Name Changes.** Certain Eligible Funds were subject to a name change. The chart below identifies the former name and new name of these Eligible Funds.

---

| | |
|:---|:---|
| **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 Growth ETF Portfolio | State Street Moderately Aggressive ETF Portfolio |
| SSGA Growth and Income ETF Portfolio | State Street Moderate ETF Portfolio |

---

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

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

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

**Fees, Expenses, and Adjustments** **Location in** **Prospectus** 

------

**Fees, Expenses, and Adjustments** **Location in** **Prospectus** 

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

**Restrictions** 

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

**Taxes** 

**Conflicts of Interest** 

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[THIS PAGE INTENTIONALLY LEFT BLANK]

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**APPENDIX A**

**Investment Options Available Under the Contract**

The following is a list of Eligible Funds under the Contract. More information about the Eligible Funds is available in the prospectuses for the Eligible Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF1. You can also request this information at no cost by calling 1-888-243-1932 or sending an email request to rcg@brighthousefinancial.com. Depending on the optional benefits you chose, you may not be able to invest in certain Eligible Funds. See Appendix B: Eligible Funds Available Under the Benefits Offered Under the Contract.

The availability of the Eligible Funds may vary depending on the selling firm through which your contract is sold. See Appendix H: State and Financial Intermediary Variations.

The current expenses and performance information below reflects fees and expenses of the Eligible Funds, but do not reflect the other fees and expenses that your Contract may charge, such as Platform Charges (also referred to as an additional Mortality and Expense Risk Charge in your Contract). Expenses would be higher and performance would be lower if these other charges were included. Each Eligible Fund's past performance is not necessarily an indication of future performance.

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks growth of <br> capital.<br>| American Funds <br> Growth Fund — <br>Class 2<br> *Capital Research and* <br> *Management* <br> *Company*<sup>SM</sup><br>| 0.58% | 0.25% | 0.83% | 20.24% | 13.37% | 17.97% |
| Seeks long-term <br> growth of capital and <br> income.<br>| American Funds <br> Growth-Income <br>Fund — Class 2<br> *Capital Research and* <br> *Management* <br> *Company*<sup>SM</sup><br>| 0.53% | 0.25% | 0.78% | 18.06% | 13.90% | 13.92% |
| Seeks long-term <br> growth of capital.<br>| American Funds <br> SMALLCAP World <br>Fund<sup>®</sup> — Class 2<sup>1</sup>#<br> *Capital Research and* <br> *Management* <br> *Company*<sup>SM</sup><br>| 0.90% | 0.25% | 1.15% | 14.64% | 0.49% | 7.23% |
| Seeks as high a level <br> of current income as <br> is consistent with the <br> preservation of <br> capital.<br>| American Funds The <br> Bond Fund of <br>America — Class 2#<br> *Capital Research and* <br> *Management* <br> *Company*<sup>SM</sup> <br>| 0.47% | 0.25% | 0.72% | 7.26% | -0.14% | 2.36% |
| Seeks capital <br> appreciation and <br> current income.<br>| AB Global Dynamic <br> Allocation Portfolio — <br>Class B\*<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *AllianceBernstein L.P.*<br>| 0.92% |  | 0.92% | 11.56% | 3.05% | 4.77% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks growth of <br> capital.<br>| American Funds<sup>®</sup> <br> Aggressive Allocation <br>Portfolio — Class C‡<br> *Brighthouse* <br> *Investment Advisers,* <br> *LLC*<br>| 0.99% |  | 0.99% | 19.90% | 9.30% | 10.88% |
| Seeks a balance <br> between a high level <br> of current income and <br> growth of capital, with <br> a greater emphasis on <br> growth of capital.<br>| American Funds<sup>®</sup> <br> Balanced Allocation <br>Portfolio — Class C‡<br> *Brighthouse* <br> *Investment Advisers,* <br> *LLC*<br>| 0.96% |  | 0.96% | 17.02% | 7.26% | 8.99% |
| Seeks a high total <br> return in the form of <br> income and growth of <br> capital, with a greater <br> emphasis on income.<br>| American Funds<sup>®</sup> <br> Moderate Allocation <br>Portfolio — Class C‡<br> *Brighthouse* <br> *Investment Advisers,* <br> *LLC*<br>| 0.95% |  | 0.95% | 14.46% | 5.71% | 7.30% |
| Seeks capital <br> appreciation and <br> current income.<br>| BlackRock Global <br> Tactical Strategies <br>Portfolio — Class B#\*<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *BlackRock Financial* <br> *Management, Inc.*<br>| 0.94% |  | 0.94% | 11.44% | 3.54% | 5.10% |
| Seeks growth of <br> capital.<br>| Brighthouse Asset <br> Allocation 100 <br>Portfolio — Class B‡<br> *Brighthouse* <br> *Investment Advisers,* <br> *LLC*<br>| 0.96% |  | 0.96% | 17.06% | 8.63% | 10.70% |
| Seeks a balance <br> between a high level <br> of current income and <br> growth of capital, with <br> a greater emphasis on <br> growth of capital.<br>| Brighthouse Balanced <br> Plus Portfolio — <br>Class B\*<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Overlay* <br> *Portion: Pacific* <br> *Investment* <br> *Management* <br> *Company LLC*<br>| 1.17% |  | 1.17% | 11.95% | 1.31% | 5.83% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks a high level of <br> current income, while <br> seeking preservation <br> of shareholders' <br> capital.<br>| Brighthouse/Franklin <br> Low Duration Total <br> Return Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Franklin* <br> *Advisers, Inc.*<br>| 0.75% |  | 0.75% | 5.25% | 2.14% | 2.23% |
| Seeks long-term <br> capital appreciation.<br>| Brighthouse/<br> Wellington Large Cap <br> Research Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Wellington* <br> *Management* <br> *Company LLP*<br>| 0.79% |  | 0.79% | 15.62% | 12.01% | 13.33% |
| Seeks total return <br> through investment in <br> real estate securities, <br> emphasizing both <br> capital appreciation <br> and current income.<br>| CBRE Global Real <br> Estate Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: CBRE* <br> *Investment* <br> *Management Listed* <br> *Real Assets LLC*<br>| 0.91% |  | 0.91% | 6.75% | 4.03% | 3.95% |
| Seeks long-term <br> capital appreciation.<br>| Harris Oakmark <br> International <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Harris* <br> *Associates L.P.*<br>| 0.97% |  | 0.97% | 32.78% | 6.46% | 6.74% |
| Seeks long-term <br> capital appreciation.<br>| Harris Oakmark <br> International <br>Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Harris* <br> *Associates L.P.*<br>| 0.87% |  | 0.87% | 32.98% | 6.56% | 6.84% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks total return. | Invesco Balanced-Risk <br> Allocation Portfolio — <br>Class B#\*<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Invesco* <br> *Advisers, Inc.*<br>| 0.97% |  | 0.97% | 13.14% | 3.77% | 5.80% |
| Seeks capital <br> appreciation.<br>| Invesco Global Equity <br> Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Invesco* <br> *Advisers, Inc.*<br>| 0.83% |  | 0.83% | 15.60% | 7.30% | 11.00% |
| Seeks long-term <br> growth of capital.<br>| Invesco Small Cap <br> Growth Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Invesco* <br> *Advisers, Inc.*<br>| 0.99% |  | 0.99% | 5.83% | -0.91% | 9.00% |
| Seeks capital <br> appreciation and <br> current income.<br>| JPMorgan Global <br> Active Allocation <br>Portfolio — Class B#\*<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: J.P.* <br> *Morgan Investment* <br> *Management Inc.*<br>| 0.98% |  | 0.98% | 13.92% | 3.68% | 5.77% |
| Seeks high total <br> investment return <br> through a combination <br> of capital appreciation <br> and income.<br>| Loomis Sayles Global <br> Allocation Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company,* <br> *L.P.*<br>| 1.04% |  | 1.04% | 12.59% | 6.25% | 9.22% |
| Seeks long-term <br> growth of capital.<br>| Loomis Sayles Growth <br> Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company,* <br> *L.P.*<br>| 0.80% |  | 0.80% | 14.90% | 14.77% | 13.91% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks long-term <br> growth of capital.<br>| Loomis Sayles Growth <br> Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company,* <br> *L.P.*<br>| 0.70% |  | 0.70% | 15.05% | 14.89% | 14.02% |
| Seeks a balance <br> between growth of <br> capital and current <br> income, with a greater <br> emphasis on growth <br> of capital.<br>| MetLife Multi-Index <br> Targeted Risk <br>Portfolio — Class B\*<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Overlay* <br> *Portion: MetLife* <br> *Investment* <br> *Management, LLC*<br>| 0.62% |  | 0.62% | 9.08% | 2.93% | 5.31% |
| Seeks capital <br> appreciation.<br>| MFS<sup>®</sup> Research <br> International <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *Massachusetts* <br> *Financial Services* <br> *Company*<br>| 0.81% |  | 0.81% | 22.41% | 5.54% | 7.57% |
| Seeks capital <br> appreciation.<br>| Morgan Stanley <br> Discovery Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Morgan* <br> *Stanley Investment* <br> *Management Inc.*<br>| 0.90% |  | 0.90% | 13.19% | -5.83% | 14.00% |
| Seeks total return. | PanAgora Global <br> Diversified Risk <br>Portfolio — Class B#\*<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: PanAgora* <br> *Asset Management,* <br> *Inc.*<br>| 1.01% |  | 1.01% | 19.84% | 0.66% | 5.01% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks maximum real <br> return, consistent with <br> preservation of capital <br> and prudent <br> investment <br> management.<br>| PIMCO Inflation <br> Protected Bond <br>Portfolio — Class B<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Pacific* <br> *Investment* <br> *Management* <br> *Company LLC*<br>| 1.38% |  | 1.38% | 7.74% | 1.15% | 3.09% |
| Seeks maximum total <br> return, consistent with <br> the preservation of <br> capital and prudent <br> investment <br> management.<br>| PIMCO Total Return <br> Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Pacific* <br> *Investment* <br> *Management* <br> *Company LLC*<br>| 0.83% |  | 0.83% | 8.90% | -0.07% | 2.30% |
| Seeks capital <br> appreciation and <br> current income.<br>| Schroders Global <br> Multi-Asset <br>Portfolio — Class B#\*<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Schroder* <br> *Investment* <br> *Management North* <br> *America Inc.*<br>| 0.96% |  | 0.96% | 9.85% | 4.28% | 5.28% |
| Seeks growth of <br> capital and income.<br>| State Street Moderate <br> ETF Portfolio — <br>Class B‡<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: SSGA* <br> *Funds Management,* <br> *Inc.*<br>| 0.75% |  | 0.75% | 16.78% | 7.19% | 7.85% |
| Seeks growth of <br> capital.<br>| State Street <br> Moderately Aggressive <br> ETF Portfolio — <br>Class B‡<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: SSGA* <br> *Funds Management,* <br> *Inc.*<br>| 0.78% |  | 0.78% | 19.23% | 9.01% | 9.31% |

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|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks long-term <br> growth of capital.<br>| T. Rowe Price Mid Cap <br> Growth Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: T. Rowe* <br>*Price Associates, Inc.*<br> *Sub-Subadviser: T.* <br> *Rowe Price* <br> *Investment* <br> *Management, Inc.*<br>| 0.95% |  | 0.95% | 3.42% | 3.83% | 9.77% |
| Seeks high total return <br> by investing in equity <br> securities of mid-sized <br> companies.<br>| Victory Sycamore Mid <br> Cap Value Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Victory* <br> *Capital Management* <br> *Inc.*<br>| 0.85% |  | 0.85% | 2.29% | 9.62% | 9.58% |
| Seeks a high level of <br> current income, <br> consistent with <br> preservation of <br> principal.<br>| Western Asset <br> Management <br> Government Income <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Western* <br> *Asset Management* <br> *Company LLC*<br>| 0.74% |  | 0.74% | 7.21% | -1.27% | 1.21% |
| Seeks long-term <br> growth of capital.<br>| Baillie Gifford <br> International Stock <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Baillie* <br> *Gifford Overseas* <br> *Limited*<br>| 0.99% |  | 0.99% | 18.96% | 0.70% | 7.34% |
| Seeks long-term <br> growth of capital.<br>| Baillie Gifford <br> International Stock <br>Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Baillie* <br> *Gifford Overseas* <br> *Limited*<br>| 0.89% |  | 0.89% | 19.13% | 0.80% | 7.45% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks a competitive <br> total return primarily <br> from investing in <br> fixed-income <br> securities.<br>| BlackRock Bond <br> Income Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *BlackRock Advisors,* <br> *LLC*<br>| 0.63% |  | 0.63% | 7.68% | -0.42% | 2.12% |
| Seeks long-term <br> growth of capital.<br>| BlackRock Capital <br> Appreciation <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *BlackRock Advisors,* <br> *LLC*<br>| 0.81% |  | 0.81% | 12.91% | 10.79% | 15.51% |
| Seeks long-term <br> growth of capital.<br>| BlackRock Capital <br> Appreciation <br>Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *BlackRock Advisors,* <br> *LLC*<br>| 0.71% |  | 0.71% | 13.02% | 10.90% | 15.63% |
| Seeks a high level of <br> current income <br> consistent with <br> prudent investment <br> risk and preservation <br> of capital.<br>| BlackRock Ultra-Short <br> Term Bond <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *BlackRock Advisors,* <br> *LLC*<br>| 0.62% |  | 0.62% | 3.89% | 2.83% | 1.85% |
| Seeks a high level of <br> current income, with <br> growth of capital as a <br> secondary objective.<br>| Brighthouse Asset <br> Allocation 20 <br>Portfolio — Class B#‡<br> *Brighthouse* <br> *Investment Advisers,* <br> *LLC*<br>| 0.93% |  | 0.93% | 9.25% | 2.06% | 3.97% |
| Seeks high total return <br> in the form of income <br> and growth of capital, <br> with a greater <br> emphasis on income.<br>| Brighthouse Asset <br> Allocation 40 <br>Portfolio — Class B‡<br> *Brighthouse* <br> *Investment Advisers,* <br> *LLC*<br>| 0.91% |  | 0.91% | 11.50% | 3.84% | 5.69% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks a balance <br> between a high level <br> of current income and <br> growth of capital, with <br> a greater emphasis on <br> growth of capital.<br>| Brighthouse Asset <br> Allocation 60 <br>Portfolio — Class B‡<br> *Brighthouse* <br> *Investment Advisers,* <br> *LLC*<br>| 0.91% |  | 0.91% | 13.77% | 5.55% | 7.47% |
| Seeks growth of <br> capital.<br>| Brighthouse Asset <br> Allocation 80 <br>Portfolio — Class B‡<br> *Brighthouse* <br> *Investment Advisers,* <br> *LLC*<br>| 0.93% |  | 0.93% | 15.63% | 7.18% | 9.22% |
| Seeks long-term <br> capital growth.<br>| Brighthouse/Artisan <br> Mid Cap Value <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Artisan* <br> *Partners Limited* <br> *Partnership*<br>| 1.03% |  | 1.03% | 1.57% | 6.77% | 8.05% |
| Seeks long-term <br> capital growth.<br>| Brighthouse/Artisan <br> Mid Cap Value <br>Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Artisan* <br> *Partners Limited* <br> *Partnership*<br>| 0.93% |  | 0.93% | 1.67% | 6.88% | 8.16% |
| Seeks long-term <br> capital appreciation <br> with some current <br> income.<br>| Brighthouse/<br> Wellington Balanced <br>Portfolio — Class B<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Wellington* <br> *Management* <br> *Company LLP*<br>| 0.77% |  | 0.77% | 12.38% | 7.18% | 9.14% |
| Seeks to provide a <br> growing stream of <br> income over time and, <br> secondarily, long-term <br> capital appreciation <br> and current income.<br>| Brighthouse/<br> Wellington Core Equity <br> Opportunities <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Wellington* <br> *Management* <br> *Company LLP*<br>| 0.87% |  | 0.87% | 7.54% | 8.02% | 10.45% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks to provide a <br> growing stream of <br> income over time and, <br> secondarily, long-term <br> capital appreciation <br> and current income.<br>| Brighthouse/<br> Wellington Core Equity <br> Opportunities <br>Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Wellington* <br> *Management* <br> *Company LLP*<br>| 0.77% |  | 0.77% | 7.65% | 8.13% | 10.56% |
| Seeks maximum <br> capital appreciation.<br>| Frontier Mid Cap <br> Growth Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Frontier* <br> *Capital Management* <br> *Company, LLC*<br>| 0.94% |  | 0.94% | 4.90% | 3.52% | 9.88% |
| Seeks long-term <br> growth of capital.<br>| Jennison Growth <br> Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Jennison* <br> *Associates LLC*<br>| 0.79% |  | 0.79% | 13.72% | 10.01% | 16.41% |
| Seeks long-term <br> growth of capital.<br>| Jennison Growth <br> Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Jennison* <br> *Associates LLC*<br>| 0.69% |  | 0.69% | 13.86% | 10.12% | 16.53% |
| Seeks long-term <br> capital growth from <br> investments in <br> common stocks or <br> other equity <br> securities.<br>| Loomis Sayles Small <br> Cap Core Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company,* <br> *L.P.*<br>| 1.15% |  | 1.15% | 5.02% | 7.17% | 9.15% |

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|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks long-term <br> capital growth from <br> investments in <br> common stocks or <br> other equity <br> securities.<br>| Loomis Sayles Small <br> Cap Core Portfolio — <br>Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company,* <br> *L.P.*<br>| 1.05% |  | 1.05% | 5.13% | 7.28% | 9.26% |
| Seeks long-term <br> capital growth.<br>| Loomis Sayles Small <br> Cap Growth <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Loomis,* <br> *Sayles & Company,* <br> *L.P.*<br>| 1.14% |  | 1.14% | 3.73% | 2.28% | 9.84% |
| Seeks to track the <br> performance of the <br> Bloomberg <br> U.S. Aggregate Bond <br> Index.<br>| MetLife Aggregate <br> Bond Index <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: MetLife* <br> *Investment* <br> *Management, LLC*<br>| 0.51% |  | 0.51% | 6.80% | -0.88% | 1.51% |
| Seeks to track the <br> performance of the <br> Standard & Poor's <br> MidCap 400<sup>®</sup> <br> Composite Stock Price <br> Index.<br>| MetLife Mid Cap Stock <br> Index Portfolio — <br>Class B<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: MetLife* <br> *Investment* <br> *Management, LLC*<br>| 0.55% |  | 0.55% | 6.86% | 8.54% | 10.16% |
| Seeks to track the <br> performance of the <br> MSCI EAFE<sup>®</sup> Index.<br>| MetLife MSCI EAFE<sup>®</sup> <br> Index Portfolio — <br>Class B<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: MetLife* <br> *Investment* <br> *Management, LLC*<br>| 0.62% |  | 0.62% | 30.70% | 8.35% | 7.76% |

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|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks to track the <br> performance of the <br> Russell 2000<sup>®</sup> Index.<br>| MetLife Russell <br> 2000<sup>®</sup> Index <br>Portfolio — Class B<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: MetLife* <br> *Investment* <br> *Management, LLC*<br>| 0.55% |  | 0.55% | 12.33% | 5.71% | 9.27% |
| Seeks to track the <br> performance of the <br> Standard & Poor's <br> 500<sup>®</sup> Composite <br> Stock Price Index.<br>| MetLife Stock Index <br> Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: MetLife* <br> *Investment* <br> *Management, LLC*<br>| 0.52% |  | 0.52% | 17.28% | 13.84% | 14.24% |
| Seeks a favorable <br> total return through <br> investment in a <br> diversified portfolio.<br>| MFS<sup>®</sup> Total Return <br> Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *Massachusetts* <br> *Financial Services* <br> *Company*<br>| 0.87% |  | 0.87% | 10.83% | 6.15% | 7.38% |
| Seeks capital <br> appreciation.<br>| MFS<sup>®</sup> Value <br> Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *Massachusetts* <br> *Financial Services* <br> *Company*<br>| 0.83% |  | 0.83% | 13.00% | 9.84% | 9.99% |
| Seeks capital <br> appreciation.<br>| MFS<sup>®</sup> Value <br> Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser:* <br> *Massachusetts* <br> *Financial Services* <br> *Company*<br>| 0.73% |  | 0.73% | 13.11% | 9.95% | 10.10% |

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|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks high total <br> return, consisting <br> principally of capital <br> appreciation.<br>| Neuberger Berman <br> Genesis Portfolio — <br>Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Neuberger* <br> *Berman Investment* <br> *Advisers LLC*<br>| 1.06% |  | 1.06% | -4.74% | 2.62% | 8.86% |
| Seeks high total <br> return, consisting <br> principally of capital <br> appreciation.<br>| Neuberger Berman <br> Genesis Portfolio — <br>Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Neuberger* <br> *Berman Investment* <br> *Advisers LLC*<br>| 0.96% |  | 0.96% | -4.64% | 2.71% | 8.97% |
| Seeks long-term <br> growth of capital.<br>| T. Rowe Price Large <br> Cap Growth <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: T. Rowe* <br> *Price Associates, Inc.*<br>| 0.81% |  | 0.81% | 15.45% | 9.37% | 14.10% |
| Seeks long-term <br> capital growth.<br>| T. Rowe Price Small <br> Cap Growth <br>Portfolio — Class B<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: T. Rowe* <br> *Price Associates, Inc.*<br>| 0.76% |  | 0.76% | 10.00% | 5.48% | 10.60% |
| Seeks to maximize <br> total return consistent <br> with preservation of <br> capital.<br>| Western Asset <br> Management <br> Strategic Bond <br> Opportunities <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Western* <br> *Asset Management* <br> *Company LLC*<br>| 0.82% |  | 0.82% | 8.88% | 1.17% | 3.77% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment** <br> **Objectives** | **Portfolio Company** <br> **and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** | **Platform** <br> **Charge§** | **Current** <br> **Expenses +** <br> **Platform** <br> **Charge** | **1**<br> **Year**<br>| **5**<br> **Year**<br>| **10**<br> **Year**<br>|
| Seeks to maximize <br> total return consistent <br> with preservation of <br> capital.<br>| Western Asset <br> Management <br> Strategic Bond <br> Opportunities <br>Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Western* <br> *Asset Management* <br> *Company LLC*<br>| 0.72% |  | 0.72% | 8.95% | 1.27% | 3.88% |
| Seeks to maximize <br> total return consistent <br> with preservation of <br> capital and <br> maintenance of <br> liquidity.<br>| Western Asset <br> Management <br> U.S. Government <br>Portfolio — Class B#<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Western* <br> *Asset Management* <br> *Company LLC*<br>| 0.75% |  | 0.75% | 6.81% | 0.35% | 1.57% |
| Seeks to maximize <br> total return consistent <br> with preservation of <br> capital and <br> maintenance of <br> liquidity.<br>| Western Asset <br> Management <br> U.S. Government <br>Portfolio — Class E†<br> *Brighthouse* <br> *Investment Advisers,* <br>*LLC*<br> *Subadviser: Western* <br> *Asset Management* <br> *Company LLC*<br>| 0.65% |  | 0.65% | 6.91% | 0.45% | 1.67% |

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§

We reserve the right to impose a Platform Charge on any Fund option that we add in the future, not to exceed an annual rate of 0.25%.

#

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

\*

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

‡

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

†

Class E shares of this portfolio are offered only for Contracts issued prior to May 1, 2004.

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

The following lists the Fixed Account option currently available under the Contract. The Fixed Account is not available to Contracts purchased after May 1, 2003 for which the C Class has been selected or for any Contracts which are purchased on or after that date in the state of New York if the GMIB I or GMIB II has been selected. The Fixed Account is also not available for Contracts purchased in the state of New York if the optional Guaranteed Withdrawal Benefit is selected. The Fixed Account is not available if the GMIB Plus I or GMAB is selected. The Fixed Account listed below will also be used if you participate in a

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dollar cost averaging program and instruct us to make transfers to or from the Fixed Account. We may change the features of the Fixed Account listed below, offer new Fixed Account investment options, and terminate existing Fixed Account investment options. We will provide you with written notice before doing so.

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

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**APPENDIX B**

**Eligible Funds Available Under the Benefits Offered Under the Contract**

If you have elected an optional benefit under the Contract, your Contract may be subject to investment allocation restrictions, as reflected below. See "THE CONTRACTS – Investment Allocation Restrictions for Certain Riders" in the prospectus for more details. If your optional benefit is not included below, your Contract is not currently subject to any investment allocation restrictions.

**Guaranteed Minimum Income Benefit Plus I or Lifetime Withdrawal Guarantee I**

If you choose GMIB Plus I or LWG I rider, until the rider terminates, we will require you to allocate your purchase payments and Contract Value solely among the following investment options:

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

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| |
|:---|
| AB Global Dynamic Allocation Portfolio |
| American Funds<sup>®</sup> Aggressive Allocation Portfolio |
| American Funds<sup>®</sup> Balanced Allocation Portfolio |
| American Funds<sup>®</sup> Moderate Allocation Portfolio |
| BlackRock Global Tactical Strategies Portfolio |
| BlackRock Ultra-Short Term Bond Portfolio |
| Brighthouse Asset Allocation 20 Portfolio |
| Brighthouse Asset Allocation 40 Portfolio |
| Brighthouse Asset Allocation 60 Portfolio |
| Brighthouse Asset Allocation 80 Portfolio |

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| |
|:---|
| Brighthouse Balanced Plus Portfolio |
| Invesco Balanced-Risk Allocation Portfolio |
| JPMorgan Global Active Allocation Portfolio |
| MetLife Aggregate Bond Index Portfolio |
| MetLife Multi-Index Targeted Risk Portfolio |
| PanAgora Global Diversified Risk Portfolio |
| Schroders Global Multi-Asset Portfolio |
| State Street Moderate ETF Portfolio |
| State Street Moderately Aggressive ETF Portfolio |
| Western Asset Management Government Income Portfolio |

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**Guaranteed Minimum Income Benefit Plus II, Lifetime Withdrawal Guarantee II, the Enhanced Death Benefit**

If you elect GMIB Plus II, the LWG II, or the Enhanced Death Benefit, you must comply with the following investment allocation restrictions. **You must allocate according to <u>either</u> (A) or (B) below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) You must allocate 100% of your purchase payments or Contract Value to the Fixed Account, and:

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

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| |
|:---|
| AB Global Dynamic Allocation Portfolio |
| American Funds<sup>®</sup> Aggressive Allocation Portfolio<sup>1</sup> <br>|
| American Funds<sup>®</sup> Balanced Allocation Portfolio |
| American Funds<sup>®</sup> Moderate Allocation Portfolio |
| BlackRock Global Tactical Strategies Portfolio |
| BlackRock Ultra-Short Term Bond Portfolio |
| Brighthouse Asset Allocation 20 Portfolio |
| Brighthouse Asset Allocation 40 Portfolio |
| Brighthouse Asset Allocation 60 Portfolio |

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| |
|:---|
| Brighthouse Asset Allocation 80 Portfolio<sup>1</sup> <br>|
| Brighthouse Balanced Plus Portfolio |
| Invesco Balanced-Risk Allocation Portfolio |
| JPMorgan Global Active Allocation Portfolio |
| MetLife Multi-Index Targeted Risk Portfolio |
| PanAgora Global Diversified Risk Portfolio |
| Schroders Global Multi-Asset Portfolio |
| State Street Moderate ETF Portfolio |
| State Street Moderately Aggressive ETF Portfolio<sup>1</sup> <br>|

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

(B) You must allocate *at least* 30% of purchase payments or Contract Value to Platform I Eligible Funds and/or to the Fixed Account; *up to 70%* of purchase payments or Contract Value to Platform 2 Eligible Funds; *up to 15%* of purchase payments or Contract Value to Platform 3 Eligible Funds; *and up to 15%* of purchase payments or Contract Value to Platform 4 Eligible Funds.

For Contracts issued based on applications and necessary information received at our Annuity Administrative Office in Good Order before the close of the New York Stock Exchange on May 1, 2009, the following investment allocation restrictions apply under option (B): you must allocate *at least* 15% of purchase payments or Contract Value to Platform 1 Eligible Funds and/or to the Fixed Account and you may allocate *up to* 85% of purchase payments or Contract Value to Platform 2 Eligible Funds (the percentages for Platforms 3 and 4 are the same as those listed above).

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| | |
|:---|:---|
| **Platform 1** | **Platform 2** |
| **A minimum of 30% of Purchase Payments or Account** <br> **Value**<br>| &nbsp;&nbsp; **A maximum of 70% of Purchase Payments or Account** <br> **Value**<br>|
| American Funds The Bond Fund of America | AB Global Dynamic Allocation Portfolio |
| BlackRock Bond Income Portfolio | American Funds Growth Fund |
| BlackRock Ultra-Short Term Bond Portfolio | American Funds Growth-Income Fund |
| Brighthouse/Franklin Low Duration Total Return Portfolio | Baillie Gifford International Stock Portfolio |
| MetLife Aggregate Bond Index Portfolio | BlackRock Capital Appreciation Portfolio |
| PIMCO Inflation Protected Bond Portfolio | BlackRock Global Tactical Strategies Portfolio |
| PIMCO Total Return Portfolio | Brighthouse Asset Allocation 100 Portfolio |
| Western Asset Management Government Income Portfolio | Brighthouse Balanced Plus Portfolio |
| Western Asset Management U.S. Government Portfolio | Brighthouse/Wellington Balanced Portfolio |
|  | Brighthouse/Wellington Core Equity Opportunities Portfolio |
|  | Brighthouse/Wellington Large Cap Research Portfolio |
|  | Harris Oakmark International Portfolio |
|  | Invesco Balanced-Risk Allocation Portfolio |
|  | Invesco Global Equity Portfolio |
|  | Jennison Growth Portfolio |
|  | Loomis Sayles Growth Portfolio |
|  | MetLife MSCI EAFE<sup>®</sup> Index Portfolio |
|  | MetLife Multi-Index Targeted Risk Portfolio |
|  | MetLife Stock Index Portfolio |
|  | MFS<sup>®</sup> Research International Portfolio |
|  | MFS<sup>®</sup> Total Return Portfolio |
|  | MFS<sup>®</sup> Value Portfolio |
|  | PanAgora Global Diversified Risk Portfolio |
|  | Schroders Global Multi-Asset Portfolio |
|  | T. Rowe Price Large Cap Growth Portfolio |

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

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| | |
|:---|:---|
| **Platform 3** | **Platform 4** |
| **A maximum of 15% of Purchase Payments or Account** <br> **Value**<br>| &nbsp;&nbsp; **A maximum of 15% of Purchase Payments or Account** <br> **Value**<br>|
| Brighthouse/Artisan Mid Cap Value Portfolio | American Funds SMALLCAP World Fund<sup>®</sup> |
| Frontier Mid Cap Growth Portfolio | CBRE Global Real Estate Portfolio |
| MetLife Mid Cap Stock Index Portfolio | Invesco Small Cap Growth Portfolio |
| Morgan Stanley Discovery Portfolio | Loomis Sayles Small Cap Core Portfolio |
| T. Rowe Price Mid Cap Growth Portfolio | Loomis Sayles Small Cap Growth Portfolio |
| Victory Sycamore Mid Cap Value Portfolio | MetLife Russell 2000<sup>®</sup> Index Portfolio |
|  | Neuberger Berman Genesis Portfolio |
|  | T. Rowe Price Small Cap Growth Portfolio |

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**Guaranteed Minimum Accumulation Benefit**

If you choose the Guaranteed Minimum Accumulation Benefit rider, until the rider terminates, we will require you to allocate your purchase payments and Contract Value solely to the following Eligible Funds:

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

Brighthouse Asset Allocation 40 Portfolio<br>

Brighthouse Asset Allocation 60 Portfolio<br>

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![](g225820bhouse_logo.jpg)

The prospectus and statement of additional information ("SAI") include additional information. [The prospectus and SAI](https://www.sec.gov/Archives/edgar/data/931779/000119312526165978/d203180d485bpos.htm)[are dated the same as the summary prospectus and are incorporated by reference](https://www.sec.gov/Archives/edgar/data/931779/000119312526165978/d203180d485bpos.htm). The prospectus and SAI are available, without charge, upon request. For a free copy, call us at 1-888-243-1932, or send an email request to rcg@brighthousefinancial.com. You can also access the prospectus, SAI and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF1.

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

EDGAR Contract Identifier No. is C000013333

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