# EDGAR Filing Document

**Accession Number:** 0000737026
**File Stem:** 0001193125-26-156087
**Filing Date:** 2026-4
**Character Count:** 35909
**Document Hash:** 72e6aa70034d932f0ee29d4c590cad5c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-156087.hdr.sgml**: 20260415

**ACCESSION NUMBER**: 0001193125-26-156087

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260415

**DATE AS OF CHANGE**: 20260415

**EFFECTIVENESS DATE**: 20260415

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Brighthouse Fund UL for Variable Life Insurance
- **CENTRAL INDEX KEY:** 0000737026

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-152217
- **FILM NUMBER:** 26862662

**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 OF CT FUND UL FOR VARIABLE LIFE INSURANCE
- **DATE OF NAME CHANGE:** 20060811

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** METLIFE OF CT FUND UL FOR VARIABLE LIFE ISNRAUNCE
- **DATE OF NAME CHANGE:** 20060609

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** METLIFE OF CT FUND UL FOR VARIABLE LIFE INSURANCE
- **DATE OF NAME CHANGE:** 20060609

## Series and Classes Contracts Data

### Brighthouse Fund UL for Variable Life Insurance (Series ID: S000004236)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000068773 | VintageLife  |  |

![](g368658bhouse_logo.jpg)

**VintageLife**<sup>SM</sup>

**ISSUED BY**

**BRIGHTHOUSE LIFE INSURANCE COMPANY**

**and**

**Brighthouse Fund UL for Variable Life Insurance**

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

**Disclosure Notice**

**April 27, 2026**

**A Modified Single Premium Variable Life Insurance Policy** <br>

This Disclosure Notice provides certain updated information about your VintageLife<sup>SM</sup> Variable Life Insurance Policy, a modified single premium variable life insurance policy (the "Policy") issued by Brighthouse Life Insurance Company (the "Company", or "We," "Us," or "Our"). The Policy is no longer available for purchase.

Updated financial statements for the Company and Brighthouse Fund UL for Variable Life Insurance (the "Separate Account") are available free of charge at https://dfinview.com/BHF/PUFT/BHF91. The Policy prospectus, dated May 2, 2005, as supplemented, is available and contains more information about the Policy, including its features, benefits, and risks. You can 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 Policies or determined if this Disclosure Notice 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;

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| | |
|:---|:---|
|  | **Page** |
| [Glossary](#xx_bb2f327c-f506-4a8d-a81a-427696384305_1) | 3  |
| [Updated Information You Should Consider About the Policy](#xx_bb2f327c-f506-4a8d-a81a-427696384305_1) | 3  |
| [Important Information You Should Consider About The Policy](#xx_a5d37eab-ec76-4430-97ac-1ce2d8b9c6aa_1) | 5  |
| [Appendix A:](#xx_35183d53-5b70-46a2-a63c-a734b95df5c4_2)[Funds Available Under The Policy](#xx_35183d53-5b70-46a2-a63c-a734b95df5c4_2) | A-1 |

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***Glossary***

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**Cash Surrender Value** — the Cash Value less any Outstanding Loans and applicable surrender charges.

**Cash Value** — the sum of the accumulated value held in the Investment Options plus the Loan Account value.

**Cost of Insurance Charge** — a charge that reflects the anticipated mortality of the Insured.

**Death Benefit** — the amount payable to the Beneficiary if this Policy is in force upon the death of the Insured.

**Fund** — a registered open-end management investment company or a series thereof that corresponds to an Investment Option. Each Investment Option invests directly in a mutual fund of the same name.

**General Account** — an account that consists of the Company's assets other than those held in any separate account.

**Insured** — the person whose life is insured under the Policy.

**Investment Options** — the segments of the Separate Account to which you may allocate Premium Payments or Cash Value. Each Investment Option invests directly in a corresponding mutual fund.

**Monitored Portfolios** — Certain Funds on which we monitor transfer activity. We may change the Monitored Portfolios at any time without notice in our sole discretion.

**Monthly Deduction Amount** — the amount of charges deducted from the Policy's Cash Value, which includes cost of insurance charges, administrative charges, and any charges for benefits associated with any Rider(s).

**Policy** — VintageLife, a modified single premium life insurance policy.

**Policy Month** — twelve one-month periods during the Policy Year, each of which begins on the Policy Date or the Deduction Day.

**Policy Year** — each successive twelve-month period; the first beginning with the Policy Date.

**Premium Payment** — the amounts you send us to be applied to your Policy.

**Rider** — a supplemental insurance benefit offered under the Policy.

**Stated Amount** — the amount selected by the Policy Owner used to determine the Death Benefit, which may be increased or decreased as described in the Policy.

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

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The information in this section is a summary of certain Policy features that have changed since the Disclosure Notice dated April 28, 2025. This does 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.

***Additional Information Regarding Funds***

Certain Funds were subject to a name or other change. The chart below describes these changes in more detail.

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**Trust/Fund Reorganization**

The following Former Fund of the Former Trust has been reorganized into a corresponding New Fund of the New Trust.

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| | |
|:---|:---|
| **Former Trust/Fund** | **New Trust/Fund** |
| **Legg Mason Partners Variable Equity Trust** | **Lincoln Variable Insurance Products Trust** |
| &nbsp;&nbsp;&nbsp; ClearBridge Variable Large Cap Value Portfolio | &nbsp;&nbsp;&nbsp; LVIP ClearBridge Large Cap Value Fund |

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***Policy Requests and Transactions***

The telephone numbers and the addresses of our service center changed effective January 20, 2026. The telephone numbers and the addresses to be used for all inquiries, requests and payments are shown below.

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| | |
|:---|:---|
| Telephone<br> Fax <br>| (800) 882-1292<br> (877) 246-8424<br>|
| General correspondence and servicing requests | &nbsp;&nbsp; Brighthouse Life Insurance Company<br> P.O. Box 4301<br> Clinton, IA 52733-4301<br>|
| Loan and premium payments | &nbsp;&nbsp; Brighthouse Life Insurance Company<br> P.O. Box 956067<br> St. Louis, MO 63195-6067<br>|
| Claims | &nbsp;&nbsp; Brighthouse Life Insurance Company<br> P.O. Box 4330<br> Clinton, IA 52733-4330<br>|

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***Transfers***

**Monitored Portfolios.** We monitor transfer activity in the following Funds for purposes of imposing our restrictions on frequent transfers.

Invesco Small Cap Growth Portfolio

MFS® Research International Portfolio

Western Asset Core Plus VIT Portfolio

Western Asset Management Strategic Bond Opportunities Portfolio

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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 nine Policy Years, or during the first nine Policy Years <br> following an increase in Stated Amount, you fully or partially surrender <br> your Policy, reduce the Stated Amount, or make a change in Death <br> Benefit option that reduces the Stated Amount, or your Policy lapses, <br> then we will deduct a surrender charge from the Cash Value. The <br> maximum surrender charge will not be greater than 7.5% of the <br> Premium Payments made within the two prior Policy Years. For example, <br> if you made a Premium Payment of $100,000 and you surrendered the <br> Policy within the following two Policy Years, you could pay a surrender <br> charge of up to $7,500.00. | &nbsp;&nbsp; If, during the first nine Policy Years, or during the first nine Policy Years <br> following an increase in Stated Amount, you fully or partially surrender <br> your Policy, reduce the Stated Amount, or make a change in Death <br> Benefit option that reduces the Stated Amount, or your Policy lapses, <br> then we will deduct a surrender charge from the Cash Value. The <br> maximum surrender charge will not be greater than 7.5% of the <br> Premium Payments made within the two prior Policy Years. For example, <br> if you made a Premium Payment of $100,000 and you surrendered the <br> Policy within the following two Policy Years, you could pay a surrender <br> charge of up to $7,500.00. | &nbsp;&nbsp; If, during the first nine Policy Years, or during the first nine Policy Years <br> following an increase in Stated Amount, you fully or partially surrender <br> your Policy, reduce the Stated Amount, or make a change in Death <br> Benefit option that reduces the Stated Amount, or your Policy lapses, <br> then we will deduct a surrender charge from the Cash Value. The <br> maximum surrender charge will not be greater than 7.5% of the <br> Premium Payments made within the two prior Policy Years. For example, <br> if you made a Premium Payment of $100,000 and you surrendered the <br> Policy within the following two Policy Years, you could pay a surrender <br> charge of up to $7,500.00. | &nbsp;&nbsp; **Fee Tables**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Policy Charges and** <br> **Deductions –** <br> **Surrender Charges** <br>|
| **Transaction** <br> **Charges**<br>| &nbsp;&nbsp; In addition to surrender charges, you may also be charged for other <br> transactions. These charges include a state premium tax charge and a <br> charge for requested decreases in Stated Amount. | &nbsp;&nbsp; In addition to surrender charges, you may also be charged for other <br> transactions. These charges include a state premium tax charge and a <br> charge for requested decreases in Stated Amount. | &nbsp;&nbsp; In addition to surrender charges, you may also be charged for other <br> transactions. These charges include a state premium tax charge and a <br> charge for requested decreases in Stated Amount. | &nbsp;&nbsp; **Fee Tables**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Policy Charges and** <br> **Deductions –** <br> **Charges Against** <br> **Premium; Charges** <br> **Against Cash Value**<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 administrative expense charge, a <br> mortality and expense risk charge, and a Policy loan cost. Certain of <br> these ongoing charges vary in amount depending on the Insured's Age, <br> risk class, and (except for unisex Policies) sex. You should view the <br> Policy Summary page of your Policy for the specific charges applicable <br> 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 Funds under the Policy, <br> 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 administrative expense charge, a <br> mortality and expense risk charge, and a Policy loan cost. Certain of <br> these ongoing charges vary in amount depending on the Insured's Age, <br> risk class, and (except for unisex Policies) sex. You should view the <br> Policy Summary page of your Policy for the specific charges applicable <br> 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 Funds under the Policy, <br> 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 administrative expense charge, a <br> mortality and expense risk charge, and a Policy loan cost. Certain of <br> these ongoing charges vary in amount depending on the Insured's Age, <br> risk class, and (except for unisex Policies) sex. You should view the <br> Policy Summary page of your Policy for the specific charges applicable <br> 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 Funds under the Policy, <br> as shown in the following table: | &nbsp;&nbsp; **Fee Tables**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Policy Charges and** <br> **Deductions –** <br> **Charges Against** <br> **Cash Value; Charges** <br> **Against the Separate** <br> **Account**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A: Funds** <br> **Available Under the** <br> **Policy *(located in*** <br> ***this Disclosure*** <br> ***Notice)*** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Fee Tables**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Policy Charges and** <br> **Deductions –** <br> **Charges Against** <br> **Cash Value; Charges** <br> **Against the Separate** <br> **Account**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A: Funds** <br> **Available Under the** <br> **Policy *(located in*** <br> ***this Disclosure*** <br> ***Notice)*** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Investment options<br> (Fund fees and expenses)<br>| 0.13% | 1.13% | &nbsp;&nbsp; **Fee Tables**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Policy Charges and** <br> **Deductions –** <br> **Charges Against** <br> **Cash Value; Charges** <br> **Against the Separate** <br> **Account**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Appendix A: Funds** <br> **Available Under the** <br> **Policy *(located in*** <br> ***this Disclosure*** <br> ***Notice)*** |
|  | **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; **Summary of** <br> **Principal Policy** <br> **Benefits and Risks –** <br> **Principal Policy** <br> **Risks**<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; **Summary of** <br> **Principal Policy** <br> **Benefits and Risks –** <br> **Principal Policy** <br> **Risks**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Policy Charges and** <br> **Deductions**<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 Funds). Each <br> investment option will have its own unique risks, and you should review <br> these investment options before making an investment decision. | &nbsp;&nbsp; **Description of the** <br> **Company, Separate** <br> **Account and Funds** <br> **– The Funds**<br>|
| **Insurance** <br> **Company Risks**<br>| &nbsp;&nbsp; An investment in the Policy is subject to the risks related to the <br> Company, including that any obligations, guarantees or benefits are <br> subject to the Company's claims-paying ability. More information about <br> the Company, including its financial strength ratings, is available upon <br> request by calling (888) 243-1968. | &nbsp;&nbsp; **Description of the** <br> **Company, Separate** <br> **Account and Funds** <br> **– The Insurance** <br> **Company**<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 Amount, your Policy will <br> be in default, and may lapse. Your Policy's Cash Surrender Value can be <br> impacted by poor investment performance of the Funds you select. Your <br> Policy may also lapse if Policy loans plus accrued interest exceed the <br> Policy's Cash Value less the surrender charge. Additionally, insufficient <br> Premium Payments, withdrawals and Policy charges (including increases <br> in those charges) could cause the Policy to lapse and you will no longer <br> have insurance coverage. If your Policy has lapsed, you may reinstate it <br> within three years from the date the last Monthly Deduction Amount was <br> paid. Reinstatement in all cases requires payment of certain charges <br> described in the Policy and usually requires evidence of insurability that <br> is satisfactory to us. A Death Benefit will not be paid if the Policy has <br> lapsed. | &nbsp;&nbsp; **Lapse and** <br> **Reinstatement**<br>|
|  | **RESTRICTIONS** |  |
| **Investments** | &nbsp;&nbsp; Availability of Funds. We reserve the right to remove or substitute a Fund <br> or limit its availability to subsequent Premium Payments and/or transfers <br> of Cash Value. | &nbsp;&nbsp; **Description of the** <br> **Company, Separate** <br> **Account and Funds** <br> **– The Funds**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; |
| **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, these <br> supplemental insurance benefits may be available only to Insureds <br> within certain age ranges and may be subject to certain limitations. We <br> may stop offering an optional benefit at any time. | &nbsp;&nbsp; **Other Benefits –** <br> **Riders** <br> **(Supplemental** <br> **Insurance Benefits)**<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. | &nbsp;&nbsp; **Federal Tax** <br> **Considerations**<br>|
|  | **CONFLICTS 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 &** <br> **Compensation**<br>|

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** |  |
| **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; **Other Benefits –** <br> **Exchange Option**<br>|

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***Appendix A***

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***Funds Available Under The Policy***

The following is a list of Funds available under the Policy. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF91. 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 Fund, 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 Fund'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*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset Allocation 100 <br> Portfolio — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.96% | 17.06% | 8.63% | 10.70% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Invesco Small Cap Growth Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.74% | 6.17% | -0.66% | 9.27% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS® Research International Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.81% | 22.41% | 5.54% | 7.57% |
| Seeks maximum real return, <br> consistent with preservation <br> of capital and prudent <br> investment management.<br>| &nbsp;&nbsp; PIMCO Inflation Protected Bond <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 1.13% | 7.93% | 1.40% | 3.35% |
| Seeks long-term capital <br> appreciation by investing in <br> common stocks believed to <br> be undervalued. Income is <br> a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value Portfolio <br> — Class E#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.68% | 12.16% | 10.39% | 10.20% |
| Seeks a competitive total <br> return primarily from <br> investing in fixed-income <br> securities.<br>| &nbsp;&nbsp; BlackRock Bond Income Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; BlackRock Capital Appreciation Portfolio <br> — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.56% | 13.19% | 11.07% | 15.80% |
| Seeks a high level of current <br> income consistent with <br> prudent investment risk and <br> preservation of capital.<br>| &nbsp;&nbsp; BlackRock Ultra-Short Term Bond <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Advisors, LLC*<br>| 0.37% | 4.15% | 3.09% | 2.10% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks a high level of current <br> income, with growth of <br> capital as a secondary <br> objective.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio <br> — Class B#‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.93% | 9.25% | 2.06% | 3.97% |
| Seeks high total return in <br> the form of income and <br> growth of capital, with a <br> greater emphasis on <br> income.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.91% | 11.50% | 3.84% | 5.69% |
| Seeks a balance between a <br> high level of current <br> income and growth of <br> capital, with a greater <br> emphasis on growth of <br> capital.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.91% | 13.77% | 5.55% | 7.47% |
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio <br> — Class B‡<br> *Brighthouse Investment Advisers, LLC*<br>| 0.93% | 15.63% | 7.18% | 9.22% |
| Seeks to provide a growing <br> stream of income over time <br> and, secondarily, long-term <br> capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| Seeks maximum capital <br> appreciation.<br>| &nbsp;&nbsp; Frontier Mid Cap Growth Portfolio — <br> Class D#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Frontier Capital Management* <br> *Company, LLC*<br>| 0.79% | 5.08% | 3.68% | 10.04% |
| Seeks a favorable total <br> return through investment <br> in a diversified portfolio.<br>| &nbsp;&nbsp; MFS® Total Return Portfolio — Class F#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.82% | 10.89% | 6.20% | 7.44% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS® Value Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| Seeks to maximize total <br> return consistent with <br> preservation of capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Western Asset Management* <br> *Company LLC*<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| Seeks a balance of growth <br> of capital and income.<br>| &nbsp;&nbsp; Franklin Multi-Asset Variable <br> Conservative Growth Fund — Class I‡<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: Franklin Advisers, Inc.*<br>| 0.59% | 12.76% | 6.69% | 7.70% |
| Seeks capital appreciation. | &nbsp;&nbsp; Franklin Multi-Asset Variable Growth <br> Fund — Class I‡<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: Franklin Advisers, Inc.*<br>| 0.78% | 16.56% | 11.01% | 10.59% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> (as of 12/31/2025) |
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **1**<br> **Year**<br>| &nbsp;&nbsp; **5**<br> **Year**<br>| &nbsp;&nbsp; **10**<br> **Year**<br>|
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Franklin Multi-Asset Variable Moderate <br> Growth Fund — Class I#‡<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: Franklin Advisers, Inc.*<br>| 0.76% | 14.86% | 9.31% | 9.45% |
| Seeks to maximize total <br> return, consistent with <br> prudent investment <br> management and liquidity <br> needs, by investing to <br> obtain a dollar weighted <br> average effective duration <br> that is normally within 30% <br> of the average duration of <br> the domestic bond market <br> as a whole.<br>| &nbsp;&nbsp; Western Asset Core Plus VIT Portfolio — <br> Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadvisers: Western Asset Management* <br> *Company, LLC; Western Asset* <br> *Management Company Limited; Western* <br> *Asset Management Company Ltd;* <br> *Western Asset Management Company* <br> *Pte. Ltd.*<br>| 0.54% | 7.75% | -1.44% | 2.11% |
| Seeks long-term growth of <br> capital as its primary <br> objective. Current income <br> is a secondary objective.<br>| &nbsp;&nbsp; LVIP ClearBridge Large Cap Value Fund <br> — Class I#†<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.72% | 10.20% | 10.11% | 10.01% |
| Seeks to track the <br> performance of a <br> benchmark index that <br> measures the investment <br> return of mid-capitalization <br> stocks.<br>| &nbsp;&nbsp; Mid-Cap Index Portfolio<br> *Vanguard Portfolio Management*<br>| 0.17% | 11.54% | 8.46% | 10.77% |
| Seeks to track the <br> performance of a <br> benchmark index that <br> measures the investment <br> return of the overall stock <br> market.<br>| &nbsp;&nbsp; Total Stock Market Index Portfolio<br> *Vanguard Capital Management*<br>| 0.13% | 16.93% | 12.98% | 14.10% |

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Certain 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 Funds' prospectuses for additional information regarding these arrangements.

‡

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

†

Not available under all Policies. Availability depends on Policy issue date.

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The prospectus, as supplemented, and statement of additional information ("SAI") dated May 2, 2005 include additional information. The prospectus, as supplemented, and SAI are available, without charge, upon request. For a free copy, call us at (800) 882-1292 or send an email request to rcg@brighthousefinancial.com. You can also access other information about the Policy online at https://dfinview.com/BHF/PUFT/BHF91.

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

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The Financial Industry Regulatory Authority ("FINRA") provides background information about broker-dealers and their registered representatives through FINRA BrokerCheck. You may contact the FINRA BrokerCheck Hotline at (800) 289-9999, or log on to www.finra.org. An investor brochure that includes information describing FINRA BrokerCheck is available through the Hotline or on-line.

We are not a fiduciary and do not give advice or make recommendations regarding insurance or investment products. Ask your financial representative for guidance regarding any requests or elections and for information about your particular investment needs. Please bear in mind that your financial representative, or any financial firm or financial professional you consult to provide advice, is acting on your behalf. We are not a party to any agreement between you and your financial professional. We do not recommend and are not responsible for any securities transactions or investment strategies involving securities (including account recommendations).

EDGAR Contract Identifier No. is C000068773

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