# EDGAR Filing Document

**Accession Number:** 0001685040
**File Stem:** 0001685040-25-000055
**Filing Date:** 2025-9
**Character Count:** 25643
**Document Hash:** eaa2aa1a5260af0af36d6f32b2d3e9d6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001685040-25-000055.hdr.sgml**: 20250925

**ACCESSION NUMBER**: 0001685040-25-000055

**CONFORMED SUBMISSION TYPE**: S-8

**PUBLIC DOCUMENT COUNT**: 14

**REFERENCES 429**: 333-225197

**REFERENCES 429**: 333-282071

**FILED AS OF DATE**: 20250925

**DATE AS OF CHANGE**: 20250925

**EFFECTIVENESS DATE**: 20250925

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Brighthouse Financial, Inc.
- **CENTRAL INDEX KEY:** 0001685040
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 813846992
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** S-8
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-290513
- **FILM NUMBER:** 251344042

**BUSINESS ADDRESS:**
- **STREET 1:** 11225 N COMMUNITY HOUSE ROAD
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28277
- **BUSINESS PHONE:** 980-365-7100

**MAIL ADDRESS:**
- **STREET 1:** 11225 N COMMUNITY HOUSE ROAD
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28277

**As filed with the U.S. Securities and Exchange Commission on September 25, 2025**

**Registration No. 333-_____**

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549**

**_________________________**

**FORM S-8** 

**REGISTRATION STATEMENT** 

***UNDER***

***THE SECURITIES ACT OF 1933***

**_________________________**

**Brighthouse Financial, Inc.** 

**(Exact Name of Registrant as Specified in Its Charter)**

_________________________

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| | |
|:---|:---|
| **Delaware** <br>(State or Other Jurisdiction of Incorporation or Organization) | **81-3846992** <br>(I.R.S. Employer Identification No.) |
| **11225 North Community House Road,** <br>**Charlotte, North Carolina**<br>(Address of Principal Executive Offices)  | **28277**<br>(Zip Code)  |

---

**Amended and Restated Brighthouse Financial, Inc. 2017 Stock and Incentive Compensation Plan (Effective March 27, 2025)**

(Full Title of the Plan)

**Allie Lin, Esq.**

**Executive Vice President and General Counsel** 

**Brighthouse Financial, Inc.** 

**11225 North Community House Road** 

**Charlotte, North Carolina 28277** 

(Name and Address of Agent for Service)

**980-365-7100** 

(Telephone Number, Including Area Code, of Agent for Service)

**_________________________**

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;🗹 Accelerated filer &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◻ Non-accelerated filer ◻

Smaller reporting company &nbsp;&nbsp;&nbsp;&nbsp;◻ Emerging growth company&nbsp;&nbsp;&nbsp;&nbsp;◻

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ◻

------

**EXPLANATORY NOTE** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to General Instruction E of Form S-8, Brighthouse Financial, Inc., a Delaware corporation (the "Registrant"), is filing this registration statement on Form S-8 with the U.S. Securities and Exchange Commission (the "Commission") to register 910,000 additional shares of common stock, par value $0.01 per share, of the Registrant (the "Common Stock") for issuance pursuant to the Amended and Restated Brighthouse Financial, Inc. 2017 Stock and Incentive Compensation Plan (Effective March 27, 2025) (the "Plan").

In connection with the Plan, the Registrant previously filed with the Commission a registration statement on Form S-8 (Registration No. 333-225197) on May 24, 2018 (the "Prior Registration Statement"). In accordance with General Instruction E to Form S-8, the Registrant hereby incorporates by reference the contents of the Prior Registration Statement, except to the extent supplemented, superseded or modified by the specific information set forth below or the specific exhibits filed herewith.

**PART II**

**INFORMATION REQUIRED IN THE REGISTRATION STATEMENT**

**Item 3. Incorporation of Documents by Reference.**

The following documents, which have been filed by the Registrant with the U.S. Securities and Exchange Commission (the "Commission"), are incorporated herein by reference:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a)&nbsp;&nbsp;&nbsp;&nbsp;The Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2024, filed with the Commission on <u>[February 28, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001685040/000168504025000010/bhf-20241231.htm)</u> (Commission File No. 001-37905).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b)&nbsp;&nbsp;&nbsp;&nbsp;The Registrant's Quarterly Reports on Form 10-Q for the quarterly periods ended March 31, 2025, and June 30, 2025, filed with the Commission on <u>[May 9, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001685040/000168504025000018/bhf-20250331.htm)</u>, and <u>[August 8, 202](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001685040/000168504025000048/bhf-20250630.htm)[5](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001685040/000168504025000048/bhf-20250630.htm)</u>, respectively (Commission File No. 001-37905).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c)&nbsp;&nbsp;&nbsp;&nbsp;All other reports filed pursuant to Section 13(a) or 15(d) of the Exchange Act since December 31, 2024 (other than the portions of those documents not deemed to be filed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) &nbsp;&nbsp;&nbsp;&nbsp;The description of the Registrant's Common Stock contained in the Description of Securities, filed as <u>[Exhibit 4.20](https://www.sec.gov/Archives/edgar/data/1685040/000168504024000007/bhf-12312023xex420.htm)</u> to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2023, filed with the Commission on February 22, 2024, including any amendment or report filed for the purpose of updating such description.

All documents subsequently filed by the Registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed to be incorporated by reference in this registration statement and to be a part hereof from the date of the filing of such documents.

Any statement contained in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for the purposes of this registration statement to the extent that a statement contained herein or in any other subsequently filed document which also is or is deemed to be incorporated by reference herein modifies or supersedes such statement. Any statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this registration statement.

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The Registrant hereby undertakes to provide without charge to each person who has received a copy of the prospectus to which this registration statement relates, upon the written or oral request of any such person, a copy of any or all the documents that have been or may be incorporated by reference into this registration statement, other than exhibits to such documents (unless such exhibits are incorporated therein by reference).

**Item 5.&nbsp;&nbsp;&nbsp;&nbsp; Interests of Named Experts and Counsel.**

The validity of the securities which may be issued by the Registrant pursuant to the Plan will be passed upon for the Registrant by Bruce Schindler, Deputy General Counsel of Brighthouse Services, LLC ("Brighthouse Services"), who has acted as counsel for the Registrant. Brighthouse Services is an indirect, wholly-owned subsidiary of the Registrant. Mr. Schindler is paid a salary by Brighthouse Services, is a participant in various employee benefit plans offered by the Registrant and its affiliates to employees generally, is paid equity-based compensation in accordance with the compensation programs of the Registrant and its affiliates, and owns shares of the Registrant's Common Stock.

**Item 6. Indemnification of Directors and Officers.**

Section 102(b)(7) of the General Corporation Law of the State of Delaware, or the "DGCL," permits a Delaware corporation to include a provision in its certificate of incorporation eliminating or limiting the personal liability of directors or officers to the corporation or its stockholders for monetary damages for breach of fiduciary duty as a director or officer. This provision, however, may not eliminate or limit the liability of (1) a director or officer for breach of the director or officer's duty of loyalty to the corporation or its stockholders, (2) a director or officer for acts or omissions not in good faith or involving intentional misconduct or a knowing violation of law, (3) a director under Section 174 of the DGCL, which provides for liability of directors for unlawful payments of dividends or unlawful stock purchases, redemptions or other distributions, (4) a director or officer for any transaction from which the director or officer derived an improper personal benefit, or (5) an officer in any action by or in the right of the corporation. The restated certificate of incorporation of the Registrant contains such a provision.

Section 145(a) of the DGCL provides that a corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding whether civil, criminal, administrative or investigative (other than an action by or in the right of the corporation) by reason of the fact that the person is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorneys' fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by the person in connection with such action, suit or proceeding if the person acted in good faith and in a manner the person reasonably believed to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had no reasonable cause to believe the person's conduct was unlawful.

Section 145(b) of the DGCL provides that a corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action or suit by or in the right of the corporation to procure a judgment in its favor by reason of the fact that the person is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorneys' fees) actually and reasonably incurred by the person in connection with the defense or settlement of such action or suit if the person acted in good faith and in a manner the person reasonably believed to be in or not opposed to the best interests of the corporation and except that no indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been adjudged to be liable to the corporation unless and only to the extent that the Delaware Court of Chancery or the court in which such action or suit was brought shall determine upon application that, despite the adjudication of liability but in view of all of the circumstances of the

------

case, such person is fairly and reasonably entitled to indemnity for such expenses which the Delaware Court of Chancery or such other court shall deem proper.

Section 145(c) of the DGCL provides that to the extent that a present or former director or officer of a corporation has been successful on the merits or otherwise in defense of any action, suit or proceeding referred to in subsections (a) and (b) of Section 145 of the DGCL, or in defense of any claim, issue or matter therein, such person shall be indemnified against expenses (including attorneys' fees) actually and reasonably incurred by such person in connection therewith.

Section 145(e) of the DGCL permits a Delaware corporation to advance litigation expenses, including attorneys' fees, incurred by present and former directors and officers prior to the final disposition of the relevant proceedings. The advancement of expenses to a present director or officer is conditioned upon receipt of an undertaking by or on behalf of such director or officer to repay the advancement if it is ultimately determined that such director or officer is not entitled to be indemnified by the corporation. Advancement to former officers and directors may be conditioned upon such terms and conditions, if any, as the corporation may deem appropriate.

Section 145(g) of the DGCL specifically allows a Delaware corporation to purchase liability insurance on behalf of its directors and officers and to insure against potential liability of such directors and officers regardless of whether the corporation would have the power to indemnify such directors and officers under Section 145 of the DGCL.

The restated certificate of incorporation and the amended and restated bylaws of the Registrant authorize the corporation to indemnify its directors and officers to the fullest extent permitted by law.

The foregoing summaries are necessarily subject to the complete text of the DGCL and Registrant's restated certificate of incorporation and amended and restated bylaws.

**Item 8. Exhibits.**

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| | |
|:---|:---|
| <u>Number</u> | <u>Description</u> |
| 4.1 | <u>[Restated Certificate of Incorporation of Brighthouse Financial, Inc., dated July 11, 2023, is incorporated by reference to Exhibit 3.3 to the Registrant's Quarterly Report on Form 10-Q, filed on August 9, 2023 (File No. 001-37905).](https://www.sec.gov/Archives/edgar/data/1685040/000168504023000056/bhf-06302023xex33.htm)</u> |
| 4.2 | <u>[Amended and Restated Bylaws of Brighthouse Financial, Inc., effective January 29, 2025, is incorporated by reference to Exhibit 3.1 to the Registrant's Current Report on Form 8-K, filed on February 4, 2025 (File No. 001-37905).](https://www.sec.gov/Archives/edgar/data/1685040/000168504025000002/bhf-arbylawsjanuary2025xex.htm)</u> |
| 4.3 | <u>[Amended and Restated Brighthouse Financial, Inc. 2017 Stock and Incentive Compensation Plan (Effective March 27, 2025), is incorporated by reference to Exhibit 10.1 to the Registrant's Current Report on Form 8-K, filed on June 16, 2025 (File No. 001-37905).](https://www.sec.gov/Archives/edgar/data/1685040/000168504025000038/exhibit101-brighthousefina.htm)</u> |
| 5.1\* | <u>[Opinion of Bruce Schindler, Esq., Deputy General Counsel of Brighthouse Services, LLC](exhibit519252025.htm)</u>. |
| 23.1\* | <u>[Consent of Deloitte & Touche LLP.](exhibit2319252025.htm)</u> |
| 23.2\* | <u>[Consent of Bruce Schindler (included in Exhibit 5.1)](exhibit519252025.htm)</u>. |
| 24\* | Powers of attorney (included on the signature pages of this registration statement). |
| 107\* | <u>[Filing fee table.](exfilingfees.htm)</u> |

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\* Filed herewith.

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**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Charlotte, State of North Carolina, on this 25th day of September, 2025.

---

| | | |
|:---|:---|:---|
| BRIGHTHOUSE FINANCIAL, INC. | BRIGHTHOUSE FINANCIAL, INC. | BRIGHTHOUSE FINANCIAL, INC. |
| By: | /s/ Jacob M. Jenkelowitz | /s/ Jacob M. Jenkelowitz |
|  | Name: | Jacob M. Jenkelowitz |
|  | Title: | Corporate Secretary |

---

------

**POWER OF ATTORNEY AND SIGNATURES**

KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints each of Allie Lin, Bruce Schindler and Jacob Jenkelowitz jointly and severally, as his or her true and lawful attorney-in-fact and agent, acting alone, with full power of substitution and resubstitution, for him or her and in his or her name, place and stead, in any and all capacities, to sign any or all amendments (including post-effective amendments) to this registration statement, and to file the same, with all exhibits thereto, and other documents in connection therewith, with the U.S. Securities and Exchange Commission, granting unto said attorney-in-fact full power and authority to do and perform each and every act and thing requisite or necessary to be done in and about the premises, as such person, hereby ratifying and confirming all that said attorney-in-fact and agent, or his or her substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Eric T. Steigerwalt | President and Chief Executive Officer, and Director <br>(Principal Executive Officer) | September 25, 2025 |
| Eric T. Steigerwalt | President and Chief Executive Officer, and Director <br>(Principal Executive Officer) |  |
| /s/ Edward A. Spehar | Executive Vice President and Chief Financial Officer (Principal Financial Officer) | September 25, 2025 |
| Edward A. Spehar | Executive Vice President and Chief Financial Officer (Principal Financial Officer) |  |
| /s/ Melissa B. Pavlovich | Chief Accounting Officer<br>(Principal Accounting Officer) | September 25, 2025 |
| Melissa B. Pavlovich | Chief Accounting Officer<br>(Principal Accounting Officer) |  |
| /s/ C. Edward Chaplin | Chairman of the Board and Director | September 25, 2025 |
| C. Edward Chaplin |  |  |
| /s/ Stephen C. Hooley | Director | September 25, 2025 |
| Stephen C. Hooley |  |  |
| /s/ Michael J. Inserra | Director | September 25, 2025 |
| Michael J. Inserra |  |  |
| /s/ Carol D. Juel | <br>Director | September 25, 2025 |
| Carol D. Juel |  |  |
| /s/ Eileen A. Mallesch | <br>Director | September 25, 2025 |
| Eileen A. Mallesch |  |  |
| /s/ Diane E. Offereins | Director | September 25, 2025 |
| Diane E. Offereins |  |  |
| /s/ Paul M. Wetzel | <br>Director | September 25, 2025 |
| Paul M. Wetzel |  |  |
| /s/ Lizabeth H. Zlatkus | <br>Director | September 25, 2025 |
| Lizabeth H. Zlatkus |  |  |

---

## Ex-Filing

?xml version='1.0' encoding='ASCII'? exfilingfees

**Exhibit 107**

**Calculation of Filing Fee Tables**

**Form S-8**

(Form Type)

**Brighthouse Financial, Inc.**

(Exact Name of Registrant as Specified in its Charter)

**Table 1: Newly Registered Securities**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Security <br>Type | Security <br>Class <br>Title | Fee <br>Calculation <br>Rule | Amount Registered<sup>(1)</sup> | Proposed Maximum Offering Price Per Unit | Maximum Aggregate Offering Price | Fee <br>Rate | Amount of Registration <br>Fee |
| Equity | Common Stock ($0.01 par value per share) | Other<sup>(2)</sup> | 910000<sup>(3)</sup> | $45.74<sup>(2)</sup> | $41623400.00<sup>(2)</sup> | 0.0001531 | $6372.54 |
| Total Offering Amounts | Total Offering Amounts | Total Offering Amounts | Total Offering Amounts |  | $41623400.00 |  | $6372.54 |
| Total Fee Offsets | Total Fee Offsets | Total Fee Offsets | Total Fee Offsets |  |  |  | 0 |
| Net Fee Due | Net Fee Due | Net Fee Due | Net Fee Due |  |  |  | $6372.54 |

---

(1) In accordance with Rule 416 under the Securities Act of 1933, as amended (the "Securities Act"), this registration statement shall be deemed to cover any additional securities that may from time to time be offered or issued under the Amended and Restated Brighthouse Financial, Inc. 2017 Stock and Incentive Compensation Plan (Effective March 27, 2025) (the "Plan") to prevent dilution resulting from stock splits, stock dividends, recapitalization or similar transactions that result in an increase in the number of outstanding securities.

(2) Estimated in accordance with Rules 457(c) and 457(h) under the Securities Act, solely for the purpose of computing the amount of the registration fee, on the basis of the average of the high and low prices of shares of common stock, par value $0.01 per share, of the Registrant ("Common Stock"), reported on The Nasdaq Stock Market LLC on September 18, 2025, which is within five business days of this filing.

(3) Represents 910,000 additional shares of Common Stock for future issuance under the Plan.

## Exhibit 5.1

**Exhibit 5.1**

September 25, 2025

Brighthouse Financial, Inc.

11225 North Community House Road

Charlotte, North Carolina 28277

Registration Statement on Form S-8

<u>of Brighthouse Financial, Inc.</u>

Ladies and Gentlemen:

I am Deputy General Counsel of Brighthouse Services, LLC, and have acted as counsel to Brighthouse Financial, Inc., a Delaware corporation (the "<u>Company</u>") in connection with the filing with the U.S. Securities and Exchange Commission (the "<u>Commission</u>") under the Securities Act of 1933, as amended (the "<u>Act</u>"), of a Registration Statement on Form S-8 (the "<u>Registration Statement</u>"), relating to the registration of up to 910,000 shares of the Company's common stock, par value $0.01 per share (the "<u>Common Stock</u>"), for issuance pursuant to the Amended and Restated Brighthouse Financial, Inc. 2017 Stock and Incentive Compensation Plan (Effective March 27, 2025) (the "<u>Plan</u>").

In rendering the opinion expressed below, I or other in-house attorneys for the Company over whom I exercise general supervisory authority have (<u>a</u>) examined and relied on the originals, or copies certified or otherwise identified to our satisfaction, of such agreements, documents and records of the Company and such other instruments and certificates of public officials, officers and representatives of the Company and others as we have deemed necessary or appropriate for the purposes of such opinion, (<u>b</u>) examined and relied as to factual matters upon, and assumed the accuracy of, the statements made in the certificates of public officials, officers and representatives of the Company and others delivered to us and (<u>c</u>) made such investigations of law as we have deemed necessary or appropriate as a basis for such opinion. In rendering the opinion expressed below, we have assumed, with your permission, without independent investigation or inquiry, (<u>i</u>) the authenticity and completeness of all documents that we examined, (<u>ii</u>) the genuineness of all signatures on all documents that we examined, (<u>iii</u>) the conformity to authentic originals and completeness of documents examined by us that are certified, conformed, reproduction, photostatic or other copies and (<u>iv</u>) the legal capacity of all natural persons executing documents.

Based upon and subject to the foregoing and the assumptions, qualifications and limitations hereinafter set forth, I am of the opinion that the 910,000 shares of Common Stock that are reserved for issuance pursuant to the Plan have been duly authorized and, when issued in accordance with the terms of the Plan, will be validly issued, fully paid and non-assessable.

I hereby consent to the filing of this opinion as an exhibit to the Registration Statement and to the use of my name under the heading "Interests of Named Experts and Counsel" therein. In giving such consent, I do not concede that I am within the category of persons whose consent is required under Section 7 of the Act or the rules and regulations of the Commission thereunder.

I am a member of the bar of the State of New York. I express no opinion as to the laws of any jurisdiction other than the General Corporation Law of the State of Delaware, as currently in effect.

---

| |
|:---|
| Very truly yours, |
| /s/ Bruce Schindler |
| Name: Bruce Schindler<br>Title: Deputy General Counsel<br>Brighthouse Services, LLC |

---

## Exhibit 23.1

**Exhibit 23.1**

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in this Registration Statement on Form S-8 of our report dated February 28, 2025 relating to the financial statements and related financial statement schedules of Brighthouse Financial, Inc. and the effectiveness of Brighthouse Financial, Inc.'s internal control over financial reporting, appearing in the Annual Report on Form 10-K of Brighthouse Financial, Inc. for the year ended December 31, 2024.

/s/ DELOITTE & TOUCHE LLP

Charlotte, NC

September 25, 2025

<br>