# EDGAR Filing Document

**Accession Number:** 0001077712
**File Stem:** 0001193125-26-156094
**Filing Date:** 2026-4
**Character Count:** 67436
**Document Hash:** 1b2434339d4e2f9b46f6be0ba7a23257
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-156094.hdr.sgml**: 20260415

**ACCESSION NUMBER**: 0001193125-26-156094

**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 III for Variable Life Insurance
- **CENTRAL INDEX KEY:** 0001077712

**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:** 333-71349
- **FILM NUMBER:** 26862671

**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:** Brighthouse Fund UL III for Life Insurance
- **DATE OF NAME CHANGE:** 20170306

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TRAVELERS FUND UL III FOR VARIABLE LIFE INSURANCE
- **DATE OF NAME CHANGE:** 19990128

## Series and Classes Contracts Data

### Brighthouse Fund UL III for Variable Life Insurance (Series ID: S000004239)

| Class ID   | Class Name                                       | Ticker Symbol   |
|:---|:---|:---|
| C000011937 | Corporate Owned Variable Universal Life Series 1 |  |

![](g215283bhouse_logo.jpg)

**Corporate Owned Variable Universal Life Insurance**

**ISSUED BY**

**BRIGHTHOUSE LIFE INSURANCE COMPANY**

**and**

**Brighthouse Fund UL III for Variable Life Insurance**

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

**Disclosure Notice**

**April 27, 2026**

**A Corporate Owned Flexible Premium Variable Life Insurance Policy** <br>

This Disclosure Notice provides certain updated information about Corporate Owned Variable Universal Life Insurance, a corporate owned flexible premium variable life insurance policy (the "Policy") issued by Brighthouse Life Insurance Company (the "Company", or "we" or "us"). The Policy is no longer available for purchase.

Updated financial statements for the Company and Brighthouse Fund UL III for Variable Life Insurance (the "Separate Account") are available free of charge at https://dfinview.com/BHF/PUFT/BHF98. The Policy prospectus, dated April 29, 2019, 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 877-887-3510 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 taxes.

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

**The Securities and Exchange Commission has not approved or disapproved these securities or determined if this 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_b4f332a5-3018-40da-9bc9-51ee643084b7_1) | 3  |
| [Updated Information You Should Consider About the Policy](#xx_b4f332a5-3018-40da-9bc9-51ee643084b7_1) | 3  |
| [Important Information You Should Consider About The Policy](#xx_792ed461-6cee-4752-9980-af4ca94d5cdc_1) | 6  |
| [Appendix A:](#xx_4cd84b56-3e04-4b76-812c-877250b460f7_1)[Funds Available Under The Policy](#xx_4cd84b56-3e04-4b76-812c-877250b460f7_1) | A-1 |

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***Glossary***

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**Cash Surrender Value** — the Contract Value less any Outstanding Loans.

**Contract Value** — the sum of the accumulated value held in the Investment Options plus the Loan Account value and the Fixed Account value attributable to the Policy.

**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.

**Fixed Account** — part of the General Account of the Company.

**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 Contract 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 Contract Value, which includes cost of insurance charges, administrative charges, and any charges for benefits associated with any Rider(s).

**Policy** —Corporate Owned Variable Universal Life Insurance, a corporate owned variable flexible 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.

**Riders** — supplemental insurance benefits offered under 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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**Fund Name Changes** 

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| | |
|:---|:---|
| **Former Name** | **New Name** |
| **American Funds Insurance Series**<sup>®</sup> <br>| **American Funds Insurance Series**<sup>®</sup> <br>|
| &nbsp;&nbsp;&nbsp; American Funds Global Small Capitalization Fund | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP World Fund<sup>®</sup>\* |
| &nbsp;&nbsp;&nbsp; American Funds International Fund | &nbsp;&nbsp;&nbsp; American Funds EUPAC Fund™\* |
| **BNY Mellon Variable Investment Fund** | **BNY Mellon Variable Investment Fund** |
| &nbsp;&nbsp;&nbsp; Opportunistic Small Cap Portfolio | &nbsp;&nbsp;&nbsp; Small Cap Portfolio\*\* |
| **Brighthouse Funds Trust I**  | **Brighthouse Funds Trust I** |
| &nbsp;&nbsp;&nbsp; SSGA Emerging Markets Enhanced Index Portfolio | &nbsp;&nbsp;&nbsp; State Street Emerging Markets Enhanced Index Portfolio |
| **Delaware VIP® Trust** | **Delaware VIP® Trust** |
| &nbsp;&nbsp;&nbsp; Macquarie VIP Small Cap Value Series | &nbsp;&nbsp;&nbsp; Nomura VIP Small Cap Value Series\*\*\* |
| **Franklin Templeton Variable Insurance Products Trust** | **Franklin Templeton Variable Insurance Products Trust** |
| &nbsp;&nbsp;&nbsp; Templeton Developing Markets VIP Fund | &nbsp;&nbsp;&nbsp; Templeton Emerging Markets VIP Fund\* |

---

\* The effective date of this name change is May 1, 2026. <br>\*\* The effective date of this name change was December 31, 2025. <br> \*\*\* The effective date of this name change was December 1, 2025.

**Fund Additions**

The following Funds have been added to the Policy:

**Fidelity® Variable Insurance Products**

Freedom 2040 Portfolio – Initial Class

Freedom 2050 Portfolio – Initial Class

**Trust/Fund Reorganization**

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

---

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

---

***Transfers***

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

AB VPS International Value Portfolio

AB VPS Sustainable Global Thematic Portfolio

American Funds American High-Income Trust

American Funds EUPAC Fund™

American Funds Global Growth Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds New World Fund®

American Funds SMALLCAP World Fund®

American Funds The Bond Fund of America

American Funds U.S. Government Securities Fund

Baillie Gifford International Stock Portfolio

BlackRock High Yield Portfolio

Brighthouse Small Cap Value Portfolio

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Brighthouse/Eaton Vance Floating Rate Portfolio

CBRE Global Real Estate Portfolio

Emerging Markets Debt Portfolio

Emerging Markets Equity Portfolio

Franklin Mutual Global Discovery VIP Fund

Franklin Small-Mid Cap Growth VIP Fund

Harris Oakmark International Portfolio

High Income Portfolio

Invesco Global Equity Portfolio

Invesco Small Cap Growth Portfolio

Invesco V.I. EQV International Equity Fund

Invesco V.I. Main Street Small Cap Fund®

Janus Henderson Global Research Portfolio

Janus Henderson Global Technology and Innovation Portfolio

Janus Henderson Overseas Portfolio

Loomis Sayles Global Allocation Portfolio

Loomis Sayles Small Cap Core Portfolio

MetLife MSCI EAFE® Index Portfolio

MetLife Russell 2000® Index Portfolio

MFS® Global Equity Series

MFS® High Yield Portfolio

MFS® New Discovery Series

MFS® Research International Portfolio

Neuberger Berman Genesis Portfolio

Nomura VIP Small Cap Value Series

Overseas Portfolio

Putnam VT International Value Fund

Royce Micro-Cap Portfolio

Royce Small-Cap Portfolio

Small Cap Portfolio

State Street Emerging Markets Enhanced Index Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;T. Rowe Price Small Cap Growth Portfolio

Templeton Emerging Markets VIP Fund

Templeton Foreign VIP Fund

Templeton Global Bond VIP Fund

Western Asset Management Strategic Bond Opportunities Portfolio

Western Asset Variable Global High Yield Bond 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>| None. | None. | None. | &nbsp;&nbsp; **Policy Charges and** <br> **Deductions –** <br> **Charges Against** <br> **Contract Value** <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Fee Tables**<br>|
| **Transaction** <br> **Charges**<br>| &nbsp;&nbsp; You may be charged for certain transactions. These charges include a <br> sales charge, a state premium tax charge and a federal deferred <br> acquisition cost charge with respect to Premium Payments, a charge for <br> transfers of Contract Value among Investment Options, and a charge for <br> Policy illustrations. We do not currently impose a charge for transfers or <br> illustrations but reserve the right to do so. | &nbsp;&nbsp; You may be charged for certain transactions. These charges include a <br> sales charge, a state premium tax charge and a federal deferred <br> acquisition cost charge with respect to Premium Payments, a charge for <br> transfers of Contract Value among Investment Options, and a charge for <br> Policy illustrations. We do not currently impose a charge for transfers or <br> illustrations but reserve the right to do so. | &nbsp;&nbsp; You may be charged for certain transactions. These charges include a <br> sales charge, a state premium tax charge and a federal deferred <br> acquisition cost charge with respect to Premium Payments, a charge for <br> transfers of Contract Value among Investment Options, and a charge for <br> Policy illustrations. We do not currently impose a charge for transfers or <br> illustrations but reserve the right to do so. | &nbsp;&nbsp; **Policy Charges and** <br> **Deductions –** <br> **Charges Against** <br> **Premium; Charges** <br> **Against Contract** <br> **Value**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Fee Tables**<br>|
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; In addition to transaction charges, an investment in the Policy is subject <br> to certain ongoing fees and expenses, including a Cost of Insurance <br> Charge, a Policy administrative expense charge, a mortality and expense <br> risk charge, a Policy loan cost and charges for various Riders offered <br> along with the Policy. Certain of these ongoing charges vary in amount <br> depending on the Insured's Age, risk class, and (except for unisex <br> Policies) sex. You should view the Policy Summary page of your Policy <br> for the specific charges applicable to your Policy.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Funds under the Policy, <br> as shown in the following table: | &nbsp;&nbsp; In addition to transaction charges, an investment in the Policy is subject <br> to certain ongoing fees and expenses, including a Cost of Insurance <br> Charge, a Policy administrative expense charge, a mortality and expense <br> risk charge, a Policy loan cost and charges for various Riders offered <br> along with the Policy. Certain of these ongoing charges vary in amount <br> depending on the Insured's Age, risk class, and (except for unisex <br> Policies) sex. You should view the Policy Summary page of your Policy <br> for the specific charges applicable to your Policy.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Funds under the Policy, <br> as shown in the following table: | &nbsp;&nbsp; In addition to transaction charges, an investment in the Policy is subject <br> to certain ongoing fees and expenses, including a Cost of Insurance <br> Charge, a Policy administrative expense charge, a mortality and expense <br> risk charge, a Policy loan cost and charges for various Riders offered <br> along with the Policy. Certain of these ongoing charges vary in amount <br> depending on the Insured's Age, risk class, and (except for unisex <br> Policies) sex. You should view the Policy Summary page of your Policy <br> for the specific charges applicable to your Policy.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Funds under the Policy, <br> as shown in the following table: | &nbsp;&nbsp; **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> **Fee Tables**<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; **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> **Fee Tables**<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>| 0.09% | 3.38% | &nbsp;&nbsp; **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> **Fee Tables**<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>|
| **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 possible federal <br> 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 possible federal <br> 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 possible federal <br> income tax. | &nbsp;&nbsp; **Summary of** <br> **Principal Policy** <br> **Benefits and Risks**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Policy Charges and** <br> **Deductions**<br>|

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| | | |
|:---|:---|:---|
| **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, including the Fixed Account, will have its own <br> unique risks, and you should review these investment options before <br> making an investment decision. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> There is no guarantee that a money market fund will be able to maintain <br> a stable net asset value of $1.00 per share. During extended periods of <br> low interest rates, the yield of an Investment Option that invests in a <br> money market fund may become extremely low and possibly negative. It <br> is therefore possible that your Contract Value may decline even when <br> you select a money market fund for investment.  | &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 (including obligations related to <br> amounts invested in the Fixed Account), 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 Contract Value. Additionally, insufficient Premium Payments, <br> withdrawals and Policy charges (including increases in those charges) <br> could cause the Policy to lapse and you will no longer have insurance <br> coverage. If your Policy has lapsed, you may reinstate it within three <br> years from the date the last Monthly Deduction Amount was paid. <br> Reinstatement in all cases requires payment of certain charges described <br> in the Policy and usually requires evidence of insurability that is <br> 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 close or substitute a Fund or <br> limit its availability to subsequent Premium Payments and/or transfers of <br> Contract Value.<br>Transfers. We reserve the right to impose a charge of $10 on transfers in <br> excess of six per year and to limit transfers in circumstances of frequent <br> or large transfers. We may also limit the frequency and amount of <br> transfers from the Fixed Account to the Investment Options and from the <br> Investment Options to the Fixed Account. | &nbsp;&nbsp; **Description of the** <br> **Company, Separate** <br> **Account and Funds** <br> **– The Funds**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Transfers**<br>|
| **Optional Benefits** | &nbsp;&nbsp; Various optional benefits may be available in the form of a Rider to your <br> Policy. Not all of these Riders may be available to you. In general, <br> supplemental insurance benefits may be (i) available only to insureds <br> within certain age ranges and/or who meet certain criteria (e.g., terminal <br> illness); (ii) subject to minimum and/or maximum specified amounts; or <br> (iii) subject to certain termination conditions. We may stop offering an <br> optional benefit at any time. | &nbsp;&nbsp; **Other Benefits** <br> **Available Under the** <br> **Policy**<br>|
|  | **TAXES** |  |
| **Tax Implications** | &nbsp;&nbsp; You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the <br> Policy. Please note that there is no additional tax benefit to you if the <br> Policy is purchased through a tax-qualified plan. Withdrawals will be <br> subject to ordinary income tax and may be subject to tax penalties. | &nbsp;&nbsp; **Federal Tax** <br> **Considerations**<br>|

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| | | |
|:---|:---|:---|
|  | **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>|
| **Exchanges** | &nbsp;&nbsp; In general, sales representatives may have a financial incentive to offer <br> you a new insurance policy in place of the Policy you already own. You <br> should exchange your Policy only if you determine, after comparing the <br> features, fees, and risks of both policies, that it is preferable for you to <br> purchase the new policy rather than continue to own the existing Policy. | &nbsp;&nbsp; **Distribution &** <br> **Compensation**<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/BHF98. You can also request this information at no cost by calling 877-887-3510 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 long-term growth of <br> capital.<br>| &nbsp;&nbsp; AB VPS International Value Portfolio — <br> Class A#<br> *AllianceBernstein L.P.*<br>| 0.90% | 41.70% | 10.47% | 6.64% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; AB VPS Sustainable Global Thematic <br> Portfolio — Class B#<br> *AllianceBernstein L.P.*<br>| 1.19% | 6.02% | 3.02% | 9.80% |
| Seeks capital growth and <br> income through <br> investments in equity <br> securities, including <br> common stocks, preferred <br> stocks and securities <br> convertible into common <br> and preferred stocks.<br>| &nbsp;&nbsp; Invesco V.I. Comstock Fund — Series II<br> *Invesco Advisers, Inc.*<br>| 1.00% | 17.14% | 15.14% | 11.67% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Invesco V.I. EQV International Equity <br> Fund — Series I<br> *Invesco Advisers, Inc.*<br>| 0.90% | 16.50% | 3.68% | 6.22% |
| Seeks total return, <br> comprised of current <br> income and capital <br> appreciation.<br>| &nbsp;&nbsp; Invesco V.I. Government Securities Fund <br> — Series I<br> *Invesco Advisers, Inc.*<br>| 0.70% | 7.37% | 0.04% | 1.60% |
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco V.I. Main Street Small Cap Fund® <br> — Series I<br> *Invesco Advisers, Inc.*<br>| 0.84% | 8.70% | 8.34% | 10.59% |
| Seeks a high level of current <br> income. Its secondary <br> investment objective is <br> capital appreciation.<br>| &nbsp;&nbsp; American Funds American High-Income <br> Trust — Class 2#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.62% | 8.24% | 5.60% | 6.96% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; American Funds EUPAC Fund™ — <br> Class 2<sup>2</sup>#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.72% | 26.77% | 3.40% | 7.00% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; American Funds Global Growth Fund — <br> Class 2#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.65% | 21.62% | 8.23% | 12.17% |

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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; American Funds Growth Fund — Class 2<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.58% | 20.24% | 13.37% | 17.97% |
| Seeks long-term growth of <br> capital and income.<br>| &nbsp;&nbsp; American Funds Growth-Income Fund <br> — Class 2<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; American Funds New World Fund® — <br> Class 2#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.82% | 28.29% | 5.33% | 9.25% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; American Funds SMALLCAP World <br> Fund® — Class 2<sup>1</sup>#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.90% | 14.64% | 0.49% | 7.23% |
| Seeks as high a level of <br> current income as is <br> consistent with the <br> preservation of capital.<br>| &nbsp;&nbsp; American Funds The Bond Fund of <br> America — Class 2#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.47% | 7.26% | -0.14% | 2.36% |
| Seeks a high level of current <br> income consistent with <br> prudent investment risk and <br> preservation of capital.<br>| &nbsp;&nbsp; American Funds U.S. Government <br> Securities Fund — Class 2#<br> *Capital Research and Management* <br> *Company*<sup>SM</sup><br>| 0.50% | 7.75% | -0.23% | 1.70% |
| Seeks long-term capital <br> growth consistent with the <br> preservation of capital. Its <br> secondary goal is current <br> income.<br>| &nbsp;&nbsp; Appreciation Portfolio — Initial Shares<br> *BNY Mellon Investment Adviser, Inc.*<br> *Subadviser: Fayez Sarofim & Co.*<br>| 0.85% | 10.07% | 9.37% | 12.92% |
| Seeks capital growth. | &nbsp;&nbsp; Small Cap Portfolio — Initial Shares<br> *BNY Mellon Investment Adviser, Inc.*<br> *Subadviser: Newton Investment* <br> *Management North America, LLC*<br>| 0.83% | 10.99% | 4.26% | 7.83% |
| Seeks to maximize total <br> return, consistent with <br> income generation and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; BlackRock High Yield Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: BlackRock Financial* <br> *Management, Inc.*<br>| 0.63% | 9.15% | 4.94% | 6.62% |
| 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 capital <br> appreciation.<br>| &nbsp;&nbsp; Brighthouse Small Cap Value Portfolio — <br> Class B#†<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Allspring Global* <br> *Investments, LLC*<br>| 1.03% | -3.21% | 6.43% | 8.07% |
| Seeks a high level of current <br> income.<br>| &nbsp;&nbsp; Brighthouse/Eaton Vance Floating Rate <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Eaton Vance Management*<br>| 0.70% | 4.05% | 5.01% | 4.85% |

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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 capital <br> appreciation.<br>| &nbsp;&nbsp; Brighthouse/Wellington Large Cap <br> Research Portfolio — Class E#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.69% | 15.74% | 12.14% | 13.45% |
| Seeks total return through <br> investment in real estate <br> securities, emphasizing <br> both capital appreciation <br> and current income.<br>| &nbsp;&nbsp; CBRE Global Real Estate Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: CBRE Investment* <br> *Management Listed Real Assets LLC*<br>| 0.66% | 7.11% | 4.30% | 4.22% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Harris Oakmark International Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Harris Associates L.P.*<br>| 0.72% | 33.17% | 6.72% | 7.01% |
| Seeks capital appreciation. | &nbsp;&nbsp; Invesco Global Equity Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.83% | 15.60% | 7.30% | 11.00% |
| 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 to maximize total <br> return.<br>| &nbsp;&nbsp; JPMorgan Core Bond Portfolio — <br> Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: J.P. Morgan Investment* <br> *Management Inc.*<br>| 0.70% | 6.95% | -0.19% | 2.02% |
| Seeks high total investment <br> return through a <br> combination of capital <br> appreciation and income.<br>| &nbsp;&nbsp; Loomis Sayles Global Allocation <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Loomis, Sayles & Company,* <br> *L.P.*<br>| 0.79% | 12.94% | 6.52% | 9.50% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Loomis Sayles Growth Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Loomis, Sayles & Company,* <br> *L.P.*<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| 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 capital appreciation. | &nbsp;&nbsp; Morgan Stanley Discovery Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Morgan Stanley Investment* <br> *Management Inc.*<br>| 0.65% | 13.55% | -5.58% | 14.29% |

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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 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 to provide total <br> return, primarily through <br> capital appreciation.<br>| &nbsp;&nbsp; State Street Emerging Markets Enhanced <br> Index Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: SSGA Funds Management,* <br> *Inc*<br>| 0.55% | 34.45% | 6.31% |  |
| 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 B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.78% | 12.05% | 10.28% | 10.09% |
| 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 long-term growth of <br> capital.<br>| &nbsp;&nbsp; T. Rowe Price Mid Cap Growth Portfolio <br> — Class A††<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br>*Inc.*<br> *Sub-Subadviser: T. Rowe Price* <br> *Investment Management, Inc.*<br>| 0.70% | 3.75% | 4.08% | 10.05% |
| Seeks high total return by <br> investing in equity <br> securities of mid-sized <br> companies.<br>| &nbsp;&nbsp; Victory Sycamore Mid Cap Value <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Victory Capital Management* <br> *Inc.*<br>| 0.85% | 2.29% | 9.62% | 9.58% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Baillie Gifford International Stock <br> Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Baillie Gifford Overseas* <br> *Limited*<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| Seeks a competitive total <br> return primarily from <br> investing in fixed-income <br> securities.<br>| &nbsp;&nbsp; BlackRock Bond Income 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 long-term capital <br> appreciation with some <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Balanced <br> Portfolio — Class A†<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| 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 long-term growth of <br> capital.<br>| &nbsp;&nbsp; Jennison Growth Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Seeks long-term capital <br> growth from investments in <br> common stocks or other <br> equity securities.<br>| &nbsp;&nbsp; Loomis Sayles Small Cap Core Portfolio <br> — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Loomis, Sayles & Company,* <br> *L.P.*<br>| 0.90% | 5.29% | 7.44% | 9.43% |
| Seeks to track the <br> performance of the <br> Bloomberg U.S. Aggregate <br> Bond Index.<br>| &nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio <br> — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| Seeks to track the <br> performance of the <br> Standard & Poor's MidCap <br> 400® Composite Stock <br> Price Index.<br>| &nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio — <br> Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.30% | 7.19% | 8.81% | 10.43% |

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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 to track the <br> performance of the MSCI <br> EAFE® Index.<br>| &nbsp;&nbsp; MetLife MSCI EAFE® Index Portfolio — <br> Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| Seeks to track the <br> performance of the Russell <br> 2000® Index.<br>| &nbsp;&nbsp; MetLife Russell 2000® Index Portfolio — <br> Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| Seeks to track the <br> performance of the <br> Standard & Poor's 500® <br> Composite Stock Price <br> Index.<br>| &nbsp;&nbsp; MetLife Stock Index Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| Seeks a favorable total <br> return through investment <br> in a diversified portfolio.<br>| &nbsp;&nbsp; MFS® 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 high total return, <br> consisting principally of <br> capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman Genesis Portfolio — <br> Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Growth <br> Portfolio — Class B#†<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.81% | 15.45% | 9.37% | 14.10% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; T. Rowe Price Small Cap Growth <br> Portfolio — Class A<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: T. Rowe Price Associates,* <br> *Inc.*<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| 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 to maximize total <br> return consistent with <br> preservation of capital and <br> maintenance of liquidity.<br>| &nbsp;&nbsp; Western Asset Management <br> U.S. Government Portfolio — Class A#<br> *Brighthouse Investment Advisers, LLC*<br> *Subadviser: Western Asset Management* <br> *Company LLC*<br>| 0.50% | 7.07% | 0.59% | 1.82% |

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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 capital appreciation. | &nbsp;&nbsp; Nomura VIP Small Cap Value Series — <br> Standard Class<br> *Delaware Management Company, a* <br> *series of Nomura Investment* <br>*Management Business Trust*<br> *Subadvisers: Macquarie Funds* <br> *Management HK Ltd.; Macquarie* <br> *Investment Management Global Limited*<br>| 0.74% | 8.16% | 9.26% | 9.15% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Contrafund® Portfolio — Initial Class<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.54% | 21.52% | 15.37% | 15.78% |
| Seeks reasonable income. <br> The fund will also consider <br> the potential for capital <br> appreciation. The fund's <br> goal is to achieve a yield <br> which exceeds the <br> composite yield on the <br> securities comprising the <br> S&P 500® Index.<br>| &nbsp;&nbsp; Equity-Income Portfolio — Initial Class<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.46% | 19.02% | 12.51% | 11.60% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2010 Portfolio — Initial Class<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.38% | 10.53% | 3.15% | 5.73% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2015 Portfolio — Initial Class<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.41% | 11.87% | 3.99% | 6.60% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2020 Portfolio — Initial Class<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.44% | 13.33% | 4.84% | 7.38% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2025 Portfolio — Initial Class<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.46% | 14.59% | 5.52% | 8.02% |
| Seeks high total return with <br> a secondary objective of <br> principal preservation as <br> the fund approaches its <br> target date and beyond.<br>| &nbsp;&nbsp; Freedom 2030 Portfolio — Initial Class<br> *Fidelity Management & Research* <br> *Company LLC*<br>| 0.49% | 15.52% | 6.25% | 8.88% |

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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 as high a level of <br> current income as is <br> consistent with preservation <br> of capital and liquidity.<br>| &nbsp;&nbsp; Government Money Market Portfolio — <br> Initial Class<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.25% | 4.13% | 3.10% | 2.03% |
| Seeks high total return <br> through a combination of <br> current income and capital <br> appreciation.<br>| &nbsp;&nbsp; Growth & Income Portfolio — Service <br> Class 2<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.72% | 21.21% | 15.83% | 13.56% |
| Seeks a high level of current <br> income, while also <br> considering growth of <br> capital.<br>| &nbsp;&nbsp; High Income Portfolio — Initial Class#<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.81% | 10.36% | 4.22% | 5.59% |
| Seeks investment results <br> that correspond to the total <br> return of common stocks <br> publicly traded in the <br> United States, as <br> represented by the S&P <br> 500® Index.<br>| &nbsp;&nbsp; Index 500 Portfolio — Initial Class<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: Geode Capital Management,* <br> *LLC*<br>| 0.09% | 17.78% | 14.31% | 14.70% |
| Seeks as high a level of <br> current income as is <br> consistent with the <br> preservation of capital.<br>| &nbsp;&nbsp; Investment Grade Bond Portfolio — <br> Service Class<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.47% | 7.14% | -0.06% | 2.61% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Mid Cap Portfolio — Service Class 2<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, and FMR* <br> *Japan*<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Overseas Portfolio — Service Class 2<br> *Fidelity Management & Research* <br>*Company LLC*<br> *Subadviser: FMR UK, FMR HK, FMR* <br> *Japan, FIA, FIA(UK), and FIJ*<br>| 0.97% | 20.05% | 6.35% | 7.66% |
| Seeks capital appreciation. | &nbsp;&nbsp; Franklin Mutual Global Discovery VIP <br> Fund — Class 2<br> *Franklin Mutual Advisers, LLC*<br>| 1.16% | 23.34% | 12.00% | 8.52% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; Franklin Small-Mid Cap Growth VIP <br> Fund — Class 2†<br> *Franklin Advisers, Inc.*<br>| 1.09% | 2.52% | 1.03% | 9.89% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Templeton Emerging Markets VIP Fund <br> — Class 2^^<br> *Templeton Asset Management Ltd.*<br> *Subadviser: Franklin Templeton* <br> *Investment Management Limited*<br>| 1.37% | 46.27% | 5.46% | 10.40% |

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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 capital <br> growth.<br>| &nbsp;&nbsp; Templeton Foreign VIP Fund — Class 2#<br> *Templeton Investment Counsel, LLC*<br>| 1.08% | 29.19% | 8.25% | 5.75% |
| Seeks high current income, <br> consistent with preservation <br> of capital, with capital <br> appreciation as a secondary <br> consideration.<br>| &nbsp;&nbsp; Templeton Global Bond VIP Fund — <br> Class 1#<br> *Franklin Advisers, Inc.*<br>| 0.50% | 16.09% | -0.69% | 0.11% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Janus Henderson Enterprise Portfolio — <br> Service Shares<br> *Janus Henderson Investors US LLC*<br>| 0.97% | 7.41% | 7.35% | 12.51% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Janus Henderson Global Research <br> Portfolio — Service Shares†<br> *Janus Henderson Investors US LLC*<br>| 1.07% | 20.60% | 12.23% | 12.64% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Janus Henderson Global Technology and <br> Innovation Portfolio — Service Shares<br> *Janus Henderson Investors US LLC*<br>| 0.97% | 24.84% | 13.44% | 21.18% |
| Seeks capital appreciation. | &nbsp;&nbsp; Janus Henderson Mid Cap Value Portfolio <br> — Service Shares#<br> *Janus Henderson Investors US LLC*<br>| 1.08% | 6.29% | 8.43% | 8.40% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Janus Henderson Overseas Portfolio — <br> Service Shares<br> *Janus Henderson Investors US LLC*<br>| 0.96% | 28.58% | 9.17% | 8.97% |
| Seeks capital appreciation. | &nbsp;&nbsp; ClearBridge Variable Growth Portfolio — <br> Class I<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.87% | 13.32% | 5.24% | 7.47% |
| Seeks to maximize total <br> return.<br>| &nbsp;&nbsp; Western Asset Variable Global High Yield <br> Bond Portfolio — 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 Pte. Ltd.*<br>| 0.81% | 9.96% | 2.56% | 5.33% |
| Seeks capital growth. | &nbsp;&nbsp; LVIP American Century Capital <br> Appreciation Fund — Standard Class II#<br> *Lincoln Financial Investments* <br>*Corporation (LFI)*<br> *Subadviser: American Century* <br> *Investment Management, Inc. (American* <br> *Century)*<br>| 0.79% | 6.72% | 5.16% | 11.47% |
| Seeks long-term capital <br> growth.<br>| &nbsp;&nbsp; LVIP American Century Ultra Fund — <br> Standard Class II#<br> *Lincoln Financial Investments* <br>*Corporation (LFI)*<br> *Subadviser: American Century* <br> *Investment Management, Inc. (American* <br> *Century)*<br>| 0.75% | 12.84% | 11.68% | 17.16% |

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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 capital <br> appreciation.<br>| &nbsp;&nbsp; LVIP ClearBridge Appreciation Fund — <br> Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.70% | 14.50% | 12.72% | 13.34% |
| Seeks dividend income, <br> growth of dividend income <br> and long-term capital <br> appreciation.<br>| &nbsp;&nbsp; LVIP ClearBridge Dividend Strategy Fund <br> — Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.75% | 12.62% | 11.86% | 12.46% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; LVIP ClearBridge Large Cap Growth <br> Fund — Class I#<br> *Legg Mason Partners Fund Advisor, LLC*<br> *Subadviser: ClearBridge Investments,* <br> *LLC*<br>| 0.74% | 8.62% | 10.57% | 14.46% |
| 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 capital appreciation. | &nbsp;&nbsp; MFS® Global Equity Series — Initial <br> Class#<br> *Massachusetts Financial Services* <br> *Company*<br>| 0.93% | 13.59% | 5.72% | 8.91% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS® New Discovery Series — Initial <br> Class#<br> *Massachusetts Financial Services* <br> *Company*<br>| 0.87% | 12.96% | -0.28% | 10.74% |
| Seeks total return with an <br> emphasis on high current <br> income, but also <br> considering capital <br> appreciation.<br>| &nbsp;&nbsp; MFS® High Yield Portfolio — Initial <br> Class#<br> *Massachusetts Financial Services* <br> *Company*<br>| 0.72% | 8.65% | 3.87% | 5.56% |
| Seeks high total return by <br> investing primarily in fixed <br> income securities of <br> government and <br> government-related issuers <br> and, to a lesser extent, of <br> corporate issuers in <br> emerging market countries.<br>| &nbsp;&nbsp; Emerging Markets Debt Portfolio — <br> Class I#<br> *Morgan Stanley Investment Management* <br>*Inc.*<br> *Subadviser: Morgan Stanley Investment* <br> *Management Limited*<br>| 1.10% | 15.33% | 2.70% | 4.51% |
| Seeks long-term capital <br> appreciation by investing <br> primarily in <br> growth-oriented equity <br> securities of issuers in <br> emerging market countries.<br>| &nbsp;&nbsp; Emerging Markets Equity Portfolio — <br> Class I#<br> *Morgan Stanley Investment Management* <br>*Inc.*<br> *Subadviser: Morgan Stanley Investment* <br> *Management Company*<br>| 1.25% | 32.96% | 4.37% | 7.27% |
| Seeks maximum real return <br> consistent with preservation <br> of real capital and prudent <br> investment management.<br>| &nbsp;&nbsp; PIMCO All Asset Portfolio — <br> Administrative Class#<br> *PIMCO*<br> *Subadviser: Research Affiliates, LLC*<br>| 2.13% | 14.20% | 5.60% | 6.77% |

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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 maximum real return, <br> consistent with prudent <br> investment management.<br>| &nbsp;&nbsp; PIMCO CommodityRealReturn® Strategy <br> Portfolio — Administrative Class#<br> *PIMCO*<br>| 3.19% | 18.79% | 10.55% | 6.54% |
| Seeks maximum total <br> return, consistent with <br> preservation of capital and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Long-Term U.S. Government <br> Portfolio — Administrative Class<br> *PIMCO*<br>| 2.48% | 6.15% | -6.82% | 0.01% |
| Seeks maximum total <br> return, consistent with <br> preservation of capital and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Low Duration Portfolio — <br> Administrative Class<br> *PIMCO*<br>| 0.66% | 5.52% | 1.57% | 1.79% |
| Seeks maximum total <br> return, consistent with <br> preservation of capital and <br> prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return Portfolio — <br> Administrative Class<br> *PIMCO*<br>| 0.73% | 8.89% | 0.02% | 2.36% |
| Seeks capital growth. <br> Current income is a <br> secondary objective.<br>| &nbsp;&nbsp; Putnam VT International Value Fund — <br> Class IB<br> *Putnam Investment Management, LLC*<br>| 1.06% | 34.68% | 12.49% | 8.86% |
| Seeks long-term capital <br> appreciation.<br>| &nbsp;&nbsp; Putnam VT Sustainable Leaders Fund — <br> Class IB†<br> *Putnam Investment Management, LLC*<br>| 0.88% | 10.69% | 10.34% | 14.69% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Royce Micro-Cap Portfolio — Investment <br> Class<br> *Royce Investment Partners*<br>| 1.22% | 13.89% | 9.17% | 10.14% |
| Seeks long-term growth of <br> capital.<br>| &nbsp;&nbsp; Royce Small-Cap Portfolio — Investment <br> Class<br> *Royce Investment Partners*<br>| 1.18% | 8.93% | 10.66% | 7.88% |
| Seeks capital appreciation <br> by investing in a diversified <br> portfolio of securities <br> consisting primarily of <br> common stocks.<br>| &nbsp;&nbsp; Victory Pioneer Mid Cap Value VCT <br> Portfolio — Class II#<br> *Victory Capital Management Inc.*<br>| 1.02% | 10.86% | 10.88% | 8.73% |

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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.

††

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

^^

Until May 1, 2026, the name of this Fund is Templeton Developing Markets VIP Fund.

Until May 1, 2026, the name of this Fund is American Funds International Fund.

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

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The prospectus, as supplemented, and statement of additional information ("SAI") dated April 29, 2019 include additional information. The prospectus, as supplemented, and SAI are available, without charge, upon request. For a free copy, call us at 877-887-3510 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/BHF98.

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

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 1-800-289-9999, 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 C000011937

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