# EDGAR Filing Document

**Accession Number:** 0000815915
**File Stem:** 0001193125-26-169051
**Filing Date:** 2026-4
**Character Count:** 40678
**Document Hash:** 82d0d672eb33e1df77f2d2dc8e703f80
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-169051.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-169051

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Brighthouse Variable Annuity Account C
- **CENTRAL INDEX KEY:** 0000815915

**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:** 333-200274
- **FILM NUMBER:** 26881626

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

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** METLIFE INVESTORS VARIABLE ANNUITY ACCOUNT ONE
- **DATE OF NAME CHANGE:** 20010416

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** COVA VARIABLE ANNUITY ACCOUNT ONE
- **DATE OF NAME CHANGE:** 19960314

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** XEROX VARIABLE ANNUITY ACCOUNT ONE
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### BRIGHTHOUSE VARIABLE ANNUITY ACCOUNT C (Series ID: S000005147)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000151869 | Class L (CA) |  |

![](g241874bhouse_logo.jpg)

**The Variable Annuity Contract**

**issued by**

**Brighthouse Life Insurance Company**

**and**

**Brighthouse Variable Annuity Account C**

**Class L**

**Disclosure Notice**

**April 27, 2026**

**A flexible premium deferred variable annuity contract** <br>

This Disclosure Notice provides certain updated information about your Class L Variable Annuity Contract (the "Contract" or "contract"), a flexible premium deferred variable annuity contract issued by Brighthouse Life Insurance Company ("BLIC", the "Company", or "we" or "us"). The Contract is no longer available for purchase.

Updated financial statements for BLIC and Brighthouse Variable Annuity Account C (the "Separate Account") are available, free of charge at https://dfinview.com/BHF/PUFT/BHF176. The Contract prospectus, dated November 9, 2006, as supplemented, is available and contains more information about the Contract including its features, benefits, and risks. You can obtain this information at no cost by calling (888) 243-1932 or by sending an email request to rcg@brighthousefinancial.com.

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

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

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

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
|  | **Page** |
| [Special Terms](#xx_08bb8662-af74-4a93-acc4-779bfce6d6b6_1) | 3  |
| [Updated Information You Should Consider About the Contract](#xx_08bb8662-af74-4a93-acc4-779bfce6d6b6_1) | 3  |
| [Important Information You Should Consider About the Contract](#xx_035f5e0f-84a4-4c0e-9ded-de47949b7bb8_1) | 5  |
| [APPENDIX A: Investment Options Available Under the Contract](#xx_4948a6bb-f0da-4ebf-8fab-90a26863bf36_1) | A-1  |
| [APPENDIX B: Investment Portfolios Available Under the Benefits Offered Under the Contract](#xx_5fb6df0b-abef-4c01-bd53-e0f811491140_1) | B-1 |

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**Special Terms** 

**Account Value.** The sum of your interests in the Investment Portfolios and the Fixed Account, including the Enhanced Dollar Cost Averaging account.

**Accumulation Phase.** The period in which earnings accumulate on a tax-deferred basis.

**Contract Year.** A Contract Year is defined as a one-year period starting on the date the Contract is issued and on each Contract anniversary thereafter.

**Fixed Account**. The Fixed Account is part of our general account and offers an interest rate that is guaranteed by us. Our general account consists of all assets owned by us other than those in the Separate Account and our other separate accounts.

**Investment Portfolios.** The means of investing offered to Contract owners in various underlying fund portfolios. May also be referred to as "Portfolio Company."

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

**Purchase Payment.** A Purchase Payment is the money you give us to invest in the Contract. The initial Purchase Payment is due on the date the Contract is issued. You may also be permitted to make subsequent Purchase Payments.

**Separate Account.** We have established Brighthouse Variable Annuity Account C to hold the assets that underlie the Contracts.

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

The information in this section of the Disclosure Notice is a summary of certain Contract features that have changed since the Disclosure Notice dated April 28, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

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

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

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

**Changes Affecting the Investment Portfolios**

**Portfolio Name Changes.** Certain Investment Portfolios were subject to a name change. The chart below identifies the former name and new name of these Investment Portfolios.

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| | |
|:---|:---|
| **Former Name** | **New Name** |
| **Brighthouse Funds Trust I** | **Brighthouse Funds Trust I** |
| SSGA Emerging Markets Enhanced Index Portfolio<br> SSGA Growth ETF Portfolio<br> SSGA Growth and Income ETF Portfolio <br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; State Street Emerging Markets Enhanced Index Portfolio<br> State Street Moderately Aggressive ETF Portfolio<br> State Street Moderate ETF Portfolio<br>|

---

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**Investment Portfolios**

&nbsp;&nbsp;&nbsp;&nbsp;•**Monitored Portfolios.** We monitor transfer activity in the following Investment Portfolios for purposes of imposing our restrictions on frequent transfers:

Baillie Gifford International Stock Portfolio

BlackRock High Yield Portfolio

Brighthouse Small Cap Value Portfolio

Brighthouse/Dimensional International Small Company Portfolio

Brighthouse/Eaton Vance Floating Rate Portfolio

CBRE Global Real Estate Portfolio

Harris Oakmark International Portfolio

Invesco Small Cap Growth Portfolio

Loomis Sayles Global Allocation Portfolio

MetLife MSCI EAFE<sup>®</sup> Index Portfolio

MetLife Russell 2000<sup>®</sup> Index Portfolio

MFS<sup>®</sup> Research International Portfolio

Neuberger Berman Genesis Portfolio

State Street Emerging Markets Enhanced Index Portfolio

Western Asset Management Strategic Bond Opportunities Portfolio

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

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| | | |
|:---|:---|:---|
|  | **Fees, Expenses, and Adjustments** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There** <br> **Charges or** <br> **Adjustments for** <br> **Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** If you withdraw money during the first 3 full Contract Years following <br> a Purchase Payment, you may be assessed a withdrawal charge of up to 7% <br> of the Purchase Payment withdrawn, declining to 0% over that time period.<br> For example, if you make an early withdrawal, you could pay a withdrawal <br> charge of up to $7,000 on a $100,000 investment. This loss will be greater if <br> there are taxes or tax penalties. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Expenses –**<br> **Withdrawal** <br> **Charge**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to withdrawal charges, you also may be charged for the <br> following transactions: transfers of cash value between investment options, <br> i.e., the Investment Portfolios.<br> *Transfer Fee*. Currently, we allow unlimited transfers among the investment <br> options without charge. However, we reserve the right to charge for transfers <br> after the first 12 transfers per year. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br>**Expenses –** <br> **Transfer Fee**<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;**Fees, Expenses, and Adjustments** **Location in** **Prospectus** 

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&nbsp;&nbsp;&nbsp;&nbsp;**Risks** **Location in** **Prospectus** 

&nbsp;&nbsp;&nbsp;&nbsp;**Restrictions** 

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&nbsp;&nbsp;&nbsp;&nbsp;**Restrictions** 

&nbsp;&nbsp;&nbsp;&nbsp;**Taxes** 

&nbsp;&nbsp;&nbsp;&nbsp;**Conflicts of Interest** 

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**APPENDIX A**

**Investment Options Available Under the Contract**

The following is a list of Investment Portfolios under the Contract. More information about the Investment Portfolios is available in the prospectuses for the Investment Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF176. You can also request this information at no cost by calling (888) 243-1932 or sending an email request to rcg@brighthousefinancial.com. Depending on the optional benefits you choose, you may not be able to invest in certain Investment Portfolios. See Appendix B: Investment Portfolios Available Under the Benefits Offered Under the Contract.

The current expenses and performance information below reflects fees and expenses of the Investment Portfolio, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Investment Portfolio's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objectives** | &nbsp;&nbsp; **Portfolio Company and**<br> ***Adviser/Sub-Adviser*** | &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 and <br> current income.<br>| &nbsp;&nbsp; AB Global Dynamic Allocation <br> Portfolio — Class B\*<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: AllianceBernstein L.P.*<br>| 0.92% | 11.56% | 3.05% | 4.77% |
| Seeks long-term capital appreciation. | &nbsp;&nbsp; Allspring Mid Cap Value <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Allspring Global* <br> *Investments, LLC*<br>| 1.00% | 5.77% | 9.59% | 9.11% |
| Seeks growth of capital. | &nbsp;&nbsp; American Funds<sup>®</sup> Aggressive <br> Allocation Portfolio — Class C‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br>| 0.99% | 19.90% | 9.30% | 10.88% |
| Seeks a balance between a high level <br> of current income and growth of <br> capital, with a greater emphasis on <br> growth of capital.<br>| &nbsp;&nbsp; American Funds<sup>®</sup> Balanced <br> Allocation Portfolio — Class C‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br>| 0.96% | 17.02% | 7.26% | 8.99% |
| Seeks to achieve growth of capital. | &nbsp;&nbsp; American Funds<sup>®</sup> Growth <br> Portfolio — Class C<br> *Brighthouse Investment Advisers,* <br> *LLC; Capital Research and* <br> *Management CompanySM*<br>| 0.90% | 19.88% | 13.02% | 17.60% |
| Seeks a high total return in the form <br> of income and growth of capital, <br> with a greater emphasis on income.<br>| &nbsp;&nbsp; American Funds<sup>®</sup> Moderate <br> Allocation Portfolio — Class C‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br>| 0.95% | 14.46% | 5.71% | 7.30% |
| Seeks capital appreciation and <br> current income.<br>| &nbsp;&nbsp; BlackRock Global Tactical Strategies <br> Portfolio — Class B#\*<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Financial* <br> *Management, Inc.*<br>| 0.94% | 11.44% | 3.54% | 5.10% |

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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 to maximize total return, <br> consistent with income generation <br> and prudent investment <br> management.<br>| &nbsp;&nbsp; BlackRock High Yield <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Financial* <br> *Management, Inc.*<br>| 0.88% | 8.93% | 4.68% | 6.35% |
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset Allocation 100 <br> Portfolio — Class B‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br>| 0.96% | 17.06% | 8.63% | 10.70% |
| Seeks a balance between a high level <br> of current income and growth of <br> capital, with a greater emphasis on <br> growth of capital.<br>| &nbsp;&nbsp; Brighthouse Balanced Plus <br> Portfolio — Class B\*<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Overlay Portion: Pacific* <br> *Investment Management Company* <br> *LLC*<br>| 1.17% | 11.95% | 1.31% | 5.83% |
| Seeks long-term capital appreciation. | &nbsp;&nbsp; Brighthouse Small Cap Value <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Allspring Global* <br> *Investments, LLC*<br>| 1.03% | -3.21% | 6.43% | 8.07% |
| Seeks a high level of current income. | &nbsp;&nbsp; Brighthouse/Eaton Vance Floating <br> Rate Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Eaton Vance* <br> *Management*<br>| 0.95% | 3.81% | 4.75% | 4.59% |
| Seeks a high level of current income, <br> while seeking preservation of <br> shareholders' capital.<br>| &nbsp;&nbsp; Brighthouse/Franklin Low Duration <br> Total Return Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Franklin Advisers, Inc.*<br>| 0.75% | 5.25% | 2.14% | 2.23% |
| Seeks total return through <br> investment in real estate securities, <br> emphasizing both capital <br> appreciation and current income.<br>| &nbsp;&nbsp; CBRE Global Real Estate <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: CBRE Investment* <br> *Management Listed Real Assets* <br> *LLC*<br>| 0.91% | 6.75% | 4.03% | 3.95% |
| Seeks long-term capital appreciation. | &nbsp;&nbsp; Harris Oakmark International <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Harris Associates L.P.*<br>| 0.97% | 32.78% | 6.46% | 6.74% |
| Seeks total return. | &nbsp;&nbsp; Invesco Balanced-Risk Allocation <br> Portfolio — Class B#\*<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.97% | 13.14% | 3.77% | 5.80% |

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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 growth and income. | &nbsp;&nbsp; Invesco Comstock <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.81% | 17.31% | 15.15% | 11.83% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Invesco Small Cap Growth <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Invesco Advisers, Inc.*<br>| 0.99% | 5.83% | -0.91% | 9.00% |
| Seeks to maximize total return. | &nbsp;&nbsp; JPMorgan Core Bond <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: J.P. Morgan Investment* <br> *Management Inc.*<br>| 0.70% | 6.95% | -0.19% | 2.02% |
| Seeks capital appreciation and <br> current income.<br>| &nbsp;&nbsp; JPMorgan Global Active Allocation <br> Portfolio — Class B#\*<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: J.P. Morgan Investment* <br> *Management Inc.*<br>| 0.98% | 13.92% | 3.68% | 5.77% |
| Seeks high total investment return <br> through a combination of capital <br> appreciation and income.<br>| &nbsp;&nbsp; Loomis Sayles Global Allocation <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Loomis, Sayles &* <br> *Company, L.P.*<br>| 1.04% | 12.59% | 6.25% | 9.22% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Loomis Sayles Growth <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Loomis, Sayles &* <br> *Company, L.P.*<br>| 0.80% | 14.90% | 14.77% | 13.91% |
| Seeks a balance between growth of <br> capital and current income, with a <br> greater emphasis on growth of <br> capital.<br>| &nbsp;&nbsp; MetLife Multi-Index Targeted Risk <br> Portfolio — Class B\*<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Overlay Portion:* <br> *MetLife Investment Management,* <br> *LLC*<br>| 0.62% | 9.08% | 2.93% | 5.31% |
| Seeks capital appreciation. | &nbsp;&nbsp; MFS<sup>®</sup> Research International <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.81% | 22.41% | 5.54% | 7.57% |
| Seeks total return. | &nbsp;&nbsp; PanAgora Global Diversified Risk <br> Portfolio — Class B#\*<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: PanAgora Asset* <br> *Management, Inc.*<br>| 1.01% | 19.84% | 0.66% | 5.01% |

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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 of <br> capital and prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Inflation Protected Bond <br> Portfolio — Class B<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 1.38% | 7.74% | 1.15% | 3.09% |
| Seeks maximum total return, <br> consistent with the preservation of <br> capital and prudent investment <br> management.<br>| &nbsp;&nbsp; PIMCO Total Return <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Pacific Investment* <br> *Management Company LLC*<br>| 0.83% | 8.90% | -0.07% | 2.30% |
| Seeks capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Schroders Global Multi-Asset <br> Portfolio — Class B#\*<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Schroder Investment* <br> *Management North America Inc.*<br>| 0.96% | 9.85% | 4.28% | 5.28% |
| Seeks to provide total return, <br> primarily through capital <br> appreciation.<br>| &nbsp;&nbsp; State Street Emerging Markets <br> Enhanced Index <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc*<br>| 0.80% | 34.14% | 6.04% | —  |
| Seeks growth of capital and income. | &nbsp;&nbsp; State Street Moderate ETF <br> Portfolio — Class B‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc.*<br>| 0.75% | 16.78% | 7.19% | 7.85% |
| Seeks growth of capital. | &nbsp;&nbsp; State Street Moderately Aggressive <br> ETF Portfolio — Class B‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: SSGA Funds* <br> *Management, Inc.*<br>| 0.78% | 19.23% | 9.01% | 9.31% |
| Seeks long-term capital appreciation <br> by investing in common stocks <br> believed to be undervalued. Income <br> is a secondary objective.<br>| &nbsp;&nbsp; T. Rowe Price Large Cap Value <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.78% | 12.05% | 10.28% | 10.09% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; T. Rowe Price Mid Cap Growth <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br> *Sub-Subadviser: T. Rowe Price* <br> *Investment Management, Inc.*<br>| 0.95% | 3.42% | 3.83% | 9.77% |

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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 high total return by investing <br> in equity securities of mid-sized <br> companies.<br>| &nbsp;&nbsp; Victory Sycamore Mid Cap Value <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Victory Capital* <br> *Management Inc.*<br>| 0.85% | 2.29% | 9.62% | 9.58% |
| Seeks a high level of current income, <br> consistent with preservation of <br> principal.<br>| &nbsp;&nbsp; Western Asset Management <br> Government Income <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.74% | 7.21% | -1.27% | 1.21% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Baillie Gifford International Stock <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Baillie Gifford Overseas* <br> *Limited*<br>| 0.99% | 18.96% | 0.70% | 7.34% |
| Seeks a high level of current income <br> consistent with prudent investment <br> risk and preservation of capital.<br>| &nbsp;&nbsp; BlackRock Ultra-Short Term Bond <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: BlackRock Advisors,* <br> *LLC*<br>| 0.62% | 3.89% | 2.83% | 1.85% |
| Seeks a high level of current income, <br> with growth of capital as a <br> secondary objective.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 20 <br> Portfolio — Class B#‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br>| 0.93% | 9.25% | 2.06% | 3.97% |
| Seeks high total return in the form of <br> income and growth of capital, with a <br> greater emphasis on income.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 40 <br> Portfolio — Class B‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br>| 0.91% | 11.50% | 3.84% | 5.69% |
| Seeks a balance between a high level <br> of current income and growth of <br> capital, with a greater emphasis on <br> growth of capital.<br>| &nbsp;&nbsp; Brighthouse Asset Allocation 60 <br> Portfolio — Class B‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br>| 0.91% | 13.77% | 5.55% | 7.47% |
| Seeks growth of capital. | &nbsp;&nbsp; Brighthouse Asset Allocation 80 <br> Portfolio — Class B‡<br> *Brighthouse Investment Advisers,* <br> *LLC*<br>| 0.93% | 15.63% | 7.18% | 9.22% |
| Seeks long-term capital growth. | &nbsp;&nbsp; Brighthouse/Artisan Mid Cap Value <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Artisan Partners Limited* <br> *Partnership*<br>| 1.03% | 1.57% | 6.77% | 8.05% |
| Seeks long-term capital appreciation. | &nbsp;&nbsp; Brighthouse/Dimensional <br> International Small Company <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Dimensional Fund* <br> *Advisors LP*<br>| 1.03% | 35.85% | 8.30% | 8.14% |

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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 provide a growing stream of <br> income over time and, secondarily, <br> long-term capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.87% | 7.54% | 8.02% | 10.45% |
| Seeks to provide a growing stream of <br> income over time and, secondarily, <br> long-term capital appreciation and <br> current income.<br>| &nbsp;&nbsp; Brighthouse/Wellington Core Equity <br> Opportunities Portfolio — Class E††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Wellington Management* <br> *Company LLP*<br>| 0.77% | 7.65% | 8.13% | 10.56% |
| Seeks maximum capital <br> appreciation.<br>| &nbsp;&nbsp; Frontier Mid Cap Growth <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Frontier Capital* <br> *Management Company, LLC*<br>| 0.94% | 4.90% | 3.52% | 9.88% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; Jennison Growth <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Jennison Associates LLC*<br>| 0.79% | 13.72% | 10.01% | 16.41% |
| Seeks to track the performance of <br> the Bloomberg U.S. Aggregate Bond <br> Index.<br>| &nbsp;&nbsp; MetLife Aggregate Bond Index <br> Portfolio — Class G#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.56% | 6.79% | -0.92% | 1.46% |
| Seeks to track the performance of <br> the Standard & Poor's MidCap <br> 400<sup>®</sup> Composite Stock Price Index.<br>| &nbsp;&nbsp; MetLife Mid Cap Stock Index <br> Portfolio — Class G<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.60% | 6.82% | 8.48% | 10.10% |
| Seeks to track the performance of <br> the MSCI EAFE<sup>®</sup> Index.<br>| &nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index <br> Portfolio — Class G<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.67% | 30.71% | 8.30% | 7.71% |
| Seeks to track the performance of <br> the Russell 2000<sup>®</sup> Index.<br>| &nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index <br> Portfolio — Class G<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.60% | 12.37% | 5.68% | 9.22% |
| Seeks to track the performance of <br> the Standard & Poor's 500<sup>®</sup> <br> Composite Stock Price Index.<br>| &nbsp;&nbsp; MetLife Stock Index <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: MetLife Investment* <br> *Management, LLC*<br>| 0.52% | 17.28% | 13.84% | 14.24% |

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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; MFS<sup>®</sup> Value Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Massachusetts Financial* <br> *Services Company*<br>| 0.83% | 13.00% | 9.84% | 9.99% |
| Seeks high total return, consisting <br> principally of capital appreciation.<br>| &nbsp;&nbsp; Neuberger Berman Genesis <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Neuberger Berman* <br> *Investment Advisers LLC*<br>| 1.06% | -4.74% | 2.62% | 8.86% |
| Seeks long-term growth of capital. | &nbsp;&nbsp; T. Rowe Price Large Cap Growth <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: T. Rowe Price* <br> *Associates, Inc.*<br>| 0.81% | 15.45% | 9.37% | 14.10% |
| Seeks to maximize total return <br> consistent with preservation of <br> capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.82% | 8.88% | 1.17% | 3.77% |
| Seeks to maximize total return <br> consistent with preservation of <br> capital.<br>| &nbsp;&nbsp; Western Asset Management Strategic <br> Bond Opportunities <br> Portfolio — Class E††<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.72% | 8.95% | 1.27% | 3.88% |
| Seeks to maximize total return <br> consistent with preservation of <br> capital and maintenance of liquidity.<br>| &nbsp;&nbsp; Western Asset Management <br> U.S. Government <br> Portfolio — Class B#<br> *Brighthouse Investment Advisers,* <br> *LLC*<br> *Subadviser: Western Asset* <br> *Management Company LLC*<br>| 0.75% | 6.81% | 0.35% | 1.57% |

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#

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

‡

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

\*

This Investment Portfolio is managed in a way that is intended to minimize volatility of returns (referred to as a "managed volatility strategy"). See "Investment Options" section in the prospectus.

††

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

The following lists information on the Fixed Account option. We may change the features of the Fixed Account listed below, offer new Fixed Account investment options, and terminate existing Fixed Account investment options. We will provide you with written notice before doing so.

**Allocations and/or transfers to the Fixed Account are not available at this time.** 

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| | |
|:---|:---|
| **Name** | **Guaranteed Minimum Interest Rate** |
| Fixed Account | 1% |

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**APPENDIX B**

**Investment Portfolios Available Under the Benefits Offered Under the Contract**

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

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| |
|:---|
| **Optional Benefit** |
| GMIB Plus\* |
| Lifetime Withdrawal Guarantee<br> (LWG)<br>|
| Guaranteed Minimum Accumulation Benefit\*<br> (GMAB)<br>|

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\* You may not allocate Purchase Payments to the Standard Dollar Cost Averaging Program if you elect any of these optional benefits.

**Investment Allocation and Other Purchase Payment Restrictions for the Guaranteed Minimum Income Benefit GMIB Plus Rider**

**GMIB Plus**. If you elect the GMIB Plus rider you may allocate your Purchase Payments and Account Value among the following Investment Portfolios:

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

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

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

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**Investment Allocation and Other Purchase Payment Restrictions for Lifetime Withdrawal Guarantee Rider.**

**Lifetime Withdrawal Guarantee**. If you elect the Lifetime Withdrawal Guarantee rider, you are limited to allocating your Purchase Payments and Account Value among the Fixed Account (if available) and the following Investment Portfolios:

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

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

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| |
|:---|
| Brighthouse Asset Allocation 40 Portfolio |
| Brighthouse Asset Allocation 60 Portfolio |
| Brighthouse Asset Allocation 80 Portfolio |
| Invesco Balanced-Risk Allocation Portfolio |
| JPMorgan Global Active Allocation Portfolio |
| MetLife Aggregate Bond Index Portfolio |
| MetLife Multi-Index Targeted Risk Portfolio |
| PanAgora Global Diversified Risk Portfolio |

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Schroders Global Multi-Asset Portfolio <br> State Street Moderate ETF Portfolio

State Street Moderately Aggressive ETF Portfolio <br> Western Asset Management Government Income Portfolio

**Investment Allocation and Other Purchase Payment Restrictions for the Guaranteed Minimum Accumulation Benefit**.

**GMAB Rider**. If you elected the GMAB rider, we required you to allocate your Purchase Payments and all of your Account Value to <u>one</u> of three Investment Portfolios. No transfers are permitted while this rider is in effect. Effective April 28, 2014, the three Original Investment Portfolios merged into two Investment Portfolios as follows:

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

Brighthouse Asset Allocation 40 Portfolio<br>

Brighthouse Asset Allocation 60 Portfolio<br>

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![](g241874bhouse_logo.jpg)

The prospectus, as supplemented, and statement of additional information ("SAI"), dated November 9, 2006, include additional information. The prospectus, as supplemented, and SAI are available, without charge, upon request. For a free copy, call us at (888) 243-1932, or send an email request to rcg@brighthousefinancial.com. You can also access other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF176.

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

The 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 C000151869

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