Visit Financial Professionals site Log In Help Center Home Products Education About Us Shield® Level Annuities A Brighthouse Shield® Level Annuity is an index-linked annuity, which means it doesn’t invest directly in the markets. Instead, it offers growth opportunities by tracking the performance of a market index. Can a Shield Level annuity be right for you? Kristin shares why she chose a Shield annuity for her portfolio. Diversify your retirement portfolio with a Shield Level annuity. Protect retirement assets A Brighthouse Shield Level Annuity provides a level of protection to help ensure that losses are limited when markets turn volatile. Participate in growth opportunities With a Shield annuity, balance is built in. This means that even with a guaranteed level of protection, there are opportunities to take advantage of market growth. Pay no annual fees Unlike many financial products, there are no annual fees with a Shield annuity.1 For the best experience, the Shield Annuities Tool is best viewed on a Tablet or Desktop How It Works Your Shield annuity can be tailored to your needs by answering four questions: 1. What index or indices do you want to track? Choose from three well-known market indices to track performance: S&P 500® Index (large cap), Russell 2000® Index (small cap), and the MSCI EAFE Index (international stocks).A,B,C 2. How much protection do you want? A Shield annuity offers a built-in level of protection called the Shield Rate.2 This protects your assets from some of the losses that can derail a portfolio. 3. How much growth potential do you want? Select the Cap Rate or Step Rate. The Cap Rate “caps” growth at a set percentage at the end of the term. The Step Rate credits a predetermined percentage of growth to your account at the end of the term – even if your selected index is flat.3 4. How long do you want to invest? Select the term, which is how long you want to invest. At the end of each term, the index value at the beginning and end of the term will be compared – factoring in the level of protection as well as the Cap Rate or Step Rate – which will result in a new account value. More About Shield Annuities Scott and Linda’s Journey Come along on a scenic journey that explains how a Shield Level annuity works. Shield Level annuities are worth exploring. Take a look at our resources to learn how Shield annuities can help you reach your retirement goals. Are you a financial professional? View related materials created for financial professionals. Understanding the Market’s Impact Historical Price Returns Customize a Solution Product Brochure Resources Specific to Nebraska, New York, and Virginia Customize a Solution Product Brochure Additional Information Shield Annuity Rates Fees and Charges Brighthouse Shield® Level Select 6-Year Annuity Brighthouse Shield® Level Select 3-Year Annuity Brighthouse Shield® Level Select Advisory Annuity Education and Resources Shield Annuity Rates Get the current rates for all Shield annuity products here. Our rates generally update on the 1st and the 15th of each month. Go to Rates Performance Lock Brochure Our Performance Lock feature, which is available on Shield Options with a Cap Rate, allows you to lock positive index performance once during your term.4 Read the Brochure Take the Next Step Talk to your financial professional about whether a Shield Level annuity is right for you, or to learn more about purchasing this product. Here are some questions to help you start the conversation: 1. Does a Shield annuity fit my needs? 2. What if I need to use the money for something else before my term is over? 3. What percentage of my retirement assets should I invest in a Shield annuity? 4. How have the indices a Shield annuity tracks performed in the past? 5. Can I split my investment between more than one index? Use the 360° Market Guide to better understand the market’s potential impact. View Guide This Brighthouse Financial product can only be purchased through a licensed financial professional. Don’t have a financial professional? Learn more about working with a financial professional. Brighthouse Financial® is on a mission to help people achieve financial security. Trusted by over 2 million customers and with 2 million annuity contracts and life insurance policies in force, Brighthouse Financial® is proud to be a FORTUNE® 500 company and one of the largest providers of annuities and life insurance in the U.S.5 See Our Story 1 Withdrawals of taxable amounts are subject to ordinary income tax. Withdrawals made before age 59½ may also be subject to a 10% federal income tax penalty. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Net Investment Income Tax that is generally imposed on interest, dividends, and annuity income if the modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the death benefit and account value. Withdrawals may be subject to withdrawal charges. 2 You could see a substantial loss if the index declines more than your level of protection. Not all Shield annuity products offer the same Shield Options. 3 Please visit brighthousefinancial.com for current rates, which generally update every two weeks. 4 Once the Performance Lock takes effect, a Performance Lock Factor applies in the calculation of Interim Value prior to the end of the term and the calculation of the investment amount at the end of the term. The Performance Lock Factor will result in a reduction of the Interim Value, and the client may receive less than they would have received had the Performance Lock not been in effect. The index value of the selected index may increase above the Locked Index Value; however, this higher index value will not be utilized in the calculation of your investment amount at the end of the term. Performance Lock is not available on Shield Options with a Step Rate. Performance Lock is only available for contracts issued by Brighthouse Life Insurance Company, based on applications received on or after 08/02/2021. This feature is not available in New York. 5 Data as of June 30, 2020. From FORTUNE© 2021 Fortune Media IP Limited. FORTUNE and FORTUNE 500 are registered trademarks of Fortune Media IP Limited and are used under license. FORTUNE and Fortune Media IP Limited are not affiliated with, and do not endorse the products or services of, Brighthouse Financial. Ranked by 2020 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. A.M. Best, 2021. A The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Brighthouse Financial. Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Brighthouse Financial. Brighthouse Financial products are not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates; and none of such parties make any representation regarding the advisability of investing in such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. B The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by affiliates of Brighthouse Financial, Inc. This annuity product is not sponsored, endorsed, sold, or promoted by Russell Investments, and Russell Investments makes no representation regarding the advisability of investing in this annuity product. C These annuity products are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or securities, or any index on which such products or securities are based. The annuity product prospectuses contains a more detailed description of the limited relationship MSCI has with affiliates of Brighthouse Financial, Inc. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax, or accounting advice. Clients should confer with their qualified legal, tax, and accounting professionals as appropriate. All guarantees, including any optional benefits, are subject to the claims-paying ability and financial strength of Brighthouse Financial. Each issuing insurance company is solely responsible for its own financial condition and contractual obligations. Shield® Level annuities are index-linked annuities issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277, on Policy Form L-22494 (09/12)-AV and, for products issued in New York, by Brighthouse Life Insurance Company of NY, New York, NY 10017, on Policy Form ML-22494 (09/12) (“Brighthouse Financial”). These products are distributed by Brighthouse Securities, LLC (member FINRA). All are Brighthouse Financial affiliated companies. The contract prospectus and contract contain information about the contract’s features, risks, charges, expenses, exclusions, limitations, termination provisions, and terms for keeping the contract in force. Prospectuses and complete details about the contract are available from a financial professional and should be read carefully. Product availability and features may vary by state or firm. Need Help? Visit our Support Center About Us Investor Relations Newsroom Careers Supplier Program Connect with Us Facebook Twitter LinkedIn YouTube Accessibility Manage Your Preferences Unclaimed Policy Finder Privacy Statement Terms of Use For Victims of Domestic Violence Fraud Reporting © 2021 Brighthouse Financial, Inc. Brighthouse Financial® and its design are registered trademarks of Brighthouse Financial, Inc. and/or its affiliates. Brighthouse Financial is the brand name for Brighthouse Life Insurance Company, Brighthouse Life Insurance Company of NY, and New England Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277 and, in New York only, by Brighthouse Life Insurance Company of NY, New York, NY 10017 (“Brighthouse Financial”). Variable products are distributed by Brighthouse Securities, LLC (member FINRA). All are Brighthouse Financial affiliated companies. In this material, the terms “advisor” and “financial advisor” are used as general references to licensed insurance professionals and are not intended to indicate whether the licensed insurance professional is a Registered Investment Advisor or is otherwise authorized under the law to provide financial advice.