Summary Prospectus for New Investors by Investment Company (Form 497VPI)

TABLE OF CONTENTS 

	Page
Glossary	3
Important Information You Should Consider About the Contract	5
Overview of the contract	7
Benefits Available Under the Contract	9
Buying the Contract	11
Making Withdrawals: Accessing the Money in Your Contract	12
Additional Information About Fees	13
Appendix A: Investment Options Available Under the Contract	A-1

Glossary

Accumulation Period - the period before the commencement of Annuity Payments.

Annuitant - a person on whose life the Maturity Date depends and Annuity Payments are made. The Maturity Date is the date on which Annuity Payments are to begin.

Annuity - payment of income for a stated period or amount.

Annuity Payments - a series of periodic payments (i) for life; (ii) for life with a minimum number of payments; (iii) for the joint lifetime of the Annuitant and another person, and thereafter during the lifetime of the survivor; or (iv) for a fixed period.

Annuity Period - the period following commencement of Annuity Payments.

Beneficiary(ies) - the person(s) or trustee designated to receive any remaining contractual benefits in the event of a Participant's, Annuitant's or Contract Owner's death, as applicable.

Business Day - a day on which the New York Stock Exchange ("NYSE") is open for business.

Cash Surrender Value- the Contract Value less any amounts deducted upon a withdrawal or surrender, outstanding loans, if available under the Contract, any applicable Premium Taxes or other surrender charges not previously deducted.

Code - the Internal Revenue Code of 1986, as amended, and all related laws and regulations that are in effect during the term of this Contract.

Company (We, Us, Our) - Brighthouse Life Insurance Company.

Contract - for convenience, means the Contract or Certificate (i.e., the document issued to Participants under a master group Contract). Any reference to the Contract includes the underlying Certificate unless the context provides otherwise.

Contract Owner - the person named in the Contract (on the specifications page). For certain group Contracts, the Contract Owner is the trustee or other entity which owns the Contract.

Contract Value - the value of Your Accumulation Units less any reductions for administrative charges. An Accumulation Unit is an accounting unit of measure used to calculate Contract Values before Annuity Payments begin.

Contract Year - twelve-month periods beginning with the Contract Date, or any anniversary thereof. The Contract Date is the date on which the Contract is issued. For certain group Contracts, it is the date on which the Contract becomes effective, as shown on the specifications page of the Contract.

Fixed Account - an account that consists of all of the assets under the Contract other than those in the Separate Account. The Fixed Account investment option is described in the Contract's prospectus.

Fixed Annuity - an Annuity payout option with payments which remain fixed as to dollar amount throughout the payment period and which do not vary with the investment experience of a Separate Account.

Funding Options - the variable investment options to which Purchase Payments under the Contract may be allocated. Funding Options are also referred to as "Subaccounts."

Good Order - A request or transaction generally is considered in "Good Order" if it complies with Our administrative procedures and the required information is complete and accurate. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by Us of the instructions relating to the requested transaction in writing (or, when permitted, by telephone or Internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. We may, in Our sole discretion, determine whether any particular transaction request is in Good Order , and We reserve the right to change or waive any Good Order requirement at any time.

Home Office - the Home Office of Brighthouse Life Insurance Company, 11225 North Community House Road, Charlotte, NC 28277, or any other office that We may designate for the purpose of administering this Contract. Unless We designate a different office, the office that administers the Contract is located at P.O. Box 4261, Clinton, IA 52733-4261.

Participant - an individual participating under a group Contract or an eligible person who is a member in the Plan.

Plan - for a group Contract, the Plan or the arrangement used in a retirement Plan or program whereby Purchase Payments and any gains are intended to qualify under Section 401, 403, or 457 of the Code.

Plan Administrator - the corporation or other entity so specified on the application or purchase order. If none is specified, the Plan Trustee is the Plan Administrator.

Plan Trustee - the trustee specified in the Contract specifications.

Premium Tax - the amount of tax, if any, charged by the state or municipality on Purchase Payments.

Purchase Payments - the premium payment(s) applied to the Contract.

Separate Account - a segregated account, the assets of which are invested solely in the Underlying Funds. The assets of the Separate Account are held exclusively for the benefit of Contract Owners.

Subaccount - that portion of the assets of a Separate Account that is allocated to a particular Underlying Fund. Subaccounts are also referred to as "Funding Options."

Underlying Fund - a portfolio of an open-end management investment company in which You may invest through the Separate Account. May also be referred to as Portfolio Company.

Variable Annuity - an Annuity payout option providing for payments varying in amount in accordance with the investment experience of the assets held in the underlying securities of the Separate Account.

You, Your - "You," depending on the context, may be the Certificate holder, the Participant or the Contract Owner and a natural person, a trust established for the benefit of a natural person or a charitable remainder trust, or a Plan (or the employer purchaser who has purchased the Contract on behalf of the Plan).

Important Information You Should Consider About the Contract  

	Fees, Expenses, and Adjustments				Location in Prospectus
Are There Charges for Early Withdrawals?	Yes. If You withdraw money during the first 5 years following a Purchase Payment, You may be assessed a withdrawal charge of 5%, as a percentage of the Purchase Payment withdrawn. For example, if You make an early withdrawal, You could pay a withdrawal charge of up to $5,000 on a $100,000 investment. This loss will be greater if there are taxes or tax penalties.				Fee Table and Examples   Charges and Deductions - Withdrawal Charge
Are There Transaction Charges?	Yes. In addition to charges for early withdrawals, You may also be charged for other transactions. There may be taxes on Purchase Payments. Transfer Fee. Currently, We do not charge for transfers. However, We reserve the right to charge for transfers after the first 12 transfers per year.				Fee Table and Examples   Charges and Deductions
Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that You may pay each year, depending on the investment options You choose. Please refer to Your Contract specifications page for information about the specific fees You will pay each year based on the options You have elected.				Fee Table and Examples   Charges and Deductions   Appendix A: Investment Options Available Under the Contract
	Annual Fee	Minimum		Maximum
	Base Contract1	1.29%		1.29%
	Portfolio Company fees and expenses2	0.27%		1.37%
	1 As a percentage of average net assets of the Separate Account. The charge shown also includes the Administrative Expense. 2 As a percentage of Underlying Fund assets before temporary expense reimbursements and/or fee waivers.
	Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs.
	Lowest Annual Cost $1,425		Highest Annual Cost $2,345
	Assumes:		Assumes:
	●Investment of $100,000 ●5% annual appreciation ●Least expensive Portfolio Company fees and expenses ●No withdrawal charges ●No additional Purchase Payments, transfers, loans, or withdrawals		●Investment of $100,000 ●5% annual appreciation ●Most expensive Portfolio Company fees and expenses ●No withdrawal charges ●No additional Purchase Payments, transfers, loans, or withdrawals

	Restrictions				Location in Prospectus
Are There Any Restrictions on Contract Benefits?	●Yes. ●You must select a specific Annuity option to exercise the Variable Liquidity Benefit during the Annuity Period. ●Withdrawals will reduce the value of the death benefit, perhaps significantly. ●Withdrawals may reduce the value of an optional benefit by an amount greater than the value withdrawn, which could significantly reduce the value or even terminate the benefit. ●We may stop offering this optional benefit at any time for new sales. ●Except as otherwise provided, Contract benefits may not be modified or terminated by Us. ●The availability of benefits may vary by employer or Plan administrator. You should reference Your Plan documents or speak with Your employer or Plan administrator for the benefits available to You. ●Certain optional benefits may vary by selling firm.				Death Benefit   Payment Options - Variable Liquidity Benefit
	Taxes
What Are the Contract's Tax Implications?	●Consult with a tax professional to determine the tax implications of an investment in and payments received under this Contract. ●If You purchase the Contract through a tax-qualified plan or individual retirement account, You do not get any additional tax benefit. ●You will generally not be taxed on increases in the value of the Contract until they are withdrawn. Withdrawals will be subject to ordinary income tax, and may be subject to tax penalties if You take a withdrawal before age 59 ½.				Federal Tax Considerations
	Conflicts of Interest
How Are Investment Professionals Compensated?	Investment professionals may receive compensation for selling this Contract in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. This conflict of interest may influence an investment professional to recommend this Contract over another investment for which the investment professional is not compensated or compensated less.				Other Information - Distribution of the Contracts
Should I Exchange My Contract?	If You already own an insurance contract, some investment professionals may have a financial incentive to offer You a new contract in place of the one You own. You should only exchange a contract you already own if You determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is better for You to purchase the new contract rather than continue to own Your existing contract.				Other Information - Exchanges

Overview of the contract

Purpose. The Contract is a Variable Annuity Contract, which is available on both a group and individual basis. It provides a means for investing in Our Fixed Account and the Funding Options, together "investment options." The Contract is designed generally for an investor who intends to hold the Contract for a long period of time and then use the Contract Value (in the form of Annuity Payments or certain withdrawals) for retirement saving or other long-term investment purposes. The Contract is used in connection with (1) individual non-qualified purchases; (2) rollovers from individual retirement annuities; (3) rollovers from other qualified retirement Plans; and (4) Beneficiary-directed transfers of death proceeds from another Contract. The Contract has various features and benefits that may be appropriate for You based on Your financial situation and objectives. The Contract includes certain death benefit features, which can be used to transfer assets to Your Beneficiaries. If You are investing in this Contract through a Plan or individual retirement account, it does not provide any additional tax deferral benefits beyond those provided by the Plan or individual retirement account. Accordingly, if You are investing in this Contract through a Plan or individual

retirement account, You should consider investing in the Contract for its death benefit, Annuity option benefits or other non-tax related benefits. Your financial goal in acquiring the Contract should take into account the fact that there are withdrawal charges under the Contract. Because of the withdrawal charge (which is in effect for many years) and the possibility of income tax and tax penalties on early withdrawals, the Contract should not be viewed as an investment vehicle offering low cost liquidity. Your financial goal in acquiring the Contract should focus on a long-term insurance product, offering the prospect of investment growth.

Phases of the Contract. The Contract has two phases: The Accumulation Period and the Annuity Period. During the Accumulation Period, earnings accumulate on a tax-deferred basis and are taxed as income when You make a withdrawal. To help You accumulate assets during the Accumulation Period, You can invest Your Purchase Payments and Contract Value in: (1) Funding Options available under the Contract, each of which has an Underlying Fund with its own investment strategies and risks; investment adviser(s); expense ratio; and performance history; and (2) the Fixed Account option, which guarantees principal and interest.

Additional information about each investment option in which You can invest is provided in Appendix A.

The Annuity Period occurs when You begin receiving Annuity Payments from Your Contract. The amount of money You accumulate in Your Contract during the Accumulation Period factors into the amount of income You receive during the Annuity Period. You may choose one of a number of Annuity options: You may receive income payments in the form of a Variable Annuity, a Fixed Annuity, or a combination of both. In general, You are unable to take withdrawals during the Annuity Period. There is no death benefit during the Annuity Period; however, depending on the Annuity option You elect, any remaining guarantee upon death may be paid to Your Beneficiary(ies).

Contract Features. The following is a brief description of the Contract's primary features.

Subject to Plan Terms. If You participate through a retirement Plan or other group arrangement, the Contract may provide that all or some of Your rights or choices are subject to the Plan's terms. For example, limitations on Your rights may apply to Funding Options, Purchase Payments, withdrawals, transfers, loans, the death benefit and Annuity options.

Accessing Your Money. Before You annuitize the Contract, You can withdraw money from Your Contract at any time. If You take a withdrawal, You may have to pay a withdrawal charge and/or income taxes, including a tax penalty if You are younger than age 59½. Withdrawals could significantly reduce the value of your Contract, the death benefit, the amount available for loans, and other Contract benefits. The reduction may be more than the amount withdrawn.

Tax Treatment. You can transfer money among investment options without tax implications, and earnings (if any) on Your investments are generally tax-deferred. You are only subject to tax upon: (1) making a withdrawal; (2) receiving a payment from Us; or (3) payment of a death benefit.

Death Benefit. The Contract includes, at no additional cost, a standard death benefit that will pay a death benefit to the Beneficiary(ies) if You die during the Accumulation Period. The death benefit is at least equal to the Contract Value (less any amounts due such as a Premium Tax or outstanding loan amounts), and may be greater under certain circumstances.

Variable Liquidity Benefit. If You elect the Annuity option "Payments for a Fixed Period (Term Certain)" for the Annuity Period, You may exercise the Variable Liquidity Benefit during the Annuity Period. This benefit allows You to take withdrawals during the Annuity Period based on the present value of Your remaining Annuity Payments. Such withdrawals may significantly reduce or eliminate remaining Annuity Payments and may be subject to withdrawal charges.

Additional Services.

Benefits Available Under the Contract

The following table summarizes information about the benefits under the Contract. 

Name of Benefit	Purpose	Standard or Optional	Maximum Fee	Brief Description of Restrictions / Limitations
Dollar Cost Averaging (DCA) Program	Allows You to systematically transfer a set amount from a Funding Option or the Fixed Account (if available) to one or more Funding Options on a monthly or quarterly basis	Standard	No Charge	●Available only during the Accumulation Period ●Must have a minimum total Contract Value of $5,000 to enroll ●Minimum transfer amount is $400 ●Fixed Account Value must not be depleted in less than 12 months from date of enrollment ●May only have one DCA program in place at one time
Special Dollar Cost Averaging (DCA) Program	Allows You to systematically make level transfers from the Fixed Account (if available) to one or more Funding Options over a 6-month or 12-month duration	Standard	No Charge	●Available only during the Accumulation Period ●Fixed Account must be available for investment ●Must have a minimum total Contract Value of $5,000 to enroll ●Minimum transfer amount is $400 ●May only have one DCA program in place at one time ●Interest rates credited on amounts in the Fixed Account may differ for 6-month and 12-month durations
Systematic Withdrawal Program	Allows You to receive regular automatic withdrawals from Your Contract	Standard	No Charge	●Each payment must be at least $50 ●Withdrawals may only be on a monthly, quarterly, semi-annual, or annual basis ●Must provide at least 30 days' notice to change instructions ●Upon 30 day written notice, We may discontinue this feature at any time. ●We reserve the right to charge a processing fee in the future. If we do so, we will inform in writing 30 days in advance.

Name of Benefit	Purpose	Standard or Optional	Maximum Fee	Brief Description of Restrictions / Limitations
Death Benefit	Provides a death benefit at least equal to the Contract Value (less any amounts due) to Your Beneficiary(ies) if You die during the Accumulation Period	Standard	No Charge	●Amount payable depends on multiple factors, such as type of Contract, age at time of death, Contract Value, total Purchase Payments, and prior withdrawals ●Withdrawals may significantly reduce the benefit
Variable Liquidity Benefit	Provides liquidity during the Annuity Period by allowing the Owner to take withdrawals during the Annuity Period based on the present value of Your remaining Annuity Payments	Optional	5% upon exercise, as a percentage of the amount withdrawn	●Only offered in connection with a specific Annuity option that includes payments for a fixed period ●Withdrawals may significantly reduce or eliminate remaining Annuity Payments

Each of these benefits are discussed more fully in the prospectus, as follows: the Dollar Cost Averaging programs are discussed in the prospectus section entitled "Transfers;" the Systematic Withdrawals Program is discussed in the prospectus section entitled "Access to Your Money;" the Death Benefit is discussed in the prospectus section entitled "Death Benefit;" and the Variable Liquidity Benefit is discussed in the prospectus section entitled "Payment Options."

The availability of benefits may vary by employer or Plan administrator. You should reference Your Plan documents or

speak with Your employer or Plan administrator for the benefits available to You.

Buying the Contract

Purchasing the Contract

The Contract is used in connection with 401(a) Plans, 401(k) Plans, 403(a) Plans, 403(b) Plans, 408(b) Plans, Non-Qualified Plans, Traditional IRAs, Roth IRAs, Keoghs, Simplified Employee Pensions (SEPs) and 457(b) Plans.

We no longer actively offer the Contractss to new purchasers, but We continue to accept new Participants under existing Contractss previously issued to Plans. We issue individual Certificates to Participants under a Plan's Contract. We refer to both Contracts and Certificates as "Contracts" unless the context provides otherwise. If Your Plan has the Contract and You are interested in becoming a Participant, please contact Your Plan Trustee or Plan Administrator.

The Contract is available for purchase to owners and Annuitants age 80 or under as of the Contract Date. If this Contract is purchased through a qualified Plan, the maximum age is 70 ½.

Purchase Payments

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 becomes effective. Subsequent Purchase Payments may be made at any time during the Accumulation Period, subject to certain limitations.

Under a Plan's Contract, the minimum average Purchase Payment amount is $20 per Participant. We may refuse to accept total Purchase Payments over $1,000,000. Your ability to make Purchase Payments may also be restricted by law and may be subject to Plan requirements.

Allocation of Purchase Payments

We will allocate Your Purchase Payments to one or more of the Funding Options and/or to the Fixed Account in accordance with Your instructions. Where permitted by law, We reserve the right to restrict Purchase Payments into the Fixed Account whenever the credited interest rate on the Fixed Account is equal to the minimum guaranteed interest rate specified under the Contract.

Crediting Purchase Payments to Your Account

Initial Purchase Payment. We will apply the initial Purchase Payment less any applicable Premium Tax within two Business Days after We receive it at Our Home Office in Good Order. If Your request or other information accompanying the initial Purchase Payment is incomplete when received, We will hold the Purchase Payment for up to five Business Days. If We cannot obtain the necessary information within five Business Days of Our receipt, We will return the Purchase Payment in full, unless You specifically consent for Us to keep it until You provide the necessary information.

Subsequent Purchase Payments. We will credit subsequent Purchase Payments to a Contract on the same Business Day We receive it, if received in Good Order by Our Home Office prior to close of regular trading on the New York Stock Exchange (typically 4:00 p.m. Eastern Time). If We receive the Purchase Payment in Good Order after close of the New York Stock Exchange, We will credit the Purchase Payment to the Contract on the next Business Day. If Purchase Payments on Your behalf are not submitted to Us in a timely manner or in Good Order, there may be a delay in when amounts are credited.

We will provide You with the address of the office to which Purchase Payments are to be sent. If You send Purchase Payments or transaction requests to an address other than the one We have designated for receipt of such Purchase Payments or requests, they will not be in Good Order. We may return the Purchase Payment to You, or there may be a delay in applying the Purchase Payment or transaction to Your Contract.

Making Withdrawals: Accessing the Money in Your Contract

Accumulation Period

During the Accumulation Period, We will pay upon request all or any portion of Your Cash Surrender Value to the Contract Owner or to You, as provided in the Plan. A Contract Owner's account may be surrendered for cash without the consent of any Participant, as provided in the Plan.

To the extent that the amount withdrawn is subject to a withdrawal charge, the charge will be assessed as a percentage of the Purchase Payments withdrawn. Beginning in the second Contract Year, You may withdraw up to 10% of the Contract Value annually without the imposition of any applicable withdrawal charges. We refer to this as Your free withdrawal allowance. We calculate the free withdrawal allowance as of the end of the previous Contract Year. There is no free withdrawal allowance in the first Contract Year.

There are limitations on Your ability to take withdrawals during the Accumulation Period. These limitations are as follows: 

Withdrawal Charges and Taxes	There may be withdrawal charges and tax implications when You take out money.
Negative impact on benefits and guarantees of Your Contract	A withdrawal may have a negative impact on certain benefits and guarantees that You may elect. It may significantly reduce the value or even terminate the benefit.
Internal Revenue Code or Retirement Plan	Depending on the circumstances, the Internal Revenue Code or Your retirement plan may restrict Your ability to take withdrawals.

Annuity Period

During the Annuity Period, You will receive Annuity Payments under the Annuity option You select; however, You generally may not take any withdrawals, either full or partial. If You elect the Annuity option "Payments for a Fixed Period (Term Certain)" for the Annuity Period, You may exercise the Variable Liquidity Benefit during the Annuity Period. This benefit allows You to take withdrawals during the Annuity Period based on the present value of Your remaining Annuity Payments. Such withdrawals may significantly reduce or eliminate remaining Annuity Payments and may be subject to withdrawal charges.

We will calculate your Annuity Payments by applying your Contract Value to the type of Annuity you select, Fixed, Variable or a combination of both, and the Annuity option you select.

Requesting a Withdrawal

You can request to withdraw all or part of Your Cash Surrender Value by submitting a request to Our Home Office. We will treat Your request as received by Us if We receive the request in Good Order before the close of regular trading on the New York Stock Exchange on that day. If We receive the request in Good Order after the close of trading on the New York Stock Exchange on that day, or if the New York Stock Exchange is not open that day, then the request will be treated as received on the next day when the New York Stock Exchange is open.

The Contract Owner may redeem all or any portion of the Cash Surrender Value any time before the Maturity Date. Unless You submit a Written Request specifying the Fixed Account or Funding Option(s) from which We are to withdraw amounts, We will make the withdrawal on a pro rata basis. The Cash Surrender Value will be determined as of the close of business after We receive Your surrender request at Our Home Office in Good Order. The Cash Surrender Value may be more or less than the Purchase Payments You made. See "Access to Your Money" in the prospectus for more details.

Surrender and withdrawal payments will generally be mailed within seven days after We receive the request.

Additional Information About Fees

The following tables describe the fees and expenses that You will pay when buying, owning, and surrendering, or making withdrawals from an investment option or from the Contract. Please refer to Your Contract specifications page for information about the specific fees You will pay each year based on the options You have selected.

The first table describes the fees and expenses that You will pay at the time that You buy the Contract, surrender the Contract, make withdrawals from an investment option or from the Contract, or transfer Contract Value between investment options. State premium taxes of 0% to 3.5% may also be deducted.

Transaction Expenses 

Withdrawal Charge (1)
(as a percentage of Purchase Payments withdrawn)
If withdrawn within 5 years after the Purchase Payment is made	5.00%
If withdrawn 5 or more years after the Purchase Payment is made	0.00%

Years Since Initial Purchase Payment
Greater than or Equal to	But less than	Withdrawal Charge
0 years	1 years	5%
1 years	2 years	5%
2 years	3 years	5%
3 years	4 years	5%
4 years	5 years	5%
5 + years		0%

The next table describes the fees and expenses that You will pay each year during the time that You own the Contract, not including Underlying Fund fees and expenses.

Annual Contract Expenses 

Administrative Expenses(1)

$15

 

Base Contract Charge (2)	1.25%
(as a percentage of average net assets of the Separate Account)(3)

The next table shows the minimum and maximum total operating expenses charged by the Underlying Funds that You may pay periodically during the time that You own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Underlying Funds available under the Contract, including their annual expenses, may be found in Appendix A.

Annual Underlying Fund Expenses 

	Minimum	Maximum
Total Annual Underlying Fund Expenses
(expenses that are deducted from Underlying Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)	0.27%	1.37%

Example

These examples are intended to help You compare the cost of investing in the variable options (the Funding Options) of the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include Transaction Expenses, Annual Contract Expenses, and Annual Underlying Fund Expenses.

These examples assume that You invest $100,000 in the Funding Options of the Contract for the time periods indicated, that Your investment has a 5% return each year, and that the Contract is owned during the Accumulation Period. Additionally, these examples are based on the Minimum and Maximum Total Annual Underlying Fund Expenses shown above, and do not reflect any Underlying Fund fee waivers and/or expense reimbursements. Your costs could differ from those shown below if you invest in the Fixed Account.

The example assumes that You have allocated all of Your Contract Value to either the Underlying Fund with the Maximum Total Annual Underlying Fund Expenses or the Underlying Fund with the Minimum Total Annual Underlying Fund Expenses. Although your actual costs may be higher or lower, based on these assumptions your cost would be:  

	If Contract is surrendered at the end of period shown:				If Contract is NOT surrendered or annuitized at the end of period shown:
Funding Option	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
Underlying Fund with Maximum Total Annual Operating Expenses	$7,620	$12,550	$18,240	$29,195	$2,620	$8,050	$13,740	$29,195
Underlying Fund with Minimum Total Annual Operating Expenses	$6,520	$9,221	$12,649	$17,817	$1,520	$4,721	$8,149	$17,817

Appendix A

Investment Options Available Under the Contract

The following is a list of Underlying Funds under the Contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF64. You can also request this information at no cost by calling (833) 208-3018 or sending an email request to [email protected]. Availability of Underlying Funds may vary by employer or Plan administrator. You should reference Your Plan documents or speak with Your employer or Plan administrator for the Underlying Funds available to You.

The current expenses and performance information below reflects fees and expenses of the Underlying Funds, 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 Underlying Fund's past performance is not necessarily an indication of future performance.

 

Investment Objectives	Portfolio Company and Adviser/Sub-Adviser	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
			1 Year	5 Year	10 Year
Seeks to maximize total return, consistent with income generation and prudent investment management.	BlackRock High Yield Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: BlackRock Financial Management, Inc.	0.63%	9.15%	4.94%	6.62%
Seeks growth of capital.	Brighthouse Asset Allocation 100 Portfolio - Class B‡ Brighthouse Investment Advisers, LLC	0.96%	17.06%	8.63%	10.70%
Seeks long-term capital appreciation.	Brighthouse Small Cap Value Portfolio - Class B# Brighthouse Investment Advisers, LLC Subadviser: Allspring Global Investments, LLC	1.03%	-3.21%	6.43%	8.07%
Seeks long-term capital appreciation.	Brighthouse/Wellington Large Cap Research Portfolio - Class E# Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP	0.69%	15.74%	12.14%	13.45%
Seeks total return through investment in real estate securities, emphasizing both capital appreciation and current income.	CBRE Global Real Estate Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: CBRE Investment Management Listed Real Assets LLC	0.66%	7.11%	4.30%	4.22%
Seeks long-term capital appreciation.	Harris Oakmark International Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: Harris Associates L.P.	0.72%	33.17%	6.72%	7.01%
Seeks capital growth and income.	Invesco Comstock Portfolio - Class B# Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc.	0.81%	17.31%	15.15%	11.83%
Seeks capital appreciation.	Invesco Global Equity Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc.	0.58%	15.88%	7.56%	11.28%

Investment Objectives	Portfolio Company and Adviser/Sub-Adviser	Current Expenses	Average Annual Total Returns (as of 12/31/2025)
			1 Year	5 Year	10 Year
Seeks long-term growth of capital as its primary objective. Current income is a secondary objective.	LVIP ClearBridge Large Cap Value Fund - Class I# Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments, LLC	0.72%	10.20%	10.11%	10.01%

The following lists the Fixed Account option currently available under the Contract. The Fixed Account listed below will also be used if You participate in the DCA Program and instruct Us to make transfers to or from the Fixed Account. 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. Availability of the Fixed Account may vary by employer or Plan Administrator. You should reference Your Plan documents or speak with Your employer or Plan Administrator for the investment options available to You. 

Name	Guaranteed Minimum Interest Rate
Fixed Account	3.5%