Updating Summary Prospectus (Form 497VPU)

 

	Page
Glossary	3
Updated Information You Should Consider About the Policy	3
Important Information You Should Consider About The Policy	5
Appendix A: Funds Available Under The Policy	A-1

Glossary

Age - the Insured's age as of his or her last birthday.

Cash Surrender Value - the Cash Value less any Outstanding Loans and applicable surrender charges.

Cash Value - the sum of the accumulated value held in the Investment Options plus the Loan Account value and the Fixed Account value.

Company - Brighthouse Life Insurance Company.

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.

Fixed Account - part of the General Account of the Company.

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.

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 Cash Value. Each Investment Option invests directly in a corresponding mutual fund.

Monthly Deduction Amount - the amount of charges deducted from the Policy's Cash Value, which includes cost of insurance charges, administrative charges, and any charges for benefits associated with any Rider(s).

Policy - Brighthouse Variable Life, an individual 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 Years - 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.

Rider(s) - supplemental insurance benefits offered under the Policy. There are additional charges associated with some Riders.

Stated Amount - the amount selected by the Policy Owner used to determine the Death Benefit, which may be increased or decreased as described in the Policy.

Updated Information You Should Consider About the Policy

The information in this Updating Summary Prospectus is a summary of certain Policy features that have changed since the Updating Summary Prospectus dated April 28, 2025. This may 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.

Changes Affecting the Funds

Certain Funds were subject to a name or other change. The chart below describes these changes in more detail.

Fund Name Change 

Former Name	New Name
Brighthouse Funds Trust I	Brighthouse Funds Trust I
SSGA Emerging Markets Enhanced Index Portfolio	State Street Emerging Markets Enhanced Index Portfolio

Trust/Fund Reorganization

Each of the following Former Funds was 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
ClearBridge Variable Dividend Strategy Portfolio	LVIP ClearBridge Dividend Strategy Fund
ClearBridge Variable Large Cap Growth Portfolio	LVIP ClearBridge Large Cap Growth Fund
ClearBridge Variable Large Cap Value Portfolio	LVIP ClearBridge Large Cap Value Fund

Policy Requests and Transactions

The telephone numbers and the addresses of our service center changed effective January 20, 2026. The telephone numbers and the addresses to be used for all inquiries, requests and payments are shown below. 

Telephone Fax	(800) 882-1292 (877) 246-8424
General correspondence and servicing requests	Brighthouse Life Insurance Company P.O. Box 4301 Clinton, IA 52733-4301
Loan and premium payments	Brighthouse Life Insurance Company P.O. Box 956067 St. Louis, MO 63195-6067
Claims	Brighthouse Life Insurance Company P.O. Box 4330 Clinton, IA 52733-4330

Important Information You Should Consider About The Policy  

	Fees and Expenses			Location in Prospectus
Charges for Early Withdrawals	If, during the first ten Policy Years, or during the first ten Policy Years following an increase in Stated Amount, you fully or partially surrender your Policy, reduce the Stated Amount, or make a change in Death Benefit option that reduces the Stated Amount, or your Policy lapses, then we will deduct a surrender charge from the Cash Value. The maximum surrender charge will not be greater than 2.54% of the Policy's Stated Amount. For example, if your Policy had a Stated Amount of $100,000 and you surrendered the Policy in Policy Year 1, you could pay a surrender charge of up to $2,540.00.			Policy Charges and Deductions - Charges Against Cash Value   Fee Tables
Transaction Charges	In addition to surrender charges, you also may be charged for other transactions. These charges include a sales charge, a state premium tax charge, and a federal deferred acquisition cost charge with respect to Premium Payments, and a charge for requested decreases in Stated Amount.			Policy Charges and Deductions - Charges Against Premium; Charges Against Cash Value   Fee Tables
Ongoing Fees and Expenses (annual charges)	In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including a Cost of Insurance Charge, a Policy administrative expense charge, a mortality and expense risk charge, a Policy loan cost and charges for various Riders offered along with the Policy. Certain of these ongoing charges vary in amount depending on the Insured's Age, risk class, and (except for unisex Policies) sex. You should view the Policy Summary page of your Policy for the specific charges applicable to your Policy.     You will also bear expenses associated with the Funds under the Policy, as shown in the following table:			Policy Charges and Deductions - Charges Against Cash Value; Charges Against the Separate Account   Fee Tables   Appendix A: Funds Available Under the Policy
	Annual Fee	Minimum	Maximum
	Investment options (Fund fees and expenses)	0.13%	1.92%
	RISKS
Risk of Loss	You can lose money by investing in the Policy.			Principal Risks of Investing in the Policy
Not a Short-Term Investment	The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. If you make a premature withdrawal of cash from your Policy, you may incur various costs (e.g., a surrender charge) and also possible federal income tax.			Principal Risks of Investing in the Policy   Policy Charges and Deductions
Risks Associated with Investment Options	An investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Policy (e.g., the Funds). Each investment option, including the Fixed Account, will have its own unique risks, and you should review these investment options before making an investment decision.			Description of the Company, Separate Account and Funds - The Funds

Appendix A

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/BHF97. You can also request this information at no cost by calling our TeleService Center at (800) 882-1292 or by sending an email request to [email protected].

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.  

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.	American Funds Global Growth Fund - Class 2# Capital Research and Management CompanySM	0.65%	21.62%	8.23%	12.17%
Seeks growth of capital.	American Funds Growth Fund - Class 2 Capital Research and Management CompanySM	0.58%	20.24%	13.37%	17.97%
Seeks long-term growth of capital and income.	American Funds Growth-Income Fund - Class 2 Capital Research and Management CompanySM	0.53%	18.06%	13.90%	13.92%
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 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 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%
Seeks capital appreciation.	Invesco Global Equity Portfolio - Class B#† Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc.	0.83%	15.60%	7.30%	11.00%

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 track the performance of a benchmark index that measures the investment return of the overall stock market.	Total Stock Market Index Portfolio Vanguard Capital Management	0.13%	16.93%	12.98%	14.10%
Seeks capital appreciation by investing in a diversified portfolio of securities consisting primarily of common stocks.	Victory Pioneer Mid Cap Value VCT Portfolio - Class II# Victory Capital Management Inc.	1.02%	10.86%	10.88%	8.73%

The prospectus and statement of additional information ("SAI") include additional information. The prospectus and SAI are dated the same as this summary prospectus and are incorporated by reference. The prospectus and SAI are available, without charge, upon request. For a free copy, call us at (800) 882-1292 or send an email request to [email protected]. You can also access the prospectus, SAI and other information about the Policy online at https://dfinview.com/BHF/PUFT/BHF97.

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: [email protected].