Brighthouse Separate Account A

04/17/2026 | Press release | Distributed by Public on 04/17/2026 13:37

Notice Document by Insurance Company (Form N-VP)

 
The Variable Annuity Contract
issued by
Brighthouse Life Insurance Company
and
Brighthouse Separate Account A
 
Investment Portfolio ArchitectSM - Standard Version and Investment Portfolio
ArchitectSM - C Share Option
 
Disclosure Notice
April 27, 2026
A flexible premium deferred variable annuity contract
 
This Disclosure Notice provides certain updated information about your Investment Portfolio Architect - Standard Version and Investment Portfolio Architect - C Share Option 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 Separate Account A (the "Separate Account") are available, free of charge at https://dfinview.com/BHF/PUFT/BHF222. The Contract prospectus, dated May 1, 2017, 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 [email protected].
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.
1
TABLE OF CONTENTS 
Page
Special Terms
3
Updated Information You Should Consider About the Contract
3
Important Information You Should Consider About the Contract
6
APPENDIX A: Investment Options Available Under the Contract
A-1
2
Special Terms
Account Value. The sum of your interests in the Investment Portfolios and the Fixed Account. The Fixed Account is not available if you selected the C - Share Option.
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 (which is not available if you selected the C - Share Option) 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 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 Separate Account A 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 does 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 the Investment Portfolios. 
Former Name
New Name
American Funds Insurance Series®
American Funds Insurance Series®
American Funds Global Small Capitalization Fund
American Funds SMALLCAP World Fund®*
Brighthouse Funds Trust I
Brighthouse Funds Trust I
SSGA Emerging Markets Enhanced Index Portfolio
State Street Emerging Markets Enhanced Index Portfolio
3
Former Name
New Name
SSGA Growth and Income ETF Portfolio
State Street Moderate ETF Portfolio
SSGA Growth ETF Portfolio
State Street Moderately Aggressive ETF Portfolio
Ivy Variable Insurance Portfolios
Ivy Variable Insurance Portfolios
Macquarie VIP Asset Strategy Series
Nomura VIP Asset Strategy Series**
*The effective date of this name change is May 1, 2026.
**The effective date of this name change was December 1, 2025. 
Investment Portfolios
•Monitored Portfolios. We monitor transfer activity in the following "Monitored Portfolios" for purposes of imposing our restrictions on frequent transfers:
American Funds SMALLCAP World Fund®
Baillie Gifford International Stock Portfolio
BlackRock Global Allocation V.I. Fund
BlackRock High Yield Portfolio
Brighthouse Small Cap Value Portfolio
Brighthouse/Artisan International Portfolio
Brighthouse/Dimensional International Small Company Portfolio
Brighthouse/Eaton Vance Floating Rate Portfolio
Brighthouse/Templeton International Bond Portfolio
CBRE Global Real Estate Portfolio
Harris Oakmark International Portfolio
Invesco Global Equity Portfolio
Invesco Small Cap Growth Portfolio
JPMorgan Small Cap Value Portfolio
Loomis Sayles Global Allocation Portfolio
Loomis Sayles Small Cap Core Portfolio
MetLife MSCI EAFE® Index Portfolio
MetLife Russell 2000® Index Portfolio
MFS® Research International Portfolio
Neuberger Berman Genesis Portfolio
Nomura VIP Asset Strategy Series
PIMCO Emerging Markets Bond Portfolio
State Street Emerging Markets Enhanced Index Portfolio
T. Rowe Price Small Cap Growth Portfolio
VanEck Global Natural Resources Portfolio
4
Western Asset Management Strategic Bond Opportunities Portfolio
5
Important Information You Should Consider About the Contract 
Fees, Expenses, and Adjustments
Location in
Prospectus
Are There
Charges or
Adjustments for
Early
Withdrawals?
Yes. If you elect the "Standard Version" Contract class and you withdraw
money during the first 5 full Contract Years following a Purchase Payment,
you may be assessed a withdrawal charge of up to 7% of the Purchase
Payment withdrawn, declining to 0% over that time period.
If you elect the "C - Share Option" Contract class there is no withdrawal
charge.
For example, if you elect the "Standard Version" class and make an early
withdrawal, you could pay a withdrawal charge of up to $7,000 on a
$100,000 investment. This loss will be greater if there are taxes or tax
penalties.
Fee Table and
Examples
 
Expenses -
Withdrawal
Charge
Are
ThereTransaction
Charges?
Yes. In addition to withdrawal charges, you also may be charged for the
following transactions: transfers of cash value between investment options.
Transfer Fee. Currently, we allow unlimited transfers among the investment
options without charge. However, we reserve the right to charge for transfers
after the first 12 transfers per year.
Fee Table and
Examples
 
Expenses -
Transfer Fee
6
Fees, Expenses, and Adjustments
Location in
Prospectus
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 and optional benefits 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
 
Expenses -
Product
Charges
 
Appendix A:
Investment
Options
Available
Under the
Contract
(located in this
Disclosure
Notice)
Annual Fee
Minimum
Maximum
Base Contract
(varies by Contract class)1
1.12%
1.37%
Investment Portfolio fees and
expenses2
0.57%
3.68%
Optional benefits available for
an additional charge (for a
single optional benefit, if
elected)
0.25%3
0.25%4
1 As a percentage of average Account Value in the Separate Account. The charge shown also
includes the Account Fee.
2 As a percentage of fund assets before temporary expense reimbursements and/or fee waivers.
3 As a percentage of the average Account Value in the Separate Account, which is a value used to
calculate your benefit. This charge is the current charge for the least expensive optional benefit.
4 As a percentage of the average Account Value in the Separate Account, which is a value used to
calculate your benefit. This charge is the current charge for the most expensive optional benefit.
 
 
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
$1,556
Highest Annual Cost
$4,276
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive combination of
Contract classes and Investment
Portfolio fees and expenses
●No optional benefits
●No sales charges
●No additional Purchase Payments,
transfers, or withdrawals
●Investment of $100,000
●5% annual appreciation
●Most expensive combination
of Contract classes, optional
benefits, and Investment
Portfolio fees and expenses
●No sales charges
●No additional Purchase
Payments, transfers, or
withdrawals
7
Risks
Location in
Prospectus
Is There a Risk of
Loss from Poor
Performance?
Yes. You can lose money by investing in this Contract, including loss of
principal.
The Annuity
Contract
 
Investment
Options
Is This a Short-
Term Investment?
No. This Contract is not a short-term investment and is not appropriate for
an investor who needs ready access to cash.
Amounts withdrawn from the Contract may result in withdrawal charges,
taxes, and tax penalties.
For the "Standard Version" Withdrawal charges may apply for the first 5 full
Contract Years following a Purchase Payment. Withdrawal charges will
reduce the value of your Contract if you withdraw money during that time.
There are no withdrawal charges for the "C - Share Option". Withdrawals
could significantly reduce the value of your Contract, the death benefit, and
other Contract benefits, including the optional death benefit. The reduction
may be more than the amount withdrawn.
The benefits of tax deferral and living benefit protection also mean the
Contract is more beneficial to investors with a long time horizon.
The Annuity
Contract
 
Investment
Options
What Are the
Risks Associated
with the
Investment
Options?
●An investment in this Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the investment
options available under the Contract (e.g., the Investment Portfolios).
●Each investment option, including the Fixed Account which is only
available with the "Standard Version", has its own unique risks.
●You should review the prospectuses for the available funds and the
prospectus disclosure concerning the Fixed Account before making an
investment decision.
Investment
Options
What Are the
Risks Related to
the Insurance
Company?
An investment in the Contract is subject to the risks related to us. Any
obligations (including under the Fixed Account) for the "Standard Version",
and guarantees and benefits of the Contract that exceed the assets of the
Separate Account are subject to our claims-paying ability. If we experience
financial distress, we may not be able to meet our obligations to you. More
information about BLIC, including our financial strength ratings, is available
by contacting us at (888) 243-1968.
The Annuity
Contract
 
Other
Information -
The Separate
Account
Restrictions
Are There
Restrictions on the
Investment
Options?
Yes.
●Currently, we allow unlimited transfers without charge among investment
options during the Accumulation Phase. However, we reserve the right to
limit transfers or impose a charge for transfers in excess of 12 per year.
●We reserve the right to limit transfers in circumstances of frequent or large
transfers.
●We reserve the right to restrict payments to and transfers to and from the
Fixed Account.
●We reserve the right to remove or substitute the Investment Portfolio
available as investment options under the Contract.
Investment
Options
8
Restrictions
Are There Any
Restrictions on
Contract Benefits?
Yes.
●Certain optional benefits could limit subsequent Purchase Payments.
●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 an optional benefit at any time for new sales.
●Except as otherwise provided, Contract benefits may not be modified or
terminated by us.
Death 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 1∕2.
Federal
Income Tax
Status
Conflicts of Interest
How Are
Investment
Professionals
Compensated?
Your investment professional may receive compensation for selling this
Contract to you, in the form of commissions, additional cash benefits (e.g.,
bonuses), and non-cash compensation. This conflict of interest may influence
your investment professional to recommend this Contract over another
investment for which the investment professional is not compensated or
compensated less.
Other
Information -
Selling Firms
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.
Replacement
of Contracts
9
 
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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/BHF222. You can also request this information at no cost by calling (888) 243-1932 or sending an email request to [email protected].
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. 
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 SMALLCAP World
Fund® - Class 41#
Capital Research and Management
CompanySM
1.15%
14.33%
0.23%
6.96%
Seeks high total investment return.
BlackRock Global Allocation V.I.
Fund - Class III#
BlackRock Advisors, LLC
Subadviser: BlackRock (Singapore)
Limited
1.01%
19.42%
5.51%
7.33%
Seeks capital appreciation and
current income.
AB Global Dynamic Allocation
Portfolio - Class B*
Brighthouse Investment Advisers,
LLC
Subadviser: AllianceBernstein L.P.
0.92%
11.56%
3.05%
4.77%
Seeks long-term capital appreciation.
Allspring Mid Cap Value
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Allspring Global
Investments, LLC
1.00%
5.77%
9.59%
9.11%
Seeks growth of capital.
American Funds® Aggressive
Allocation Portfolio - Class C‡
Brighthouse Investment Advisers,
LLC
0.99%
19.90%
9.30%
10.88%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
American Funds® Balanced
Allocation Portfolio - Class C‡
Brighthouse Investment Advisers,
LLC
0.96%
17.02%
7.26%
8.99%
Seeks to achieve growth of capital.
American Funds® Growth
Portfolio - Class C
Brighthouse Investment Advisers,
LLC; Capital Research and
Management CompanySM
0.90%
19.88%
13.02%
17.60%
Seeks a high total return in the form
of income and growth of capital,
with a greater emphasis on income.
American Funds® Moderate
Allocation Portfolio - Class C‡
Brighthouse Investment Advisers,
LLC
0.95%
14.46%
5.71%
7.30%
A-1
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 capital appreciation and
current income.
BlackRock Global Tactical Strategies
Portfolio - Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Financial
Management, Inc.
0.94%
11.44%
3.54%
5.10%
Seeks to maximize total return,
consistent with income generation
and prudent investment
management.
BlackRock High Yield
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Financial
Management, Inc.
0.88%
8.93%
4.68%
6.35%
Seeks growth of capital.
Brighthouse Asset Allocation 100
Portfolio - Class B‡
Brighthouse Investment Advisers,
LLC
0.96%
17.06%
8.63%
10.70%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
Brighthouse Balanced Plus
Portfolio - Class B*
Brighthouse Investment Advisers,
LLC
Subadviser: Overlay Portion: Pacific
Investment Management Company
LLC
1.17%
11.95%
1.31%
5.83%
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 maximum long-term capital
growth.
Brighthouse/Artisan International
Portfolio - Class B
Brighthouse Investment Advisers,
LLC
Subadviser: Artisan Partners Limited
Partnership
1.05%
36.35%
8.54%
8.38%
Seeks a high level of current income.
Brighthouse/Eaton Vance Floating
Rate Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Eaton Vance
Management
0.95%
3.81%
4.75%
4.59%
Seeks a high level of current income,
while seeking preservation of
shareholders' capital.
Brighthouse/Franklin Low Duration
Total Return Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Franklin Advisers, Inc.
0.75%
5.25%
2.14%
2.23%
Seeks current income with capital
appreciation and growth of income.
Brighthouse/Templeton International
Bond Portfolio - Class B#§
Brighthouse Investment Advisers,
LLC
Subadviser: Franklin Advisers, Inc.
0.94%
16.35%
-0.69%
-0.64%
A-2
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 capital appreciation.
Brighthouse/Wellington Large Cap
Research Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Wellington Management
Company LLP
0.79%
15.62%
12.01%
13.33%
Seeks total return through
investment in real estate securities,
emphasizing both capital
appreciation and current income.
CBRE Global Real Estate
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: CBRE Investment
Management Listed Real Assets
LLC
0.91%
6.75%
4.03%
3.95%
Seeks long-term capital appreciation.
Harris Oakmark International
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Harris Associates L.P.
0.97%
32.78%
6.46%
6.74%
Seeks total return.
Invesco Balanced-Risk Allocation
Portfolio - Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.97%
13.14%
3.77%
5.80%
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 B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.83%
15.60%
7.30%
11.00%
Seeks long-term growth of capital.
Invesco Small Cap Growth
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.99%
5.83%
-0.91%
9.00%
Seeks to maximize total return.
JPMorgan Core Bond
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.70%
6.95%
-0.19%
2.02%
Seeks capital appreciation and
current income.
JPMorgan Global Active Allocation
Portfolio - Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.98%
13.92%
3.68%
5.77%
A-3
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 capital growth.
JPMorgan Small Cap Value
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
1.04%
12.14%
9.65%
8.81%
Seeks high total investment return
through a combination of capital
appreciation and income.
Loomis Sayles Global Allocation
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
1.04%
12.59%
6.25%
9.22%
Seeks long-term growth of capital.
Loomis Sayles Growth
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
0.80%
14.90%
14.77%
13.91%
Seeks a balance between growth of
capital and current income, with a
greater emphasis on growth of
capital.
MetLife Multi-Index Targeted Risk
Portfolio - Class B*
Brighthouse Investment Advisers,
LLC
Subadviser: Overlay Portion:
MetLife Investment Management,
LLC
0.62%
9.08%
2.93%
5.31%
Seeks capital appreciation.
MFS® Research International
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.81%
22.41%
5.54%
7.57%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.90%
13.19%
-5.83%
14.00%
Seeks total return.
PanAgora Global Diversified Risk
Portfolio - Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: PanAgora Asset
Management, Inc.
1.01%
19.84%
0.66%
5.01%
Seeks maximum real return,
consistent with preservation of
capital and prudent investment
management.
PIMCO Inflation Protected Bond
Portfolio - Class B
Brighthouse Investment Advisers,
LLC
Subadviser: Pacific Investment
Management Company LLC
1.38%
7.74%
1.15%
3.09%
A-4
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 maximum total return,
consistent with the preservation of
capital and prudent investment
management.
PIMCO Total Return
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Pacific Investment
Management Company LLC
0.83%
8.90%
-0.07%
2.30%
Seeks capital appreciation and
current income.
Schroders Global Multi-Asset
Portfolio - Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Schroder Investment
Management North America Inc.
0.96%
9.85%
4.28%
5.28%
Seeks to provide total return,
primarily through capital
appreciation.
State Street Emerging Markets
Enhanced Index
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc
0.80%
34.14%
6.04%
 - 
Seeks growth of capital and income.
State Street Moderate ETF
Portfolio - Class B‡
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc.
0.75%
16.78%
7.19%
7.85%
Seeks growth of capital.
State Street Moderately Aggressive
ETF Portfolio - Class B‡
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc.
0.78%
19.23%
9.01%
9.31%
Seeks long-term capital appreciation
by investing in common stocks
believed to be undervalued. Income
is a secondary objective.
T. Rowe Price Large Cap Value
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.78%
12.05%
10.28%
10.09%
Seeks to maximize total return
consistent with the preservation of
capital.
TCW Core Fixed Income
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: TCW Investment
Management Company LLC
0.72%
6.82%
-0.82%
1.79%
Seeks high total return by investing
in equity securities of mid-sized
companies.
Victory Sycamore Mid Cap Value
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Victory Capital
Management Inc.
0.85%
2.29%
9.62%
9.58%
A-5
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 a high level of current income,
consistent with preservation of
principal.
Western Asset Management
Government Income
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.74%
7.21%
-1.27%
1.21%
Seeks long-term growth of capital.
Baillie Gifford International Stock
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Baillie Gifford Overseas
Limited
0.99%
18.96%
0.70%
7.34%
Seeks a competitive total return
primarily from investing in fixed-
income securities.
BlackRock Bond Income
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.63%
7.68%
-0.42%
2.12%
Seeks long-term growth of capital.
BlackRock Capital Appreciation
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.81%
12.91%
10.79%
15.51%
Seeks a high level of current income
consistent with prudent investment
risk and preservation of capital.
BlackRock Ultra-Short Term Bond
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.62%
3.89%
2.83%
1.85%
Seeks a high level of current income,
with growth of capital as a
secondary objective.
Brighthouse Asset Allocation 20
Portfolio - Class B#‡
Brighthouse Investment Advisers,
LLC
0.93%
9.25%
2.06%
3.97%
Seeks high total return in the form of
income and growth of capital, with a
greater emphasis on income.
Brighthouse Asset Allocation 40
Portfolio - Class B‡
Brighthouse Investment Advisers,
LLC
0.91%
11.50%
3.84%
5.69%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
Brighthouse Asset Allocation 60
Portfolio - Class B‡
Brighthouse Investment Advisers,
LLC
0.91%
13.77%
5.55%
7.47%
Seeks growth of capital.
Brighthouse Asset Allocation 80
Portfolio - Class B‡
Brighthouse Investment Advisers,
LLC
0.93%
15.63%
7.18%
9.22%
Seeks long-term capital appreciation.
Brighthouse/Dimensional
International Small Company
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Dimensional Fund
Advisors LP
1.03%
35.85%
8.30%
8.14%
A-6
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 provide a growing stream of
income over time and, secondarily,
long-term capital appreciation and
current income.
Brighthouse/Wellington Core Equity
Opportunities Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Wellington Management
Company LLP
0.87%
7.54%
8.02%
10.45%
Seeks long-term growth of capital.
Jennison Growth
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.79%
13.72%
10.01%
16.41%
Seeks long-term capital growth from
investments in common stocks or
other equity securities.
Loomis Sayles Small Cap Core
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
1.15%
5.02%
7.17%
9.15%
Seeks to track the performance of
the Bloomberg U.S. Aggregate Bond
Index.
MetLife Aggregate Bond Index
Portfolio - Class G#
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.56%
6.79%
-0.92%
1.46%
Seeks to track the performance of
the Standard & Poor's MidCap
400® Composite Stock Price Index.
MetLife Mid Cap Stock Index
Portfolio - Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.60%
6.82%
8.48%
10.10%
Seeks to track the performance of
the MSCI EAFE® Index.
MetLife MSCI EAFE® Index
Portfolio - Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.67%
30.71%
8.30%
7.71%
Seeks to track the performance of
the Russell 2000® Index.
MetLife Russell 2000® Index
Portfolio - Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.60%
12.37%
5.68%
9.22%
Seeks to track the performance of
the Standard & Poor's 500®
Composite Stock Price Index.
MetLife Stock Index
Portfolio - Class G#
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.57%
17.22%
13.79%
14.18%
Seeks capital appreciation.
MFS® Value Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.83%
13.00%
9.84%
9.99%
A-7
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 high total return, consisting
principally of capital appreciation.
Neuberger Berman Genesis
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Neuberger Berman
Investment Advisers LLC
1.06%
-4.74%
2.62%
8.86%
Seeks long-term growth of capital.
T. Rowe Price Large Cap Growth
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.81%
15.45%
9.37%
14.10%
Seeks long-term capital growth.
T. Rowe Price Small Cap Growth
Portfolio - Class G
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.81%
10.04%
5.44%
10.53%
Seeks long-term capital appreciation
with income as a secondary
consideration.
VanEck Global Natural Resources
Portfolio - Class B#§
Brighthouse Investment Advisers,
LLC
Subadviser: Van Eck Associates
Corporation
1.02%
36.40%
10.37%
8.51%
Seeks to maximize total return
consistent with preservation of
capital.
Western Asset Management Strategic
Bond Opportunities
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.82%
8.88%
1.17%
3.77%
Seeks to maximize total return
consistent with preservation of
capital and maintenance of liquidity.
Western Asset Management
U.S. Government
Portfolio - Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.75%
6.81%
0.35%
1.57%
Seeks to provide total return.
Nomura VIP Asset Strategy
Series - Service Class#
Delaware Management Company, a
series of Nomura Investment
Management Business Trust
Subadvisers: Macquarie Funds
Management HK Ltd.; Macquarie
Investment Management Global
Limited; Macquarie Investment
Management Austria Kapitalanlage
AG; Macquarie Investment
Management Europe Limited
0.77%
16.66%
7.07%
7.84%
Seeks maximum real return,
consistent with prudent investment
management.
PIMCO CommodityRealReturn®
Strategy Portfolio - Class M#
PIMCO
3.49%
18.70%
10.24%
6.22%
A-8
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 maximum long-term return,
consistent with preservation of
capital and prudent investment
management.
PIMCO Dynamic Bond
Portfolio - Class M
PIMCO
1.36%
7.91%
2.70%
3.24%
Seeks maximum total return,
consistent with preservation of
capital and prudent investment
management.
PIMCO Emerging Markets Bond
Portfolio - Class M
PIMCO
1.47%
14.64%
2.14%
4.75%
#
These 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.
1
Until May 1, 2026, the name of this Investment Portfolio is American Funds Global Small Capitalization Fund.
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.
The minimum interest rate depends on the date your Contract is issued but will not be less than the rate shown below.
If you select the C Share option, the Fixed Account is not available as an investment option. 
Name
Guaranteed Minimum Interest Rate
Fixed Account
1%
A-9
 
The prospectus, as supplemented, and statement of additional information ("SAI"), dated May 1, 2017, 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 [email protected]. You can also access other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF222.
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: [email protected].
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 C000168026 (Investment Portfolio Architect - Standard Version) and C000168027 (Investment Portfolio Architect - C-Share Option)
Brighthouse Separate Account A published this content on April 17, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 17, 2026 at 19:38 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]