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	10
Making Withdrawals: Accessing the Money in Your Contract	11
Additional Information About Fees	12
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.

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.

Contract - for convenience, means the Contract or Certificate (if applicable). For example, Contract Year also means Certificate Year.

Contract Date - 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.

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 the Accumulation Units in Your Account (or a Participant's Individual Account, if applicable) less any reductions for administrative charges, plus amounts held under the Fixed Account.

Contract Year - twelve-month periods beginning with the Contract Date, or any anniversary thereof.

Fixed Account - an account that consists of all of the assets under the Contract other than those in the Separate Account. The Fixed Account is part of the general assets of the Company.

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 "Subaccount."

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. For detailed instructions on how to submit requests, elections, and inquiries, please see "Contract Owner Requests, Elections, and Inquiries" in the prospectus. Unless We designate a different office, the office that administers the Contract is located at P.O. Box 4261, Clinton, IA 52733-4261.

Maturity Date - The Maturity Date is the date on which Annuity Payments are to begin.

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 of the Internal Revenue Code.

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, less any Premium Tax (if applicable).

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 that is registered with the Securities and Exchange Commission (the "SEC"") in which the Subaccounts invest. 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 or Adjustments for Early Withdrawals?	Yes. If You withdraw money during the first 5 Contract Years (or the first 8 Contract Years if the Contract was issued before May 24, 2005), You may be assessed a surrender charge of up to 5%, as a percentage of the amount withdrawn. For example, if You make an early withdrawal, You could pay a surrender 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 - Surrender 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	1.53%		1.53%
	Portfolio Company fees and expenses2	0.27%		1.37%
	1 As a percentage of average daily net assets of the Separate Account. 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 surrender charges that substantially increase costs.
	Lowest Annual Cost $1,642		Highest Annual Cost $2,542
	Assumes:		Assumes:
	●Investment of $100,000 ●5% annual appreciation ●Least expensive Portfolio Company fees and expenses ●No additional Purchase Payments, transfers, loans, or withdrawals ●No surrender charges		●Investment of $100,000 ●5% annual appreciation ●Most expensive Portfolio Company fees and expenses ●No additional Purchase Payments, transfers, loans, or withdrawals ●No surrender charges

	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. ●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.				Death Benefit   The Annuity Period - 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 59½.				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 - Distribution of the Contracts

Overview of the Contract

Purpose. The Contract is a variable and fixed annuity contract, which is available on a group basis. It provides a means for investing on a tax-deferred basis in the Contract's Funding Options and (if available) the Fixed Account, 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 either withdrawals or Annuity Payments) for retirement saving or other long-term investment purposes. The Contracts offered by Brighthouse Life Insurance Company are designed for use in conjunction with certain qualified Plans, including tax-qualified pension or profit-sharing Plans under Section 401 of the Code. The Contract has various features and benefits that may be appropriate for You based on Your financial situation and objectives. The Contract may include certain death benefit features, which can be used to transfer assets to Your Beneficiaries. If You are investing in this Contract through a Plan, it does not provide any additional tax deferral benefits beyond those provided by the Plan. Accordingly, if You are investing in this Contract through a Plan, 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, if available (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 investment options, Purchase Payments, withdrawals, transfers, Plan 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 (if available under Your Plan), 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 may provide for, 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), and may be greater under certain circumstances. The death benefit may not be available under your Contract.

Variable Liquidity Benefit. If You elect the Annuity option "Payments for a Fixed Period" (without life contingency), 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.

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
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 ●Not available under all Contracts
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, as follows: the Death Benefit is discussed in the prospectus section entitled "Death Benefit" and the Variable Liquidity Benefit is discussed in the prospectus section entitled "The Annuity Period."

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(k) Plans and Keoghs.

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 administrator.

Purchase Payments

A Purchase Payment is the money You give Us to invest in the Contract. The minimum average Purchase Payment allowed is $10,000 annually per Contract. We may refuse to accept total Purchase Payments over $3,000,000. Purchase Payments may be made at any time on behalf of the Participant while the Participant is alive and before Annuity Payments begin.

Allocation of Purchase Payments

We will allocate Your Purchase Payments to one or more of the Funding Options and/or, if available, to the Fixed Account in accordance with Your instructions.

Crediting Purchase Payments to Your Account

We apply Net Purchase Payments to purchase Accumulation Units of the selected Funding Options. 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 of the initial Purchase Payment, We will return the Purchase Payment in full, unless You specifically consent for Us to keep it until You provide the necessary information.

We accept Purchase Payments made by check or cashier's check. We do not accept cash, money orders or traveler's checks. We reserve the right to refuse Purchase Payments made via a personal check in excess of $100,000. Purchase Payments over $100,000 may be accepted in other forms, including but not limited to, EFT/wire transfers, certified checks, corporate checks, and checks written on financial institutions. The form in which We receive a Purchase Payment may determine how soon subsequent disbursement requests may be fulfilled. (See "Access To Your Money" in the prospectus).

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 NYSE (typically 4:00 p.m. Eastern Time). If we receive the Purchase Payment after close of the NYSE, 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.

Where permitted by state 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.

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

Before the Maturity Date, We will pay all or any portion of Your Cash Surrender Value to the Contract Owner or at the Contract Owner's direction, to the Participant. You may submit a written withdrawal request, which must be received at Our Home Office on or before the Maturity Date, that indicates that the withdrawal should be processed as of the Maturity Date, in which case the request will be deemed to have been received on, and the withdrawal amount will be priced according to, the Accumulation Unit value calculated as of the Maturity Date. 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 surrender charge, the charge will be assessed as a percentage of the total amount withdrawn.

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. We may offer a Variable Liquidity Benefit if You select an Annuity option that guarantees You payments for a fixed period of time ("period certain").

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

Before the Maturity Date, We will pay all or any portion of Your Cash Surrender Value to the Contract Owner or at the Contract Owner's direction, to the Participant. You may submit a written withdrawal request, which must be received at Our Home Office on or before the Maturity Date, that indicates that the withdrawal should be processed as of the Maturity Date, in which case the request will be deemed to have been received on, and the withdrawal amount will be priced according to, the Accumulation Unit value calculated as of the Maturity Date. A Contract Owner's account may be surrendered for cash without the consent of any Participant, as provided in the Plan.

We may defer payment of any Cash Surrender Value for up to seven days after We receive the request in Good Order. The Cash Surrender Value equals the Contract or account Contract Value less any applicable withdrawal charge, outstanding cash loans, and any Premium Tax not previously deducted. The Cash Surrender Value may be more or less than the Purchase Payments made depending on the value of the Contract or account at the time of surrender.

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 

Surrender Charge(1), (2)	5%
(as a percentage of amount surrendered)

Contract Year		Surrender Charge
Greater than or Equal to	But less than
0 years	1 years	5%
1 years	2 years	4%
2 years	3 years	3%
3 years	4 years	2%
4 years	5 years	1%
5 + years		0%

Contract Year		Surrender Charge
Greater than or Equal to	But less than
0 years	2 years	5%
2 years	4 years	4%
4 years	6 years	3%
6 years	8 years	2%
8 + years		0%

 

The next tables describe 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. Expenses shown may change over time and may be higher or lower in the future.

Annual Contract Expenses 

Base Contract Charge(1)
(as a percentage of the average daily net assets of the Separate Account)

 

Aggregate Contract Assets	Base Contract Charge
$0 - $499,999.99	1.50%
$500,000 - $999,999.99	1.30%
$1,000,000 - $1,999,999.99	1.20%
$2,000,000 - $2,999,999.99	1.10%
$3,000,000 - $3,999,999.99	1.00%
$4,000,000 and over	0.85%

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) under 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 under the Contract for the time periods indicated and that Your investment has a 5% return each year. These examples also assume that the Contract is owned during the Accumulation Period and 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. Your costs could differ from those shown below if you invest in the Fixed Account.

Although Your actual costs may be higher or lower, based on these assumptions Your cost would be:

For Contracts issued on or after May 24, 2005: 

	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	$7,870	$11,796	$14,976	$31,617	$2,870	$8,796	$14,976	$31,617
Underlying Fund with Minimum Total Annual Operating Expenses	$6,770	$8,484	$9,442	$20,510	$1,770	$5,484	$9,442	$20,510

For Contracts issued before May 24, 2005: 

	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	$7,870	$12,796	$17,976	$31,617	$2,870	$8,796	$14,976	$31,617
Underlying Fund with Minimum Total Annual Operating Expenses	$6,770	$9,484	$12,442	$20,510	$1,770	$5,484	$9,442	$20,510

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/BHF122. 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 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 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%

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. 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	Term (Guarantee Period)	Guaranteed Minimum Interest Rate
Fixed Account	12 months	1%