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

 

The Variable Annuity Contract

Issued by

Brighthouse Life Insurance Company
 

Brighthouse Prime Options
 

Summary Prospectus for New Investors

April 27, 2026

A flexible premium deferred variable annuity contract  

This Summary Prospectus summarizes key features of the Brighthouse Prime Options 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"). Before you invest, you should also review the prospectus for the Contract, which contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF228. You can also obtain this information at no cost by calling (888) 243-1932 or by sending an email request to [email protected].

* * * * * * * * * * * *

YOU MAY CANCEL YOUR CONTRACT WITHIN 10 DAYS OF RECEIVING IT WITHOUT PAYING
FEES OR PENALTIES.

In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

* * * * * * * * * * * *

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 prospectus is accurate or complete. Any representation to the contrary is a criminal offense.

Special Terms

Account Value. The sum of your interests in the Investment Portfolios and the Fixed Account.

Accumulation Unit. An accounting unit of measure used in calculating the Account Value in the Separate Account before the annuity commencement date.

Accumulation Phase. The period in which earnings accumulate on a tax-deferred basis.

Annuity Date. Under the contract you can receive regular income payments (referred to as Annuity Payments). You can choose the month and year in which those payments begin. We call that date the Annuity Date. Your Annuity Date must be at least 30 days after we issue the contract and will be the first day of the calendar month unless, subject to our current established administrative procedures, we allow you to select another day of the month as your Annuity Date.

Beneficiary. The person(s) or entity you name to receive any death benefit.

Business Day. A Business Day is each day that the New York Stock Exchange is open for business. A Business Day closes at the close of normal trading on the New York Stock Exchange, usually 4:00 p.m. Eastern Time.

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 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.

Guaranteed Lifetime Withdrawal Benefit (GLWB) Benefit Base. The initial Benefit Base is equal to your initial Purchase Payment. We increase the Benefit Base by each additional Purchase Payment. Any withdrawals taken prior to the date you reach the lifetime withdrawal age will reduce the Benefit Base in the same proportion that such withdrawal (including Withdrawal Charges, if any) reduces the Account Value (a "Proportional Adjustment").

GLWB Death Benefit Base. The GLWB Death Benefit Base is an amount used to determine your death benefit, and is also the amount the GLWB Death Benefit rider charge is applied. As of the Issue Date, the initial GLWB Death Benefit Base is equal to your initial purchase payment. Prior to the death of the contract Owner or Joint Owner (or the Annuitant if the Owner is a non-natural person), the GLWB Death Benefit Base will be increased by the amount of each purchase payment made, and reduced for all withdrawals as described below. The GLWB Death Benefit Base will not increase or decrease after the death of the contract Owner or Joint Owner (or the Annuitant if the Owner is a non-natural person), unless the GLWB Death Benefit is continued under the Spousal Continuation provision.

Income Phase. The period that occurs when you or a designated payee begin receiving annuity payments from the Contract.

Investment Portfolios. The means of investing offered to Owners in various underlying fund portfolios.

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.

Total Guaranteed Withdrawal Amount. While the Lifetime Withdrawal Guarantee rider is in effect, we guarantee that you will receive a minimum amount over time. We refer to this minimum amount as the Total Guaranteed Withdrawal Amount. The initial Total Guaranteed Withdrawal Amount is equal to your initial Purchase Payment. We increase the Total Guaranteed Withdrawal Amount (up to a maximum of $5,000,000) by additional Purchase Payment received.

Overview of the Contract

Purpose. The Contract is a variable annuity contract. It provides a means for investing on a tax-deferred basis in our Fixed Account and the Investment Portfolios, 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 Account Value (in the form of either withdrawals or Annuity Payments) for retirement savings or other long-term investment purposes. The Contract has various optional features and benefits that may be appropriate for you based on your financial situation and objectives. The Contract also offers certain death benefit features, which can be used to transfer assets to your beneficiaries. 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 Phase and the Income Phase. During the Accumulation Phase, 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 Phase, you can invest your Purchase Payments and Account Value in (1) the Investment Portfolios available under the Contract, each of which has an underlying mutual fund and its own investment strategies and risks; investment adviser(s); expense ratio; and performance history; and (2) the Fixed Account option, which offers a guaranteed interest rate during selected periods. Additional information about each investment option in which you can invest is provided in Appendix A.

The Income Phase occurs when you or a designated payee begin receiving regular Annuity Payments from your Contract. All optional benefits, including living and death benefits, terminate without value at the start of the Income Phase. In addition, once the Income Phase begins you generally may no longer take withdrawals from the Contract. Depending on the Annuity Option you elect, any remaining guarantee may be paid to your Beneficiary (or Beneficiaries).

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

Accessing your Money. Before you Annuitize, 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 59 1∕2. 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.

Tax Treatment. You can transfer money among Investment Portfolios 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 Benefits. The Contract includes, at no additional cost, a standard death benefit that will pay a death benefit to your Beneficiary (ies) if you die during the Accumulation Phase. For an additional charge, you may be able to select an optional death benefit, which may increase the amount of money payable to your designated beneficiaries upon your death.

Optional Benefits. We offer optional living and death benefit riders that, for additional charges, offer protection against market risk (the risk that your investments may decline in value or underperform your expectations) and may guarantee a minimum lifetime income.

Additional Services.

•Dollar Cost Averaging Program. This program allows you to systematically transfer a set amount each month between certain Investment Portfolios and the Fixed Account.

•Automatic Rebalancing Program. This program directs us to automatically rebalance your Contract to return to your original percentage investment allocations on a periodic basis.

•Systematic Withdrawal Program. This program allows you to receive regular automatic withdrawals from your Contract either monthly or quarterly, and after the first Contract Year, annually or semi-annually, provided that each payment must amount to at least $100 (unless we consent otherwise).

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 8 full Contract Years following a Purchase Payment, you may be assessed a withdrawal charge of up to 8% of the Purchase Payment withdrawn, declining to 0% over that time period. For example, if you make an early withdrawal, you could pay a withdrawal charge of up to $8,000 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 There Transaction Charges?	Yes. In addition to withdrawal charges, you also may be charged for the following transactions: transfers of cash value between investment options, which include the Investment Portfolios and the Fixed Account. 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

Benefits Available Under the Contract

The following table summarizes information about the benefits under the Contract. The availability of Contract benefits may vary depending on the state through which your Contract is issued or the selling firm through which it is sold. See Appendix G: State Variations to the prospectus and Appendix H: Financial Intermediary Variations to the prospectus. 

Name of Benefit	Purpose	Standard or Optional	Maximum Annual Fee	Current Charges	Brief Description of Restrictions / Limitations
Dollar Cost Averaging Program	Allows you to systematically transfer a set amount each month from Investment Portfolios or the Fixed Account to other available Investment Portfolios	Standard	No Charge	N/A	●Available only during the Accumulation phase ●Transfers only available from the Fixed Account or the BlackRock Ultra-Short Term Bond Portfolio ●Not available with the GLWB rider
Automatic Rebalancing Program	Allows us to automatically rebalance your Account Value to return to your original percentage allocations	Standard	No Charge	N/A	●Available only during the Accumulation phase ●If you have selected the GLWB rider, with or without the GLWB Death Benefit rider, the Fixed Account is not available for automatic rebalancing
Systematic Withdrawal Program	Allows you to set up an automatic payment of up to 10% of your total Purchase Payments each year	Standard	No Charge	N/A	●Each payment must be at least $100 (unless we consent otherwise) ●In the first Contract Year, only monthly or quarterly payments are allowed
Nursing Home or Hospital Confinement Rider	Allows you to withdraw Account Value without a withdrawal charge	Standard	No Charge	N/A	●Must own contract for at least one year ●You or your joint owner must be confined for at least 90 days ●Confinement must be prescribed by a physician or be medically necessary ●Terminates on Annuity Date ●Not available for owners 81 or older on the contract issue date ●Available in California under the Waiver of Withdrawal Charge Rider for Contracts issued on or after April 28, 2025 ●Not available in Massachusetts ●Not available in South Dakota for Contracts issued prior to April 28, 2025

Name of Benefit	Purpose	Standard or Optional	Maximum Annual Fee	Current Charges	Brief Description of Restrictions / Limitations
Lifetime Withdrawal Guarantee (LWG)	Guarantees income for life, or at least the entire amount of Purchase Payments you make will be returned to you through a series of withdrawals regardless of investment performance	Optional	1.60% of the Total Guaranteed Withdrawal Amount for single life version 1.80% of the Total Guaranteed Withdrawal Amount for joint life version	1.40% of the Total Guaranteed Withdrawal Amount for single life version 1.55% of the Total Guaranteed Withdrawal Amount for joint life version	●Guarantees income for life, subject to conditions, provided your first withdrawal is on or after the date you reach age 59 1∕2 ●You may elect to cancel the rider on the contract anniversary every five Contract Years for the first 15 Contract Years and annually thereafter ●Additional restrictions on Purchase Payments may apply ●Certain withdrawals could significantly reduce or even terminate the benefit

Buying the Contract

Purchasing the Contract

Applications should be submitted through your financial representative to our Annuity Service Center at: Brighthouse Life Insurance Company Brighthouse Life Insurance Company, P.O. Box 4365, Clinton, IA 52733-4365. We reserve the right to reject any application.

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 is issued. You may also be permitted to make subsequent Purchase Payments. Initial and subsequent Purchase Payments are subject to certain requirements.

The following requirements apply to initial and subsequent Purchase Payments. We reserve the right to reject any Purchase Payments and to limit future Purchase Payments. Certain riders may have restrictions on subsequent Purchase Payments. 

Minimum Initial Premium Payment	$5,000
Minimum Subsequent Premium Payments	$500 unless you have elected an electronic funds transfer program approved by us, in which case the minimum subsequent Purchase Payment is $100 per month.
Maximum Total Premium Payments	$1,000,000 without our approval

Allocation of Purchase Payments

When you purchase a contract, we will allocate your Purchase Payment to the Fixed Account and/or any of the Investment Portfolios you have selected. You may not choose more than 18 Investment Portfolios (including the Fixed Account) at the time your initial Purchase Payment is allocated. Each allocation must be at least $500 and must be in whole numbers. We may restrict the investment options available to you if you select certain optional riders.

Crediting Purchase Payments to Your Account

Initial Purchase Payment. Once we receive your Purchase Payment and the necessary information (or a designee receives a payment and the necessary information in accordance with the designee's administrative procedures), we will issue your contract and allocate your first Purchase Payment within 2 Business Days. If you do not give us all of the information

we need, we will contact you to get it before we make any allocation. If for some reason we are unable to complete this process within 5 Business Days, we will either send back your money or get your permission to keep it until we get all of the necessary information.

Subsequent Purchase Payment. We will treat your submission of a Purchase Payment as received by us if we receive a payment at our Annuity Service Center (or a designee receives a payment in accordance with the designee's administrative procedures) before the close of regular trading on the New York Stock Exchange on that day. If we (or our designee) receive the payment, after the close of trading on the New York Stock Exchange on that day (generally 4:00 p.m. Eastern Time), or if the New York Stock Exchange is not open that day, then the request or payment will be treated as received on the next day when the New York Stock Exchange is open.

Making Withdrawals: Accessing the Money in Your Contract

Accumulation Phase

During the Accumulation Phase, you can make a withdrawal from your contract (either a partial or a complete withdrawal). If the amount you withdraw is determined to include the withdrawal of any of your prior Purchase Payments, a withdrawal charge is assessed against each Purchase Payment withdrawn. The free withdrawal amount for each Contract Year after the first (there is no free withdrawal amount in the first Contract Year) is equal to 10% of your total Purchase Payments, less the total free withdrawal amount previously withdrawn in the same Contract Year.

There are limitations on your ability to take withdrawals during the Accumulation Phase. 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.

Income Phase

During the Income Phase, you will receive annuity payments under the Annuity Option you select; however, you generally may not take any other withdrawals, either complete or partial.

Requesting a Withdrawal

You can request to withdraw all or part of your Account Value by submitting a written request to our Annuity Service Center. We will treat your request for a contract transaction as received by us if we receive a request conforming to our administrative procedures before the close of regular trading on the New York Stock Exchange on that day. If we receive the request 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.

When you make a partial withdrawal, the withdrawal proceeds will be deducted pro rata from the Fixed Account, the Enhanced Dollar Cost Averaging account and the Investment Portfolio(s), as applicable. The withdrawal charge is deducted from the remaining Account Value, if sufficient, or from the amount withdrawn.

When you make a complete withdrawal, you will receive the withdrawal value of the contract. The withdrawal value of the contract is the Account Value of the contract at the end of the Business Day when we receive a written request for a withdrawal:

•less any applicable withdrawal charge;

•less any premium or other tax;

•less any account fee; and

•less any applicable pro rata rider charge.

Complete and partial 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 or make withdrawals from an investment option or from the Contract, or transfer Account Value between investment options. State premium taxes of 0% to 3.5% may also be deducted.

Transaction Expenses 

Withdrawal Charge (Note 1) (as a percentage of Purchase Payments withdrawn)	8%
Transfer Fee (Note 2)	$25 $0 (First 12 per year)

 

Note 1. If an amount withdrawn is determined to include the withdrawal of prior Purchase Payments, a withdrawal charge may be assessed. Withdrawal charges are calculated in accordance with the following. (See "Expenses - Withdrawal Charge" in the Prospectus.) 

Number of Complete Years from Receipt of Purchase Payment	Withdrawal Charge (% of Purchase Payment)
0	8
1	8
2	7
3	6
4	5
5	4
6	3
7	2
8 and thereafter	0

Note 2. There is no charge for the first 12 transfers in a Contract Year; thereafter the fee is $25 per transfer. We currently are waiving the transfer fee, but reserve the right to charge the fee in the future.

The next tables describe the fees and expenses that you will pay each year during the time that you own the Contract, not including Investment Portfolio fees and expenses. If you chose to purchase an optional benefit, you will pay additional charges, as shown below.  

Annual Contract Expenses
Administrative Expenses (Note 1)	$50
Base Contract Expenses (Note 2)	1.30%
(as a percentage of average Account Value in the Separate Account)
Optional Benefit Expenses (Note 3)
Optional Death Benefit - Annual Step-Up (as a percentage of average Account Value)	0.25%
Additional Death Benefit - Earnings Preservation Benefit	0.25%
(as a percentage of average Account Value)
Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider Charges

FlexChoice Access
(as a percentage of the Benefit Base (Note 4))
GLWB - maximum charge	2.00%
GLWB - current charge	1.35%
GLWB Death Benefit Rider Charges (Note 5)
(as a percentage of the GLWB Death Benefit Base (Note 6))
GLWB Death Benefit - maximum charge	1.20%
GLWB Death Benefit - current charge	0.65%
Lifetime Withdrawal Guarantee Rider Charges
(as a percentage of the Total Guaranteed Withdrawal Amount (Note 7))
Lifetime Withdrawal Guarantee
(Single Life Version) - maximum charge	1.60%
Lifetime Withdrawal Guarantee
(Single Life Version) - current charge	1.40%
Lifetime Withdrawal Guarantee
(Joint Life Version) - maximum charge	1.80%
Lifetime Withdrawal Guarantee
(Joint Life Version) - current charge	1.55%

Note 1. We call this fee the "Account Fee" in your Contract, as well as in other places in the prospectus. It is charged every Contract Year on your Contract Anniversary if the Account Value is less than $75,000. Different policies apply during the Income Phase of the contract. For instance, if your Account Value on the Annuity Date is at least $75,000, then we will not deduct the account fee. After the Annuity Date, the charge will be collected monthly out of the Annuity Payment, regardless of the size of your contract. See "Expenses" section of the prospectus, under the sub-heading "Account Fee".

In the section entitled "Important Information You Should Consider About Your Contract" earlier in this prospectus, we are required to present this fee as part of the Base Contract.

Note 2. . We call these the "Separate Account Charges" in your Contract, as well as in other places in the prospectus. This charge is deducted solely from Account Value in the Separate Account. See "Expenses" section of the prospectus, under the sub-heading "Base Contract Charges" for more information.

Note 3. These charges are deducted solely from Account Value in the Separate Account. You may only elect one living benefit rider at a time. . See "Expenses" section of the prospectus, under the sub-heading "Optional Benefits" for more information.

Note 4. On the issue date, the Benefit Base is set at an amount equal to your initial Purchase Payment. The Benefit Base is adjusted for subsequent Purchase Payments and may be adjusted for withdrawals. See "Living Benefits - Guaranteed Lifetime Withdrawal Benefit" in the prospectus for a definition of the term Benefit Base. The GLWB rider charge may increase upon an Automatic Step-Up, but it will not exceed the maximum charge listed in the table. See "Expenses" section of the prospectus, under the sub-heading "Optional Benefits" for more information. FlexChoice Access is currently available for purchase in all states.

Note 5. The GLWB Death Benefit may only be elected if the GLWB rider is elected. The GLWB Death Benefit currently is available for purchase in all states.

Note 6. On the issue date, the GLWB Death Benefit Base is set at an amount equal to your initial Purchase Payment. The GLWB Death Benefit Base is adjusted for subsequent Purchase Payments and all withdrawals. See "Living Benefits - Guaranteed Lifetime Withdrawal Benefit - GLWB Death Benefit" in the Prospectus for a definition of the term GLWB Death Benefit Base. The GLWB rider charge may increase upon an Automatic Step-Up, but it will not exceed the maximum charge listed in the table. See "Expenses." section of the prospectus under the sub-heading "Optional Benefits" for more information.

Note 7. The Total Guaranteed Withdrawal Amount is initially set at an amount equal to your initial Purchase Payment. The Total Guaranteed Withdrawal Amount may increase with additional Purchase Payments and may be adjusted for withdrawals. See "Living Benefits - Lifetime Withdrawal Guarantee" in the Prospectus for a definition of the term Total Guaranteed Withdrawal Amount. The Lifetime Withdrawal Guarantee rider charges may increase upon an Automatic Annual Step-Up, but they will not exceed the maximum charges listed in this table. See "Living Benefits" section of the prospectus under the sub-heading "Lifetime Withdrawal Guarantee  - Automatic Annual Step-Up".

The next table shows the minimum and maximum total operating expenses charged by the Investment Portfolios 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 Investment Portfolios available under the Contract, including their annual expenses, may be found in

Appendix A.

Annual Investment Portfolio Expenses 

	Minimum	Maximum
Total Annual Investment Portfolio Expenses
(expenses that are deducted from Investment Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)	0.53%	2.50%

Examples

These Examples are intended to help you compare the cost of investing in the Investment Portfolios 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 Investment Portfolio Expenses.

We have provided two sets of Examples. Both Examples assume that you invest $100,000 in the Investment Portfolios of the Contract for the time periods indicated. The Examples also assume that your investment has a 5% return each year and that the Contract is owned during the Accumulation Phase. Your costs could differ from those shown below if you invest in the Fixed Account.

The first Example assumes the most expensive Annual Investment Portfolio Expenses and the most expensive optional benefits available for an additional charge ("maximum"). This Example also shows costs assuming the least expensive Annual Investment Portfolio Expenses and the most expensive optional benefits available for an additional charge ("minimum").

The second Example assumes the most expensive Annual Investment Portfolio Expenses and that you select no optional benefits for an additional charge ("maximum"). This Example also shows costs assuming the least expensive Annual Investment Portfolio Expenses and that you select no optional benefits for an additional charge ("minimum").

Although your actual costs may be higher or lower, based on these assumptions, your costs would be the following:  

(1) If you surrender your Contract at the end of the applicable time period: 

Time Periods
	1 year	3 years	5 years	10 years
maximum	$15,051	$27,141	$38,718	$65,851
minimum	$12,930	$21,101	$29,186	$49,458

 

If you do not surrender your Contract or if you annuitize at the end of the applicable time period: 

Time Periods
	1 year	3 years	5 years	10 years
maximum	$7,051	$20,841	$34,218	$65,851
minimum	$4,930	$14,801	$24,686	$49,458

(2) If you surrender your Contract at the end of the applicable time period: 

Time Periods
	1 year	3 years	5 years	10 years
maximum	$11,851	$17,985	$24,200	$40,559
minimum	$9,880	$12,119	$14,506	$21,674

 

If you do not surrender your Contract or if you annuitize at the end of the applicable time period: 

Time Periods
	1 year	3 years	5 years	10 years
maximum	$3,851	$11,685	$19,700	$40,559
minimum	$1,880	$5,819	$10,006	$21,674

The Examples should not be considered a representation of past or future expenses or annual rates of return of any Investment Portfolio. Actual expenses and annual rates of return may be more or less than those assumed for the purpose of the Examples.

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/BHF228. You can also request this information at no cost by calling (888) 243-1932 or sending an email request to [email protected]. Depending on the optional benefits you choose, you may not be able to invest in certain Investment Portfolios. See "Investment Portfolios Available Under the Benefits Offered Under the Contract" below.

The availability of the Investment Portfolios may vary depending on the selling firm through which your Contract is sold. See Appendix H: Financial Intermediary Variations.

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 both capital appreciation and current income.	Invesco V.I. Equity and Income Fund - Series II Invesco Advisers, Inc.	0.82%	12.52%	8.68%	8.64%
Seeks long-term growth of capital.	Invesco V.I. EQV International Equity Fund - Series II Invesco Advisers, Inc.	1.15%	16.23%	3.42%	5.95%
Seeks capital appreciation.	Invesco V.I. Main Street Small Cap Fund® - Series II Invesco Advisers, Inc.	1.09%	8.44%	8.07%	10.31%
Seeks long-term growth of capital.	American Funds Global Growth Fund - Class 4# Capital Research and Management CompanySM	0.90%	21.34%	7.97%	11.89%
Seeks long-term growth of capital and income.	American Funds Growth-Income Fund - Class 4 Capital Research and Management CompanySM	0.78%	17.77%	13.62%	13.63%
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 as high a level of current income as is consistent with the preservation of capital.	American Funds The Bond Fund of America - Class 4# Capital Research and Management CompanySM	0.72%	6.98%	-0.38%	2.11%
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%

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 current income, consistent with preservation of capital, with capital appreciation as a secondary consideration.	Templeton Global Bond VIP Fund - Class 2# Franklin Advisers, Inc.	0.75%	15.73%	-0.96%	-0.15%
Seeks long-term growth of capital.	Janus Henderson Global Sustainable Equity Portfolio - Service Shares# Janus Henderson Investors US LLC	0.99%	17.26%	-	-
Seeks long-term growth of capital.	ClearBridge Variable Small Cap Growth Portfolio - Class II Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments, LLC	1.06%	8.97%	-0.42%	9.11%
Seeks to maximize total return.	Western Asset Variable Global High Yield Bond Portfolio - Class II Legg Mason Partners Fund Advisor, LLC Subadvisers: Western Asset Management Company, LLC; Western Asset Management Company Limited; Western Asset Management Company Pte. Ltd.	1.06%	9.95%	2.34%	5.09%
Seeks long-term capital appreciation.	LVIP ClearBridge Appreciation Fund - Class II# Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments, LLC	0.95%	14.19%	12.44%	13.05%
Seeks dividend income, growth of dividend income and long-term capital appreciation.	LVIP ClearBridge Dividend Strategy Fund - Class II# Legg Mason Partners Fund Advisor, LLC Subadviser: ClearBridge Investments, LLC	1.00%	12.46%	11.69%	12.29%
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 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. 

Investment Portfolios Available Under the Benefits Offered Under the Contract

If you have elected an optional benefit under the contract, your contract may be subject to investment allocation restrictions, as reflected in the following table. See "Investment Allocation Restrictions for Certain Riders" for more details. If your optional benefit is not included in the table below, your contract is not currently subject to any investment allocation restrictions.   

Optional Benefit

FlexChoice Access GLWB

GLWB Death Benefit

You may not allocate Purchase Payments to the Standard Dollar Cost Averaging Program if you elect any of these optional benefits.

Investment Allocation and Other Purchase Payment Restrictions for the GLWB

FlexChoice Access GLWB (available for purchase on and after March 5, 2018) and GLWB Death Benefit. If you elect the FlexChoice Access GLWB with or without the GLWB Death Benefit, you must allocate your investments according to either Option A or Option B below.

Option A. You must allocate 100% of your Purchase Payments or Account Value among:

 

AB Global Dynamic Allocation Portfolio

American Funds® Balanced Allocation Portfolio

American Funds® Moderate Allocation Portfolio

BlackRock Global Allocation V.I. Fund

BlackRock Global Tactical Strategies Portfolio

Brighthouse Asset Allocation 20 Portfolio

Brighthouse Asset Allocation 40 Portfolio

Brighthouse Asset Allocation 60 Portfolio

Brighthouse Balanced Plus Portfolio

OR

Option B. You must allocate up to 70% of Purchase Payments or Account Value to Platform 1 portfolios; and at least 30% of Purchase Payments or Account Value to Platform 2 portfolios. We will automatically rebalance your allocations quarterly. The investment options in each Platform are: 

Platform 1	Platform 2
A maximum of 70% of Purchase Payments or Account Value	A minimum of 30% of Purchase Payments or Account Value
AB Global Dynamic Allocation Portfolio	AB International Bond Portfolio
American Funds Global Growth Fund	American Funds The Bond Fund of America
American Funds Growth-Income Fund	BlackRock Bond Income Portfolio
American Funds SMALLCAP World Fund®	BlackRock High Yield Portfolio
American Funds® Aggressive Allocation Portfolio	BlackRock Ultra-Short Term Bond Portfolio
American Funds® Balanced Allocation Portfolio	Brighthouse/Eaton Vance Floating Rate Portfolio
American Funds® Growth Portfolio	Brighthouse/Franklin Low Duration Total Return Portfolio
American Funds® Moderate Allocation Portfolio	MetLife Aggregate Bond Index Portfolio
Baillie Gifford International Stock Portfolio	PIMCO Inflation Protected Bond Portfolio
BlackRock Capital Appreciation Portfolio	Templeton Global Bond VIP Fund

 

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 (888) 243-1932, or send an email request to [email protected]. You can also access the prospectus, SAI and other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF228.

Reports and other information about BLIC 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].