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As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 4/19/22 Brighthouse Separate Account A 485BPOS 4/29/22 6:3.9M Donnelley … Solutions/FA → Brighthouse Separate Account A ⇒ Series XC |
Document/Exhibit Description Pages Size 1: 485BPOS Series Xc Post-Effective Amendment No. 9 HTML 1.03M 2: EX-99.(G)(III) Automatic Retrocession Agreement and Amend HTML 609K Between Blic and Csl & Reinsurance Co 3: EX-99.(H)(III)(B) Amendment to Brighthouse Funds Trust I HTML 32K Participation Agreement 4: EX-99.(H)(IV)(B) Amendment to Brighthouse Funds Trust Ii HTML 32K Participation Agreement 5: EX-99.L Consent of Independent Registered Public HTML 6K Accounting Firm (D&T) 6: EX-99.P Powers of Attorney HTML 130K
Series XC Post-Effective Amendment No. 9 |
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | |
Pre-Effective Amendment No. | □ |
Post-Effective Amendment No. 9 | ☒ |
and | |
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 | |
Amendment No. 757 | ☒ |
□ | immediately upon filing pursuant to paragraph (b) of Rule 485. |
☒ | on April 29, 2022 pursuant to paragraph (b) of Rule 485. |
□ | 60 days after filing pursuant to paragraph (a)(1) of Rule 485. |
□ | on (date) pursuant to paragraph (a)(1) of Rule 485. |
□ | this post-effective amendment designates a new effective date for a previously filed post-effective amendment. |
• | are not bank deposits |
• | are not FDIC insured |
• | are not insured by any federal government agency |
• | are not guaranteed by any bank or credit union |
• | may be subject to loss of principal |
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A-1 |
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A-1 |
Fees and Expenses | Location
in Prospectus | ||||
Charges for Early Withdrawals | If
you withdraw money during the first 9 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Years following a Purchase Payment, you may be assessed a withdrawal charge of up to 8% of the Purchase Payment withdrawn, declining to 0% over that time period.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. |
Fee
Table and Examples Expenses – Withdrawal Charge | |||
Transaction Charges | 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 |
Fees and Expenses | Location
in Prospectus | ||||
Ongoing Fees and Expenses (annual charges) | The table below describes the fees and expenses that you may pay each year, depending on the 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 Expenses – Product Charges Appendix A: Investment Portfolios Available Under the Contract | |||
Annual Fee | Minimum | Maximum | |||
Base Contract1 |
1.57% |
1.57% | |||
Investment options (Portfolio Company fees and expenses)2 |
0.52% |
1.25% | |||
Optional benefits available for an additional charge (for a single optional benefit, if elected) |
0.20%3 |
1.50% 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 average Account Value in the Separate Account. This charge is the current charge for the least expensive optional benefit. 4 As a percentage of the Total Guaranteed Withdrawal Amount, which is a value used to calculate your optional 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 $2,355 |
Highest
Annual Cost $6,853 | ||||
Assumes: | Assumes: | ||||
•
Investment of $100,000 • 5% annual appreciation • Least expensive Portfolio Company fees and expenses • No optional benefits • No Purchase Payment Credits • No additional Purchase Payments, transfers, or withdrawals |
•
Investment of $100,000 • 5% annual appreciation • Most expensive combination of optional benefits and Portfolio Company fees and expenses • No Purchase Payment Credits • No additional Purchase Payments, transfers, or withdrawals |
Risks | Location
in Prospectus | ||||
Risk of Loss | You can lose money by investing in this Contract including loss of principal. | Principal Risks | |||
Not a Short-Term Investment | This
Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawal charges may apply for the first 9 years of the Contract. Withdrawal charges will reduce the value of your Contract if you withdraw money during that time. The benefits of tax deferral and living benefit protection also mean the Contract is more beneficial to investors with a long time horizon. |
Principal Risks | |||
Risks Associated with 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., Portfolio Companies). • Each investment option, including the Fixed Account, 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. |
Principal Risks | |||
Insurance Company Risks | An investment in the Contract is subject to the risks related to us. Any obligations (including under the Fixed Account), 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. | Principal Risks | |||
Restrictions | |||||
Investments | •
Currently, we allow unlimited transfers without charge among investment options during the Accumulation Phase. However, we reserve the right to 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 remove or substitute the Portfolio Companies available as investment options under the Contract. |
Investment Options | |||
Optional Benefits | •
Certain optional benefits limit or restrict the investment options that you may select under the Contract. We may change these restrictions in the future. • Certain optional benefits could limit subsequent Purchase Payments. • 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. • Purchase Payment Credits are not included in the calculation of any optional benefit, as well as the Standard Death Benefit. |
Purchase
– Investment Allocation Restrictions for Certain Riders Living Benefits Appendix B:Investment Portfolios Available Under the Benefits Offered Under the Contract | |||
Taxes | |||||
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 | Location
in Prospectus | ||||
Investment
Professional Compensation |
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 – Distributor | |||
Exchanges | 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, that it is better for you to purchase the new Contract rather than continue to own your existing Contract. | Replacement of Contracts and Other Exchanges |
• | Dollar Cost Averaging Programs. These programs allow you to systematically transfer a set amount each month between certain Investment Portfolios and the Fixed Account. The programs are: the Standard Dollar Cost Averaging, Enhanced Dollar Cost Averaging and Three Month Market Entry. |
• | 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). |
• | Electronic Delivery. As an Owner you may elect to receive electronic delivery of current prospectuses related to this contract, as well as other contract related documents. |
Withdrawal
Charge (Note 1) (as a percentage of Purchase Payments) |
8% |
Transfer Fee (Note 2) | $25
$0 (First 12 per year) |
Number
of Complete Years from Receipt of Purchase Payment |
Withdrawal
Charge (% of Purchase Payment) | |
0 | 8 | |
1 | 8 | |
2 | 8 | |
3 | 7 | |
4 | 6 | |
5 | 5 | |
6 | 4 | |
7 | 3 | |
8 | 2 | |
9 and thereafter | 0 |
Annual Contract Expenses | |
Administrative Expenses (Note 1) | $30 |
Base Contract Expenses (Note 2) | 1.55% |
(as a percentage of average Account Value) | |
Optional Benefit Expenses (Note 3, Note 4) | |
Optional Death Benefit — Annual Step-Up (as a percentage of average Account Value) | 0.20% |
Optional Death Benefit — Compounded-Plus (as a percentage of average Account Value) | 0.35% |
Additional Death Benefit — Earnings Preservation Benefit | 0.25% |
(as a percentage of average Account Value) | |
Guaranteed Minimum Income Benefit (GMIB) Rider Charges | |
(as a percentage of the Income Base (Note 5)) | |
GMIB Plus II — maximum charge | 1.50% |
GMIB Plus II — current charge | 1.00% |
GMIB Plus I — maximum charge | 1.50% |
GMIB Plus I — current charge | 0.80% |
GMIB II and GMIB I | 0.50% |
Lifetime Withdrawal Guarantee Rider Charges | |
(as a percentage of the Total Guaranteed Withdrawal Amount(Note 6)) | |
Lifetime Withdrawal Guarantee II | |
Single Life version — maximum charge | 1.60% |
Single Life version — current charge | 1.25% |
Joint Life version — maximum charge | 1.80% |
Joint Life version — current charge | 1.50% |
Lifetime Withdrawal Guarantee I | |
Single Life version — maximum charge | 0.95% |
Single Life version — current charge | 0.50% |
Joint Life version — maximum charge | 1.40% |
Joint Life version — current charge | 0.70% |
Guaranteed Withdrawal Benefit Rider Charges | |
(as a percentage of the Guaranteed Withdrawal Amount (Note 7)) | |
Enhanced Guaranteed Withdrawal Benefit — maximum charge | 1.00% |
Enhanced Guaranteed Withdrawal Benefit — current charge | 0.55% |
Guaranteed Withdrawal Benefit I — maximum charge | 0.95% |
Guaranteed Withdrawal Benefit I — current charge | 0.50% |
Guaranteed Minimum Accumulation Benefit Rider Charge | |
(as a percentage of the Guaranteed Minimum Accumulation Amount (Note 8)) | 0.75% |
Enhanced Death Benefit Rider Charges | |
(as a percentage of the Death Benefit Base (Note 9)) | |
Enhanced Death Benefit I — maximum charge | 1.50% |
Enhanced Death Benefit I (issue age 69 or younger) — current charge | 0.75% |
Enhanced Death Benefit I (issue age 70-75) — current charge | 0.95% |
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) | 0.52% | 1.25% |
Time Periods | ||||
1 year | 3 years | 5 years | 10 years | |
maximum | $14,322 | $26,858 | $39,455 | $75,159 |
minimum | $13,563 | $24,571 | $35,639 | $67,635 |
Time Periods | ||||
1 year | 3 years | 5 years | 10 years | |
maximum | $6,322 | $19,658 | $34,055 | $75,159 |
minimum | $5,563 | $17,371 | $30,239 | $67,635 |
Time Periods | ||||
1 year | 3 years | 5 years | 10 years | |
maximum | $10,942 | $16,526 | $21,938 | $38,930 |
minimum | $10,183 | $14,154 | $17,821 | $29,836 |
Time Periods | ||||
1 year | 3 years | 5 years | 10 years | |
maximum | $2,942 | $9,326 | $16,538 | $38,930 |
Time Periods | ||||
1 year | 3 years | 5 years | 10 years | |
minimum | $2,183 | $6,954 | $12,421 | $29,836 |
• | The minimum initial Purchase Payment we will accept is $10,000. |
• | The maximum total Purchase Payments for the contract is $1,000,000, without prior approval from us. |
• | The minimum subsequent Purchase Payment is $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. |
• | We will accept a different amount if required by federal tax law. |
• | 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.”) |
• | We will not accept Purchase Payments made with cash, money orders, or travelers checks. |
• | We reserve the right to reject any Purchase Payment and to limit future Purchase Payments. This means that we may restrict your ability to make subsequent Purchase Payments for any reason, subject to applicable requirements in your state. We may make certain exceptions to restrictions on subsequent Purchase Payments in accordance with our established administrative procedures. |
• | Certain riders have current restrictions on subsequent Purchase Payments that are described in more detail below. For more information, see these subsections below: “Restrictions on Subsequent Purchase Payments — GMIB Plus II, Lifetime Withdrawal Guarantee II, and EDB I,” and “Restrictions on Subsequent Purchase Payments for GMIB I, GMIB Plus I, GWB I, Enhanced GWB, Lifetime Withdrawal Guarantee I, and GMAB.” |
• | the credited interest rate on the Fixed Account is equal to the guaranteed minimum rate indicated in your contract; or |
• | your Account Value in the Fixed Account equals or exceeds our published maximum for Fixed Account allocation (currently, there is no limit; we will notify you of any such maximum allocation limit); or |
• | a transfer was made out of the Fixed Account within the previous 180 days. |
1) | you elected only the GMIB Plus II rider, and it terminates (see “Living Benefits – Guaranteed Income Benefits – Description of GMIB Plus II”); or |
2) | you elected both the GMIB Plus II and the EDB I, and both riders terminate (see “Living Benefits – Guaranteed Income Benefits – Description of GMIB Plus II” and “Death Benefit — Optional Death Benefit — Enhanced Death Benefit I”). |
• | Your request for transfer must clearly state which Investment Portfolio(s) or the Fixed Account are involved in the transfer. |
• | Your request for transfer must clearly state how much the transfer is for. |
• | The minimum amount you can transfer is $500 from an Investment Portfolio, or your entire interest in the Investment Portfolio, if less (this does not apply to pre-scheduled transfer programs). |
• | The minimum amount that may be transferred from the Fixed Account is $500, or your entire interest in the Fixed Account. Transfers out of the Fixed Account during the Accumulation Phase are limited to the greater of: (a) 25% of the Fixed Account value at the beginning of the Contract Year, or (b) the amount transferred out of the Fixed Account in the prior Contract Year. Currently we are not imposing these restrictions on transfers out of the Fixed Account, but we have the right to reimpose them at any time. You should be aware that, if transfer restrictions are imposed, it may take a while (even if you make no additional Purchase Payments or transfers into the Fixed Account) to make a complete transfer of your Account Value from the Fixed Account. When deciding whether to invest in the Fixed Account it is important to consider whether the transfer restrictions fit your risk tolerance and time horizon. |
• | You may not make a transfer to more than 18 Investment Portfolios (including the Fixed Account) at any time if the request is made by telephone to our voice response system or by Internet. A request to transfer to more than 18 Investment Portfolios (including the Fixed Account) may be made by calling or writing our Annuity Service Center. |
• | If you have elected to add the GMIB Plus I, GMIB Plus II, Lifetime Withdrawal Guarantee I, Lifetime Withdrawal Guarantee II, or Enhanced Death Benefit I |
rider to your contract, you may only make transfers between certain Investment Portfolios. Please refer to the sections “Purchase — Allocation of Purchase Payments” and “Appendix B - Investment Portfolios Available Under the Benefits Offered Under the Contract” for more information. |
• | If you have elected to add the Guaranteed Minimum Accumulation Benefit rider to your contract, you may not transfer out of the Investment Portfolio you chose at issue until the rider terminates. Please refer to the section “Living Benefits — Guaranteed Minimum Accumulation Benefit.” |
• | the credited interest rate on the Fixed Account is equal to the guaranteed minimum rate indicated in your contract; or |
• | your Account Value in the Fixed Account equals or exceeds our published maximum for Fixed Account allocation (currently, there is no limit; we will notify you of any such maximum allocation limit); or |
• | a transfer was made out of the Fixed Account within the previous 180 days. |
1. | Standard Dollar Cost Averaging (DCA) |
2. | Enhanced Dollar Cost Averaging (EDCA) Program |
• | The EDCA transfer amount will be increased by the subsequent Purchase Payment divided by the number of EDCA months (6 or 12 months as you selected) and thereby accelerates the time period over which transfers are made. |
• | Each allocation (bucket) resulting from a subsequent Purchase Payment will earn interest at the then current interest rate applied to new allocations to an EDCA account of the same monthly term. |
• | Allocations (buckets) resulting from each Purchase Payment, along with the interest credited, will be transferred on a first-in, first-out basis. Using the |
example above, a subsequent $6,000 allocation to a 6 month EDCA will increase the EDCA transfer amount from $2,000 to $3,000 ($2,000 plus $6,000/6). This increase will have the effect of accelerating the rate at which the 1st payment bucket is exhausted. |
Annual Step-Up Death Benefit | 0.20%* |
Compounded-Plus Death Benefit | 0.35%* |
Additional Death Benefit — Earnings Preservation Benefit | 0.25% |
• | the death of the Owner or Joint Owner (or the Annuitant, if a non-natural person owns the contract); |
• | because it is the 30th day following the contract anniversary prior to the Owner’s 86th birthday (for GMIB I, GMIB II, or GMIB Plus I) or 91st birthday (for GMIB Plus II); or |
• | the Guaranteed Principal Option is exercised (only applicable to GMIB Plus I and GMIB Plus II). |
• | For contracts issued with the Lifetime Withdrawal Guarantee II rider on or after February 24, 2009, the Maximum Automatic Annual Step-Up Charge is 1.60% for the Single Life version and 1.80% for the Joint Life version. |
• | For contracts issued with the Lifetime Withdrawal Guarantee II rider on or before February 23, 2009, the Maximum Automatic Annual Step-Up Charge is 1.25% for the Single Life version and 1.50% for the Joint Life version. |
• | For contracts issued with the Lifetime Withdrawal Guarantee I rider, the Maximum Automatic Annual Step-Up Charge is 0.95% for the Single Life version and 1.40% for the Joint Life version. |
• | If an Optional Reset occurs under a contract issued with the Enhanced GWB rider on or after July 16, 2007, we may reset the rider charge applicable beginning after the contract anniversary on which the Optional Reset occurs to the rate that would be applicable to current contract purchases of the same rider at the time of the Optional Reset, but to no more than a maximum of 1.00% of the Guaranteed Withdrawal Amount. |
• | If an Optional Reset occurs under a contract issued with the Enhanced GWB rider on or before July 13, 2007, we may reset the rider charge applicable beginning after the contract anniversary on which the Optional Reset occurs to the rate that would be applicable to current contract purchases of the same rider at the time of the Optional Reset, but to no more than a maximum of 0.95% of the Guaranteed Withdrawal Amount. |
• | If an Optional Reset occurs under a contract with the GWB I rider, we may reset the rider charge applicable beginning after the contract anniversary on which the Optional Reset occurs to the rate that would be applicable to current contract purchases of the same rider at the time of the reset, but to no more than a maximum of 0.95% of the Guaranteed Withdrawal Amount. |
Number
of Complete Years from Receipt of Purchase Payment |
Withdrawal
Charge (% of Purchase Payment) | |
0 | 8 | |
1 | 8 | |
2 | 8 | |
3 | 7 | |
4 | 6 | |
5 | 5 | |
6 | 4 | |
7 | 3 | |
8 | 2 | |
9 and thereafter | 0 |
• | fixed Annuity Payments, or |
• | variable Annuity Payments, or |
• | a combination of both. |
• | The dollar amount of the first variable Annuity Payment is divided by the value of an Annuity Unit for each applicable Investment Portfolio as of the annuity calculation date. This establishes the number of Annuity Units for each payment. The number of Annuity Units for each applicable Investment Portfolio remains fixed during the annuity period, provided that transfers among the Investment Portfolios will be made by converting the number of Annuity Units being transferred to the number of Annuity Units of the Investment Portfolio to which the transfer is made, and the number of Annuity Units will be adjusted for transfers to a fixed Annuity Option. Please see the Statement of Additional Information for details about making transfers during the Annuity Phase. |
• | The fixed number of Annuity Units per payment in each Investment Portfolio is multiplied by the Annuity Unit value for that Investment Portfolio for the |
Business Day for which the Annuity Payment is being calculated. This result is the dollar amount of the payment for each applicable Investment Portfolio, less any account fee. The account fee will be deducted pro rata out of each Annuity Payment. | |
• | The total dollar amount of each variable Annuity Payment is the sum of all Investment Portfolio variable Annuity Payments. |
• | less any applicable withdrawal charge; |
• | less any premium or other tax; |
• | less any account fee; and |
• | less any applicable pro rata GMIB, GWB, GMAB or Enhanced Death Benefit rider charge. |
• | You must submit a request to our Annuity Service Center. (See “Other Information — Requests and Elections.”) |
• | If you would like to have the withdrawal charge waived under the Nursing Home or Hospital Confinement Rider or the Terminal Illness Rider, you must provide satisfactory evidence of confinement to a nursing home or hospital or terminal illness. (See “Expenses — Reduction or Elimination of the Withdrawal Charge.”) |
• | You must state in your request whether you would like to apply the proceeds to a payment option (otherwise you will receive the proceeds in a lump sum and may be taxed on them). |
• | We have to receive your withdrawal request in our Annuity Service Center prior to the Annuity Date or Owner's death; provided, however, that you may submit a written withdrawal request any time prior to the Annuity Date that indicates that the withdrawal should be processed as of the Annuity Date. Solely for the purpose of calculating and processing such a withdrawal request, 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 Annuity Date. Your request must be received at our Annuity Service Center on or before the Annuity Date. |
• | the New York Stock Exchange is closed (other than customary weekend and holiday closings); |
• | trading on the New York Stock Exchange is restricted; |
• | an emergency exists, as determined by the Securities and Exchange Commission, as a result of which disposal of shares of the Investment Portfolios is not reasonably practicable or we cannot reasonably value the shares of the Investment Portfolios; or |
• | during any other period when the Securities and Exchange Commission, by order, so permits for the protection of Owners. |
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 |
Enhanced Dollar Cost Averaging (EDCA) Program | Allows you to systematically transfer amounts from the EDCA account in the general account, to any available Investment Portfolio(s) you select | Standard | No Charge | N/A | •
Available only during the Accumulation phase • Generally only available for new Purchase Payments or portions thereof • Not available in Oregon |
Three Month Market Entry Program | Allows you to systematically transfer amounts from the EDCA account in the general account, to any available Investment Portfolio(s) you select, over a three months period | Standard | No Charge | N/A | •
Available only during the Accumulation phase • Transfers are limited to a three month duration |
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 GMAB 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 and be medically necessary • Terminates on Annuity Date • Not available for owners 81 or older on the contract issue date • Not available in Massachusetts |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Terminal Illness Rider | Allows you to withdraw Account Value without a withdrawal charge | Standard | No Charge | N/A | •
Must own contract for at least one year to incur no withdrawal charge • Must be terminally ill and not expected to live more than 12 months; a physician certifies to your illness and life expectancy; you were not diagnosed with the terminal illness as of the date we issued your contract; and you have been the Owner continuously since the contract was issued (or have become the Owner as the spousal Beneficiary who continues the contract) • Terminates on Annuity Date • Not available for owners 81 or older on the contract issue date • Not available in Massachusetts |
Standard Death Benefit – Principal Protection | Pays a minimum death benefit at least equal to the greater of the Account Value or total Purchase Payments adjusted for any withdrawals | Standard | No Charge | N/A | •
Withdrawals may proportionately reduce the benefit, and such reductions could be significant • Purchase Payment Credits are not included in the calculation of the death benefit |
Annual Step-Up Death Benefit | Pays a death benefit equal to the greater of your Account Value, your total Purchase Payments adjusted for any withdrawals, or your Step-Up Value | Optional | 0.20% of average daily net asset value of each Investment Portfolio | 0.20% of average daily net asset value of each Investment Portfolio | •
No longer available • Must be 79 or younger at the effective date of your contract • Withdrawals may proportionately reduce the benefit, and such reductions could be significant • Purchase Payment Credits are not included in the calculation of the death benefit |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Compounded-Plus Death Benefit | Pays a death benefit equal to the greater of your Account Value and your highest Account Value on a Contract Anniversary or the Annual Increase Amount adjusted for any withdrawals. | Optional | 0.35% of average daily net asset value of each Investment Portfolio | 0.35% of average daily net asset value of each Investment Portfolio | •
No longer available • Must be 79 or younger at the effective date of your contract • Withdrawals may proportionately reduce the benefit, and such reductions could be significant and could have the effect of eliminating the benefit • Purchase Payment Credits are not included in the calculation of the death benefit |
Death Benefit – Earnings Preservation Benefit | Pays an additional death benefit that is intended to help pay part of the income taxes due at the time of death of the Owner or Joint Owner | Optional | 0.25% of average daily net asset value of each Investment Portfolio | 0.25% of average daily net asset value of each Investment Portfolio | •
No longer available • Must be 79 or younger at the effective date of your contract • Purchase Payment Credits are not included in the calculation of any additional death benefit • This benefit may not be available for qualified plans • Not available in Washington |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Guaranteed Minimum Income Benefit Plus II (GMIB Plus II) | Provides a specified guaranteed level of minimum fixed Annuity Payments during the Income Phase regardless of investment performance | Optional | 1.50% of the Income Base | 1.00% of the Income Base | •
No longer available • You may not have this benefit and another living benefit rider in effect at the same time • Certain withdrawals could significantly reduce or even terminate the benefit • Benefit subject to Investment Portfolio allocation restrictions • Benefit may be exercised after a 10-year waiting period and then only within 30 days following a contract anniversary • Benefit must be exercised no later than the 30-day period following the contract anniversary prior to the Owner’s 91st birthday • Exercising option to reset the Annual Increase Amount to Account Value will restart the 10-year waiting period • Additional restrictions on Purchase Payments may apply • Guaranteed Principal Option may be exercised on each contract anniversary starting with the 10th contract anniversary through the contract anniversary prior to the Owner’s 91st birthday • Exercising the Guaranteed Principal Option terminates the benefit • Enhanced Payout Rates, which may be available upon exercise of the benefit, depend on your age at the time you took your first withdrawal and other circumstances • Purchase Payment Credits are not included in the calculation of any guaranteed minimum income amount |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Guaranteed Minimum Income Benefit Plus I (GMIB Plus I) | Provides a specified guaranteed level of minimum fixed Annuity Payments during the Income Phase regardless of investment performance | Optional | 1.50% of the Income Base | 0.80% of the Income Base | •
No longer available • You may not have this benefit and another living benefit rider in effect at the same time • Certain withdrawals could significantly reduce or even terminate the benefit • Benefit subject to Investment Portfolio allocation restrictions • Benefit may be exercised after a 10-year waiting period and then only within 30 days following a contract anniversary • Benefit must be exercised no later than the 30-day period following the contract anniversary prior to the Owner’s 91st birthday • Exercising option to reset the Annual Increase Amount to Account Value will restart the 10-year waiting period • Additional restrictions on Purchase Payments may apply • Guaranteed Principal Option may be exercised on each contract anniversary starting with the 10th contract anniversary through the contract anniversary prior to the Owner’s 91st birthday • Exercising the Guaranteed Principal Option terminates the benefit • Enhanced Payout Rates, which may be available upon exercise of the benefit, depend on your age at the time you took your first withdrawal and other circumstances • Purchase Payment Credits are not included in the calculation of any guaranteed minimum income amount |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Guaranteed Minimum Income Benefit II (GMIB II) | Provides a specified guaranteed level of minimum fixed Annuity Payments during the Income Phase regardless of investment performance | Optional | 0.50% of the Income Base | 0.50% of the Income Base | •
No longer available • Benefit may be exercised after a 10-year waiting period up through age 85, within 30 days following a contract anniversary • Benefit must be exercised no later than the 30-day period following the contract anniversary prior to the Owner’s 85th birthday • Certain withdrawals could significantly reduce or even terminate the benefit • Additional restrictions on Purchase Payments may apply • Enhanced Payout Rates, which may be available upon exercise of the benefit, depend on your age at the time you took your first withdrawal and other circumstances • Purchase Payment Credits are not included in the calculation of any guaranteed minimum income amount |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Guaranteed Minimum Income Benefit I (GMIB I) | Provides a specified guaranteed level of minimum fixed Annuity Payments during the Income Phase regardless of investment performance | Optional | 0.50% of the Income Base | 0.50% of the Income Base | •
No longer available • Benefit may be exercised after a 10-year waiting period up through age 85, within 30 days following a contract anniversary • Benefit must be exercised no later than the 30-day period following the contract anniversary prior to the Owner’s 85th birthday • Certain withdrawals could significantly reduce or even terminate the benefit • Additional restrictions on Purchase Payments may apply • Enhanced Payout Rates, which may be available upon exercise of the benefit, depend on your age at the time you took your first withdrawal and other circumstances • Purchase Payment Credits are not included in the calculation of any guaranteed minimum income amount |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Lifetime Withdrawal Guarantee II (LWG II) | 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 |
1.25%
of the Total Guaranteed Withdrawal Amount for single life version 1.50% of the Total Guaranteed Withdrawal Amount for joint life version |
•
No longer available • 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 • Benefit subject to Investment Portfolio allocation restrictions • Additional restrictions on Purchase Payments may apply • Certain withdrawals could significantly reduce or even terminate the benefit • Purchase Payment Credits are not included in the calculation of any Guaranteed Withdrawal Amount |
Lifetime Withdrawal Guarantee I (LWG I) | 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 | 0.95%
of the Total Guaranteed Withdrawal Amount for single life version 1.40% of the Total Guaranteed Withdrawal Amount for joint life version |
0.50%
of the Total Guaranteed Withdrawal Amount for single life version 0.70% of the Total Guaranteed Withdrawal Amount for joint life version |
•
No longer available • 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 • Benefit subject to Investment Portfolio allocation restrictions • Additional restrictions on Purchase Payments may apply • Certain withdrawals could significantly reduce or even terminate the benefit • Purchase Payment Credits are not included in the calculation of any Guaranteed Withdrawal Amount |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Enhanced Guaranteed Withdrawal Benefit (Enhanced GWB) | Guarantees that 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 | 1.00% of the Guaranteed Withdrawal Amount | 0.55% of the Guaranteed Withdrawal Amount | •
No longer available • You may elect to cancel the rider during the 90-day period following your fifth Contract Year • Certain withdrawals could significantly reduce or even terminate the benefit • Additional restrictions on Purchase Payments may apply • You may elect the Optional Reset feature at any contract anniversary prior to your 86th birthday • Purchase Payment Credits are not included in the calculation of any Guaranteed Withdrawal Amount |
Guaranteed Withdrawal Benefit I (GWB I) | Guarantees that 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 | 0.95% of the Guaranteed Withdrawal Amount | 0.50% of the Guaranteed Withdrawal Amount | •
No longer available • Certain withdrawals could significantly reduce or even terminate the benefit • Additional restrictions on Purchase Payments may apply • Starting with the third contract anniversary, you may elect the Optional Reset feature once every contract anniversary prior to the 86th birthday of the Owner provided that it has been at least three contract anniversaries since the last reset • Purchase Payment Credits are not included in the calculation of any Guaranteed Withdrawal Amount |
Name of Benefit | Purpose | Standard
or Optional |
Maximum
Annual Fee |
Current
Charges |
Brief
Description of Restrictions / Limitations |
Guaranteed Minimum Accumulation Benefit (GMAB) | Guarantees that 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 | 0.75% of the Guaranteed Accumulation Amount | 0.75% of the Guaranteed Accumulation Amount | •
No longer available • Benefit subject to Investment Portfolio allocation restrictions • No transfers are permitted while this benefit is in effect • Additional restrictions on Purchase Payments may apply • You may not have this benefit and benefit rider in effect at the same time • Withdrawals may proportionately reduce the Guaranteed Accumulation Amount, and such reductions could be significant • You have a one-time right to cancel this benefit on your fifth contract anniversary • Purchase Payment Credits are not included in the calculation of any Guaranteed Accumulation Amount |
Enhanced Death Benefit I (EDB I) | Pays a death benefit equal to the greater of your Account Value or a Death Benefit Base that provides protection against adverse investment experience | Optional | 1.50% of the Death Benefit Base | 0.75%
of the Death Benefit Base (issue age 69 or younger) 0.95% of the Death Benefit Base (issue age 70-75) |
•
No longer available • You may not have this benefit and another living benefit rider (except the GMIB Plus II rider) in effect at the same time • Benefit subject to Investment Portfolio allocation restrictions • Withdrawals may proportionately reduce the Death Benefit Base, and such reductions could be significant and could have the effect of eliminating the benefit • Additional restrictions on Purchase Payments may apply • Purchase Payment Credits are not included in the calculation of the death benefit |
• | Guaranteed Minimum Income Benefit Plus (GMIB Plus I and GMIB Plus II) |
• | Guaranteed Minimum Income Benefit (GMIB I and GMIB II) |
• | Lifetime Withdrawal Guarantee (LWG I and LWG II) |
• | Enhanced Guaranteed Withdrawal Benefit (Enhanced GWB) |
• | Guaranteed Withdrawal Benefit I (GWB I) |
• | the Annuity Payment determined by applying the amount of the Income Base to the GMIB Annuity Table, or |
• | the Annuity Payment determined for the same Annuity Option in accordance with the base contract. (See “Annuity Payments (The Income Phase).”) |
(1) | The withdrawal adjustment for each |
withdrawal in a Contract Year is the value of the Annual Increase Amount immediately prior to the withdrawal multiplied by the percentage reduction in Account Value attributed to that withdrawal (including any applicable withdrawal charge); or | |
(2) | If total withdrawals in a Contract Year are 5% or less of the Annual Increase Amount on the issue date or on the prior contract anniversary after the first Contract Year, and if these withdrawals are paid to you (or the Annuitant if the contract is owned by a non-natural person) or to another payee we agree to, the total withdrawal adjustments for that Contract Year will be set equal to the dollar amount of total withdrawals (including any applicable withdrawal charge) in that Contract Year. These withdrawal adjustments will replace the withdrawal adjustments defined in (1) above and be treated as though the corresponding withdrawals occurred at the end of that Contract Year. |
• | the Annuity Payment determined by applying the amount of the Income Base to the GMIB Annuity Table, or |
• | the Annuity Payment determined for the same Annuity Option in accordance with the base contract. (See “Annuity Payments (The Income Phase).”) |
• | you take no withdrawals prior to age 62; |
• | your Account Value is fully withdrawn or decreases to zero at or after your 62nd birthday and there is an Income Base remaining; and |
• | the Annuity Option you select is the single life annuity with 5 years of Annuity Payments guaranteed; |
• | you take no withdrawals prior to age 60; |
• | your Account Value is fully withdrawn or decreases to zero at or after your 60th birthday and there is an Income Base remaining; and |
• | the Annuity Option you select is the single life annuity with 5 years of Annuity Payments guaranteed; |
• | the spouse elects to continue the contract and the GMIB rider under termination provision d) above; and |
• | before the 10-year waiting period to exercise the GMIB rider has elapsed, the GMIB rider will terminate under termination provision a) above (because it is the 30th day following the contract anniversary prior to the spouse’s 91st birthday); |
(1) | The annual increase rate is 6% through the contract anniversary immediately prior to your 91st birthday, and 0% per year thereafter. |
(2) | If total withdrawals in a Contract Year are 6% or less of the Annual Increase Amount on the issue date or on the prior contract anniversary after the first Contract Year, and if these withdrawals are paid to you (or the Annuitant if the contract is owned by a non-natural person) or to another payee we agree to, the total withdrawal adjustments for that Contract Year will be set equal to the dollar amount of total withdrawals (including any applicable withdrawal charge) in that Contract Year. |
(3) | The fixed Annuity Options are the single life annuity with 10 years of Annuity Payments guaranteed (if you choose to start the Annuity Option after age 79, the year of the Guarantee Period component of the Annuity Option is reduced to: 9 years at age 80, 8 years at age 81, 7 years at age 82, 6 years at age 83, or 5 years at ages 84 through 90) or the joint and last survivor annuity with 10 years of Annuity Payments guaranteed (not available for Qualified Contracts where the difference in ages of the joint Annuitants is greater than 10 years; this limitation only applies to joint Annuitants who are not spouses). |
(4) | Different investment allocation restrictions apply. (See “Purchase — Investment Allocation Restrictions for Certain Riders.”) |
(5) | If your Income Base is increased due to an Optional Step-Up on a contract anniversary occurring on July 1, 2012 or later, we currently will increase the rider charge to 1.20% of the Income Base, applicable after the contract anniversary on which the Optional Step-Up occurs. |
(6) | The GMIB Annuity Table is calculated based on the Annuity 2000 Mortality Table with a 7-year age set back with interest of 1.5% per annum. |
(7) | The GMIB payout rates are enhanced to be at least (a) 6% of the Income Base (calculated on the date the payments are determined) in the event: (i) you |
take no withdrawals prior to age 62; (ii) your Account Value is fully withdrawn or decreases to zero on or after your 62nd birthday and there is an Income Base remaining; and (iii) the Annuity Option you select is the single life annuity with 10 years of Annuity Payments guaranteed, or (b) 5% of the Income Base (calculated on the date the payments are determined) if: (i) you take no withdrawals prior to age 60; (ii) your Account Value is fully withdrawn or decreases to zero on or after your 60th birthday and there is an Income Base remaining; and (iii) the Annuity Option you select is the single life annuity with 10 years of Annuity Payments guaranteed. |
(6) | The GMIB Annuity Table is calculated based on the Annuity 2000 Mortality Table with a 7-year age set back with interest of 2.5% per annum. |
(7) | The GMIB payout rates are enhanced to be at least 6% of the Income Base (calculated on the date the payments are determined) in the event: (i) you take no withdrawals prior to age 60; (ii) your Account Value is fully withdrawn or decreases to zero on or after your 60th birthday and there is an Income Base remaining; and (iii) the Annuity Option you select is the single life annuity with 10 years of Annuity Payments guaranteed. |
• | the spouse elects to continue the contract and the GMIB rider under termination provision d) above; and |
• | before the 10-year waiting period to exercise the GMIB rider has elapsed, the GMIB rider will terminate under termination provision a) above (because it is the 30th day following the contract anniversary on or following the spouse’s 85th birthday); |
• | the spouse elects to continue the contract and the GMIB rider under termination provision d) above; and |
• | before the 10-year waiting period to exercise the GMIB rider has elapsed, the GMIB rider will terminate under termination provision a) above (because it is the 30th day following the contract anniversary on or following the spouse’s 85th birthday); |
• | resets the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed Withdrawal Amount to the Account Value on the date of the step-up, up to a maximum of $10,000,000, regardless of whether or not you have taken any withdrawals; |
• | resets the Annual Benefit Payment equal to 5% of the Total Guaranteed Withdrawal Amount after the step-up (or 6% if you make your first withdrawal during a Contract Year in which the Owner (or older Joint Owner, or Annuitant if the Owner is a non-natural person) attains or will attain age 76 or older); and |
• | may reset the LWG II rider charge to a rate that does not exceed the lower of: (a) the Maximum Automatic Annual Step-Up Charge (1.60% for the Single Life version or 1.80% for the Joint Life version) or (b) the current rate that we would charge for the same rider available for new contract purchases at the time of the Automatic Annual Step-Up. |
• | If you take your first withdrawal before the date you reach age 59 1⁄2, we will continue to pay the Annual Benefit Payment each year until the Remaining Guaranteed Withdrawal Amount is depleted, even if your Account Value declines to zero. This means if your Account Value is depleted due to a Non-Excess Withdrawal or the deduction of the rider charge, and your Remaining Guaranteed Withdrawal Amount is greater than zero, we will pay you the remaining Annual Benefit Payment, if any, not yet withdrawn during the Contract Year that the Account Value was depleted, and beginning in the following Contract Year, we will continue paying the Annual Benefit Payment to you each year until your Remaining Guaranteed Withdrawal Amount is depleted. This guarantees that |
you will receive your Purchase Payments even if your Account Value declines to zero due to market performance, so long as you do not take Excess Withdrawals; however, you will not be guaranteed income for the rest of your life. | |
• | If you take your first withdrawal on or after the date you reach age 59 1⁄2, we will continue to pay the Annual Benefit Payment each year for the rest of your life (and the life of your spouse, if the Joint Life version of the rider was elected, and your spouse elects to continue the contract and is at least age 59 1⁄2 at continuation), even if your Remaining Guaranteed Withdrawal Amount and/or Account Value declines to zero. This means if your Remaining Guaranteed Withdrawal Amount and/or your Account Value is depleted due to a Non-Excess Withdrawal or the deduction of the rider charge, we will pay to you the remaining Annual Benefit Payment, if any, not yet withdrawn during that Contract Year that the Account Value was depleted, and beginning in the following Contract Year, we will continue paying the Annual Benefit Payment to you each year for the rest of your life (and your spouse’s life, if the Joint Life version of the rider was elected, and your spouse elects to continue the contract and is at least age 59 1⁄2 at continuation). Therefore, you will be guaranteed income for life. |
• | If you take your first withdrawal during a Contract Year in which the Owner (or older Joint Owner, or Annuitant if the Owner is a non-natural person) attains or will attain age 76 or older, your Annual Benefit payment will be set equal to a 6% Withdrawal Rate multiplied by the Total Guaranteed Withdrawal Amount. |
• | If you have elected the LWG II, you should carefully consider when to begin taking withdrawals. If you begin taking withdrawals too soon, you may limit the value of the LWG II. For example, if you delay taking withdrawals for too long, you may limit the number of years available for you to take withdrawals in the future (due to life expectancy) and you may be paying for a benefit you are not using. |
• | You have the option of receiving withdrawals under the LWG II rider or receiving payments under an annuity income option. You should consult with your financial representative when deciding how to receive income under this contract. In making this decision, you should consider many factors, including the relative amount of current income provided by the two options, the |
potential ability to receive higher future payments through potential increases to the value of the LWG II (as described below), your potential need to make additional withdrawals in the future, and the relative values to you of the death benefits available prior to and after annuitization. (See “Lifetime Withdrawal Guarantee and Annuitization” below.) |
• | Your initial Purchase Payment, increased by the 5% GWB Bonus Amount; |
• | Increased by each subsequent Purchase Payment, and by the 5% GWB Bonus Amount; |
• | Reduced dollar for dollar by Benefits Paid, which are withdrawals and amounts applied to an Annuity Option (currently, you may not apply amounts less than your entire Account Value to an Annuity Option); and |
• | If a Benefit Paid from your contract is not payable to the contract Owner or the contract Owner’s bank account (or to the Annuitant or the Annuitant’s bank account, if the Owner is a non-natural person), or results in cumulative Benefits Paid for the current Contract Year exceeding the Annual Benefit Payment, and the resulting Benefit Base exceeds the Account Value, an additional reduction in the Benefit Base will be made. This additional reduction will be equal to the difference between the Benefit Base and your Account Value after the decrease for the Benefits Paid. The |
Benefit Base will also be reset as a result of an Optional Reset as described below. |
• | Reset your Guaranteed Withdrawal Amount and Benefit Base equal to the Account Value on the date of the reset; |
• | Reset your Annual Benefit Payment equal to the Account Value on the date of the reset multiplied by the GWB Withdrawal Rate (7%); and |
• | Reset the Enhanced GWB rider charge equal to the then current level we charge for the same rider at the time of the reset, up to the maximum charge of 1.00%. |
• | Subsection (2) is changed to provide: “The Account Value as of the effective date of the change of Owner, increased by Purchase Payments received after the date of change of Owner, and reduced proportionately by the percentage reduction in Account Value (including any applicable withdrawal charge) attributable to each partial withdrawal made after such date.” |
• | For subsection (3), the highest anniversary value will be recalculated to equal your Account Value as of the effective date of the change of Owner. Thereafter, the highest anniversary value (as recalculated) will be increased by subsequent Purchase Payments and reduced proportionately by the percentage reduction in Account Value attributable to each subsequent partial withdrawal (including any applicable withdrawal charge). On each contract anniversary prior to the Owner's 81st birthday, the highest anniversary value will be recalculated and set equal to the greater of the |
highest anniversary value before the recalculation or the Account Value on the date of the recalculation. |
(i) | is Purchase Payments accumulated at the annual increase rate from the date the Purchase Payment is made. The annual increase rate is 5% per year through the contract anniversary immediately prior to your 91st birthday, and 0% per year thereafter; and |
(ii) | is withdrawal adjustments accumulated at the annual increase rate. The annual increase rate is 5% per year through the contract anniversary immediately prior to your 91st birthday, and 0% per year thereafter. The withdrawal adjustment for any partial withdrawal in a Contract Year is equal to the Annual Increase Amount immediately prior to the withdrawal multiplied by the percentage reduction in Account Value attributable to that partial withdrawal (including any applicable withdrawal charge). However, (1) if the partial withdrawal occurs before the contract anniversary immediately prior to your 91st birthday; (2) if all partial withdrawals in a Contract Year are payable to the Owner (or the Annuitant if the Owner is a non-natural person) or other payees that we agree to; and (3) if total partial withdrawals in a Contract Year are not greater than 5% of the Annual Increase Amount on the previous contract anniversary, the total withdrawal adjustments for that Contract Year will be set equal to the dollar amount of total partial withdrawals in that Contract Year and will be treated as a single withdrawal at the end of that Contract Year. |
(i) | is Purchase Payments accumulated at the annual increase rate. The annual increase rate is 5% per year through the contract anniversary immediately prior to your 81st birthday, and 0% per year thereafter; and |
(ii) | is withdrawal adjustments accumulated at the annual increase rate. A withdrawal adjustment is equal to the value of the annual increase amount immediately prior to a withdrawal multiplied by the percentage reduction in Account Value attributable to that partial withdrawal (including any applicable withdrawal charge). |
(a) | is the death benefit under your contract; and |
(b) | is total Purchase Payments not withdrawn. For purposes of calculating this value, partial withdrawals are first applied against earnings in the contract, and then against Purchase Payments not withdrawn. |
(a) | is the death benefit on the contract anniversary immediately prior to your 81st birthday, increased by subsequent Purchase Payments and reduced proportionately by the percentage reduction in Account Value attributable to each subsequent partial withdrawal (including any applicable withdrawal charge); and |
(b) | is total Purchase Payments not withdrawn. For purposes of calculating this value, partial withdrawals are first applied against earnings in the contract,and then against Purchase Payments not withdrawn. |
Issue Age | Benefit
Percentage |
Ages 69 or younger | 40% |
Ages 70-79 | 25% |
• | The imposition of a 10% federal income tax penalty on the taxable amount of the commuted value, if the taxpayer has not attained age 59 1⁄2 at the time the withdrawal is made. This 10% federal income tax penalty is in addition to the ordinary income tax on the taxable amount of the commuted value. |
• | The retroactive imposition of the 10% federal income tax penalty on income payments received prior to the taxpayer attaining age 59 1⁄2. |
• | The possibility that the exercise of the commutation feature could adversely affect the amount excluded from federal income tax under any income payments made after such commutation. |
(a) | related to Purchase Payments made prior to 1989 and pre-1989 earnings on those Purchase Payments; |
(b) | is exchanged to another permissible investment under your 403(b) plan; |
(c) | relates to contributions to an annuity contract that are not salary reduction elective deferrals, if your plan allows it; |
(d) | occurs after you die, leave your job or become disabled (as defined by the Code); |
(e) | is for financial hardship (but only to the extent of elective deferrals), if your plan allows it; |
(f) | relates to distributions attributable to certain TSA plan terminations, if the conditions of the Code are met; |
(g) | relates to rollover or after-tax contributions; or |
(h) | is for the purchase of permissive service credit under a governmental defined benefit plan. |
• | Through your financial representative |
• | By telephone at (888) 243-1932, between the hours of 7:30AM and 5:30PM Central Time Monday through Friday |
• | In writing to our Annuity Service Center |
• | By fax at Brighthouse Policy Holder Services, (877) 246-8424 or |
• | By Internet at www.brighthousefinancial.com |
• | change the Beneficiary. |
• | change the Annuitant before the Annuity Date (subject to our underwriting and administrative rules). |
• | assign the contract (subject to limitation). |
• | change the payment option. |
• | exercise all other rights, benefits, options and privileges allowed by the contract or us. |
Investment Objectives | Portfolio
Company and Adviser/Sub-Adviser |
Current Expenses | Average
Annual Total Returns (as of 12/31/2021) | ||
1
Year |
5
Year |
10
Year | |||
Seeks capital appreciation and current income. | AB
Global Dynamic Allocation Portfolio — Class B#* Brighthouse Investment Advisers, LLC Subadviser: AllianceBernstein L.P. |
0.88% | 9.28% | 7.67% | 7.07% |
Seeks long-term capital appreciation. | Allspring
Mid Cap Value Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Allspring Global Investments, LLC |
0.96% | 28.95% | 11.51% | 12.15% |
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 |
0.97% | 12.14% | 11.61% | 10.22% |
Seeks growth of capital. | American
Funds® Growth Allocation Portfolio — Class C‡ Brighthouse Investment Advisers, LLC |
1.01% | 15.91% | 13.89% | 12.35% |
Seeks to achieve growth of capital. | American
Funds® Growth Portfolio — Class C Brighthouse Investment Advisers, LLC; Capital Research and Management CompanySM |
0.90% | 21.62% | 25.06% | 19.34% |
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 |
0.94% | 9.64% | 9.44% | 8.33% |
Seeks capital appreciation and current income. | BlackRock
Global Tactical Strategies Portfolio — Class B#* Brighthouse Investment Advisers, LLC Subadviser: BlackRock Financial Management, Inc. |
0.93% | 9.79% | 7.76% | 6.81% |
Investment Objectives | Portfolio
Company and Adviser/Sub-Adviser |
Current Expenses | Average
Annual Total Returns (as of 12/31/2021) | ||
1
Year |
5
Year |
10
Year | |||
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. |
0.89% | 5.18% | 6.33% | 6.94% |
Seeks growth of capital. | Brighthouse
Asset Allocation 100 Portfolio — Class B‡ Brighthouse Investment Advisers, LLC |
0.97% | 18.13% | 14.64% | 12.88% |
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 |
0.89% | 7.54% | 10.39% | 9.22% |
Seeks long-term capital appreciation. | Brighthouse
Small Cap Value Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Delaware Investments Fund Advisers, a series of Macquarie Investment Management Business Trust, and Allspring Global Investments, LLC |
1.06% | 31.77% | 9.82% | 12.17% |
Seeks capital appreciation. | Brighthouse/abrdn
Emerging Markets Equity Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Aberdeen Asset Managers Limited |
1.15% | -5.07% | 9.95% | 5.01% |
Seeks a high level of current income. | Brighthouse/Eaton
Vance Floating Rate Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Eaton Vance Management |
0.93% | 3.50% | 3.29% | 3.64% |
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. |
0.72% | 0.28% | 1.75% | 1.78% |
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% | -5.01% | -1.77% | 0.32% |
Investment Objectives | Portfolio
Company and Adviser/Sub-Adviser |
Current Expenses | Average
Annual Total Returns (as of 12/31/2021) | ||
1
Year |
5
Year |
10
Year | |||
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 |
0.87% | 34.42% | 10.02% | 9.01% |
Seeks long-term capital appreciation. | Harris
Oakmark International Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Harris Associates L.P. |
1.01% | 8.44% | 7.08% | 8.73% |
Seeks total return. | Invesco
Balanced-Risk Allocation Portfolio — Class B#* Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc. |
0.92% | 9.69% | 7.47% | — |
Seeks capital growth and income. | Invesco
Comstock Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc. |
0.82% | 33.18% | 11.41% | 12.74% |
Seeks long-term growth of capital. | Invesco
Small Cap Growth Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc. |
1.05% | 6.93% | 18.91% | 16.63% |
Seeks to maximize total return. | JPMorgan
Core Bond Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: J.P. Morgan Investment Management Inc. |
0.69% | -1.46% | 3.52% | 2.70% |
Seeks capital appreciation and current income. | JPMorgan
Global Active Allocation Portfolio — Class B#* Brighthouse Investment Advisers, LLC Subadviser: J.P. Morgan Investment Management Inc. |
0.97% | 9.64% | 9.27% | — |
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. |
1.02% | 14.26% | 14.24% | 11.33% |
Seeks long-term growth of capital. | Loomis
Sayles Growth Portfolio — Class B Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company, L.P. |
0.81% | 18.27% | 16.29% | 15.70% |
Investment Objectives | Portfolio
Company and Adviser/Sub-Adviser |
Current Expenses | Average
Annual Total Returns (as of 12/31/2021) | ||
1
Year |
5
Year |
10
Year | |||
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 Advisors, LLC |
0.64% | 9.72% | 8.82% | — |
Seeks capital appreciation. | MFS
® Research International Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
0.89% | 11.71% | 12.29% | 8.45% |
Seeks total return. | PanAgora
Global Diversified Risk Portfolio — Class B#* Brighthouse Investment Advisers, LLC Subadviser: PanAgora Asset Management, Inc. |
1.09% | 6.39% | 8.60% | — |
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 |
0.78% | 5.42% | 5.15% | 2.91% |
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 |
0.72% | -1.39% | 3.89% | 3.32% |
Seeks capital appreciation and current income. | Schroders
Global Multi-Asset Portfolio — Class B#* Brighthouse Investment Advisers, LLC Subadvisers: Schroder Investment Management North America Inc.; Schroder Investment Management North America Limited |
0.92% | 11.42% | 7.43% | — |
Seeks growth of capital and income. | SSGA
Growth and Income ETF Portfolio — Class B‡ Brighthouse Investment Advisers, LLC Subadviser: SSGA Funds Management, Inc. |
0.76% | 13.38% | 10.04% | 8.47% |
Seeks growth of capital. | SSGA
Growth ETF Portfolio — Class B‡ Brighthouse Investment Advisers, LLC Subadviser: SSGA Funds Management, Inc. |
0.79% | 17.60% | 11.73% | 10.03% |
Investment Objectives | Portfolio
Company and Adviser/Sub-Adviser |
Current Expenses | Average
Annual Total Returns (as of 12/31/2021) | ||
1
Year |
5
Year |
10
Year | |||
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% | 25.98% | 11.74% | 13.28% |
Seeks long-term growth of capital. | T.
Rowe Price Mid Cap Growth Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. |
0.95% | 14.98% | 17.90% | 16.28% |
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. |
0.84% | 31.80% | 12.47% | 11.98% |
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 |
0.69% | -1.97% | 3.07% | 2.29% |
Seeks long-term growth of capital. | Baillie
Gifford International Stock Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Baillie Gifford Overseas Limited |
0.96% | -0.99% | 13.08% | 9.70% |
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 |
0.61% | -0.45% | 0.76% | 0.39% |
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 |
0.85% | 3.69% | 5.73% | 5.03% |
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 |
0.85% | 7.42% | 7.84% | 7.10% |
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 |
0.88% | 10.90% | 10.18% | 9.20% |
Seeks growth of capital. | Brighthouse
Asset Allocation 80 Portfolio — Class B‡ Brighthouse Investment Advisers, LLC |
0.92% | 14.71% | 12.62% | 11.26% |
Investment Objectives | Portfolio
Company and Adviser/Sub-Adviser |
Current Expenses | Average
Annual Total Returns (as of 12/31/2021) | ||
1
Year |
5
Year |
10
Year | |||
Seeks long-term capital growth. | Brighthouse/Artisan
Mid Cap Value Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Artisan Partners Limited Partnership |
1.00% | 26.59% | 10.04% | 10.72% |
Seeks long-term capital appreciation. | Brighthouse/Dimensional
International Small Company Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Dimensional Fund Advisors LP |
1.02% | 13.85% | 9.57% | 9.51% |
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 |
0.85% | 24.11% | 16.33% | 14.46% |
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 E†† Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.75% | 24.23% | 16.44% | 14.58% |
Seeks maximum capital appreciation. | Frontier
Mid Cap Growth Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Frontier Capital Management Company, LLC |
0.95% | 14.38% | 18.60% | 15.20% |
Seeks long-term growth of capital. | Jennison
Growth Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Jennison Associates LLC |
0.78% | 16.91% | 27.14% | 20.21% |
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, LCC |
0.57% | -2.26% | 3.00% | 2.33% |
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, LCC |
0.59% | 24.01% | 12.47% | 13.59% |
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, LCC |
0.68% | 10.35% | 9.06% | 7.51% |
Investment Objectives | Portfolio
Company and Adviser/Sub-Adviser |
Current Expenses | Average
Annual Total Returns (as of 12/31/2021) | ||
1
Year |
5
Year |
10
Year | |||
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, LCC |
0.60% | 14.19% | 11.59% | 12.85% |
Seeks to track the performance of the Standard & Poor’s 500® Composite Stock Price Index. | MetLife
Stock Index Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LCC |
0.51% | 28.04% | 17.89% | 15.97% |
Seeks capital appreciation. | MFS
® Value Portfolio — Class B# Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
0.82% | 25.30% | 12.22% | 13.42% |
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 |
1.03% | 18.12% | 15.42% | 13.92% |
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. |
0.82% | 19.95% | 23.08% | 18.97% |
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 |
0.99% | 18.51% | 2.64% | 0.16% |
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 |
0.79% | 2.61% | 5.30% | 4.96% |
Seeks to maximize total return consistent with preservation of capital. | Western
Asset Management Strategic Bond Opportunities Portfolio — Class E†† Brighthouse Investment Advisers, LLC Subadviser: Western Asset Management Company LLC |
0.69% | 2.68% | 5.39% | 5.06% |
Investment Objectives | Portfolio
Company and Adviser/Sub-Adviser |
Current Expenses | Average
Annual Total Returns (as of 12/31/2021) | ||
1
Year |
5
Year |
10
Year | |||
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 |
0.73% | -1.77% | 2.22% | 1.71% |
# | Certain 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 managed in a way that is intended to minimize volatility of returns (referred to as a “managed volatility strategy”). See “Principal Risks of Investing in the Contract.” |
‡ | 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. |
†† | Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing. |
Optional Benefit |
GMIB Plus II* |
GMIB Plus I* |
Lifetime
Withdrawal Guarantee II* (LWG II) |
Life
Withdrawal Guarantee I (LWG I) |
Guaranteed
Minimum Accumulation Benefit* (GMAB) |
Enhanced Death Benefit I*(EDB I) |
AB Global Dynamic Allocation Portfolio |
American Funds® Balanced Allocation Portfolio |
American Funds® Growth Allocation Portfolio1 |
American Funds® Moderate Allocation Portfolio |
BlackRock Global Tactical Strategies Portfolio |
BlackRock Ultra-Short Term Bond Portfolio |
Brighthouse Asset Allocation 20 Portfolio |
Brighthouse Asset Allocation 40 Portfolio |
Brighthouse Asset Allocation 60 Portfolio |
Brighthouse Asset Allocation 80 Portfolio1 |
Brighthouse Balanced Plus Portfolio |
Invesco Balanced-Risk Allocation Portfolio |
JPMorgan Global Active Allocation Portfolio |
MetLife Multi-Index Targeted Risk Portfolio |
PanAgora Global Diversified Risk Portfolio |
Schroders Global Multi-Asset Portfolio |
SSGA Growth and Income ETF Portfolio |
SSGA Growth ETF Portfolio1 |
Platform 1 | Platform 2 |
A minimum of 30% of Purchase Payments or Account Value | A maximum of 70% of Purchase Payments or Account Value |
BlackRock Ultra-Short Term Bond Portfolio | AB Global Dynamic Allocation Portfolio |
Brighthouse/Franklin Low Duration Total Return Portfolio | American Funds® Balanced Allocation Portfolio |
JPMorgan Core Bond Portfolio | American Funds® Growth Allocation Portfolio |
MetLife Aggregate Bond Index Portfolio | American Funds® Growth Portfolio |
PIMCO Inflation Protected Bond Portfolio | American Funds® Moderate Allocation Portfolio |
PIMCO Total Return Portfolio | Baillie Gifford International Stock Portfolio |
Western Asset Management Government Income Portfolio | BlackRock Global Tactical Strategies Portfolio |
Western Asset Management U.S. Government Portfolio | BlackRock High Yield Portfolio |
Brighthouse Asset Allocation 100 Portfolio | |
Brighthouse Asset Allocation 20 Portfolio | |
Brighthouse Asset Allocation 40 Portfolio | |
Brighthouse Asset Allocation 60 Portfolio | |
Brighthouse Asset Allocation 80 Portfolio | |
Brighthouse Balanced Plus Portfolio | |
Brighthouse/Wellington Core Equity Opportunities Portfolio | |
Harris Oakmark International Portfolio | |
Invesco Balanced-Risk Allocation Portfolio | |
Invesco Comstock Portfolio | |
Jennison Growth Portfolio | |
JPMorgan Global Active Allocation Portfolio | |
Loomis Sayles Global Allocation Portfolio | |
Loomis Sayles Growth Portfolio | |
MetLife MSCI EAFE® Index Portfolio | |
MetLife Multi-Index Targeted Risk Portfolio | |
MetLife Stock Index Portfolio | |
MFS ® Research International Portfolio | |
MFS ® Value Portfolio | |
PanAgora Global Diversified Risk Portfolio | |
Schroders Global Multi-Asset Portfolio | |
SSGA Growth and Income ETF Portfolio | |
SSGA Growth ETF Portfolio | |
T. Rowe Price Large Cap Growth Portfolio | |
T. Rowe Price Large Cap Value Portfolio | |
Western Asset Management Strategic Bond Opportunities Portfolio |
Platform 3 | Platform 4 |
A maximum of 15% of Purchase Payments or Account Value | A maximum of 15% of Purchase Payments or Account Value |
Allspring Mid Cap Value Portfolio | Brighthouse Small Cap Value Portfolio |
Brighthouse/Artisan Mid Cap Value Portfolio | Brighthouse/abrdn Emerging Markets Equity Portfolio |
Frontier Mid Cap Growth Portfolio | Brighthouse/Dimensional International Small Company Portfolio |
MetLife Mid Cap Stock Index Portfolio | Brighthouse/Eaton Vance Floating Rate Portfolio |
T. Rowe Price Mid Cap Growth Portfolio | Brighthouse/Templeton International Bond Portfolio |
Victory Sycamore Mid Cap Value Portfolio | CBRE Global Real Estate Portfolio |
Invesco Small Cap Growth Portfolio | |
MetLife Russell 2000® Index Portfolio | |
Neuberger Berman Genesis Portfolio | |
VanEck Global Natural Resources Portfolio |
AB Global Dynamic Allocation Portfolio |
American Funds® Balanced Allocation Portfolio |
American Funds® Growth Allocation Portfolio |
American Funds® Moderate Allocation Portfolio |
BlackRock Global Tactical Strategies Portfolio |
BlackRock Ultra-Short Term Bond Portfolio |
Brighthouse Asset Allocation 20 Portfolio |
Brighthouse Asset Allocation 40 Portfolio |
Brighthouse Asset Allocation 60 Portfolio |
Brighthouse Asset Allocation 80 Portfolio |
Brighthouse Balanced Plus Portfolio |
Invesco Balanced-Risk Allocation Portfolio |
JPMorgan Global Active Allocation Portfolio |
MetLife Aggregate Bond Index Portfolio |
MetLife Multi-Index Targeted Risk Portfolio |
PanAgora Global Diversified Risk Portfolio |
Schroders Global Multi-Asset Portfolio |
SSGA Growth and Income ETF Portfolio |
SSGA Growth ETF Portfolio |
Western Asset Management Government Income Portfolio |
Brighthouse Asset Allocation 40 Portfolio |
Brighthouse Asset Allocation 60 Portfolio |
Account Values | ||||||||||
Beg
of Month |
Amount
Allocated to EDCA |
Actual
EDCA Transfer |
EDCA
Account Value |
1st
Payment Bucket |
2nd
Payment Bucket | |||||
1 | $12,480 | $2,000 | $10,480 | $10,480 | ||||||
2 | $2,000 | $ 8,506 | $ 8,506 |
Account Values | ||||||||||
Beg
of Month |
Amount
Allocated to EDCA |
Actual
EDCA Transfer |
EDCA
Account Value |
1st
Payment Bucket |
2nd
Payment Bucket | |||||
3 | $2,000 | $6,527 | $6,527 | |||||||
4* | $6,240 | $3,000 | $9,783 | $3,543 | $6,240 | |||||
5 | $3,000 | $6,807 | $ 552 | $6,255 | ||||||
6 | $3,000 | $3,824 | 0 | $3,824 | ||||||
7 | $3,000 | $ 833 | 0 | $ 833 | ||||||
8 | $ 835 | 0 | 0 | 0 |
Account Values | ||||||||||
Beg
of Month |
Amount
Allocated to EDCA |
Actual
EDCA Transfer |
EDCA
Account Value |
1st
Payment Bucket |
2nd
Payment Bucket | |||||
1 | $24,960 | $2,000 | $22,960 | $22,960 | ||||||
2 | $2,000 | $21,017 | $21,017 | |||||||
3 | $2,000 | $19,068 | $19,068 | |||||||
4 | $2,000 | $17,115 | $17,115 | |||||||
5 | $2,000 | $15,158 | $15,158 |
Account Values | ||||||||||
Beg
of Month |
Amount
Allocated to EDCA |
Actual
EDCA Transfer |
EDCA
Account Value |
1st
Payment Bucket |
2nd
Payment Bucket | |||||
6* | $12,480 | $3,000 | $24,675 | $12,195 | $12,480 | |||||
7 | $3,000 | $21,736 | $ 9,225 | $12,511 | ||||||
8 | $3,000 | $18,790 | $ 6,248 | $12,542 | ||||||
9 | $3,000 | $15,836 | $ 3,263 | $12,573 | ||||||
10 | $3,000 | $12,875 | $ 271 | $12,604 | ||||||
11 | $3,000 | $ 9,907 | 0 | $ 9,907 | ||||||
12 | $3,000 | $ 6,931 | 0 | $ 6,931 | ||||||
13 | $3,000 | $ 3,948 | 0 | $ 3,948 | ||||||
14 | $3,000 | $ 958 | 0 | $ 958 | ||||||
15 | $ 960 | 0 | 0 | 0 |
(In contrast to the GMIB Plus II rider, for the GMIB II rider, Purchase Payments accumulate at the annual increase rate of 5% until the contract anniversary on or immediately after the contract Owner's 85th birthday.) |
Graphic Example: Determining your guaranteed lifetime income stream |
(5) | The Guaranteed Principal Option — GMIB Plus II |
Date | Amount | |||||
A | Initial Purchase Payment | 9/1/2022 | $100,000 | |||
B | Account Value | 9/1/2023
(First Contract Anniversary) |
$104,000 | |||
C | Death Benefit | As of 9/1/2023 | $104,000
(= greater of A and B) |
|||
D | Account Value | 9/1/2024
(Second Contract Anniversary) |
$90,000 | |||
E | Death Benefit | 9/1/2024 | $100,000
(= greater of A and D) |
|||
F | Withdrawal | 9/2/2024 | $9,000 | |||
G | Percentage Reduction in Account Value | 9/2/2024 | 10%
(= F/D) |
|||
H | Account Value after Withdrawal | 9/2/2024 | $81,000
(= D-F) |
|||
I | Purchase Payments Reduced for Withdrawal | As of 9/2/2024 | $90,000
(= A-(A × G)) |
|||
J | Death Benefit | 9/2/2024 | $90,000
(= greater of H and I) |
Date | Amount | |||||
A | Initial Purchase Payment | 9/1/2022 | $100,000 | |||
B | Account Value | 9/1/2023
(First Contract Anniversary) |
$104,000 | |||
C | Death Benefit (Highest Anniversary Value) | As of 9/1/2023 | $104,000
(= greater of A and B) |
|||
D | Account Value | 9/1/2024
(Second Contract Anniversary) |
$90,000 | |||
E | Death Benefit (Highest Contract Year Anniversary) | 9/1/2024 | $104,000
(= greater of B and D) |
|||
F | Withdrawal | 9/2/2024 | $9,000 | |||
G | Percentage Reduction in Account Value | 9/2/2024 | 10%
(= F/D) |
|||
H | Account Value after Withdrawal | 9/2/2024 | $81,000
(= D-F) |
|||
I | Highest Anniversary Value Reduced for Withdrawal | As of 9/2/2024 | $93,600
(= E-(E × G)) |
|||
J | Death Benefit | 9/2/2024 | $93,600
(= greater of H and I) |
Date | Amount | |||||
A | Initial Purchase Payment | 9/1/2022 | $100,000 | |||
B | Account Value | 9/1/2023 (First Contract Anniversary) | $104,000 | |||
C1 | Account Value (Highest Anniversary Value) | 9/1/2023 | $104,000
(= greater of A and B) |
|||
C2 | 5% Annual Increase Amount | 9/1/2023 | $105,000
(= A × 1.05) |
|||
C3 | Death Benefit | As of 9/1/2023 | $105,000
(= greater of C1 and C2) |
|||
D | Account Value | 9/1/2024 (Second Contract Anniversary) | $90,000 | |||
E1 | Highest Anniversary Value | 9/1/2024 | $104,000
(= greater of C1 and D) |
|||
E2 | 5% Annual Increase Amount | As of 9/1/2024 | $110,250
(= A × 1.05 × 1.05) |
|||
E3 | Death Benefit | 9/1/2024 | $110,250
(= greater of E1 and E2) |
|||
F | Withdrawal | 9/2/2024 | $9,000 | |||
G | Percentage Reduction in Account Value | 9/2/2024 | 10%
(= F/D) |
|||
H | Account Value after Withdrawal | 9/2/2024 | $81,000
(= D-F) |
|||
I1 | Highest Anniversary Value Reduced for Withdrawal | As of 9/2/2024 | $93,600
(= E1-(E1 × G)) |
|||
I2 | 5% Annual Increase Amount Reduced for Withdrawal | As of 9/2/2024 | $99,238
(= E2-(E2 × G). Note: E2 includes additional day of interest at 5%) |
|||
I3 | Death Benefit | 9/2/2024 | $99,238
(= greatest of H, I1 and I2) |
Issue Age | Benefit Percentage |
Ages 69 or younger | 40% |
Ages 70-79 | 25% |
Step 1: | Calculate your death benefit under the Contract2 |
Step 2: | EPB earnings = death benefit – total Purchase Payments not withdrawn3 |
Step 3: | Additional Death Benefit = benefit percentage x EPB earnings |
Step 4: | Total death benefit with EPB = death benefit + Additional Death Benefit |
• | MetLife Insurance Company of Connecticut: MetLife Insurance Company of Connecticut (MICC), originally chartered in Connecticut in 1863, was known as Travelers Insurance Company prior to May 1, 2006. |
MICC changed its name to MetLife Insurance Company USA and its state of domicile to Delaware after November 14, 2014 as described under “MetLife Insurance Company USA” above. |
• | MetLife Life and Annuity Company of Connecticut: MetLife Life and Annuity Company of Connecticut (MLAC), originally chartered in Connecticut in 1973, was known as Travelers Life and Annuity Company prior to May 1, 2006. On or about December 7, 2007, MLAC merged with and into MICC. |
• | MetLife Investors USA Insurance Company: MetLife Investors USA Insurance Company (MLI USA), originally chartered in Delaware in 1960, was known as Security First Life Insurance Company prior to January 8, 2001. MLI USA was merged into BLIC after the close of business on November 14, 2014, as described under “MetLife Insurance Company USA” above. |
• | MetLife Investors Insurance Company: MetLife Investors Insurance Company (MLI), originally chartered in Missouri in 1981, was known as Cova Financial Services Life Insurance Company prior to February 12, 2001. MLI was merged into BLIC after the close of business on November 14, 2014, as described under “MetLife Insurance Company USA” above. |
• | MetLife Investors Insurance Company of California: MetLife Investors Insurance Company of California (MLI-CA), originally chartered in California in 1972, was known as Cova Financial Life Insurance Company prior to February 12, 2001. On November 9, 2006 MLI-CA merged with and into MLI. |
Fiscal year | Aggregate
Amount of Commissions Paid to Distributor |
Aggregate
Amount of Commissions Retained by Distributor After Payments to Selling Firms | ||
2021 |
$795,080,241 | $0 | ||
2020 |
$651,736,999 | $0 | ||
2019 |
$649,095,230 | $0 |
1. | the dollar amount of the first variable Annuity Payment is divided by the value of an Annuity Unit for each applicable Investment Portfolio as of the annuity calculation date. This establishes the number of Annuity Units for each monthly payment. The number of Annuity Units for each applicable Investment Portfolio remains fixed during the annuity period, unless you transfer values from the Investment Portfolio to another Investment Portfolio; |
2. | the fixed number of Annuity Units per payment in each Investment Portfolio is multiplied by the Annuity Unit value for that Investment Portfolio for the Business Day for which the Annuity Payment is being calculated. This result is the dollar amount of the payment for each applicable Investment Portfolio, less any account fee. The account fee will be deducted pro rata out of each Annuity Payment. |
A is (i) | the net asset value per share of the portfolio at the end of the current Business Day; plus |
(ii) | any dividend or capital gains per share declared on behalf of such portfolio that has an ex-dividend date as of the current Business Day. |
B is | the net asset value per share of the portfolio for the immediately preceding Business Day. |
C is (i) | the Separate Account product charges and for each day since the last Business Day. The daily charge is equal to the annual Separate Account product charges divided by 365; plus |
(ii) | a charge factor, if any, for any taxes or any tax reserve we have established as a result of the operation of the Separate Account. |
• | You may not make a transfer from the fixed Annuity Option to the variable Annuity Option; |
• | Transfers among the subaccounts will be made by converting the number of Annuity Units being transferred to the number of Annuity Units of the subaccount to which the transfer is made, so that the next Annuity Payment if it were made at that time would be the same amount that it would have been without the transfer. Thereafter, Annuity Payments will reflect changes in the value of the new Annuity Units; and |
• | You may make a transfer from the variable Annuity Option to the fixed Annuity Option. The amount transferred from a subaccount of the Separate Account will be equal to the product of “(a)” multiplied by “(b)” multiplied by “(c)”, where (a) is the number of Annuity Units representing your interest in the subaccount per Annuity Payment; (b) is the Annuity Unit value for the subaccount; and (c) is the present value of $1.00 per payment period for the remaining annuity benefit period based on the attained age of the Annuitant at the time of transfer, calculated using the same actuarial basis as the variable annuity rates |
applied on the Annuity Date for the Annuity Option elected. Amounts transferred to the fixed Annuity Option will be applied under the Annuity Option elected at the attained age of the Annuitant at the time of the transfer using the fixed Annuity Option table. If at the time of transfer, the then current fixed Annuity Option rates applicable to this class of contracts provide a greater payment, the greater payment will be made. All amounts and Annuity Unit values will be determined as of the end of the Business Day on which the Company receives a notice. |
(1) | IRA: elective contribution to all traditional and Roth IRAs: $6,000; catch-up contribution: $1,000 |
(2) | SIMPLE IRA: elective contribution: $14,000; catch-up contribution: $3,000 |
(3) | 401(k) : elective contribution: $20,500; catch-up contribution: $6,500 |
(4) | SEP/401(a): (employer contributions only) |
(5) | 403(b) (TSA): elective contribution: $20,500; catch-up contribution: $6,500 |
(6) | 457(b) : elective contribution: $20,500; catch-up contribution: $6,500 |
(a) | choose income payments other than on a qualified joint and survivor annuity basis (“QJSA”) (one under which we make payments to you during your lifetime and then make payments reduced by no more than 50% to your spouse for his or her remaining life, if any): or choose to waive the qualified pre-retirement survivor annuity benefit (“QPSA”) (the benefit payable to the |
surviving spouse of a participant who dies with a vested interest in an accrued retirement benefit under the plan before payment of the benefit has begun); | |
(b) | make certain withdrawals under plans for which a qualified consent is required; |
(c) | name someone other than the spouse as your Beneficiary; or |
(d) | use your accrued benefit as security for a loan, if available, exceeding $5,000. |
Item 27. | Exhibits |
(b) | Not Applicable. |
(i) | Not Applicable. |
(j) | Not Applicable. |
(l) | Consent of Independent Registered Public Accounting Firm (Deloitte & Touche LLP). (Filed herewith.) |
(m) | Not Applicable. |
(n) | Not Applicable. |
(o) | Not Applicable. |
ITEM 28. | DIRECTORS AND OFFICERS OF THE DEPOSITOR |
Name and Principal Business Address | Positions and Offices with Depositor | |
Eric
Steigerwalt 11225 North Community House Road Charlotte, NC 28277 |
Chairman of the Board, President, Chief Executive Officer and a Director |
Jonathan
Rosenthal 334 Madison Avenue Morristown, NJ 07960 |
Director, Vice President and Chief Investment Officer |
Edward
A. Spehar 11225 North Community House Road Charlotte, NC 28277 |
Director, Vice President and Chief Financial Officer |
Devon
Arendosh 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Chief Information Security Officer |
David
Chamberlin 12802 Tampa Oaks Boulevard, Suite 447 Temple Terrace, FL 33637 |
Vice President |
Christine
DeBiase 11225 North Community House Road Charlotte, NC 28277 |
Vice President, General Counsel and Assistant Secretary |
Andrew
DeRosa 334 Madison Avenue, Floor 3 Morristown, NJ 07960 |
Vice President |
David
Dooley 334 Madison Avenue, Floor 3 Morristown, NJ 07960 |
Vice President |
Gianna
H. Figaro-Sterling 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Controller |
Kevin
Finneran 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Illustration Officer |
Tyler
Gates 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Appointed Actuary |
James
Grady 334 Madison Avenue, Floor 3 Morristown, NJ 07960 |
Vice President |
Jeffrey
Halperin 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Chief Compliance Officer |
Christopher
Hartsfield 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Assistant Secretary |
James
Hoffman 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Illustration Actuary |
Jeffrey
Hughes 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Chief Technology Officer |
Roger
Kramer, Jr. 334 Madison Avenue, Floor 3 Morristown, NJ 07960 |
Vice President |
John
Lima 334 Madison Avenue, Floor 3 Morristown, NJ 07960 |
Chief Derivatives Officer |
Philip
Melville 334 Madison Avenue, Floor 3 Morristown, NJ 07960 |
Vice President and Chief Risk Officer |
Melissa
Pavlovich 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Tax Director |
Phillip
Pfotenhauer 12802 Tampa Oaks Boulevard, Suite 447 Temple Terrace, FL 33637 |
Vice President |
Marc
Pucci 334 Madison Avenue, Floor 3 Morristown, NJ 07960 |
Vice President |
Marcy
Thailer 11225 North Community House Road Charlotte, NC 28277 |
Vice President – Dividend Actuary |
Kristine
Toscano 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Chief Accounting Officer |
Item 29. | Persons Controlled by or Under Common Control with the Depositor or the Registrant |
A. | Brighthouse Holdings, LLC (DE) | |||
1. | New England Life Insurance Company (MA) | |||
2. | Brighthouse Life Insurance Company (DE) | |||
a. | Brighthouse Reinsurance Company of Delaware (DE) | |||
b. | Brighthouse Life Insurance Company of NY (NY) | |||
c. | Brighthouse Connecticut Properties Ventures, LLC (DE) | |||
d. | Brighthouse Renewables Holdings, LLC (DE) |
(i.) | Greater Sandhill I, LLC (DE) | |||
e. | Daniel/Brighthouse Midtown Atlanta Master Limited Liability Company (DE) | |||
(i.) | 1075 Peachtree LLC (DE) | |||
f. | Brighthouse Assignment Company (CT) | |||
g. | ML 1065 Hotel, LLC (DE) | |||
h. | TIC European Real Estate LP, LLC (DE) | |||
i. | Euro TL Investments LLC (DE) | |||
j. | TLA Holdings LLC (DE) | |||
(i.) | The Prospect Company, LLC (DE) | |||
k. | Euro TI Investments LLC (DE) | |||
l. | TLA Holdings II LLC (DE) | |||
3. | Brighthouse Securities, LLC (DE) | |||
4. | Brighthouse Services, LLC (DE) | |||
5. | Brighthouse Investment Advisers, LLC (DE) |
Item 30. | Indemnification |
Item 31. | Principal Underwriters |
(a) | Brighthouse Securities, LLC is the principal underwriter for the following investment companies (including the Registrant): |
(b) | Brighthouse Securities, LLC is the principal underwriter for the Contracts. The following persons are the officers and managers of Brighthouse Securities, LLC. The principal business address for Brighthouse Securities, LLC is 11225 North Community House Road, Charlotte, NC 28277. |
Name and Principal Business Address | Positions and Offices with Underwriter |
Myles
Lambert 11225 North Community House Road Charlotte, NC 28277 |
Manager, Chief Executive Officer and President |
Jeffrey
Halperin 11225 North Community House Road Charlotte, NC 28277 |
Vice President, Chief Compliance Officer and General Counsel |
Christopher
Hartsfield 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Assistant Secretary |
John
Lima 334 Madison Avenue, Floor 3 Morristown, NJ 07960 |
Vice President and Chief Derivatives Officer |
Melissa
Pavlovich 11225 North Community House Road Charlotte, NC 28277 |
Vice President and Tax Director |
(c) | Compensation to the Distributor. The following aggregate amount of commissions and other compensation was received by the Distributor, directly or indirectly, from the Registrant and the other separate accounts of the Depositor, which also issue variable annuity contracts, during their last fiscal year: |
(1)
Name of Principal Underwriter |
(2)
Net Underwriting Discounts And Commissions |
(3)
Compensation On Redemption |
(4)
Brokerage Commissions |
(5)
Other Compensation | ||||
Brighthouse Securities,
LLC |
$795,080,241 | $0 | $0 | $0 |
Item 32. | Location of Accounts and Records |
Item 33. | Management Services |
Item 34. | Fee Representation |
1. | Include appropriate disclosure regarding the redemption restrictions imposed by Section 403(b)(11) in each registration statement, including the prospectus, used in connection with the offer of the contract; |
2. | Include appropriate disclosure regarding the redemption restrictions imposed by Section 403(b)(11) in any sales literature used in connection with the offer of the contract; |
3. | Instruct sales representatives who solicit participants to purchase the contract specifically to bring the redemption restrictions imposed by Section 403(b)(11) to the attention of the potential participants; |
4. | Obtain from each plan participant who purchases a Section 403(b) annuity contract, prior to or at the time of such purchase, a signed statement acknowledging the participant's understanding of (1) the restrictions on redemption imposed by Section 403(b)(11), and (2) other investment alternatives available under the employer's Section 403(b) arrangement to which the participant may elect to transfer his contract value. |
BRIGHTHOUSE
SEPARATE ACCOUNT A (Registrant) | ||
By: | BRIGHTHOUSE LIFE INSURANCE COMPANY | |
By: | /s/ Donald A. Leintz | |
Donald
A. Leintz Vice President |
By: | BRIGHTHOUSE LIFE INSURANCE COMPANY | |
(Depositor) | ||
By: | /s/ Donald A. Leintz | |
Donald
A. Leintz Vice President |
/s/ Eric Steigerwalt* | Chairman of the Board, President, Chief Executive Officer and a Director |
Eric Steigerwalt | |
/s/ Myles Lambert* | Director and Vice President |
Myles Lambert | |
/s/ David A. Rosenbaum* | Director and Vice President |
David A. Rosenbaum | |
/s/ Jonathan Rosenthal* | Director, Vice President and Chief Investment Officer |
Jonathan Rosenthal | |
/s/ Edward A. Spehar* | Director, Vice President and Chief Financial Officer |
Edward A. Spehar | |
/s/ Kristine Toscano* | Vice President and Chief Accounting Officer |
Kristine Toscano | |
/s/ Gianna H. Figaro-Sterling* | Vice President and Controller |
Gianna H. Figaro-Sterling |
*By: | /s/ Michele H. Abate | |
Michele
H. Abate, Attorney-In-Fact April 1, 2022 |
* | Brighthouse Life Insurance Company. Executed by Michele H. Abate, Esquire on behalf of those indicated pursuant to powers of attorney filed herewith. |
(g)(iii) | Automatic Retrocession Agreement and Amendments between Brighthouse Life Insurance Company and Corporate Solutions Life Reinsurance Company |
(h)(iii)(b) | Amendment to Brighthouse Funds Trust I Participation Agreement |
(h)(iv)(b) | Amendment to Brighthouse Funds Trust II Participation Agreement |
(l) | Consent of Independent Registered Public Accounting Firm (Deloitte & Touche LLP) |
(p) | Powers of Attorney |
This ‘485BPOS’ Filing | Date | Other Filings | ||
---|---|---|---|---|
1/1/26 | ||||
Effective on: | 4/29/22 | 485BPOS | ||
Filed on: | 4/19/22 | 485BPOS, 497 | ||
4/1/22 | ||||
12/31/21 | 24F-2NT, N-30D, N-CEN, N-VPFS | |||
1/1/21 | ||||
12/31/20 | 24F-2NT, N-30D, N-CEN, N-VPFS | |||
1/1/20 | ||||
12/31/17 | 24F-2NT, N-30D, NSAR-U | |||
8/4/17 | ||||
3/6/17 | 485APOS, 497 | |||
11/14/14 | 485APOS, EFFECT, N-4 | |||
4/28/14 | 485BPOS | |||
12/31/12 | 24F-2NT, N-30D, NSAR-U | |||
8/17/12 | ||||
7/1/12 | ||||
10/7/11 | EFFECT | |||
7/13/09 | EFFECT | |||
5/4/09 | 497J | |||
5/1/09 | 485BPOS | |||
2/24/09 | ||||
2/23/09 | ||||
12/7/07 | ||||
9/24/07 | ||||
7/16/07 | 485BPOS | |||
7/13/07 | ||||
2/26/07 | ||||
2/23/07 | 497, NSAR-U | |||
11/13/06 | 485BPOS | |||
11/9/06 | ||||
5/1/06 | 485BPOS | |||
2/27/06 | ||||
5/2/05 | 497 | |||
5/1/05 | 485BPOS | |||
4/29/05 | ||||
5/1/03 | 485BPOS | |||
2/15/03 | ||||
9/4/01 | ||||
3/22/01 | ||||
2/12/01 | ||||
1/8/01 | ||||
12/31/99 | 24F-2NT, NSAR-U | |||
List all Filings |
As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 4/12/24 Brighthouse Separate Account A 485BPOS 4/29/24 3:3.8M Donnelley … Solutions/FA 4/17/23 Brighthouse Separate Account A 485BPOS 5/01/23 4:4M Donnelley … Solutions/FA 4/27/22 Brighthouse Separate Account A 497VPU 4/27/22 1:329K Donnelley … Solutions/FA |