Brighthouse Separate Account A, et al. – ‘N-4/A’ on 10/28/08 – ‘EX-99.4(XXX)’

On:  Tuesday, 10/28/08, at 12:25pm ET   ·   Private-to-Public:  Document/Exhibit ¶  –  Release Delayed   ·   Accession #:  1193125-8-217698   ·   File #s:  811-03365, 333-152385

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Pre-Effective Amendment to Registration Statement for a Separate Account (Unit Investment Trust)   —   Form N-4
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: N-4/A       Metlife Investors Usa - Series Xtra Pre-Effective    332   1.58M 
                Amendment No. 1                                                  
11: COVER     ¶ Comment-Response or Cover Letter to the SEC            2±     2K 
12: CORRESP   ¶ Comment-Response or Other Letter to the SEC            1      2K 
13: CORRESP   ¶ Comment-Response or Other Letter to the SEC            2±     2K 
 9: EX-99.10    Consent of Independent Registered Public               1      7K 
                Accounting Firm (Deloitte & Touche LLP)                          
10: EX-99.13    Powers of Attorney                                    10     63K 
 4: EX-99.4(XXIX)  Form of Contract Schedule [6%]                      4     21K 
 2: EX-99.4(XXVII)  Form of Purchase Payment Credit Rider [6%]         1      7K 
 3: EX-99.4(XXVIII)  Form of Purchase Payment Credit Rider             2±     8K 
                [Recapture]                                                      
 5: EX-99.4(XXX)  Form of Contract Schedule [Recapture]                4     23K 
 6: EX-99.4(XXXI)  Form of Contract Schedule [Lwg Ii]                  2±     8K 
 7: EX-99.5     Form of Variable Annuity Application                   6±    26K 
 8: EX-99.9     Opinion of Counsel                                     1      9K 

‘EX-99.4(XXX)’   —   Form of Contract Schedule [Recapture]

EX-99.4(XXX)
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 CONTRACT SCHEDULE

OWNER: [John Doe]                             SEX: [M] AGE AT ISSUE: [35]       

JOINT OWNER: [Jane Doe]                       SEX: [F] AGE AT ISSUE: [35]       

ANNUITANT: [John Doe ]                        SEX: [M] AGE AT ISSUE: [35]       

CONTRACT NUMBER: [12345678]                   ISSUE DATE: [February 15, 2005]   

PLAN TYPE: [Qualified, IRA, Non-Qualified,    MATURITY DATE: [February 15, 2060]
SIMPLE IRA, SEP, ROTH IRA]                                

PRODUCT CLASS:                   [Series XTRA, Pioneer PRISM XC]                

PURCHASE PAYMENT:                [$100,000.00]                                  

PURCHASE PAYMENTS:               [We reserve the right to reject any Purchase   
Payment.]     

MINIMUM SUBSEQUENT                                                        
PURCHASE PAYMENT:             [$500.00] [for both Non-Qualified and       
                                 Qualified, unless you have elected an automatic
                           sweep program.] [However, for IRAs, SEPs,
                              SIMPLE IRAs and Roth IRAs, in order to avoid
                                cancellation of the Contract, we will accept a
                                Purchase Payment of at least $50 once in every
                                 24 month period. We will also accept subsequent
                                Purchase Payments as required under applicable
           law and federal tax law.]

MAXIMUM TOTAL                                                             
PURCHASE PAYMENTS:            [$1,000,000.00], without our prior approval.

PURCHASE PAYMENT CREDITS:     [Eligible Purchase Payments are Purchase    
                         Payments received prior to the Contract
                             Anniversary on which you have attained your
                                 [81st] birthday. Each Eligible Purchase Payment
                                received will be credited with an amount equal
                               to [6%] of the Eligible Purchase Payment when
                             cumulative Purchase Payments amount to less
                          than [$200,000] and [7%] of the Eligible
                           Purchase Payment when cumulative Purchase
                               Payments amount to [$200,000] or more. In the
                                event that cumulative Purchase Payments amount
                                to [$200,000] or more within [120] days of the
                                 Issue Date, we will credit an additional amount
                             equal to [1%] of Eligible Purchase Payments
                             previously credited with an amount equal to
                        [6%], which additional credit shall be
                           effective on the DATE cumulative Purchase
                       Payments equal or exceed [$200,000] .

[Death Benefit Recapture Period: [12] months prior to the date of the Owner's   
death (or death of the Annuitant if a non-natural person owns the Contract]     

[Withdrawal Recapture Period: [12] months prior to the date the withdrawal      
request is received in our Annuity Service Office]                              

[Unvested Purchase Payment Credit:                                              

MONTHS FOLLOWING RECEIPT                   UNVESTED PURCHASE                    
OF A PURCHASE PAYMENT CREDIT                 PAYMENT CREDIT                     
----------------------------   ------------------------------------------       
Up to 12                       Purchase Payment Credit multiplied by 100%       
13 to 24                       Purchase Payment Credit multiplied by 75%        
25-36                          Purchase Payment Credit multiplied by 50%        
37 to 48                       Purchase Payment Credit multiplied by 25%        
49 or more                     Purchase Payment Credit multiplied by 0%]]       

8028-7 (5/09)-XXC                                                               

EX-99.4(XXX)
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MINIMUM ACCOUNT VALUE:           [$2,000.00]                                    

BENEFICIARY:                     [As designated by you as of the Issue Date     
                                unless changed in accordance with the Contract
provisions.]  

PRODUCT CHARGES:                                                                
[SEPARATE ACCOUNT:            We assess certain daily charges equal on an 
                               annual basis to the percentages set out below
                              of the average daily net asset value of each
                     Subaccount of the Separate Account:

                       Mortality and Expense Charge: [1.45%]

                Administration Charge: [0.25%]

                        [Death Benefit Rider Charge: [ 0.20%]]

                         [Additional Death Benefit Rider Charge:
[0.25%]]      

ACCOUNT FEE:                     The Account Fee is [$30.00] each Contract Year.
                                 During the Accumulation Period, on the Contract
                              Anniversary the full Account Fee is deducted
                              from each applicable Subaccount in the ratio
                                that the Account Value in the Subaccount bears
                            to the total Account Value in the Separate
                             Account. On the Annuity Calculation Date, a
                             pro-rata portion of the Account Fee will be
                              deducted from the Account Value as described
                              above. However, if your Account Value on the
                                 last day of the Contract Year or on the Annuity
                                 Calculation Date is at least [$50,000], then no
                        Account Fee is deducted. If during the
                            Accumulation Period, a total withdrawal is
                                made, the full Account Fee will be deducted at
                              the time of the total withdrawal. During the
                                 Annuity Period the Account Fee will be deducted
                                regardless of the size of your Contract and it
                             will be deducted pro-rata from each Annuity
Payment.      

SEPARATE ACCOUNT:                [MetLife Investors USA Separate Account A]     

ALLOCATION REQUIREMENTS:                                                        

1.   [Currently, you can select from any of the Subaccounts or the Fixed Account
   (if a Fixed Annuity Rider has been issued). However, we reserve the right
to limit this in the future.                                          

2.   Allocations must be in whole numbers. Each allocation must be at least     
  [$500]. Allocations made pursuant to Pre-scheduled Transfer programs are
     not subject to this limitation. The current approved Pre-scheduled Transfer
    programs are Rebalancing program, Asset Allocation program and Dollar Cost
Averaging program.                                                    

3.   We reserve the right to restrict allocations to the Fixed Account if any of
the following conditions exist: (a) the credited interest rate for the
     amount to be allocated is equal to the Minimum Guaranteed Interest Rate for
 the Fixed Account; (b) the Account Value in the Fixed Account equals or
 exceeds [$500,000]; or (c) a transfer was made out of the Fixed Account
within the previous 180 days.]                                        

TRANSFER REQUIREMENTS:                                                          

[NUMBER PERMITTED: The maximum number of transfers per Contract Year shall be   
[12] (excluding transfers resulting from our Pre-scheduled Transfer programs).  
We reserve the right to waive from time to time this transfer limitation.       

Subject to the Allocation Rules and the issuance of a Fixed Annuity Rider,      
during the Accumulation Period you may make transfers into the Fixed Account    
from the Subaccounts, subject to the maximum number of transfers per Contract   
Year as stated above. There are further limitations on transfers from the Fixed 
Account to the Separate Account as set forth below.                             

During the Annuity Period, you cannot make transfers from the General Account to
the Subaccounts.                                                                

TRANSFER FEE: In the event that [12] transfers are made in a Contract Year,     
(excluding those related to our Pre-scheduled Transfer programs) we will deduct 
a Transfer Fee of [$25] for each additional transfer in such Contract Year. The 
Transfer Fee will be deducted from the Subaccount or Fixed Account from which   
the transfer is made. However, if the entire interest in an account is being    
transferred, the Transfer Fee will be deducted from the amount which is         
transferred. We reserve the right to waive from time to time, the Transfer Fee. 

MINIMUM AND MAXIMUM AMOUNT TO BE TRANSFERRED: The minimum amount that may be    
transferred from a Subaccount is [$500], or your entire interest in the         
Subaccount, if less (excluding transfers resulting from our Pre-scheduled       
Transfer programs. The minimum amount that may be transferred from the Fixed    
Account during the Accumulation Period is [$500], or your entire interest in the
Fixed Account. Transfers out of the Fixed Account during the Accumulation Period
shall be limited to the greater of (a)                                          

8028-7 (5/09)-XXC                                                               

EX-99.4(XXX)
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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.]        

WITHDRAWALS:                                                                    

WITHDRAWAL CHARGE: [A Withdrawal Charge is assessed against Purchase Payments   
withdrawn. The Withdrawal Charge is calculated at the time of each withdrawal.  
Each Purchase Payment is tracked from the date of its receipt. Amounts will be  
withdrawn from your Contract in the following order:                            

1.   Earnings in the Contract (Earnings are equal to your Account Value less    
Purchase Payments not withdrawn); and then                            

2.   The Free Withdrawal Amount described below, if any; then                   

3.   Purchase Payments not previously withdrawn, in the order such Purchase     
  Payments were made: the oldest Purchase Payment first, the next Purchase
Payment second, etc. until all Purchase Payments have been withdrawn  
(First-in-First-out (FIFO) basis).                                    

Withdrawal Charges are determined in accordance with the following    
schedule:                                                             

WITHDRAWAL CHARGES

NUMBER OF COMPLETE YEARS                                                        
FROM RECEIPT OF PURCHASE PAYMENT   % CHARGE                                     
--------------------------------   --------                                     
[0                         8                            
1                         8                           
2                         7                           
3                         6                           
4                         5                           
5                         4                           
6                         3                           
7                         2                           
8                         1                           
9 and thereafter                  0]]                                 

[FREE WITHDRAWAL AMOUNT: Each Contract Year after the first, you can make a     
withdrawal of a portion of your Account Value free from any Withdrawal Charge.  
The Free Withdrawal Amount each Contract Year is equal to [10%] of total        
Purchase Payments, less the total Free Withdrawal Amount previously withdrawn in
the same Contract Year. This right is non-cumulative.]                          

MINIMUM PARTIAL WITHDRAWAL: [$500], or your entire interest in the Fixed Account
or Subaccount]                                                                  

MINIMUM WITHDRAWAL VALUE WHICH MUST REMAIN IN THE CONTRACT AFTER A PARTIAL      
WITHDRAWAL: [$2,000]                                                            

ANNUITY REQUIREMENTS:                                                           

     1.   [The Annuity Date cannot be earlier than 12 months following the Issue
         Date. Unless otherwise designated by you, the Annuity Date will be no
       later than the Maturity Date. The Maturity Date is the later of the
  first day of the calendar month following the Annuitant's 90th
birthday or ten (10) years from the Issue Date.             

   2.   For Variable Annuity Payments, the Variable Annuity Tables are based
      on the Annuity 2000 Mortality Table with 7-year age setback and an
Assumed Investment Return (AIR) of 3.00%.                   

    3.   For Fixed Annuity Payments, the Fixed Annuity Tables are based on the
         Annuity 2000 Mortality Table with 7-year age setback with interest at
[3%]]                                                       

[FIXED ACCOUNT:                                                                 

INITIAL GUARANTEE PERIOD: [Through the end of the current calendar year]        

RENEWAL GUARANTEE PERIOD: [A calendar year]                                     

INITIAL CURRENT INTEREST RATE: [4.60%][Allocations to the Fixed Account not     
currently available]                                                            

MINIMUM GUARANTEED INTEREST RATE: [3.00%] annually]                             

[INITIAL EDCA PERIOD: 24 months EDCA rate applicable to deposits made at the    
beginning of the Initial EDCA period: [4.00%]                                   

INITIAL EDCA PERIOD: 12 months EDCA rate applicable to deposits made at the     
beginning of the Initial EDCA period: [4.00%]                                   

INITIAL EDCA PERIOD: 6 months EDCA rate applicable to deposits made at the      
beginning of the Initial EDCA period: [8.00%]                                   

INITIAL EDCA PERIOD: 3 months EDCA rate applicable to deposits made at the      
beginning of the Initial EDCA period: [9.00%]]                                  

ANNUITY SERVICE OFFICE:                                                         

MetLife Investors USA Insurance Company                                         
[P.O. Box 10366                                                                 
Des Moines, Iowa 50306-0366                                                     
(800) 343-8496]                                                                 

8028-7 (5/09)-XXC                                                               

EX-99.4(XXX)
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ENDORSEMENTS AND RIDERS ATTACHED TO THIS CONTRACT:                              

[Fixed Account Rider for Variable Annuity                                       
Enhanced Dollar Cost Averaging Rider                                            
Three Month Market Entry Rider                                                  
Death Benefit Rider (Principal Protection)                                      
Death Benefit Rider (Annual Step-up)                                            
Death Benefit Rider (Enhanced)                                                  
Guaranteed Minimum Income Benefit Rider - Living Benefit                        
Guaranteed Withdrawal Benefit Rider                                             
Lifetime Guaranteed Withdrawal Benefit Rider                                    
Guaranteed Minimum Accumulation Benefit Rider                                   
Additional Death Benefit Rider - Earnings Preservation Benefit                  
Purchase Payment Credit Rider                                                   
Waiver of Withdrawal Charge for Nursing Home or Hospital Confinement Rider - TO 
BE ATTACHED AT ISSUE IF LESS THAN AGE 80                                        
Waiver of Withdrawal Charge for Terminal Illness Rider - TO BE ATTACHED AT ISSUE
IF LESS THAN AGE 80                                                             
Individual Retirement Annuity Endorsement                                       
Roth Individual Retirement Annuity Endorsement                                  
SIMPLE Individual Retirement Annuity Endorsement                                
401 Plan Endorsement                                                            
Tax Sheltered Annuity Endorsement                                               
Unisex Annuity Rates Endorsement                                                
Designated Beneficiary Non-Qualified Annuity Endorsement                        
Non-Qualified Annuity Endorsement]                                              

8028-7 (5/09)-XXC                                                               

Dates Referenced Herein   and   Documents Incorporated by Reference

				Referenced-On Page
This ‘N-4/A’ Filing		Date		First		Last			Other Filings
Filed on:		10/28/08							485BPOS,  N-4/A
		2/15/05		1
									List all Filings

25 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/12/24  Brighthouse Separate Account A    485BPOS     4/29/24    3:3.6M                                   Donnelley … Solutions/FA
 4/12/24  Brighthouse Separate Account A    485BPOS     4/29/24    3:4M                                     Donnelley … Solutions/FA
 4/12/24  Brighthouse Separate Account A    485BPOS     4/29/24    3:7.4M                                   Donnelley … Solutions/FA
 4/12/24  Brighthouse Separate Account A    485BPOS     4/29/24    3:4.3M                                   Donnelley … Solutions/FA
 4/12/24  Brighthouse Separate Account A    485BPOS     4/29/24    3:3.8M                                   Donnelley … Solutions/FA
 4/11/24  Brighthouse Separate Account A    485BPOS     4/29/24    3:3.3M                                   Donnelley … Solutions/FA
 4/17/23  Brighthouse Separate Account A    485BPOS     5/01/23    4:3.8M                                   Donnelley … Solutions/FA
 4/17/23  Brighthouse Separate Account A    485BPOS     5/01/23    4:4.1M                                   Donnelley … Solutions/FA
 4/17/23  Brighthouse Separate Account A    485BPOS     5/01/23    4:7.4M                                   Donnelley … Solutions/FA
 4/17/23  Brighthouse Separate Account A    485BPOS     5/01/23    6:4.6M                                   Donnelley … Solutions/FA
 4/17/23  Brighthouse Separate Account A    485BPOS     5/01/23    4:4M                                     Donnelley … Solutions/FA
 4/14/23  Brighthouse Separate Account A    485BPOS     5/01/23    4:3.5M                                   Donnelley … Solutions/FA
 4/27/22  Brighthouse Separate Account A    485BPOS     4/29/22    6:4.2M                                   Donnelley … Solutions/FA
 4/19/22  Brighthouse Separate Account A    485BPOS     4/29/22    5:2.6M                                   Donnelley … Solutions/FA
 4/19/22  Brighthouse Separate Account A    485BPOS     4/29/22    6:4M                                     Donnelley … Solutions/FA
 4/19/22  Brighthouse Separate Account A    485BPOS     4/29/22    6:6.2M                                   Donnelley … Solutions/FA
 4/19/22  Brighthouse Separate Account A    485BPOS     4/29/22    6:4.2M                                   Donnelley … Solutions/FA
 4/19/22  Brighthouse Separate Account A    485BPOS     4/29/22    6:3.9M                                   Donnelley … Solutions/FA
 4/18/22  Brighthouse Separate Account A    485BPOS     4/29/22    6:2.4M                                   Donnelley … Solutions/FA
 4/16/21  Brighthouse Separate Account A    485BPOS     4/30/21    3:2.5M                                   Donnelley … Solutions/FA
 4/16/21  Brighthouse Separate Account A    485BPOS     4/30/21    3:9.9M                                   Donnelley … Solutions/FA
 4/16/21  Brighthouse Separate Account A    485BPOS     4/30/21    3:5M                                     Donnelley … Solutions/FA
 4/16/21  Brighthouse Separate Account A    485BPOS     4/30/21    3:2.9M                                   Donnelley … Solutions/FA
 4/16/21  Brighthouse Separate Account A    485BPOS     4/30/21    3:2.6M                                   Donnelley … Solutions/FA
 4/15/21  Brighthouse Separate Account A    485BPOS     4/30/21    3:6.4M                                   Donnelley … Solutions/FA