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As part of the ongoing transition, certain Brighthouse Financial features are serviced by MetLife.

Variable Annuities with FlexChoice

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Lifetime Income with Fewer Compromises
Market volatility and today’s long retirements make income they can’t outlive an essential part of any client’s portfolio. 

A variable annuity with the optional FlexChoice rider lets clients turn a portion of their portfolio into guaranteed income that lasts for life. They can also benefit from market gains while being protected if the market drops. All that plus real-life flexibility to adapt however life unfolds — especially for married clients. 

Income Built for Two See why FlexChoice is a lifetime income option married couples may love.¹

Benefits

Make your client's portfolio more balanced and durable with guaranteed lifetime income that can grow.

Income You Can Count On

Earn 5% Growth A Year
During the first decade, future income goes up by compounding 5% each year, even if the market goes down or stays flat (as long as there are no withdrawals.)

Lock In Market Gains
Each year until age 91, if the account value is higher than your Benefit Base due to market performance, there is an Automatic Step-Up that increases future payments.

5% Or 6% Withdrawals At Age 65
You can start taking 5% or 6% withdrawals are available at age 65 depending on the choice of two options.

Unique Flexibility for Married Couples

For However Life Unfolds
Many guaranteed income products make married couples lock in big decisions up front. But with FlexChoice, they don’t have to decide if they want income for one or two lives unless their account value runs out.

More Income Sooner
Unlike many retirement income products, with FlexChoice the amount of income they can withdraw is based on the age of the older owner. That can mean getting a higher withdrawal rate years sooner than if they had to wait for a younger spouse to “catch up.”

Income Built for Two
If a spouse passes away, the surviving spouse continues to receive the same income payments they’ve come to rely on with no interruption.1

Make Decisions at the Right Time

Turn Withdrawals On and Off
Clients can start and stop withdrawals at any time after age 59½. Waiting to take withdrawals can increase the amount they are able to withdraw later.

Choose How Much They Get
The income they receive is based on factors in their control. They include the age they start taking withdrawals, whether they want a steady amount of income or more early on, and if they decide to cover one or two people (only after the account value runs out).


Cancel if They Change Their Minds
In some cases, they may no longer need lifetime income. That's ok - they have alternatives if their needs change.

Do Variable Annuities with FlexChoice sound like a solution that fits your clients’ needs?

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