Variable Annuities with FlexChoice Access
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As part of the ongoing transition, certain Brighthouse Financial features are serviced by MetLife.


Variable Annuities with FlexChoice Access


Lifetime Income with Fewer Compromises

With life expectancies on the rise, pensions becoming a rarity, and the volatility of the stock market, planning for retirement is getting more complicated. What's more, continued low interest rates are making it more difficult to generate income in retirement.

That’s why it may be a great time for your clients to consider a Brighthouse Financial variable annuity with the optional FlexChoice Access rider, which lets them turn a portion of their retirement savings into guaranteed income that lasts for life.


Make your portfolio more balanced and durable with guaranteed lifetime income that has growth potential.

Growing and Protecting Retirement Income

Annual Compounding
FlexChoice Access uses a Benefit Base to determine future lifetime income. The Benefit Base cannot go down because of market losses, but it can grow. The initial investment determines the Benefit Base, which compounds at 5% 
for the first 10 contract years in years where there are no withdrawals taken, regardless of what happens in the market
 or to the account value.1

Locking in Market Gains
Your clients can capture market gains through Automatic Step-Ups of the Benefit Base if the account value increases and is greater than the Benefit Base on any contract anniversary prior to the older owner’s 91st birthday.2

Flexible Withdrawal Options
The amount available for withdrawal is based on the age of the owner, or older owner if jointly owned, at the time of the first withdrawal after age 59 ½ . Your clients can start taking 5% or 6% withdrawals at age 65 depending on the choice of two withdrawal options.

Income Ever After for Married Couples
Unlike many retirement income products, with FlexChoice Access the amount of income received is based on the age of the older spouse. This can mean getting a higher withdrawal rate sooner than if they had to wait years for the younger spouse to “catch up” to a minimum age. With FlexChoice Access, the initial withdrawal rate is the same for married and single clients.3

If something unexpected happens, it’s important to know that the surviving spouse can continue to receive the income they need in retirement. With FlexChoice Access, the surviving spouse continues to receive the same income payments they’ve come to rely on with no interruption.4,5

Personalized Investment Strategy

Designed to Meet your Clients' Needs
One way to help your clients grow money needed for retirement is to invest in a diversified portfolio to help weather varying market conditions.

Investment Options

FlexChoice Access offers the opportunity for your clients to design an investment strategy by selecting from the risk managed global multi-asset portfolios or choosing to build a more customized portfolio from individual investment options available.

Asset Allocation Portfolios

Designed to furnish a professionally managed asset allocation that provides automatic diversification

Individual Investment Options

Flexibility to choose investment options aligned to your clients' individual goals

Learn how to simplify the FlexChoice Access Fund Choices.

Use the Fund Worksheet to help your clients select investment allocation that meets their needs.

Refer to Fund Resources to explore the funds which make up investment options.

Investment Education

Gain valuable investment strategy insights that can help with productive client conversations that highlight the important role products can play when building diversified portfolios for both accumulation and income guarantees in retirement.

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

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