Fixed Rate Annuities

A single premium deferred fixed annuity.

Take advantage of the retirement plans you’ve made. A fixed rate annuity can help you diversify your portfolio with guaranteed growth protected from stock market volatility.

Add growth and stability to your retirement outlook.
Guaranteed Growth
Guaranteed Growth

Your initial interest rate is guaranteed for the term length you choose and will be unaffected by equity market conditions.¹

Tax-Deferred Growth
Tax-Deferred Growth

Generally, taxes aren’t paid until money is withdrawn so your hard-earned money stays hard at work until it's ready for you to use.²

Choice to Fit Your Needs
Choice to Fit Your Needs

Choose your term and other options to fit your specific needs.

How It Works for You

Growth and Stability for Your Future

You can choose to receive income payments (for one or two lives) that will last for a specific period of time or for as long as you live. This income is guaranteed to remain the same, even if the market declines.3

Choose 3, 5, or 7 Years of Guaranteed Growth
You choose how long you want your money to grow (3, 5, or 7 years). Once your initial guarantee period ends, your contract will automatically renew into a subsequent guarantee period of one year, free of a withdrawal charge.

Access Your Assets
The Free Withdrawal Amount allows you to withdraw 10% of your purchase payment the first year and 10% of your account value each year thereafter, should the need arise.4 Additional withdrawals can be made without a charge, including:

  • Nursing Home Waiver5 – If you become confined to a nursing home and/or hospital for 90 consecutive days or more
  • Terminal Illness Waiver5 – If you’re diagnosed with a terminal illness with a life expectancy of 12 months or less
  • Required Minimum Distributions (RMD)6 – To comply with IRS RMD rules
  • Withdrawals After the Initial Guarantee Period – Once your initial guarantee period has ended, you can make withdrawals free of withdrawal charge


Resource Materials

Download these resources for more detailed information about this product:

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Additional Information


Take the Next Step

Talk to your financial professional about whether a Brighthouse Fixed Rate Annuity is right for you and how to purchase this product.

Use this product brochure to help prepare for the conversation with your financial professional.

View Product Brochure

This Brighthouse Financial product can only be purchased through a licensed financial professional.

Don’t have a financial professional? Learn more about working with a financial professional.


Brighthouse Financial® is on a mission to help people achieve financial security.

Trusted by over 2 million customers and with over 2 million annuity contracts and life insurance policies in force, Brighthouse Financial® is proud to be a Fortune® 500 company and one of the largest providers of annuities and life insurance in the U.S.7

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