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Brighthouse SecureKey®
Fixed Indexed Annuities

Get 100% protection1 for your purchase payment against market downturns along with an opportunity to grow your retirement savings and, if you choose, a stream of guaranteed lifetime income from ReadyPay®, an optional Guaranteed Lifetime Withdrawal Benefit (GLWB) rider.2



Brighthouse SecureKey with ReadyPay provides multiple benefits
that can help you meet future income needs.
Safety from market loss
Safety from market loss

With 100% guaranteed protection,1 you can be confident that your original purchase payment is safe, no matter how the markets behave.

Potential for growth
Potential for growth

Help meet future retirement needs with the opportunity for growth based on the performance of selected Indexed Accounts or a Fixed Account.3

Income for life
Income for life

Brighthouse SecureKey features ReadyPay, an optional living benefit rider that can provide a reliable stream of guaranteed lifetime income to supplement other retirement sources.4

How It Works

A financial product that can provide multiple benefits
Offering safety, potential for growth, and guaranteed lifetime income, a SecureKey annuity is a portfolio addition that features multiple benefits, including:

1. Safety with index-linked growth opportunities
SecureKey annuities offer the opportunity for growth by tracking the perfomance of well-known market indices while ensuring your purchase payment is 100% protected1 against market downturns.

2. Source of retirement income
Add a measure of security to your retirement with ReadyPay, an optional Guaranteed Lifetime Withdrawal Benefit rider that provides a reliable stream of guaranteed lifetime income.

Resource Materials

Download these resources for more detailed information about this product:

Product Brochure
ReadyPay Flyer
Indexed Accounts Brochure

Are you a financial professional? View related materials for financial professionals.

Additional Information

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Take the Next Step

Talk to your financial professional to find out if a Brighthouse SecureKey Fixed Indexed Annuity is right for a portion of your portfolio and to learn more about purchasing this product.
 

Here are some questions to help you start the conversation:

  1. Does a Brighthouse SecureKey Fixed Indexed Annuity with ReadyPay fit my needs?

  2. Would this product fit my needs even if I don’t elect to add the GLWB rider?

  3. What if I need to withdraw money before I can begin taking income?

  4. How much of my retirement portfolio should I invest in a SecureKey annuity?

  5. How have the indices that this product tracks performed in the past?

Use this Product Brochure to help prepare for the conversation with your financial professional.

View Product Brochure

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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 Logo

Trusted by more than 2 million customers and with over 2 million annuity contracts and life insurance policies in force,* Brighthouse Financial® is one of the largest providers of annuities and life insurance in the U.S.**

* Data as of March 31, 2024.

** Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

1 The purchase payment will be reduced by withdrawals, which may be subject to withdrawal charges and a Market Value Adjustment if applicable. All guarantees are subject to the claims-paying ability and financial strength of Brighthouse Life Insurance Company.

2 Guaranteed lifetime income depends upon staying within the parameters of the rider.

3 The initial Fixed Account interest rate will be guaranteed for the length of the withdrawal charge period. After the withdrawal charge period, a new Fixed Account interest rate will be declared annually. Minimum allocation to any Indexed Account or Fixed Account is $500. Availability of the Fixed Account may vary by state and may be subject to restrictions.

4 Non-income withdrawals may affect the amount or ability to receive lifetime income. If the account value reduces to zero due to an income withdrawal, Brighthouse Financial will first pay any remaining guaranteed annual income in effect at the time the account value is reduced to zero and then begin making monthly payments, using the applicable lifetime withdrawal rate, on the next rider anniversary. If the account value is reduced to zero because there are insufficient funds to deduct the rider charge, lifetime income will be calculated using the applicable lifetime withdrawal rate. If the account value is reduced to zero due to a non-income withdrawal, lifetime income payments will not be received and the rider will terminate.

Brighthouse SecureKey Fixed Indexed Annuities are insurance products and are not insured by the FDIC, the NCUSIF, or any other government agency, nor are they guaranteed by, or the obligation of, the financial institution that sells them. All contract guarantees and annuity payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company. They are not backed by the broker/dealer from which they are purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability and financial strength of the issuing insurance company. Similarly, the issuing insurance company does not back the financial strength of the broker/dealer or any of its affiliates.

Brighthouse SecureKey Fixed Indexed Annuities have charges, termination provisions, and terms for keeping them in force. Contact your financial professional for complete details.

Withdrawals of taxable amounts are subject to ordinary income tax. Withdrawals made before age 59½ may also be subject to a 10% federal income tax penalty. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Net Investment Income Tax that is generally imposed on interest, dividends, and annuity income if the modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the death benefit and account value. Withdrawals may be subject to withdrawal charges.

Brighthouse SecureKey® 5-Year Fixed Indexed Annuity, Brighthouse SecureKey® 7-Year Fixed Indexed Annuity, Brighthouse SecureKey® 10-Year Fixed Indexed Annuity, and Brighthouse SecureKey® Advisory Fixed Indexed Annuity, collectively referred to as “Brighthouse SecureKey® Fixed Indexed Annuities,” are issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277, on Policy Forms ICC23-5-311-2 and 5-311-2 (01/23) (“Brighthouse Financial”). Product availability and features may vary by state or firm. These products are not available in New York.