Protect your retirement assets
Participate in growth opportunities
Pay no annual fees
How a Shield Level Annuity Works for You
A Shield annuity is index-linked. This type of annuity doesn’t invest directly in the markets. Instead, it offers growth opportunities by tracking the performance of a market index.
Your Shield annuity can be tailored to your needs by answering four questions:
1. What index or indices do you want to track?
Select from among the S&P 500® IndexA (large cap), Russell 2000® IndexB (small cap), and the MSCI EAFE IndexC (international stocks).
2. How much protection do you want?
A Shield annuity offers a built-in level of protection2 called the Shield Rate. This protects your assets from some of the losses that can derail a portfolio.
3. How much growth potential do you want?
Select the Cap Rate or Step Rate. The Cap Rate “caps” growth at a set percentage at the end of the term. The Step Rate credits a set percentage of growth to your account at the end of the term - even if your selected index is flat.3
4. How long do you want to invest?
Select the term - how long you want to invest. We’ll compare the index value at the start and end of the term and factor in the protection level as well as the Cap Rate or Step Rate to determine your new account value.
Hint: Try the Interactive Tool above to see how different selections may affect performance in a variety of market conditions.
Take a look at our resources to learn how Shield annuities can help you reach your retirement goals.
Are you a Financial Professional? Visit the Financial Professionals Site.
How to Buy Shield Level Annuity
Our products can only be purchased through a financial professional. Your advisor can help keep your plans on track and decide whether a Brighthouse Shield annuity makes sense in your plan.
Questions to help you begin the conversation:
- What percentage of my retirement assets should I invest in a Shield annuity?
- How have the indices Shield annuities track performed in the past?
For additional discussion questions and information to cover with your advisor, enter your email below.
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Brighthouse Financial® is on a mission to help people achieve financial security.
Trusted by over 2 million customers and with 2.5 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.5