Shield® Level Annuities


A Brighthouse Shield® Level Annuity is an index-linked annuity, which means it doesn’t invest directly in the markets. Instead, it offers growth opportunities by tracking the performance of one or more market indices.1

Could a Shield Level annuity be right for you?

Kristin shares why she chose a Shield annuity for her portfolio.

Diversify your retirement portfolio with a Shield Level annuity.
Protect retirement assets

A Brighthouse Shield Level Annuity provides a level of protection to help ensure that losses are limited when markets turn volatile.

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Participate in growth opportunities

With a Shield annuity, balance is built in. This means that even with a guaranteed level of protection, there are opportunities to take advantage of market growth.

Pay no annual fees

Unlike many financial products, there are no annual fees with a Shield annuity.2

How It Works

Your Shield annuity3 can be tailored to your needs by answering four questions:

1. What index or indices do you want to track?
You can track the performance of well-known indices: S&P 500® Index (large cap), Russell 2000® Index (small cap), MSCI EAFE Index (international stocks) and Nasdaq-100® (large cap). A,B,C,D

2. How much protection do you want?
A Shield annuity offers a built-in level of protection called the Shield Rate.4 This protects your assets from some of the losses that can derail a portfolio.

3. How much growth potential do you want?
Three rate crediting types are available: Cap Rate, Step Rate, and Step Rate Edge. A Fixed Account is also available. If elected, a Fixed Account pays a fixed rate of interest rather than linking to an index. Your financial professional can help you determine which strategy might work best for you.5

4. How long do you want to invest?
Select the term, which is how long you want to invest. Shield offers 1-, 2-, 3-, and 6-year terms. At the end of each term, you can adjust or maintain your Shield Options to meet changing needs.

Shield Level annuities are worth exploring.

Take a look at our resources to learn how Shield annuities can help you reach your retirement goals.

Additional Information

Shield Annuity Rates
Get the current rates for all Shield annuity products here. Our rates generally update on the 1st and the 15th of each month.
Performance Lock Brochure
Our Performance Lock feature, which is available on Shield Options with a Cap Rate, allows you to lock positive index performance once during your term.6

Take the Next Step

Talk to your financial professional to find out if a Brighthouse Shield Level 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 Shield annuity fit my needs?
  • 2. What if I need to use the money for something else before my term is over?
  • 3. What percentage of my retirement assets should I invest in a Shield annuity?
  • 4. How have the indices a Shield annuity tracks performed in the past?
  • 5. Can I split my investment between more than one index?

Take a look at a short video that describes how each of our rate crediting types can provide growth opportunities.

Watch the Video Now


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.

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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 million annuity contracts and life insurance policies in force,7 Brighthouse Financial® is proud to be a Fortune® 500 company8 and one of the largest providers of annuities and life insurance in the U.S.9

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