1 Note: you could see a substantial loss if the index declines more than your level of protection.
This material must be preceded or accompanied by a prospectus for the Brighthouse Shield Level SelectSM Access Annuity, issued by Brighthouse Life Insurance Company, which contains information about the contract’s features, risks, charges, and expenses. Clients should read the prospectus, which is available from their financial professional, and consider its information carefully before investing. Brighthouse Financial reserves the right to substitute any index at any time. Product availability and features may vary by state.
Brighthouse Shield Level Select AccessSM Annuity is a long-term investment designed for retirement purposes. It has limitations, exclusions, charges, termination provisions and terms for keeping it in force and is not guaranteed by the broker/dealer, the insurance agency, the underwriter, or any affiliates of those entities from which they were purchased. All representations and contract guarantees, including the death benefit and annuity payout rates, are subject to the claims-paying ability and financial strength of the issuing insurance company. Because you agree to absorb all losses beyond your chosen Shield Rate, there is a risk of substantial loss of principal. Please refer to “Risk Factors” in the contract prospectus for more details.
Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% federal income tax penalty. Some broker/dealers and financial professionals may refer to the 10% federal income tax penalty as an “additional tax” or “additional income tax,” or use the terms interchangeably when discussing withdrawals taken prior to age 59½. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution tax that is generally imposed on interest, dividends, and annuity income if your modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the death benefits and account value. Withdrawals may be subject to withdrawal charges.
Brighthouse Financial may not give legal, tax or accounting advice. Any discussion of taxes is for general informational purposes, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.
Brighthouse Shield Level SelectSM Access Annuity is issued by Brighthouse Life Insurance Company on Policy Form L-22494 (09/12)-AV (“Brighthouse Financial”). This product is distributed by Brighthouse Securities, LLC (member FINRA). Both are Brighthouse Financial companies. MetLife, a registered service mark of Metropolitan Life Insurance Company, is used under license to Brighthouse Services, LLC and its affiliates.
Brighthouse Financial and design is a service mark of Brighthouse Financial, Inc. and its affiliates.
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