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This material must be preceded or accompanied by prospectuses for the Brighthouse Shield Level Select 6-Year Annuity, Brighthouse Shield Level Select 6-Year Annuity v.3, Brighthouse Shield Level Select 3-Year Annuity, Brighthouse Shield Level Select Advisory Annuity, Brighthouse Shield Level 10 Annuity, and Brighthouse Shield Level 10 Advisory Annuity, issued by Brighthouse Life Insurance Company and, in New York only, by Brighthouse Life Insurance Company of NY, 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 Annuities are long-term investments designed for retirement purposes. They have limitations, exclusions, charges, termination provisions, and terms for keeping them in force, and are 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 the client agrees to absorb all losses beyond their 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. 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% Unearned Income Medicare Contribution 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.
Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax, or accounting advice. Clients should confer with their qualified legal, tax, and accounting advisors as appropriate.
All guarantees, including any optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Each issuing insurance company is solely responsible for its own financial condition and contractual obligations.
Brighthouse Shield Level® Select 6-Year Annuity, Brighthouse Shield Level® Select 6-Year Annuity v.3, Brighthouse Shield Level® Select 3-Year Annuity, Brighthouse Shield Level® Select Advisory Annuity, Brighthouse Shield Level® 10 Annuity, and Brighthouse Shield Level® 10 Advisory Annuity, collectively referred to as “Shield® annuities,” are issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company on Policy Form L-22494 (09/12)-AV and, for products available in New York only, by Brighthouse Life Insurance Company of NY on Policy Form ML-22494 (09/12) ("Brighthouse Financial"). These products are distributed by Brighthouse Securities, LLC (member FINRA). All are Brighthouse Financial affiliated companies.