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This material must be preceded or accompanied by prospectuses for the Brighthouse Shield Level SelectSM6-Year Annuity, Brighthouse Shield Level SelectSM3-Year Annuity, Brighthouse Shield Level SelectSMAdvisory Annuity, Brighthouse Shield Level 10SMAnnuity, and Brighthouse Shield Level 10SMAdvisory 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 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 only, 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 SelectSM6-Year Annuity, Brighthouse Shield Level SelectSM3-Year Annuity, Brighthouse Shield Level SelectSMAdvisory Annuity, Brighthouse Shield Level 10SMAnnuity, and Brighthouse Shield Level 10SMAdvisory Annuity are issued by Brighthouse Life Insurance Company on Policy Form L-22494 (09/12)-AV and 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 companies. MetLife is a registered service mark of Metropolitan Life Insurance Company (with its affiliates “MetLife”), and is used under license to Brighthouse Services, LLC, and its affiliates. Brighthouse Financial and MetLife are not affiliated and product guarantees are not backed by MetLife. Brighthouse Financial and its design are service marks of Brighthouse Financial, Inc. or its affiliates.