Brighthouse SecureAdvantage® 6-Year Fixed Index Annuity
Help your clients reach their retirement goals with:
- 100% protection1 for purchase payment against market downturns
- Innovative growth opportunities tracking major market indices
- Clarity that is not offered in some comparable products
How It Works
SecureAdvantage® offers clients 100% protection1 for their purchase payment against market downturns and a death benefit that allows clients to provide for beneficiaries.
Our innovative Annual Sum® Index Accounts offer greater growth opportunities than some fixed index annuity (FIA) products by tracking the performance of two major market indices – S&P 500® Index and Russell 2000® Index – and the UBS truVol® US Target Sectors Index, a custom index exclusive to SecureAdvantage 6-Year. A,B,C
No annual fees combined with daily tracking of contract values and a Free Withdrawal Amount available during each contract year provides a degree of certainty for your clients.2
The SecureAdvantage Difference
Offer a greater opportunity for growth than some FIAs. The product also features 6-Year Point-to-Point Index Accounts and a Fixed Account.4
Lets clients have a window into their contract’s performance during an index term through daily updated values in the contract, including the Daily Performance Value.5
Allows clients to lock in the value of their chosen index on any business day once during an index term.6
Interactive Tool
Find out how SecureAdvantage can work for your clients.
Resources
Explore these resources and product materials to help you have deeper conversations with your clients.
Digital Desk
A The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Brighthouse Financial. Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Brighthouse Financial. Brighthouse Financial products are not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates; and none of such parties make any representation regarding the advisability of investing in such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
B The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by affiliates of Brighthouse Financial, Inc. This annuity product is not sponsored, endorsed, sold, or promoted by Russell Investments, and Russell Investments makes no representation regarding the advisability of investing in this annuity product.
C The UBS truVol® US Target Sectors Index and “UBS”, and any trademarks, service marks, and logos related thereto, are service marks of UBS AG or one of its affiliates (collectively, “UBS”). UBS has no relationship to Brighthouse Services, LLC, other than certain hedging arrangements and the licensing of the UBS truVol® US Target Sectors Index and its service marks for use in connection with Brighthouse SecureAdvantage® 6-Year Fixed Index Annuity and is not a party to any transaction contemplated hereby. UBS shall not be liable for the results obtained by using, investing in, or trading SecureAdvantage 6-Year. UBS has not published or approved this document and accepts no responsibility for its contents or use. Obligations to make payments under SecureAdvantage 6-Year are solely the obligation of Brighthouse Services, LLC. and are not the responsibility of UBS. The truVol® Risk Control Engine is a service mark of Salt Financial Indices LLC and has been licensed for use by UBS. SecureAdvantage 6-Year is not sponsored, endorsed, sold, or promoted by Salt Financial Indices LLC. Nor does Salt Financial Indices LLC, make any representation regarding the advisability of investing in Brighthouse SecureAdvantage 6-Year Fixed Index Annuity.
1 The purchase payment will be reduced by withdrawals, which may be subject to withdrawal charges and a Market Value Adjustment if applicable. All guarantees are subject to the claims-paying ability and financial strength of Brighthouse Life Insurance Company.
2 Withdrawals in excess of the Free Withdrawal Amount may be subject to withdrawal charges and a Market Value Adjustment if applicable.
3 Annual Sum is referred to as Point-to-Point Sum with Cap Rate or Participation Rate in the contract.
4 After the initial 6-Year Index Term, the only options available are 1-Year Index Terms and Fixed Account.
5 Daily Performance Value tracks the daily valuation of the potential growth through each index term. This value is not available for withdrawals, full surrenders, or annuitization. The Daily Performance Value will always equal the Death Benefit Value for each Index Account.
6 The Performance Lock feature can be used once during each index term. It is available with the 6-Year Point-to-Point with Participation Rate Index Account only and is not available after the initial 6-Year Index Term. Performance Lock is referred to as the Index Value Lock Rider in the contract.
7 Market Value Adjustment is not applicable in CA. See the contract or refer to the product Fact Card 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% Net Investment Income 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.
This material is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax, accounting, investment, or fiduciary advice. Brighthouse Financial and its affiliates did not consider any individual’s circumstances in preparing this information. Clients should confer with their tax, legal, and accounting professionals in addition to consulting with a financial professional.
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 SecureAdvantage® 6-Year Fixed Index Annuity is issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277, on Policy Forms ICC19-8-310 and 8-310-1 (6/19) (“Brighthouse Financial”). Product availability and features may vary by state or firm. This product is not available in New York.
8-FIAFPW (5/21)