Brighthouse SecureKey^SM Fixed Indexed Annuities

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 ReadyPay is referred to as a Guaranteed Lifetime Withdrawal Benefit (GLWB) rider in the contract. Guaranteed lifetime income depends upon staying within the parameters of the rider.

³ The initial Fixed Account interest rate will be guaranteed for the length of the withdrawal charge period. After the withdrawal charge period, a new Fixed Account interest rate will be declared annually. Minimum allocation to any Indexed Account or Fixed Account is $500. Availability of the Fixed Account may vary by state and may be subject to restrictions.

⁴ Non-income withdrawals may affect the amount or ability to receive lifetime income. If the account value reduces to zero due to an income withdrawal, Brighthouse Financial will first pay any remaining guaranteed annual income in effect at the time the account value is reduced to zero and then begin making monthly payments, using the applicable lifetime withdrawal rate, on the next rider anniversary. If the account value is reduced to zero because there are insufficient funds to deduct the rider charge, lifetime income will be calculated using the applicable lifetime withdrawal rate. If the account value is reduced to zero due to a non-income withdrawal, lifetime income payments will not be received and the rider will terminate.

Brighthouse SecureKey Fixed Indexed Annuities are insurance products and are not insured by the FDIC, the NCUSIF, or any other government agency, nor are they guaranteed by, or the obligation of, the financial institution that sells them. All contract guarantees and annuity payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company. They are not backed by the broker/dealer from which they are purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability and financial strength of the issuing insurance company. Similarly, the issuing insurance company does not back the financial strength of the broker/dealer or any of its affiliates.

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.

Brighthouse SecureKey^SM 5-Year Fixed Indexed Annuity, Brighthouse SecureKey^SM 7-Year Fixed Indexed Annuity, Brighthouse SecureKey^SM 10-Year Fixed Indexed Annuity, and Brighthouse SecureKey^SM Advisory Fixed Indexed Annuity, collectively referred to as “Brighthouse SecureKey^SM Fixed Indexed Annuities,” are issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277, on Policy Forms ICC23-5-311-2 and 5-311-2 (01/23) (“Brighthouse Financial”). Product availability and features may vary by state or firm. These products are not available in New York.

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 The initial Fixed Account interest rate will be guaranteed for the length of the withdrawal charge period. After the withdrawal charge period, a new Fixed Account interest rate will be declared annually. Minimum allocation to any Indexed Account or Fixed Account is $500. Availability of the Fixed Account may vary by state and may be subject to restrictions.

Brighthouse SecureKey Fixed Indexed Annuities are insurance products and are not insured by the FDIC, the NCUSIF, or any other government agency, nor are they guaranteed by, or the obligation of, the financial institution that sells them. All contract guarantees and annuity payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company. They are not backed by the broker/dealer from which they are purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability and financial strength of the issuing insurance company. Similarly, the issuing insurance company does not back the financial strength of the broker/dealer or any of its affiliates.

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.

Brighthouse SecureKey^SM 5-Year Fixed Indexed Annuity is issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277, on Policy Forms ICC23-5-311-2 and 5-311-2 (01/23) (“Brighthouse Financial”). Product availability and features may vary by state or firm. These products are not available in New York.