The Variable Annuity Contract
issued by
Brighthouse Life Insurance Company of NY
and
Brighthouse Variable Annuity Account B
 
Vintage LSM
 
Disclosure Notice
April 29, 2024
A flexible premium deferred variable annuity contract
 
This Disclosure Notice provides certain updated information about your Vintage LSM Variable Annuity Contract (the “Contract” or “contract”), a flexible premium deferred variable annuity contract issued by Brighthouse Life Insurance Company of NY (“BLNY”, the “Company”, or “we” or “us”). The Contract is no longer available for purchase.
Updated financial statements for BLNY and Brighthouse Variable Annuity Account B (the “Separate Account”) are available, free of charge at https://dfinview.com/BHF/TAHD/BHF31. The Contract prospectus, dated April 28, 2008, as supplemented, is available and contains more information about the Contract including its features, benefits, and risks. You can obtain this information at no cost by calling (888) 243-1932 or by sending an email request to rcg@brighthousefinancial.com.
Additional general information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.
The Securities and Exchange Commission has not approved or disapproved these securities or determined if this Disclosure Notice is accurate or complete. Any representation to the contrary is a criminal offense.
1
TABLE OF CONTENTS 
 
Page
3
3
6
A-1
B-1
2
Special Terms
Account Value. The sum of your interests in the Investment Portfolios, including the Enhanced Dollar Cost Averaging account.
Accumulation Phase. The period in which earnings accumulate on a tax-deferred basis.
Contract Year. A Contract Year is defined as a one-year period starting on the date the contract is issued and on each contract anniversary thereafter.
Investment Portfolios. The means of investing offered to Owners in various underlying fund portfolios. May also be referred to as “Portfolio Company.”
Monitored Portfolios. Certain Investment Portfolios on which we monitor transfer activity. We may change the Monitored Portfolios at any time without notice in our sole discretion.
Purchase Payment. A Purchase Payment is the money you give us to invest in the contract. The initial Purchase Payment is due on the date the contract is issued. You may also be permitted to make subsequent Purchase Payments.
Separate Account. We have established Brighthouse Variable Annuity Account B to hold the assets that underlie the Contracts.
Updated Information You Should Consider About the Contract
The information in this section of the Disclosure Notice is a summary of certain Contract features that have changed since the prospectus supplement dated May 1, 2023. This does not reflect all of the changes that have occurred since you entered into your Contract.
Contact Information Changes
Effective October 16, 2023, the contact information for the Annuity Service Center for various Contract transactions changed. Please use the contact information listed below. 
Death Claims
P.O. Box 4330
Clinton, IA 52733-4330
Fax: (877) 245-8163
Annuity Payments/Income
 
• Requests to receive regular income payments
(referred to as Annuity Payments)
P.O. Box 4365
Clinton, IA 52733-4365
Telephone: (800) 882-1292
Fax: (877) 246-8424
• Death Claims for Contracts receiving Annuity
Payments
P.O. Box 4364
Clinton, IA 52733-4364
Telephone: (800) 882-1292
Fax: (877) 245-8163
• General requests and elections for Contracts
receiving Annuity Payments
P.O. Box 4363
Clinton, IA 52733-4363
Telephone: (800) 882-1292
Fax: (877) 246-8424
All other requests and elections, including subsequent
Purchase Payments, and general inquiries
P.O. Box 4301
Clinton, IA 52733-4301
Telephone: (888) 243-1932
Fax: (877) 246-8424
3
Other Information
Cybersecurity and Certain Business Continuity Risks. Our variable annuity contract business is largely conducted through complex information technology and communications systems operated by us and our service providers and business partners (e.g., the Investment Portfolios and the firms involved in the distribution and sale of our variable annuity contracts). Our operations rely on the secure processing, storage and transmission of confidential and other information in our systems and the systems of third party service providers. For example, many routine operations, such as processing Owners’ requests and elections and day-to-day recordkeeping, are all executed through computer networks and systems. We have established administrative and technical controls and business continuity and resilience plans to protect our operations against attempts by unauthorized third parties to improperly access, modify, disrupt the operation of, or prevent access to critical networks or systems or data within them (a “cyber-attack”). Despite these protocols, the techniques used to attack systems and networks change frequently, are becoming more sophisticated, and can originate from a wide variety of sources including terrorists, nation states, financially motivated actors, internal actors, or third parties, such as external service providers, and the techniques used change frequently or are often not recognized until after they have been launched. The rapid evolution and increased adoption of artificial intelligence technologies may intensify our cybersecurity risks, including the deployment of artificial intelligence technologies by threat actors. There may be an increased risk of cyber-attacks during periods of geo-political or military conflict.
A cyber-attack could have a material, negative impact on the Company and the Separate Account, as well as individual Owners and their contracts. There are inherent limitations in our plans and systems, including the possibility that certain risks have not been identified or that unknown threats may emerge in the future. Unanticipated problems with, or failures of, our disaster recovery systems and business continuity plans could have a material impact on our ability to conduct business and on our financial condition and operations, and such events could result in regulatory fines or sanctions, litigation, penalties or financial losses, reputational harm, loss of customers, and/or additional compliance costs for us. Our operations also could be negatively impacted by a cyber-attack affecting a third party, such as a service provider, business partner, another participant in the financial markets, or a governmental or regulatory authority. Potential attacks can occur through a variety of sources, including, but not limited to, cyber-attacks, phishing attacks, account takeover attempts, the introduction of computer viruses or malicious code, ransomware or other extortion tactics, denial of service attacks, credential stuffing, and other computer-related penetrations. Hardware, software or applications developed by us or received from third parties may contain exploitable vulnerabilities, bugs, or defects in design, maintenance or manufacture or other issues that could compromise information and cybersecurity. Malicious actors may attempt to fraudulently induce employees, customers, or other users of our systems to disclose credentials or other similar sensitive information in order to gain access to our systems or data, or that of our customers, through social engineering, phishing, mobile phone malware, and other methods. Cybersecurity threats can originate from a wide variety of sources including, but not limited to, natural catastrophe, military or terrorist actions, public health crises (such as the COVID-19 pandemic), and unanticipated problems with our or our service providers’ disaster recovery systems. Such disasters and events may adversely affect our ability to conduct business or administer the contract, particularly if our employees or the employees of our service providers are unable or unwilling to perform their responsibilities as a result of any such event.
Cyber-attacks, disruptions or failures to our business operations can interfere with our processing of contract transactions, including the processing of transfer orders from our website or with the Investment Portfolios; impact our ability to calculate Accumulation Unit values; cause the release and/or possible loss, misappropriation or corruption of confidential Owner or business information; or impede order processing or cause other operational issues. Cyber-attacks, disruptions or failures may also impact the issuers of securities in which the Investment Portfolios that we or our service providers or the Investment Portfolios will avoid losses affecting your contract due to cyber-attacks, disruptions or failures in the future. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, there is no guarantee that we will be able to successfully manage and mitigate this risk at all times. Furthermore, we cannot control the cybersecurity plans and systems implemented by third parties, including service providers or issuers of securities in which the Investment Portfolios invest.
4
Investment Portfolios
•Monitored Portfolios. We monitor transfer activity in the following “Monitored Portfolios” for purposes of imposing our restrictions on frequent transfers:
American Funds Global Growth Fund
American Funds Growth Fund
American Funds Growth-Income Fund
Brighthouse/abrdn Emerging Markets Equity Portfolio
CBRE Global Real Estate Portfolio
ClearBridge Variable Small Cap Growth Portfolio
Invesco Global Equity Portfolio
Invesco Small Cap Growth Portfolio
JPMorgan Small Cap Value Portfolio
MFS® Research International Portfolio
Neuberger Berman Genesis Portfolio
Templeton Foreign VIP Fund
Western Asset Management Strategic Bond Opportunities Portfolio
Western Asset Variable Global High Yield Bond Portfolio
5
Important Information You Should Consider About the Contract 
 
Fees and Expenses
Location in
Prospectus
Charges for Early
Withdrawals
If you withdraw money during the first 4 full Contract Years following a
Purchase Payment, you may be assessed a withdrawal charge of up to 7% of
withdrawn, declining to 0% over that time period.
For example, if you make an early withdrawal, you could pay a withdrawal
charge of up to $7,000 on a $100,000 investment.
Fee Table and
Examples
 
Expenses –
Withdrawal
Charge
Transaction
Charges
In addition to withdrawal charges, you also may be charged for the following
transactions: transfers of cash value between investment options, which
Transfer Fee. Currently, we allow unlimited transfers among the investment
options without charge. However, we reserve the right to charge for transfers
after the first 12 transfers per year.
Fee Table and
Examples
 
Expenses –
Transfer Fee
6
 
Fees and Expenses
Location in
Prospectus
Ongoing Fees and
Expenses (annual
charges)
The table below describes the fees and expenses that you may pay each year,
depending on the options you choose. Please refer to your Contract
specifications page for information about the specific fees you will pay each
year based on the options you have elected.
Fee Table and
Examples
 
Expenses –
Product
Charges
 
Appendix A:
Available
Under the
Contract
(located in this
Disclosure
Notice)
Annual Fee
Minimum
Maximum
Base Contract1
1.67%
1.67%
Investment options
(Portfolio Company fees and
expenses)2
0.53%
1.31%
Optional benefits available for
an additional charge (for a
single optional benefit, if
elected)
0.20%3
1.50%4
1 As a percentage of average Account Value in the Separate Account. The charge shown also
includes the Account Fee.
2 As a percentage of fund assets before temporary expense reimbursements and/or fee waivers.
3 As a percentage of average Account Value in the Separate Account. This charge is the current
charge for the least expensive optional benefit.
4 As a percentage of the Total Guaranteed Withdrawal Amount, which is a value used to
calculate your benefit. This charge is the current charge for the most expensive optional benefit.
 
 
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your
Contract, the following table shows the lowest and highest cost you could
pay each year, based on current charges. This estimate assumes that you do
not take withdrawals from the Contract, which could add withdrawal
charges that substantially increase costs.
Lowest Annual Cost
$1,987
Highest Annual Cost
$4,111
Assumes:
Assumes:
•Investment of $100,000
•5% annual appreciation
•Least expensive Portfolio Company fees
and expenses
•No optional benefits
•No additional Purchase Payments,
transfers, or withdrawals
•Investment of $100,000
•5% annual appreciation
•Most expensive combination
of optional benefits and
Portfolio Company fees and
expenses
•No additional Purchase
Payments, transfers, or
withdrawals
7
 
Risks
Location in
Prospectus
Risk of Loss
You can lose money by investing in this Contract including loss of principal.
The Annuity
Contract
 
Investment
Options
Not a Short-Term
Investment
This Contract is not a short-term investment and is not appropriate for an
investor who needs ready access to cash.
Withdrawal charges may apply for the first 4 years of the Contract.
Withdrawal charges will reduce the value of your Contract if you withdraw
money during that time.
The benefits of tax deferral and living benefit protection also mean the
Contract is more beneficial to investors with a long time horizon.
The Annuity
Contract
 
Investment
Options
Risks Associated
with Investment
Options
•An investment in this Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the investment
options available under the Contract (e.g., Portfolio Companies).
•Each investment option has its own unique risks.
•You should review the prospectuses for the available funds before making
an investment decision.
Investment
Options
Insurance
Company Risks
An investment in the Contract is subject to the risks related to us. Any
obligations and guarantees and benefits of the Contract that exceed the assets
of the Separate Account are subject to our claims-paying ability. If we
experience financial distress, we may not be able to meet our obligations to
you. More information about BLNY, including our financial strength ratings,
is available by contacting us at (888) 243-1968.
The Annuity
Contract
 
Restrictions
 
Investments
•Currently, we allow unlimited transfers without charge among investment
options during the Accumulation Phase. However, we reserve the right to
impose a charge for transfers in excess of 12 per year.
•We reserve the right to limit transfers in circumstances of frequent or large
transfers.
•We reserve the right to remove or substitute the Portfolio Companies
available as investment options under the Contract.
Investment
Options
Optional Benefits
•Certain optional benefits limit or restrict the investment options that you
may select under the Contract. We may change these restrictions in the
future.
•Certain optional benefits could limit subsequent Purchase Payments.
•Withdrawals may reduce the value of an optional benefit by an amount
greater than the value withdrawn, which could significantly reduce the
value or even terminate the benefit.
•We may stop offering an optional benefit at any time for new sales.
Purchase –
Investment
Allocation
Restrictions for
Certain Riders
 
Living Benefits
 
Appendix B:
Available
Under the
Benefits
Offered Under
the Contract
(located in this
Disclosure
Notice)
8
 
Taxes
 
Tax Implications
•Consult with a tax professional to determine the tax implications of an
investment in and payments received under this Contract.
•If you purchase the Contract through a tax-qualified plan or individual
retirement account, you do not get any additional tax benefit.
•You will generally not be taxed on increases in the value of the Contract
until they are withdrawn. Withdrawals will be subject to ordinary income
tax, and may be subject to tax penalties if you take a withdrawal before
age 59 1∕2.
Federal
Income Tax
Status
 
Conflicts of Interest
 
Investment
Professional
Compensation
Your investment professional may receive compensation for selling this
Contract to you, in the form of commissions, additional cash benefits (e.g.,
bonuses), and non-cash compensation. This conflict of interest may influence
your investment professional to recommend this Contract over another
investment for which the investment professional is not compensated or
compensated less.
Other
Information –
Distributor
Exchanges
If you already own an insurance contract, some investment professionals may
have a financial incentive to offer you a new contract in place of the one you
own. You should only exchange a contract you already own if you
determine, after comparing the features, fees, and risks of both contracts,
that it is better for you to purchase the new contract rather than continue to
own your existing Contract.
Replacement
of Contracts
9
 
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APPENDIX A
Investment Portfolios Available Under the Contract
The following is a list of Investment Portfolios under the Contract. More information about the Investment Portfolios is available in the prospectuses for the Investment Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/BHF/TAHD/BHF31. You can also request this information at no cost by calling (888) 243-1932 or sending an email request to rcg@brighthousefinancial.com.
The current expenses and performance information below reflects fees and expenses of the Investment Portfolio, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Investment Portfolio’s past performance is not necessarily an indication of future performance. 
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2023)
1
Year
5
Year
10
Year
Seeks long-term growth of capital.
American Funds Global Growth
Fund — Class 2#
Capital Research and Management
CompanySM
0.66%
22.60%
13.65%
9.58%
Seeks growth of capital.
American Funds Growth
Fund — Class 2
Capital Research and Management
CompanySM
0.59%
38.49%
18.68%
14.36%
Seeks long-term growth of capital
and income.
American Funds Growth-Income
Fund — Class 2
Capital Research and Management
CompanySM
0.53%
26.14%
13.36%
10.91%
Seeks capital appreciation and
current income.
AB Global Dynamic Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: AllianceBernstein L.P.
0.90%
11.64%
3.99%
3.70%
Seeks capital appreciation and
current income.
BlackRock Global Tactical Strategies
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Financial
Management, Inc.
0.93%
13.32%
4.89%
3.97%
Seeks growth of capital.
Brighthouse Asset Allocation 100
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.99%
20.81%
11.55%
7.92%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
Brighthouse Balanced Plus
Portfolio — Class B*
Brighthouse Investment Advisers,
LLC
Subadviser: Overlay Portion: Pacific
Investment Management Company
LLC
0.97%
9.24%
5.01%
4.78%
A-1
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2023)
1
Year
5
Year
10
Year
Seeks capital appreciation.
Brighthouse/abrdn Emerging
Markets Equity
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: abrdn Investments
Limited
1.21%
6.47%
2.88%
1.30%
Seeks a high level of current income,
while seeking preservation of
shareholders’ capital.
Brighthouse/Franklin Low Duration
Total Return Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Franklin Advisers, Inc.
0.73%
5.59%
1.51%
1.29%
Seeks long-term capital appreciation.
Brighthouse/Wellington Large Cap
Research Portfolio — Class E#
Brighthouse Investment Advisers,
LLC
Subadviser: Wellington Management
Company LLP
0.69%
25.51%
15.21%
11.54%
Seeks total return through
investment in real estate securities,
emphasizing both capital
appreciation and current income.
CBRE Global Real Estate
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: CBRE Investment
Management Listed Real Assets
LLC
0.90%
12.73%
6.15%
4.38%
Seeks total return.
Invesco Balanced-Risk Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.94%
6.44%
5.36%
4.21%
Seeks capital growth and income.
Invesco Comstock
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.81%
12.21%
13.33%
8.86%
Seeks capital appreciation.
Invesco Global Equity
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.83%
34.58%
12.20%
8.41%
Seeks long-term growth of capital.
Invesco Small Cap Growth
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.81%
12.33%
8.90%
7.66%
Seeks capital appreciation and
current income.
JPMorgan Global Active Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.98%
10.51%
5.56%
4.66%
A-2
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2023)
1
Year
5
Year
10
Year
Seeks long-term capital growth.
JPMorgan Small Cap Value
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.77%
13.21%
10.68%
6.55%
Seeks long-term growth of capital.
Loomis Sayles Growth
Portfolio — Class A††
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
0.55%
52.06%
16.39%
10.80%
Seeks long-term growth of capital.
Loomis Sayles Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
0.80%
51.73%
16.12%
10.53%
Seeks a balance between growth of
capital and current income, with a
greater emphasis on growth of
capital.
MetLife Multi-Index Targeted Risk
Portfolio — Class B*
Brighthouse Investment Advisers,
LLC
Subadviser: Overlay Portion:
MetLife Investment Management,
LLC
0.66%
13.82%
5.03%
4.44%
Seeks capital appreciation.
MFS® Research International
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.90%
12.82%
8.54%
4.17%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.92%
40.86%
10.81%
8.50%
Seeks total return.
PanAgora Global Diversified Risk
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: PanAgora Asset
Management, Inc.
0.98%
4.71%
2.47%
 — 
Seeks maximum real return,
consistent with preservation of
capital and prudent investment
management.
PIMCO Inflation Protected Bond
Portfolio — Class B
Brighthouse Investment Advisers,
LLC
Subadviser: Pacific Investment
Management Company LLC
0.93%
3.59%
3.05%
2.08%
A-3
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2023)
1
Year
5
Year
10
Year
Seeks maximum total return,
consistent with the preservation of
capital and prudent investment
management.
PIMCO Total Return
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Pacific Investment
Management Company LLC
0.80%
6.05%
1.01%
1.60%
Seeks capital appreciation and
current income.
Schroders Global Multi-Asset
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Schroder Investment
Management North America Inc.
0.95%
15.02%
4.88%
4.02%
Seeks long-term capital appreciation
by investing in common stocks
believed to be undervalued. Income
is a secondary objective.
T. Rowe Price Large Cap Value
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.78%
9.64%
11.26%
8.66%
Seeks long-term capital appreciation
by investing in common stocks
believed to be undervalued. Income
is a secondary objective.
T. Rowe Price Large Cap Value
Portfolio — Class E††
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.68%
9.78%
11.38%
 — 
Seeks high total return by investing
in equity securities of mid-sized
companies.
Victory Sycamore Mid Cap Value
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Victory Capital
Management Inc.
0.85%
9.94%
14.38%
8.30%
Seeks a high level of current income,
consistent with preservation of
principal.
Western Asset Management
Government Income
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.72%
4.39%
0.21%
1.26%
Seeks a competitive total return
primarily from investing in fixed-
income securities.
BlackRock Bond Income
Portfolio — Class E#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.54%
5.68%
1.38%
2.05%
Seeks long-term growth of capital.
BlackRock Capital Appreciation
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.57%
49.61%
16.15%
12.88%
A-4
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2023)
1
Year
5
Year
10
Year
Seeks a high level of current income
consistent with prudent investment
risk and preservation of capital.
BlackRock Ultra-Short Term Bond
Portfolio — Class E#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.51%
4.90%
1.60%
1.06%
Seeks a high level of current income,
with growth of capital as a
secondary objective.
Brighthouse Asset Allocation 20
Portfolio — Class B#‡
Brighthouse Investment Advisers,
LLC
0.89%
7.83%
3.62%
3.05%
Seeks high total return in the form of
income and growth of capital, with a
greater emphasis on income.
Brighthouse Asset Allocation 40
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.89%
10.52%
5.60%
4.34%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
Brighthouse Asset Allocation 60
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.91%
13.59%
7.72%
5.67%
Seeks growth of capital.
Brighthouse Asset Allocation 80
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.94%
17.30%
9.75%
6.91%
Seeks to provide a growing stream of
income over time and, secondarily,
long-term capital appreciation and
current income.
Brighthouse/Wellington Core Equity
Opportunities
Portfolio — Class A††
Brighthouse Investment Advisers,
LLC
Subadviser: Wellington Management
Company LLP
0.61%
7.66%
13.12%
10.36%
Seeks to provide a growing stream of
income over time and, secondarily,
long-term capital appreciation and
current income.
Brighthouse/Wellington Core Equity
Opportunities Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Wellington Management
Company LLP
0.86%
7.38%
12.84%
10.08%
Seeks to track the performance of
the Standard & Poor’s 500®
Composite Stock Price Index.
MetLife Stock Index
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.51%
25.63%
15.10%
11.47%
Seeks a favorable total return
through investment in a diversified
portfolio.
MFS® Total Return
Portfolio — Class F#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.82%
10.19%
8.31%
6.38%
Seeks capital appreciation.
MFS® Value Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.58%
8.15%
11.55%
8.78%
A-5
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2023)
1
Year
5
Year
10
Year
Seeks high total return, consisting
principally of capital appreciation.
Neuberger Berman Genesis
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Neuberger Berman
Investment Advisers LLC
1.05%
15.20%
12.13%
8.48%
Seeks to maximize total return
consistent with preservation of
capital.
Western Asset Management Strategic
Bond Opportunities
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.56%
9.44%
2.80%
3.01%
Seeks long-term capital appreciation.
Contrafund® Portfolio — Service
Class
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.66%
33.34%
16.54%
11.50%
Seeks to maximize income while
maintaining prospects for capital
appreciation.
Franklin Income VIP
Fund — Class 2#
Franklin Advisers, Inc.
0.71%
8.62%
6.98%
5.01%
Seeks long-term capital growth.
Templeton Foreign VIP
Fund — Class 2#
Templeton Investment Counsel,
LLC
1.07%
20.76%
5.27%
1.28%
Seeks long-term capital appreciation.
ClearBridge Variable Appreciation
Portfolio — Class I
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
0.72%
19.71%
14.07%
10.88%
Seeks dividend income, growth of
dividend income and long-term
capital appreciation.
ClearBridge Variable Dividend
Strategy Portfolio — Class II
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
1.00%
14.01%
13.35%
10.17%
Seeks long-term growth of capital.
ClearBridge Variable Large Cap
Growth Portfolio — Class I††
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
0.76%
44.02%
15.51%
13.27%
Seeks long-term growth of capital as
its primary objective. Current
income is a secondary objective.
ClearBridge Variable Large Cap
Value Portfolio — Class I
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
0.72%
15.09%
13.02%
8.99%
A-6
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2023)
1
Year
5
Year
10
Year
Seeks long-term growth of capital.
ClearBridge Variable Small Cap
Growth Portfolio — Class I
Legg Mason Partners Fund Advisor,
LLC
Subadviser: ClearBridge
Investments, LLC
0.80%
8.40%
9.56%
7.89%
Seeks to maximize total return.
Western Asset Variable Global High
Yield Bond Portfolio — Class I
Legg Mason Partners Fund Advisor,
LLC
Subadvisers: Western Asset
Management Company, LLC;
Western Asset Management
Company Limited; Western Asset
Management Pte. Ltd.
0.83%
10.26%
3.42%
2.89%
#
Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in the Current Expenses. Please see the Investment Portfolios' prospectuses for additional information regarding these arrangements.
*
This Investment Portfolio is managed in a way that is intended to minimize volatility of returns (referred to as a “managed volatility strategy”). See “Principal Risks of Investing in the Contract.”
‡
This Investment Portfolio is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Investment Portfolio invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including the management fee.
††
Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.
A-7
 
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APPENDIX B
Investment Portfolios Available Under the Benefits Offered Under the Contract
If you have elected an optional benefit under the contract, your contract may be subject to investment allocation restrictions, as reflected in the following table. See “Investment Allocation Restrictions for Certain Riders” for more details. If your optional benefit is not included in the table below, your contract is not currently subject to any investment allocation restrictions.  
Optional Benefit
GMIB Plus*
Lifetime Withdrawal Guarantee II*
(LWG II)
Life Withdrawal Guarantee I
(LWG I)
*You may not allocate Purchase Payments to the Standard Dollar Cost Averaging Program if you elect any of these optional benefits. 
Investment Allocation and Other Purchase Payment Restrictions for the GMIB Plus and Lifetime Withdrawal Guarantee II Riders
GMIB Plus and Lifetime Withdrawal Guarantee II. If you elect the GMIB Plus or the Lifetime Withdrawal Guarantee II, you may allocate your Purchase Payments and Account Value according to either Option A or Option B below.
Option A. You must allocate 100% of your Purchase Payments or Account Value among:
 
AB Global Dynamic Allocation Portfolio
BlackRock Global Tactical Strategies Portfolio
BlackRock Ultra-Short Term Bond Portfolio
Brighthouse Asset Allocation 20 Portfolio
Brighthouse Asset Allocation 40 Portfolio
Brighthouse Asset Allocation 60 Portfolio
Brighthouse Asset Allocation 80 Portfolio
Brighthouse Balanced Plus Portfolio
Invesco Balanced-Risk Allocation Portfolio
JPMorgan Global Active Allocation Portfolio
MetLife Multi-Index Targeted Risk Portfolio
PanAgora Global Diversified Risk Portfolio
Schroders Global Multi-Asset Portfolio
OR
Option B. You must allocate at least 15% of Purchase Payments or Account Value to Platform 1 portfolios; up to 85% of Purchase Payments or Account Value to Platform 2 portfolios; up to 15% of Purchase Payments or Account Value to Platform 3 portfolios; and up to 15% of Purchase Payments or Account Value to Platform 4 portfolios.
We will automatically rebalance your allocations quarterly. The investment options in each Platform are: 
Platform 1
Platform 2
A minimum of 15% of Purchase Payments or
A maximum of 85% of Purchase Payments or
BlackRock Bond Income Portfolio
AB Global Dynamic Allocation Portfolio
BlackRock Ultra-Short Term Bond Portfolio
American Funds Global Growth Fund
Brighthouse/Franklin Low Duration Total Return Portfolio
American Funds Growth Fund
PIMCO Inflation Protected Bond Portfolio
American Funds Growth-Income Fund
PIMCO Total Return Portfolio
BlackRock Capital Appreciation Portfolio
Western Asset Management Government Income Portfolio
BlackRock Global Tactical Strategies Portfolio
B-1
Platform 1
Platform 2
A minimum of 15% of Purchase Payments or
Account Value
A maximum of 85% of Purchase Payments or
Account Value
 
Brighthouse Asset Allocation 100 Portfolio
 
Brighthouse Asset Allocation 20 Portfolio
 
Brighthouse Asset Allocation 40 Portfolio
 
Brighthouse Asset Allocation 60 Portfolio
 
Brighthouse Asset Allocation 80 Portfolio
 
Brighthouse Balanced Plus Portfolio
 
Brighthouse/Wellington Core Equity Opportunities
Portfolio
 
Brighthouse/Wellington Large Cap Research Portfolio
 
ClearBridge Variable Appreciation Portfolio
 
ClearBridge Variable Dividend Strategy Portfolio
 
ClearBridge Variable Large Cap Value Portfolio
 
Contrafund® Portfolio
 
Franklin Income VIP Fund
 
Invesco Balanced-Risk Allocation Portfolio
 
Invesco Comstock Portfolio
 
Invesco Global Equity Portfolio
 
JPMorgan Global Active Allocation Portfolio
 
Loomis Sayles Growth Portfolio
 
MetLife Multi-Index Targeted Risk Portfolio
 
MetLife Stock Index Portfolio
 
MFS® Research International Portfolio
 
MFS® Total Return Portfolio
 
MFS® Value Portfolio
 
PanAgora Global Diversified Risk Portfolio
 
Schroders Global Multi-Asset Portfolio
 
T. Rowe Price Large Cap Value Portfolio
 
Templeton Foreign VIP Fund
 
Western Asset Management Strategic Bond Opportunities
Portfolio
 
Western Asset Variable Global High Yield Bond Portfolio
 
Platform 3
Platform 4
A maximum of 15% of Purchase Payments or
A maximum of 15% of Purchase Payments or
Morgan Stanley Discovery Portfolio
Brighthouse/abrdn Emerging Markets Equity Portfolio
Victory Sycamore Mid Cap Value Portfolio
CBRE Global Real Estate Portfolio
 
ClearBridge Variable Small Cap Growth Portfolio
 
Invesco Small Cap Growth Portfolio
 
JPMorgan Small Cap Value Portfolio
 
Neuberger Berman Genesis Portfolio
 
Investment Allocation and Other Purchase Payment Restrictions for Lifetime Withdrawal Guarantee I Rider.
B-2
Lifetime Withdrawal Guarantee I. If you elect the Lifetime Withdrawal Guarantee I rider, you may allocate your Purchase Payments and Account Value among the following Investment Portfolios:
 
AB Global Dynamic Allocation Portfolio
BlackRock Global Tactical Strategies Portfolio
BlackRock Ultra-Short Term Bond Portfolio
Brighthouse Asset Allocation 20 Portfolio
Brighthouse Asset Allocation 40 Portfolio
Brighthouse Asset Allocation 60 Portfolio
Brighthouse Asset Allocation 80 Portfolio
Brighthouse Balanced Plus Portfolio
Invesco Balanced-Risk Allocation Portfolio
JPMorgan Global Active Allocation Portfolio
MetLife Multi-Index Targeted Risk Portfolio
PanAgora Global Diversified Risk Portfolio
Schroders Global Multi-Asset Portfolio
Western Asset Management Government Income Portfolio
B-3
  
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The prospectus, as supplemented, and statement of additional information (“SAI”), dated April 28, 2008, include additional information. The prospectus, as supplemented, and SAI are available, without charge, upon request. For a free copy, call us at (888) 243-1932, or send an email request to rcg@brighthousefinancial.com. You can also access other information about the Contract online at https://dfinview.com/BHF/TAHD/BHF31.
Reports and other information about the Separate Account are available on the SEC’s website at https://www.sec.gov/ and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.
The Financial Industry Regulatory Authority (“FINRA”) provides background information about broker-dealers and their registered representatives through FINRA BrokerCheck. You may contact the FINRA BrokerCheck Hotline at 1-800-289-9999, or log on to www.finra.org. An investor brochure that includes information describing FINRA BrokerCheck is available through the Hotline or on-line.
We are not a fiduciary and do not give advice or make recommendations regarding insurance or investment products. Ask your financial representative for guidance regarding any requests or elections and for information about your particular investment needs. Please bear in mind that your financial representative, or any financial firm or financial professional you consult to provide advice, is acting on your behalf. We are not a party to any agreement between you and your financial professional. We do not recommend and are not responsible for any securities transactions or investment strategies involving securities (including account recommendations).
EDGAR Contract Identifier No. is C000014071