BRIGHTHOUSE LIFE INSURANCE COMPANY
BRIGHTHOUSE VARIABLE ANNUITY ACCOUNT C
SUPPLEMENT DATED APRIL 29, 2024
TO
PROSPECTUS DATED MAY 1, 1998
(SPDA)
This Supplement revises information contained in the prospectus dated May 1, 1998 (as supplemented) for the Individual Single Purchase Payment Deferred Variable Annuity contract issued by Brighthouse Life Insurance Company (“BLIC” “we,” “us,” or “our”). This Supplement should be read and kept together with your contract prospectus for future reference.
The corresponding sections of the prospectus are modified as follows:
FEE TABLES AND EXAMPLES
The next table shows the minimum and maximum total operating expenses charged by the investment portfolios that you may pay periodically during the time that you own the contract. Certain investment portfolios may impose a redemption fee in the future. More detail concerning each investment portfolio’s fees and expenses is contained in the prospectuses for the investment portfolios and in the following tables.
Minimum and Maximum Total Annual Funding Option Operating Expenses 
 
Minimum
Maximum
Total Annual Funding Option Operating Expenses
 
 
(expenses that are deducted from Funding Option assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses)
0.39%
0.87%
Funding Option Fees and Expenses as of December 31, 2023
(as a percentage of average daily net assets)
The following table is a summary. For more complete information on Funding Option fees and expenses, please refer to the prospectus for each Funding Option. 
Funding Option
Management
Fee
Distribution
and/or
Service
(12b-1) Fees
Other
Expenses
Acquired
Fund Fees
and
Expenses
Total
Annual
Operating
Expenses
Fee Waiver
and/or
Expense
Reimbursement
Net Total
Annual
Operating
Expenses
Brighthouse Funds Trust I — Class A
 
 
 
 
 
 
 
MFS® Research International Portfolio
0.71%
 — 
0.05%
 — 
0.76%
0.11%
0.65%
Morgan Stanley Discovery Portfolio
0.65%
 — 
0.04%
 — 
0.69%
0.02%
0.67%
PIMCO Total Return Portfolio
0.48%
 — 
0.09%
 — 
0.57%
0.02%
0.55%
T. Rowe Price Large Cap Value Portfolio
0.57%
 — 
0.02%
 — 
0.59%
0.06%
0.53%
Victory Sycamore Mid Cap Value
Portfolio
0.65%
 — 
0.04%
 — 
0.69%
0.09%
0.60%
Brighthouse Funds Trust II — Class A
 
 
 
 
 
 
 
BlackRock Ultra-Short Term Bond
Portfolio
0.35%
 — 
0.04%
 — 
0.39%
0.03%
0.36%
Brighthouse/Wellington Core Equity
Opportunities Portfolio
0.72%
 — 
0.01%
 — 
0.73%
0.12%
0.61%
Neuberger Berman Genesis Portfolio
0.83%
 — 
0.04%
 — 
0.87%
0.07%
0.80%
Western Asset Management Strategic
Bond Opportunities Portfolio
0.57%
 — 
0.04%
 — 
0.61%
0.05%
0.56%
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The information shown in the table above was provided by the Funding Options. Certain Funding Options and their investment adviser have entered into expense reimbursement and/or fee waiver arrangements that will continue at least until April 28, 2025. These arrangements can be terminated with respect to these Funding Options only with the approval of the Funding Option's board of directors or trustees. Please see the Funding Options’ prospectuses for additional information regarding these arrangements.
INVESTMENT OPTIONS
The contract offers the investment portfolios which are listed below. Appendix B contains a summary of subadvisers and investment objectives for each portfolio. Additional investment portfolios may be available in the future.
You should read the prospectuses for these funds carefully before investing. You can obtain copies of the fund prospectuses by calling or writing to us at: Brighthouse Life Insurance Company, Annuity Service Office, P.O. Box 4301, Clinton, IA 52733-4301, (888) 243-1932. You can also obtain information about the funds (including a copy of the Statement of Additional Information) by accessing the Securities and Exchange Commission’s website at http://www.sec.gov/.
We do not provide any investment advice and do not recommend or endorse any particular investment portfolio. You bear the risk of any decline in the value of your contract resulting from the performance of the investment portfolios you have chosen.
Brighthouse Funds Trust I  — Class A
Brighthouse Funds Trust I is a mutual fund with multiple portfolios. Brighthouse Investment Advisers, LLC (Brighthouse Investment Advisers) is the investment manager of Brighthouse Funds Trust I. Brighthouse Investment Advisers has engaged subadvisers to provide investment advice for the individual Investment Portfolios. (See Appendix B for the names of the subadvisers.) The following portfolios are available under the contract:
MFS® Research International Portfolio
Morgan Stanley Discovery Portfolio
PIMCO Total Return Portfolio
T. Rowe Price Large Cap Value Portfolio
Victory Sycamore Mid Cap Value Portfolio
Brighthouse Funds Trust II — Class A
Brighthouse Funds Trust II is a mutual fund with multiple portfolios. Brighthouse Investment Advisers is the investment adviser to the portfolios. Brighthouse Investment Advisers has engaged subadvisers to provide
investment advice for the individual Investment Portfolios. (See Appendix B for the names of the subadvisers.) The following portfolios are available under the contract:
BlackRock Ultra-Short Term Bond Portfolio
Brighthouse/Wellington Core Equity Opportunities Portfolio
Neuberger Berman Genesis Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
Transfers
We monitor transfer activity in the following “Monitored Portfolios” for purposes of imposing our restrictions on frequent transfers.
MFS® Research International Portfolio
Neuberger Berman Genesis Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
OTHER INFORMATION
Requests and Elections
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).
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
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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 BLIC 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 invest, and it is possible the funds underlying your contract could lose value. There can be no assurance 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.
Distributor
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
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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.
Financial Statements
The financial statements of the Separate Account are attached. Upon request, the financial statements of BLIC will be sent to you without charge.
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APPENDIX B
PARTICIPATING INVESTMENT PORTFOLIOS
INVESTMENT OBJECTIVES
Below is a listing of the investment advisers and subadvisers, if any, and the investment objectives of each investment portfolio available under the contract. The fund prospectuses contain more complete information including a description of the investment objectives, policies, restrictions and risks. THERE CAN BE NO ASSURANCE THAT THE INVESTMENT OBJECTIVES WILL BE ACHIEVED.  
Funding Option
Investment Objective
Investment Adviser/Subadviser
Brighthouse Funds Trust I
 — Class A
 
 
MFS® Research International Portfolio
Seeks capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company
Morgan Stanley Discovery Portfolio
Seeks capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Morgan Stanley Investment
Management Inc.
PIMCO Total Return Portfolio
Seeks maximum total return, consistent with
the preservation of capital and prudent
investment management.
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management
Company LLC
T. Rowe Price Large Cap Value Portfolio
Seeks long-term capital appreciation by
investing in common stocks believed to be
undervalued. Income is a secondary
objective.
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc.
Victory Sycamore Mid Cap Value
Portfolio
Seeks high total return by investing in equity
securities of mid-sized companies.
Brighthouse Investment Advisers, LLC
Subadviser: Victory Capital Management
Inc.
Brighthouse Funds Trust
II — Class A
 
 
BlackRock Ultra-Short Term Bond
Portfolio
Seeks a high level of current income
consistent with prudent investment risk and
preservation of capital.
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
Brighthouse/Wellington Core Equity
Opportunities Portfolio
Seeks to provide a growing stream of income
over time and, secondarily, long-term capital
appreciation and current income.
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management
Company LLP
Neuberger Berman Genesis Portfolio
Seeks high total return, consisting principally
of capital appreciation.
Brighthouse Investment Advisers, LLC
Subadviser: Neuberger Berman Investment
Advisers LLC
Western Asset Management Strategic Bond
Opportunities Portfolio
Seeks to maximize total return consistent
with preservation of capital.
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management
Company LLC
B-1