Group Flexible Payment Variable Annuity Contract
issued by
Brighthouse Life Insurance Company
and
Brighthouse Separate Account A
 
Sunshine Plan 236
 
Disclosure Notice
April 28, 2025
A group flexible payment variable annuity contract
 
This Disclosure Notice provides certain updated information about your Sunshine Plan 236 Variable Annuity Contract (the “Contract”), a group flexible payment variable annuity contract issued by Brighthouse Life Insurance Company (“BLIC”, the “Company”, or “we” or “us”). The Contract is no longer available for purchase.
Updated financial statements for BLIC and Brighthouse Separate Account A (the “Separate Account”) are available, free of charge at https://dfinview.com/BHF/PUFT/BHF197. The Contract prospectus, dated May 2, 2002, 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 (833) 208-3018 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
4
A-1
2
Glossary
Certificate – The form which describes your rights under the Contract. No Certificates are issued for certain deferred compensation or qualified corporate retirement plans. Unless the context provides otherwise, references to the Contract also refer to Certificates.
Fund (or Portfolio Company) – A diversified, open-end management investment company, or series thereof, registered under the Investment Company Act of 1940, which serves as the underlying investment medium for a Series in the Separate Account.
Monitored Portfolios – Certain Funds on which we monitor transfer activity. We may change the Monitored Portfolios at any time without notice in our sole discretion.
Participant – You, the person who makes Purchase Payments, or the person for whom Purchase Payments are made.
Participant’s Account (or Account) – The sum of your interest in each Series of the Separate Account.
Plan – The 403(b) plan, deferred compensation plan, qualified retirement plan, or individual retirement annuity to which the Contract is issued.
Purchase Payment – The amounts paid by or for you in order to provide benefits under the Contract.
Separate Account – The segregated asset account entitled “Brighthouse Separate Account A.”
Series – A subdivision of the Separate Account. Each Series invests in a single underlying Fund.
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 April 29, 2024. This does not reflect all of the changes that have occurred since you entered into your Contract.
Changes Affecting the Funds
Fund Name Change. The name of the Asset Manager Portfolio of Fidelity® Variable Insurance Products was changed to the Asset Manager 50% Portfolio.
Transfers
• Monitored Portfolios. We monitor transfer activity in the following Funds for purposes of imposing our restrictions on frequent transfers:
Janus Henderson Global Research Portfolio
Neuberger Berman Genesis Fund
T. Rowe Price International Stock Fund
3
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 5 years following a Purchase
Payment, you may be assessed a surrender charge of 7% of the Purchase
Payment withdrawn.
For example, if you make an early withdrawal, you could pay a surrender
charge of up to $7,000 on a $100,000 investment.
Fee Tables
 
Contract
Charges –
Surrender
Charge
Transaction
Charges
In addition to charges for early withdrawals, you may also be charged for
other transactions. For example, we may deduct a charge for state premium
taxes upon annuitization of the Contract.
Fee Tables
 
Contract
Charges –
Premium
Taxes
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 Tables
 
Contract
Charges –
Mortality and
Expense Risk
Charge
 
Appendix A:
Available
Under the
Contract
(located in this
Disclosure
Notice)
Annual Fee
Minimum
Maximum
Base Contract1
1.03%
1.03%
Fund options
(Portfolio Company fees and
expenses)2
0.09%
1.09%
Optional benefits available for
an additional charge
None
None
1 As a percentage of average Participant’s Account value in the Separate Account.
2 As a percentage of Fund assets before temporary expense reimbursements and/or fee waivers.
 
 
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 surrender charges that
substantially increase costs.
 
Lowest Annual Cost
$941
Highest Annual Cost
$2,925
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive Fund fees and expenses
●No additional Purchase Payments,
transfers, or withdrawals
●Investment of $100,000
●5% annual appreciation
●Most expensive Fund fees
and expenses
●No additional Purchase
Payments, transfers, or
withdrawals
4
 
Risks
Location in
Prospectus
Risk of Loss
You can lose money by investing in the Contract, including loss of principal.
Description of
The Insurance
Company, The
Separate
Account and
The Funds –
The Funds
Not a Short-Term
Investment
●The Contract is not a short-term investment and is not appropriate for an
investor who needs ready access to cash.
●Surrender charges may apply for the first 5 years following a Purchase
Payment. Surrender charges will reduce the value of your Contract if you
withdraw money during that time period.
●The benefits of tax deferral also mean the Contract is more beneficial to
investors with a long time horizon.
Description of
the Contracts
Risks Associated
with Investment
Options
●An investment in the 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., the Funds).
●Each investment option has its own unique risks.
●You should review the prospectuses for the available Funds before making
an investment decision.
Description of
The Insurance
Company, The
Separate
Account and
The Funds –
The Funds
Insurance
Company Risks
An investment in the Contract is subject to the risks related to us. 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 BLIC, including our financial strength ratings, is available
by contacting us at (888) 243-1968.
Description of
The Insurance
Company, The
Separate
Account and
The Funds –
The Insurance
Company
 
Restrictions
 
Investments
●The minimum transfer amount from a Series is $500.
●We reserve the right to limit transfers in circumstances of frequent or large
transfers.
●We reserve the right to remove or substitute the Funds available as
investment options under the Contract.
●Your Plan may limit your available Funds.
Description of
The Insurance
Company, The
Separate
Account and
The Funds
 
Description of
the
Contracts –
Transfers
 
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
5
 
Conflicts of Interest
Location in
Prospectus
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.
Description of
The Insurance
Company, The
Separate
Account and
The Funds
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.
Description of
The Insurance
Company, The
Separate
Account and
The Funds
6
APPENDIX A
Funds Available Under the Contract
The following is a list of Funds under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/PUFT/BHF197. You can also request this information at no cost by calling (833) 208-3018 or sending an email request to rcg@brighthousefinancial.com.
The current expenses and performance information below reflects fees and expenses of the Funds, 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 Fund’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 12/31/2024)
1
Year
5
Year
10
Year
Seeks to track the performance of
the Standard & Poor’s 500®
Composite Stock Price Index.
MetLife Stock Index
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.26%
24.67%
14.23%
12.82%
Seeks a favorable total return
through investment in a diversified
portfolio.
MFS® Total Return
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.62%
7.78%
6.16%
6.51%
Seeks to obtain high total return
with reduced risk over the long term
by allocating its assets among stocks,
bonds, and short-term instruments.
Asset Manager 50%
Portfolio — Initial Class††
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.52%
8.50%
5.65%
5.66%
Seeks long-term capital appreciation.
Contrafund® Portfolio — Initial
Class
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.56%
33.79%
17.04%
13.62%
Seeks to achieve capital
appreciation.
Growth Portfolio — Initial Class
Fidelity Management & Research
Company LLC
Subadviser: FMR UK, FMR HK, and
FMR Japan
0.56%
30.39%
18.93%
16.63%
Seeks investment results that
correspond to the total return of
common stocks publicly traded in
the United States, as represented by
the S&P 500® Index.
Index 500 Portfolio — Initial
Class††
Fidelity Management & Research
Company LLC
Subadviser: Geode Capital
Management, LLC
0.09%
24.90%
14.40%
12.99%
Seeks long-term growth of capital.
Janus Henderson Global Research
Portfolio — Institutional Shares
Janus Henderson Investors US LLC
0.72%
23.58%
12.35%
10.55%
A-1
Investment Objectives
Portfolio Company and
Adviser/Sub-Adviser
Current
Expenses
Average Annual
Total Returns
(as of 12/31/2024)
1
Year
5
Year
10
Year
Seeks growth of capital.
Neuberger Berman Genesis
Fund — Trust Class
Neuberger Berman Investment
Advisers LLC
1.09%
15.48%
12.15%
8.46%
Seeks long-term capital growth
through investments in stocks.
T. Rowe Price Growth Stock
Fund — Investor Class
T. Rowe Price Associates, Inc.
0.65%
29.59%
13.12%
13.67%
Seeks long-term growth of capital
through investments primarily in the
common stocks of established, non-
U.S. companies.
T. Rowe Price International Stock
Fund — Investor Class
T. Rowe Price Associates, Inc.
Subadviser: T. Rowe Price
International Ltd
0.83%
3.44%
3.37%
5.39%
#
These Funds and their investment advisers have entered into temporary expense reimbursements and/or fee waivers, which are reflected in the Current Expenses. Please see the Funds' prospectuses for additional information regarding these arrangements.
††
Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.
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The prospectus, as supplemented, and statement of additional information (“SAI”), dated May 2, 2002, include additional information. The prospectus, as supplemented, and SAI are available, without charge, upon request. For a free copy, call us at (833) 208-3018, or send an email request to rcg@brighthousefinancial.com. You can also access other information about the Contract online at https://dfinview.com/BHF/PUFT/BHF197.
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 C000151876