The Variable Annuity Contract
issued by
Brighthouse Life Insurance Company
and
Brighthouse Separate Account A
 
Series O (offered on and after July 20, 2015)
 
Disclosure Notice
April 28, 2025
A flexible premium deferred variable annuity contract
 
This Disclosure Notice provides certain updated information about your Series O (offered on and after July 20, 2015) Variable Annuity Contract (the “Contract” or “contract”), a flexible premium deferred 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/BHF223. The Contract prospectus, dated May 1, 2017, 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
5
A-1
B-1
2
Special Terms
Account Value. The sum of your interests in the Investment Portfolios and the Fixed Account, 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.
Fixed Account. The Fixed Account is part of our general account and offers an interest rate that is guaranteed by us. Our general account consists of all assets owned by us other than those in the Separate Account and our other separate accounts .
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 Separate Account A 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 Disclosure Notice dated April 29, 2024. This does not reflect all of the changes that have occurred since you entered into your Contract.
Changes Affecting the Investment Portfolios
Portfolio Name Changes. Certain Investment Portfolios were subject to a name change. The chart below identifies the former name and new name of the Investment Portfolios. 
Former Name
New Name
Brighthouse Funds Trust I
Brighthouse Funds Trust I
American Funds® Growth Allocation Portfolio
Brighthouse/abrdn Emerging Markets Equity Portfolio
American Funds® Aggressive Allocation Portfolio
SSGA Emerging Markets Enhanced Index Portfolio II*
*The effective date of this name change was August 19, 2024.
Portfolio Merger. The following Former Investment Portfolio was merged with and into the New Investment Portfolio. 
Brighthouse Funds Trust I
Brighthouse Funds Trust I
SSGA Emerging Markets Enhanced Index Portfolio II
SSGA Emerging Markets Enhanced Index Portfolio
Portfolio Addition. As a result of the merger described above, the SSGA Emerging Markets Enhanced Index Portfolio has been added to the Contract.
Portfolio Liquidation. Effective December 6, 2024, the Global Infrastructure Portfolio of the Morgan Stanley Variable Insurance Fund, Inc. was liquidated and is no longer available under the Contract.
•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
3
American Funds Global Small Capitalization Fund
American Funds Growth Fund
Baillie Gifford International Stock Portfolio
BlackRock Global Allocation V.I. Fund
BlackRock High Yield Portfolio
Brighthouse Small Cap Value Portfolio
Brighthouse/Artisan International Portfolio
Brighthouse/Dimensional International Small Company Portfolio
Brighthouse/Eaton Vance Floating Rate Portfolio
CBRE Global Real Estate Portfolio
Harris Oakmark International Portfolio
Invesco Global Equity Portfolio
Invesco Small Cap Growth Portfolio
JPMorgan Small Cap Value Portfolio
Loomis Sayles Global Allocation Portfolio
Loomis Sayles Small Cap Growth Portfolio
MetLife MSCI EAFE® Index Portfolio
MetLife Russell 2000® Index Portfolio
MFS® Research International Portfolio
Neuberger Berman Genesis Portfolio
SSGA Emerging Markets Enhanced Index Portfolio
T. Rowe Price Small Cap Growth Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
4
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 7 full Contract Years following a
premium payment, you may be assessed a withdrawal charge of up to 5% of
the premium 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 $5,000 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: sales charge and transfers of cash value between investment
options, which include the Investment Portfolios and the Fixed Account.
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.
Sales Charge. We impose a sales charge for each Purchase Payment. It is
determined by multiplying the Purchase Payment by the applicable sales
charge percentage (up to 5.00%, as a percentage of your cumulative Purchase
Payments ). The sales charge for each Purchase Payment is deducted in
installments over 7 years (1/7 of the charge each year) on the Contract
anniversary.
Fee Table and
Examples
 
Expenses –
Sales Charge;
Transfer Fee
5
 
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
0.92%
0.92%
Investment options
(Portfolio Company fees and
expenses)2
0.58%
1.22%
Optional benefits available for
an additional charge (for a
single optional benefit, if
elected)
0.20%3
1.20%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 optional benefit base, 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
$1,854
Highest Annual Cost
$3,276
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive Portfolio Company fees
and expenses
●No optional benefits
●Sales charge on Purchase Payment
●No withdrawal charges
●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
●Sales charge on Purchase
●No withdrawal charges
●No additional Purchase
Payments, transfers, or
withdrawals
6
 
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 7 full Contract Years following a
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, including the Fixed Account, has its own unique
risks.
●You should review the prospectuses for the available funds and the
prospectus disclosure concerning the Fixed Account 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 (including under the Fixed Account), 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.
The Annuity
Contract
 
Other
Information –
The Separate
Account
 
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)
7
 
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 –
Selling Firms
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
8
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/PUFT/BHF223. You can also request this information at no cost by calling (888) 243-1932 or sending an email request to rcg@brighthousefinancial.com. Depending on the optional benefits you choose, you may not be able to invest in certain Investment Portfolios. See Appendix B: Investment Portfolios Available Under the Benefits Offered Under the Contract.
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 12/31/2024)
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%
13.68%
9.76%
10.74%
Seeks long-term growth of capital.
American Funds Global Small
Capitalization Fund — Class 2#
Capital Research and Management
CompanySM
0.90%
2.33%
3.01%
5.81%
Seeks growth of capital.
American Funds Growth
Fund — Class 2
Capital Research and Management
CompanySM
0.59%
31.61%
18.83%
16.58%
Seeks high total investment return.
BlackRock Global Allocation V.I.
Fund — Class III#
BlackRock Advisors, LLC
Subadviser: BlackRock (Singapore)
Limited
1.01%
8.93%
5.72%
5.32%
Seeks capital appreciation and
current income.
AB Global Dynamic Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: AllianceBernstein L.P.
0.91%
7.31%
2.02%
3.69%
Seeks long-term capital appreciation.
Allspring Mid Cap Value
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Allspring Global
Investments, LLC
0.99%
11.86%
8.95%
7.47%
Seeks growth of capital.
American Funds® Aggressive
Allocation Portfolio — Class C‡
Brighthouse Investment Advisers,
LLC
0.99%
14.57%
8.76%
8.81%
Seeks a balance between a high level
of current income and growth of
capital, with a greater emphasis on
growth of capital.
American Funds® Balanced
Allocation Portfolio — Class C‡
Brighthouse Investment Advisers,
LLC
0.96%
11.60%
7.00%
7.21%
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 a high total return in the form
of income and growth of capital,
with a greater emphasis on income.
American Funds® Moderate
Allocation Portfolio — Class C‡
Brighthouse Investment Advisers,
LLC
0.94%
9.12%
5.44%
5.78%
Seeks capital appreciation and
current income.
BlackRock Global Tactical Strategies
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Financial
Management, Inc.
0.93%
5.80%
2.18%
3.96%
Seeks to maximize total return,
consistent with income generation
and prudent investment
management.
BlackRock High Yield
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Financial
Management, Inc.
0.88%
8.19%
4.40%
5.01%
Seeks growth of capital.
Brighthouse Asset Allocation 100
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.98%
13.39%
8.97%
8.74%
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
1.00%
3.76%
1.41%
4.21%
Seeks long-term capital appreciation.
Brighthouse Small Cap Value
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Allspring Global
Investments, LLC
1.08%
8.10%
7.00%
7.82%
Seeks maximum long-term capital
growth.
Brighthouse/Artisan International
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Artisan Partners Limited
Partnership
1.04%
10.53%
3.53%
4.70%
Seeks a high level of current income.
Brighthouse/Eaton Vance Floating
Rate Portfolio — Class B
Brighthouse Investment Advisers,
LLC
Subadviser: Eaton Vance
Management
0.95%
7.70%
4.40%
4.11%
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%
4.69%
1.52%
1.64%
A-2
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 long-term capital appreciation.
Brighthouse/Wellington Large Cap
Research Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Wellington Management
Company LLP
0.79%
21.31%
13.22%
12.18%
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%
0.40%
1.62%
3.13%
Seeks long-term capital appreciation.
Harris Oakmark International
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Harris Associates L.P.
0.97%
-4.96%
1.60%
3.28%
Seeks total return.
Invesco Balanced-Risk Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.94%
4.00%
3.21%
4.05%
Seeks capital growth and income.
Invesco Comstock
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.82%
14.73%
11.42%
9.39%
Seeks capital appreciation.
Invesco Global Equity
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
0.83%
16.15%
9.43%
9.82%
Seeks long-term growth of capital.
Invesco Small Cap Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Invesco Advisers, Inc.
1.07%
16.33%
7.19%
8.20%
Seeks to maximize total return.
JPMorgan Core Bond
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.70%
2.05%
-0.01%
1.39%
Seeks capital appreciation and
current income.
JPMorgan Global Active Allocation
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
0.99%
5.29%
3.37%
4.49%
A-3
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 long-term capital growth.
JPMorgan Small Cap Value
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: J.P. Morgan Investment
Management Inc.
1.02%
9.01%
8.45%
6.74%
Seeks high total investment return
through a combination of capital
appreciation and income.
Loomis Sayles Global Allocation
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
1.04%
12.30%
6.66%
8.07%
Seeks long-term growth of capital.
Loomis Sayles Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
0.80%
34.13%
18.04%
11.87%
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%
7.48%
2.45%
4.27%
Seeks capital appreciation.
MFS® Research International
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.89%
2.95%
3.87%
5.23%
Seeks capital appreciation.
Morgan Stanley Discovery
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Morgan Stanley
Investment Management Inc.
0.91%
38.93%
10.62%
12.02%
Seeks total return.
PanAgora Global Diversified Risk
Portfolio — Class B#*
Brighthouse Investment Advisers,
LLC
Subadviser: PanAgora Asset
Management, Inc.
0.97%
4.11%
-0.72%
2.55%
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
1.06%
2.12%
1.85%
2.00%
A-4
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 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
0.84%
2.43%
-0.14%
1.43%
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%
9.70%
2.76%
4.20%
Seeks to provide total return,
primarily through capital
appreciation.
SSGA Emerging Markets Enhanced
Index Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc
0.91%
11.13%
2.76%
 — 
Seeks growth of capital and income.
SSGA Growth and Income ETF
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc.
0.73%
10.80%
5.88%
5.98%
Seeks growth of capital.
SSGA Growth ETF
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
Subadviser: SSGA Funds
Management, Inc.
0.75%
12.72%
7.41%
7.15%
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%
11.11%
8.41%
8.45%
Seeks to maximize total return
consistent with the preservation of
capital.
TCW Core Fixed Income
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: TCW Investment
Management Company LLC
0.72%
0.71%
-0.39%
 — 
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%
9.78%
10.75%
8.31%
A-5
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 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
0.73%
0.22%
-1.18%
0.55%
Seeks long-term growth of capital.
Baillie Gifford International Stock
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Baillie Gifford Overseas
Limited
0.98%
4.36%
1.91%
5.27%
Seeks a competitive total return
primarily from investing in fixed-
income securities.
BlackRock Bond Income
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.64%
1.24%
-0.30%
1.40%
Seeks long-term growth of capital.
BlackRock Capital Appreciation
Portfolio — Class A#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.56%
31.99%
16.00%
15.07%
Seeks a high level of current income
consistent with prudent investment
risk and preservation of capital.
BlackRock Ultra-Short Term Bond
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: BlackRock Advisors,
LLC
0.62%
4.83%
2.09%
1.46%
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
0.91%
3.85%
2.11%
2.99%
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
0.90%
5.83%
3.75%
4.43%
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%
7.96%
5.57%
5.96%
Seeks growth of capital.
Brighthouse Asset Allocation 80
Portfolio — Class B‡
Brighthouse Investment Advisers,
LLC
0.94%
10.80%
7.35%
7.46%
Seeks long-term capital appreciation.
Brighthouse/Dimensional
International Small Company
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Dimensional Fund
Advisors LP
1.02%
3.08%
3.59%
5.46%
A-6
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 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
0.62%
8.61%
8.97%
10.16%
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 E#
Brighthouse Investment Advisers,
LLC
Subadviser: Wellington Management
Company LLP
0.77%
8.46%
8.81%
9.99%
Seeks long-term growth of capital.
Jennison Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Jennison Associates LLC
0.79%
30.00%
17.24%
16.08%
Seeks long-term capital growth.
Loomis Sayles Small Cap Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Loomis, Sayles &
Company, L.P.
1.13%
14.63%
7.66%
9.60%
Seeks to track the performance of
the Bloomberg U.S. Aggregate Bond
Index.
MetLife Aggregate Bond Index
Portfolio — Class G#
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.57%
0.61%
-0.90%
0.79%
Seeks to track the performance of
the Standard & Poor’s MidCap
400® Composite Stock Price Index.
MetLife Mid Cap Stock Index
Portfolio — Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.60%
13.28%
9.72%
9.08%
Seeks to track the performance of
the MSCI EAFE® Index.
MetLife MSCI EAFE® Index
Portfolio — Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.68%
2.92%
4.15%
4.73%
Seeks to track the performance of
the Russell 2000® Index.
MetLife Russell 2000® Index
Portfolio — Class G
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.61%
10.87%
6.94%
7.45%
Seeks to track the performance of
the Standard & Poor’s 500®
Composite Stock Price Index.
MetLife Stock Index
Portfolio — Class G#
Brighthouse Investment Advisers,
LLC
Subadviser: MetLife Investment
Management, LLC
0.56%
24.31%
13.89%
12.49%
A-7
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 a favorable total return
through investment in a diversified
portfolio.
MFS® Total Return
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.87%
7.52%
5.89%
6.24%
Seeks capital appreciation.
MFS® Value Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Massachusetts Financial
Services Company
0.83%
11.66%
7.96%
8.61%
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
1.06%
8.81%
8.31%
9.43%
Seeks long-term growth of capital.
T. Rowe Price Large Cap Growth
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.81%
29.98%
13.12%
13.61%
Seeks long-term capital growth.
T. Rowe Price Small Cap Growth
Portfolio — Class G
Brighthouse Investment Advisers,
LLC
Subadviser: T. Rowe Price
Associates, Inc.
0.81%
13.07%
7.99%
9.74%
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%
4.88%
1.01%
2.95%
Seeks to maximize total return
consistent with preservation of
capital.
Western Asset Management Strategic
Bond Opportunities
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.81%
4.57%
0.75%
2.69%
Seeks to maximize total return
consistent with preservation of
capital and maintenance of liquidity.
Western Asset Management
U.S. Government
Portfolio — Class B#
Brighthouse Investment Advisers,
LLC
Subadviser: Western Asset
Management Company LLC
0.75%
2.09%
-0.01%
0.93%
#
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 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.
A-8
*
This Investment Portfolio is managed in a way that is intended to minimize volatility of returns (referred to as a “managed volatility strategy”). See “Investment Options” section in the prospectus.
††
Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.
A-9
 
This page intentionally left blank.
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
FlexChoice Level GLWB
You may not allocate Purchase Payments to the Standard Dollar Cost Averaging Program if you elect any of these optional benefits.  
FlexChoice Level GLWB (available for purchase on and after July 20, 2015). For contracts issued with FlexChoice GLWB, you must allocate a minimum of 80% of your investments to Platform 1 and you may allocate a maximum of 20% of your investment to Platform 2 below. You select the amount to invest (by percentage) in the funds under the contract, but the amount of Purchase Payments or Account Value that you allocate to the groups identified below must comply with the specified minimums or maximums percentages for those groups.  
Platform 1
Platform 2
A minimum of 80% of your Purchase Payments
A maximum of 20% of Purchase Payments or
AB Global Dynamic Allocation Portfolio
American Funds® Balanced Allocation Portfolio
BlackRock Global Tactical Strategies Portfolio
American Funds® Moderate Allocation Portfolio
Brighthouse Balanced Plus Portfolio
Brighthouse Asset Allocation 20 Portfolio
Invesco Balanced-Risk Allocation Portfolio
Brighthouse Asset Allocation 40 Portfolio
JPMorgan Global Active Allocation Portfolio
Brighthouse Asset Allocation 60 Portfolio
MetLife Aggregate Bond Index Portfolio
SSGA Growth and Income ETF Portfolio
MetLife Multi-Index Targeted Risk Portfolio
 
PanAgora Global Diversified Risk Portfolio
 
Schroders Global Multi-Asset Portfolio
 
Western Asset Management Government Income Portfolio
 
B-1
 
The prospectus, as supplemented, and statement of additional information (“SAI”), dated May 1, 2017, 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/PUFT/BHF223.
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 C000158269