A.M. Best A rated · 3 products
Brighthouse Financial Annuities — A Rated
Brighthouse Financial is an A.M. Best A-rated annuity carrier. The current lineup includes 3 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A
A.M. Best
Annuity products
3
3 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 1 FIA product page, 2 MYGA product pages
- Product families
- SecureKey 10-Year, Brighthouse Fixed Rate Annuity
- Rider fields
- ReadyPay GLWB on SecureKey 10-Year
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About Brighthouse Financial
Overview: Brighthouse Financial became an independent company after its 2017 separation from MetLife and remains a major U.S. annuity and life insurer. The current annuity lineup here is narrower than Brighthouse's broader national brand: one income-oriented FIA and two fixed-rate MYGAs. A pending Aquarian Capital acquisition has been approved by Brighthouse stockholders, with closing still subject to customary conditions and regulatory approvals.
Product lineup: Brighthouse SecureKey 10-Year is the FIA entry and should be read as an income-rider product, not as a simple cap-rate chase. The MYGA side is the cleaner rate comparison: Brighthouse Fixed Rate Annuity and Brighthouse Fixed Rate Annuity with MVA. The MVA version can pay more, but the market-value adjustment matters if money comes out early.
Notable live products: Current rate data shows Brighthouse Fixed Rate Annuity with MVA at 5.40% and Brighthouse Fixed Rate Annuity at 5.25%. SecureKey 10-Year appears in the income-rider comparison rows with a 6.00% withdrawal-rate signal, which should be compared with rider terms, single-versus-joint assumptions, and the 10-year surrender period rather than treated like a fixed MYGA yield.
Who it may fit: Brighthouse may fit buyers who want an established A-rated insurer and are choosing between a straightforward fixed-rate contract and an income-oriented indexed annuity. It is less ideal for buyers who want a large menu of accumulation FIAs in this product set, or who are uncomfortable with the pending ownership change until the Aquarian transaction is completed.
Financial Strength In Plain English
The live rating data shows A.M. Best A for Brighthouse Financial. Brighthouse's own ratings materials list AM Best A/Excellent along with Moody's A3, Fitch A-, and S&P A for its main operating companies. In plain English, A is a strong claims-paying category, but the pending Aquarian transaction is worth noting separately because ownership can matter to how buyers think about long-term stewardship even when policy guarantees remain obligations of the issuing insurer.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Brighthouse SecureKey 10 Year
A ten-year-surrender fixed indexed annuity from an A-rated Brighthouse with an optional ReadyPay GLWB lifetime-income rider built on a simple-interest income-base roll-up, for buyers who want a contractually guaranteed income stream and are willing to pay the rider fee through a ten-year deferral.
Open product pageBrighthouse Fixed Rate Annuity
A 3/5/7-year multi-year guaranteed annuity from an A-rated Brighthouse, with an annual free-withdrawal allowance and a tiered rate uplift at the higher premium band, available in 50 jurisdictions outside New York.
Open product pageBrighthouse Fixed Rate Annuity With MVA
A 3/5/7-year multi-year guaranteed annuity from an A-rated Brighthouse with a market-value adjustment on early surrender in exchange for higher guaranteed rates than the carrier's non-MVA fixed-rate filing.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
SecureKey 10-Year
Income-rider FIA
Open the product page for the ReadyPay GLWB rider fee, income-base roll-up, state availability, and indexed strategy rows.
MYGA Products
Fixed Rate Annuity
Non-MVA fixed-rate contract
Use this product detail when the buyer wants the fixed-rate term menu without market-value-adjustment exposure on early surrender.
Fixed Rate Annuity with MVA
Higher-rate MVA variant
Compare the higher declared rate against the possible positive or negative MVA adjustment if the contract is surrendered early.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A001SE
Brighthouse SecureKey 10 Year
- Coverage
- ARHQ product page
- Current rate
- Available
A0000A
Brighthouse Fixed Rate Annuity
- Coverage
- ARHQ product page
- Current rate
- Available
A0005T
Brighthouse Fixed Rate Annuity With MVA
- Coverage
- ARHQ product page
- Current rate
- Available
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
SecureKey 10-Year is the only Brighthouse FIA page currently attached here, and it should be read with the ReadyPay rider fields visible.
The two Brighthouse MYGA pages share a fixed-rate family name, but the MVA version carries a different early-surrender mechanic and should stay separate.
No Brighthouse NY-only mirror filing is currently attached to this carrier profile.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Brighthouse Financial Product Families
Product-list pages carry the full tables, filters, and detail links.
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