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Fixed Indexed Annuity

Brighthouse SecureKey 10-Year (10-year)

Brighthouse Financial

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9.25%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: September 4, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Brighthouse SecureKey 10-Year (10-year) would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$307,812
Est. value at age 80 (Brighthouse SecureKey 10-Year (10-year))
9.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.25% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Brighthouse SecureKey 10-Year (10-year)'s published cap rate (9.25% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

Free Comparison Report

Get a Brighthouse SecureKey 10-Year (10-year) rate report

See how Brighthouse SecureKey 10-Year (10-year) compares for your age, state, premium, and income goals alongside other Brighthouse Financial fixed indexed annuity options.

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rate data

Run numbers for Brighthouse SecureKey 10-Year (10-year)

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Brighthouse Financial product.

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

ReadyPay GLWB lifetime payout rate

5.7% lifetime payout + 7% roll-up

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.

1% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want a guaranteed lifetime income through an optional GLWB rider with both single- and joint-life payouts, value the simple-interest roll-up of the income base, and accept the rider's annual fee in exchange for the income guarantee.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

5.75% trigger rate

Performance trigger

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

60% participation rate + 2% spread

Participation

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 24 additional crediting options (Russell 2000, MSCI EAFE, S&P 500...)

Lifetime Income Riders

Income rider

ReadyPay

Lifetime payout rate5.7% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up7%/yr
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • The ReadyPay GLWB rider is built around a simple-interest roll-up of the income base across a ten-year deferral, with both single-life and joint-life payout schedules available — so a couple can attach the income guarantee to two lives without giving up the contract's core mechanics.
  • The growth side spans four indexes — S&P 500, Russell 2000, MSCI EAFE, and a volatility-controlled S&P 500 Low Volatility Daily Risk Control benchmark — across three crediting designs (cap, participation, and a fixed-rate trigger), so the buyer who wants the income guarantee can still pick the crediting mechanic that best fits their view of the indexes.
  • Surrender-charge waivers for nursing-home, terminal-illness, and required-minimum-distribution events sit on top of the annual free-withdrawal allowance, so several of the most common liquidity needs are covered without breaking the contract.
  • A guaranteed minimum-cap floor and an MVA-on-surrender provision are both disclosed in the feed, so the worst-case renewal cap and the surrender mechanics are visible rather than hidden in a brochure.

What to confirm

  • ReadyPay is an optional rider that carries an annual fee charged against the contract value. That fee is paid every year whether or not the buyer turns income on, and it draws on the same crediting the growth side relies on — so a buyer who attaches the rider and then defers indefinitely is paying for a guarantee they may never exercise.
  • The ten-year surrender ladder is a long commitment that lines up with the rider's roll-up window but does not drop into the low single digits until the very end of the schedule. Buyers who do not need a full ten-year deferral, or who may need more than the annual free-withdrawal allowance, should compare a shorter-surrender FIA before locking in.
  • The contract is not available in California, New York, or Puerto Rico — 49 jurisdictions are on the current list. Buyers in those states will not find this product through Brighthouse, and there is no separate state-variant filing of SecureKey 10-Year on the carrier's current map.
  • The headline cap shown on the carrier listing card is on a proprietary volatility-controlled S&P 500 Low Volatility Daily Risk Control benchmark, not on the standard S&P 500 annual point-to-point strategy. The like-for-like S&P 500 cap on this product is materially lower, so a buyer comparing headline caps across carriers should compare on the same index, not on the highest number printed on each card.

Not ideal for

Pure-accumulation buyers who do not need a lifetime-income guarantee — the rider fee drags on their growth — or buyers who want a shorter surrender commitment, larger free-withdrawal flexibility, or a death-benefit roll-up beyond the standard contract value. Also not available to residents of California, New York, or Puerto Rico.

Free Comparison Report

Get a Brighthouse SecureKey 10-Year (10-year) rate report

See how Brighthouse SecureKey 10-Year (10-year) compares for your age, state, premium, and income goals alongside other Brighthouse Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (33 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 120% + Spread: 2% · 1-yr

S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index

participation

10-yr surrender$100,000+

Par: 95% · 1-yr

S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index

participation

10-yr surrender$100,000+

Par: 60% + Spread: 2% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 60% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

10-yr surrender$100,000+

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 50% · 1-yr

MSCI EAFE Index

participation

10-yr surrender$100,000+

Par: 50% + Spread: 2% · 1-yr

Russell 2000 Index

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

Russell 2000 Index

participation

10-yr surrender$100,000+

Cap: 10.75% · 1-yr

S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index

cap

10-yr surrender$100,000+

Cap: 9.75% · 1-yr

Russell 2000 Index

cap

10-yr surrender$100,000+

Cap: 9.75% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 7% · 1-yr

Russell 2000 Index

trigger

10-yr surrender$100,000+

Trigger: 6.75% · 1-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Trigger: 5.75% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Trigger: 4.75% · 1-yr

S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index

trigger

10-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 115% + Spread: 2% · 1-yr

S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index

participation

10-yr surrenderUp to $99,999.99

Par: 90% · 1-yr

S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index

participation

10-yr surrenderUp to $99,999.99

Par: 55% + Spread: 2% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Par: 55% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

10-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

MSCI EAFE Index

participation

10-yr surrenderUp to $99,999.99

Par: 45% + Spread: 2% · 1-yr

Russell 2000 Index

participation

10-yr surrenderUp to $99,999.99

Par: 35% · 1-yr

Russell 2000 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 10.5% · 1-yr

S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index

cap

10-yr surrenderUp to $99,999.99

Cap: 9.5% · 1-yr

Russell 2000 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 9.5% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 9% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 6.75% · 1-yr

Russell 2000 Index

trigger

10-yr surrenderUp to $99,999.99

Trigger: 6.5% · 1-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Trigger: 4.5% · 1-yr

S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index

trigger

10-yr surrenderUp to $99,999.99

Income riders

Income rider

ReadyPay

Lifetime withdrawal rate5.7%
Annual rider fee1%
Guaranteed roll-up7%/yr
Income multiplier2× multiplier

GLWB

Common questions about Brighthouse SecureKey 10-Year (10-year)

● Can I lose money in Brighthouse SecureKey 10-Year (10-year)?

A negative index return by itself does not reduce the contract's account value: Brighthouse SecureKey 10-Year (10-year) credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the ReadyPay income rider worth the 1% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 7% roll-up and 5.7% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Brighthouse SecureKey 10-Year (10-year)'s crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Brighthouse SecureKey 10-Year (10-year) strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.20%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

25.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

4.00%

Maximum spread: 4.00%

Annuitization options

Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

Yr 8

2%

Yr 9

1%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

brochure

secure-key-10-year-fact-card-2.pdf

Confidence: highReviewed Apr 3, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
FitchA
Moody'sA3
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Brighthouse SecureKey 10-Year (10-year) currently shows 33 indexed or fixed crediting options, including S&P 500 Index, with 24 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 9% annual cap
  • S&P 500 Index: 5.75% annual trigger rate
  • S&P 500 Index: 5.5% annual trigger rate

Income rider language

What to look for before treating the rider as income

ReadyPay is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 5.7% withdrawal rate
  • 1% rider fee

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as secure-key-10-year-fact-card-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a Brighthouse SecureKey 10-Year (10-year) rate report

See how Brighthouse SecureKey 10-Year (10-year) compares for your age, state, premium, and income goals alongside other Brighthouse Financial fixed indexed annuity options.

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