NEW - Try our beta Annuity Rates Simulator

Can You Buy an Annuity with Cryptocurrency? 

What Are Digital Annuities?

Annuities for Beginners: What to Ask Your Financial Advisor

Annuitization in Annuities: Turning Your Savings into Lifetime Retirement Income

Annuities vs. Bonds

Common Annuity Pitfalls to Avoid

Annuity Companies to Avoid

Annuity Due vs. Ordinary Annuity

What Happens to an Annuity When You Die? 

Integrating Technology into Retirement Life for Efficiency and Comfort

Fixed Indexed Annuity Application Process Explained: Step-by-Step Guide for U.S. Annuitants

Understanding Why Fixed Indexed Annuities Have Different Withdrawal-Charge Versions

Integrating Annuities into a Roth Conversion Strategy for FIRE

The Tax Play: How Certain Annuities Can Smooth Out FIRE Income

Why Many FIRE Advocates Avoid Annuities (and When They Should Consider)

Tax Optimization and Annuities: Smart Strategies for Retirees and Early Retirees

Using QLACs (Qualified Longevity Annuity Contracts) to Protect Against Outliving FIRE Savings

Buying Annuities in a High-Interest-Rate Environment: Timing Strategies for FIRE Planners

Partial FIRE + Partial Annuity: Designing a Hybrid Retirement Income Plan

Dynamic FIRE Withdrawal Strategies and Annuities

Best Fixed Annuity Rates in 2025

Best Fixed Indexed Annuities in 2025

Best Immediate and Deferred Annuities Rates 2025

Best Variable Annuities and Rates – A 2025 Guide for Potential Investors

How to Get the Best Annuity Rates in 2025: A Comprehensive Guide

Guaranteed vs. Non-Guaranteed Annuity Rates

Annuity Rate Factors: A Comprehensive Guide to Understanding Influential Variables

Guaranteed vs. Non-Guaranteed Annuities- Balancing Security and Potential Returns

Mastering Your Future: How to Calculate Annuity Growth Rate Effectively

Brighthouse Shield Level Pay Plus II Advisory Indexed Annuity In-depth Review

Brighthouse Shield Level Pay Plus II Indexed Annuity In-depth Review

Brighthouse SecureKey Advisory Fixed Indexed Annuity In-depth Review

Brighthouse SecureKey Fixed Indexed Annuity In-depth Review

Brighthouse Shield Level II Indexed Annuity In-depth Review

Brighthouse SecureAdvantage Fixed Indexed Annuity In-depth Review

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA if applicable. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window. State variations may apply.

 Rider – guarantees return of original premium upon full surrender (minus prior withdrawals), with a reduced crediting rate.

None. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries receive the full contract value in a lump sum, unaffected by surrender charges or MVA. Once annuitized, remaining payments follow the elected settlement option.

During each contract year of the guarantee period, owners may withdraw up to 10% of the contract value without surrender charges or MVA. Multiple withdrawals are permitted within the 10% allowance, subject to company minimums. Withdrawals reduce the account value and may impact the death benefit.

 funds. The Brighthouse Fixed Rate Annuity accepts Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, 401(k) rollovers, and Inherited IRAs where permitted.

The Brighthouse Fixed Rate Annuity is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, or 7-year term, during which interest grows tax-deferred. During each contract year, the policy allows annual penalty-free withdrawals up to 10% of the contract value, while withdrawals above this amount may be subject to surrender charges and, where applicable, a Market Value Adjustment (MVA). At the end of each guarantee period, a 30-day window provides flexibility for renewal, surrender, or transition to another term without penalty. The optional Return of Premium (ROP) rider guarantees the return of the original purchase payment upon full surrender.

At the end of each guarantee period, the Brighthouse contract enters a 30-day renewal window during which the owner may renew for the same term at the declared renewal rate, surrender without penalty, apply funds to a settlement option, select a different guarantee period, or take a partial penalty-free withdrawal. If no election is made, the contract automatically renews for a 1-year term at the then-current renewal rate.

The surrender value equals the account value minus any applicable surrender charges and MVA, but not less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Brighthouse Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation. With penalty-free access beginning in year one and straightforward contract mechanics, this Fixed Rate Annuity supports long-term financial planning with security, simplicity, and consistent growth. The optional Return of Premium (ROP) feature provides an added layer of surrender protection by guaranteeing the return of the original premium upon full surrender, minus prior withdrawals.

Withdrawals that exceed the free-withdrawal allowance during the initial guarantee period may incur surrender charges and an MVA. These charges gradually reduce each contract year and fall to 0% at the end of the term.

None. No annual contract fees or maintenance charges.

If the owner dies before annuitization, the beneficiary receives the greater of the account value or the minimum withdrawal value. This amount is not reduced by surrender charges or MVA.

After annuitization begins, any remaining guaranteed payments follow the settlement option elected at that time.

 Eliminates surrender charges and MVA for qualifying confinement of at least 90 consecutive days (owner must be under age 80 at issue; state variations apply).

 Eliminates surrender charges and MVA for a qualifying terminal diagnosis with a life expectancy of 12 months or less (owner must be under age 80 at issue).

 Required Minimum Distributions for the contract may be taken without surrender charges or MVA.

 Once the guarantee period ends, the contract is fully liquid—no MVA, no surrender charges.

• During the first contract year, the policy permits a penalty-free withdrawal of up to 10% of the purchase payment.

• Beginning in the second contract year and in each year thereafter, the owner may withdraw up to 10% of the account value as of the prior contract anniversary without surrender charges or MVA.

• Partial withdrawals beyond these limits may incur both a surrender charge and an MVA during the initial guarantee term.

• After the initial guarantee period ends, all withdrawals are fully penalty-free.

 funds. Accepts Traditional IRAs, Roth IRAs, SEP IRAs, inherited IRAs, and non-qualified assets (not available for employer-sponsored qualified plans).

This MYGA is a Single Premium Deferred Annuity (SPDA) in which the owner makes a one-time premium payment and selects a 3-, 5-, or 7-year fixed rate period. Interest grows tax-deferred for the entire term. During the initial guarantee period, withdrawals above the annual free-withdrawal amount may be subject to surrender charges and an MVA. Once the term ends, the annuity becomes fully penalty-free and renews into successive 1-year guarantee periods at the current renewal rate.

At the end of the guarantee period, the contract automatically renews into a 1-year period at the declared renewal rate. During this renewal period, the annuity is fully penalty-free. The owner may withdraw, renew, annuitize, or reposition the value without restrictions.

The surrender value equals the account value minus applicable surrender charges and any MVA, but never less than the nonforfeiture minimum required by law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) that provides fixed, tax-deferred interest growth and full principal protection during 3-, 5-, or 7-year guarantee periods. It offers predictable, contractually guaranteed growth insulated from equity-market volatility, making it suitable for conservative savers seeking stability and dependable accumulation. The product includes a Market Value Adjustment (MVA) during the initial guarantee period, which allows Brighthouse to offer higher initial rates compared to non-MVA designs. Once the initial term ends, the annuity enters a 1-year renewal schedule without surrender charges or MVA, providing ongoing flexibility and penalty-free access.

Withdrawals exceeding the 10% free-withdrawal amount, or a full surrender during the guarantee period, may be subject to surrender charges. This product does not include a Market Value Adjustment (MVA). Surrender charges decline annually until they reach 0% at the end of the guarantee period.

A Principal Guarantee Rider (Return of Premium) may be included, providing a full return of premium upon full surrender, less prior withdrawals. Electing this rider may reduce the credited interest rate.

This program may be elected at any time at no additional charge.

Beneficiaries receive the full contract value or the minimum withdrawal value, whichever is greater, if the owner dies before annuitization.

(Availability varies by state; waivers generally require the owner to be under age 80 at issue.)

After the first contract year, owners may withdraw up to 10% of the prior-anniversary contract value without surrender charges. Required Minimum Distributions (RMDs) are also permitted without penalty.

funds. Brighthouse accepts a wide range of funding types, including Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, 401(k) rollovers, and Inherited IRAs.

This annuity is a Single Premium Deferred Fixed Annuity (SPDA) that credits a guaranteed fixed interest rate for the full duration of the selected guarantee period. Owners make a single premium contribution and select a 3-, 5-, or 7-year term, during which interest accumulates tax-deferred. After the first contract year, penalty-free withdrawals are permitted within the free-withdrawal allowance, while withdrawals above this limit may be subject to surrender charges. At the end of the guarantee period, a renewal window allows the contract to be renewed, surrendered without penalty, transitioned to a new term, or applied to an available settlement option.

At the end of each 3-, 5-, or 7-year term, a renewal window allows the owner to renew at the declared renewal rate, surrender without penalty, change to a different available term, or elect a settlement option. If no action is taken, the contract automatically renews into a one-year guarantee period at the declared rate.

The surrender value equals the account value minus applicable surrender charges. It will not be less than the minimum nonforfeiture requirement.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Brighthouse Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates independent of market conditions, making it suitable for conservative savers seeking stability and straightforward accumulation. With optional return-of-premium protection, flexible withdrawal provisions, and simple long-term contract mechanics, this annuity supports retirement objectives with clarity and dependable growth.

Brighthouse Life – Fixed Rate Annuity ROP (3-, 5-, 7-Year Terms)

Brighthouse Life – Fixed Rate Annuity MVA (3-, 5-, 7-Year Terms)

Brighthouse Life – Fixed Rate Annuity (3-, 5-, 7-Year Terms)