What is the minimum guaranteed surrender value for Brighthouse Life – Fixed Rate Annuity (3-, 5-, 7-Year Terms)?

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. After the first 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. This version of the product does not include a Market Value Adjustment (MVA). At the end of each guarantee period, the contract automatically enters a renewal phase, allowing the owner to renew, surrender without penalty, or transition to another available option.

What is the minimum premium amount for Brighthouse Life – Fixed Rate Annuity (3-, 5-, 7-Year Terms)?

The minimum premium amount is $25,000.

What is the maximum issue age for Brighthouse Life – Fixed Rate Annuity (3-, 5-, 7-Year Terms)?

The maximum issue age is 85 years.

What is the current interest rate for Brighthouse Life – Fixed Rate Annuity (3-, 5-, 7-Year Terms)?

The current interest rate is 3.9%.

What is the surrender charge schedule for Brighthouse Life – Fixed Rate Annuity (3-, 5-, 7-Year Terms)?

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges. This product does not include an MVA. Charges decline each year until reaching 0% at the end of the guarantee period. All funds become fully penalty-free after the guarantee period ends.

What are the best rates available for Brighthouse Life – Fixed Rate Annuity (3-, 5-, 7-Year Terms)?

The best available rate is 5.65% for a 7 year term.

Brighthouse Financial

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

About this product

The Brighthouse Fixed Rate Annuity 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.15%
5 Years	4.60%
7 Years	5.65%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$25,000.00 - $99,999.00	3.9%
$100,000.00 - $1,000,000.00	4.15%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage