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

Brighthouse Fixed Rate Annuity MVA is a Single Premium Deferred Annuity (SPDA). The owner makes a one-time premium payment and selects a 3-, 5-, or 7-year initial guarantee period, during which interest is credited at a fixed, guaranteed rate and grows tax-deferred. During the initial guarantee period, withdrawals in excess of the free withdrawal allowance may be subject to surrender charges and an MVA. Upon completion of the initial term, the annuity automatically renews into a 1-year guarantee period at the declared renewal rate, at which point surrender charges and MVA no longer apply.

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

The minimum premium amount is $25,000.

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

The maximum issue age is 85 years.

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

The current interest rate is 4.05%.

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

Withdrawals that exceed the annual free-withdrawal allowance during the initial guarantee period, or a full surrender, are subject to surrender charges and may also incur a Market Value Adjustment. Surrender charges decline annually and reach 0% at the end of the selected guarantee period. After the initial term ends, all funds become fully penalty-free.

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

The best available rate is 4.80% for a 7 year term.

Brighthouse Financial

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

About this product

The Brighthouse Life Fixed Rate Annuity MVA 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.

Available Rates

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

3 Years	4.30%
5 Years	5.75%
7 Years	4.80%

Available Guarantee Periods

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

$25,000.00 - $99,999.00	4.05%
$100,000.00 - $1,000,000.00	4.3%

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