What is the minimum guaranteed surrender value for Brighthouse Life – Fixed Rate Annuity ROP (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. During the initial guarantee period, 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 the initial guarantee period, the contract automatically renews into a subsequent 1-year guarantee period at the then-current renewal rate, after which no withdrawal charges apply. The optional Return of Premium (ROP) rider may be elected at issue and cannot be removed once elected.

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

The minimum premium amount is $25,000.

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

The maximum issue age is 85 years.

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

The current interest rate is 3.9%.

What is the surrender charge schedule for Brighthouse Life – Fixed Rate Annuity ROP (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 and may also incur a Market Value Adjustment (MVA), if applicable. Surrender charges decline each year and reach 0% at the end of the guarantee period. All funds become fully penalty-free at the conclusion of the initial guarantee period or during the 30-day renewal window. State variations may apply.

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

The best available rate is 4.65% for a 7 year term.

Brighthouse Financial

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

About this product

The Brighthouse Life Fixed Rate Annuity ROP 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 annual penalty-free access beginning in the first contract year and straightforward contract mechanics, this Fixed Rate Annuity supports long-term financial planning with security, simplicity, and consistent growth. An optional Return of Premium (ROP), also known as the Principal Guarantee Rider, provides added surrender protection by guaranteeing the return of the original purchase payment upon full surrender, reduced only by prior withdrawals and applicable taxes.

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	4.65%

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