Fixed Rate Annuity
About this product
Brighthouse Fixed Rate Annuity is a single premium deferred fixed annuity designed for long-term retirement savings. It offers a guaranteed interest rate for an initial term of 3, 5, or 7 years, with higher rates available for purchase payments of $100,000 or more. After the initial term, the contract renews annually at a declared rate and includes tax-deferred growth, a choice of income options, and a death benefit that pays either the full account value or the minimum withdrawal value, whichever is greater. Withdrawals can begin after 13 months and must begin by the contract anniversary after the owner's 95th birthday.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 4.60% |
| 5 Years | 5.00% |
| 7 Years | 5.05% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $25,000.00 - $99,999.00 | 4.35% |
| $100,000.00 - $1,000,000.00 | 4.6% |
| Features | |
| Maximum Issue Age | 85 years |
Lifetime Income Details
Payout Options
Income Calculation
- Total Growth at Payout Age
- $0.00
- Current Age
- 45
- Payout Age
- 65
- Expected Lifetime (years)
- 35
- Payout Option
- Annuitization
- Annual Lifetime Income
- $0.00
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