Registered index-linked annuity · SEC-registered · defined downside design
Brighthouse Shield Level II 6-Year Annuity NY
Issued by Brighthouse Life Insurance Company of NY
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 15% buffer | 25% buffer |
|---|---|---|---|
| S&P 500 | |||
| 1-yearPoint-to-point | 16% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | 12% cap Segment detailsMinimum cap: 4.5%Minimum participation: 100%Minimum buffer: 15% | 9% cap Segment detailsMinimum cap: 3.5%Minimum participation: 100%Minimum buffer: 25% |
| 1-yearPerformance trigger | 10% trigger rate Segment detailsMinimum trigger rate: 5%Minimum participation: 100%Minimum buffer: 10% | 8.75% trigger rate Segment detailsMinimum trigger rate: 4.5%Minimum participation: 100%Minimum buffer: 15% | — |
| 1-yearStep Rate Edge | 8% trigger rate Segment detailsMinimum trigger rate: 5%Minimum participation: 100%Minimum buffer: 10% | 7% trigger rate Segment detailsMinimum trigger rate: 4.5%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearPerformance trigger | 16.5% trigger rate Segment detailsMinimum trigger rate: 10%Minimum participation: 100%Minimum buffer: 10% | 15% trigger rate Segment detailsMinimum trigger rate: 9%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearStep Rate Edge | 15% trigger rate Segment detailsMinimum trigger rate: 10%Minimum participation: 100%Minimum buffer: 10% | 13% trigger rate Segment detailsMinimum trigger rate: 9%Minimum participation: 100%Minimum buffer: 15% | — |
| 3-yearPoint-to-point | 75% cap Segment detailsMinimum cap: 15%Minimum participation: 100%Minimum buffer: 10% | 60% cap Segment detailsMinimum cap: 13.5%Minimum participation: 100%Minimum buffer: 15% | — |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10% | 110% cap Segment detailsMinimum cap: 27%Minimum participation: 100%Minimum buffer: 15% | 80% cap Segment detailsMinimum cap: 21%Minimum participation: 100%Minimum buffer: 25% |
Showing 16 of 64 indexed segments.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Analyst notes
Where it stands out
- This New York-only contract provides one-, two-, three-, and six-year buffered segment choices alongside a fixed-account option.
- The current menu uses the S&P 500, Nasdaq-100, Russell 2000, and MSCI EAFE indexes across point-to-point, performance-trigger, and Step Rate Edge mechanics.
- No strategy fee is published on the current New York segment rows, and nursing-home and terminal-illness surrender waivers are listed.
- The national six-year contract is cross-linked as a separate state version rather than being blended into the New York rates.
What to confirm
- This SEC-registered index-linked annuity can lose value. A buffer absorbs only the first layer of an indexed-segment loss; losses beyond it reduce contract value.
- This contract version is available only in New York. National-version segment terms must not be substituted for the New York menu.
- The six-year surrender schedule can affect early access, return of premium is not included, and the current contract data shows no market value adjustment.
- This is an accumulation contract with no current lifetime-income rider; annuitization choices are not a guaranteed withdrawal benefit.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantBrighthouse Life Insurance Company of NY
SEC CIK0001167609
File numbers333-279315
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
1 published jurisdiction. This contract version is available only in New York.