Registered index-linked annuity · SEC-registered · defined downside design
Brighthouse Shield Level II Advisory Annuity
Issued by Brighthouse Life Insurance Company
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 | 18% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 12.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15% | 9.25% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 25% |
| 1-yearPerformance trigger | 10.25% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 10% | 9% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 15% | — |
| 1-yearStep Rate Edge | 8.25% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 10% | 7.25% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearPerformance trigger | 17.5% trigger rate Segment detailsMinimum trigger rate: 3%Minimum participation: 100%Minimum buffer: 10% | 16% trigger rate Segment detailsMinimum trigger rate: 3%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearStep Rate Edge | 15.75% trigger rate Segment detailsMinimum trigger rate: 3%Minimum participation: 100%Minimum buffer: 10% | 14% trigger rate Segment detailsMinimum trigger rate: 3%Minimum participation: 100%Minimum buffer: 15% | — |
| 3-yearPoint-to-point | 100% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10% | 70% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 15% | — |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 10%123% participation1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 8%Minimum participation: 100%Minimum buffer: 10% | 120% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 15%117% participation1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 8%Minimum participation: 100%Minimum buffer: 15% | 85% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 25%112% participation1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 8%Minimum participation: 100%Minimum buffer: 25% |
Showing 19 of 76 indexed segments.
Menu combined from 2 published rate instances (64 + 12 segments).
What one segment pays at an index outcome
Contract arithmetic on today’s published terms, net of the published strategy fee; not a forecast.
Only segments with a published strategy fee are selectable. Fee-null segments remain in the complete matrix, but their outcomes are suppressed because no zero fee is assumed.
Downside-aware simulator
Test an index segment outcome
The segment can lose value. This educational one-segment scenario is not a carrier illustration.
Strategy fee 1.25%/yr applied.
Starting value
$100,000
Segment return
-7.27%
Ending value
$92,731
Outcomes are net of the published strategy fee. Point-to-point uses the stated buffer; Dual Direction credits a loss inside the buffer as a gain; Dual Trigger pays its flat rate when the index is at or above the negative buffer; Performance Trigger pays its flat rate when the index is at or above zero. The annual fee is compounded across the listed segment term.
The strategy fee, priced honestly
For segments that publish it, 1.25% a year applies whether the index rises, falls, or finishes flat. Fee-null rows are not treated as free.
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
No surrender charge
Analyst notes
Where it stands out
- The advisory contract publishes buffered segments tied to the S&P 500, Nasdaq-100, Russell 2000, and MSCI EAFE, plus a fixed account.
- Annual and multi-year choices include conventional point-to-point, performance-trigger, and Step Rate Edge mechanics rather than one undifferentiated market-linked option.
- The selected contract ledger publishes no surrender-charge period and no market value adjustment, which distinguishes this advisory version from a long surrender schedule.
- Current carrier data includes financial-strength ratings from A.M. Best, Fitch, Moody's, and S&P.
What to confirm
- This registered index-linked annuity can lose value. A buffer absorbs only the first stated portion of an index loss; losses beyond it reduce the segment value.
- Some current multi-year participation-cap segments publish a strategy fee while the standard annual S&P 500 cap does not publish one. Compare each segment using only its published fee terms.
- The current contract data does not publish a minimum premium or product documents, so eligibility and prospectus details must be confirmed before purchase.
- The product is not available in New York or Puerto Rico, and current caps, trigger rates, participation terms, and buffers can change for a new segment.
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
SEC CIK0002041679
File numbers333-282871
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
52 published jurisdictions. Not available in New York or Puerto Rico.