Shield Level Pay Plus
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Highlights
A Brighthouse Shield Level Pay Plus Annuity is an index-linked annuity, which is a long-term financial product designed to help you save for retirement.This type of annuity lets you participate in growth opportunities up to a certain percentage by tracking the performance of a market index while providing a level of protection in down markets. The product features the added benefit of providing guaranteed lifetime income through the choice of two versions of our built-in income rider: Market Growth and Market Growth with Rollup.
Available in states:
AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
6 Years |
|
Surrender schedule
|
7%7%6%5%4%3% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and 1035 Exchange |
Brochure
|
Open brochure |
Find out if the Shield Level Pay Plus is the right product for you.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 2-Year Nasdaq-100 Shield 15 with Step Rate Edge |
Step Rate Edge
Biennial
|
14%
Performance triggered
|
| 1-Year S&P 500 Shield 10 with Step Rate Edge |
Step Rate Edge
Annual
|
8%
Performance triggered
|
| 1-Year S&P 500 Shield 15 with Step Rate Edge |
Step Rate Edge
Annual
|
7%
Performance triggered
|
| 2-Year S&P 500 Shield 10 with Step Rate Edge |
Step Rate Edge
Biennial
|
14.5%
Performance triggered
|
| 2-Year S&P 500 Shield 15 with Step Rate Edge |
Step Rate Edge
Biennial
|
12.5%
Performance triggered
|
| 1-Year Russell 2000 Shield 10 with Step Rate Edge |
Step Rate Edge
Annual
|
9%
Performance triggered
|
| 1-Year Russell 2000 Shield 15 with Step Rate Edge |
Step Rate Edge
Annual
|
7.5%
Performance triggered
|
| 2-Year Russell 2000 Shield 10 with Step Rate Edge |
Step Rate Edge
Biennial
|
17%
Performance triggered
|
| 2-Year Russell 2000 Shield 15 with Step Rate Edge |
Step Rate Edge
Biennial
|
14.5%
Performance triggered
|
| 1-Year MSCI EAFE Shield 15 with Step Rate Edge |
Step Rate Edge
Annual
|
5.75%
Performance triggered
|
| 2-Year MSCI EAFE Shield 10 with Step Rate Edge |
Step Rate Edge
Biennial
|
13.5%
Performance triggered
|
| 2-Year MSCI EAFE Shield 15 with Step Rate Edge |
Step Rate Edge
Biennial
|
11%
Performance triggered
|
| 1-Year Nasdaq-100 Shield 10 with Step Rate Edge |
Step Rate Edge
Annual
|
9.5%
Performance triggered
|
| 1-Year Nasdaq-100 Shield 15 with Step Rate Edge |
Step Rate Edge
Annual
|
7.5%
Performance triggered
|
| 2-Year Nasdaq-100 Shield 10 with Step Rate Edge |
Step Rate Edge
Biennial
|
16.5%
Performance triggered
|
| 1-Year MSCI EAFE Shield 10 with Step Rate Edge |
Step Rate Edge
Annual
|
7.25%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
3.5%
Fixed
|
| 6-Year S&P 500 PTP Cap Shield 10 |
Point to Point
6-Year
|
400%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Shield 10 |
Point to Point
Annual
|
16%
Cap
|
| 1-Year S&P 500 PTP Cap Shield 15 |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year S&P 500 PTP Cap Shield 25 |
Point to Point
Annual
|
8.5%
Cap
|
| 3-Year Nasdaq-100 PTP Cap Shield 10 |
Point to Point
Triennial
|
55%
Cap
|
| 6-Year Nasdaq-100 PTP Cap Shield 10 |
Point to Point
6-Year
|
140%
Cap
|
| 6-Year Nasdaq-100 PTP Cap Shield 15 |
Point to Point
6-Year
|
110%
Cap
|
| 6-Year Nasdaq-100 PTP Cap Shield 25 |
Point to Point
6-Year
|
70%
Cap
|
| 3-Year Nasdaq-100 PTP Cap Shield 15 |
Point to Point
Triennial
|
40%
Cap
|
| 1-Year S&P 500 PTP Cap Shield 10 |
Point to Point
Annual
|
16%
Cap
|
| 3-Year Russell 2000 PTP Cap Shield 15 |
Point to Point
Triennial
|
55%
Cap
|
| 3-Year MSCI EAFE PTP Cap Shield 15 |
Point to Point
Triennial
|
80%
Cap
|
| 3-Year MSCI EAFE PTP Cap Shield 10 |
Point to Point
Triennial
|
130%
Cap
|
| 3-Year S&P 500 PTP Cap Shield 15 |
Point to Point
Triennial
|
80%
Cap
|
| 1-Year MSCI EAFE PTP Cap Shield 25 |
Point to Point
Annual
|
8.25%
Cap
|
| 1-Year Russell 2000 PTP Cap Shield 25 |
Point to Point
Annual
|
10.25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Shield 25 |
Point to Point
Annual
|
9.25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Shield 15 |
Point to Point
Annual
|
12.5%
Cap
|
| 1-Year Russell 2000 PTP Cap Shield 15 |
Point to Point
Annual
|
14.5%
Cap
|
| 1-Year MSCI EAFE PTP Cap Shield 15 |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year MSCI EAFE PTP Cap Shield 10 |
Point to Point
Annual
|
17%
Cap
|
| 1-Year Russell 2000 PTP Cap Shield 10 |
Point to Point
Annual
|
19.5%
Cap
|
| 6-Year Russell 2000 PTP Cap Shield 10 |
Point to Point
6-Year
|
115%
Cap
|
| 3-Year Russell 2000 PTP Cap Shield 10 |
Point to Point
Triennial
|
90%
Cap
|
| 3-Year S&P 500 PTP Cap Shield 10 |
Point to Point
Triennial
|
130%
Cap
|
| 6-Year MSCI EAFE PTP Cap Shield 25 |
Point to Point
6-Year
|
100%
Cap
|
| 6-Year Russell 2000 PTP Cap Shield 25 |
Point to Point
6-Year
|
65%
Cap
|
| 6-Year S&P 500 PTP Cap Shield 25 |
Point to Point
6-Year
|
100%
Cap
|
| 6-Year S&P 500 PTP Cap Shield 15 |
Point to Point
6-Year
|
250%
Cap
|
| 6-Year Russell 2000 PTP Cap Shield 15 |
Point to Point
6-Year
|
90%
Cap
|
| 6-Year MSCI EAFE PTP Cap Shield 15 |
Point to Point
6-Year
|
175%
Cap
|
| 6-Year MSCI EAFE PTP Cap Shield 10 |
Point to Point
6-Year
|
250%
Cap
|
| 1-Year S&P 500 Shield 15 with Step Rate |
Performance Triggered
Annual
|
8.5%
Performance triggered
|
| 1-Year MSCI EAFE Shield 15 with Step Rate |
Performance Triggered
Annual
|
7.75%
Performance triggered
|
| 1-Year Russell 2000 Shield 15 with Step Rate |
Performance Triggered
Annual
|
10.25%
Performance triggered
|
| 2-Year S&P 500 Shield 10 with Step Rate |
Performance Triggered
Biennial
|
17%
Performance triggered
|
| 2-Year S&P 500 Shield 15 with Step Rate |
Performance Triggered
Biennial
|
15.5%
Performance triggered
|
| 2-Year Russell 2000 Shield 10 with Step Rate |
Performance Triggered
Biennial
|
20%
Performance triggered
|
| 2-Year Russell 2000 Shield 15 with Step Rate |
Performance Triggered
Biennial
|
18.25%
Performance triggered
|
| 2-Year MSCI EAFE Shield 15 with Step Rate |
Performance Triggered
Biennial
|
13.5%
Performance triggered
|
| 2-Year MSCI EAFE Shield 10 with Step Rate |
Performance Triggered
Biennial
|
15.5%
Performance triggered
|
| 2-Year Nasdaq-100 Shield 15 with Step Rate |
Performance Triggered
Biennial
|
17.5%
Performance triggered
|
| 2-Year Nasdaq-100 Shield 10 with Step Rate |
Performance Triggered
Biennial
|
19.5%
Performance triggered
|
| 1-Year S&P 500 Shield 10 with Step Rate |
Performance Triggered
Annual
|
9.5%
Performance triggered
|
| 1-Year Russell 2000 Shield 10 with Step Rate |
Performance Triggered
Annual
|
11.75%
Performance triggered
|
| 1-Year MSCI EAFE Shield 10 with Step Rate |
Performance Triggered
Annual
|
8.5%
Performance triggered
|
| 1-Year Nasdaq-100 Shield 10 with Step Rate |
Performance Triggered
Annual
|
11.5%
Performance triggered
|
| 1-Year Nasdaq-100 Shield 15 with Step Rate |
Performance Triggered
Annual
|
10.5%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 7% | 7% | 6% | 5% | 4% | 3% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Market Growth | Yes | 1.50% annually (2.00% max) |
| Market Growth with Rollup | Yes | 1.50% annually (2.00% max) |
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