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2-Year
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6.50%
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5.85%
10-Year
5.80%

Shield Level Pay Plus Advisory

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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
Registered Index-Linked
Purpose Lifetime Income
Surrender schedule
No Surrender Charge
Free withdrawal
100%
Market value adjustment
Return of premium
Launch date
08/08/2022
Minimum contribution
$25,000
Maximum contribution
$1,000,000
Max Age Qualified
85
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
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Withdrawal Provisions

Access to Your Money
Annual Benefit Payments: On and after the Annual Benefit Commencement Date, you can withdraw up to the Annual Benefit Payment in a contract year without impacting your Benefit Base and Net Purchase Payment Amount (if applicable). Refer to the “Annual Benefit Payments” section for more details.
Automated Withdrawals: On and after the Annual Benefit Commencement Date, you can schedule monthly, quarterly, semi-annual, or annual withdrawals up to the Annual Benefit Payment. Payments may be taken from specified Shield Options and/or the Fixed Account, or proportionally from all Shield Options and the Fixed Account, as allocated. Additionally, automated withdrawals may be set up to satisfy required minimum distributions (RMDs).
Fixed Account Automated Withdrawal Processing: As an alternative to automated withdrawals outlined above, you may elect to have your Annual Benefit Payment processed from the Fixed Account, if available. On each contract anniversary, an amount equal to your Annual Benefit Payment will be transferred proportionately from your Shield Options to the Fixed Account. Your payments will be made from the Fixed Account based on the frequency you elect. The use of Fixed Account automated withdrawal processing is optional, may only begin on a contract anniversary, and is only allowed if the entire Annual Benefit Payment is transferred to the Fixed Account and fully withdrawn during the contract year. 

Allocation Accounts

Name Type Rates
1-Year S&P 500 Shield 10 with Step Rate Edge
Step Rate Edge
Annual
8.5% Performance triggered
2-Year Nasdaq-100 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
16.5% Performance triggered
2-Year Nasdaq-100 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
19% Performance triggered
1-Year Nasdaq-100 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
8.5% Performance triggered
1-Year Nasdaq-100 Shield 10 with Step Rate Edge
Step Rate Edge
Annual
10.5% Performance triggered
2-Year MSCI EAFE Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
13.5% Performance triggered
2-Year MSCI EAFE Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
16% Performance triggered
1-Year MSCI EAFE Shield 15 with Step Rate Edge
Step Rate Edge
Annual
6.25% Performance triggered
1-Year MSCI EAFE Shield 10 with Step Rate Edge
Step Rate Edge
Annual
7.75% Performance triggered
2-Year Russell 2000 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
17% Performance triggered
2-Year Russell 2000 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
19% Performance triggered
1-Year Russell 2000 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
8.5% Performance triggered
1-Year Russell 2000 Shield 10 with Step Rate Edge
Step Rate Edge
Annual
10.5% Performance triggered
2-Year S&P 500 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
15% Performance triggered
2-Year S&P 500 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
17% Performance triggered
1-Year S&P 500 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
7.5% Performance triggered
1-Year Fixed Account
Fixed
3.5% Fixed
1-Year Nasdaq-100 PTP Cap Shield 15
Point to Point
Annual
14.5% Cap
3-Year MSCI EAFE PTP Cap Shield 15
Point to Point
Triennial
90% Cap
3-Year MSCI EAFE PTP Cap Shield 10
Point to Point
Triennial
140% Cap
1-Year Nasdaq-100 PTP Cap Shield 10
Point to Point
Annual
19.5% Cap
1-Year Nasdaq-100 PTP Cap Shield 25
Point to Point
Annual
10.25% Cap
6-Year Nasdaq-100 PTP Cap Shield 25
Point to Point
6-Year
85% Cap
6-Year Nasdaq-100 PTP Cap Shield 15
Point to Point
6-Year
130% Cap
6-Year Nasdaq-100 PTP Cap Shield 10
Point to Point
6-Year
145% Cap
1-Year Russell 2000 PTP Cap Shield 15
Point to Point
Annual
16% Cap
6-Year MSCI EAFE PTP Cap Shield 25
Point to Point
6-Year
125% Cap
3-Year S&P 500 PTP Cap Shield 10
Point to Point
Triennial
140% Cap
6-Year Russell 2000 PTP Cap Shield 25
Point to Point
6-Year
80% Cap
3-Year Russell 2000 PTP Cap Shield 10
Point to Point
Triennial
100% Cap
3-Year Nasdaq-100 PTP Cap Shield 10
Point to Point
Triennial
70% Cap
3-Year Nasdaq-100 PTP Cap Shield 15
Point to Point
Triennial
55% Cap
3-Year Russell 2000 PTP Cap Shield 15
Point to Point
Triennial
65% Cap
3-Year S&P 500 PTP Cap Shield 15
Point to Point
Triennial
90% Cap
1-Year MSCI EAFE PTP Cap Shield 25
Point to Point
Annual
9% Cap
1-Year Russell 2000 PTP Cap Shield 25
Point to Point
Annual
11% Cap
1-Year S&P 500 PTP Cap Shield 25
Point to Point
Annual
8.25% Cap
1-Year S&P 500 PTP Cap Shield 15
Point to Point
Annual
12% Cap
1-Year MSCI EAFE PTP Cap Shield 15
Point to Point
Annual
13.5% Cap
1-Year MSCI EAFE PTP Cap Shield 10
Point to Point
Annual
20% Cap
6-Year S&P 500 PTP Cap Shield 25
Point to Point
6-Year
125% Cap
6-Year S&P 500 PTP Cap Shield 15
Point to Point
6-Year
275% Cap
6-Year Russell 2000 PTP Cap Shield 15
Point to Point
6-Year
105% Cap
6-Year MSCI EAFE PTP Cap Shield 15
Point to Point
6-Year
200% Cap
6-Year MSCI EAFE PTP Cap Shield 10
Point to Point
6-Year
275% Cap
6-Year Russell 2000 PTP Cap Shield 10
Point to Point
6-Year
135% Cap
6-Year S&P 500 PTP Cap Shield 10
Point to Point
6-Year
425% Cap
1-Year Russell 2000 PTP Cap Shield 10
Point to Point
Annual
21.5% Cap
1-Year S&P 500 PTP Cap Shield 10
Point to Point
Annual
17.5% Cap
2-Year Nasdaq-100 Shield 15 with Step Rate
Performance Triggered
Biennial
20% Performance triggered
1-Year Nasdaq-100 Shield 10 with Step Rate
Performance Triggered
Annual
12.5% Performance triggered
2-Year Nasdaq-100 Shield 10 with Step Rate
Performance Triggered
Biennial
22.5% Performance triggered
1-Year S&P 500 Shield 10 with Step Rate
Performance Triggered
Annual
10.5% Performance triggered
2-Year MSCI EAFE Shield 10 with Step Rate
Performance Triggered
Biennial
18.5% Performance triggered
2-Year MSCI EAFE Shield 15 with Step Rate
Performance Triggered
Biennial
16% Performance triggered
2-Year Russell 2000 Shield 15 with Step Rate
Performance Triggered
Biennial
21% Performance triggered
2-Year Russell 2000 Shield 10 with Step Rate
Performance Triggered
Biennial
23% Performance triggered
2-Year S&P 500 Shield 15 with Step Rate
Performance Triggered
Biennial
18.5% Performance triggered
2-Year S&P 500 Shield 10 with Step Rate
Performance Triggered
Biennial
20% Performance triggered
1-Year Nasdaq-100 Shield 15 with Step Rate
Performance Triggered
Annual
11% Performance triggered
1-Year MSCI EAFE Shield 15 with Step Rate
Performance Triggered
Annual
8.25% Performance triggered
1-Year Russell 2000 Shield 15 with Step Rate
Performance Triggered
Annual
11.25% Performance triggered
1-Year S&P 500 Shield 15 with Step Rate
Performance Triggered
Annual
9.5% Performance triggered
1-Year MSCI EAFE Shield 10 with Step Rate
Performance Triggered
Annual
9% Performance triggered
1-Year Russell 2000 Shield 10 with Step Rate
Performance Triggered
Annual
12.75% Performance triggered

Surrender schedule

Year
Penalty

Riders

Name Inbuilt Fee
Market Growth Yes 1.50% annually (2.00% max)
Market Growth with Rollup Yes 1.50% annually (2.00% max)

Waivers

No Waivers for Shield Level Pay Plus Advisory annuity.

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