Shield Level II Advisory

Brighthouse Life Insurance Company
Shield Level II Advisory-brochure Shield Level II Advisory-brochure

Shield Level II Advisory

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Ratings:

  • A.M. Best A
  • Fitch A
  • S&P A+
  • Moody's A3
  • Comdex 76

About Product

Type
Registered Index-Linked
Purpose
Accumulation
Surrender schedule
No Surrender Charge
Fee withdrawal:
100%
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, Stretch IRA, NQ Stretch, and TSP
Launch Date
07/24/2017
 Brighthouse Shield Level II Advisory Annuity  is a long-term contract intended for retirement or other long-term investment purposes. It uses a portion of retirement assets to help take advantage of market growth opportunities with the assurance of a level of downside protection other investment options may not provide. A Shield annuity is an index-linked annuity that doesn’t invest directly in the chosen index or indices, but rather tracks their performance.

Interim Value
The Interim Value calculation uses a hypothetical portfolio approach which aligns with industry standards. The Interim Value for each Shield Option is equal to the sum of (1) the market value of the Fixed Income Asset Proxy and (2), the current market value of the Derivative Asset Proxy.

Performance Lock Feature
Each Shield Level II Annuity product offers the Performance Lock feature, which is available with all Shield Options (not available on Shield Level Pay Plus II). The Contract Owner will be able to lock the Interim Value once per Term. Performance Lock Value can be transferred to another Shield Option or the Fixed Account on any Contract Anniversary after the Performance Lock is exercised. Once the Performance Lock is exercised, it is irrevocable. 
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, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
2-Year Nasdaq-100 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
16% Performance triggered
1-Year S&P 500 Shield 10 with Step Rate Edge
Step Rate Edge
Annual
8.25% Performance triggered
1-Year S&P 500 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
7.25% Performance triggered
2-Year S&P 500 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
16% Performance triggered
2-Year S&P 500 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
14.5% Performance triggered
1-Year Russell 2000 Shield 10 with Step Rate Edge
Step Rate Edge
Annual
10% Performance triggered
1-Year Russell 2000 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
8.25% Performance triggered
2-Year Russell 2000 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
18.75% Performance triggered
2-Year Russell 2000 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
16.5% Performance triggered
1-Year MSCI EAFE Shield 15 with Step Rate Edge
Step Rate Edge
Annual
6.25% Performance triggered
2-Year MSCI EAFE Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
16% Performance triggered
2-Year MSCI EAFE Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
13.5% Performance triggered
1-Year Nasdaq-100 Shield 10 with Step Rate Edge
Step Rate Edge
Annual
9.75% Performance triggered
1-Year Nasdaq-100 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
8.25% Performance triggered
2-Year Nasdaq-100 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
18.25% Performance triggered
1-Year MSCI EAFE Shield 10 with Step Rate Edge
Step Rate Edge
Annual
7.75% Performance triggered
1-Year Fixed Account
Fixed
3.5% Fixed
1-Year MSCI EAFE PTP Cap Shield 25
Point to Point
Annual
9% Cap
3-Year Nasdaq-100 PTP Cap Shield 15
Point to Point
Triennial
55% Cap
1-Year Nasdaq-100 PTP Cap Shield 10
Point to Point
Annual
19% Cap
1-Year Nasdaq-100 PTP Cap Shield 15
Point to Point
Annual
14.5% Cap
1-Year Nasdaq-100 PTP Cap Shield 25
Point to Point
Annual
10.25% Cap
6-Year Nasdaq-100 PTP Cap Shield 15
Point to Point
6-Year
105% Cap
6-Year Nasdaq-100 PTP Cap Shield 10
Point to Point
6-Year
145% Cap
3-Year Nasdaq-100 PTP Cap Shield 10
Point to Point
Triennial
65% Cap
6-Year Nasdaq-100 PTP Cap Shield 25
Point to Point
6-Year
90% Cap
6-Year MSCI EAFE PTP Cap Shield 15
Point to Point
6-Year
225% Cap
1-Year S&P 500 PTP Cap Shield 10
Point to Point
Annual
16.5% 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
3-Year Russell 2000 PTP Cap Shield 15
Point to Point
Triennial
65% Cap
3-Year Russell 2000 PTP Cap Shield 10
Point to Point
Triennial
100% Cap
3-Year S&P 500 PTP Cap Shield 15
Point to Point
Triennial
75% Cap
3-Year S&P 500 PTP Cap Shield 10
Point to Point
Triennial
140% Cap
6-Year MSCI EAFE PTP Cap Shield 25
Point to Point
6-Year
135% Cap
1-Year S&P 500 PTP Cap Shield 25
Point to Point
Annual
8.25% Cap
6-Year MSCI EAFE PTP Cap Shield 10
Point to Point
6-Year
325% Cap
6-Year Russell 2000 PTP Cap Shield 25
Point to Point
6-Year
90% Cap
6-Year Russell 2000 PTP Cap Shield 15
Point to Point
6-Year
105% Cap
6-Year Russell 2000 PTP Cap Shield 10
Point to Point
6-Year
150% Cap
6-Year S&P 500 PTP Cap Shield 25
Point to Point
6-Year
110% Cap
6-Year S&P 500 PTP Cap Shield 15
Point to Point
6-Year
225% Cap
6-Year S&P 500 PTP Cap Shield 10 Uncapped (Most States)
Point to Point
6-Year
1-Year Russell 2000 PTP Cap Shield 25
Point to Point
Annual
11% Cap
1-Year MSCI EAFE PTP Cap Shield 15
Point to Point
Annual
13.5% Cap
1-Year Russell 2000 PTP Cap Shield 15
Point to Point
Annual
16% Cap
1-Year S&P 500 PTP Cap Shield 15
Point to Point
Annual
12% Cap
1-Year MSCI EAFE PTP Cap Shield 10
Point to Point
Annual
20% Cap
1-Year Russell 2000 PTP Cap Shield 10
Point to Point
Annual
21.5% Cap
1-Year S&P 500 Shield 15 with Step Rate
Performance Triggered
Annual
9% 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
12.25% Performance triggered
1-Year S&P 500 Shield 10 with Step Rate
Performance Triggered
Annual
9.75% Performance triggered
1-Year Nasdaq-100 Shield 10 with Step Rate
Performance Triggered
Annual
11.75% Performance triggered
2-Year Russell 2000 Shield 10 with Step Rate
Performance Triggered
Biennial
21.25% Performance triggered
1-Year Russell 2000 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 Nasdaq-100 Shield 15 with Step Rate
Performance Triggered
Annual
10% Performance triggered
2-Year S&P 500 Shield 10 with Step Rate
Performance Triggered
Biennial
17.5% Performance triggered
2-Year S&P 500 Shield 15 with Step Rate
Performance Triggered
Biennial
16.25% Performance triggered
2-Year Nasdaq-100 Shield 10 with Step Rate
Performance Triggered
Biennial
20.5% Performance triggered
2-Year Nasdaq-100 Shield 15 with Step Rate
Performance Triggered
Biennial
18% Performance triggered
2-Year MSCI EAFE Shield 10 with Step Rate
Performance Triggered
Biennial
18% 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
19.5% Performance triggered
6-Year S&P 500 PTP Cap Shield 10 (Variation States)
Point to Point
6-Year
525% Cap

Riders

No Riders for Shield Level II Advisory annuity.

Waivers

No Waivers for Shield Level II Advisory annuity.

Premium Notes

Notes: 
  • TSP funds have to be rolled into an IRA.
  • If a NQ contract has already been stretched, we would not allow for a beneficiary to continue the payments or “inherit” the contract.
  • We will issue Inherited IRAs allowing for the Life Expectancy IRS exception (stretch) for Eligible Designated Beneficiaries (i.e., normal IRA stretch rules). This includes spouses and beneficiaries no more than 10 years younger than the original IRA owner

Withdrawal Provisions

Automated Withdrawals
A scheduled stream of monthly, quarterly, or annual withdrawals that may be taken from specified Shield Options and/or the Fixed Account, or proportionally from all Shield Options and the Fixed Account, as allocated. Automated required minimum distributions (RMDs) are available in any contract year. Automated withdrawals for purposes other than RMDs are available after the first contract year and may be subject to withdrawal charges if they exceed the Free Withdrawal Amount in a contract year. Other restrictions apply.

Withdrawal Charge: None.

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