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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Shield Level Select Advisory

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Highlights

Brighthouse Shield Level Select 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. 
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
Type
Registered Index-Linked
Purpose Accumulation
Surrender schedule
No Surrender Charge
Free withdrawal
100%
Market value adjustment
Return of premium
Launch date
07/24/2017
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
Brochure
Open brochure

Find out if the Shield Level Select Advisory is the right product for you.

Premium Notes

Performance Lock Feature 
  • On any business day during a term, you may choose to lock the closing index value of an applicable Shield Option with a Cap Rate, as long as it is higher than the index value at the beginning of the term. 
  • The Locked Index Value will be used for the remainder of the term to calculate the index performance for the Shield Option. 
  • Once the Performance Lock has taken effect, a Performance Lock Factor is applied to the Interim Value each day during the term and is used in the calculation of the investment amount at the term end date. 
  • The Performance Lock can take effect one time during a term. 
  • The Locked Index Value is the closing index value on the business day in which the Performance Lock takes effect. 
  • Any Performance Lock request received, in good order, after the close of business will be considered received on the next business day. 
  • The Performance Lock is irrevocable once it has taken effect.
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.

Allocation Accounts

Name Type Rates
2-Year Nasdaq-100 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
16.5% Performance triggered
1-Year S&P 500 Shield 10 with Step Rate Edge
Step Rate Edge
Annual
8.5% Performance triggered
1-Year S&P 500 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
7.5% Performance triggered
2-Year S&P 500 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
17% Performance triggered
2-Year S&P 500 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
15% Performance triggered
1-Year Russell 2000 Shield 10 with Step Rate Edge
Step Rate Edge
Annual
10.5% Performance triggered
1-Year Russell 2000 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
8.5% Performance triggered
2-Year Russell 2000 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
19% Performance triggered
2-Year Russell 2000 Shield 15 with Step Rate Edge
Step Rate Edge
Biennial
17% 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
10.5% Performance triggered
1-Year Nasdaq-100 Shield 15 with Step Rate Edge
Step Rate Edge
Annual
8.5% Performance triggered
2-Year Nasdaq-100 Shield 10 with Step Rate Edge
Step Rate Edge
Biennial
19% 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
19.5% 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
130% 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
70% Cap
6-Year Nasdaq-100 PTP Cap Shield 25
Point to Point
6-Year
95% 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
17.5% 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
90% 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
125% Cap
6-Year S&P 500 PTP Cap Shield 15
Point to Point
6-Year
375% Cap
6-Year S&P 500 PTP Cap Shield 10
Point to Point
6-Year
525% Cap
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
9.5% 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
1-Year S&P 500 Shield 10 with Step Rate
Performance Triggered
Annual
10.5% Performance triggered
1-Year Nasdaq-100 Shield 10 with Step Rate
Performance Triggered
Annual
12.5% Performance triggered
2-Year Russell 2000 Shield 10 with Step Rate
Performance Triggered
Biennial
23% Performance triggered
1-Year Russell 2000 Shield 15 with Step Rate
Performance Triggered
Annual
11.25% 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
11% Performance triggered
2-Year S&P 500 Shield 10 with Step Rate
Performance Triggered
Biennial
20% Performance triggered
2-Year S&P 500 Shield 15 with Step Rate
Performance Triggered
Biennial
18.5% Performance triggered
2-Year Nasdaq-100 Shield 10 with Step Rate
Performance Triggered
Biennial
22.5% Performance triggered
2-Year Nasdaq-100 Shield 15 with Step Rate
Performance Triggered
Biennial
20% 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

Surrender schedule

Year
Penalty

Riders

No Riders for Shield Level Select Advisory annuity.

Waivers

No Waivers for Shield Level Select Advisory annuity.

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