You’re being redirected to the application you selected.

Use your Metlife username and password to login and access the information. If you have trouble loggin in, please call us at (800) 504-0739.

Cancel Go

Fixed Rate Annuities

Retirement is a time for your clients to finally take advantage of the plans they’ve made – and worry less about how they’re going to pay for them.

Begin Application

An effective plan to save for retirement may require a certain amount of participation in equity markets. But having some guaranteed growth in your client’s portfolio that’s protected from volatility in the stock market is a strategy that can help ensure their goals are met and their plans aren’t derailed by unexpected events.

Brighthouse Fixed Rate Annuity
  • Choice of Initial Guarantee Period (3, 5, 7 years)
  • Free Withdrawal Amount during and after Initial Guarantee Period
  • Tax Deferral
  • Optional Return of Premium
View Fixed Rate Annuity Rates
Brighthouse Fixed Rate Annuity MVA
  • Choice of Initial Guarantee Period (3, 5, 7 years)
  • Free Withdrawal Amount during and after Initial Guarantee Period
  • Tax Deferral
  • Limited Market Value Adjustment on certain withdrawals in excess of Free Withdrawal Amount
View Fixed Rate Annuity MVA Rates
Personalized Product Recommendation 5-Minute Tool

Annuity Snapshot Tool

Demonstrate to your clients how a fixed or income annuity can help them meet their retirement goals:

My client is a
year old
looking for
for retirement.

Guaranteed Growth

When it comes to saving for the future, here are two things you can count on:

  • Market volatility can be enough to scare even the most disciplined investors; and

  • By offering guaranteed growth, a Fixed Rate Annuity from Brighthouse Financial can add a level of certainty to your client’s retirement savings, providing added confidence for their retirement outlook.

The fixed interest rate the annuity earns is guaranteed for the Initial Guarantee Period you and your clients choose.2 This means that your clients’ money is growing steadily and will be there when the Guarantee Period has ended. This guaranteed growth and stability can make a fixed annuity an important part of a diversified portfolio.

Tax Deferral

In addition to guaranteed growth, your client may benefit from the tax deferral the annuity offers. Generally, taxes aren’t paid until money is withdrawn. And because taxes aren’t paid on the interest each year, your clients' hard-earned money stays hard at work until it is ready for them to use.1

  • Assets earn interest.

  • Interest earns interest.

  • Money otherwise paid to taxes earns interest during deferral.

Choice to Fit Your Needs

Choice of Initial Guarantee Period
You and your clients choose how long they want their money to grow (3, 5, or 7 years). Once your initial guarantee period ends, the contract will automatically renew into a subsequent guarantee period of one year at the then-current renewal interest rate, free of a withdrawal charge.

Access to Your Assets3
A valuable feature, known as the Free Withdrawal Amount, allows your clients to withdraw 10% of their Purchase Payment the first year and 10% of their Account Value each year thereafter, should the need arise. While a Withdrawal Charge may apply to amounts withdrawn in excess of the Free Withdrawal Amount, there are special circumstances where a withdrawal can be made without these charges, including:

  • Nursing Home Waiver4 – If your client becomes confined to a nursing home and/or hospital for 90 consecutive days or more.

  • Terminal Illness Waiver4 – If your client is diagnosed with a terminal illness, with a life expectancy of 12 months or less.

  • Required Minimum Distribution (RMD)5 – Your clients are able to make withdrawals for RMD purposes without a Withdrawal Charge.

  • Withdrawals after the Initial Guarantee Period – Once the Initial Guarantee Period elected has ended, you and your clients are able to make withdrawals free of any Withdrawal Charge.

Legacy Planning
Upon your client’s passing, their beneficiaries will receive the greater of the Account Value or Minimum Withdrawal Value.6

Guaranteed Income
Turn the assets into a steady stream of income payments (for one or two lives) that will last for a specific period of time or for as long as your clients live. This income is guaranteed to remain the same, even if the market declines.7

Resource Materials

Resource Materials

Merrill Lynch

Resource Materials

RJ

Resource Materials

CITI

false
How Can We Help?

1 If the client is buying an annuity to fund a qualified retirement plan or IRA, they should do so for the annuity’s features and benefits other than tax deferral. Tax deferral is generally a feature of a qualified retirement plan or IRA, so an annuity would not provide an additional tax deferral benefit. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration. The product described in this material is not made available to employer-sponsored qualified retirement plans. For non-qualified annuities, tax deferral is not available to corporations and certain other entities.

2 At the end of the initial guarantee period, the contract will automatically renew into a subsequent guarantee period of one year at the then-current renewal interest rate, and will no longer be subject to a withdrawal charge. For each subsequent guarantee period, a new renewal interest rate will be declared. Renewal interest rates will generally be lower than the Initial Guaranteed Interest Rate, but will not be less than the Minimum Guaranteed Interest Rate.

3 Withdrawals of taxable amounts are subject to ordinary income tax. Withdrawals made before age 59½ may also be subject to a 10% federal income tax penalty. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Net Investment Income Tax that is generally imposed on interest, dividends, and annuity income if the modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the death benefit and account value. Withdrawals may be subject to withdrawal charges.

4 These waivers are not available if you are over age 80 at contract issue. May not be available in all states; additional restrictions apply. Please ask your financial professional for details.

5 RMD payments are calculated for this contract only.

6 Minimum withdrawal value sets a minimum amount a client would receive on a full surrender, death, or annuitization if greater than the amount otherwise applicable. Please see the contract for full details.

7 Income payments can start 13 months after the issue date and must start by the maturity date, which is the contract anniversary after the owner’s 95th birthday.

This product is a long-term investment designed for retirement purposes. Product availability and features may vary by state or firm.

Brighthouse Fixed Rate Annuity and Brighthouse Fixed Rate Annuity MVA are insurance products and not insured by the FDIC, the NCUSIF, or any other government agency, nor are they guaranteed by, or the obligation of, the financial institution that sells them. All contract guarantees and annuity payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability and financial strength of the issuing insurance company. Similarly, the issuing insurance company does not back the financial strength of the broker/dealer or any of its affiliates.

Annuities from Brighthouse Financial have charges, termination provisions, and terms for keeping them in force. Please contact your financial professional for complete details.

Withdrawals of taxable amounts are subject to ordinary income tax. Withdrawals made before age 59½ may also be subject to a 10% federal income tax penalty. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Net Investment Income Tax that is generally imposed on interest, dividends, and annuity income if the modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the death benefit and account value. Withdrawals may be subject to withdrawal charges.

Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax, or accounting advice. Clients should confer with their qualified legal, tax, and accounting professionals as appropriate.

All guarantees, including any optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Each issuing insurance company is solely responsible for its own financial condition and contractual obligations.

Brighthouse Fixed Rate Annuity and Brighthouse Fixed Rate Annuity MVA are issued by Brighthouse Life Insurance Company, Charlotte, NC 28277, on Policy Form ICC18-8-300 and, in New York only, by Brighthouse Life Insurance Company of NY, New York, NY 10017, on Policy Form 7-300 (6/16) (“Brighthouse Financial”). Product availability and features may vary by state or firm.

Brighthouse Financial® and its design are registered trademarks of Brighthouse Financial, Inc. and/or its affiliates.