Registered index-linked annuities offered through Schwab.

Intro - Current Rates

Current Rates

When selecting a registered index-linked annuity (RILA), there is key product terminology to know.  

  • Term (e.g., every 1, 3, or 6 years)—How often index performance is measured. The resulting index return, excluding dividends and subject to the cap rate and buffer, is credited to your account at the end of the term. 
  • Cap Rate—The maximum return you can earn when index performance is positive at the end of the term.
  • Buffer (also called "Shield Rate")—The maximum amount of loss the issuing insurance company will absorb if index performance is negative at the end of the term. 
  • Surrender Charge Period (also called "CDSC Period" or "Withdrawal Charge Period")—The length of time you need to keep your money in the product without incurring a withdrawal fee. 

Please see below for product prospectuses and other important information about the Brighthouse annuities.

Rates as of 09/21/2023

The following products have a 6-year surrender charge period:

Brighthouse Shield® Level Select 6-Year Annuity

Buffer and Cap Rates

(Not available in Alaska and Oregon)

Brighthouse logo

Brighthouse Shield Level Select 6-Year Annuity

Index Cap Rate Buffer*
S&P 500® Index 18.00% 10%
Russell 2000® Index 21.00% 10%
MSCI EAFE Index 18.00% 10%
S&P 500® Index 13.50% 15%
Russell 2000® Index 16.00% 15%
MSCI EAFE Index 13.00% 15%
S&P 500® Index 9.75% 25%
Russell 2000® Index 11.00% 25%
MSCI EAFE Index 9.00% 25%

*For the 1-year term, the 15% buffer and 25% buffer are not available in New York

Index 3-Year Cap Rate Buffer
S&P 500® Index 130.00% 10%
Russell 2000® Index 90.00% 10%
MSCI EAFE Index 130.00% 10%
S&P 500® Index 80.00% 15%
Russell 2000® Index 55.00% 15%
MSCI EAFE Index 80.00% 15%
Index 6-Year Cap Rate Buffer
S&P 500® Index 500.00% 10%
Russell 2000® Index 130.00% 10%
MSCI EAFE Index 300.00% 10%
S&P 500® Index 350.00% 15%
Russell 2000® Index 100.00% 15%
MSCI EAFE Index 200.00% 15%
S&P 500® Index 200.00% 25%
Russell 2000® Index 85.00% 25%
MSCI EAFE Index 120.00% 25%
Index Step Rate Buffer
S&P 500® Index  11.00% 10%
Russell 2000® Index  13.00% 10%
MSCI EAFE Index  10.00% 10%
Rate
3.50%

The following products have a 3-year surrender charge period:

Brighthouse Shield® Level Select 3-Year Annuity

Buffer and Cap Rates

(Not available in Alaska, New York and Oregon)

Brighthouse logo

Brighthouse Shield Level Select 3-Year Annuity

Index Cap Rate Buffer**
S&P 500® Index  15.50% 10%
Russell 2000® Index  18.00% 10%
MSCI EAFE Index 15.25% 10%
S&P 500® Index  12.00% 15%
Russell 2000® Index   13.00% 15%
MSCI EAFE Index 11.00% 15%

**For the 1-year term, the 15% buffer is not available in New York

Index 3-Year Cap Rate Buffer
S&P 500® Index 90.00% 10% 
Russell 2000® Index  65.00% 10% 
MSCI EAFE Index 90.00% 10% 
S&P 500® Index 50.00% 15% 
Russell 2000® Index  45.00% 15% 
MSCI EAFE Index 50.00% 15% 
Index Step Rate Buffer
S&P 500® Index 9.50% 10%
Russell 2000® Index 10.00% 10%
MSCI EAFE Index 9.25% 10%
Rate
3.50%

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    Call an annuity specialist at 888-311-4889 (option 2) to learn more.