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 10/27/2025
The following products have a 6-year surrender charge period:
Brighthouse Shield® Level II 6-Year Annuity
Buffer and Cap Rates
(State availability may vary.)
Brighthouse Shield Level Select 6-Year Annuity
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Index Cap Rate Buffer S&P 500® Index 16.00% 10% Russell 2000® Index 22.00% 10% MSCI EAFE Index 21.50% 10% Nasdaq-100® Index 17.50% 10% S&P 500® Index 11.50% 15% Russell 2000® Index 16.50% 15% MSCI EAFE Index 15.50% 15% Nasdaq-100® Index 13.25% 15% S&P 500® Index 9.00% 25% Russell 2000® Index 11.75%25% MSCI EAFE Index 9.75% 25% Nasdaq-100® Index 10.00% 25% The 1-year Term with 15% Buffer & 25% Buffer are not available in NY.
The Nasdaq-100® Index is not available in IN, MO, NJ and NY. -
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% Nasdaq-100® Index 55.00% 10% S&P 500® Index 70.00% 15% Russell 2000® Index 55.00% 15% MSCI EAFE Index 90.00% 15% Nasdaq-100® Index 45.00% 15% The Nasdaq-100® Index is not available in IN, MO, NJ and NY.
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Index 6-Year Cap Rate Buffer S&P 500® Index 999.00% 10% Russell 2000® Index 130.00% 10% MSCI EAFE Index 300.00% 10% Nasdaq-100® Index 110.00% 10% S&P 500® Index 125.00% 15% Russell 2000® Index 100.00% 15% MSCI EAFE Index 200.00% 15% Nasdaq-100® Index 200.00% 15% S&P 500® Index 75.00% 25% Russell 2000® Index 75.00% 25% MSCI EAFE Index 110.00% 25% Nasdaq-100® Index 70.00% 25% The Nasdaq-100® Index is not available in IN, MO, NJ and NY.
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Index Step Rate Buffer S&P 500® Index 10.00% 10% Russell 2000® Index 13.00% 10% MSCI EAFE Index 9.50% 10% Nasdaq-100® Index 10.75% 10% S&P 500® Index 8.50% 15% Russell 2000® Index 11.00% 15% MSCI EAFE Index 8.50% 15% Nasdaq-100® Index 9.50% 15% The 1-year Term with Step Rate, 15% Buffer is not available in in IN, MO, NJ and NY.
The Nasdaq-100® Index is not available in IN, MO, NJ and NY. -
Index 2-Year Step Rate Buffer S&P 500® Index 17.00% 10% Russell 2000® Index 21.50% 10% MSCI EAFE Index 16.50% 10% Nasdaq-100® Index 18.00% 10% S&P 500® Index 15.00%15% Russell 2000® Index 19.00% 15% MSCI EAFE Index 14.50% 15% Nasdaq-100® Index 16.50% 15% The 2-year Term with Step Rate is not available in IN, MO, NJ and NY.
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Index 1-Year Step Rate Edge Buffer S&P 500® Index 16.50% 10% Russell 2000® Index 10.25% 10% MSCI EAFE Index 7.75% 10% Nasdaq-100® Index 9.00% 10% S&P 500® Index 7.00% 15% Russell 2000® Index 8.25% 15% MSCI EAFE Index 6.25% 15% Nasdaq-100® Index 7.50% 15% The 1-year Term with Step Rate Edge is not available in IN, MO, NJ and NY.
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Index 2-Year Step Rate Edge Buffer S&P 500® Index 15.00% 10% Russell 2000® Index 18.50% 10% MSCI EAFE Index 14.50% 10% Nasdaq-100® Index 16.25% 10% S&P 500® Index 13.00% 15% Russell 2000® Index 16.00% 15% MSCI EAFE Index 12.50% 15% Nasdaq-100® Index 12.50% 15% The 2-year Term with Step Rate Edge is not available in IN, MO, NJ and NY.
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Rate 3.50%
The following products have a 3-year surrender charge period:
Brighthouse Shield® Level II 3-Year Annuity
Buffer and Cap Rates
(State availability may vary.)
Brighthouse Shield Level Select 3-Year Annuity
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Index Cap Rate Buffer S&P 500® Index 12.00% 10% Russell 2000® Index 18.50% 10% MSCI EAFE Index 17.00% 10% Nasdaq-100® Index 14.00% 10% S&P 500® Index 9.00% 15% Russell 2000® Index 13.50% 15% MSCI EAFE Index 11.25% 15% Nasdaq-100® Index 11.25% 15% The Nasdaq-100® Index is not available in IN, MO, and NJ.
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Index 3-Year Cap Rate Buffer S&P 500® Index 40.00% 10% Russell 2000® Index 50.00% 10% MSCI EAFE Index 90.00% 10% Nasdaq-100® Index 40.00% 10% S&P 500® Index 30.00% 15% Russell 2000® Index 40.00% 15% MSCI EAFE Index 60.00% 15% Nasdaq-100® Index 30.00% 15% The Nasdaq-100® Index is not available in IN, MO, and NJ.
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Index Step Rate Buffer S&P 500® Index 8.50% 10% Russell 2000® Index 10.50% 10% MSCI EAFE Index 8.00% 10% Nasdaq-100® Index 9.25% 10% S&P 500® Index 7.00% 15% Russell 2000® Index 9.50% 15% MSCI EAFE Index 7.25% 15% Nasdaq-100® Index 8.25% 15% The 1-year Term with Step Rate, 15% Buffer is not available in in IN, MO and NJ.
The Nasdaq-100® Index is not available in IN, MO, and NJ. -
Index 2-Year Step Rate Buffer S&P 500® Index 15.00% 10% Russell 2000® Index 20.00% 10% MSCI EAFE Index 15.00% 10% Nasdaq-100® Index 16.25% 10% S&P 500® Index 13.00% 15% Russell 2000® Index 17.00% 15% MSCI EAFE Index 13.00% 15% Nasdaq-100® Index 14.50% 15% The 2-year Term with Step Rate is not available in IN, MO and NJ.
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Index 1-Year Step Rate Edge Buffer S&P 500® Index 7.00% 10% Russell 2000® Index 8.50% 10% MSCI EAFE Index 7.00% 10% Nasdaq-100® Index 8.00% 10% S&P 500® Index 5.75% 15% Russell 2000® Index 8.50% 15% MSCI EAFE Index 5.50% 15% Nasdaq-100® Index 6.75% 15% The 1-year Term with Step Rate Edge is not available in IN, MO and NJ.
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Index 2-Year Step Rate Edge Buffer S&P 500® Index 13.00% 10% Russell 2000® Index 16.50% 10% MSCI EAFE Index 13.00% 10% Nasdaq-100® Index 14.00% 10% S&P 500® Index 11.00% 15% Russell 2000® Index 14.25% 15% MSCI EAFE Index 11.00% 15% Nasdaq-100® Index
12.75%15% The 2-year Term with Step Rate Edge is not available in IN, MO and NJ.
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Rate 3.50%
Get started today.
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Get started today.
Call an annuity specialist at 888-311-4889 (option 2) to learn more.