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 07/12/2024

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 14.00% 10%
Russell 2000® Index 19.50% 10%
MSCI EAFE Index 17.00% 10%
Nasdaq-100® Index  16.00%  10% 
S&P 500® Index 10.00% 15%
Russell 2000® Index 14.50% 15%
MSCI EAFE Index 11.50% 15%
Nasdaq-100® Index  12.50%  15% 
S&P 500® Index 7.50% 25%
Russell 2000® Index 10.25% 25%
MSCI EAFE Index 8.25% 25%
Nasdaq-100® Index  9.25%  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 80.00% 15%
Nasdaq-100® Index  40.00%  15% 

The Nasdaq-100® Index is not available in IN, MO, NJ and NY.

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%
Nasdaq-100® Index  125.00%  10% 
S&P 500® Index 350.00% 15%
Russell 2000® Index 90.00% 15%
MSCI EAFE Index 200.00% 15%
Nasdaq-100® Index  100.00%  15% 
S&P 500® Index 100.00% 25%
Russell 2000® Index 75.00% 25%
MSCI EAFE Index 110.00% 25%
Nasdaq-100® Index  80.00%  25% 

The Nasdaq-100® Index is not available in IN, MO, NJ and NY.

Index Step Rate Buffer
S&P 500® Index  9.50% 10%
Russell 2000® Index  11.75% 10%
MSCI EAFE Index  8.50% 10%
Nasdaq-100® Index  11.00%  10% 
S&P 500® Index  8.50%  15% 
Russell 2000® Index  10.25%  15% 
MSCI EAFE Index  7.75%  15% 
Nasdaq-100® Index  10.00%  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  20.00%  10% 
MSCI EAFE Index  15.50%  10% 
Nasdaq-100® Index  19.50%  10% 
S&P 500® Index  15.50%  15% 
Russell 2000® Index  18.25%  15% 
MSCI EAFE Index  13.50%  15% 
Nasdaq-100® Index  17.50%  15% 

The 2-year Term with Step Rate is not available in IN, MO, NJ and NY.

Index  1-Year Step Rate Edge  Buffer 
S&P 500® Index  7.50%  10% 
Russell 2000® Index  9.00%  10% 
MSCI EAFE Index  7.25%  10% 
Nasdaq-100® Index  9.50%  10% 
S&P 500® Index  6.50%  15% 
Russell 2000® Index  7.50%  15% 
MSCI EAFE Index  5.75%  15% 
Nasdaq-100® Index  7.50%  15% 

The 1-year Term with Step Rate Edge is not available in IN, MO, NJ and NY.

Index 2-Year Step Rate Edge  Buffer
S&P 500® Index  14.50%  10% 
Russell 2000® Index  17.00%  10% 
MSCI EAFE Index  13.50%  10% 
Nasdaq-100® Index  16.50%  10% 
S&P 500® Index  12.50%  15% 
Russell 2000® Index  14.50%  15% 
MSCI EAFE Index  11.00%  15% 
Nasdaq-100® Index  14.00%  15% 

The 2-year Term with Step Rate Edge is not available in IN, MO, NJ and NY.

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  11.25% 10%
Russell 2000® Index  16.50% 10%
MSCI EAFE Index 14.00% 10%
Nasdaq-100® Index  13.50%  10% 
S&P 500® Index  9.00% 15%
Russell 2000® Index  11.50% 15%
MSCI EAFE Index 9.50% 15%
Nasdaq-100® Index  11.00%  15% 

The Nasdaq-100® Index is not available in IN, MO, and NJ.

Index 3-Year Cap Rate Buffer
S&P 500® Index 80.00% 10% 
Russell 2000® Index  55.00% 10% 
MSCI EAFE Index 90.00% 10% 
Nasdaq-100® Index  45.00%  10% 
S&P 500® Index 40.00% 15% 
Russell 2000® Index  40.00% 15% 
MSCI EAFE Index 50.00% 15% 
Nasdaq-100® Index  35.00%  15% 

The Nasdaq-100® Index is not available in IN, MO, and NJ.

Index Step Rate Buffer
S&P 500® Index 8.00% 10%
Russell 2000® Index 8.50% 10%
MSCI EAFE Index 7.75% 10%
Nasdaq-100® Index  9.75%  10% 
S&P 500® Index  7.50%  15% 
Russell 2000® Index  7.50%  15% 
MSCI EAFE Index  7.00%  15% 
Nasdaq-100® Index  8.75%  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  15.50%  10% 
Russell 2000® Index  18.00%  10% 
MSCI EAFE Index  14.25%  10% 
Nasdaq-100® Index  17.50%  10% 
S&P 500® Index  14.25%  15% 
Russell 2000® Index  15.50%  15% 
MSCI EAFE Index  12.75%  15% 
Nasdaq-100® Index  15.50%  15% 

The 2-year Term with Step Rate is not available in IN, MO and NJ.

Index 1-Year Step Rate Edge  Buffer
S&P 500® Index  7.00%  10% 
Russell 2000® Index  7.50%  10% 
MSCI EAFE Index  6.50%  10% 
Nasdaq-100® Index  8.75%  10% 
S&P 500® Index  6.00%  15% 
Russell 2000® Index  6.75%  15% 
MSCI EAFE Index  5.25%  15% 
Nasdaq-100® Index  7.00%  15% 

The 1-year Term with Step Rate Edge is not available in IN, MO and NJ.

Index  2-Year Step Rate Edge  Buffer 
S&P 500® Index  13.50%  10% 
Russell 2000® Index  15.50%  10% 
MSCI EAFE Index  12.25%  10% 
Nasdaq-100® Index  15.00%  10% 
S&P 500® Index  11.50%  15% 
Russell 2000® Index  13.50%  15% 
MSCI EAFE Index  10.25%  15% 
Nasdaq-100® Index
12.50%  15% 

The 2-year Term with Step Rate Edge is not available in IN, MO and NJ.

Rate

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