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 07/01/2022

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 17.00% 10%
Russell 2000® Index 17.00% 10%
MSCI EAFE Index 17.00% 10%
S&P 500® Index 11.00% 15%
Russell 2000® Index 11.00% 15%
MSCI EAFE Index 11.00% 25%
S&P 500® Index 7.00% 25%
Russell 2000® Index 7.00% 25%
MSCI EAFE Index 7.00% 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 60.00% 10%
Russell 2000® Index 40.00% 10%
MSCI EAFE Index 70.00% 10%
S&P 500® Index 35.00% 15%
Russell 2000® Index 30.00% 15%
MSCI EAFE Index 50.00% 15%
Index 6-Year Cap Rate Buffer
S&P 500® Index 300.00% 10%
Russell 2000® Index 140.00% 10%
MSCI EAFE Index 300.00% 10%
S&P 500® Index 185.00% 15%
Russell 2000® Index 120.00% 15%
MSCI EAFE Index 200.00% 15%
S&P 500® Index 85.00% 25%
Russell 2000® Index 70.00% 25%
MSCI EAFE Index 150.00% 25%
Index Step Rate Buffer
S&P 500® Index  11.00% 10%
Russell 2000® Index  11.00% 10%
MSCI EAFE Index  11.00% 10%
Rate
1.75%

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 and Oregon)

Brighthouse logo

Brighthouse Shield Level Select 3-Year Annuity

Index Cap Rate Buffer**
S&P 500® Index  14.00% 10%
Russell 2000® Index  14.00% 10%
MSCI EAFE Index 14.00% 10%
S&P 500® Index  8.00% 15%
Russell 2000® Index  8.00% 15%
MSCI EAFE Index 8.00% 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 25.00% 10% 
Russell 2000® Index  25.00% 10% 
MSCI EAFE Index 35.00% 10% 
S&P 500® Index 20.00% 15% 
Russell 2000® Index  20.00% 15% 
MSCI EAFE Index 30.00% 15% 
Index Step Rate Buffer
S&P 500® Index 9.00% 10%
Russell 2000® Index 9.00% 10%
MSCI EAFE Index 9.00% 10%
Rate
1.75%

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  • Get started today.

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