Registered index-linked annuities offered through Schwab.

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