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 12/01/2022

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 24.00% 10%
Russell 2000® Index 24.00% 10%
MSCI EAFE Index 23.50% 10%
S&P 500® Index 19.00% 15%
Russell 2000® Index 19.00% 15%
MSCI EAFE Index 18.50% 25%
S&P 500® Index 13.50% 25%
Russell 2000® Index 13.50% 25%
MSCI EAFE Index 13.00% 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 110.00% 10%
MSCI EAFE Index 130.00% 10%
S&P 500® Index 90.00% 15%
Russell 2000® Index 85.00% 15%
MSCI EAFE Index 90.00% 15%
Index 6-Year Cap Rate Buffer
S&P 500® Index 500.00% 10%
Russell 2000® Index 200.00% 10%
MSCI EAFE Index 500.00% 10%
S&P 500® Index 400.00% 15%
Russell 2000® Index 160.00% 15%
MSCI EAFE Index 400.00% 15%
S&P 500® Index 175.00% 25%
Russell 2000® Index 120.00% 25%
MSCI EAFE Index 175.00% 25%
Index Step Rate Buffer
S&P 500® Index  15.50% 10%
Russell 2000® Index  15.50% 10%
MSCI EAFE Index  15.00% 10%
Rate
3.00%

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  20.00% 10%
Russell 2000® Index  20.00% 10%
MSCI EAFE Index 19.50% 10%
S&P 500® Index  15.00% 15%
Russell 2000® Index  15.00% 15%
MSCI EAFE Index 14.50% 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 100.00% 10% 
Russell 2000® Index  100.00% 10% 
MSCI EAFE Index 100.00% 10% 
S&P 500® Index 75.00% 15% 
Russell 2000® Index  75.00% 15% 
MSCI EAFE Index 75.00% 15% 
Index Step Rate Buffer
S&P 500® Index 12.50% 10%
Russell 2000® Index 12.50% 10%
MSCI EAFE Index 12.00% 10%
Rate
3.00%

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