Historical Price Returns

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1 ANNUITIES SINGLE PREMIUM DEFERRED Brighthouse Shield Level 10 SM Annuity Historical Price Returns Over the long term, history has shown that equities can be a powerful way to help grow your assets and keep pace with inflation. But caution is warranted. Over the short term, equities don t always travel in an upward direction and may stumble. That s why Brighthouse Financial 1 offers the Brighthouse Shield Level 10 SM Annuity to help you invest while feeling comfortable with the amount of risk you re taking. Help protect a portion of your retirement assets and potentially get better growth than you could get with some conservative investments 2 by tracking up to three indices. These indices are diversified among large cap, small cap, and international stocks. 3 Use this guide to help familiarize yourself with the indices tracked by Shield Level 10 and their historical annual price returns. 4 Annual Percentage Change Source: Morningstar Direct, 1/17. RUT Price Return, Russell Investments. Past performance is not a guarantee of future performance. Market indices referenced are not managed and are used as a measurement of the value of a section of the stock market. Information about indices is provided to illustrate historical market trends and does not represent the performance of any specific investment. You cannot invest directly in an index. You can choose from: S&P 500 Index A Russell 2000 Index B MSCI EAFE Index C Please note: Shield Level 10 does not invest directly in any index. With Shield Level 10 you can choose from three indices, with or without a Step Rate, offering a 10% level of protection. If your chosen index is down at the end of your term, Brighthouse Financial 1 will absorb the first 10% of index loss. Because your account value will be reduced by any negative index performance beyond your level of protection, 5 there is risk of substantial loss if you do not elect the Fixed Account, 6 if available. All contract guarantees, including the death benefit and annuity payout rates, are subject to the claims-paying ability and financial strength of Brighthouse Life Insurance Company and in New York, only by Brighthouse Life Insurance Company of NY, the issuing insurance companies. Each issuing insurance company is solely responsible for its own financial condition and contractual obligations. 1 Shield Level 10 is issued by Brighthouse Life Insurance Company and in New York, only by Brighthouse Life Insurance Company of NY, which are referred to throughout this material as Brighthouse Financial. Brighthouse Financial is the brand name for Brighthouse Life Insurance Company and Brighthouse Life Insurance Company of NY. 2 Conservative investments have varying levels of risks, and contain different features and guarantees. 3 Diversification does not ensure a profit or protect against a loss. Brighthouse Financial reserves the right to substitute any index at any time. 4 The respective price return of each index is from January 1 st of any particular year to December 31 st of the same year. 5 In the contract and prospectus, the level(s) of protection is referred to as Shield Rate. 6 The Fixed Account may not be available in all states.

2 S&P 500 Index A The Index includes 500 large cap stocks from leading companies in leading industries of the U.S. economy, capturing approximately 80% coverage of U.S. equities by market capitalization. Over the past 60 calendar years, the S&P 500 Index has experienced losses at the end of 16 of those years. Of those 16 down years: 4 years experienced a loss of greater than 15% 7 years experienced a loss between 10%-15% 5 years experienced a loss of less than 10% Historical Performance Since 1957 Year Starting Value Ending Value Price Return (%) Year Starting Value Ending Value Price Return (%) The table below reflects the historical price returns of the available index over a 1-year period on a rolling monthly basis (referred to as observations) and demonstrates how often the Shield Level 10 would have protected you from loss. Historical Price Returns * S&P 500 Index Average Return 1-Year Rolling Period 8.02% Total Observations 708 % of Total Gains 71.9% % of Total Losses 28.1% Percentage of observations when index returns occurred above the Shield Rate protection level. Index Return was -10% or above (Shield 10) 85.6% Did you know? If you had purchased the Shield Level 10 and selected this Index, you would have been protected from a market loss or experienced a gain 85.6% of the time. The other 14.4% of the time your loss would have been reduced because Brighthouse Financial absorbs the first 10% of your loss.

3 Russell 2000 Index B The Index measures the performance of the small-cap segment of the U.S. equity universe. The Russell 2000 is a subset of the Russell 3000 Index representing approximately 10% of the total market capitalization of that index. It includes approximately 2000 of the smallest securities based on a combination of their market cap and current index membership. Over the past 30 calendar years, the Russell 2000 Index has experienced losses at the end of 10 of those years. Of those 10 down years: 3 years experienced a loss of greater than 15% 1 year experienced a loss between 10%-15% 6 years experienced a loss of less than 10% Historical Performance Since 1987 Year Starting Value Ending Value Price Return (%) Year Starting Value Ending Value Price Return (%) The table below reflects the historical price returns of the available index over a 1-year period on a rolling monthly basis (referred to as observations) and demonstrates how often the Shield Level 10 would have protected you from loss. Historical Price Returns * Russell 2000 Index Average Return 1-Year Rolling Period 10.95% Total Observations 444 % of Total Gains 71.6% % of Total Losses 28.4% Percentage of observations when index returns occurred above the Shield Rate protection level. Index Return was -10% or above (Shield 10) 84.0% Did you know? If you had purchased the Shield Level 10 and selected this Index, you would have been protected from a market loss or experienced a gain 84% of the time. The other 16% of the time your loss would have been reduced because Brighthouse Financial absorbs the first 10% of your loss. * These examples are not representative of past or future performance for any Shield Option. Actual performance may be greater or less than what is shown. Performance may differ due to the Cap Rate, Step Rate, and level of protection. Shield Level 10 does not invest directly in any index.

4 MSCI EAFE Index C The Index (Europe, Australasia, Far East) is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the U.S. and Canada. As of the date of the prospectus, the MSCI EAFE Index consists of the following 21 developed market country indices: Australia, Austria, Belgium, Denmark, Finland, France, Germany, Hong Kong, Ireland, Israel, Italy, Japan, the Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, and the United Kingdom. Over the past 47 calendar years, the MSCI EAFE Index has experienced losses at the end of 16 of those years. Of those 16 down years: 7 years experienced a loss of greater than 15% 3 years experienced a loss between 10%-15% 6 years experienced a loss of less than 10% Historical Performance Since Inception Year Starting Value Ending Value Price Return (%) Year Starting Value Ending Value Price Return (%) The table below reflects the historical price returns of the available index over a 1-year period on a rolling monthly basis (referred to as observations) and demonstrates how often the Shield Level 10 would have protected you from loss. Historical Price Returns * MSCI EAFE Index Average Return 1-Year Rolling Period 8.72% Total Observations 552 % of Total Gains 67.2% % of Total Losses 32.8% Percentage of observations when index returns occurred above the Shield Rate protection level. Index Return was -10% or above (Shield 10) 81.9% Did you know? If you had purchased the Shield Level 10 and selected this Index, you would have been protected from a market loss or experienced a gain 81.9% of the time. The other 18.1% of the time your loss would have been reduced because Brighthouse Financial absorbs the first 10% of your loss.

5 Shield Level 10: A Closer Look The Shield Level 10 annuity is a long-term financial product designed for retirement purposes. In simplest terms, it s a contract between you and an insurance company that lets you pursue the accumulation of assets on a tax-deferred basis. 7 You may take withdrawals or lifetime income payments at some later date. If you take a withdrawal too soon, a withdrawal charge may apply. With Shield Level 10, you seek to accumulate assets by tracking one or more of the available indices and/or the Fixed Account for a 1-year term. At the end of the term, your account value will increase or decrease depending on index performance, your level of protection and your Maximum Growth Opportunity, which is referred to as Cap Rate in the contract and prospectus, or Step Rate. Although Shield Level 10 may be an appropriate choice for some people as a part of their overall retirement portfolio, it is not suitable for everyone. Please read the prospectus and speak with your financial professional to see if it is right for you. 7 If you re buying an annuity to fund a qualified retirement plan or IRA, you should do so for the annuity s features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the annuity. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration. Diversification does not ensure a profit or protect against a loss. In addition, non-qualified annuity contracts owned by corporations do not receive tax deferral on earnings. A The S&P 500 Index is a product of S&P Dow Jones Indices LLC ( SPDJI ), and has been licensed for use by affiliates of Brighthouse Financial, Inc. including Brighthouse Services, LLC, Brighthouse Life Insurance Company, and Brighthouse Life Insurance Company of NY (collectively, Brighthouse Financial ). Standard & Poor s, S&P and S&P 500 are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Brighthouse Financial. This annuity product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. B The Russell 2000 Index is a trademark of Russell Investments and has been licensed for use by affiliates of Brighthouse Financial, Inc. including Brighthouse Services, LLC, Brighthouse Life Insurance Company, and Brighthouse Life Insurance Company of NY (collectively, Brighthouse Financial ). This annuity product is not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in this annuity product. C This annuity product is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or securities or any index on which such products or securities are based. This annuity product s Prospectus contains a more detailed description of the limited relationship MSCI has with affiliates of Brighthouse Financial, Inc. including Brighthouse Services, LLC, Brighthouse Life Insurance Company, and Brighthouse Life Insurance Company of NY (collectively, Brighthouse Financial ) and any related products.

6 This material must be preceded or accompanied by a prospectus for the Brighthouse Shield Level 10 SM Annuity issued by Brighthouse Life Insurance Company, and in New York only, Brighthouse Life Insurance Company of NY, which are available from your financial professional. The contract prospectus contains information about the contract s features, risks, charges and expenses. Clients should read the prospectus and consider this information carefully before investing. Product availability and features may vary by state. Brighthouse Financial reserves the right to substitute any index at any time. The Brighthouse Shield Level 10 Annuity is a long-term investment designed for retirement purposes and has limitations, exclusions, charges, termination provisions and terms for keeping it in force. There is a risk of substantial loss of principal for losses beyond the Shield Rate, because you agree to absorb all losses that exceed your Shield Rate. Please refer to Risk Factors in the contract prospectus for more details. All contract guarantees, including the annuity payout rates, are subject to the claims-paying ability and financial strength of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities, and none make any representations or guarantees regarding the claims-paying ability and financial strength of the issuing insurance company. Similarly, the issuing insurance company and the underwriter do not back the financial strength of the broker/dealer or its affiliates. Please contact your financial professional for complete details. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% federal income tax penalty. Some broker/dealers and financial professionals may refer to the 10% federal income tax penalty as an additional tax or additional income tax, or use the terms interchangeably when discussing withdrawals taken prior to age 59½. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution tax that is generally imposed on interest, dividends, and annuity income if your modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. The Brighthouse Shield Level 10 Annuity is issued by Brighthouse Life Insurance Company on Policy Form L (09/12) and in New York, only by Brighthouse Life Insurance Company of NY on Policy Form ML (09/12) (collectively and singly, Brighthouse Financial ). These products are distributed by Brighthouse Securities, LLC (member FINRA). All are Brighthouse Financial companies. MetLife, a registered service mark of Metropolitan Life Insurance Company, is used under license to Brighthouse Services, LLC and its affiliates. brighthousefinancial.com Not A Deposit Not FDIC Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union May Go Down In Value Brighthouse Life Insurance Company North Community House Road Charlotte, NC brighthousefinancial.com Brighthouse Life Insurance Company of NY 285 Madison Avenue New York, NY CLVA BRIGHTHOUSE FINANCIAL, INC. L [0320]