Flexible Premium Adjustable Life Insurance Policy Illustration

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1 Flexible Premium Adjustable Life Insurance Policy Illustration Prepared for: Insured Name Prepared by: Attache Hardy Hardy and Associates Inc. 120 North House Rd. Charlotte, North Carolina, Tel: Fax: License Number: A Insurance Products: 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 Brighthouse Life Insurance Company North Community House Road Charlotte, NC This illustration is not valid unless accompanied by all pages. Brighthouse Premier Accumulator Universal Life insurance policy is issued by Brighthouse Life Insurance Company, North Community House Road, Charlotte, NC on policy form ICC This illustration cannot be used in the State of NY. Date Prepared: 06/30/ :17:15 PM Page 1 of 23 L [exp0320] PAUL 2017 V %4%2%75%4%10056%7%1%9%0%10%0311%14%7

2 Life Insurance Test: Accumulation Initial Premium Outlay Illustrated Coverage Annual Semi-Annual Quarterly Monthly Bank Draft Policy Premiums $100, $50, $25, $8, Total Amount $100, $50, $25, $8, Please note, you have the option of choosing to have your life insurance policy premiums billed on a mode other than annual. Any changes to the amount, frequency and timing of premium payments as illustrated will have a direct impact on the policy's values. If premiums are paid more frequently than annually, the cash values will be lower than the cash values under an annual premium scenario. About This Illustration This illustration shows values for Brighthouse Premier Accumulator Universal Life (Flexible Premium Adjustable Life Insurance) insurance policy, including any illustrated riders made part of this policy on a guaranteed and a non-guaranteed basis. This illustration does not change any provisions of your policy. Actual values and benefits may be more or less than those illustrated. If you apply for this policy and the insured's actual age, sex, or risk class, which is the basis on which the premiums are calculated, is different than shown above, the Representative will provide you with a revised illustration and can explain any differences to you. This illustration was designed to help you understand how this policy works and is not a projection of how it will perform on a non-guaranteed basis. A Brief Description of the Policy (Please read your policy for a more complete description and explanation of this coverage) Brighthouse Premier Accumulator (Flexible Premium Adjustable Life Insurance) is a permanent life insurance policy designed to allow flexible premiums and provide flexible death benefit protection. The non-guaranteed s and s are based on the amount of premium payments, charges, and the interest credited to the policy. Brighthouse Premier Accumulator Universal Life is a non-participating policy and does not pay dividends. The Minimum Annual Premium to Issue is $1, This may not be sufficient to continue the policy beyond the first year. Premium to Guarantee Coverage: $8, is the amount of the level annual premium that would guarantee coverage until maturity based on guaranteed expenses, charges and interest crediting rate assuming no loans, withdrawals or policy changes. A Continuation of the Policy Beyond Attained Age 121 provision is part of this policy. This provision provides for the continuation of the policy beyond the policy anniversary at the insured s attained age 121, provided the policy remains in force to age 121. For a Option A policy, the death benefit on or after attained age 121 will be the greater of: 1. the face amount of the policy on the date of the insured s death plus any rider death benefits determined as of the day prior to attained age 121 (unless otherwise indicated in the rider); or percent of the cash value on the date of the insured s death. Page 2 of 23 PAUL 2017 V %4%2%75%4%10056%7%2%9%0%10%0311%14%8

3 Life Insurance Test: Accumulation For a Option B policy, the death benefit on or after attained age 121 will be the face amount of the policy on the date of the insured s death; plus any rider death benefits determined as of the day prior to attained age 121 (if indicated in the rider); plus the cash value on the date of the insured s death. Premiums cannot be paid on or after the maturity date, unless they are required under a Grace Period provision due to an excess loan and there will be no monthly deduction taken on or after the maturity date. Paying additional premiums will increase the cash value. What is Guaranteed There is a guaranteed minimum interest crediting rate. All net premiums less partial withdrawals, loans and policy charges and expenses, are credited daily with an interest rate guaranteed to be no less than 2.00% on an annualized basis. The portion of the policy cash value securing a loan is credited daily with an interest rate guaranteed to be no less than 2.00% on an annualized basis. The policy contract includes maximum cost of insurance rates and guaranteed expense and policy charges. What is Non-Guaranteed The interest rate actually credited may or may not exceed the guaranteed minimum interest crediting rate. All net premiums less partial withdrawals, loans and policy charges and expenses, are credited daily with a non-guaranteed, current interest rate of 4.00% as of 6/30/2017. The portion of the policy cash value securing a loan is credited daily with a non-guaranteed, current interest rate of 2.00% as of 6/30/2017. The cost of insurance rates and expense and policy charges may or may not be less than the maximum guaranteed rates and charges as stated in the policy contract. If the non-guaranteed, current crediting rate exceeds the guaranteed minimum interest crediting rate or, if the non-guaranteed, current cost of insurance rates and expense and policy charges are less than the guaranteed maximum rates and charges, your policy s can increase beyond the guaranteed values, thereby increasing the value of your life insurance policy. This illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. Policy Charges and Expenses 1. A premium charge of 33.00% is assessed in the first year, 10.00% thereafter, until Target Premium is reached; and a premium charge of 3.00% is assessed in the first year, 5.00% thereafter after the Target Premium is reached under guaranteed assumptions on your policy. A premium charge of 33.00% is assessed in the first year, 8.00% thereafter, until Target Premium is reached and a premium charge of 3.00% is assessed in all years after Target Premium is reached under current assumptions on your policy. The Target Premium for your policy can be found in your contract, on page 4 of the Policy Specification pages and in the footer of this illustration. 2. A policy charge of $10.00 per month is assessed in all policy years. 3. The monthly coverage expense charge under guaranteed assumptions is $17.14 for years 1 through 20 and $0.00 thereafter. The monthly coverage expense charge under current assumptions is $15.58 for years 1 through 20 and $0.00 thereafter. These charges are calculated assuming that there are no Policy Changes; Policy Changes may change these charges. 4. The monthly cost of insurance is based on the insured s illustrated risk class. This amount will vary depending on the specifics of your policy. The monthly cost of insurance is calculated using a guaranteed rate or, for non-guaranteed values, the Company s current rate if lower. Charges This policy does not have Charges. Page 3 of 23 PAUL 2017 V %4%2%75%4%10056%7%3%9%0%10%0311%14%9

4 Life Insurance Test: Accumulation Additional Riders The following are descriptions of riders that have been included in this illustration. These riders are subject to limitations and exclusions which are not set forth below. Please read a specimen policy for a more detailed description of this rider, including any charges. Chronic and Terminal Care Rider The Chronic and Terminal Care Rider provides early access to the policy s death benefit on a tax favorable basis when the insured suffers from a chronic or terminal illness. For chronic illnesses, an amount up to the Maximum Annual Amount can be requested once per calendar until the Maximum Lifetime Amount has been paid. A one-time payment for an amount up to the Maximum Amount can be requested for terminal illnesses. At-Issue Maximum Annual Amount: $47,730 At-Issue Maximum Lifetime Amount: $178,988 To qualify for rider payments, the insured s chronic or terminal illness must be certified by a physician within the prior 12 months. Chronic illness is defined as (a) being permanently unable to perform, without Substantial Assistance from another individual, two or more Activities of Daily Living (bathing, dressing, transferring, toileting, continence, and eating) due to a loss of functional capacity and has been unable to do so for at least 90 days; or (b) requiring Substantial Supervision to protect the Insured from threats to health and safety due to permanent Severe Cognitive Impairment. Terminal illness is defined as the Insured has been certified by a physician as having a medical condition that will result in the death of the Insured within 12 months from the date of the physician s certification. Please review the Chronic and Terminal Care Rider Example page for more information. Page 4 of 23 PAUL 2017 V %4%2%75%4%10056%7%4%9%0%10%0311%14%A

5 Life Insurance Test: Accumulation Life Insurance policies such as Brighthouse Premier Accumulator Universal Life must satisfy Section 7702 of the Code. This policy is intended to satisfy Section 7702 of the code by meeting the requirements of the cash value accumulation test (CVAT), the payable on the death of the insured will never be less than the minimum amount necessary to cause the policy to meet the cash value accumulation test set forth in Section 7702(b) of the Code, as in effect on the date the policy was issued. In order to receive favorable tax treatment under the Code on policy distributions,life insurance policy premiums must be within certain limits during the first 7 policy years and during the first 7 policy years after certain policy changes. Distributions include surrender or withdrawal of policy values, policy loans or pledges to secure a loan. Failure to satisfy this limitation would cause the policy to become a Modified Endowment Contract (MEC) and cause distributions to be taxable (and possibly subject to a tax penalty if received before the recipient s age 59 1/2) to the extent there is a gain (generally, in excess of remaining basis) in the policy. As illustrated, based on the non-guaranteed charge and variable rate, this policy becomes a MEC in policy year 1. Proceeds from this policy are generally received by the beneficiary income tax free, subject to certain transferfor-value and other rules. In particular, in the case of a business owned policy, the provisions of section 101 (j) of the Code may limit the amount of the excludable from gross income unless a specified exception applies and a notice and consent requirement is satisfied. In most cases, you will not pay income taxes on Policy withdrawals, from a non MEC policy, until your cumulative withdrawn amounts exceed the cumulative premiums you have paid. If the policy becomes a MEC, you will pay income taxes on loans and withdrawals to the extent of any gains (generally the cash value in excess of the premiums paid, minus any nontaxable distributions). In this case, an additional 10% penalty may also apply to recipients younger than 59 1/2. The death benefit may be subject to federal and state estate taxes, but your beneficiary will generally not be subject to federal income tax on the death benefit. A Word About Taxes This illustration assumes a tax bracket of 28.00%. Please also note, if you surrender your policy, or if your policy lapses while loans are outstanding, income tax could be payable on borrowed amounts. Any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. You should consult with and rely on your own independent legal and tax advisers regarding your particular set of facts and circumstances. Page 5 of 23 PAUL 2017 V %4%2%75%4%10056%7%5%9%0%10%0311%14%B

6 Life Insurance Test: Accumulation Interest Adjusted Indexes These indexes provide a means for evaluating the comparative cost of the policy under stated assumptions. In computing the indexes, an assumed rate of interest is applied in averaging the premiums paid and benefits available over a stated period of time, taking into account the time value of money. They can be useful in comparing Universal Life coverages only if the same premium and death benefit are assumed for each policy being compared. A lower index is better than a higher one. Indexes are approximate because they involve assumptions, including the rate of interest used. Interest Adjusted Indexes based on a 5.00% interest rate for the base policy: End of 10 Yrs. GUARANTEED End of 20 Yrs. NON-GUARANTEED End of 10 Yrs. End of 20 Yrs. Life Insurance Net Payment Cost Index $51.68 $32.02 $51.67 $32.02 Life Insurance Cost Index $20.15 $22.59 $11.81 $13.45 The difference between the total premiums paid and the cash value should not be used as the basis for determining policy cost. Page 6 of 23 PAUL 2017 V %4%2%75%4%10056%7%6%9%0%10%0311%14%C

7 Life Insurance Test: Accumulation Premium Outlay columns below reflect the total of the annualized premium assumed to be paid during the policy year, less any values surrendered (partial withdrawals), less any current loan, plus any loan interest paid out of pocket or any repayment of loans. This column assumes that premium payments are made as scheduled at the beginning of the modal period. End of Based on Guarantees Only At the Midpoint Scale At the Current Scale Premium Premium Premium Outlay Outlay Outlay Year , , , , , ,417 Year , , , , , ,078 Year , , , , , ,650 At Age , , , , , ,650 Total to Age , , ,000 Based on Guarantees only, the policy would cease to be in force during policy year 28. At the Midpoint interest rate, the policy would cease to be in force during policy year 32. Signatures I have received a copy of this 23 page illustration and understand that any non-guaranteed elements illustrated are subject to change and could be either higher or lower. The Representative has told me that these elements are not guaranteed. I also understand the Riders that can be applied for on this policy, and all terms and conditions of these Riders have been explained to me. This illustration may reflect future changes to the death benefit, the death benefit option, risk classifications or riders being terminated. It may also show future loans, withdrawals, and premium changes. These changes are included for illustrative purposes only. We will not process any policy changes until you request the change in writing. Please review your policy for details on when the changes will take effect. (Applicant) Date I certify that this illustration has been presented to the applicant in its entirety and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with the illustration. (Representative) Date Page 7 of 23 PAUL 2017 V %4%2%75%4%10056%7%7%9%1%10%0311%14%E

8 Life Insurance Test: Accumulation Year Year is the policy year. Age Age is the age the insured has attained by the end of the policy year. The insured s age is advanced by one year at the end of each policy year. The Age value is calculated by adding the corresponding Year value to the illustration issue age, identified in the illustration header as Age. The illustration issue age can be manually identified or automatically calculated based upon the insured s birthdate and the illustration effective date. In the issue age calculation, a 360 day year is assumed; therefore, if the insured s next birthday is 180 days or less from the illustration effective date, the insured s age on that next birthday becomes the issue age for the illustration purposes. Planned Annual Premium Outlay This column reflects the total of the annual out of pocket premiums, including any 1035 Exchange Amount or Lump Sum money received. Guaranteed s - Column, Column, and Column with Guaranteed Charges at a Guaranteed 2.00% Interest Rate These columns are determined and illustrated using the guaranteed interest rate of 2.00% and Guaranteed Cost of Insurance rates and other charges. The value of the policy at the end of the year, which is based upon the guaranteed interest rate, guaranteed insurance charges, and maximum expense and policy charges. The amount available on surrender of this policy, at the end of the policy year. It includes the values under the base policy and any illustrated riders. The amount shown reflects any illustrated withdrawals, and illustrated policy loans and loan interest. Column Definitions The death benefit amount payable, as of the end of the policy year, to your beneficiaries, if the insured should die while this policy is in force. The amount shown reflects any illustrated withdrawals, illustrated policy loans and loan interest. Non-Guaranteed s - Column, Column, and s Column with Non-Guaranteed Charges at a Non-Guaranteed 4.00% Interest Rate These columns are determined and illustrated in the same manner as explained above for their guaranteed counterparts except that the current interest rate of 4.00% is used and current cost of insurance rates, premium charge, and current expense and policy charges are used rather than guaranteed assumptions. The non-guaranteed values shown in this illustration further assume that the illustrated interest rate, current cost of insurance rates, and expense and policy charges will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. The assumptions on which these values are based are subject to change by the insurer. Page 8 of 23 PAUL 2017 V %4%2%75%4%10056%7%8%9%0%10%0311%14%E

9 Life Insurance Test: Accumulation Year Age Policy s Ledger s Assume Guaranteed Charges and a Guaranteed 2.00% Interest Rate Planned Annual Premium Outlay ,000 96,588 96, , ,311 97, , ,953 97, , ,529 98, , ,023 99, , ,416 99, , ,677 99, , ,773 99, , ,677 99, , ,372 99, , ,839 98, , ,064 98, , ,032 97, , ,713 95, , ,080 94, , ,057 92, , ,580 89, , ,495 86, , ,724 82, , ,172 78, , ,917 72, , ,595 66, , ,951 58, , ,647 49, , ,252 38, , ,283 24, , ,030 7, , (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) 100,000 NOTES: Please see important notes on page 11 This illustration is not valid unless accompanied by all pages. Page 9 of 23 PAUL 2017 V %4%2%75%4%10056%7%9%9%0%10%0311%14%F

10 Life Insurance Test: Accumulation Year Age Policy s Ledger s Assume Guaranteed Charges and a Guaranteed 2.00% Interest Rate Planned Annual Premium Outlay (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) 100,000 NOTES: Please see important notes on page 11 This illustration is not valid unless accompanied by all pages. Page 10 of 23 PAUL 2017 V %4%2%75%4%10056%7%10%9%0%10%0311%14%7

11 Life Insurance Test: Accumulation Year Age Policy s Ledger s Assume Guaranteed Charges and a Guaranteed 2.00% Interest Rate Planned Annual Premium Outlay (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) (*) 0(*) 0(*) 100,000 NOTES: (1) and columns reflect withdrawals, any outstanding loans and any loan interest due. (2) 0(*)First appearing in value or benefit columns shows the year that your policy will lapse based on the premium shown, the indicated rate of return, and the applicable cost of insurance rates and other charges, unless a higher premium is paid. (3) Totals do not take into account that, because of inflation and interest, a dollar in the future may have less value than a dollar today. (4) This illustration is not intended to be investment advice, and is intended to comply with state law, to the extent applicable. This illustration is not valid unless accompanied by all pages. Page 11 of 23 PAUL 2017 V %4%2%75%4%10056%7%11%9%0%10%0311%14%8

12 Life Insurance Test: Accumulation Year Policy s Ledger s Assume Non-Guaranteed Charges and a Non-Guaranteed 4.00% Interest Rate Age Planned Annual Premium Outlay ,000 98,958 98, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 Refer to the guaranteed ledger starting on page 9 for any guaranteed components of the policy. NOTES: Please see important notes on page 14 This illustration is not valid unless accompanied by all pages. Page 12 of 23 PAUL 2017 V %4%2%75%4%10056%7%12%9%0%10%0311%14%9

13 Life Insurance Test: Accumulation Year Policy s Ledger s Assume Non-Guaranteed Charges and a Non-Guaranteed 4.00% Interest Rate Age Planned Annual Premium Outlay , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 Refer to the guaranteed ledger starting on page 9 for any guaranteed components of the policy. NOTES: Please see important notes on page 14 This illustration is not valid unless accompanied by all pages. Page 13 of 23 PAUL 2017 V %4%2%75%4%10056%7%13%9%0%10%0311%14%A

14 Life Insurance Test: Accumulation Year Policy s Ledger s Assume Non-Guaranteed Charges and a Non-Guaranteed 4.00% Interest Rate Age Planned Annual Premium Outlay , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 Refer to the guaranteed ledger starting on page 9 for any guaranteed components of the policy. NOTES: (1) and columns reflect withdrawals, any outstanding loans and any loan interest due. (2) Coverage continues for the lifetime of the insured as long as sufficient premiums are paid. (3) Totals do not take into account that, because of inflation and interest, a dollar in the future may have less value than a dollar today. (4) This illustration is not intended to be investment advice, and is intended to comply with state law, to the extent applicable. This illustration is not valid unless accompanied by all pages. Page 14 of 23 PAUL 2017 V %4%2%75%4%10056%7%14%9%0%10%0311%14%B

15 Life Insurance Test: Accumulation Illustration Acknowledgment I have received all pages of the attached illustration, including the explanatory pages, and have discussed it with my Financial Advisor. I understand that any non-guaranteed elements illustrated are subject to change and could be either higher or lower. My Financial Advisor has told me that only those values labeled as guaranteed in the attached illustration are contractually guaranteed. I also understand and represent that: The policy s and may increase or decrease depending on actual premiums paid, interest credited, mortality costs and other expenses charged; This illustration is not part of the insurance policy; If this product is a variable life insurance policy, I have received a current prospectus describing in detail all of the features and charges related to the product; If an illustration shows a plan for actual out-of-pocket premiums to be less than all premiums due, this plan is not guaranteed. Therefore, actual out-of-pocket premiums may last shorter or longer than illustrated, or may even resume at a later date. If the policy s actual nonguaranteed values are lower than illustrated under this plan, they may be insufficient to pay all or any of the premiums due and it will be necessary to pay those premiums out-of-pocket in order to keep the policy in force. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by Merrill Lynch or their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company. California Disclosure: The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. I understand that I can consult independent legal or financial advisors before selling or liquidating any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold. Signature of Merrill Lynch Client (If other than Policyowner): Signature of Merrill Lynch Client (If other than Policyowner): Date (Please print Merrill Lynch Client s name above) Signature of Policyowner: Date (Please print Merrill Lynch Client s name above) Signature of Policyowner: Date (Please print Policyowner s name above) (Please print Policyowner s name above) I certify that a copy of this illustration was provided to all parties signing above. I also certify that I explained that any non-guaranteed values and benefits illustrated are subject to change. I have made no statements that are inconsistent with the illustration. Signature of Financial Advisor: Date (Please print Financial Advisor's name above) Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker dealer and member SIPC, and other sudsidiaries of Bank of America Corporation (BAC). Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Are Not Deposits Are Not Insured by Any Federal Are Not a Condition to Any Government Agency Banking Service or Activity Merrill Lynch Life Agency Inc. is a licensed insurance agency and a wholly owned subsidiary of Bank of America Corporation Bank of America Corporation. All rights reserved. ILLACK-0514 Date Page 15 of 23 PAUL 2017 V %4%2%75%4%10056%7%15%9%0%10%0311%14%C

16 Life Insurance Test: Accumulation Supplemental Illustration Internal Rate of Return This supplemental illustration computes the rate of return that must be earned on an after-tax basis, each year, on the Net After Tax Outlay shown in order to equal the total cash surrender value and death benefit payable at the death of the insured. Year Year is the policy year. Age Age is the age the insured has attained by the end of the policy year. The insured s age is advanced by one year at the end of each policy year. The Age value is calculated by adding the corresponding Year value to the illustration issue age, identified in the illustration header as Age. The illustration issue age can be manually identified or automatically calculated based upon the insured s birthdate and the illustration effective date. In the issue age calculation, a 360 day year is assumed; therefore, if the insured s next birthday is 180 days or less from the illustration effective date, the insured s age on that next birthday becomes the issue age for the illustration purposes. Net After Tax Outlay Your Annual Contract Premium, including any 1035 Exchange or Lump Sum money received, minus surrenders and loans, plus any loan repayments, loan interest paid and estimated taxes due based on owner s tax bracket of 28.00%. Any loans or surrenders will reduce the policy s and. Any negative values shown in this column reflect values being paid to you. at 2.00% Guaranteed with Guaranteed Charges The amount available on surrender of this policy at the end of the policy year. It includes the values under the base policy and any illustrated riders. The amount shown reflects any illustrated withdrawals, illustrated policy loans and loan interest. COLUMN DESCRIPTIONS Internal Rate of Return on at 2.00% Guaranteed with Guaranteed Charges This is the rate of return, compounded annually, that would have to be earned on the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy s cash surrender value under guaranteed assumptions. Taxes may be due if you take withdrawals from this policy. at 2.00% Guaranteed with Guaranteed Charges End of year amount payable if the insured dies while the life insurance policy is in force. It includes the death benefit under the base policy and any illustrated riders on the life of the insured. The amount shown reflects any illustrated withdrawals, illustrated policy loans and loan interest. Internal Rate of Return on at 2.00% Guaranteed with Guaranteed Charges This is the rate of return, compounded annually, that would have to be earned on the Net After-Tax Outlay in order to accumulate an amount equal to the life insurance policy's under guaranteed assumptions. at 4.00% Non-Guaranteed Hypothetical with Non-Guaranteed Charges The amount available on surrender of this policy at the end of the policy year. It includes the values under the base policy and any illustrated riders. The amount shown reflects any illustrated withdrawals, illustrated policy loans and loan interest. Internal Rate of Return on at 4.00% Non-Guaranteed Hypothetical with Non- Guaranteed Charges This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy s Ledger for policy guarantees and other important information. Page 16 of 23 PAUL 2017 V %4%2%75%4%10056%7%16%9%0%10%0311%14%D

17 Life Insurance Test: Accumulation This is the rate of return, compounded annually, that would have to be earned on the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy s cash surrender under current assumptions. Taxes may be due if you take withdrawals from this policy. at 4.00% Non-Guaranteed Hypothetical with Non-Guaranteed Charges End of year amount payable if the insured dies while the life insurance policy is in force. It includes the death benefit under the base policy and any illustrated riders on the life of the insured. The amount shown reflects any illustrated withdrawals, illustrated policy loans and loan interest. Internal Rate of Return on at 4.00% Non- Guaranteed Hypothetical with Non-Guaranteed Charges This is the rate of return, compounded annually, that would have to be earned on the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy's under current assumptions. This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy s Ledger for policy guarantees and other important information. Page 17 of 23 PAUL 2017 V %4%2%75%4%10056%7%17%9%0%10%0311%14%E

18 Life Insurance Test: Accumulation Year Age Net After Tax Outlay Supplemental Illustration Internal Rate of Return 2.00% Guaranteed with Guaranteed Charges IRR On ** IRR On 4.00% Non-Guaranteed Hypothetical with Non-Guaranteed Charges IRR On ,000 96, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 NOTES: Please see important notes on page 20 IRR On This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy s Ledger for policy guarantees and other important information. Page 18 of 23 PAUL 2017 V %4%2%75%4%10056%7%18%9%0%10%0311%14%F

19 Life Insurance Test: Accumulation Year Age Net After Tax Outlay Supplemental Illustration Internal Rate of Return 2.00% Guaranteed with Guaranteed Charges IRR On ** IRR On 4.00% Non-Guaranteed Hypothetical with Non-Guaranteed Charges IRR On , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 NOTES: Please see important notes on page 20 IRR On This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy s Ledger for policy guarantees and other important information. Page 19 of 23 PAUL 2017 V %4%2%75%4%10056%7%19%9%0%10%0311%14%G

20 Life Insurance Test: Accumulation Year Age Net After Tax Outlay Supplemental Illustration Internal Rate of Return 2.00% Guaranteed with Guaranteed Charges IRR On ** IRR On 4.00% Non-Guaranteed Hypothetical with Non-Guaranteed Charges IRR On , , , , , , , , , , , , , , , , , , , , ,000 NOTES: (1) Totals do not take into account that, because of inflation and interest, a dollar in the future may have less value than a dollar today. (2) This report is not valid unless accompanied by all pages and the Basic Illustration. Please refer to the Policy s Ledger Illustration for policy guarantees and other important information. (3) ** If, in any policy year, there is no value in this column, the Internal Rate of Return cannot be calculated because there is no cash surrender value. (4) This illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. IRR On This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy s Ledger for policy guarantees and other important information. Page 20 of 23 PAUL 2017 V %4%2%75%4%10056%7%20%9%0%10%0311%14%8

21 (PAUL) Best of Both Worlds Get Both Growth and Protection We know the dollars you save are the dollars you value most of all. That s why we built a product that provides protection for your family and generates returns at the same time. On the protection side, it includes tax-free death benefit to your 1 loved ones and has an optional feature that gives you the ability to access policy values to help pay for costs should the insured suffer from a chronic or terminal illness, as defined by the Rider. On the growth side, PAUL helps you generate returns and has no surrender charges - just in case you need your money to work for you elsewhere. This way, you can grow money while feeling confident that you can provide for your family financially at the same time. This is the best of both worlds - protection and growth in one product. $100,000 Single Premium If you need liquidity OR If the insured needs care OR to family Year 35 $190,082 $178,988 $238,650 Summary Chronic and Terminal Illness Rider 2 The following table provides key values at these specific ages for a $100,000 single premium PAUL policy: Policy Year Age Internal Rate of Return% Chronic & Terminal Illness Rider $98, % $184,941 $246, $110, % $183,313 $244, $125, % $180,059 $240, $153, % $178,988 $238,650 1 The word you and your in this supplemental illustration report refers to the policyowner. 2 Chronic and Terminal Illness amount is the total amount that can be accelerated over the life of the policy. This amount is determined at the time of claim and is equal to 75% of the death benefit at the time of claim. The values in this column are based on the death benefit at the end of the policy year from the Non-Guaranteed Charges and a Non-Guaranteed 4.00% Interest Rate Policy s Ledger. This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy s Ledger for policy guarantees and other important information. WF Date Prepared: 06/30/ :17:15 PM L [0619] Page 21 of 23 PAUL 2017 V %4%2%75%4%10056%7%21%9%0%10%0311%14%9

22 The rate shown on the table under the Internal Rate of Return% is the Internal Rate of Return, compounded annually, that would have to be earned on the Net After Tax Outlay in order to accumulate an amount equal to the policy s cash surrender value under current assumptions. This is a Supplemental Illustration and is not valid unless accompanied by the entire basic illustration for the life insurance policy described and an Internal Rate of Return report. Please refer to the basic illustration and report for policy guarantees and other important information. The values in this Supplemental Illustration are based on current interest rates and charges which are not guaranteed. It assumes that these elements will continue unchanged for all years. This is not likely to occur, and actual results may be more or less favorable than those shown. Insurance Products: - 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. This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy s Ledger for policy guarantees and other important information. WF Date Prepared: 06/30/ :17:15 PM L [0619] Page 22 of 23 PAUL 2017 V %4%2%75%4%10056%7%22%9%0%10%0311%14%A

23 Chronic and Terminal Care Rider Acceleration Example at Age 80 Who is it for? The Chronic and Terminal Care Rider 1 is designed for policyowners that seek early access to the policy s death benefit on a tax favorable basis when the insured suffers from a chronic or terminal illness. What makes it unique? Fewer Charges: The Chronic and Terminal Care Rider only charges a fee of $250 upon each exercise. Similar riders either charge a monthly deduction or reduce rider payments through discounting. Simpler: Both chronic and terminal illnesses are covered in one rider. Chronic and Terminal Care Rider payments can be used for anything and no receipts are required. How does it work? The Chronic and Terminal Care Rider can be exercised under both the chronic illness provisions and the terminal illness provision. Once per calendar year, the policyowner may request a payment 2 of up to 20% of the policy s death benefit. Cumulative payments cannot exceed the lesser of 75% of the policy s death benefit and $2 million. Rider payments reduce the policy s death benefit on a dollarfor-dollar basis, while the policy s cash value is reduced proportionately. Future monthly deductions are based on the new policy values. How are payments received on a tax favorable basis? Payments from the Chronic and Terminal Care Rider are intended to qualify for favorable tax treatment under Section 101(g) of the Federal Internal Revenue Code. Before submitting any rider claims, policyowners should consult a tax advisor to determine the tax consequences of any payments received. Consulting with a tax advisor is especially important if the policyowner is not the insured. The IRS imposes a per diem cap on the amount of payments resulting from chronic illness. Claims from chronic illness that exceed the annualized IRS per diem limitations may be subject to income taxation. Acceleration Example: This example is based on the end of year values illustrated on the Non-Guaranteed Charges and Non-Guaranteed 4.00% Interest Rate Policy s Ledger. POLICY VALUES AT THE END OF POLICY YEAR 1 $246,587 $98,958 POLICY VALUES AT AGE 80 $238,650 $164,725 INSURED IS CERTIFIED CHRONICALLY OR TERMINALLY ILL POLICYOWNER REQUESTS A 20% ACCELERATION Accelerated $47,730 AMOUNT RECEIVED BY POLICYOWNER Accelerated Payment $47,480 POLICY VALUES AFTER ACCELERATION $190,920 $131,780 NOTES: This product is not long term care insurance. This product is a life insurance policy that accelerates the death benefit on account of chronic or terminal illness. 1 Certain age and state availability restrictions may apply. The policyowner is the person who has the right to accelerate the death benefit, which can be done in the event of the insured s chronic illness or terminal illness (subject to the rider s terms and conditions). Descriptions of policy features and riders are only partial. Please see a specimen rider policy for additional rider details. 2 In general, the maximum rider payment amount will only be calculated at the time of first rider exercise. However, if the policy s death benefit is reduced by a transaction other than rider exercise, then the maximum rider payment amount will be recalculated based on the lower death benefit. Page 23 of 23 PAUL 2017 V %4%2%75%4%10056%7%23%9%0%10%0311%14%B

24 Messages June 30, 2017 Name: Insured Name M/55 Company/ Product: Brighthouse Financial - Merrill Lynch/ Premier Accumulator Universal Life 2017 Product Message(s) The illustrated assumptions will cause the contract to MEC in month 1 of policy year 1. WinFlex Web Beta - for testing use only. Page 1 of 1 06/30/17 12:17 PM

25 Company: Brighthouse Financial - Merrill Lynch Product: Premier Accumulator Universal Life 2017 Client Input Summary June 30, 2017 Insured Insured Name Insured Name Sex Male Age 55 Risk Class Standard No Tobacco Table Rating None Permanent Flat Extra 0.00 Temporary Flat Extra 1 to State <!-- ACCUL > Virginia Policy Effective Date 06/30/2017 Amount 1 to Solve For Solve For Face Amount Face Solve Option 1 to MIP Premium 1 to , Pay Premiums for First Year Only Y Disbursements Disbursements N Policy Options Illustrated Rate 1 to 44 - Current Option 1 to 70 - Option A (Level) Premium Mode Annual Prevent MEC No Life Insurance Test Accumulation Gross Transfer Amount 0.00 Revised Illustration N Lump Sum 1 to Years to Print Max Policy Riders Policy Riders Chronic and Terminal Care Waiver of Specified Premium Y Y N Optional Reports Optional Reports Internal Rate of Return Detailed Summary First 24 Month Detail Summary Chronic and Terminal Care Rider Report Life Insurance as an Asset Best of Both Worlds Y Y N N Y N Y Page 1 of 2

26 Company: Brighthouse Financial - Merrill Lynch Product: Premier Accumulator Universal Life 2017 Client Input Summary June 30, 2017 Optional Reports Agent Info Summary Year or Age? Year Summary Year One 1 Summary Year Two 5 Summary Year Three 10 Summary Year Four 20 Year Summary 35 Agent Name Attache Hardy Agent Company Hardy and Associates Inc. Agent Address1 120 North House Rd. Agent City Charlotte Agent State North Carolina Agent Zip Code Agent Phone Agent Fax Agent attache.hardy@metlife.com Agent License # A Concept Concept None Page 2 of 2

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