Marquis s Brighthouse Separate Account Eleven for Variable Annuities Brighthouse Life Insurance Company Variable Investment Option Performance Update The performance data quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance figures quoted. Performance current to the most recent month-end may be viewed at www.brighthousefinancial.com. The investment return and principal value of an investment will fluctuate and an investor's shares, when redeemed, may be worth more or less than their original cost. For Sub-Accounts that invest in s of the underlying Trust that were in existence prior to the Sub-Account inception date, these returns have been adjusted to reflect the charges and expenses of the Marquis s Variable Annuity, as if the contract had existed during the stated period(s), including all -level expenses, the M&E risk and administrative expense charges of 1.85% and the annual Account Fee of $40. The Marquis s product does not impose any withdrawal charges on withdrawals. These figures represent past performance and are not an indication of future performance. Marquis s Non-Standardized Performance: Without surrender charges applied as of 09/30/2018 Inception Date Year-to- Date 1 Year 3 Year* 5 Year* One Month American Funds Global Growth Fund - Class 2 04/30/97-0.97% 4.73% 9.14% 12.42% 8.84% 8.84% American Funds Growth Fund - Class 2 02/08/84 0.03% 14.45% 20.87% 18.48% 13.25% 10.90% American Funds Growth-Income Fund - Class 2 02/08/84 0.83% 10.33% 16.05% 15.48% 11.51% 9.57% BlackRock Bond Income - Class E 06/16/94-0.85% -2.92% -3.23% -0.32% 0.64% 2.34% BlackRock Capital Appreciation - Class A 08/30/96 0.31% 19.51% 28.10% 18.23% 13.96% 10.61% BlackRock High Yield - Class A 08/30/96 0.38% 1.23% 1.66% 5.53% 3.57% 6.72% BlackRock Ultra-Short Term Bond - Class E 06/16/94-0.01% -0.25% -0.52% -1.17% -1.45% -1.59% Brighthouse Small Cap Value - Class A++ 12/27/93-2.77% 3.28% 8.28% 14.38% 8.22% 9.03% Brighthouse Small Cap Value - Class B 11/04/97-2.79% 3.06% 7.96% 14.09% 7.93% 6.80% Brighthouse/Aberdeen Emerging Markets Equity - Class A++ 12/31/97-1.35% -12.36% -8.44% 6.59% -1.00% 1.58% Brighthouse/Aberdeen Emerging Markets Equity - Class B 03/04/96-1.26% -12.51% -8.64% 6.35% -1.22% 1.72% Brighthouse/Dimensional International Small Company - Class B 10/30/08-0.82% -5.99% -2.19% 9.36% 4.75% 9.30% Brighthouse/Eaton Vance Floating Rate - Class B 04/30/10 0.44% 2.50% 3.02% 3.01% 1.63% 1.97% Brighthouse/Wellington Core Equity Opportunities - Class A 04/05/93 1.64% 8.33% 13.86% 12.35% 9.82% 7.92% Brighthouse/Wellington Large Cap Research - Class E 03/23/98 0.51% 9.37% 14.78% 14.03% 12.13% 8.96% Clarion Global Real Estate - Class A++ 05/04/98-1.70% -3.82% 0.41% 2.32% 2.39% 3.28% Clarion Global Real Estate - Class B 04/30/04-1.70% -4.01% 0.15% 2.07% 2.14% 3.02% ClearBridge Aggressive Growth - Class A++ 05/16/83-0.14% 9.63% 12.42% 10.37% 9.05% 8.54% ClearBridge Aggressive Growth - Class B 10/31/05-0.20% 9.42% 12.09% 10.10% 8.96% 8.46% ClearBridge Variable Aggressive Growth - Class I++ 11/01/99 0.30% 8.25% 10.69% 8.74% 8.98% 11.51% ClearBridge Variable Appreciation - Class I 10/16/91 0.41% 7.98% 14.49% 13.35% 10.15% 8.91% ClearBridge Variable Dividend Strategy - Class I++ 09/14/99-0.43% 3.34% 8.85% 12.69% 8.97% 8.75% Page 1 of 7
Marquis s Non-Standardized Performance: Without surrender charges applied as of 09/30/2018 Inception Date Year-to- Date 1 Year 3 Year* 5 Year* One Month ClearBridge Variable Large Cap Growth - Class I++ 05/01/98-0.50% 13.63% 21.00% 16.81% 14.52% 12.56% ClearBridge Variable Large Cap Value - Class I 02/17/98 0.26% 1.59% 5.83% 9.79% 7.82% 7.81% ClearBridge Variable Mid Cap - Class I++ 11/01/99 0.28% 3.38% 6.50% 8.47% 7.05% 9.00% ClearBridge Variable Small Cap Growth - Class I 11/01/99-0.94% 29.35% 36.65% 20.78% 11.08% 12.29% Fidelity VIP Mid Cap - Service Class 2++ 12/28/98-0.72% 4.62% 10.57% 11.66% 8.40% 8.93% Franklin Small-Mid Cap Growth VIP Fund - Class 2++ 05/01/98-0.14% 11.76% 16.95% 10.99% 8.27% 9.23% Frontier Mid Cap Growth - Class D++ 03/23/98-0.25% 9.57% 13.92% 12.16% 10.51% 9.25% Harris Oakmark International - Class A 08/01/96 1.03% -9.77% -8.41% 8.49% 2.28% 7.20% Invesco Comstock - Class B 04/29/05-0.14% 3.64% 10.99% 13.00% 8.56% 8.17% Invesco Small Cap Growth - Class A 05/02/05-1.33% 14.02% 21.15% 16.16% 11.57% 11.41% Janus Henderson Enterprise - Service Shares++ 09/13/93-0.49% 13.54% 19.38% 17.66% 13.48% 11.94% Janus Henderson Overseas - Service Shares++ 05/02/94-0.41% -2.74% 0.60% 6.42% -1.08% 1.40% Jennison Growth - Class B 07/03/95 0.39% 17.57% 24.45% 18.73% 14.85% 12.19% JPMorgan Small Cap Value - Class A 05/02/05-3.27% 4.25% 5.75% 11.73% 6.58% 7.15% Loomis Sayles Small Cap Core - Class B 05/02/94-2.61% 8.17% 11.41% 13.63% 8.42% 9.71% MFS Research International - Class B 02/12/01-0.23% -1.79% 2.87% 7.12% 1.85% 3.34% MFS Total Return - Class F 06/16/94-0.13% -0.11% 2.88% 6.37% 5.30% 5.56% MFS Value - Class A 07/20/98 0.18% 0.38% 5.09% 11.16% 8.86% 8.21% Morgan Stanley Mid Cap Growth - Class B 02/12/01-0.60% 33.95% 42.22% 19.61% 10.52% 11.63% Neuberger Berman Genesis - Class A++ 05/02/05-1.52% 10.14% 15.97% 14.28% 8.94% 8.26% Neuberger Berman Genesis - Class B 07/05/00-1.55% 9.88% 15.65% 13.98% 8.66% 7.34% Oppenheimer Global Equity - Class B 10/01/02-2.09% 1.73% 8.62% 12.24% 7.97% 6.34% PIMCO Inflation Protected Bond - Class A++ 09/30/99-1.17% -2.48% -1.76% 0.43% -0.73% 1.78% PIMCO Inflation Protected Bond - Class B 05/01/03-1.17% -2.65% -2.02% 0.16% -0.96% 1.53% PIMCO Total Return - Class B 02/12/01-0.68% -2.59% -3.13% 0.07% 0.10% 2.99% T. Rowe Price Large Cap Growth - Class B++ 06/26/92-0.31% 13.40% 19.70% 16.93% 13.77% 12.38% T. Rowe Price Large Cap Value - Class B 12/11/89-0.51% 1.91% 7.16% 12.58% 8.89% 7.86% T. Rowe Price Large Cap Value - Class E++ 12/03/93-0.54% 1.97% 7.24% 12.69% 8.45% 7.57% T. Rowe Price Mid Cap Growth - Class B++ 02/12/01-0.05% 11.08% 15.38% 14.10% 11.99% 12.16% T. Rowe Price Small Cap Growth - Class B++ 08/31/90-0.96% 13.98% 20.21% 15.97% 11.41% 12.88% Templeton Foreign VIP Fund - Class 2 05/01/92 1.32% -4.65% -2.57% 5.20% -0.50% 2.57% Victory Sycamore Mid Cap Value - Class B 08/20/97-0.48% 4.89% 9.70% 8.06% 5.75% 7.26% Western Asset Core Plus VIT - Class I++ 06/16/94-0.50% -4.25% -4.29% 0.26% 0.40% 5.73% Western Asset Management Strategic Bond Opportunities - Class E 10/31/94 0.01% -3.60% -3.43% 2.32% 1.82% 4.96% Western Asset Management U.S. Government - Class A 01/24/92-0.40% -1.80% -2.23% -0.97% -0.54% 0.66% Western Asset Variable Global High Yield Bond - Class I 05/01/98 1.68% -1.87% -1.65% 5.00% 1.70% 5.64% *Annualized for Investment Options/s in existence for more than one year. + Not available under all Contracts. Availability depends on Contract issue date. ++ Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing. Page 2 of 7
Effective on or about December 15, 2017, Victory Capital Management Inc. replaced Invesco Advisers, Inc. as the subadviser to the Victory Sycamore Mid Cap Value previously known as the Invesco Mid Cap Value. Prior to June 5, 2017, the Janus Henderson Overseas was known as the Janus Aspen Overseas. Prior to June 5, 2017, the Janus Henderson Enterprise was known as the Janus Aspen Enterprise. Effective April 28, 2014, the T. Rowe Price Large Cap Value - Class E of the Met Investors Series Trust replaced ClearBridge Variable All Cap Value - Class I of the Legg Mason Partners Variable Equity Trust. Values before April 28, 2014 reflect the performance of the ClearBridge Variable All Cap Value - Class I. Effective April 28, 2014, the ClearBridge Aggressive Growth II - Class A (formerly Janus Forty ) of the Met Investors Series Trust merged with and into the ClearBridge Aggressive Growth - Class A of the Met Investors Series Trust. Values before April 28, 2014 reflect the performance of the ClearBridge Aggressive Growth II - Class A. Prior to the opening of business on April 29, 2013, the Met/Templeton Growth was renamed the MIST Oppenheimer Global Equity in a fund reorganization in which Oppenheimer Global Equity of the Metropolitan Series Fund is the accounting survivor. For this report, values before April 29, 2013 reflect the performance of the Met/Templeton Growth. Effective April 29, 2013, MLA Mid Cap of the Met Investors Series Trust (formerly Lazard Mid Cap ) merged into Neuberger Berman Genesis of the Metropolitan Series Fund. Values before April 29, 2013 reflect the performance of MLA Mid Cap. As of May 2, 2011, the Third Avenue Small Cap Value - Class A (now known as MetLife Small Cap Value - Class A) replaced the Delaware VIP Small Cap Value Series. Values before April 30, 2011 reflect the performance of the Delaware VIP Small Cap Value Series. As of May 2, 2011, the Legg Mason ClearBridge Variable Dividend Strategy merged with and into Legg Mason ClearBridge Variable Equity Income Builder (now known as ClearBridge Variable Dividend Strategy ). Values before April 30, 2011 reflect the performance of the Legg Mason ClearBridge Variable Dividend Strategy. As of May 2, 2011, the Legg Mason Value Equity merged with and into Legg Mason ClearBridge Aggressive Growth - Class B. Values before April 30, 2011 reflect the performance of the Legg Mason Value Equity. Effective May 3, 2010, the Legg Mason Partners Variable Money Market merged with and into the BlackRock Money Market (currently known as BlackRock Ultra- Short Term Bond. Values before April 30, 2010 reflect the performance of the Legg Mason Partners Variable Money Market. Performance for the Met/Templeton Growth consists of the performance for the Legg Mason Partners Variable Global Equity before and on April 30, 2010 and the Met/Templeton Growth after April 30, 2010. Effective May 1, 2009, the following investment portfolio mergers were made: FI Large Cap and Met/AIM Capital Appreciation into BlackRock Legacy Large Cap Growth. Performance for the BlackRock Legacy Large Cap Growth consists of the performance for the FI Large Cap before and on May 1, 2009 and the BlackRock Legacy Large Cap Growth after May 1, 2009. Effective May 1, 2009, the following share class change was made: Legg Mason Partners Variable Appreciation - Class II to Legg Mason Partners Variable Appreciation - Class I. Investment Performance Is Not Guaranteed. Additional prospectuses for the Marquis s variable annuity issued by Brighthouse Life Insurance Company and for the investment portfolios are available from your financial professional or at www.brighthousefinancial.com. The contract prospectus contains information about the contract s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Page 3 of 7
Variable annuities are long-term investments designed for retirement purposes. Variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All product guarantees, including optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. 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. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution Tax on Net Investment 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. Marquis s SM is a service mark of Morgan Stanley Smith Barney Holdings LLC. "Brighthouse Financial" refers to Brighthouse Financial, Inc., a Delaware corporation, and, where appropriate in context, to one or more of its subsidiaries, or all of them taken as a whole. The Marquis s variable annuity is issued by Brighthouse Life Insurance Company (previously issued by MetLife Insurance Company USA) and is distributed by Brighthouse Securities, LLC (member FINRA). Brighthouse Life Insurance Company Charlotte, NC 28277 2145918.1[06/18/2020] Page 4 of 7
Marquis s The performance data quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance figures quoted. Performance current to the most recent month-end may be viewed at www.brighthousefinancial.com. The investment return and principal value of an investment will fluctuate and an investor's shares, when redeemed, may be worth more or less than their original cost. Each Investment Option consists of a sub-account of the separate account supporting the contract (a "Sub-Account") that invests solely in shares of a fund portfolio (a ""). Standardized Performance for an Investment Option, as defined by the SEC, is the Average Annual Total Return for periods commencing no earlier than the Sub-Account inception date and terminating at the end of the most recent calendar quarter. Average Annual Total Returns shown that include periods prior to the Sub-Account inception date are Non-Standardized Performance. Charges for Standardized Performance include all -level expenses, the M&E risk and administrative expense charges of 1.85%, the contract administrative charge $40, and the surrender charge of 0%. Past performance does not guarantee future results. Marquis s Average Annual Total Return as of 09/30/2018 Standardized as of 09/30/2018 Sub-Account American Funds Global Growth Fund - Class 2 04/30/97 9.14% 8.84% 8.84% 05/01/03 9.14% 8.84% 8.84% American Funds Growth Fund - Class 2 02/08/84 20.87% 13.25% 10.90% 05/01/03 20.87% 13.25% 10.90% American Funds Growth-Income Fund - Class 2 02/08/84 16.05% 11.51% 9.57% 05/01/03 16.05% 11.51% 9.57% BlackRock Bond Income - Class E 06/16/94-3.23% 0.64% 2.34% 07/28/98-3.23% 0.64% 2.34% BlackRock Capital Appreciation - Class A 08/30/96 28.10% 13.96% 10.61% 05/01/01 28.10% 13.96% 10.61% BlackRock High Yield - Class A 08/30/96 1.66% 3.57% 6.72% 05/01/02 1.66% 3.57% 6.72% BlackRock Ultra-Short Term Bond - Class E 06/16/94-0.52% -1.45% -1.59% 07/29/98-0.52% -1.45% -1.59% Brighthouse Small Cap Value - Class A++ 12/27/93 8.28% 8.22% 9.03% 07/31/98 8.28% 8.22% 9.03% Brighthouse Small Cap Value - Class B 11/04/97 7.96% 7.93% 6.80% 05/01/03 7.96% 7.93% 6.80% Brighthouse/Aberdeen Emerging Markets Equity - Class A++ 12/31/97-8.44% -1.00% 1.58% 07/28/98-8.44% -1.00% 1.58% Brighthouse/Aberdeen Emerging Markets Equity - Class B 03/04/96-8.64% -1.22% 1.72% 07/31/98-8.64% -1.22% 1.72% Brighthouse/Dimensional International Small Company - Class B 10/30/08-2.19% 4.75% 9.30% 05/01/09-2.19% 4.75% 9.44% Brighthouse/Eaton Vance Floating Rate - Class B 04/30/10 3.02% 1.63% 1.97% 05/03/10 3.02% 1.63% 1.97% Brighthouse/Wellington Core Equity Opportunities - Class A 04/05/93 13.86% 9.82% 7.92% 07/31/98 13.86% 9.82% 7.92% Brighthouse/Wellington Large Cap Research - Class E 03/23/98 14.78% 12.13% 8.96% 07/28/98 14.78% 12.13% 8.96% Clarion Global Real Estate - Class A++ 05/04/98 0.41% 2.39% 3.28% 07/28/98 0.41% 2.39% 3.28% Clarion Global Real Estate - Class B 04/30/04 0.15% 2.14% 3.02% 05/01/04 0.15% 2.14% 3.02% ClearBridge Aggressive Growth - Class A++ 05/16/83 12.42% 9.05% 8.54% 04/18/05 12.42% 9.05% 8.54% ClearBridge Aggressive Growth - Class B 10/31/05 12.09% 8.96% 8.46% 11/07/05 12.09% 8.96% 8.46% ClearBridge Variable Aggressive Growth - Class I++ 11/01/99 10.69% 8.98% 11.51% 05/01/00 10.69% 8.98% 11.51% ClearBridge Variable Appreciation - Class I 10/16/91 14.49% 10.15% 8.91% 05/01/01 14.49% 10.15% 8.91% ClearBridge Variable Dividend Strategy - Class I++ 09/14/99 8.85% 8.97% 8.75% 05/01/02 8.85% 8.97% 8.75% ClearBridge Variable Large Cap Growth - Class I++ 05/01/98 21.00% 14.52% 12.56% 07/28/98 21.00% 14.52% 12.56% ClearBridge Variable Large Cap Value - Class I 02/17/98 5.83% 7.82% 7.81% 07/29/98 5.83% 7.82% 7.81% ClearBridge Variable Mid Cap - Class I++ 11/01/99 6.50% 7.05% 9.00% 05/01/01 6.50% 7.05% 9.00% ClearBridge Variable Small Cap Growth - Class I 11/01/99 36.65% 11.08% 12.29% 11/07/05 36.65% 11.08% 12.29% Fidelity VIP Mid Cap - Service Class 2++ 12/28/98 10.57% 8.40% 8.93% 05/01/01 10.57% 8.40% 8.93% Franklin Small-Mid Cap Growth VIP Fund - Class 2++ 05/01/98 16.95% 8.27% 9.23% 07/29/98 16.95% 8.27% 9.23% Frontier Mid Cap Growth - Class D++ 03/23/98 13.92% 10.51% 9.25% 05/01/00 13.92% 10.51% 9.25% Harris Oakmark International - Class A 08/01/96-8.41% 2.28% 7.20% 07/28/98-8.41% 2.28% 7.20% Invesco Comstock - Class B 04/29/05 10.99% 8.56% 8.17% 11/07/05 10.99% 8.56% 8.17% Sub- Account Page 5 of 7
Marquis s Average Annual Total Return as of 09/30/2018 Standardized as of 09/30/2018 Sub-Account Invesco Small Cap Growth - Class A 05/02/05 21.15% 11.57% 11.41% 05/02/05 21.15% 11.57% 11.41% Janus Henderson Enterprise - Service Shares++ 09/13/93 19.38% 13.48% 11.94% 05/01/00 19.38% 13.48% 11.94% Janus Henderson Overseas - Service Shares++ 05/02/94 0.60% -1.08% 1.40% 05/01/00 0.60% -1.08% 1.40% Jennison Growth - Class B 07/03/95 24.45% 14.85% 12.19% 05/01/01 24.45% 14.85% 12.19% JPMorgan Small Cap Value - Class A 05/02/05 5.75% 6.58% 7.15% 05/02/05 5.75% 6.58% 7.15% Loomis Sayles Small Cap Core - Class B 05/02/94 11.41% 8.42% 9.71% 05/01/09 11.41% 8.42% 13.80% MFS Research International - Class B 02/12/01 2.87% 1.85% 3.34% 11/07/05 2.87% 1.85% 3.34% MFS Total Return - Class F 06/16/94 2.88% 5.30% 5.56% 11/07/05 2.88% 5.30% 5.56% MFS Value - Class A 07/20/98 5.09% 8.86% 8.21% 07/28/98 5.09% 8.86% 8.21% Morgan Stanley Mid Cap Growth - Class B 02/12/01 42.22% 10.52% 11.63% 11/07/05 42.22% 10.52% 11.63% Neuberger Berman Genesis - Class A++ 05/02/05 15.97% 8.94% 8.26% 05/02/05 15.97% 8.94% 8.26% Neuberger Berman Genesis - Class B 07/05/00 15.65% 8.66% 7.34% 05/01/04 15.65% 8.66% 7.34% Oppenheimer Global Equity - Class B 10/01/02 8.62% 7.97% 6.34% 05/03/04 8.62% 7.97% 6.34% PIMCO Inflation Protected Bond - Class A++ 09/30/99-1.76% -0.73% 1.78% 04/18/05-1.76% -0.73% 1.78% PIMCO Inflation Protected Bond - Class B 05/01/03-2.02% -0.96% 1.53% 11/07/05-2.02% -0.96% 1.53% PIMCO Total Return - Class B 02/12/01-3.13% 0.10% 2.99% 11/07/05-3.13% 0.10% 2.99% T. Rowe Price Large Cap Growth - Class B++ 06/26/92 19.70% 13.77% 12.38% 05/01/01 19.70% 13.77% 12.38% T. Rowe Price Large Cap Value - Class B 12/11/89 7.16% 8.89% 7.86% 01/17/06 7.16% 8.89% 7.86% T. Rowe Price Large Cap Value - Class E++ 12/03/93 7.24% 8.45% 7.57% 05/22/98 7.24% 8.45% 7.57% T. Rowe Price Mid Cap Growth - Class B++ 02/12/01 15.38% 11.99% 12.16% 06/09/03 15.38% 11.99% 12.16% T. Rowe Price Small Cap Growth - Class B++ 08/31/90 20.21% 11.41% 12.88% 07/29/98 20.21% 11.41% 12.88% Templeton Foreign VIP Fund - Class 2 05/01/92-2.57% -0.50% 2.57% 07/29/98-2.57% -0.50% 2.57% Victory Sycamore Mid Cap Value - Class B 08/20/97 9.70% 5.75% 7.26% 11/07/05 9.70% 5.75% 7.26% Western Asset Core Plus VIT - Class I++ 06/16/94-4.29% 0.40% 5.73% 07/28/98-4.29% 0.40% 5.73% Western Asset Management Strategic Bond Opportunities - Class E 10/31/94-3.43% 1.82% 4.96% 06/12/97-3.43% 1.82% 4.96% Western Asset Management U.S. Government - Class A 01/24/92-2.23% -0.54% 0.66% 11/07/05-2.23% -0.54% 0.66% Western Asset Variable Global High Yield Bond - Class I 05/01/98-1.65% 1.70% 5.64% 11/07/05-1.65% 1.70% 5.64% *Annualized for Investment Options/s in existence for more than one year. + Not available under all Contracts. Availability depends on Contract issue date. ++ Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing. Investment Performance Is Not Guaranteed. Sub- Account Additional prospectuses for the Marquis s variable annuity issued by Brighthouse Life Insurance Company and for the investment portfolios are available from your financial professional or at www.brighthousefinancial.com. The contract prospectus contains information about the contract s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Page 6 of 7
Variable annuities are long-term investments designed for retirement purposes. Variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All product guarantees, including optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. 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. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution Tax on Net Investment 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. Marquis s SM is a service mark of Morgan Stanley Smith Barney Holdings LLC. "Brighthouse Financial" refers to Brighthouse Financial, Inc., a Delaware corporation, and, where appropriate in context, to one or more of its subsidiaries, or all of them taken as a whole. The Marquis s variable annuity is issued by Brighthouse Life Insurance Company (previously issued by MetLife Insurance Company USA) and is distributed by Brighthouse Securities, LLC (member FINRA). Brighthouse Life Insurance Company Charlotte, NC 28277 2145918.1[06/18/2020] Page 7 of 7