The Variable Annuity Contract
issued by
Brighthouse Life Insurance Company
and
Brighthouse Separate Account A
  
Series XTRA
  
Updating Summary Prospectus
April 30, 2021
A flexible premium deferred variable annuity contract
  
The prospectus for the Series XTRA Variable Annuity Contract (the “Contract”), a flexible premium deferred variable annuity contract issued by Brighthouse Life Insurance Company (“BLIC”, the “Company”, or “we” or “us”), is available and contains more information about the Contract including its features, benefits, and risks. You can find the current prospectus and other information about the Contract online at https://dfinview.com/BHF/TAHD/BHF180. You can also obtain this information at no cost by calling (888) 243-1932 or by sending an email request to rcg@brighthousefinancial.com.
This Contract offers a Purchase Payment Credit. Expenses for a Contract with a Purchase Payment Credit may be higher than for a Contract without a credit. The amount of the Purchase Payment Credit may be more than offset by the fees and charges associated with the credit.
Additional general information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.
The Securities and Exchange Commission has not approved or disapproved these securities or determined if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.
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Special Terms
Account Value. The sum of your interests in the Investment Portfolios and the Fixed Account, including the Enhanced Dollar Cost Averaging account.
Accumulation Phase. The period in which earnings accumulate on a tax-deferred basis.
Contract Year. A Contract Year is defined as a one-year period starting on the date the contract is issued and on each contract anniversary thereafter.
Fixed Account. The Fixed Account is part of our general account and offers an interest rate that is guaranteed by us. Our general account consists of all assets owned by us other than those in the Separate Account and our other separate accounts.
Investment Portfolios. The means of investing offered to Owners in various underlying fund portfolios.
Purchase Payment. A Purchase Payment is the money you give us to invest in the contract. The initial Purchase Payment is due on the date the contract is issued. You may also be permitted to make subsequent Purchase Payments.
Purchase Payment Credit. A Purchase Payment Credit is an additional amount credited to your Account Value with respect to your initial Purchase Payment and each subsequent Purchase Payment received by us.
Separate Account. We have established Brighthouse Separate Account A to hold the assets that underlie the Contracts.
Updated Information You Should Consider About the Contract
The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the Prospectus dated May 1, 2020. This may not reflect all of the changes that have occurred since you entered into your Contract.
Effective September 8, 2020, the Annuity Service Center contact information changed. The new contact information is as follows:
•  Address: Brighthouse Life Insurance Company, P.O. Box 305075, Nashville, TN 37230-5075
•  Telephone: (888) 243-1932, Monday – Friday 7:30AM – 5:30PM Central Time
•  Fax: Brighthouse Policy Holder Services, (877) 246-8424
•  Website: www.brighthousefinancial.com
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Important Information You Should Consider About the Contract
  Fees and Expenses Location in
Prospectus
Charges for Early Withdrawals If you withdraw money during the first 9 full Contract Years following a Purchase Payment, you may be assessed a withdrawal charge of up to 8% of the Purchase Payment withdrawn, declining to 0% over that time period.
For example, if you make an early withdrawal, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. 		Fee Table and Examples
 
Expenses – Withdrawal Charge
Transaction Charges In addition to withdrawal charges, you also may be charged for the following transactions: transfers of cash value between investment options, which include the Investment Portfolios and the Fixed Account.
Transfer Fee. Currently, we allow unlimited transfers among the investment options without charge. However, we reserve the right to charge for transfers after the first 12 transfers per year. 		Fee Table and Examples
 
Expenses – Transfer Fee
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  Fees and Expenses Location in
Prospectus
Ongoing Fees and Expenses (annual charges) The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Fee Table and Examples
 
Expenses – Product Charges
 
Appendix A: Investment Portfolios
Available Under the Contract
Annual Fee Minimum Maximum
Base Contract1
1.72%
 1.72%
Investment options
(Portfolio Company fees and expenses)2
0.53%
 1.29%
Optional benefits available for an additional charge (for a single optional benefit, if elected)
0.20%3
 1.50% 4
1 As a percentage of average Account Value in the Separate Account. The charge shown also includes the Account Fee.
2 As a percentage of fund assets.
3 As a percentage of average Account Value in the Separate Account. This charge is the current charge for the least expensive optional benefit.
4 As a percentage of the Total Guaranteed Withdrawal Amount, which is a value used to calculate your benefit. This charge is the current charge for the most expensive optional benefit.
Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs.
Lowest Annual Cost
$2,394 		Highest Annual Cost
$6,645
Assumes: Assumes:
• Investment of $100,000
• 5% annual appreciation
• Least expensive Portfolio Company fees and expenses
• No optional benefits
• No Purchase Payment Credits
• No additional purchase payments, transfers, or withdrawals 		• Investment of $100,000
• 5% annual appreciation
• Most expensive combination of optional benefits and Portfolio Company fees and expenses
• No Purchase Payment Credits
• No additional purchase payments, transfers, or withdrawals
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  Risks Location in
Prospectus
Risk of Loss You can lose money by investing in this Contract including loss of principal. Principal Risks
Not a Short-Term Investment This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.
Withdrawal charges may apply for the first 9 years of the Contract.
Withdrawal charges will reduce the value of your Contract if you withdraw money during that time.
The benefits of tax deferral and living benefit protection also mean the Contract is more beneficial to investors with a long time horizon. 		Principal Risks
Risks Associated with Investment Options • An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolio Companies).
• Each investment option, including the Fixed Account, has its own unique risks.
• You should review the prospectuses for the available funds and the prospectus disclosure concerning the Fixed Account before making an investment decision. 		Principal Risks
Insurance Company Risks An investment in the Contract is subject to the risks related to us. Any obligations (including under the Fixed Account), or guarantees and benefits of the Contract that exceed the assets of the Separate Account are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about BLIC, including our financial strength ratings, is available by contacting us at (888) 243-1968. Principal Risks
  Restrictions  
Investments • Currently, we allow unlimited transfers without charge among investment options during the Accumulation Phase. However, we reserve the right to impose a charge for transfers in excess of 12 per year.
• We reserve the right to limit transfers in circumstances of frequent or large transfers.
• We reserve the right to remove or substitute the Portfolio Companies available as investment options under the Contract. 		Investment Options
Optional Benefits • Certain optional benefits limit or restrict the investment options that you may select under the Contract. We may change these restrictions in the future.
• Certain optional benefits could limit subsequent Purchase Payments.
• Withdrawals may reduce the value of an optional benefit by an amount greater than the value withdrawn, which could significantly reduce the value or even terminate the benefit.
• We may stop offering an optional benefit at any time for new sales.
• Purchase Payment Credits are not included in the calculation of any optional benefit, as well as the Standard Death Benefit. 		Purchase – Investment Allocation Restrictions for Certain Riders
 
Living Benefits
 
Appendix B: Investment Portfolios Available Under the Benefits Offered Under the Contract
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  Taxes Location in
Prospectus
Tax Implications • Consult with a tax professional to determine the tax implications of an investment in and payments received under this Contract.
• If you purchase the Contract through a tax-qualified plan or individual retirement account, you do not get any additional tax benefit.
• You will generally not be taxed on increases in the value of the Contract until they are withdrawn. Withdrawals will be subject to ordinary income tax, and may be subject to tax penalties if you take a withdrawal before age 59 1⁄2. 		Federal Income Tax Status
  Conflicts of Interest  
Investment
Professional
Compensation 		Your investment professional may receive compensation for selling this Contract to you, in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. This conflict of interest may influence your investment professional to recommend this Contract over another investment for which the investment professional is not compensated or compensated less. Other Information – Distributor
Exchanges If you already own an insurance Contract, some investment professionals may have a financial incentive to offer you a new Contract in place of the one you own. You should only exchange a Contract you already own if you determine, after comparing the features, fees, and risks of both Contracts, that it is better for you to purchase the new Contract rather than continue to own your existing Contract. Replacement of Contracts and Other Exchanges
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APPENDIX A
Investment Portfolios Available Under the Contract
The following is a list of Investment Portfolios under the Contract. More information about the Investment Portfolios is available in the prospectuses for the Investment Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/BHF/TAHD/BHF180. You can also request this information at no cost by calling (888) 243-1932 or sending an email request to rcg@brighthousefinancial.com. Depending on the optional benefits you choose, you may not be able to invest in certain Investment Portfolios. See Appendix B: Investment Portfolios Available Under the Benefits Offered Under the Contract.
The current expenses and performance information below reflects fees and expenses of the Investment Portfolio, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Investment Portfolio’s past performance is not necessarily an indication of future performance.
Investment Objectives Portfolio Company and
Adviser/Sub-Adviser 		Current Expenses Average Annual
Total Returns
(as of 12/31/2020)
1
Year 		5
Year 		10
Year
Seeks capital appreciation and current income. AB Global Dynamic Allocation Portfolio — Class B#*
Brighthouse Investment Advisers, LLC
Subadviser: AllianceBernstein L.P. 		0.89% 6.09% 6.52%  — 
Seeks a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. American Funds® Balanced Allocation Portfolio — Class C‡
Brighthouse Investment Advisers, LLC 		1.02% 15.57% 10.74% 8.73%
Seeks growth of capital. American Funds® Growth Allocation Portfolio — Class C‡
Brighthouse Investment Advisers, LLC 		1.04% 16.93% 12.49% 10.16%
Seeks to achieve growth of capital. American Funds® Growth Portfolio — Class C
Brighthouse Investment Advisers, LLC; Capital Research and Management CompanySM 		0.92% 51.63% 22.37% 16.48%
Seeks a high total return in the form of income and growth of capital, with a greater emphasis on income. American Funds® Moderate Allocation Portfolio — Class C‡
Brighthouse Investment Advisers, LLC 		1.01% 12.99% 8.91% 7.36%
Seeks total return. AQR Global Risk Balanced Portfolio — Class B#*
Brighthouse Investment Advisers, LLC
Subadviser: AQR Capital Management, LLC 		0.94% 3.02% 6.72%  — 
Seeks capital appreciation and current income. BlackRock Global Tactical Strategies Portfolio — Class B#*
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Financial Management, Inc. 		0.95% 4.31% 6.68%  — 
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Investment Objectives Portfolio Company and
Adviser/Sub-Adviser 		Current Expenses Average Annual
Total Returns
(as of 12/31/2020)
1
Year 		5
Year 		10
Year
Seeks to maximize total return, consistent with income generation and prudent investment management. BlackRock High Yield Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Financial Management, Inc. 		0.91% 7.51% 8.05% 6.65%
Seeks growth of capital. Brighthouse Asset Allocation 100 Portfolio — Class B‡
Brighthouse Investment Advisers, LLC 		0.99% 18.91% 12.80% 10.36%
Seeks a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. Brighthouse Balanced Plus Portfolio — Class B#*
Brighthouse Investment Advisers, LLC
Subadviser: Overlay Portion: Pacific Investment Management Company LLC 		0.91% 12.52% 10.56%  — 
Seeks long-term capital appreciation. Brighthouse Small Cap Value Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadvisers: Delaware Investments Fund Advisers; Wells Capital Management Incorporated 		1.11% -0.57% 9.74% 8.09%
Seeks capital appreciation. Brighthouse/Aberdeen Emerging Markets Equity Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Aberdeen Asset Managers Limited 		1.19% 27.30% 13.55% 3.40%
Seeks a high level of current income. Brighthouse/Eaton Vance Floating Rate Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Eaton Vance Management 		0.93% 2.06% 4.42% 3.49%
Seeks a high level of current income, while seeking preservation of shareholders’ capital. Brighthouse/Franklin Low Duration Total Return Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Franklin Advisers, Inc. 		0.73% 2.12% 2.32%  — 
Seeks current income with capital appreciation and growth of income. Brighthouse/Templeton International Bond Portfolio — Class B
Brighthouse Investment Advisers, LLC
Subadviser: Franklin Advisers, Inc. 		0.93% -5.91% -0.58% 0.81%
Seeks total return through investment in real estate securities, emphasizing both capital appreciation and current income. Clarion Global Real Estate Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: CBRE Clarion Securities LLC 		0.89% -5.02% 3.88% 5.23%
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Investment Objectives Portfolio Company and
Adviser/Sub-Adviser 		Current Expenses Average Annual
Total Returns
(as of 12/31/2020)
1
Year 		5
Year 		10
Year
Seeks long-term capital appreciation. Harris Oakmark International Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Harris Associates L.P. 		1.01% 5.12% 7.02% 6.21%
Seeks total return. Invesco Balanced-Risk Allocation Portfolio — Class B#*
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc. 		0.93% 10.14% 7.86%  — 
Seeks capital growth and income. Invesco Comstock Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc. 		0.84% -0.51% 8.62% 9.40%
Seeks long-term growth of capital. Invesco Small Cap Growth Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc. 		1.06% 56.76% 19.89% 15.72%
Seeks to maximize total return. JPMorgan Core Bond Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: J.P. Morgan Investment Management Inc. 		0.69% 7.89% 4.28% 3.43%
Seeks capital appreciation and current income. JPMorgan Global Active Allocation Portfolio — Class B#*
Brighthouse Investment Advisers, LLC
Subadviser: J.P. Morgan Investment Management Inc. 		0.97% 12.23% 7.89%  — 
Seeks high total investment return through a combination of capital appreciation and income. Loomis Sayles Global Allocation Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P. 		1.03% 14.79% 12.28% 9.69%
Seeks long-term growth of capital. Loomis Sayles Growth Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P. 		0.82% 32.23% 13.05% 14.14%
Seeks a balance between growth of capital and current income, with a greater emphasis on growth of capital. MetLife Multi-Index Targeted Risk Portfolio — Class B*
Brighthouse Investment Advisers, LLC
Subadviser: Overlay Portion: MetLife Investment Advisors, LLC 		0.65% 6.56% 7.74%  — 
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Investment Objectives Portfolio Company and
Adviser/Sub-Adviser 		Current Expenses Average Annual
Total Returns
(as of 12/31/2020)
1
Year 		5
Year 		10
Year
Seeks capital appreciation. MFS ® Research International Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services Company 		0.89% 13.02% 9.64% 6.05%
Seeks total return. PanAgora Global Diversified Risk Portfolio — Class B*
Brighthouse Investment Advisers, LLC
Subadviser: PanAgora Asset Management, Inc. 		1.13% 11.85% 9.55%  — 
Seeks maximum real return, consistent with preservation of capital and prudent investment management. PIMCO Inflation Protected Bond Portfolio — Class B
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management Company LLC 		1.03% 11.54% 5.06% 3.45%
Seeks maximum total return, consistent with the preservation of capital and prudent investment management. PIMCO Total Return Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management Company LLC 		0.81% 8.51% 4.72% 3.79%
Seeks capital appreciation and current income. Schroders Global Multi-Asset Portfolio — Class B#*
Brighthouse Investment Advisers, LLC
Subadvisers: Schroder Investment Management North America Inc.; Schroder Investment Management North America Limited 		0.93% 2.11% 6.29%  — 
Seeks growth of capital and income. SSGA Growth and Income ETF Portfolio — Class B‡
Brighthouse Investment Advisers, LLC
Subadviser: SSGA Funds Management, Inc. 		0.76% 9.83% 8.52% 7.23%
Seeks growth of capital. SSGA Growth ETF Portfolio — Class B‡
Brighthouse Investment Advisers, LLC
Subadviser: SSGA Funds Management, Inc. 		0.80% 10.75% 9.61% 8.03%
Seeks long-term capital appreciation by investing in common stocks believed to be undervalued. Income is a secondary objective. T. Rowe Price Large Cap Value Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc. 		0.78% 2.87% 9.90% 10.25%
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Investment Objectives Portfolio Company and
Adviser/Sub-Adviser 		Current Expenses Average Annual
Total Returns
(as of 12/31/2020)
1
Year 		5
Year 		10
Year
Seeks long-term growth of capital. T. Rowe Price Mid Cap Growth Portfolio — Class B
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc. 		1.03% 23.92% 16.05% 14.48%
Seeks high total return by investing in equity securities of mid-sized companies. Victory Sycamore Mid Cap Value Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Victory Capital Management Inc. 		0.85% 7.64% 9.54% 8.52%
Seeks long-term capital appreciation. Wells Capital Management Mid Cap Value Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Wells Capital Management 		0.97% 2.72% 8.64% 8.62%
Seeks a high level of current income, consistent with preservation of principal. Western Asset Management Government Income Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management Company 		0.69% 7.68% 3.76%  — 
Seeks long-term growth of capital. Baillie Gifford International Stock Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Baillie Gifford Overseas Limited 		0.97% 26.26% 14.43% 7.37%
Seeks a high level of current income consistent with prudent investment risk and preservation of capital. BlackRock Ultra-Short Term Bond Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC 		0.61% 0.19% 0.87% 0.43%
Seeks a high level of current income, with growth of capital as a secondary objective. Brighthouse Asset Allocation 20 Portfolio — Class B#‡
Brighthouse Investment Advisers, LLC 		0.89% 9.52% 5.90% 4.98%
Seeks high total return in the form of income and growth of capital, with a greater emphasis on income. Brighthouse Asset Allocation 40 Portfolio — Class B‡
Brighthouse Investment Advisers, LLC 		0.88% 11.04% 7.57% 6.45%
Seeks a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. Brighthouse Asset Allocation 60 Portfolio — Class B‡
Brighthouse Investment Advisers, LLC 		0.90% 13.85% 9.42% 7.92%
Seeks growth of capital. Brighthouse Asset Allocation 80 Portfolio — Class B‡
Brighthouse Investment Advisers, LLC 		0.94% 16.59% 11.30% 9.32%
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Investment Objectives Portfolio Company and
Adviser/Sub-Adviser 		Current Expenses Average Annual
Total Returns
(as of 12/31/2020)
1
Year 		5
Year 		10
Year
Seeks long-term capital growth. Brighthouse/Artisan Mid Cap Value Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Artisan Partners Limited Partnership 		1.03% 5.98% 9.35% 8.82%
Seeks long-term capital appreciation. Brighthouse/Dimensional International Small Company Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Dimensional Fund Advisors LP 		1.08% 8.79% 7.98% 6.20%
Seeks to provide a growing stream of income over time and, secondarily, long-term capital appreciation and current income. Brighthouse/Wellington Core Equity Opportunities Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company LLP 		0.86% 10.97% 12.94% 11.53%
Seeks to provide a growing stream of income over time and, secondarily, long-term capital appreciation and current income. Brighthouse/Wellington Core Equity Opportunities Portfolio — Class E†
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company LLP 		0.76% 11.08% 13.05% 11.64%
Seeks maximum capital appreciation. Frontier Mid Cap Growth Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Frontier Capital Management Company, LLC 		0.98% 31.38% 16.63% 13.29%
Seeks long-term growth of capital. Jennison Growth Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Jennison Associates LLC 		0.79% 56.37% 23.20% 18.37%
Seeks to track the performance of the Bloomberg Barclays U.S. Aggregate Bond Index. MetLife Aggregate Bond Index Portfolio — Class G#
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Advisors, LLC 		0.57% 6.89% 3.90% 3.27%
Seeks to track the performance of the Standard & Poor’s MidCap 400® Composite Stock Price Index. MetLife Mid Cap Stock Index Portfolio — Class G
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Advisors, LLC 		0.62% 13.07% 11.75% 10.92%
Seeks to track the performance of the MSCI EAFE® Index. MetLife MSCI EAFE® Index Portfolio — Class G
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Advisors, LLC 		0.69% 7.52% 7.14% 5.02%
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Investment Objectives Portfolio Company and
Adviser/Sub-Adviser 		Current Expenses Average Annual
Total Returns
(as of 12/31/2020)
1
Year 		5
Year 		10
Year
Seeks to track the performance of the Russell 2000® Index. MetLife Russell 2000® Index Portfolio — Class G
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Advisors, LLC 		0.63% 19.26% 12.88% 10.87%
Seeks to track the performance of the Standard & Poor’s 500® Composite Stock Price Index. MetLife Stock Index Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Advisors, LLC 		0.52% 17.83% 14.65% 13.32%
Seeks capital appreciation. MFS ® Value Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services Company 		0.83% 3.66% 10.14% 10.96%
Seeks high total return, consisting principally of capital appreciation. Neuberger Berman Genesis Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Neuberger Berman Investment Advisers LLC 		1.10% 24.76% 15.48% 12.64%
Seeks long-term growth of capital. T. Rowe Price Large Cap Growth Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc. 		0.83% 36.64% 19.04% 16.66%
Seeks long-term capital appreciation with income as a secondary consideration. VanEck Global Natural Resources Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Van Eck Associates Corporation 		1.01% 21.18% 6.68% -3.31%
Seeks to maximize total return consistent with preservation of capital. Western Asset Management Strategic Bond Opportunities Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management Company 		0.80% 6.61% 6.44% 5.29%
Seeks to maximize total return consistent with preservation of capital. Western Asset Management Strategic Bond Opportunities Portfolio — Class E†
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management Company 		0.70% 6.77% 6.55% 5.39%
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Investment Objectives Portfolio Company and
Adviser/Sub-Adviser 		Current Expenses Average Annual
Total Returns
(as of 12/31/2020)
1
Year 		5
Year 		10
Year
Seeks to maximize total return consistent with preservation of capital and maintenance of liquidity. Western Asset Management U.S. Government Portfolio — Class B#
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management Company 		0.73% 4.91% 2.80% 2.41%
# Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please see the Investment Portfolios' prospectuses for additional information regarding these arrangements.
* This Investment Portfolio is managed in a way that is intended to minimize volatility of returns (referred to as a “managed volatility strategy”). See “Principal Risks of Investing in the Contract.”
‡ This Investment Portfolio is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Investment Portfolio invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including the management fee.
† This Investment Portfolio is only available for Contracts issued prior to 04/29/2016.
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APPENDIX B
Investment Portfolios Available Under the Benefits Offered Under the Contract
If you have elected an optional benefit under the contract, your contract may be subject to investment allocation restrictions, as reflected in the following table. See “Investment Allocation Restrictions for Certain Riders” for more details. If your optional benefit is not included in the table below, your contract is not currently subject to any investment allocation restrictions.
Optional Benefit
GMIB Plus III
GMIB Plus II
Lifetime Withdrawal Guarantee II
(LWG II)
Enhanced Death Benefit II
(EDB II)
Enhanced Death Benefit I
(EDB I)
You may not allocate Purchase Payments to the Standard Dollar Cost Averaging Program if you elect any of these optional benefits.
Investment Allocation and Other Purchase Payment Restrictions for GMIB Plus II, GMIB Plus III, Lifetime Withdrawal Guarantee II, EDB I, and EDB II
GMIB Plus II, GMIB Plus III, Lifetime Withdrawal Guarantee II, EDB I, and EDB II. If you elect the GMIB Plus II, GMIB Plus III, Lifetime Withdrawal Guarantee II, Enhanced Death Benefit I, or Enhanced Death Benefit II, you must allocate your investments according to either Option A or Option B below.
Option A. You must allocate 100% of your Purchase Payments or Account Value among:
AB Global Dynamic Allocation Portfolio
American Funds® Balanced Allocation Portfolio
American Funds® Growth Allocation Portfolio1
American Funds® Moderate Allocation Portfolio
AQR Global Risk Balanced Portfolio
BlackRock Global Tactical Strategies Portfolio
BlackRock Ultra-Short Term Bond Portfolio
Brighthouse Asset Allocation 20 Portfolio
Brighthouse Asset Allocation 40 Portfolio
Brighthouse Asset Allocation 60 Portfolio
Brighthouse Asset Allocation 80 Portfolio1
Brighthouse Balanced Plus Portfolio
Invesco Balanced-Risk Allocation Portfolio
JPMorgan Global Active Allocation Portfolio
MetLife Multi-Index Targeted Risk Portfolio
PanAgora Global Diversified Risk Portfolio
Schroders Global Multi-Asset Portfolio
SSGA Growth and Income ETF Portfolio
SSGA Growth ETF Portfolio1
 
OR
Option B. You must allocate at least 30%of Purchase Payments or Account Value to Platform 1 portfolios and/or to the Fixed Account; up to 70% of Purchase Payments or Account Value to Platform 2 portfolios; up to 15% of Purchase Payments or Account Value to Platform 3 portfolios; and up to 15% of Purchase Payments or Account Value to Platform 4 portfolios.
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For contracts issued prior to May 4, 2009 the following investment allocation restrictions apply under Option B. You must allocate at least 15% of Purchase Payments and Account Value to Platform 1 portfolios and/or the Fixed Account; up to 85% of Purchase Payments or Account Value to Platform 2 portfolios; (the percentages of Platforms 3 and 4 are the same as those listed above).
We will automatically rebalance your allocations quarterly. The investment options in each Platform are:
Platform 1 Platform 2
A minimum of 30% of Purchase Payments or Account Value A maximum of 70% of Purchase Payments or Account Value
BlackRock Ultra-Short Term Bond Portfolio AB Global Dynamic Allocation Portfolio
Brighthouse/Franklin Low Duration Total Return Portfolio American Funds® Balanced Allocation Portfolio
JPMorgan Core Bond Portfolio American Funds® Growth Allocation Portfolio
MetLife Aggregate Bond Index Portfolio American Funds® Growth Portfolio
PIMCO Inflation Protected Bond Portfolio American Funds® Moderate Allocation Portfolio
PIMCO Total Return Portfolio AQR Global Risk Balanced Portfolio
Western Asset Management Government Income Portfolio Baillie Gifford International Stock Portfolio
Western Asset Management U.S. Government Portfolio BlackRock Global Tactical Strategies Portfolio
  BlackRock High Yield Portfolio
  Brighthouse Asset Allocation 100 Portfolio
  Brighthouse Asset Allocation 20 Portfolio
  Brighthouse Asset Allocation 40 Portfolio
  Brighthouse Asset Allocation 60 Portfolio
  Brighthouse Asset Allocation 80 Portfolio
  Brighthouse Balanced Plus Portfolio
  Brighthouse/Wellington Core Equity Opportunities Portfolio
  Harris Oakmark International Portfolio
  Invesco Balanced-Risk Allocation Portfolio
  Invesco Comstock Portfolio
  Jennison Growth Portfolio
  JPMorgan Global Active Allocation Portfolio
  Loomis Sayles Global Allocation Portfolio
  Loomis Sayles Growth Portfolio
  MetLife MSCI EAFE® Index Portfolio
  MetLife Multi-Index Targeted Risk Portfolio
  MetLife Stock Index Portfolio
  MFS ® Research International Portfolio
  MFS ® Value Portfolio
  PanAgora Global Diversified Risk Portfolio
  Schroders Global Multi-Asset Portfolio
  SSGA Growth and Income ETF Portfolio
  SSGA Growth ETF Portfolio
  T. Rowe Price Large Cap Growth Portfolio
  T. Rowe Price Large Cap Value Portfolio
  Western Asset Management Strategic Bond Opportunities Portfolio
    
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Platform 3 Platform 4
A maximum of 15% of Purchase Payments or Account Value A maximum of 15% of Purchase Payments or Account Value
Brighthouse/Artisan Mid Cap Value Portfolio Brighthouse Small Cap Value Portfolio
Frontier Mid Cap Growth Portfolio Brighthouse/Aberdeen Emerging Markets Equity Portfolio
MetLife Mid Cap Stock Index Portfolio Brighthouse/Dimensional International Small Company Portfolio
T. Rowe Price Mid Cap Growth Portfolio Brighthouse/Eaton Vance Floating Rate Portfolio
Victory Sycamore Mid Cap Value Portfolio Brighthouse/Templeton International Bond Portfolio
Wells Capital Management Mid Cap Value Portfolio Clarion Global Real Estate Portfolio
  Invesco Small Cap Growth Portfolio
  MetLife Russell 2000® Index Portfolio
  Neuberger Berman Genesis Portfolio
  VanEck Global Natural Resources Portfolio
1 Only available for issues prior to 05/04/09
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The prospectus and statement of additional information (“SAI”) include additional information. The prospectus and SAI are dated the same as this summary prospectus and are incorporated by reference. The prospectus and SAI are available, without charge, upon request. For a free copy, call us at (888) 243-1932, or send an email request to rcg@brighthousefinancial.com. You can also access the prospectus, SAI and other information about the Contract online at https://dfinview.com/BHF/TAHD/BHF180.
Reports and other information about BLIC are available on the SEC’s website at https://www.sec.gov/ and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.
EDGAR Contract Identifier No. is C000151855