Brighthouse Fixed Rate Annuity
Brighthouse Financial
4.85%
Best Rate
10%
Free W/D
50
States
A fixed annuity that guarantees your interest rate for your chosen time period while providing flexible access to your money. Designed for conservative investors seeking predictable growth for retirement.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.35% |
| 5-Year | 4.75% |
| 7-Year | 4.85% |
Key Features
Guaranteed Interest Periods
3, 5, or 7 year optionsChoose to lock in your rate for 3, 5, or 7 years
Enhanced Rate for Larger Deposits
$100,000+ thresholdHigher guaranteed rates for investments of $100,000 or more
Free Annual Withdrawals
10% annuallyWithdraw up to 10% each year without surrender charges
Principal Guarantee Rider
Optional at issueOptional protection ensures you never lose your initial investment
Monthly Interest Income
Monthly payments availableReceive monthly payments equal to previous month's interest earnings
Highlights
Lock in guaranteed interest rates for 3, 5, or 7 years with higher rates for deposits of $100,000+
10% annual free withdrawals without penalty, plus additional flexibility for required distributions
Optional return of premium guarantee protects your initial investment from loss
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Conservative investors seeking guaranteed returns and flexible access to funds during retirement planning.
Consider Alternatives If
Investors seeking higher growth potential or those who may need access to more than 10% of their funds annually during the surrender period.
Carrier Ratings
Free Comparison Report
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