Large accelerated filer filer ☐ |
Accelerated filer filer ☐ |
Non-accelerated filer ☒ |
Smaller reporting company filer ☐ |
|
Emerging growth company filer ☐ |
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A-1 | |
B-1 | |
C-1 | |
D-1 |
Contract |
Individual single premium deferred index-linked separate account annuity
contract. |
Purchase Payment |
The minimum Purchase Payment: $25,000. Prior approval required for a
Purchase Payment of less than $25,000 or $1,000,000 or more. |
Owner and Annuitant Issue Ages |
0-75 |
Contract Periods |
The Contract has two periods: •The Accumulation Period, the period prior to the Annuity Date; and •The Income Period, which begins on the Annuity Date and during which Income Payments are provided. |
Account Value |
The total of the Fixed Account Value and the value of the Shield Option(s) under
the Contract during the Accumulation Period. |
Shield Option |
Each Shield Option offered through this Contract has a Term of 1 year and the
Shield 10 Shield Rate. For each Shield Option, you select (i) which
Securities Index you want the performance of your Contract to be
based on and (ii) the Rate Crediting Type. |
Term |
1 year in length. |
Index |
The current Indices are as follows: •S&P 500® Index (Price Return Index); •Russell 2000® Index (Price Return Index); and •MSCI EAFE Index (Price Return Index). |
Shield Rate |
Shield 10 — A Shield Rate where negative Index Performance of up to 10% of your Investment Amount is absorbed by us at the Term End Date, which would
leave you to absorb any remaining negative Index Performance of up to 90% of
your Investment Amount. |
Rate Crediting Type |
A Shield Option can only have one associated Rate Crediting Type: either a Cap
Rate or a Step Rate. |
Interim Value |
For each Shield Option, the value we assign on any Business Day prior to the
Term End Date. The Interim Value of a Shield Option is equal to the
Investment Amount in the Shield Option, adjusted for the Index
Performance of the associated Index and subject to the applicable
Accrued Shield Rate, Accrued Cap Rate or Accrued Step
Rate. |
Transfers |
During the Accumulation Period you may make transfers to the Fixed Account
and/or to new Shield Option(s) during the Transfer Period. The
effective date of such transfer is the first day of the Interest
Rate Term and/or the Term in which the transfer is
made. |
Fixed Account |
See Appendix D. |
Access to Your Money |
You may withdraw some or all of your money at any time prior to the Annuity
Date. For any withdrawal, a Performance Rate Adjustment, as of the
date of the withdrawal, will apply and may be substantial. In
addition, a withdrawal taken in excess of the Free Withdrawal Amount
may be subject to a Withdrawal Charge. |
Withdrawal Charge |
A percentage charge applied to withdrawals in excess of the Free Withdrawal
Amount. The Free Withdrawal Amount is 0% in the first Contract Year,
and 10% of Account Value in each subsequent Contract Year to the
extent that amount has not already been withdrawn that Contract
Year. The Withdrawal Charge is calculated at the time of each
withdrawal in accordance with the following: |
|
|
|
|
|
|
|
Number of
Complete
Contract Years
since Issue Date |
Withdrawal
Charge
percentage |
|
|
|
0 |
7% |
|
|
|
1 |
7% |
|
|
|
2 |
6% |
|
|
|
3 |
5% |
|
|
|
4 |
4% |
|
|
|
5 |
3% |
|
|
|
6 or more |
0% |
|
|
See “WITHDRAWAL PROVISIONS — When No Withdrawal Charge Applies”
for a list of Withdrawal Charge waivers |
Systematic Withdrawal Program |
You may elect the Systematic Withdrawal Program to
provide automated processing of amounts withdrawn from your
Contract, subject to program terms. We do not assess a charge
for the program and you may terminate your
participation in the program at any time. Withdrawals
under the Systematic Withdrawal Program are subject
to the same Withdrawal Charge provisions and risks as any other
withdrawals under the Contract. Moreover, since Withdrawal Amounts
from a Shield Option will reduce the Investment Amount for that
Shield Option by the percentage reduction in the Interim Value of that Shield
Option, a withdrawal when Index Performance is negative will cause a
greater percentage reduction in the Investment Amount relative to
the percentage reduction for the same Withdrawal Amount when Index
Performance is positive. Since withdrawals
under the Systematic Withdrawal Program are automatic,
you will have no control over the timing of those withdrawals. See
“WITHDRAWAL PROVISIONS – Systematic Withdrawal Program” for
availability and other restrictions. |
Death Benefit |
The death benefit is the greater of the Account Value or your Purchase Payment
(reduced proportionally by the percentage reduction in Account Value
of the Shield Option(s) and the Fixed Account for each partial
withdrawal (including any applicable Withdrawal Charge)) determined
as of the end of the Business Day on which we receive Notice of due
proof of death and an acceptable election for the payment
method. |
Annuity Options |
You can choose an Annuity Option. After Income Payments begin, you cannot
change the Annuity Option. You can choose one of the following
Annuity Options on a fixed payment basis or any other Annuity Option
acceptable to us: (i)Life Annuity; (ii)Life Annuity with 10 Years of Income Payments Guaranteed; (iii)Joint and Last Survivor Annuity; and (iv)Joint and Last Survivor Annuity with 10 Years of Income Payments Guaranteed. The Annuity Options may be limited due to the requirements of the Code. |
Charges and Expenses |
You will bear the following charges and expenses: (i)Withdrawal Charges; and (ii)Premium and Other Taxes. |
Your Right to Cancel |
You may cancel the Contract within 10 days after receiving it by mailing or
delivering the Contract to either us or the financial representative
who sold it. This is known as a “Free Look.” You will
receive (i) whatever your Contract is worth, plus (ii) the sum of
all fees, taxes and charges deducted from the Purchase Payment
during the Free Look period, as of the effective date of the Free
Look, on the Business Day we receive your Contract and we will not
deduct a Withdrawal Charge. The amount you receive may be more or less than
your Purchase Payment depending on the Shield Options you allocated
your Purchase Payment to during the Free Look period.
|
Shield Option type: |
If Index Performance (can be positive,
zero or negative) is: |
Performance Rate will equal: |
Shield 10 with a Cap Rate |
less than or equal to zero |
the lesser of: zero or the Index Performance increased by the Shield Rate (For example: a -15% Index Performance with a Shield 10 will result in a -5% Performance Rate. The Performance Rate can never be greater than zero if the Index Performance is negative.) |
|
greater than zero and less than the
Cap Rate |
the Index Performance |
|
greater than zero and equals or
exceeds the Cap Rate |
the Cap Rate |
Shield 10 with a Step Rate |
less than zero |
the lesser of: zero or the Index Performance increased by the Shield Rate (For example: a -15% Index Performance with a Shield 10 will result in a -5% Performance Rate. The Performance Rate can never be greater than zero if the Index Performance is negative.) |
|
equal to or greater than zero |
the Step Rate |
Contract Year |
1 |
2 |
3 |
4 |
5 |
Term Start Date | |||||
Investment Amount(1) |
$50,000 |
$55,000 |
$57,750 |
$57,750 |
$57,750 |
Index Value |
1,000 |
1,200 |
1,260 |
1,260 |
1,197 |
Term End Date | |||||
Index Value |
1,200 |
1,260 |
1,260 |
1,197 |
1,017 |
Index Performance(2) |
20% |
5% |
0% |
-5% |
-15% |
Cap Rate |
10% |
10% |
10% |
10% |
10% |
Shield Rate |
10% |
10% |
10% |
10% |
10% |
Performance Rate (one year)(3) |
10% |
5% |
0% |
0% |
-5% |
Performance Rate Adjustment(4) |
$5,000 |
$2,750 |
$0 |
$0 |
-$2,888 |
Investment Amount(5) |
$55,000 |
$57,750 |
$57,750 |
$57,750 |
$54,862 |
Contract Year |
1 |
2 |
3 |
4 |
5 |
Term Start Date | |||||
Investment Amount(1) |
$50,000 |
$54,000 |
$58,320 |
$62,986 |
$62,986 |
Index Value |
1,000 |
1,050 |
1,260 |
1,260 |
1,134 |
Term End Date | |||||
Index Value |
1,050 |
1,260 |
1,260 |
1,134 |
964 |
Index Performance(2) |
5% |
20% |
0% |
-10% |
-15% |
Step Rate |
8% |
8% |
8% |
8% |
8% |
Shield Rate |
10% |
10% |
10% |
10% |
10% |
Performance Rate (one year)(3) |
8% |
8% |
8% |
0% |
-5% |
Performance Rate Adjustment(4) |
$4,000 |
$4,320 |
$4,666 |
$0 |
-$3,149 |
Investment Amount(5) |
$54,000 |
$58,320 |
$62,986 |
$62,986 |
$59,837 |
Term Start Date | |
Investment Amount |
$50,000 |
Shield Rate |
Shield 10 |
Cap Rate |
10% |
Index Value |
500 |
Interim Value Calculation Halfway Through Term | |
Index Value |
600 |
Index Performance(1) |
20% |
Accrued Cap Rate(2) |
5% |
Performance Rate(3) |
5% |
Performance Rate Adjustment(4) |
$2,500 |
Interim Value(5) |
$52,500 |
Term Start Date | |
Investment Amount |
$50,000 |
Shield Rate |
Shield 10 |
Cap Rate |
10% |
Index Value |
500 |
Interim Value Calculation Halfway Through Term | |
Index Value |
400 |
Index Performance(1) |
–20% |
Accrued Shield Rate(2) |
5% |
Performance Rate(3) |
–15% |
Performance Rate Adjustment(4) |
–$7,500 |
Interim Value(5) |
$42,500 |
Number of
Complete Contract Years since Issue Date |
Withdrawal Charge
percentage |
0 |
7% |
1 |
7% |
2 |
6% |
3 |
5% |
4 |
4% |
5 |
3% |
6 or more |
0% |
Term Start Date | |
Investment Amount |
$50,000 |
Shield Rate |
Shield 10 |
Cap Rate |
10% |
Index Value |
500 |
Interim Value Calculation Halfway Through Term | |
Index Value |
600 |
Index Performance(1) |
20% |
Accrued Cap Rate(2) |
5% |
Performance Rate(3) |
5% |
Performance Rate Adjustment(4) |
$2,500 |
Interim Value(5) |
$52,500 |
Withdrawal Amount taken |
$20,000 |
Investment Amount adjusted for any withdrawals(6) |
$30,952 |
Net Proceeds from withdrawal paid to Contract Owner(7) |
$20,000 |
Term End Date | |
Index Value |
700 |
Index Performance(8) |
40% |
Performance Rate(9) |
10% |
Performance Rate Adjustment(10) |
$3,095 |
Investment Amount(11) |
$34,047 |
Term Start Date | |
Investment Amount |
$50,000 |
Shield Rate |
Shield 10 |
Cap Rate |
10% |
Index Value |
500 |
Interim Value Calculation Halfway Through Term | |
Index Value |
400 |
Index Performance(1) |
–20% |
Accrued Shield Rate(2) |
5% |
Performance Rate(3) |
–15% |
Performance Rate Adjustment(4) |
–$7,500 |
Interim Value Halfway Through Term(5) |
$42,500 |
Withdrawal Amount taken |
$20,000 |
Investment Amount adjusted for any withdrawals(6) |
$26,471 |
Free Withdrawal Amount(7) |
$5,000 |
Withdrawal Charge Amount(8) |
$1,050 |
Net Proceeds from Withdrawal paid to Contract Owner(9) |
$18,950 |
Term End Date | |
Index Value |
450 |
Index Performance(10) |
–10% |
Performance Rate(11) |
0% |
Performance Rate Adjustment(12) |
$0 |
Investment Amount(13) |
$26,471 |
Contract Year |
1 |
Term Start Date | |
Investment Amount |
$50,000 |
Index Value |
1,000 |
Term End Date | |
Index Value |
1,200 |
Index Performance(1) |
20% |
Cap Rate |
10% |
Shield Rate |
Shield 10 |
Performance Rate (one year)(2) |
10% |
Performance Rate Adjustment(3) |
$5,000 |
Investment Amount(4) |
$55,000 |
Contract Year |
2 | |
|
1-Year Term / Shield 10 / S&P 500® Index with a Cap Rate of 10% |
1-Year Term / Shield 10 / Russell
2000® Index with a Cap Rate of 12% |
Investment Amount at Term Start Date
(second term)(1) |
$27,500 |
$27,500 |
Plan Type |
Elective Contribution |
Catch-up Contribution |
IRA |
$6,000 |
$1,000 |
SIMPLE IRA |
$14,000 |
$3,000 |
401(k) |
$20,500 |
$6,500 |
SEP/401(a) |
(Employer contributions only) |
|
403(b) [TSA] |
$20,500 |
$6,500 |
457(b) |
$20,500 |
$6,500 |
Component of Adjusted Earnings |
How Derived from
GAAP(1) | ||
(i) |
Fee income |
(i) |
Universal life and investment-type product policy fees (excluding (a) unearned revenue adjustments related to net investment gains (losses) and net derivative gains (losses) and (b) GMIB Fees) plus Other revenues and amortization of deferred gain on reinsurance. |
(ii) |
Net investment spread |
(ii) |
Net investment income plus Investment Hedge Adjustments
and interest received on ceded fixed annuity reinsurance
deposit funds reduced by Interest credited to policyholder account balances and interest on future policy
benefits. |
(iii) |
Insurance-related activities |
(iii) |
Premiums less Policyholder benefits and claims (excluding
(a) GMIB Costs, (b) Market Value Adjustments, (c) interest on
future policy benefits and (d) amortization of deferred gain
on reinsurance) plus the pass through of performance of
ceded separate account assets. |
(iv) |
Amortization of DAC |
(iv) |
Amortization of DAC (excluding amounts related to (a) net
investment gains (losses), (b) net derivative gains (losses)
and (c) GMIB Fees and GMIB Costs). |
(v) |
Other expenses, net of DAC capitalization |
(v) |
Other expenses reduced by capitalization of DAC.
|
(vi) |
Provision for income tax expense (benefit) |
(vi) |
Tax impact of the above items. |
|
Six Months
Ended June 30, |
Years
Ended December 31, | ||
|
2022 |
2021 |
2021 |
2020 |
|
(In millions) | |||
Revenues |
|
|
|
|
Premiums |
$4
|
$6
|
$13
|
$22 |
Universal life and investment-type product policy fees |
47 |
52 |
105 |
93 |
Net investment income |
88 |
76 |
157 |
134 |
Other revenues |
(43) |
(49) |
(96) |
(83) |
Net investment gains (losses) |
(9) |
— |
(3) |
13 |
Net derivative gains (losses) |
(84)
|
(56)
|
(76)
|
129 |
Total revenues |
3 |
29 |
100 |
308 |
Expenses |
|
|
|
|
Policyholder benefits and claims |
17 |
(14) |
(11) |
23 |
Interest credited to policyholder account balances |
25 |
24 |
60 |
38 |
Capitalization of DAC |
(29) |
(30) |
(58) |
(42) |
Amortization of DAC |
20 |
(2) |
(2) |
38 |
|
Six Months
Ended June 30, |
Years
Ended December 31, | ||
|
2022 |
2021 |
2021 |
2020 |
|
(In millions) | |||
Other expenses |
65 |
70 |
135 |
119 |
Total expenses |
98 |
48 |
124 |
176 |
Income (loss) before provision for income tax |
(95) |
(19) |
(24) |
132 |
Provision for income tax expense (benefit) |
(22)
|
(6)
|
(6)
|
25 |
Net income (loss) |
$(73) |
$(13) |
$(18) |
$107
|
|
Six Months
Ended June 30, |
Years
Ended December 31, | ||
|
2022 |
2021 |
2021 |
2020 |
|
(In millions) | |||
GMLB Riders |
$(97)
|
$(11)
|
$(17)
|
$102 |
Other derivative instruments |
6 |
1 |
1 |
1 |
Net investment gains (losses) |
(9) |
— |
(3) |
13 |
Other adjustments |
— |
(2) |
(3) |
— |
Pre-tax adjusted earnings |
5 |
(7)
|
(2)
|
16 |
Income (loss) before provision for income tax |
(95) |
(19) |
(24) |
132 |
Provision for income tax expense (benefit) |
(22)
|
(6)
|
(6)
|
25 |
Net income (loss) |
$(73) |
$(13) |
$(18) |
$107
|
|
Six Months
Ended June 30, |
Years
Ended December 31, | ||
|
2022 |
2021 |
2021 |
2020 |
|
(In millions) | |||
Net income (loss) |
$(73)
|
$(13)
|
$(18)
|
$107 |
Add: Provision for income tax expense (benefit) |
(22)
|
(6)
|
(6)
|
25 |
Income (loss) before provision for income tax |
(95) |
(19) |
(24) |
132 |
Less: GMLB Riders |
(97) |
(11) |
(17) |
102 |
Less: Other derivative instruments |
6 |
1 |
1 |
1 |
Less: Net investment gains (losses) |
(9) |
— |
(3) |
13 |
Less: Other adjustments |
— |
(2)
|
(3)
|
— |
Pre-tax adjusted earnings |
5 |
(7) |
(2) |
16 |
Less: Provision for income tax expense (benefit) |
(1)
|
(3)
|
(1)
|
1 |
Adjusted earnings |
$6 |
$(4) |
$(1) |
$15 |
|
Six Months
Ended June 30, |
Years
Ended December 31, | ||
|
2022 |
2021 |
2021 |
2020 |
|
(In millions) | |||
Fee income |
$61
|
$66
|
$137 |
$127 |
Net investment spread |
53 |
42 |
78 |
77 |
Insurance-related activities |
(55) |
(47) |
(103) |
(72) |
Amortization of DAC |
(18) |
(28) |
(37) |
(39) |
Other expenses, net of DAC capitalization |
(36)
|
(40)
|
(77) |
(77) |
Pre-tax adjusted earnings |
5 |
(7) |
(2) |
16 |
Provision for income tax expense (benefit) |
(1)
|
(3)
|
(1)
|
1 |
Adjusted earnings |
$6 |
$(4) |
$(1) |
$15 |
|
Six Months
Ended June 30, |
Years
Ended December 31, | ||||||||
|
2022 |
2021 |
2021 |
2020 |
2019 | |||||
|
Yield
% |
Amount |
Yield
% |
Amount |
Yield
% |
Amount |
Yield
% |
Amount |
Yield
% |
Amount |
|
(Dollars in millions) | |||||||||
Investment income(1) |
3.23% |
$92
|
3.36% |
$79
|
3.28% |
$163
|
3.54% |
$140
|
3.72% |
$125 |
Investment fees and expenses(2) |
(0.12) |
(4)
|
(0.11) |
(3)
|
(0.11) |
(6)
|
(0.13) |
(6)
|
(0.09) |
(3) |
Adjusted net investment income(3) |
3.11%
|
$88 |
3.25%
|
$76 |
3.17%
|
$157 |
3.41%
|
$134 |
3.63%
|
$122
|
|
Six Months
Ended June 30, |
Years
Ended December 31, | |||
|
2022 |
2021 |
2021 |
2020 |
2019 |
|
(In millions) | ||||
Net investment income |
$88
|
$76
|
$157 |
$134 |
$122 |
Less: Investment hedge adjustments |
— |
— |
— |
— |
— |
Adjusted net investment income — in the above yield table |
$88 |
$76 |
$157 |
$134 |
$122
|
|
June 30,
2022 |
December 31,
2021 |
December 31,
2020 | |||
|
Estimated Fair Value |
%
of Total |
Estimated Fair Value |
%
of Total |
Estimated Fair Value |
% of Total |
|
(Dollars in millions) | |||||
Publicly-traded |
$3,314
|
82.4% |
$3,948
|
84.1% |
$3,153
|
82.0% |
Privately-placed |
710 |
17.6 |
749 |
15.9 |
690 |
18.0 |
Total fixed maturity securities |
$4,024 |
100.0% |
$4,697 |
100.0% |
$3,843 |
100.0% |
Percentage of cash and invested assets |
69.4% |
|
73.4% |
|
75.4% |
|
|
|
June 30, 2022 | ||||
NAIC
Designation |
NRSRO Rating |
Amortized
Cost |
Allowance for
Credit Losses |
Unrealized Gain
(Loss) |
Estimated Fair
Value |
%
of Total |
|
|
(Dollars in millions) | ||||
1 |
Aaa/Aa/A |
$2,511
|
$—
|
$(198)
|
$2,313
|
57.5% |
2 |
Baa |
1,725 |
— |
(196)
|
1,529 |
38.0 |
Subtotal investment grade |
4,236 |
— |
(394) |
3,842 |
95.5 | |
3 |
Ba |
128 |
— |
(14) |
114 |
2.8 |
4 |
B |
67 |
— |
(9) |
58 |
1.4 |
5 |
Caa and lower |
10 |
— |
— |
10 |
0.3 |
6 |
In or near default |
— |
— |
— |
— |
— |
Subtotal below investment grade |
205 |
— |
(23)
|
182 |
4.5 | |
Total fixed maturity securities |
$4,441 |
$— |
$(417) |
$4,024 |
100.0% |
|
|
December 31,
2021 |
December
31, 2020 | ||||||||
NAIC Designation |
NRSRO
Rating |
Amortized Cost |
Allowance for Credit
Losses |
Unrealized Gain (Loss) |
Estimated Fair Value |
%
of Total |
Amortized Cost |
Allowance for Credit
Losses |
Unrealized Gain (Loss) |
Estimated Fair Value |
% of Total |
|
|
(Dollars in millions) | |||||||||
1 |
Aaa/Aa/A |
$2,476
|
$—
|
$141
|
$2,617
|
55.7% |
$2,043
|
$—
|
$231
|
$2,274
|
59.2% |
2 |
Baa |
1,761 |
— |
88 |
1,849 |
39.4 |
1,285 |
— |
146 |
1,431 |
37.2 |
Subtotal investment grade |
4,237 |
— |
229 |
4,466 |
95.1 |
3,328 |
— |
377 |
3,705 |
96.4 | |
3 |
Ba |
128 |
— |
3 |
131 |
2.8 |
92 |
— |
4 |
96 |
2.5 |
4 |
B |
89 |
— |
1 |
90 |
1.9 |
35 |
— |
1 |
36 |
0.9 |
5 |
Caa and lower |
10 |
— |
— |
10 |
0.2 |
3 |
— |
1 |
4 |
0.1 |
6 |
In or near default |
— |
— |
— |
— |
— |
2 |
— |
— |
2 |
0.1 |
Subtotal below investment grade |
227 |
— |
4 |
231 |
4.9 |
132 |
— |
6 |
138 |
3.6 | |
Total fixed maturity securities |
$4,464 |
$— |
$233 |
$4,697 |
100.0% |
$3,460 |
$— |
$383 |
$3,843 |
100.0% |
|
Fixed
Maturity Securities — by Sector & Credit Quality Rating | ||||||
NAIC Designation |
1 |
2 |
3 |
4 |
5 |
6 |
Total Estimated Fair
Value |
NRSRO
Rating |
Aaa/Aa/A |
Baa |
Ba |
B |
Caa
and Lower |
In or
Near Default | |
|
(In millions) | ||||||
June 30, 2022 |
|
|
|
|
|
|
|
U.S. corporate |
$787
|
$1,092 |
$90 |
$55 |
$—
|
$—
|
$2,024 |
Foreign corporate |
237 |
391 |
15 |
3 |
— |
— |
646 |
CMBS |
306 |
2 |
— |
— |
— |
— |
308 |
ABS |
255 |
25 |
— |
— |
10 |
— |
290 |
State and political subdivision |
249 |
17 |
— |
— |
— |
— |
266 |
U.S. government and agency |
220 |
— |
— |
— |
— |
— |
220 |
RMBS |
248 |
— |
8 |
— |
— |
— |
256 |
Foreign government |
11 |
2 |
1 |
— |
— |
— |
14 |
Total fixed maturity securities |
$2,313 |
$1,529 |
$114 |
$58 |
$10 |
$— |
$4,024
|
December 31, 2021 |
|
|
|
|
|
|
|
U.S. corporate |
$887
|
$1,373 |
$102 |
$81 |
$—
|
$—
|
$2,443 |
Foreign corporate |
246 |
421 |
17 |
9 |
— |
— |
693 |
CMBS |
348 |
1 |
— |
— |
— |
— |
349 |
ABS |
279 |
24 |
— |
— |
10 |
— |
313 |
State and political subdivision |
282 |
21 |
— |
— |
— |
— |
303 |
U.S. government and agency |
292 |
— |
— |
— |
— |
— |
292 |
RMBS |
269 |
1 |
9 |
— |
— |
— |
279 |
Foreign government |
14 |
8 |
3 |
— |
— |
— |
25 |
Total fixed maturity securities |
$2,617 |
$1,849 |
$131 |
$90 |
$10 |
$— |
$4,697
|
December 31, 2020 |
|
|
|
|
|
|
|
U.S. corporate |
$771
|
$1,022 |
$71 |
$32 |
$1
|
$—
|
$1,897 |
Foreign corporate |
194 |
351 |
10 |
4 |
— |
— |
559 |
CMBS |
323 |
2 |
2 |
— |
— |
2 |
329 |
ABS |
326 |
29 |
— |
— |
— |
— |
355 |
State and political subdivision |
117 |
20 |
— |
— |
— |
— |
137 |
U.S. government and agency |
312 |
— |
— |
— |
— |
— |
312 |
RMBS |
220 |
— |
13 |
— |
3 |
— |
236 |
Foreign government |
11 |
7 |
— |
— |
— |
— |
18 |
Total fixed maturity securities |
$2,274 |
$1,431 |
$96 |
$36 |
$4 |
$2 |
$3,843
|
|
June 30,
2022 |
December 31,
2021 |
December 31,
2020 | |||
|
Estimated Fair Value
|
%
of Total |
Estimated Fair Value
|
%
of Total |
Estimated Fair Value
|
% of Total |
|
(Dollars in millions) | |||||
Industrial |
$819
|
30.7% |
$977
|
31.2% |
$777
|
31.6% |
Finance |
805 |
30.1 |
900 |
28.7 |
636 |
25.9 |
Consumer |
663 |
24.8 |
825 |
26.3 |
651 |
26.5 |
Utility |
223 |
8.4 |
240 |
7.6 |
229 |
9.3 |
Communications |
160 |
6.0 |
194 |
6.2 |
163 |
6.7 |
Total |
$2,670 |
100.0% |
$3,136 |
100.0% |
$2,456 |
100.0% |
|
June 30,
2022 |
December 31,
2021 |
December 31,
2020 | ||||||
|
Estimated Fair Value
|
%
of Total |
Net Unrealized Gains
(Losses) |
Estimated Fair Value
|
%
of Total |
Net Unrealized Gains
(Losses) |
Estimated Fair Value
|
%
of Total |
Net Unrealized Gains
(Losses) |
|
(Dollars in millions) | ||||||||
Security type: |
|
|
|
|
|
|
|
|
|
Collateralized mortgage obligations |
$170
|
66.4% |
$(6) |
$167
|
59.9% |
$8
|
$125
|
53.0% |
$12 |
Pass-through securities |
86 |
33.6 |
(9)
|
112 |
40.1 |
1 |
111 |
47.0 |
5 |
Total RMBS |
$256 |
100.0% |
$(15) |
$279 |
100.0% |
$9 |
$236 |
100.0% |
$17 |
Risk profile: |
|
|
|
|
|
|
|
|
|
Agency |
$143
|
55.9% |
$(12)
|
$177
|
63.5% |
$5
|
$165
|
70.0% |
$11 |
Prime |
10 |
3.9 |
(1) |
5 |
1.8 |
— |
4 |
1.7 |
— |
Alt-A |
51 |
19.9 |
(2) |
38 |
13.6 |
1 |
27 |
11.4 |
2 |
Sub-prime |
52 |
20.3 |
— |
59 |
21.1 |
3 |
40 |
16.9 |
4 |
Total RMBS |
$256 |
100.0% |
$(15) |
$279 |
100.0% |
$9 |
$236 |
100.0% |
$17 |
Ratings profile: |
|
|
|
|
|
|
|
|
|
Rated Aaa |
$191
|
74.6% |
|
$201
|
72.0% |
|
$173
|
73.3% |
|
Designated NAIC 1 |
$248 |
96.9% |
|
$269 |
96.4% |
|
$220 |
93.2% |
|
|
June 30,
2022 |
December 31,
2021 |
December 31,
2020 | |||
|
Amortized Cost |
Estimated Fair Value |
Amortized Cost |
Estimated Fair Value |
Amortized Cost |
Estimated Fair Value |
|
(In millions) | |||||
2003 - 2011 |
$—
|
$—
|
$—
|
$—
|
$4
|
$4 |
2012 |
— |
— |
2 |
2 |
4 |
4 |
2013 |
5 |
6 |
6 |
6 |
5 |
6 |
2014 |
3 |
3 |
3 |
3 |
3 |
4 |
2015 |
24 |
22 |
24 |
25 |
24 |
25 |
2016 |
8 |
7 |
8 |
8 |
8 |
8 |
2017 |
63 |
60 |
63 |
67 |
50 |
56 |
2018 |
111 |
107 |
114 |
123 |
104 |
120 |
2019 |
63 |
57 |
63 |
66 |
64 |
69 |
2020 |
30 |
24 |
33 |
32 |
33 |
33 |
2021 |
17 |
16 |
17 |
17 |
— |
— |
2022 |
7 |
6 |
— |
— |
— |
— |
Total |
$331 |
$308 |
$333 |
$349 |
$299 |
$329
|
|
June 30,
2022 |
December 31,
2021 |
December 31,
2020 | ||||||
|
Estimated Fair Value
|
%
of Total |
Net Unrealized Gains
(Losses) |
Estimated Fair Value
|
%
of Total |
Net Unrealized Gains
(Losses) |
Estimated Fair Value
|
%
of Total |
Net Unrealized Gains
(Losses) |
|
(Dollars in millions) | ||||||||
Collateral type: |
|
|
|
|
|
|
|
|
|
Collateralized obligations |
$223
|
76.9% |
$(9) |
$259
|
82.7% |
$1
|
$318
|
89.6% |
$4 |
Automobile loans |
12 |
4.1 |
(1) |
13 |
4.2 |
— |
1 |
0.3 |
— |
Consumer loans |
12 |
4.1 |
(1) |
8 |
2.6 |
— |
9 |
2.5 |
— |
Student loans |
8 |
2.8 |
— |
7 |
2.2 |
— |
4 |
1.1 |
— |
Other loans |
35 |
12.1 |
(3)
|
26 |
8.3 |
— |
23 |
6.5 |
1 |
Total |
$290 |
100.0% |
$(14) |
$313 |
100.0% |
$1 |
$355 |
100.0% |
$5 |
Ratings profile: |
|
|
|
|
|
|
|
|
|
Rated Aaa |
$160
|
55.2% |
|
$174
|
55.6% |
|
$206
|
58.0% |
|
Designated NAIC 1 |
$255 |
87.9% |
|
$279 |
89.1% |
|
$326 |
91.8% |
|
|
June 30,
2022 | |||
|
Amortized Cost |
%
of Total |
Allowance for Credit
Losses |
% of Recorded
Investment |
|
(Dollars in millions) | |||
Commercial |
$899
|
78.2% |
$3
|
0.3% |
Agricultural |
250 |
21.8 |
1 |
0.4% |
Total |
$1,149 |
100.0% |
$4 |
0.3% |
|
December 31,
2021 |
December 31,
2020 | |||||||
|
Amortized Cost |
%
of Total |
Allowance for Credit
Losses |
%
of Recorded Investment |
Amortized Cost |
%
of Total |
Allowance for Credit
Losses |
% of Recorded
Investment | |
|
(Dollars in millions) | ||||||||
Commercial |
$593
|
72.9% |
$1
|
0.2% |
$458
|
71.0% |
$1 |
0.2% | |
Agricultural |
220 |
27.1 |
1 |
0.5% |
187 |
29.0 |
1 |
| |
Total |
$813 |
100.0% |
$2 |
0.2% |
$645 |
100.0% |
$2 |
|
|
June 30,
2022 |
December 31,
2021 |
December 31,
2020 | |||
|
Amount |
%
of Total |
Amount |
%
of Total |
Amount |
% of Total |
|
(Dollars in millions) | |||||
Geographic region: |
|
|
|
|
|
|
South Atlantic |
$337
|
37.5% |
$179
|
30.2% |
$105
|
22.9% |
Pacific |
211 |
23.5 |
152 |
25.6 |
136 |
29.7 |
New England |
72 |
8.0 |
72 |
12.1 |
34 |
7.4 |
Middle Atlantic |
70 |
7.8 |
70 |
11.8 |
69 |
15.1 |
East South Central |
70 |
7.8 |
18 |
3.0 |
11 |
2.4 |
East North Central |
63 |
7.0 |
27 |
4.6 |
36 |
7.9 |
Mountain |
48 |
5.3 |
47 |
7.9 |
38 |
8.3 |
West South Central |
16 |
1.8 |
16 |
2.7 |
16 |
3.5 |
International |
11 |
1.2 |
11 |
1.9 |
12 |
2.6 |
West North Central |
1 |
0.1 |
1 |
0.2 |
1 |
0.2 |
Total recorded investment |
899 |
100.0% |
593 |
100.0% |
458 |
100.0% |
Less: allowance for credit losses |
3 |
|
1 |
|
1 |
|
Carrying value, net of allowance for credit losses |
$896 |
|
$592 |
|
$457 |
|
Property type: |
|
|
|
|
|
|
Apartment |
$499 |
55.5% |
$228 |
38.5% |
$100 |
21.9% |
|
June 30,
2022 |
December 31,
2021 |
December 31,
2020 | |||
|
Amount |
%
of Total |
Amount |
%
of Total |
Amount |
% of Total |
|
(Dollars in millions) | |||||
Office |
191 |
21.3 |
193 |
32.4 |
216 |
47.1 |
Retail |
95 |
10.5 |
95 |
16.0 |
67 |
14.7 |
Industrial |
58 |
6.4 |
21 |
3.6 |
19 |
4.1 |
Hotel |
56 |
6.3 |
56 |
9.5 |
56 |
12.2 |
Total recorded investment |
899 |
100.0% |
593 |
100.0% |
458 |
100.0% |
Less: allowance for credit losses |
3 |
|
1 |
|
1 |
|
Carrying value, net of allowance for credit losses |
$896 |
|
$592 |
|
$457 |
|
|
A.M. Best(1) |
Fitch |
Moody’s |
S&P(2) |
Current outlook |
Stable |
NR |
NR |
Stable |
Brighthouse Life Insurance Company of NY |
A |
NR |
NR |
A+ |
Name |
Position with Brighthouse Life Insurance Company of NY |
David A. Rosenbaum |
Chairman of the Board, President and Chief Executive Officer (Principal Executive Officer) (March 24,
2022 - present) |
Kristine H. Toscano |
Vice President and Chief Financial Officer (Principal Financial Officer and Principal Accounting Officer)
(September 2021 - present) |
David W. Chamberlin |
Director (October 11, 2016 - present) |
Jeffrey P. Halperin |
Director (June 28, 2022 - present) |
Michael J. Inserra |
Director (October 12, 2021 - present) |
Mayer Naiman |
Director (October 26, 2017 - present) |
Richard C. Pearson |
Director (May 7, 2002 - present) |
Douglas A. Rayvid |
Director (September 12, 2019 - present) |
2021 Director Compensation Table | ||
Name |
Fees Earned or
Paid in Cash(1) |
Total |
Kimberly A. Berwanger(2) |
— |
— |
David W. Chamberlin |
— |
— |
Richard A. Hemmings(3) |
$30,000 |
$30,000 |
Michael J. Inserra(4) |
$7,500 |
$7,500 |
Conor E. Murphy(5) |
— |
— |
Mayer Naiman |
— |
— |
Richard C. Pearson |
$30,000 |
$30,000 |
Douglas A. Rayvid(6) |
$35,000 |
$35,000 |
Investment Amount at Term Start Date |
$100,000 |
Term |
1-Year |
Initial Index |
S&P 500® Index |
S&P 500® Index Index Value on Term Start
Date |
1,400 |
Cap Rate |
10% |
Shield Rate |
10% |
Index substitution |
|
Number of days since Term Start Date |
183 |
Index Value for S&P 500® Index |
1,330 |
Index Performance for S&P 500® Index(1) |
–5% |
Substituted Index |
Russell 2000® Index |
Index Value for Russell 2000® Index on substitution date
|
1,250 |
Index Value for Russell 2000® Index |
1,375 |
Index Performance for S&P 500® Index(1) |
–5% |
Index Performance for Russell 2000® Index(2) |
10% |
Total Index Performance for the Term(3) |
4.5% |
Cap Rate |
10% |
Shield Rate |
10% |
Performance Rate(4) |
4.5% |
Performance Rate Adjustment(5) |
$4,500 |
Investment Amount at Term End Date(6) |
$104,500 |
|
|
Date |
Amount |
A |
Purchase Payment |
Issue Date |
$100,000 |
B |
Account Value |
First Contract Anniversary |
$90,000 |
C |
Death Benefit |
First Contract Anniversary |
$100,000
(= greater of A and B) |
D |
Withdrawal |
One Day after the First Contract Anniversary |
$9,000 |
E |
Percentage Reduction in Account
Value |
One Day after the First Contract Anniversary |
10% (= D/B) |
F |
Account Value after Withdrawal |
One Day after the First Contract Anniversary |
$81,000 (= B-D) |
G |
Purchase Payment Reduced for
Withdrawal |
One Day after the First Contract Anniversary |
$90,000
(= A-(A × E)) |
H |
Death Benefit |
One Day after the First Contract Anniversary |
$90,000
(= greater of F and G) |
/s/ David A. Rosenbaum* David A. Rosenbaum |
Chairman of the Board, President, Chief Executive Officer and a Director |
/s/ David W. Chamberlin* David W. Chamberlin |
Director |
/s/ Jeffrey P. Halperin* Jeffrey P. Halperin |
Director and Vice President |
/s/ Michael J. Inserra* Michael J. Inserra |
Director |
/s/ Mayer Naiman* Mayer Naiman |
Director |
/s/ Richard C. Pearson* Richard C. Pearson |
Director |
/s/ Douglas A. Rayvid* Douglas A. Rayvid |
Director |
/s/ Kristine Toscano* Kristine Toscano |
Vice President and Chief Financial Officer |
/s/ Gianna H. Figaro-Sterling* Gianna H. Figaro-Sterling |
Vice President and Controller |
*By: /s/ Michele H. Abate Michele H. Abate, Attorney-In-Fact October 11, 2022 |
|
Nancy H. Badeer
Associate General Counsel
285 Madison Avenue
New York, NY 10017
T: 980-949-3600
October 14, 2022
Board of Directors
Brighthouse Life Insurance Company of NY
285 Madison Avenue
New York, NY 10017
Re: | Opinion of Counsel |
Post-Effective Amendment No. 1 to the Registration Statement on Form S-3 to Form S-1 |
Brighthouse Life Insurance Company of NY |
File No. 333-238214 |
Brighthouse Shield® Level 10 Annuity |
Ladies and Gentlemen:
I am an Associate General Counsel to the Insurance Products Group of the Chief Administrative Office and provide legal counsel to Brighthouse Life Insurance Company of NY. This opinion is furnished in connection with the proposed offering of a certain single premium deferred index-linked annuity contract (the Contract) issued by Brighthouse Life Insurance Company of NY (Company) under Post-Effective Amendment No. 1 to Registration Statement on Form S-3 to Form S-1, File No. 333-238214, filed on October 14, 2022 (the Registration Statement) and described therein, filed by the Company under the Securities Act of 1933, as amended.
I have made such examination of law and examined such records of the Company and other documents as in my judgment are necessary or appropriate to render the opinion expressed below.
I am of the following opinions:
1. The Company is duly organized and existing under the laws of the State of New York and has been duly authorized to do business and to issue annuity contracts by the State of New York and the New York Department of Financial Services.
2. The Contract covered by the above Registration Statement, and all amendments relating thereto, when delivered and when the first purchase payment made by an owner all in accordance with the prospectus (the Prospectus) included in the Registration Statement and in compliance with the applicable local law, will be a legal and binding obligation of the Company in accordance with its terms. Owners of Contracts, as such, will not be subject to any deductions and charges by the Company other than those described in the Contract and as referred to in the Prospectus.
I hereby consent to the use of this opinion letter, or a copy thereof, as an exhibit to the Registration Statement.
Sincerely,
/s/ Nancy H. Badeer
Nancy H. Badeer
Associate General Counsel
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
David A. Rosenbaum
Chairman of the Board, President, Chief Executive Officer and a Director
KNOW ALL MEN BY THESE PRESENTS, that I, David A. Rosenbaum, Chairman of the Board, President, Chief Executive Officer and a Director of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA, Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011), Class AA, and Class B
File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004 and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30, 2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20, 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and
S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 Brighthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 6th day of June, 2022.
/s/ David A. Rosenbaum
|
David A. Rosenbaum |
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
David W. Chamberlin
Director
KNOW ALL MEN BY THESE PRESENTS, that I, David W. Chamberlin, a Director of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA, Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011), Class AA, and Class B
File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004 and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30, 2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20, 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and
S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 Brighthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 9th day of June, 2022.
/s/ David W. Chamberlin
|
David W. Chamberlin |
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
Jeffrey P. Halperin
Director and Vice President
KNOW ALL MEN BY THESE PRESENTS, that I, Jeffrey P. Halperin, a Director and Vice President of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA,
Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011), Class AA, and Class B File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004
and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and
April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30,
2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and
Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and
April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20, 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and
S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 Brighthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 29th day of June, 2022.
/s/ Jeffrey P. Halperin |
|
Jeffrey P. Halperin |
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
Michael J. Inserra
Director
KNOW ALL MEN BY THESE PRESENTS, that I, Michael J. Inserra, a Director of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA, Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011), Class AA,
and Class B
File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004 and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30, 2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20, 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and
S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 Brighthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 6th day of June, 2022.
/s/ Michael J. Inserra
|
Michael J. Inserra |
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
Mayer Naiman
Director
KNOW ALL MEN BY THESE PRESENTS, that I, Mayer Naiman, a Director of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA, Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011),Class AA, and Class B
File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004 and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30,2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20, 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and
S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 Brighthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 7th day of June, 2022.
/s/ Mayer Naiman
|
Mayer Naiman |
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
Richard C. Pearson
Director
KNOW ALL MEN BY THESE PRESENTS, that I, Richard C. Pearson, a Director of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA, Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011), Class AA, and Class B
File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004 and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30, 2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20, 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 Brighthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 7th day of June, 2022.
/s/ Richard C. Pearson
|
Richard C. Pearson |
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
Douglas A. Rayvid
Director
KNOW ALL MEN BY THESE PRESENTS, that I, Douglas A. Rayvid, a Director of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA, Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011), Class AA, and Class B
File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004 and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30, 2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20, 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 Brighthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 8th day of June, 2022.
/s/ Douglas A. Rayvid
|
Douglas A. Rayvid |
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
Kristine Toscano
Vice President and Chief Financial Officer
KNOW ALL MEN BY THESE PRESENTS, that I, Kristine Toscano, Vice President and Chief Financial Officer of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA, Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011), Class AA, and Class B
File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004 and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30, 2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and
S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 6righthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 6th day of June, 2022.
/s/ Kristine Toscano
|
Kristine Toscano |
Brighthouse Life Insurance Company of NY
POWER OF ATTORNEY
Gianna H. Figaro-Sterling
Vice President and Controller
KNOW ALL MEN BY THESE PRESENTS, that I, Gianna H. Figaro-Sterling, Vice President and Controller of Brighthouse Life Insurance Company of NY, a New York company (the Company), do hereby constitute and appoint Michele H. Abate, Christine M. DeBiase, and Alexander Ulianov, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the Registration Statements and any and all amendments thereto filed by the Company under the Securities Act of 1933 and/or the Investment Company Act of 1940, pertaining to:
| Brighthouse Variable Annuity Account B (811-08306) |
File No. 033-74174 First COVA VA, Custom Select, Russell Select and Class VA, Class AA and Class B
File No. 333-96773 Class VA (offered between June 15, 2001 and October 7, 2011), Class AA, and Class B File No. 333-96775 Class A
File No. 333-96777 Class XC
File No. 333-96785 Class L and Class L 4 Year (offered between November 22, 2004 and October 7, 2011)
File No. 333-96795 Class C (offered between September 4, 2001 and October 7, 2011)
File No. 333-125613 Vintage L and Vintage XC
File No. 333-125617 PrimElite III
File No. 333-125618 Marquis Portfolios (offered between November 7, 2005 and April 30, 2012)
File No. 333-125619 Protected Equity Portfolio
File No. 333-137370 Class S and Class S - L Share Option (offered between April 30, 2007 and October 7, 2011)
File No. 333-137969 PrimElite IV
File No. 333-148873 Pioneer PRISM
File No. 333-148874 Pioneer PRISM XC
File No. 333-148876 Pioneer PRISM L
File No. 333-152450 Class XTRA
File No. 333-156646 Class XTRA 6
File No. 333-158579 Brighthouse Simple SolutionsSM
File No. 333-169687 Class VA- 4 (offered between May 1, 2011 and October 7, 2011)
File No. 333-176679 Class S (offered on and after October 7, 2011) and Class S- L Share Option (offered on and after October 7, 2011)
File No. 333-176680 Class VA- 4 (offered on and after October 7, 2011)
File No. 333-176691 Class VA (offered on and after October 7, 2011)
File No. 333-176692 Class L- 4 Year (offered between October 7, 2011 and April 28, 2013)
File No. 333-176693 Class C (offered on and after October 7, 2011)
File No. 333-178515 Class O (offered between April 30, 2012 and September 20, 2015)
File No. 333-179240 Marquis Portfolios (offered on and after April 30, 2012)
File No. 333-186216 Class L- 4 Year (offered on and after April 29, 2013)
File No. 333-205137 Class O (offered on and after September 21, 2015)
File No. 333-209057 Class VA- 4 (offered on and after May 2, 2016)
File No. 333-209058 Class VA (offered on and after May 2, 2016)
File No. 333-209059 Class S (offered on and after May 2, 2016) and
S- L Share Option (offered on and after May 2, 2016)
File No. 333-216454 Brighthouse Prime Options,
And pertaining to:
File No. 333-216452 Brighthouse Shield Level Selector® Annuity
File No. 333-216453 Brighthouse Shield Level Selector® 3-Year Annuity
File No. 333-238214 Brighthouse Shield® Level 10 Annuity
File No. 333-265196 Brighthouse Shield® Level Select 3-Year Annuity
File No. 333-265199 Brighthouse Shield® Level Select 6-Year Annuity
File No. 333-259506 Brighthouse Shield® Level Select 6-Year Annuity v.3
And new annuities such as:
Brighthouse Shield Annuity
Brighthouse Shield 3-Year Annuity
Brighthouse Shield 6-Year Annuity,
and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers of attorney.
IN WITNESS WHEREOF, I have hereunto set my hand this 7th day of June, 2022.
/s/ Gianna H. Figaro-Sterling
|
Gianna H. Figaro-Sterling |
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