|
FEES AND EXPENSES |
LOCATION IN
PROSPECTUS | ||
Charges for Early
Withdrawal |
None |
— | ||
Transaction Charges |
You may be charged for certain transactions, such as sales charges,
underwriting charges on increases in specified face amount, charges
transfer
cash value between investment options or increase your
specified face amount. |
|||
Ongoing Fees and
Expenses (annual
charges) |
In addition to charges described above, an investment in the Policy
is subject to certain ongoing fees and expenses,
including a mortality and expense risk charge, a monthly
deduction covering the cost of insurance under the Policy
and optional benefits added by rider, and such fees and
expenses are set based on characteristics of the under your Policy),
age underwriting class and rate class. Please
refer to the specifications page of your Policy for
applicable rates. You will also bear expenses associated with the
Portfolios available
under your Policy, as shown in the following table: |
“Charges and
Deductions– Charges
Included in the Monthly
Deduction”
“Charges and
Deductions – Charges
Included in the Monthly
Deduction “
“Charges and
Deductions –Portfolio Company Charges” | ||
ANNUAL FEE |
MIN. |
MAX. | ||
Investment options (
Portfolio fees
and charges) |
0.24% |
1.65% | ||
|
RISKS |
LOCATION IN
PROSPECTUS | ||
Risk of Loss |
You can lose money by investing in this Policy, including loss of principal. |
“Principal Risks” | ||
Not a Short-Term
Investment |
“Principal Risks” | |||
Risks Associated with
Investment Options |
An investment in this Policy is subject to the risk of poor investment
performance and can vary depending on the performance of
the Portfolios available under the Policy. Each investment option
(including any
Fixed Account investment option) has its own unique
risks.
You should review the investment options before making an
investment decision. |
“Principal Risks” |
Insurance Company
Risks |
An investment in this Policy is subject to the risks related to
Metropolitan Life, including any obligations (including
under any Fixed Account investment option), guarantees, and benefits of
the Policy, which are subject to the claims paying
ability of Metropolitan Life. If Metropolitan Life
experiences financial distress, it may not be able to
meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is
available upon request by calling 1-877-638-3932 or by visiting
https://www.metlife.com/about-us/corporate-profile/ratings.
|
“Principal Risks” | ||
Contract Lapse |
Your Policy may lapse if
you have paid an insufficient amount of
premiums
or if the investment experience of the Portfolios is poor
and the
cash surrender value under your Policy is insufficient to
cover the monthly deduction. Lapse of a Policy on which
there is an outstanding loan may have adverse tax
consequences. If the Policy lapses, no death benefit will
be paid. A Policy may be reinstated if the conditions for
reinstatement are met including the payment of required
premiums. |
“Principal Risks” | ||
|
RESTRICTIONS |
LOCATION IN
PROSPECTUS | ||
Investments |
Policy Owners may transfer
cash value between and among the
investment
Divisions and the
Fixed Account. The minimum amount
you may transfer is $50 or, if less, the total amount in an investment
option. You may make transfers at any time. The maximum amount
that
you may transfer or withdraw from the
Fixed Account in any
Policy year is the greater of $50 and 25% of the largest amount in the
Fixed Account over the last four Policy years.
At the present time, no charge is assessed against the
cash value of a
Policy when amounts are transferred among the
Divisions of the
Metropolitan Life reserves to impose a charge of $25 per transfer.
Restrictions may apply to frequent
transfers. Metropolitan Life reserves the right to remove or substitute
portfolio
companies as investment options that are available under the
Policy. |
|||
Optional Benefits |
Restrictions or limitations may apply to certain optional benefits.
For example, benefits may be (i) no longer available,
(ii) available only when
you apply for a Policy, (iii) unavailable in certain
combinations, or (iv) available only if your employer
makes it available.
You should check with your employer regarding the
availability of riders. |
“Optional Benefits” | ||
|
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
Policy. Withdrawals may be subject to ordinary income tax, and may be
subject to tax penalties.
Lapse of a Policy on which there is an outstanding loan may have
adverse tax consequences. |
“Federal Tax Matters” |
|
CONFLICTS OF INTEREST |
LOCATION IN
PROSPECTUS | ||
Investment
Professional
Compensation |
Your investment professional may receive compensation relating to
your ownership of Policy, both in the form of commissions
and continuing payments. These investment professionals
may have a financial incentive to offer or recommend the
Policy over another investment. |
“Sales of the Policy” | ||
Exchanges |
“Sales of The Policy” |
NAME OF
BENEFIT* |
PURPOSE |
IS BENEFIT
STANDARD
OR
OPTIONAL? |
BRIEF DESCRIPTION
OF RESTRICTIONS
OR LIMITATIONS |
Interim Term Insurance
Benefit Rider |
This rider provides a term
insurance benefit if any
insured
person dies on or after the date of the rider and before the date of the policy. This rider will not advance the time of payment of any dividend or any endowment date under the policy. |
Optional |
Available only at the time
you
apply for the Policy. |
Term Insurance Rider |
This rider provides term
insurance on the life of the
insured
, payable to the
beneficiary if the
insured dies
prior to the end of the
coverage period. |
Optional |
Available only at the time
you
apply for the Policy.
Rider may not be reinstated
after a written request to
terminate the rider is
received. |
Enhanced
Cash Surrender Value |
The Enhanced
Cash Surrender Value Rider will
refund a portion of charges
upon full surrender of the
policy within the stated
period. |
Optional |
Available only at the time
you
apply for the Policy. |
Acceleration of Death Benefit
Rider |
This rider provides for early
payment of a portion of the
face amount of insurance
upon proof of terminal illness
of the insured resulting in a
life expectancy of 12 months
or less. |
Optional |
Benefit is provided to
you
only if elected by your
employer.
Available to purchase
throughout the life of the
policy. |
Business Exchange Rider |
Optional |
Only available if purchased for all of the executives in the plan at inception. Request for the exchange must be in writing. |
NAME OF
BENEFIT* |
PURPOSE |
IS BENEFIT
STANDARD
OR
OPTIONAL? |
BRIEF DESCRIPTION
OF RESTRICTIONS
OR LIMITATIONS |
Refund of Sales Charge Rider |
If a policy is surrendered
during the first five policy
years, we will refund to the
policy owner any sales charge
deducted within 365 days
preceding the policy
surrender |
Optional |
Available only at the time
you
apply for the Policy.
Not available when Enhanced
Cash Value
Rider is added to the policy. |
Interest Income |
The amount applied to this
income option will earn
interest which will be paid
monthly. |
Standard |
Withdrawals of at least $500
each may be made at any
time by written request. |
Installment Income for a
Stated Period |
Payments under this income
option will be made in
monthly installment
payments over a chosen
period. |
Standard |
The period chosen can be
from 1 to 30 years. |
Installment Income of a
Stated Amount |
Payment under this income
option will be made in
monthly installment
payments of a chosen amount
until the chosen amount
applied with interest is paid. |
Standard |
|
Single Life Income-
Guaranteed Payment Period |
Payment under this income
option will be made monthly
during the lifetime of the
payee with a chosen
guaranteed payment period. |
Standard |
The guaranteed period can be
10, 15 or 20 years. |
Single Life Income-
Guaranteed Return |
Payment under this income
option will be made monthly
during the lifetime of the
payee. |
Standard |
If the payee dies before the
total amount applied under
this plan has been paid, the
remainder will be paid in one
sum as a death benefit. |
Joint and Survivor Life
Income |
Payment under this income
option will be made monthly
and paid jointly
to two persons during their
lifetime and will continue
during the remaining lifetime
of the survivor. |
Standard |
A total payment period of 10 years is guaranteed. |
Charge |
When Charge is
Deducted |
Maximum
Amount
Deducted |
Current
Amount
Deducted |
On payment of
|
9% |
6.5% (for Policy Years 1 to
10)
3% (for Policy Years 11 and
later) | |
State Tax Charge (as a percentage of each premium
payment) |
On payment of
|
2.25% |
2.25% |
Federal Tax Charge (as a percentage of each premium
payment) |
On payment of
|
1.2% |
1.2% |
Administrative Charge(3) |
On payment of
|
1.05% |
0.55% (for Policy Years 1 to
10)
1.05% (for Policy Years 11
and later) |
Transfer Fee |
$25 per transfer |
Not currently charged | |
Enhanced
Cash Surrender Value
Rider(4) |
0.25% |
0.25% | |
On face amount
increase |
$3 per $1,000 of increase |
Not currently charged | |
Interim Term Insurance Benefit |
|
|
|
Cost of Insurance: •Minimum and Maximum Charge |
$0.03 to $33.82 per $1,000
of term insurance amount |
$0.03 to $33.79 per $1,000
of term insurance amount | |
•Charge for a representative
insured(5)
|
|
$0.27 per $1,000 of term
insurance amount |
$0.15 per $1,000 of term
insurance amount |
Charge |
When Charge is
Deducted |
Maximum
Amount
Deducted |
Current
Amount
Deducted |
Base Contract Charges |
|
|
|
Cost of Term Insurance for coverage
under base
policy(1)(2) |
|
|
|
•Minimum and Maximum Charge |
Monthly |
$0.03 to $35.30 per $1,000
of term insurance amount |
$0.03 to $33.79 per $1,000
of term insurance amount |
•Charge for a representative
insured.(3) |
|
$0.27 per $1,000 of term
insurance amount |
$0.15 per $1,000 of term
insurance amount |
Mortality and Expense Risk Charge |
|
|
|
•MetFlex |
Monthly |
Effective annual rate up to
0.90% |
•0.40% (Policy Years 1 to 9) •0.20% (Policy Years 10 to
20)
•0.10% (thereafter) |
Loan Interest Spread(4) |
Annually |
Annual rate of 2% of the
loan amount |
Annual rate of 0.25% of the
loan amount |
Optional Benefit Charges |
|
|
|
Disability Waiver Rider(2) |
|
|
|
•Minimum and Maximum Charge |
Monthly |
$0.012 to $0.092 per $1,000
of insurance amount |
$0.012 to $0.092 per $1,000
of insurance amount |
•Charge for a representative
insured(3)
|
$0.053 per $1,000 of
insurance amount |
$0.053 per $1,000 of
insurance amount | |
Yearly Renewable Term Insurance
Rider(2) |
|
|
|
•Minimum and Maximum Charge |
Monthly |
$0.09 to $30.45 per $1,000
of term insurance amount |
$0.03 to $14.34 per $1,000
of term insurance amount |
•Charge for a representative
insured(3)
|
$0.27 per $1,000 of term
insurance amount |
$0.19 per $1,000 of term
insurance amount | |
Accidental Death Benefit Rider(2) |
|
|
|
•Minimum and Maximum Charge |
Monthly |
$0.07 to $0.116 per $1,000
of accidental death benefit
amount |
$0.07 to $0.116 per $1,000
of accidental death benefit
amount |
•Charge for a representative
insured(3)
|
$0.078 per $1,000 of
accidental death benefit
amount |
$0.078 per $1,000 of
accidental death benefit
amount | |
Term Insurance Rider(2) |
|
|
|
•Minimum and Maximum Charge |
Monthly |
$0.03 to $33.82 per $1,000
of term insurance amount |
$0.02 to $25.34 per $1,000
of term insurance amount |
•Charge for a representative
insured(3)
|
$0.27 per $1,000 of term
insurance amount |
$0.11 per $1,000 of term
insurance amount |
|
Minimum |
Maximum |
0.24%
|
1.65%
|
FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2022) | ||
1
YEAR |
5
YEAR |
10
YEAR | |||
Global Equity |
AB VPS Sustainable Global Thematic Portfolio* -
Class B
AllianceBernstein L.P. |
1.15% |
-27.17% |
7.72% |
9.99% |
US Equity |
American Funds American High-Income Trust* -
Class 2
Capital Research and Management CompanySM |
0.55% |
-9.26% |
3.14% |
3.86% |
US Equity |
American Funds Growth Fund - Class 2
Capital Research and Management CompanySM |
0.59% |
-29.94% |
11.14% |
13.64% |
International Equity |
American Funds International Fund - Class 2
Capital Research and Management CompanySM |
0.78% |
-20.79% |
-1.03% |
3.92% |
US Fixed Income |
American Funds U.S. Government Securities
Fund* - Class 2
Capital Research and Management CompanySM |
0.49% |
-10.95% |
0.61% |
0.92% |
Allocation |
Asset Manager: Growth Portfolio - Service Class
Fidelity Management & Research Company LLC
Subadviser: FMR UK, FMR HK, FMR Japan |
0.78% |
-16.95% |
4.63% |
7.01% |
International Equity |
Baillie Gifford International Stock Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Baillie Gifford Overseas Limited
(subsidiary of Baillie Gifford & Co.) |
0.73% |
-28.60% |
-0.23% |
4.45% |
US Fixed Income |
BlackRock Bond Income Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC |
0.38% |
-14.15% |
0.32% |
1.55% |
US Equity |
BlackRock Capital Appreciation Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC |
0.63% |
-37.61% |
7.68% |
11.66% |
US Fixed Income |
BlackRock Ultra-Short Term Bond Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC |
0.36% |
1.44% |
1.12% |
0.68% |
FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2022) | ||
1
YEAR |
5
YEAR |
10
YEAR | |||
Allocation |
Brighthouse Asset Allocation 100 Portfolio -
Class B
Brighthouse Investment Advisers, LLC |
0.98% |
-20.15% |
5.16% |
8.67% |
Allocation |
Brighthouse Asset Allocation 20 Portfolio* -
Class B
Brighthouse Investment Advisers, LLC |
0.88% |
-12.69% |
1.53% |
2.71% |
Allocation |
Brighthouse Asset Allocation 40 Portfolio - Class B
Brighthouse Investment Advisers, LLC |
0.87% |
-13.84% |
2.58% |
4.38% |
Allocation |
Brighthouse Asset Allocation 60 Portfolio - Class B
Brighthouse Investment Advisers, LLC |
0.90% |
-15.33% |
3.69% |
6.07% |
US Equity |
Brighthouse Small Cap Value Portfolio* - Class B
Brighthouse Investment Advisers, LLC
Subadviser: Delaware Investments Fund
Advisers/Allspring Global Investments, LLC |
1.08% |
-13.09% |
4.44% |
8.79% |
International Equity |
Brighthouse/abrdn Emerging Markets Equity
Portfolio* - Class B
Brighthouse Investment Advisers, LLC
Subadviser: Aberdeen Asset Managers Limited |
1.19% |
-25.81% |
-1.46% |
0.18% |
US Equity |
Brighthouse/Artisan Mid Cap Value Portfolio* -
Class B
Brighthouse Investment Advisers, LLC
Subadviser: Artisan Partners Limited
Partnership |
1.01% |
-12.84% |
4.56% |
8.02% |
Allocation |
Brighthouse/Wellington Balanced Portfolio -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company
LLP |
0.52% |
-17.08% |
5.67% |
8.30% |
US Equity |
Brighthouse/Wellington Core Equity Opportunities
Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company
LLP |
0.61% |
-5.08% |
11.45% |
12.78% |
US Equity |
Brighthouse/Wellington Large Cap Research
Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company
LLP |
0.54% |
-19.02% |
8.82% |
12.46% |
Sector |
CBRE Global Real Estate Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: CBRE Investment Management
Listed Real Assets LLC |
0.64% |
-24.71% |
2.06% |
3.77% |
US Equity |
Contrafund® Portfolio - Service Class
Fidelity Management & Research Company LLC
Subadviser: FMR UK, FMR HK, FMR Japan |
0.70% |
-26.38% |
8.55% |
11.31% |
FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2022) | ||
1
YEAR |
5
YEAR |
10
YEAR | |||
International Fixed
Income |
Emerging Markets Debt Portfolio* - Class I
Morgan Stanley Investment Management Inc.
Subadviser: Morgan Stanley Investment
Management Limited |
1.10% |
-18.74% |
-2.23% |
0.06% |
International Equity |
Emerging Markets Equity Portfolio - Class I
Morgan Stanley Investment Management Inc.
Subadviser: Morgan Stanley Investment
Management Company |
1.22% |
-25.08% |
-2.71% |
0.59% |
US Equity |
Equity-Income Portfolio - Service Class
Fidelity Management & Research Company LLC
Subadviser: FMR UK, FMR HK, FMR Japan |
0.61% |
-5.09% |
8.04% |
10.08% |
Global Equity |
Franklin Mutual Global Discovery VIP Fund - Class
2
Franklin Mutual Advisers, LLC |
1.18% |
-4.75% |
3.66% |
6.60% |
Allocation |
Freedom 2020 Portfolio - Initial Class
Fidelity Management & Research Company LLC |
0.48% |
-15.69% |
3.73% |
6.07% |
Allocation |
Freedom 2025 Portfolio - Initial Class
Fidelity Management & Research Company LLC |
0.51% |
-16.43% |
4.12% |
6.78% |
US Equity |
Frontier Mid Cap Growth Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Frontier Capital Management
Company, LLC |
0.70% |
-28.15% |
6.39% |
10.57% |
US Equity |
Goldman Sachs Small Cap Equity Insights Fund* -
Institutional Shares
Goldman Sachs Asset Management, L.P. |
0.81% |
-3.82% |
5.51% |
9.60% |
US Fixed Income |
Government Money Market Portfolio - Initial Class
Fidelity Management & Research Company LLC
Subadviser: FMR UK, FMR HK, FMR Japan |
0.24% |
1.44% |
1.08% |
0.64% |
International Equity |
Harris Oakmark International Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Harris Associates L.P. |
0.72% |
-15.78% |
-1.70% |
4.41% |
US Fixed Income |
High Income Portfolio - Initial Class
Fidelity Management & Research Company LLC
Subadviser: FMR UK, FMR HK, FMR Japan |
0.72% |
-11.37% |
1.10% |
2.97% |
Global Equity |
Invesco Global Equity Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc. |
0.58% |
-31.70% |
3.03% |
8.05% |
US Equity |
Invesco Small Cap Growth Portfolio* - Class B
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc. |
1.06% |
-35.15% |
4.23% |
9.83% |
US Equity |
Invesco V.I. Comstock Fund - Series II
Invesco Advisers, Inc. |
1.00% |
0.85% |
7.76% |
10.74% |
International Equity |
Invesco V.I. EQV International Equity Fund -
Series I
Invesco Advisers, Inc. |
0.91% |
-18.31% |
1.51% |
4.41% |
US Fixed Income |
Investment Grade Bond Portfolio - Service Class
Fidelity Management & Research Company LLC
Subadviser: FMR UK, FMR HK, FMR Japan |
0.50% |
-13.03% |
0.54% |
1.44% |
FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2022) | ||
1
YEAR |
5
YEAR |
10
YEAR | |||
Allocation |
Janus Henderson Balanced Portfolio - Service
Shares
Janus Henderson Investors US LLC |
0.86% |
-16.62% |
6.42% |
8.16% |
US Equity |
Janus Henderson Enterprise Portfolio - Service
Shares
Janus Henderson Investors US LLC |
0.96% |
-16.15% |
9.35% |
13.10% |
US Equity |
Janus Henderson Forty Portfolio - Service Shares
Janus Henderson Investors US LLC |
0.80% |
-33.73% |
9.48% |
12.72% |
US Equity |
Janus Henderson Research Portfolio - Institutional
Shares
Janus Henderson Investors US LLC |
0.56% |
-29.89% |
8.17% |
11.44% |
US Equity |
Jennison Growth Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Jennison Associates LLC |
0.54% |
-38.87% |
8.40% |
13.05% |
US Equity |
JPMorgan Small Cap Value Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: J.P. Morgan Investment
Management Inc. |
0.75% |
-13.21% |
4.82% |
8.30% |
US Equity |
Loomis Sayles Growth Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P. |
0.57% |
-27.86% |
5.54% |
10.34% |
US Equity |
Loomis Sayles Small Cap Core Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P. |
0.88% |
-15.06% |
5.32% |
9.89% |
US Fixed Income |
MetLife Aggregate Bond Index Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC |
0.27% |
-13.09% |
-0.18% |
0.82% |
US Equity |
MetLife Mid Cap Stock Index Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC |
0.29% |
-13.26% |
6.45% |
10.51% |
International Equity |
MetLife MSCI EAFE® Index Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC |
0.38% |
-14.47% |
1.40% |
4.39% |
US Equity |
MetLife Russell 2000® Index Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC |
0.31% |
-20.23% |
4.09% |
9.00% |
US Equity |
MetLife Stock Index Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC |
0.26% |
-18.30% |
9.16% |
12.28% |
Global Equity |
MFS® Global Equity Series* - Service Class
Massachusetts Financial Services Company |
1.17% |
-17.94% |
4.92% |
8.15% |
US Fixed Income |
MFS® High Yield Portfolio* - Service Class
Massachusetts Financial Services Company |
0.97% |
10.78% |
1.32% |
2.98% |
FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2022) | ||
1
YEAR |
5
YEAR |
10
YEAR | |||
US Equity |
MFS® New Discovery Series* - Service Class
Massachusetts Financial Services Company |
1.12% |
-29.99% |
7.53% |
9.71% |
International Equity |
MFS® Research International Portfolio* - Class B
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company |
0.89% |
-17.57% |
2.81% |
4.75% |
Allocation |
MFS® Total Return Portfolio* - Class B
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company |
0.85% |
-9.87% |
4.92% |
7.12% |
US Equity |
MFS® Value Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company |
0.56% |
-5.98% |
7.51% |
11.28% |
US Equity |
Mid Cap Portfolio - Service Class 2
Fidelity Management & Research Company LLC
Subadviser: FMR UK, FMR HK, FMR Japan |
0.86% |
-14.97% |
5.68% |
9.69% |
US Equity |
Morgan Stanley Discovery Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Morgan Stanley Investment
Management Inc. |
0.65% |
-62.47% |
5.73% |
8.62% |
US Equity |
Neuberger Berman Genesis Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Neuberger Berman Investment
Advisers LLC |
0.80% |
-19.15% |
7.70% |
10.74% |
Alternative |
PIMCO All Asset Portfolio* - Administrative Class
Pacific Investment Management Company LLC
Subadviser: Research Affiliates, LLC |
1.54% |
-11.84% |
3.22% |
3.25% |
Sector |
PIMCO CommodityRealReturn® Strategy
Portfolio* - Administrative Class
Pacific Investment Management Company LLC |
1.29% |
8.61% |
7.03% |
-1.56% |
US Fixed Income |
PIMCO Inflation Protected Bond Portfolio -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management
Company LLC |
0.77% |
-11.60% |
2.09% |
0.99% |
US Fixed Income |
PIMCO Long-Term U.S. Government Portfolio -
Administrative Class
Pacific Investment Management Company LLC |
1.14% |
-28.87% |
-2.54% |
0.27% |
US Fixed Income |
PIMCO Low Duration Portfolio - Administrative
Class
Pacific Investment Management Company LLC |
0.67% |
-5.74% |
0.08% |
0.42% |
US Fixed Income |
PIMCO Total Return Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management
Company LLC |
0.49% |
-14.34% |
0.04% |
1.07% |
US Equity |
Pioneer Mid Cap Value VCT Portfolio - Class I
Amundi Asset Management US, Inc. |
0.78% |
-5.35% |
5.30% |
9.57% |
FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2022) | ||
1
YEAR |
5
YEAR |
10
YEAR | |||
International Equity |
Putnam VT International Value Fund - Class IB
Putnam Investment Management, LLC |
1.15% |
-6.81% |
1.97% |
4.19% |
US Equity |
Royce Micro-Cap Portfolio - Investment Class
Royce Investment Partners |
1.16% |
-22.43% |
6.30% |
5.73% |
US Equity |
Royce Small-Cap Portfolio - Investment Class
Royce Investment Partners |
1.15% |
-9.20% |
3.39% |
6.33% |
US Equity |
T. Rowe Price Large Cap Growth Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc. |
0.57% |
-40.46% |
4.93% |
11.29% |
US Equity |
T. Rowe Price Large Cap Value Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc. |
0.53% |
-4.89% |
7.42% |
11.12% |
US Equity |
T. Rowe Price Small Cap Growth Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc. |
0.50% |
-22.15% |
6.11% |
11.35% |
International Equity |
Templeton Foreign VIP Fund* - Class 1
Templeton Investment Counsel, LLC |
0.84% |
-7.39% |
-1.73% |
1.72% |
Global Fixed Income |
Templeton Global Bond VIP Fund* - Class 1
Franklin Advisers, Inc. |
0.52% |
-4.85% |
-2.08% |
-0.54% |
US Equity |
Victory Sycamore Mid Cap Value Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Victory Capital Management, Inc. |
0.59% |
-2.45% |
10.12% |
10.43% |
US Fixed Income |
Western Asset Management Strategic Bond
Opportunities Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management
Company, LLC
(Legg Mason) |
0.55% |
-16.66% |
0.18% |
2.19% |