Brighthouse Shield Level Selector Annuity Here

Use the Shield Level Selector for the bond/alternative portion of your portfolio—money you need to be safe but want to work harder than a CD. Do not use it for your core growth equity allocation. Work with a fee-only fiduciary to model cap rates and surrender schedules before purchasing. Disclosure: This article is for educational purposes only and does not constitute investment advice. Annuity guarantees are subject to the claims-paying ability of Brighthouse Life Insurance Company. Caps, spreads, and participation rates are subject to change. Always review the contract prospectus and consult a licensed financial professional.

In the current economic climate—characterized by interest rate uncertainty, equity market volatility, and growing concerns about sequence-of-returns risk—retirees and pre-retirees face a difficult balancing act. They seek growth to outpace inflation but crave protection to safeguard their lifestyle. brighthouse shield level selector annuity

However, it is not a substitute for a diversified portfolio. The is not a visible fee, but the opportunity cost of lost dividends and capped gains. In a sideways or modestly down market (e.g., -5% on the S&P 500), the Shield 15 or 20 investor sleeps well. In a roaring bull market (e.g., +20% on the S&P 500), the investor will regret the 6% cap. Use the Shield Level Selector for the bond/alternative

This article provides a detailed analysis of the product’s mechanics, crediting options, fees, and ideal use cases. At its core, the Shield Level Selector is a fixed indexed annuity (FIA) . It is a contract between you (the owner) and Brighthouse Life Insurance Company (formerly part of MetLife). In exchange for a lump-sum premium, Brighthouse guarantees to protect your principal (subject to the claims-paying ability of the insurer) while offering the opportunity to earn interest based on the performance of a market index. Disclosure: This article is for educational purposes only

The (formally known as the Brighthouse Shield Level Selector, a group and individual deferred fixed indexed annuity) attempts to solve this tension. Unlike traditional fixed indexed annuities (FIAs) that offer one crediting method, the Shield Level Selector introduces a "choose your own risk" architecture, allowing investors to select their desired level of downside protection.