SD
● Active
Standard Death Benefit
Brighthouse Life Insurance Company
DTCC ID
—
COMPANY
Brighthouse Life Insurance Company
TYPE
RILA
INCEPTION
Jul 22, 2024
Identity
Benefit name
Standard Death Benefit
Internal benefit name
Standard Death Benefit
Product policy type
RILA
Status
● Active
Sequence
1
Inception date
Jul 22, 2024
Closed date
—
DTCC Rider ID
—
Last modified
Apr 30, 2025
Life & Age
Based on life
Owner and Annuitant
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Mandatory
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
Not Applicable
Partial withdrawals
Withdrawal will reduce Death Benefit Amount in same proportion that the withdrawal reduces the Account Value of the Shield Option(s) and Fixed Account.
Required min distributions
RMDs will reduce Death Benefit amount Proportionately.
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue benefit after death of owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description
If the owner's age 80 or younger then, the death benefit will be greater of 1) account value or 2) purchase payment, adjusted by withdrawals (including any applicable withdrawal charges). If the age of the owner's 81 or older then, the death benefit will be account value. The Death Benefit Amount cannot be withdrawn as a lump sum prior to the death of the Owner (or Annuitant where the Owner is a non-natural person).
Lifecycle Events
Cancellation
May not be cancelled.
Termination
Rider terminates upon earliest of 1) contract termination, 2) annuitization or 3) account value reduced to zero.
Available when added
Automatically included at contract issue.
Effect change ownership
Not Applicable