Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Brighthouse review

Annuity Atlas covers 9 Brighthouse annuity products with live rates and contract specs. 9 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A

Insurer claims-paying rating

Products tracked
9
MYGA yield (lineup max)
5.50% · 7yr · Fixed Rate Annuity with MVA 7-Year
Surrender range
3–7 years
Rate as of Oct 15, 2026
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Products covered
9
A.M. Best
A
Categories covered
MYGA

9 Brighthouse annuities

Click any product for rates, specs, and the full peer-group review.

Fixed Rate Annuity with MVA 7-Year
Savers who want a guaranteed fixed rate for a full seven years and are confident they won't need to access principal before maturity
A
A.M. BEST
MYGA7-YR SURRENDER
Review →
Fixed Rate Annuity with MVA 5-Year
Buyers who want a clean 5-year locked rate from a financially solid carrier and can commit the full term without needing early access
A
A.M. BEST
MYGA5-YR SURRENDER
Review →
Fixed Rate Annuity 7-Year
Retirees and near-retirees who want a fully guaranteed fixed rate for seven years with no market value adjustment risk
A
A.M. BEST
MYGA7-YR SURRENDER
Review →
Fixed Rate Annuity 5-Year
Retirement savers who want a clean 5-year guaranteed rate with no rider complexity and a standard free-withdrawal provision
A
A.M. BEST
MYGA5-YR SURRENDER
Review →
Fixed Rate Annuity with ROP 7-Year
Conservative savers who want a guaranteed rate for seven years and a hard floor on what they can lose if they need to exit early
A
A.M. BEST
MYGA7-YR SURRENDER
Review →
Fixed Rate Annuity with ROP 5-Year
Conservative buyers who want a guaranteed fixed rate for five years and need the assurance that their principal is never truly at risk of a net loss on surrender
A
A.M. BEST
MYGA5-YR SURRENDER
Review →
Fixed Rate Annuity with MVA 3-Year
Conservative savers who want a guaranteed fixed rate for a short commitment and can accept limited early exit without penalty
A
A.M. BEST
MYGA3-YR SURRENDER
Review →
Fixed Rate Annuity 3-Year
Savers who want a short, predictable guaranteed-rate commitment without a market value adjustment and with a reliable AM Best A-rated carrier
A
A.M. BEST
MYGA3-YR SURRENDER
Review →
Fixed Rate Annuity with ROP 3-Year
Conservative savers who want a short locked rate with a hard guarantee they can get their full premium back at any time
A
A.M. BEST
MYGA3-YR SURRENDER
Review →

Frequently asked questions

Is Brighthouse a good annuity company?
We have reviewed 9 Brighthouse products, and A.M. Best rates the carrier A for financial strength.
What is the surrender period for Brighthouse annuities?
Surrender periods on Brighthouse's current lineup run 3–7 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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