Brighthouse review

Retirees and near-retirees who want a fully guaranteed fixed rate for seven years with no market value adjustment risk

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

Growth-oriented buyers who can leave money alone for six years and want bigger upside than a fixed indexed annuity in exchange for accepting some downside risk

Fee-based advisory clients who want index growth potential with a downside buffer and no surrender penalty

Pre-retirees and early retirees who want index-linked growth with a downside buffer and a built-in lifetime income guarantee they intend to actually turn on

Growth-oriented buyers who want index-linked upside over a short 3-year window and are willing to absorb the first chunk of any market loss in exchange for a higher cap than a fully protected indexed annuity would offer

Buyers who want principal protection and index-linked growth over a 7-year window, with the option to add guaranteed lifetime income through an advisor at LPL Financial

Merrill Lynch advisory clients who want a principal-protected FIA with full liquidity, multiple index choices, and the option to add a guaranteed income layer later

Advisory-channel clients who want index-linked growth potential with full liquidity and no surrender penalty, managed inside a fee-based portfolio

Retirement savers who want a clean 5-year guaranteed rate with no rider complexity and a standard free-withdrawal provision

Savers who want a guaranteed fixed rate for a full seven years and are confident they won't need to access principal before maturity

Fee-based advisory clients who want a built-in lifetime income guarantee wrapped around a buffered index annuity, with no surrender charge and the flexibility to move the money if the plan changes

Buyers comfortable with some market risk who want a six-year structured-growth contract with a choice of how much downside they absorb

Raymond James advisor clients who want a 10-year FIA with principal protection, a credible index menu, and the option to add a GLWB rider without committing to one at purchase

Raymond James clients who want a principal-protected FIA with multiple crediting options and the flexibility to add guaranteed income later

Fee-based advisory clients who want FIA-style index crediting and principal protection without a surrender period holding them in

Savers who want a short, predictable guaranteed-rate commitment without a market value adjustment and with a reliable AM Best A-rated carrier

Conservative savers who want a short locked rate with a hard guarantee they can get their full premium back at any time

Buyers who want a clean 5-year locked rate from a financially solid carrier and can commit the full term without needing early access

Advisor-channel buyers in the 50-70 age range who want a 10-year FIA with principal protection, multiple index choices, and an optional income rider they may or may not activate

Accumulation-focused buyers working with an LPL advisor who want a short-commitment FIA with three index choices and a clean fixed-account fallback

Merrill Lynch clients who want a short-commitment FIA with principal protection, a fixed-account fallback, and an optional income rider without paying for one upfront

Raymond James clients who want a short-commitment FIA with principal protection and the option to layer on guaranteed income later

Merrill Lynch clients who want principal-protected accumulation with multiple index choices and no base contract fee, and who do not need guaranteed income now

Wells Fargo bank clients in California or South Dakota who want a principal-protected FIA with a broad index menu and the option to add a lifetime income benefit

Conservative savers who want a guaranteed fixed rate for a short commitment and can accept limited early exit without penalty

Bank-channel buyers who want a short-term FIA with principal protection, a fixed-rate alternative, and a range of index crediting options — and who are comfortable with a narrow distribution window

Wells Fargo bank customers in California or South Dakota who want a short-term, principal-protected FIA with index-linked growth potential and no rider complexity

Investors who want tax-deferred market participation through a fund lineup and may add a living-benefit rider, working with a Raymond James advisor

Investors working with a Raymond James advisor who want a shorter four-year lockup on a tax-deferred variable annuity and are willing to pay a higher recurring fee to get it

New York buyers working with an advisor who want tax-deferred market participation through sub-accounts and the option to bolt on a guaranteed-income rider later

Investors who have maxed out other tax-advantaged accounts, want market-based subaccount growth inside a tax-deferred wrapper, and are willing to layer on a paid living-benefit or death-benefit rider to manage the downside

Buyers who have maxed out other tax-advantaged accounts, want market-based subaccount growth inside an annuity wrapper, and want an optional income or death-benefit guarantee