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Perspectives (BRP) Brighthouse Retirement Prospectus Brighthouse Retirement Perspectives (BRP) , IE B BRIE LIE IRAE A PLEASE NOTE: THE PRIVACY NOTICE AND THE BUSINESS CONTINUITY PLAN DISCLOSURE TO OUR CUSTOMERS ARE PRINTED INSIDE THE BACK COVER. THE PRIVACY NOTICE AND THE BUSINESS CONTINUITY PLAN DISCLOSURE ARE NOT PART OF THIS PROSPECTUS. I AE I AR E RE This Page is Not Part of the Prospectus (BRIGHTHOUSE RETIREMENT PERSPECTIVES (؆BRP؆ This prospectus describes BRP, Gold Track VSP (also referred to as “Very Small Plan” or “VSP”), and Unregistered Gold Track, each a group variable annuity contract (the “Contract”) issued by Brighthouse Life Insurance Company (the “Company”, “Us” or “We”) designed to fund 401(k) Plans and Keoghs. The Company is not a party to the Plan. Under some circumstances the Plans may also enter into agreements for services from a Third Party Administrator (ЉTPAЉ), whose services are separate and distinct from the Contracts, and a separate fee is payable to the TPA by the Plan. Amounts held under the Plans may be entitled to tax-deferred treatment under the Code. The Company no longer actively offers the Contract to new purchasers. Current Contract Owners may make additional Purchase Payments and enroll new Participants in the Plan funded by the Contract. Purchase of this Contract through a Plan does not provide any additional tax deferral benefits beyond those provided by the Plan. Accordingly, if You are purchasing this Contract through a Plan, You should consider purchasing the Contract for its death benefit, Annuity option benefits or other non-tax related benefits. The Contract’s value will vary daily to reflect the investment experience of the Funding Options You select and the interest credited to the Fixed Account. The Funding Options available for all Contracts are: American Funds Insurance Series® — Class 2 Brighthouse/Wellington Balanced Portfolio — Class A American Funds Global Growth Fund Brighthouse/Wellington Core Equity Opportunities Portfolio — Class A American Funds Growth Fund Frontier Mid Cap Growth Portfolio — Class D American Funds Growth-Income Fund Jennison Growth Portfolio — Class A Brighthouse Funds Trust I MetLife Stock Index Portfolio — Class A American Funds® Balanced Allocation Portfolio — Class C MFS® Total Return Portfolio — Class F American Funds® Growth Allocation Portfolio — Class C MFS® Value Portfolio — Class A American Funds® Moderate Allocation Portfolio — Class C Neuberger Berman Genesis Portfolio — Class A BlackRock High Yield Portfolio — Class A T. Rowe Price Large Cap Growth Portfolio — Class B Brighthouse Asset Allocation 100 Portfolio — Class B T. Rowe Price Small Cap Growth Portfolio — Class B Brighthouse Small Cap Value Portfolio — Class B Western Asset Management Strategic Bond Opportunities Portfolio — Brighthouse/Aberdeen Emerging Markets Equity Portfolio — Class A Class A Brighthouse/Wellington Large Cap Research Portfolio — Class E Western Asset Management U.S. Government Portfolio — Class A Clarion Global Real Estate Portfolio — Class A Fidelity® Variable Insurance Products — Service Class 2 ClearBridge Aggressive Growth Portfolio — Class A Contrafund® Portfolio Harris Oakmark International Portfolio — Class A Mid Cap Portfolio Invesco Comstock Portfolio — Class B Franklin Templeton Variable Insurance Products Trust — Class 2 Invesco Mid Cap Value Portfolio — Class B Templeton Developing Markets VIP Fund Invesco Small Cap Growth Portfolio — Class A Templeton Foreign VIP Fund JPMorgan Small Cap Value Portfolio — Class A Janus Aspen Series — Service Shares MFS® Research International Portfolio — Class B Enterprise Portfolio Oppenheimer Global Equity Portfolio — Class E Legg Mason Partners Income Trust — Class A PIMCO Inflation Protected Bond Portfolio — Class A Western Asset Corporate Bond Fund PIMCO Total Return Portfolio — Class B Legg Mason Partners Variable Equity Trust — Class I T. Rowe Price Large Cap Value Portfolio — Class B ClearBridge Variable Aggressive Growth Portfolio Brighthouse Funds Trust II ClearBridge Variable Appreciation Portfolio BlackRock Bond Income Portfolio — Class A ClearBridge Variable Dividend Strategy Portfolio BlackRock Capital Appreciation Portfolio — Class A ClearBridge Variable Large Cap Growth Portfolio BlackRock Large Cap Value Portfolio — Class B ClearBridge Variable Large Cap Value Portfolio BlackRock Ultra-Short Term Bond Portfolio — Class E ClearBridge Variable Small Cap Growth Portfolio Brighthouse Asset Allocation 20 Portfolio — Class B Legg Mason Partners Variable Income Trust — Class I Brighthouse Asset Allocation 40 Portfolio — Class B Western Asset Variable Global High Yield Bond Portfolio Brighthouse Asset Allocation 60 Portfolio — Class B Trust for Advised Portfolios Brighthouse Asset Allocation 80 Portfolio — Class B 1919 Variable Socially Responsive Balanced Fund Certain Funding Options have been subject to a change. Please see “Appendix B — Additional Information Regarding the Underlying Funds.” The Fixed Account is described in a separate prospectus. The Contract, certain Contract features and/or some of the Funding Options may not be available in all states. The Contract, certain Contract features and/or some of the Funding Options may not be available in all states. This prospectus sets forth the information that You should know before investing in the Contract. This prospectus should be kept for future reference. You can receive additional information about Your Contract by requesting a Statement of Additional Information (“SAI”) dated May 1, 2017 We filed the SAI with the Securities and Exchange Commission (“SEC”), and it is incorporated by reference into this prospectus. To request a copy, write to Us at 4700 Westown Parkway, Ste. 200, West Des Moines, IA 50266 , call 1-800-842-9368, or access the SEC’s website (http://www.sec.gov). See Appendix D for the SAI’s table of contents. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved these securities or the adequacy of this prospectus. Any representation to the contrary is a criminal offense. Variable Annuity Contracts are not deposits of any bank, and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Prospectus Dated: May 1, 2017 TABLE OF CONTENTS Page Page Glossary ............................................... 3 Death Benefit .......................................... 32 Summary .............................................. 6 Death Benefits Prior to the Maturity Date .............. 32 Fee Table............................................... 9 The Annuity Period ..................................... 33 Condensed Financial Information ....................... 14 Maturity Date ........................................ 33 The Annuity Contract and Your Retirement Plan .......... 14 Allocation of Annuity ................................. 33 The Annuity Contract ................................... 14 Variable Annuity ..................................... 34 General .............................................. 15 Fixed Annuity ........................................ 34 Contract Owner Inquiries ............................. 15 Election of Options ................................... 34 Allocated Contracts................................... 15 Retired Life Certificate ................................ 35 Unallocated Contracts ................................ 15 Allocation of Cash Surrender Value During the Annuity Purchase Payments ................................... 15 Period ............................................. 35 Crediting Purchase Payments .......................... 15 Annuity Options...................................... 35 Accumulation Units .................................. 16 Variable Liquidity Benefit ............................. 36 Valuation of Assets ................................... 16 Miscellaneous Contract Provisions ...................... 36 Contract Value ....................................... 17 Contract and Participant’s Individual Account The Funding Options ................................. 17 Termination ........................................ 36 Underlying Funds Which Are Fund of Funds ........... 22 Suspension of Payments............................... 37 Charges And Deductions Under The Contract ............ 23 Misstatement......................................... 37 General .............................................. 23 Funding Options ..................................... 37 Surrender Charge..................................... 23 Cybersecurity Risks ................................... 38 Daily Asset Charge ................................... 25 The Separate Account................................... 38 Variable Liquidity Benefit Charge...................... 25 Performance Information.............................. 39 Funding Option Charges .............................. 26 Federal Tax Considerations .............................. 39 Semi-Annual Administrative Charge ................... 26 Qualified Annuity Contracts........................... 39 Installation Charge ................................... 26 Other Information ...................................... 44 TPA Administrative Charges ........................... 27 The Insurance Company .............................. 44 Premium Tax ......................................... 27 Financial Statements.................................. 45 Income Taxes......................................... 27 Distribution of the Contracts .......................... 45 Changes in Taxes Based upon
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