[Financial Results](index=3&type=section&id=Financial%20Results) [Key Metrics](index=4&type=section&id=Key%20Metrics) Brighthouse Financial reported a net income of $150 million in Q3 2024, a significant improvement from prior losses, with robust adjusted earnings of $767 million including notable items, and a strong risk-based capital ratio | Financial Metric | Q3 2024 | Q2 2024 | Q3 2023 | | :--- | :--- | :--- | :--- | | Net income (loss) available to shareholders | $150M | $9M | $453M | | Adjusted earnings (loss) | $767M | $346M | $326M | | Adjusted earnings, less notable items | $243M | $346M | $275M | | Net income (loss) per common share | $2.47 | $0.12 | $6.89 | | Adjusted earnings (loss) per common share | $12.58 | $5.57 | $4.97 | | Book value per common share, excluding AOCI | $132.91 | $128.36 | $146.61 | | Combined risk-based capital ratio | 365%-385% | 380%-400% | 400%-420% | [GAAP Statements of Operations](index=5&type=section&id=GAAP%20Statements%20of%20Operations) Total revenues for Q3 2024 increased to $2.0 billion from $1.2 billion in Q3 2023, primarily due to reduced net derivative losses and a positive change in market risk benefits, resulting in a net income of $178 million | (in millions) | Q3 2024 | Q3 2023 | | :--- | :--- | :--- | | Total revenues | $2,018 | $1,170 | | Premiums | $180 | $194 | | Net investment income | $1,288 | $1,202 | | Net derivative gains (losses) | $(93) | $(840) | | Total expenses | $1,830 | $580 | | Change in market risk benefits | $(610) | $1,064 | | Income (loss) before income tax | $188 | $590 | | Net income (loss) | $178 | $481 | | Net income (loss) available to common shareholders | $150 | $453 | [GAAP Balance Sheets](index=6&type=section&id=GAAP%20Balance%20Sheets) As of September 30, 2024, total assets increased to $245.2 billion, with total investments reaching $118.9 billion, while total stockholders' equity grew to $5.5 billion due to a significant reduction in accumulated other comprehensive loss | (in millions) | Sept 30, 2024 | Sept 30, 2023 | | :--- | :--- | :--- | | Total investments | $118,854 | $108,660 | | Total assets | $245,156 | $223,516 | | Total liabilities | $239,566 | $219,382 | | Total Brighthouse Financial, Inc.'s stockholders' equity | $5,525 | $4,069 | | Accumulated other comprehensive income (loss) | $(4,127) | $(7,116) | [Earnings and Select Metrics from Segments and Corporate & Other](index=7&type=section&id=Earnings%20and%20Select%20Metrics%20from%20Segments%20and%20Corporate%20%26%20Other) [Statements of Adjusted Earnings by Segment and Corporate & Other](index=8&type=section&id=Statements%20of%20Adjusted%20Earnings%20by%20Segment%20and%20Corporate%20%26%20Other) Total adjusted earnings for Q3 2024 reached $767 million, primarily driven by a $463 million contribution from the Run-off segment due to favorable actuarial adjustments, while Annuities provided $327 million | Adjusted Earnings (in millions) | Q3 2024 | Q3 2023 | | :--- | :--- | :--- | | Annuities | $327 | $319 | | Life | $(25) | $(73) | | Run-off | $463 | $95 | | Corporate & Other | $2 | $(15) | | **Total** | **$767** | **$326** | [Annuities](index=10&type=section&id=Annuities) The Annuities segment reported adjusted earnings of $327 million in Q3 2024, a slight increase from the prior year, supported by higher net investment income and strong total annuity sales exceeding $2.5 billion, despite net outflows in variable and Shield Level annuities | Annuities - Key Metrics (in millions) | Q3 2024 | Q3 2023 | | :--- | :--- | :--- | | Adjusted earnings | $327 | $319 | | Total adjusted revenues | $1,314 | $1,214 | | Variable & Shield Annuities Net Flows | $(1,980) | $(1,052) | | Fixed Annuities Net Flows | $57 | $(213) | | Total Variable & Shield Annuity Sales | $2,031 | $2,018 | - Variable and Shield Level Annuities account value grew to **$128.2 billion** at the end of Q3 2024, up from $112.8 billion a year ago, primarily due to positive investment performance[21](index=21&type=chunk) [Life](index=13&type=section&id=Life) The Life segment's adjusted loss significantly improved to $25 million in Q3 2024 from $73 million in Q3 2023, driven by lower policyholder benefits and claims, while total life sales increased to $30 million | Life - Key Metrics (in millions) | Q3 2024 | Q3 2023 | | :--- | :--- | :--- | | Adjusted earnings (loss) | $(25) | $(73) | | Total adjusted revenues | $303 | $299 | | Policyholder benefits and claims | $247 | $302 | | Total life sales | $30 | $25 | - Term Life insurance in-force, net of reinsurance, decreased to **$280.7 billion** as of September 30, 2024, from $286.4 billion a year prior, reflecting the run-off nature of this block[27](index=27&type=chunk) [Run-off](index=16&type=section&id=Run-off) The Run-off segment reported substantial adjusted earnings of $463 million in Q3 2024, a significant increase from $95 million in Q3 2023, primarily due to a large favorable actuarial adjustment in policyholder benefits and claims | Run-off - Key Metrics (in millions) | Q3 2024 | Q3 2023 | | :--- | :--- | :--- | | Adjusted earnings (loss) | $463 | $95 | | Total adjusted revenues | $377 | $413 | | Policyholder benefits and claims | $(313) | $183 | | ULSG Account Value, end of period | $4,848 | $5,125 | [Corporate & Other](index=18&type=section&id=Corporate%20%26%20Other) The Corporate & Other segment achieved adjusted earnings of $2 million in Q3 2024, improving from a $15 million loss in the prior year, driven by higher net investment income and stable expenses, with institutional spread margin business account balance growing to $11.0 billion | Corporate & Other - Key Metrics (in millions) | Q3 2024 | Q3 2023 | | :--- | :--- | :--- | | Adjusted earnings (loss) | $2 | $(15) | | Net investment income | $178 | $160 | | Total adjusted expenses | $170 | $153 | | Institutional spread margin business account balance | $11,033 | $10,525 | [Other Information](index=19&type=section&id=Other%20Information) [Change in Market Risk Benefits and Net Derivative Gains (Losses)](index=20&type=section&id=Change%20in%20Market%20Risk%20Benefits%20and%20Net%20Derivative%20Gains%20(Losses)) In Q3 2024, the company recorded a $610 million favorable change in market risk benefits and a net derivative loss of $93 million, reflecting market impacts on liabilities and hedging activities | (in millions) | Q3 2024 | Q3 2023 | | :--- | :--- | :--- | | Total change in market risk benefits | $(610) | $1,064 | | Total net derivative gains (losses) | $(93) | $(840) | [Notable Items](index=21&type=section&id=Notable%20Items) Adjusted earnings for Q3 2024 included a net favorable impact of $524 million from notable items, primarily driven by a $570 million favorable actuarial adjustment in the Run-off segment | Notable Items by Segment (in millions) | Q3 2024 | | :--- | :--- | | Annuities | $(20) | | Life | $66 | | Run-off | $(570) | | Corporate & Other | $— | | **Total notable items** | **$(524)** | [Summary of Investments](index=23&type=section&id=Summary%20of%20Investments) As of September 30, 2024, the total investment portfolio, including cash, was $124.5 billion, predominantly comprising fixed maturity securities and mortgage loans, with an adjusted net investment income yield of 4.26% - The investment portfolio is primarily composed of **fixed maturity securities (66.9%)** and **mortgage loans (18.4%)**[35](index=35&type=chunk) - The adjusted net investment income yield was **4.26%** for Q3 2024, slightly higher than the 4.20% in Q3 2023[35](index=35&type=chunk) [Statutory Information](index=24&type=section&id=Statutory%20Information) On a preliminary statutory basis for Q3 2024, the combined entities reported a net loss of $300 million, with total adjusted capital of $5.7 billion and a strong combined risk-based capital ratio estimated between 365%-385% | Statutory Metric | As of Sept 30, 2024 (Preliminary) | | :--- | :--- | | Combined net income (loss) (Q3) | $(300)M | | Combined total adjusted capital | $5,700M | | Combined risk-based capital ratio | 365%-385% | | Dividends paid to holding company (Q3) | $— | [Appendix](index=26&type=section&id=Appendix) [Non-GAAP and Other Financial Disclosures](index=28&type=section&id=Non-GAAP%20and%20Other%20Financial%20Disclosures) This section defines non-GAAP financial measures like adjusted earnings, adjusted revenues, and adjusted expenses, explaining how they enhance understanding by excluding market volatility and other items to highlight underlying business profitability - Adjusted earnings is a key non-GAAP measure that excludes the impact of market volatility by removing net investment gains/losses, net derivative gains/losses (with certain adjustments), and changes in market risk benefits from GAAP results[51](index=51&type=chunk)[62](index=62&type=chunk) - Notable items are also presented, which reflect the after-tax impact of certain unanticipated or significant events to help investors better evaluate and forecast results[64](index=64&type=chunk) [Reconciliations](index=33&type=section&id=Reconciliations) This section provides detailed tables reconciling GAAP financial measures to non-GAAP measures, including Net Income to Adjusted Earnings, Return on Common Equity to Adjusted Return on Common Equity, and Total Revenues and Expenses to their adjusted counterparts | Reconciliation to Adjusted Earnings (Q3 2024, in millions) | Amount | | :--- | :--- | | **Net income (loss) available to shareholders** | **$150** | | Less: Net investment gains (losses) | $(60) | | Less: Net derivative gains (losses), excluding investment hedge adjustments | $(99) | | Less: Change in market risk benefits | $(610) | | Less: Market value adjustments | $(11) | | Less: Provision for income tax (expense) benefit on reconciling adjustments | $163 | | **Adjusted earnings (loss)** | **$767** |

Part I — Financial Information This section presents the company's consolidated financial statements and management's analysis of its financial condition and operations [Item 1. Consolidated Financial Statements](index=4&type=section&id=Item%201.%20Consolidated%20Financial%20Statements) This section presents Brighthouse Financial, Inc.'s unaudited interim consolidated financial statements and explanatory notes [Interim Condensed Consolidated Balance Sheets](index=4&type=section&id=Interim%20Condensed%20Consolidated%20Balance%20Sheets) Consolidated Balance Sheet Summary (in millions) | Account | June 30, 2024 | December 31, 2023 | | :--- | :--- | :--- | | **Total Assets** | **$237,438** | **$236,340** | | Total Investments | $115,299 | $115,456 | | Separate Account Assets | $88,260 | $88,271 | | **Total Liabilities** | **$233,232** | **$231,332** | | Policyholder Account Balances | $85,865 | $81,068 | | Separate Account Liabilities | $88,260 | $88,271 | | **Total Equity** | **$4,206** | **$5,008** | - Total assets increased slightly to **$237.4 billion** as of June 30, 2024, from **$236.3 billion** at year-end 2023. However, total equity decreased significantly to **$4.2 billion** from **$5.0 billion**, primarily due to a retained deficit increase and treasury stock purchases[8](index=8&type=chunk) [Interim Condensed Consolidated Statements of Operations and Comprehensive Income (Loss)](index=5&type=section&id=Interim%20Condensed%20Consolidated%20Statements%20of%20Operations%20and%20Comprehensive%20Income%20(Loss)) Consolidated Statements of Operations Summary (in millions, except per share data) | Metric | Three Months Ended June 30, 2024 | Three Months Ended June 30, 2023 | Six Months Ended June 30, 2024 | Six Months Ended June 30, 2023 | | :--- | :--- | :--- | :--- | :--- | | Total Revenues | $1,427 | $263 | $1,501 | $1,547 | | Total Expenses | $1,413 | $500 | $2,101 | $2,437 | | Net Income (Loss) | $34 | $(175) | $(457) | $(672) | | Net Income (Loss) Available to Common Shareholders | $9 | $(200) | $(510) | $(725) | | Diluted EPS | $0.12 | $(3.01) | $(8.17) | $(10.77) | - The company reported net income available to common shareholders of **$9 million** for Q2 2024, a significant improvement from a net loss of **$200 million** in Q2 2023. The improvement was largely driven by lower net derivative losses and a positive change in market risk benefits[11](index=11&type=chunk) [Interim Condensed Consolidated Statements of Equity](index=6&type=section&id=Interim%20Condensed%20Consolidated%20Statements%20of%20Equity) - Total equity decreased from **$5,008 million** at December 31, 2023, to **$4,206 million** at June 30, 2024. The decrease was primarily driven by a net loss of **$459 million** and treasury stock repurchases totaling **$126 million** during the six-month period[15](index=15&type=chunk) [Interim Condensed Consolidated Statements of Cash Flows](index=7&type=section&id=Interim%20Condensed%20Consolidated%20Statements%20of%20Cash%20Flows) Consolidated Statements of Cash Flows Summary (in millions) | Cash Flow Activity | Six Months Ended June 30, 2024 | Six Months Ended June 30, 2023 | | :--- | :--- | :--- | | Net cash provided by (used in) operating activities | $(196) | $(628) | | Net cash provided by (used in) investing activities | $(1,707) | $(1,659) | | Net cash provided by (used in) financing activities | $2,493 | $1,909 | | **Change in cash, cash equivalents and restricted cash** | **$590** | **$(378)** | - For the first six months of 2024, the company saw a net increase in cash of **$590 million**, a reversal from a **$378 million** decrease in the same period of 2023. This was driven by strong net cash from financing activities, which included **$20.6 billion** in policyholder deposits, offsetting cash used in operating and investing activities[17](index=17&type=chunk) [Notes to the Interim Condensed Consolidated Financial Statements (Unaudited)](index=8&type=section&id=Notes%20to%20the%20Interim%20Condensed%20Consolidated%20Financial%20Statements%20(Unaudited)) - Brighthouse Financial is a major U.S. provider of annuity and life insurance products, organized into three segments: Annuities, Life, and Run-off, in addition to a Corporate & Other category[21](index=21&type=chunk) - The company's financial statements are prepared in conformity with U.S. GAAP, which requires management to make estimates and assumptions that can affect reported amounts[22](index=22&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=56&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) This section provides management's perspective on the company's financial condition and results of operations [Executive Summary](index=57&type=section&id=Executive%20Summary) Financial Highlights (in millions) | Metric | Three Months Ended June 30, 2024 | Three Months Ended June 30, 2023 | Six Months Ended June 30, 2024 | Six Months Ended June 30, 2023 | | :--- | :--- | :--- | :--- | :--- | | Net Income (Loss) Available to Shareholders | $9 | $(200) | $(510) | $(725) | | Adjusted Earnings (Loss) | $346 | $271 | $248 | $466 | - For Q2 2024, the company reported net income of **$9 million** and adjusted earnings of **$346 million**. The net income for the quarter was primarily driven by favorable pre-tax adjusted earnings, which was partially offset by unfavorable market impacts on variable annuity guarantees and derivatives[264](index=264&type=chunk) [Industry Trends and Uncertainties](index=58&type=section&id=Industry%20Trends%20and%20Uncertainties) - The company's business is materially affected by capital markets and economic conditions, including equity market performance, interest rates, and inflation. The Federal Reserve's interest rate policy has contributed to unrealized losses in the investment portfolio[269](index=269&type=chunk)[270](index=270&type=chunk) - Regulatory developments, particularly the Department of Labor's (DOL) Fiduciary Advice Rule issued in April 2024, are being monitored. The implementation of this rule has been stayed by federal court decisions in July 2024, but these rulings are subject to appeal[273](index=273&type=chunk)[274](index=274&type=chunk) [Results of Operations](index=61&type=section&id=Results%20of%20Operations) Adjusted Earnings by Segment (in millions) | Segment | Three Months Ended June 30, 2024 | Three Months Ended June 30, 2023 | Six Months Ended June 30, 2024 | Six Months Ended June 30, 2023 | | :--- | :--- | :--- | :--- | :--- | | Annuities | $332 | $291 | $645 | $605 | | Life | $42 | $15 | $6 | $16 | | Run-off | $(30) | $(16) | $(371) | $(122) | | Corporate & Other | $2 | $(19) | $(32) | $(33) | | **Total Adjusted Earnings** | **$346** | **$271** | **$248** | **$466** | - Consolidated adjusted earnings increased by **$75 million** in Q2 2024 compared to Q2 2023, driven by higher net investment spread and lower other expenses. For the first six months of 2024, adjusted earnings decreased by **$218 million**, primarily due to higher costs in the Run-off segment related to a reinsurance arbitration[296](index=296&type=chunk)[298](index=298&type=chunk) [Investments](index=74&type=section&id=Investments) - The company manages investment risk through diversification by asset type, industry, and issuer. The investment portfolio is primarily managed by external asset managers[328](index=328&type=chunk)[329](index=329&type=chunk) Fixed Maturity Securities Credit Quality (by NAIC Designation, Estimated Fair Value) | NAIC Designation | June 30, 2024 | % of Total | December 31, 2023 | % of Total | | :--- | :--- | :--- | :--- | :--- | | 1 (Highest Quality) | $53,131M | 65.9% | $53,353M | 65.8% | | 2 (High Quality) | $25,179M | 31.2% | $25,236M | 31.2% | | **Subtotal Investment Grade** | **$78,310M** | **97.1%** | **$78,589M** | **97.0%** | | Below Investment Grade | $2,271M | 2.9% | $2,402M | 3.0% | - The commercial mortgage loan portfolio, totaling **$13.1 billion**, is diversified by property type, with Apartment (**40.0%**) and Office (**23.6%**) being the largest exposures[360](index=360&type=chunk) [Derivatives](index=83&type=section&id=Derivatives) - The company uses a variety of derivative instruments to manage interest rate, foreign currency, credit, and equity market risks. At June 30, 2024, the total gross notional amount of derivatives was **$197.7 billion**[368](index=368&type=chunk)[143](index=143&type=chunk) - The company writes credit default swaps as part of replication transactions to synthetically create corporate bond exposures, which helps in managing overall corporate credit risk and matching long-dated insurance liabilities[375](index=375&type=chunk) [Policyholder Liabilities](index=84&type=section&id=Policyholder%20Liabilities) Variable Annuity Net Amount at Risk (NAR) by Benefit Type (in millions) | Benefit Type | Account Value (June 30, 2024) | Death Benefit NAR (June 30, 2024) | Living Benefit NAR (June 30, 2024) | | :--- | :--- | :--- | :--- | | GMIB | $31,522 | $3,727 | $3,718 | | GMWB | $19,749 | $314 | $234 | | GMDB only | $17,172 | $973 | N/A | | **Total (All Types)** | **$83,566** | **$12,642** | **$4,703** | - Variable annuity guaranteed benefits are classified as Market Risk Benefits (MRBs) and measured at fair value. The total liability for these benefits was **$8.7 billion** as of June 30, 2024, down from **$10.3 billion** at year-end 2023[389](index=389&type=chunk) [Liquidity and Capital Resources](index=87&type=section&id=Liquidity%20and%20Capital%20Resources) - The company maintains a substantial short-term liquidity position of **$4.3 billion** and total liquid assets of **$48.5 billion** as of June 30, 2024[396](index=396&type=chunk)[397](index=397&type=chunk) - The parent holding company, BHF, is largely dependent on cash flows from its insurance subsidiaries. BHF held **$1.2 billion** in short-term liquidity and liquid assets as of June 30, 2024[436](index=436&type=chunk)[437](index=437&type=chunk)[438](index=438&type=chunk) - During the first six months of 2024, the company repurchased **$126 million** of its common stock. As of June 30, 2024, **$667 million** remained under the common stock repurchase authorization[216](index=216&type=chunk)[404](index=404&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=96&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) This section addresses the company's exposure to market risks, including changes in interest rates, equity market prices, credit spreads, and foreign currency exchange rates - The company has determined that there have been no material changes to its market risk exposures from those previously disclosed in its 2023 Annual Report on Form 10-K[451](index=451&type=chunk) [Item 4. Controls and Procedures](index=97&type=section&id=Item%204.%20Controls%20and%20Procedures) Management, including the CEO and CFO, evaluated the company's disclosure controls and procedures and concluded they were effective as of June 30, 2024 - Based on an evaluation as of the end of the period, the Chief Executive Officer and Chief Financial Officer concluded that the company's disclosure controls and procedures were effective as of June 30, 2024[453](index=453&type=chunk) - The company identified ongoing changes in business processes, system implementations, and new third-party arrangements related to transitional services from MetLife as material changes in its internal control over financial reporting[454](index=454&type=chunk) Part II — Other Information This section covers legal proceedings, risk factors, equity sales, and other key disclosures [Item 1. Legal Proceedings](index=97&type=section&id=Item%201.%20Legal%20Proceedings) This section refers to Note 13 of the financial statements for details on legal proceedings - For information regarding legal proceedings, the report refers to Note 13 of the Notes to the Interim Condensed Consolidated Financial Statements[456](index=456&type=chunk) [Item 1A. Risk Factors](index=97&type=section&id=Item%201A.%20Risk%20Factors) The company states that there have been no material changes to its risk factors from those disclosed in its 2023 Annual Report on Form 10-K - There have been no material changes to the company's risk factors from those previously disclosed in the 2023 Annual Report[457](index=457&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=97&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) This section details the company's common stock repurchases during the second quarter of 2024 Issuer Purchases of Equity Securities (Q2 2024) | Period | Total Shares Purchased | Average Price Paid per Share | Dollar Value Remaining for Purchase (End of Period) | | :--- | :--- | :--- | :--- | | April 2024 | 444,121 | $49.51 | $709M | | May 2024 | 515,699 | $46.08 | $686M | | June 2024 | 426,910 | $42.76 | $667M | | **Total Q2** | **1,386,730** | **N/A** | **$667M** | [Item 5. Other Information](index=97&type=section&id=Item%205.%20Other%20Information) This section reports on director and officer trading plans - During the three months ended June 30, 2024, none of the company's directors or officers adopted or terminated a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement[459](index=459&type=chunk) [Item 6. Exhibits](index=98&type=section&id=Item%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including CEO and CFO certifications and XBRL data files - The exhibits filed with this report include CEO and CFO certifications pursuant to Sections 302 and 906 of the Sarbanes-Oxley Act of 2002, and Inline XBRL documents[461](index=461&type=chunk)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___ to ___ Commission File Number: 001-37905 Brighthouse Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 81-3846992 (State or other juris ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 __________________________ FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___ to ___ Commission File Number: 001-37905 Brighthouse Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 81-3846992 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___ to ___ Commission File Number: 001-37905 Brighthouse Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 81-3846992 (State or other j ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___ to ___ Commission File Number: 001-37905 Brighthouse Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 81-3846992 (State or other jurisd ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___ to ___ Commission File Number: 001-37905 Brighthouse Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 81-3846992 (State or other juris ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 __________________________ FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___ to ___ Commission File Number: 001-37905 Brighthouse Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 81-3846992 ...