Notice Document by Insurance Company - Form N-VP

TABLE OF CONTENTS

	PAGE
Glossary	3
Updated Information You Should Consider About the Policy	3
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY	6
Appendix A: Eligible Funds Available Under The Policy	A-1

Glossary

Cash Value. A Policy's Cash Value includes the amount of its cash value held in the Variable Account, the amount held in the Fixed Account and, if there is an outstanding Policy loan, the amount of its cash value held in our general account as a result of the loan.

Eligible Funds. The mutual fund portfolios in which you may invest through your allocations to the corresponding Sub-Accounts of the Variable Account.

Fixed Account. The Fixed Account is a part of our general account to which you may allocate net premiums. It provides guarantees of principal and interest.

Monitored Portfolios. Certain Eligible Funds on which we monitor transfer activity. We may change the Monitored Portfolios at any time without notice in our sole discretion.

Monthly Deduction.  The amount deducted from the Policy's Cash Value on the first day of each Policy month, consisting of a Policy fee, a cost of insurance charge, a mortality and expense risk charge and charges for any optional rider benefits.

Net Cash Value. The amount you receive if you surrender the Policy. It is equal to the Policy's Cash Value reduced by any applicable surrender charge and by any outstanding Policy loan and accrued interest on the loan.

Sub-Account. A division of the Variable Account which corresponds to a mutual fund portfolio, or Eligible Fund, to which you may allocate premiums and Cash Value.

Updated Information You Should Consider About the Policy

The information in this section of the Disclosure Notice is a summary of certain Policy features that have changed since the prospectus supplement dated May 1, 2023. This may not reflect all of the changes that have occurred since you purchased your Policy.

The Designated Office for certain Policy transactions has changed. The current information is shown below.

Premium and Loan Payments	New England Life Insurance Company P.O. Box 38089 Philadelphia, PA 19101-8089
Death Claims	New England Life Insurance Company P.O. Box 4268 Clinton, IA 52733-4268
All Other Policy Transactions and Inquiries	New England Life Insurance Company P.O. Box 4270 Clinton, IA 52733-4270 Telephone: (800) 388-4000 Fax: (877) 203-4970 Email: [email protected]

Cybersecurity and Certain Business Continuity Risks. Our variable life insurance business is largely conducted through complex information technology and communications systems operated by us and our service providers and business partners (e.g., the Eligible Funds and the firms involved in the distribution and sale of our variable life insurance policies). Our operations rely on the secure processing, storage and transmission of confidential and other information in our systems and the systems of third-party service providers. For example, many routine operations, such as processing Policy Owners' requests and elections and day-to-day recordkeeping, are all executed through computer networks and systems. We have established administrative and technical controls and business continuity and resilience plans to protect our operations against attempts by unauthorized third parties to improperly access, modify, disrupt the operation of, or prevent access to critical networks or systems or data within them (a "cyber-attack"). Despite these protocols, the techniques used to attack systems and networks change frequently, are becoming more sophisticated, and can originate from a wide variety of sources including terrorists, nation states, financially motivated actors, internal actors, or third parties, such as external

service providers, and the techniques used change frequently or are often not recognized until after they have been launched. The rapid evolution and increased adoption of artificial intelligence technologies may intensify our cybersecurity risks, including the deployment of artificial intelligence technologies by threat actors. There may be an increased risk of cyber-attacks during periods of geo-political or military conflict.

A cyber-attack could have a material, negative impact on NELICO and the Variable Account, as well as individual Policy Owners and their Policies. There are inherent limitations in our plans and systems, including the possibility that certain risks have not been identified or that unknown threats may emerge in the future. Unanticipated problems with, or failures of, our disaster recovery systems and business continuity plans could have a material impact on our ability to conduct business and on our financial condition and operations, and such events could result in regulatory fines or sanctions, litigation, penalties or financial losses, reputational harm, loss of customers, and/or additional compliance costs for us. Our operations also could be negatively impacted by a cyber-attack affecting a third party, such as a service provider, business partner, another participant in the financial markets, or a governmental or regulatory authority. Potential attacks can occur through a variety of sources, including, but not limited to, cyber-attacks, phishing attacks, account takeover attempts, the introduction of computer viruses or malicious code, ransomware or other extortion tactics, denial of service attacks, credential stuffing, and other computer-related penetrations. Hardware, software or applications developed by us or received from third parties may contain exploitable vulnerabilities, bugs, or defects in design, maintenance or manufacture or other issues that could compromise information and cybersecurity. Malicious actors may attempt to fraudulently induce employees, customers, or other users of our systems to disclose credentials or other similar sensitive information in order to gain access to our systems or data, or that of our customers, through social engineering, phishing, mobile phone malware, and other methods. Cybersecurity threats can originate from a wide variety of sources including, but not limited to, natural catastrophe, military or terrorist actions, public health crises (such as the COVID-19 pandemic), and unanticipated problems with our or our service providers' disaster recovery systems. Such disasters and events may adversely affect our ability to conduct business or administer the Policies, particularly if our employees or the employees of our service providers are unable or unwilling to perform their responsibilities as a result of any such event.

Cyber-attacks, disruptions or failures to our business operations can interfere with our processing of Policy transactions, including the processing of transfer orders from our website or with the Eligible Funds; impact our ability to calculate Policy values; cause the release and/or possible loss, misappropriation or corruption of confidential Policy Owner or business information; or impede order processing or cause other operational issues. Cyber-attacks, disruptions or failures may also impact the issuers of securities in which the Eligible Funds invest, and it is possible the Eligible Funds underlying your Policy could lose value. There can be no assurance that we or our service providers or the Eligible Funds will avoid losses affecting your Policy due to cyber-attacks, disruptions or failures in the future. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, there is no guarantee that we will be able to successfully manage and mitigate this risk at all times. Furthermore, we cannot control the cybersecurity plans and systems implemented by third parties, including service providers or issuers of securities in which the Eligible Funds invest.

Monitored Portfolios. We monitor transfer activity in the following "Monitored Portfolios" for purposes of imposing our restrictions on frequent transfers:

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds The Bond Fund of America

Baillie Gifford International Stock Portfolio

CBRE Global Real Estate Portfolio

Harris Oakmark International Portfolio

Invesco Global Equity Portfolio

Invesco Small Cap Growth Portfolio

Loomis Sayles Small Cap Core Portfolio

Loomis Sayles Small Cap Growth Portfolio

MetLife MSCI EAFE® Index Portfolio

MetLife Russell 2000® Index Portfolio

MFS® Research International Portfolio

Neuberger Berman Genesis Portfolio

T. Rowe Price Small Cap Growth Portfolio

Western Asset Management Strategic Bond Opportunities Portfolio

IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY

	FEES AND EXPENSES	Location in Prospectus
Charges for Early Withdrawals	During the first 15 Policy years, if you surrender your Policy, reduce its face amount or make a partial surrender that reduces its face amount, or if the Policy lapses, then we will deduct a surrender charge from the Policy's Cash Value. The maximum surrender charge is imposed in the first Policy year and is equal to 90% of the premiums paid in that year. For example, if you paid a $100,000 premium and surrendered the Policy in the first Policy year, you could pay a surrender charge of $90,000.	Charges - Surrender Charges
Transaction Charges	In addition to surrender charges, we impose a sales charge and a premium tax charge on premiums paid into the Policy. We may impose a transfer charge on your transfer of Cash Value between the Sub-Accounts and to or from the Fixed Account, but currently do not impose this charge.	Charges - Sales Charge; Premium Tax Charge; Transfer Charge Fee Tables
Ongoing Fees and Expenses (annual charges)	In addition to surrender and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including a cost of insurance charge, a Policy fee, a mortality and expense risk charge, a loan interest spread, and charges for various riders offered along with the Policy. Certain of those ongoing charges vary in amount depending on the insureds' ages, risk class, and (except for unisex Policies) sex. You should view the Policy specifications page of your Policy for the specific charges applicable to your Policy. You also bear the expenses associated with the Eligible Funds under the Policy, as shown in the following table:	Charges - Policy Fee; Monthly Charges for the Cost of Insurance; Mortality and Expense Risk Charge; Loan Interest Spread; Charges for Additional Rider Benefits; Eligible Fund Expenses Fee Tables Appendix A: Eligible Funds Available Under the Policy (located in this Disclosure Notice)
Annual Fee	Minimum	Maximum
Investment options (Eligible Fund fees and expenses)*	0.28%	0.98%
*As a percentage of Eligible Fund assets before temporary expense reimbursements and/or fee waivers.
	RISKS
Risk of Loss	You can lose money by investing in the Policy.	Summary of Benefits and Risks - Risks of the Policy
Not a Short-Term Investment	The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. If you make a premature withdrawal of cash from your Policy, you may incur a loss due to poor investment performance or possible Federal income tax on gains distributed or deemed to be distributed from the Policy.	Summary of Benefits and Risks - Risks of the Policy

Appendix A: Eligible Funds Available Under The Policy

The following is a list of Eligible Funds available under the Policy. More information about the Eligible Funds is available in the prospectuses for the Eligible Funds, which may be amended from time to time and can be found online at https://dfinview.com/BHF/TAHD/BHF245. You can also request this information at no cost by calling our TeleService Center at (800) 388-4000 or by sending an email request to [email protected]. The current expenses and performance information below reflects fees and expenses of the Eligible Fund, but do not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Eligible Fund's past performance is not necessarily an indication of future performance.

Investment Objectives	Portfolio Company and Adviser/Sub-Adviser	Current Expenses	Average Annual Total Returns (as of 12/31/2023)
1 Year	5 Year	10 Year
Seeks long-term growth of capital.	American Funds Global Small Capitalization Fund - Class 2# Capital Research and Management CompanySM	0.91%	16.17%	8.31%	5.78%
Seeks growth of capital.	American Funds Growth Fund - Class 2 Capital Research and Management CompanySM	0.59%	38.49%	18.68%	14.36%
Seeks long-term growth of capital and income.	American Funds Growth-Income Fund - Class 2 Capital Research and Management CompanySM	0.53%	26.14%	13.36%	10.91%
Seeks as high a level of current income as is consistent with the preservation of capital.	American Funds The Bond Fund of America - Class 2# Capital Research and Management CompanySM	0.48%	5.02%	1.89%	2.08%
Seeks growth of capital.	Brighthouse Asset Allocation 100 Portfolio - Class A‡ Brighthouse Investment Advisers, LLC	0.74%	21.10%	11.83%	8.19%
Seeks long-term capital appreciation.	Brighthouse/Wellington Large Cap Research Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP	0.54%	25.74%	15.38%	11.71%
Seeks total return through investment in real estate securities, emphasizing both capital appreciation and current income.	CBRE Global Real Estate Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: CBRE Investment Management Listed Real Assets LLC	0.65%	12.87%	6.40%	4.65%
Seeks long-term capital appreciation.	Harris Oakmark International Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: Harris Associates L.P.	0.73%	19.26%	7.50%	3.45%
Seeks capital appreciation.	Invesco Global Equity Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc.	0.58%	34.99%	12.48%	8.68%

Investment Objectives	Portfolio Company and Adviser/Sub-Adviser	Current Expenses	Average Annual Total Returns (as of 12/31/2023)
1 Year	5 Year	10 Year
Seeks to maximize total return consistent with preservation of capital and maintenance of liquidity.	Western Asset Management U.S. Government Portfolio - Class A# Brighthouse Investment Advisers, LLC Subadviser: Western Asset Management Company LLC	0.50%	4.87%	0.95%	1.23%
Seeks reasonable income. The fund will also consider the potential for capital appreciation. The fund's goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500® Index.	Equity-Income Portfolio - Initial Class Fidelity Management & Research Company LLC Subadviser: FMR UK, FMR HK, and FMR Japan	0.47%	10.65%	12.30%	8.58%

The prospectus, as supplemented, and statement of additional information ("SAI") dated April 28, 2008 include additional information. The prospectus, as supplemented, and SAI are available, without charge, upon request. For a free copy, call us at (800) 388-4000 or send an email request to [email protected]. You can also access other information about the Policy online at https://dfinview.com/BHF/TAHD/BHF245.

Reports and other information about the Variable Account are available on the SEC's website at http://www.sec.gov, and copies of this

information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].

The Financial Industry Regulatory Authority ("FINRA") provides background information about broker-dealers and their registered representatives through FINRA BrokerCheck. You may contact the FINRA BrokerCheck Hotline at 1-800-289-9999, or log on to www.finra.org. An investor brochure that includes information describing FINRA BrokerCheck is available through the Hotline or on-line.

We are not a fiduciary and do not give advice or make recommendations regarding insurance or investment products. Ask your financial representative for guidance regarding any requests or elections and for information about your particular investment needs. Please bear in mind that your financial representative, or any financial firm or financial professional you consult to provide advice, is acting on your behalf. We are not a party to any agreement between you and your financial professional. We do not recommend and are not responsible for any securities transactions or investment strategies involving securities (including account recommendations).