Annuity Atlas
Reviews

Expert review · 2026

Talcott Financial Group review

Annuity Atlas covers 22 Talcott Financial Group annuity products with live rates and contract specs. 14 carry full editorial reviews.

Carrier strength

A-
A.M. Best
Products22
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Products covered
22
A.M. Best
A-
Categories covered
FIA · Income · MYGA
01

22 Talcott Financial Group annuities

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

ProductTypeSurrenderRatingIncome riderBonus
EverStead MYGA 10-Year
Savers with a true 10-year horizon and at least $100,000 to deposit who want a fixed rate locked for the long haul
MYGA10yrA-Review →
EverStead MYGA 5-Year
Buyers with $25,000 or more (ideally $100,000+) who want a straightforward 5-year locked rate outside CA and NY without rider complexity
MYGA5yrA-Review →
EverStead MYGA 6-Year
Savers who want a locked-in 6-year rate without committing to Talcott's longer EverStead durations
MYGA6yrA-Review →
EverStead MYGA 7-Year
Savers who want a seven-year locked rate and value the chronic illness waiver, and who are comfortable holding to term rather than needing early access
MYGA7yrA-Review →
EverStead MYGA 8-Year
Buyers with genuinely long-term, non-emergency dollars who can commit $500,000 or more to capture the top rate band and don't need the money back before year eight
MYGA8yrA-Review →
EverStead MYGA 9-Year
Savers who specifically want a 9-year rate lock and know they won't need the money before then
MYGA9yrA-Review →
EverStead MYGA 3-Year
Conservative savers who want a short, fee-free locked rate with immediate access to 10% annual withdrawals and don't need an income rider
MYGA3yrA-Review →
EverStead MYGA 4-Year
Buyers who want a clean, moderate-length locked-rate contract with strong early liquidity and don't need the four-year term to outyield a shorter commitment
MYGA4yrA-Review →
EverStead MYGA 2-Year
Buyers who want a short, simple locked-in guarantee for money they may need again relatively soon and who value the fee-free structure and built-in health waivers more than squeezing out the top short-term rate
MYGA2yrA-Review →
EverGuard Aspire 10 Bonus Model 1: Balanced Rate GuaranteeFIA10yrA-Details →
EverGuard Aspire 10 Bonus Model 2: Equity FocusedFIA10yrA-Details →
EverGuard Aspire 10 Model 1: Balanced Rate GuaranteeFIA10yrA-Details →
EverGuard Aspire 10 Model 2: Equity FocusedFIA10yrA-Details →
EverGuard Aspire 10-Year
Buyers with a genuine 10-year horizon who want top-of-market indexed crediting potential and free built-in waivers, without paying for an income rider they don't need
FIA10yrA-Review →
EverGuard Aspire 10-Year Bonus
Long-horizon accumulation buyers who want an upfront balance boost, will hold the full 10-year term, and understand they are paying for the bonus with materially lower crediting rates
FIA10yrA-20% (through age 75) / 12% (ages 76–85)Review →
EverGuard Aspire 5 Model 1: Balanced Rate GuaranteeFIA5yrA-Details →
EverGuard Aspire 5 Model 2: Equity FocusedFIA5yrA-Details →
EverGuard Aspire 5-Year
Buyers who want principal-protected, index-linked growth potential on a shorter 5-year commitment without paying for an income rider they don't need
FIA5yrA-Review →
EverGuard Aspire 7 Model 1: Balanced Rate GuaranteeFIA7yrA-Details →
EverGuard Aspire 7 Model 2: Equity FocusedFIA7yrA-Details →
EverGuard Aspire 7-Year
Buyers with at least $25,000 to commit for seven years who want multi-index growth potential with principal protection and no interest in an income rider
FIA7yrA-Review →
EverGuard Assurance 10
Pre-retirees who want to lock in a future lifetime paycheck, will actually defer income for several years, and value a low, fixed rider fee over maximum accumulation
Income10yrA-Yes
0.85% annually fee
Review →
02

What you could receive

Live projection for EverGuard Assurance 10 with Guaranteed Lifetime Withdrawal Benefit: Early Path — single life, issue age 62, income beginning at age 65. Illustrative, not a quote; figures refresh from Annuity Rate Watch.

PremiumMonthlyAnnual
$250,000$2,168$26,021
$500,000$4,337$52,042
$1,000,000$8,674$104,084
03

Income rider fees

Disclosed charges for optional riders on Talcott Financial Group products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Guaranteed Lifetime Withdrawal Benefit: Early PathEverGuard Assurance 100.85% annually
Guaranteed Lifetime Withdrawal Benefit: Future PathEverGuard Assurance 100.85% annually
04

Frequently asked questions

Is Talcott Financial Group a good annuity company?
We have reviewed 14 Talcott Financial Group products, and A.M. Best rates the carrier A- for financial strength.
How much income can I get from a Talcott Financial Group annuity?
Income depends on your premium, age, and start date. At our benchmark scenario — single life, issue age 62, income beginning at age 65 — Talcott Financial Group's highest-paying income product (EverGuard Assurance 10) currently projects about $52,042 per year on a $500,000 premium, or $26,021 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
What are the fees for Talcott Financial Group annuities?
Fee structures vary by product. Optional income riders on Talcott Financial Group products carry disclosed charges — for example Guaranteed Lifetime Withdrawal Benefit: Early Path (EverGuard Assurance 10): 0.85% annually ; Guaranteed Lifetime Withdrawal Benefit: Future Path (EverGuard Assurance 10): 0.85% annually . See each product review for the full fee detail.
What is the surrender period for Talcott Financial Group annuities?
Surrender periods on Talcott Financial Group's current lineup run 2–10 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.

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