Annuity Atlas
As of Oct 26 · B++ or betterAll rates →

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.

A.M. Best

A-

Insurer claims-paying rating

Products tracked
22
MYGA yield (lineup max)
6.10% · 10yr · EverStead MYGA 10-Year
Income on $500K (benchmark)
$52,807/yr · EverGuard Assurance 10: Early Path
Surrender range
2–10 years
Rate as of Oct 5, 2026
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Products covered
22
A.M. Best
A-
Categories covered
FIA · Income · MYGA

22 Talcott Financial Group annuities

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

Savers with a true 10-year horizon and at least $100,000 to deposit who want a fixed rate locked for the long haul
A-
A.M. BEST
MYGA10-YR SURRENDER
Review →
Buyers with $25,000 or more (ideally $100,000+) who want a straightforward 5-year locked rate outside CA and NY without rider complexity
A-
A.M. BEST
MYGA5-YR SURRENDER
Review →
Savers who want a locked-in 6-year rate without committing to Talcott's longer EverStead durations
A-
A.M. BEST
MYGA6-YR SURRENDER
Review →
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
A-
A.M. BEST
MYGA7-YR SURRENDER
Review →
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
A-
A.M. BEST
MYGA8-YR SURRENDER
Review →
Savers who specifically want a 9-year rate lock and know they won't need the money before then
A-
A.M. BEST
MYGA9-YR SURRENDER
Review →
Conservative savers who want a short, fee-free locked rate with immediate access to 10% annual withdrawals and don't need an income rider
A-
A.M. BEST
MYGA3-YR SURRENDER
Review →
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
A-
A.M. BEST
MYGA4-YR SURRENDER
Review →
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
A-
A.M. BEST
MYGA2-YR SURRENDER
Review →
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
A-
A.M. BEST
FIA10-YR SURRENDER
Review →
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
A-
A.M. BEST
FIA10-YR SURRENDERBONUS 21% (through age 75) / 12% (ages 76–85)
Review →
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
A-
A.M. BEST
FIA5-YR SURRENDER
Review →
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
A-
A.M. BEST
FIA7-YR SURRENDER
Review →
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
A-
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 0.85% annually FEE
Review →

What you could receive

Live projection for EverGuard Assurance 10: Early Path 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$2,200$26,404
$500,000$4,401$52,807
$1,000,000$8,801$105,615

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

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: Early Path) currently projects about $52,807 per year on a $500,000 premium, or $26,404 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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