Talcott Financial Group review

Annuity Atlas has published 14 editorial reviews of Talcott Financial Group products. Average peer-group rating 4.0 / 5, top-rated product earns 4.2 / 5. Browse the full lineup below.

Our rating

4.0

Avg ★ / 5

Products reviewed14

A.M. BestA-

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Reviews published

Average rating

★ 4.0 / 5

A.M. Best

A-

Categories covered

FIA · Income · MYGA

14 Talcott Financial Group annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
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	FIA	7yr	★ 4.2	—	—	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	Income	10yr	★ 4.2	Yes 0.85% annual rider charge, deducted from Contract Value, based on the Income Benefit Base (same rate for both options; rate fixed for life of contract) fee	—	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	MYGA	5yr	A-	—	—	Review →
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	MYGA	10yr	A-	—	—	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	MYGA	3yr	A-	—	—	Review →
EverStead MYGA 6-Year Savers who want a locked-in 6-year rate without committing to Talcott's longer EverStead durations	MYGA	6yr	A-	—	—	Review →
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	FIA	10yr	★ 4.0	—	—	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	MYGA	8yr	A-	—	—	Review →
EverStead MYGA 9-Year Savers who specifically want a 9-year rate lock and know they won't need the money before then	MYGA	9yr	A-	—	—	Review →
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	FIA	5yr	★ 3.9	—	—	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	MYGA	4yr	A-	—	—	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	MYGA	7yr	A-	—	—	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	MYGA	2yr	A-	—	—	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	FIA	10yr	★ 3.5	—	18.00% (issue ages 0-75) / 12.00% (issue ages 76-85) (per ARW, effective 5/18/2026)	Review →

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.

Rider	Product	Fee
Guaranteed Lifetime Withdrawal Benefit: Early Path	EverGuard Assurance 10	0.85% annually
Guaranteed Lifetime Withdrawal Benefit: Future Path	EverGuard Assurance 10	0.85% annually

Frequently asked questions

Is Talcott Financial Group a good annuity company?

Talcott Financial Group earns an average rating of 4.0/5 across the 14 products we've reviewed, and A.M. Best rates the carrier A- for financial strength.

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.

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