Ratings last updated July 30, 2026
Talcott Financial Group is a retirement services company whose annuities appear on AnnuaLife's rate boards. Its retail annuity contracts are issued by its insurance subsidiary Talcott Resolution Life Insurance Company, which holds an AM Best financial-strength rating of A- (Excellent).
AM Best assigns Talcott's issuing insurer, Talcott Resolution Life Insurance Company, a financial-strength rating of A-, which sits in its "Excellent" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. An A- sits in AM Best's "Excellent" category, near the lower end of that range, reflecting its assessment that the company has an excellent ability to meet those obligations. Ratings can change; the rating shown here was last checked July 30, 2026.
Talcott lists both multi-year guaranteed annuities (MYGAs) and fixed index annuities (FIAs) on AnnuaLife, its EverStead and EverGuard series. The MYGA products link to a full detail page; the fixed index products are covered in our fixed index guide. Rates and caps below are examples as of July 30, 2026 and vary by state.
Multi-year guaranteed annuities
| Product | Term | Rate | Minimum | Details |
|---|---|---|---|---|
| EverStead MYGA 8 | 8 yr | 5.35% | $100,000 | View |
| EverStead MYGA 9 | 9 yr | 5.40% | $100,000 | View |
Fixed index annuities
| Product | Index | Cap | Participation | Minimum |
|---|---|---|---|---|
| EverGuard Aspire 10 Model 2: Equity Focused | S&P 500 annual pt-to-pt | 13.00% | - | $25,000 |
| EverGuard Aspire 7 Model 2: Equity Focused | S&P 500 annual pt-to-pt | 13.00% | - | $25,000 |
| EverGuard Aspire 5 Model 2: Equity Focused | S&P 500 annual pt-to-pt | 12.50% | - | $25,000 |
Fixed index annuities work differently from fixed-rate products. Learn how caps and participation rates shape your return in the fixed index annuity guide.
Sources: PR Newswire. Company facts last checked July 30, 2026.
Talcott, backed by the investment firm Sixth Street, is a newer entrant to the retail annuity market and lists both MYGAs and fixed index annuities on our board through its A- rated issuer. Its EverGuard index caps run competitive, up to 13% at the time of writing. The MYGA side is worth reading closely: the EverStead rates are mid-pack, and the minimum premium is $100,000, well above the $10,000 to $25,000 most carriers here ask for, so it fits a larger single deposit. An advisor can weigh the A- rating, the caps, and that minimum against your timeline.
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