A.M. Best A- rated · 4 products

Talcott Financial Group Annuities — A- Rated

Talcott Financial Group is an A.M. Best A--rated annuity carrier. The current lineup includes 4 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

A-

A.M. Best

Annuity products

4 products across FIA and MYGA families

Reviewed

June 9, 2026

Product lineup reviewed against current rates.

Lineup Snapshot

Available annuity families and product-type context.

Product pages: 3 FIA product pages, 1 MYGA product page
Product families: Everguard Aspire, Everguard Aspire With Premium Bonus, Everguard Assurance, Everstead MYGA
Product types: FIA, MYGA

Financial Strength

A.M. Best A-

Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.

Product Highlights

Current Annuity Highlights

Loading current rates, rider rows, index choices, and contract terms.

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Carrier Profile

About Talcott Financial Group

Overview: Talcott Financial Group traces its insurance history to 1902 and now operates as a retail annuity and institutional risk-transfer carrier partnered with Sixth Street. The current Talcott annuity lineup includes four products: EverGuard Aspire, EverGuard Aspire with Premium Bonus, EverGuard Assurance 10, and EverStead MYGA.

Product lineup: The Talcott lineup is compact but cleanly split. EverGuard Aspire is the accumulation FIA, the Premium Bonus version adds an issue-credit and vesting tradeoff, EverGuard Assurance 10 is the income-oriented FIA with a GLWB design, and EverStead MYGA is the fixed-rate option for buyers who want a declared guarantee period.

Notable live products: Current rate data shows EverStead MYGA at 5.50%. The FIA product details carry the indexed mechanics: Aspire focuses on S&P 500 and proprietary participation strategies, the bonus Aspire page should be read against its no-bonus sibling, and Assurance 10 is the product to open when lifetime income is the actual goal.

Who it may fit: Talcott may fit a buyer who wants a short menu with clear choices between accumulation, premium-bonus accumulation, lifetime-income rider design, and MYGA safety. It is less ideal for someone who wants the highest-rated carrier tier or a very large menu of product families from one insurer.

Financial Strength In Plain English

The current CANNEX rating feed returns A.M. Best A- for Talcott. Talcott's own financial-information page also lists A- from AM Best, A- from Fitch, Baa1 from Moody's, and BBB+ from S&P for Talcott Resolution Life and Annuity Insurance Company, with 2025-2026 effective dates. In plain English, A- is still an investment-grade insurance-strength tier, but it sits below the A and A+ carriers on this site, so rate and rider comparisons should account for that spread.

ARHQ Notes

From Our Coverage

First-party review context and product-page notes, kept separate from current rate tables.

Product Highlights

Short notes from product pages.

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Everguard Aspire

A ten-year-surrender fixed indexed annuity from an A-minus-rated Talcott Financial Group carrier, built for index-linked accumulation across a mix of S&P 500 cap rows and proprietary participation strategies, with no income rider and no premium bonus.

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Everstead MYGA

A multi-year guaranteed annuity from Talcott Financial Group that publishes 2-, 3-, 5-, 7-, and 10-year terms with a smoothly declining ten-year surrender ladder, annual free-withdrawal access, RMD and care-event waivers, and single or joint annuitization on non-qualified or qualified money — A-minus carrier, not available in California or New York.

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Everguard Aspire With Premium Bonus

The premium-bonus variant of EverGuard Aspire — a ten-year-surrender fixed indexed annuity from an A-minus-rated Talcott Financial Group carrier that credits a bonus at issue and vests it across the surrender term, paid for by lower caps on the same S&P 500 and proprietary index menu as the no-bonus sibling.

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Features

Index options, riders, and term choices pulled into one quick scan.