Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what EverGuard Aspire would do for you
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of July 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$125,440
Est. value at age 80 (EverGuard Aspire)
1
Broad-market strategy
S&P 500 Engle 15% VT TCA (USD) ER — 12% Cap (Annual · 10-yr term)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies EverGuard Aspire's published cap rate (12% on S&P 500 Engle 15% VT TCA (USD) ER) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 10-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 2, 2026.
Free Comparison Report
Get a EverGuard Aspire rate report
See how EverGuard Aspire compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Talcott Financial Group product.
Live product data
Rates as of July 2, 2026, based on the latest AdvisorWorld scan of CANNEX data.
No qualifying annual cap published
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.
No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data
Best fit
Buyers committed to a full ten-year deferral who want index-linked accumulation, value the ability to mix cap and participation mechanics across S&P 500 and proprietary multi-asset indexes inside the same contract, are comfortable reading each crediting row on its own crediting-term and rate-type basis rather than against a single headline number, accept an A-minus carrier strength view, and don't need a guaranteed lifetime-income rider built into the contract.
AM Best
A- Excellent
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
48 jurisdictions
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
Four crediting designs are offered across the menu — S&P 500 cap rows on both the uncontrolled S&P 500 and a volatility-controlled S&P 500 variant, plus participation rows on the Invesco BofA QQQ Balanced and Goldman Sachs Enhanced Multi-Asset indexes — so a buyer who wants S&P exposure can pick a cap mechanic while a buyer who wants participation exposure to a multi-asset portfolio can do so inside the same contract.
Annual free-withdrawal allowance and a smoothly declining ten-year surrender ladder are shown directly on this page alongside three carrier surrender-charge waivers (nursing home, terminal illness, RMD), so the schedule of penalty-free liquidity and the conditions that suspend the schedule entirely are visible up front.
Both single-life and joint-life annuitization options are available on this contract, and both non-qualified and qualified funds are accepted, so couples planning a joint-life payout and buyers using IRA money are both inside the product's accepted-funds and payout-options envelope.
The contract publishes a guaranteed minimum cap rate, a guaranteed minimum participation rate, and a guaranteed minimum fixed-account interest rate — the floor side of the renewal mechanics is contractually defined rather than left open-ended.
What to confirm
This contract is not a guaranteed-lifetime-income product. There is no GLWB income rider attached — the live feed shows an empty income-rider list — and there is no Protected Income Value chassis. Do not compare its payout side-by-side with a rider-led income FIA; for guaranteed lifetime income from this carrier, look at the sibling EverGuard Assurance 10 filing, which carries an explicit GLWB rider.
The S&P 500 cap rows on the live feed publish on a multi-year crediting term rather than a clean annual point-to-point, which is why no row backs a headline cap on this page — read each cap row in the strategy table alongside its crediting term and surrender length rather than comparing it line-for-line against another carrier's annual S&P 500 cap.
The ten-year surrender term is at the long end of the FIA market, and the year-one and year-two surrender charges are both at the top of the schedule. The charge does not drop into the low single digits until the back half of the schedule, so an unplanned exit in years one through five is materially expensive on top of the free-withdrawal allowance. The contract also carries a market-value adjustment that can sit on top of the surrender charge in a rising-rate environment.
There is no premium bonus and no death-benefit roll-up on this filing — the death benefit pays at the contract value, with no guaranteed legacy bump. Two of the four index strategies sit on proprietary engineered indexes (Invesco BofA QQQ Balanced, Goldman Sachs Enhanced Multi-Asset), and a third sits on a volatility-controlled S&P 500 variant — their participation and cap numbers can look attractive in absolute terms but are not directly comparable to an uncontrolled S&P 500 annual cap. This filing is also not available in California, Florida, or New York.
Not ideal for
Buyers who need a contractually guaranteed GLWB-rider withdrawal rate (the sibling EverGuard Assurance 10 carries that), buyers who want a shorter surrender commitment, buyers who expect a premium bonus to offset a long surrender term, buyers who want a death-benefit roll-up beyond the standard contract value, buyers who want a single comparable annual S&P 500 cap as their headline number, or buyers residing in California, Florida, or New York — this filing is not available in those three states.
Free Comparison Report
Get a EverGuard Aspire rate report
See how EverGuard Aspire compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 100% · 5-yr
Goldman Sachs Enhanced Multi-Asset Index
participation
5-yr surrender$100,000+
Par: 75% · 5-yr
Invesco BofA QQQ Balanced FC Index
participation
5-yr surrender$100,000+
Cap: 11.75% · 5-yr
S&P 500 Engle 15% VT TCA (USD) ER
cap
5-yr surrender$100,000+
Cap: 9.75% · 5-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Fixed: 4.5% · 5-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 93% · 5-yr
Goldman Sachs Enhanced Multi-Asset Index
participation
5-yr surrenderUp to $99,999.99
Par: 69% · 5-yr
Invesco BofA QQQ Balanced FC Index
participation
5-yr surrenderUp to $99,999.99
Cap: 10.75% · 5-yr
S&P 500 Engle 15% VT TCA (USD) ER
cap
5-yr surrenderUp to $99,999.99
Cap: 9.25% · 5-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Fixed: 4.25% · 5-yr
Fixed Account
fixed
5-yr surrenderUp to $99,999.99
Par: 100% · 7-yr
Goldman Sachs Enhanced Multi-Asset Index
participation
7-yr surrender$100,000+
Par: 75% · 7-yr
Invesco BofA QQQ Balanced FC Index
participation
7-yr surrender$100,000+
Cap: 12% · 7-yr
S&P 500 Engle 15% VT TCA (USD) ER
cap
7-yr surrender$100,000+
Cap: 10% · 7-yr
S&P 500 Index
cap
7-yr surrender$100,000+
Fixed: 4.5% · 7-yr
Fixed Account
fixed
7-yr surrender$100,000+
Par: 93% · 7-yr
Goldman Sachs Enhanced Multi-Asset Index
participation
7-yr surrenderUp to $99,999.99
Par: 69% · 7-yr
Invesco BofA QQQ Balanced FC Index
participation
7-yr surrenderUp to $99,999.99
Cap: 11% · 7-yr
S&P 500 Engle 15% VT TCA (USD) ER
cap
7-yr surrenderUp to $99,999.99
Cap: 9.5% · 7-yr
S&P 500 Index
cap
7-yr surrenderUp to $99,999.99
Fixed: 4.25% · 7-yr
Fixed Account
fixed
7-yr surrenderUp to $99,999.99
Par: 100% · 10-yr
Goldman Sachs Enhanced Multi-Asset Index
participation
10-yr surrender$100,000+
Par: 75% · 10-yr
Invesco BofA QQQ Balanced FC Index
participation
10-yr surrender$100,000+
Cap: 12% · 10-yr
S&P 500 Engle 15% VT TCA (USD) ER
cap
10-yr surrender$100,000+
Cap: 10% · 10-yr
S&P 500 Index
cap
10-yr surrender$100,000+
Fixed: 4.5% · 10-yr
Fixed Account
fixed
10-yr surrender$100,000+
Par: 93% · 10-yr
Goldman Sachs Enhanced Multi-Asset Index
participation
10-yr surrenderUp to $99,999.99
Par: 69% · 10-yr
Invesco BofA QQQ Balanced FC Index
participation
10-yr surrenderUp to $99,999.99
Cap: 11% · 10-yr
S&P 500 Engle 15% VT TCA (USD) ER
cap
10-yr surrenderUp to $99,999.99
Cap: 9.5% · 10-yr
S&P 500 Index
cap
10-yr surrenderUp to $99,999.99
Fixed: 4.25% · 10-yr
Fixed Account
fixed
10-yr surrenderUp to $99,999.99
Rate not shown · 10-yr
Model 1: Balanced Rate Guarantee (BRG)
Model 1: Balanced Rate Guarantee (BRG) · AL
Up to $99,999.99
Rate not shown · 10-yr
Model 2: Equity Focused (EF)
Model 2: Equity Focused (EF) · AL
Up to $99,999.99
Rate not shown · 5-yr
Model 1: Balanced Rate Guarantee (BRG)
Model 1: Balanced Rate Guarantee (BRG) · AL
Up to $99,999.99
Rate not shown · 5-yr
Model 2: Equity Focused (EF)
Model 2: Equity Focused (EF) · AL
Up to $99,999.99
Rate not shown · 7-yr
Model 1: Balanced Rate Guarantee (BRG)
Model 1: Balanced Rate Guarantee (BRG) · AL
Up to $99,999.99
Rate not shown · 7-yr
Model 2: Equity Focused (EF)
Model 2: Equity Focused (EF) · AL
Up to $99,999.99
Income riders
Accumulation-focused — no income rider
This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.
Common questions about EverGuard Aspire
● Can I lose money in EverGuard Aspire?
A negative index return by itself does not reduce the contract's account value: EverGuard Aspire credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do EverGuard Aspire's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current EverGuard Aspire strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
0.25%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
1.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Documents
Carrier documents not available for this product
Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.
Carrier Ratings
AM BestA-
S&PA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
EverGuard Aspire currently shows 36 distinct indexed or fixed crediting choices across 42 current rate listings, including S&P 500 Index, with 24 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 9.75% 5-year cap
S&P 500 Index: 9.25% 5-year cap
S&P 500 Index: 10% 7-year cap
S&P 500 Index: 9.5% 7-year cap
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
10 surrender years
Nursing home waiver
RMD waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
This page uses the current structured product data returned for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
Get a EverGuard Aspire rate report
See how EverGuard Aspire compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.