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Fixed Indexed Annuity

EverGuard Aspire with Premium Bonus

Talcott Financial Group

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10%

Free W/D

48

Available jurisdictions

Product data status: September 18, 2026

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 with Premium Bonus would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 18, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$293,140
Est. value at age 80 (EverGuard Aspire with Premium Bonus)
20%
Premium bonus offered
S&P 500 Index — 5.75% 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 with Premium Bonus's published cap rate (5.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $20,000 premium bonus (20%) = $120,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of September 18, 2026.

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See how EverGuard Aspire with Premium Bonus compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.

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rate data

Run numbers for EverGuard Aspire with Premium Bonus

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Talcott Financial Group product.

Live product data

Rates as of September 18, 2026, from AdvisorWorld and CANNEX.

No qualifying annual cap published

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.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want the day-one balance lift of a premium bonus, plan to hold through the bonus vesting schedule, are comfortable taking lower caps on the same index menu to pay for the bonus, are comfortable reading each crediting option on its own crediting-term and rate-type basis rather than against a single headline number, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

48 jurisdictions (excl. California, Florida, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

Model 2: Equity Focused (EF) — 30% allocation

7% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

5.75% cap rate

Annual cap

10-year term · 10-year surrender · $100,000+

Fixed Account

Fixed Account

3% declared rate

Fixed account

10-year term · 10-year surrender · $100,000+

+ 11 additional crediting options (Engle, Balanced, Goldman Sachs...)

Product analyst notes

How to think about this contract

Why it can stand out

  • A premium bonus is credited on day one of the contract, lifting the account value used by every crediting strategy from the contract start — the bonus is the structural reason a buyer would pick this contract over the no-bonus sibling EverGuard Aspire.
  • Same four-strategy crediting menu as the no-bonus sibling — S&P 500 cap options on both the uncontrolled S&P 500 and a volatility-controlled S&P 500 variant, plus participation options on the Invesco BofA QQQ Balanced and Goldman Sachs Enhanced Multi-Asset indexes — so a buyer can pick the cap mechanic on the S&P 500 option or take participation exposure to a multi-asset portfolio.
  • Annual free-withdrawal allowance, a smoothly declining ten-year surrender ladder, and three carrier surrender-charge waivers (nursing home, terminal illness, RMD) all sit alongside the bonus, so the conditions that suspend the surrender schedule entirely are visible up front rather than buried in the bonus marketing.
  • Both single-life and joint-life annuitization options are available, and both non-qualified and qualified funds are accepted — couples planning a joint payout and buyers using IRA money both fit the contract's accepted-funds and payout-options envelope.

What to confirm

  • The premium bonus is bought with crediting rates — the caps on this contract run materially below the no-bonus sibling on the same indexes. The bonus is a balance-sheet headline, but the buyer pays for it in every crediting period of the contract. Run the bonus-versus-lower-caps tradeoff through the deferral horizon you actually plan to hold before treating the bonus as free money.
  • The bonus vests on a graded multi-year schedule running alongside the ten-year surrender ladder — none of the bonus vests in year one, then it vests in tranches across the surrender term and a tail year beyond it. A contract exited any time before full vesting forfeits part of the bonus on top of the surrender charge and any market-value adjustment.
  • This is not a guaranteed-lifetime-income product. The live feed shows an empty income-rider list and there is no Protected Income Value chassis, so the bonus is not converted into a guaranteed lifetime payout. Treat it as bonus-led accumulation and do not present it as an income-rider FIA.
  • The S&P 500 cap options use multi-year crediting terms rather than a clean annual point-to-point, so no annual headline cap is shown. Read each cap alongside its crediting term rather than comparing it directly with another carrier's annual S&P 500 cap. Two of the four index strategies use proprietary engineered indexes, and a third uses a volatility-controlled S&P 500 variant. The contract is also not available in California, Florida, or New York.

Not ideal for

Buyers who expect to exit before the bonus fully vests (the forfeiture on top of the surrender charge erodes the benefit), buyers who want the highest possible crediting rate on the S&P 500 (the no-bonus EverGuard Aspire sibling caps higher on the same index), buyers who need contractually guaranteed lifetime withdrawals, 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 contract is not available in those three states.

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See how EverGuard Aspire with Premium Bonus compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.

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All crediting strategies

View rate listings (19 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 70% · 1-yr

Goldman Sachs Enhanced Multi-Asset Index

Model 2: Equity Focused (EF) — 20% allocation · participation

10-yr surrender$100,000+

Par: 65% · 1-yr

Goldman Sachs Enhanced Multi-Asset Index

Model 1: Balanced Rate Guarantee (BRG) — 30% allocation · participation

10-yr surrender$100,000+

Par: 50% · 1-yr

Invesco BofA QQQ Balanced FC Index

Model 2: Equity Focused (EF) — 20% allocation · participation

10-yr surrender$100,000+

Par: 45% · 1-yr

Invesco BofA QQQ Balanced FC Index

Model 1: Balanced Rate Guarantee (BRG) — 30% allocation · participation

10-yr surrender$100,000+

Cap: 7% · 1-yr

S&P 500 Index

Model 2: Equity Focused (EF) — 30% allocation · cap

10-yr surrender$100,000+

Cap: 6.75% · 1-yr

S&P 500 Engle 15% VT TCA (USD) ER

Model 2: Equity Focused (EF) — 30% allocation · cap

10-yr surrender$100,000+

Cap: 6.25% · 1-yr

S&P 500 Engle 15% VT TCA (USD) ER

Model 1: Balanced Rate Guarantee (BRG) — 40% allocation · cap

10-yr surrender$100,000+

Par: 70% · 10-yr

Goldman Sachs Enhanced Multi-Asset Index

participation

10-yr surrender$100,000+

Par: 70% · 10-yr

Goldman Sachs Enhanced Multi-Asset Index

participation

10-yr surrender$100,000+

Par: 50% · 10-yr

Invesco BofA QQQ Balanced FC Index

participation

10-yr surrender$100,000+

Par: 50% · 10-yr

Invesco BofA QQQ Balanced FC Index

participation

10-yr surrender$100,000+

Cap: 6.75% · 10-yr

S&P 500 Engle 15% VT TCA (USD) ER

cap

10-yr surrender$100,000+

Cap: 6.75% · 10-yr

S&P 500 Engle 15% VT TCA (USD) ER

cap

10-yr surrender$100,000+

Cap: 5.75% · 10-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 5.75% · 10-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Fixed: 3% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Rate not shown · 10-yr

Index not shown

Model 1: Balanced Rate Guarantee (BRG) · Allocation model

$100,000+

Rate not shown · 10-yr

Index not shown

Model 2: Equity Focused (EF) · Allocation model

$100,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about EverGuard Aspire with Premium Bonus

● Can I lose money in EverGuard Aspire with Premium Bonus?

A negative index return by itself does not reduce the contract's account value: EverGuard Aspire with Premium Bonus credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, 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 scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do EverGuard Aspire with Premium Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available EverGuard Aspire with Premium Bonus 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

Premium bonus

20%

Bonus terms can vary by state, premium band, and rider election.

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

Joint life, Single life

Published payout options from the normalized contract facts.

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

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA-
FitchA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

EverGuard Aspire with Premium Bonus currently shows 19 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 14 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7% annual cap, Model 2: Equity Focused (EF) — 30% allocation, 0% annual strategy fee
  • S&P 500 Index: 5.75% annual cap, 0% annual strategy fee
  • S&P 500 Index: 5.75% annual cap
  • Fixed Account: 3% fixed account rate, 0% annual strategy fee

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 information 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

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See how EverGuard Aspire with Premium Bonus compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.

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