Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

EverGuard Assurance 10

Talcott Financial Group

Get my rate report

4.5%

Best S&P 500 Annual Cap

10%

Free W/D

48

Jurisdictions

Product data status: July 2, 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 Assurance 10 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
$150,842
Est. value at age 80 (EverGuard Assurance 10)
4.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Engle 15% VT TCA (USD) ER — 5.5% Cap (Annual)
✦
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 Assurance 10's published cap rate (5.5% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 2, 2026.

Free Comparison Report

Get a EverGuard Assurance 10 rate report

See how EverGuard Assurance 10 compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.

Get my rate report

Live rate data

Run live numbers for EverGuard Assurance 10

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.

GLWB lifetime payout rate

4.8% lifetime payout + 4% roll-up

A ten-year-surrender fixed indexed annuity from an A-minus-rated Talcott Financial Group carrier with a real optional GLWB rider in two flavors (Early Path with a day-one income-base bonus, Future Path with a longer tiered roll-up), built for guaranteed lifetime income rather than the highest possible accumulation cap.

0.85% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers who want guaranteed lifetime income via a real, optional GLWB rider on a ten-year-surrender chassis, plan to defer long enough for the roll-up to compound the withdrawal base, are comfortable paying an explicit rider fee charged against the income base, and want a choice between a day-one income-base bonus (Early Path) and a longer high-rate roll-up window (Future Path).

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

48 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.5% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

2% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 3 additional crediting options (Engle, Balanced, Goldman Sachs)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit Rider - Option 1: Early Path

Lifetime payout rate4.8% lifetime payout
Annual rider fee0.85% annual rider fee
Guaranteed roll-up4%/yr
Interest multiplier2x interest multiplier

Income rider

Guaranteed Withdrawal Benefit Rider - Option 2: Future Path

Lifetime payout rate3.65% lifetime payout
Annual rider fee0.85% annual rider fee
Guaranteed roll-up10%/yr
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income comes via a real optional GLWB rider in two distinct flavors — an Early Path option that pairs a fixed roll-up on the withdrawal base with a one-time income premium bonus credited at issue, and a Future Path option that runs a tiered roll-up over a longer accumulation window — so buyers can pick the income mechanism that matches their deferral horizon and tolerance for rider-fee drag.
  • The Early Path variant credits a meaningful one-time premium bonus directly to the withdrawal base at issue, lifting the income base used to compute lifetime payout from the contract start without requiring deferral to capture the boost.
  • Both single-life and joint-life annuitization options are available on the base contract, and both non-qualified and qualified funds are accepted, so couples planning joint-life income and buyers using IRA money both fit the contract's accepted-funds envelope. The GLWB rider is RMD-friendly on the live feed.
  • Annual free-withdrawal allowance and a smoothly declining ten-year surrender ladder are shown alongside three carrier surrender-charge waivers (nursing home, terminal illness, RMD), so penalty-free liquidity events and the conditions that suspend the schedule entirely are both visible up front.

What to confirm

  • The GLWB rider carries an explicit annual fee charged against the income base, not the account value — effective cost can run higher than the headline fee rate once the income base outgrows the account value through the roll-up, so model the rider through deferral before committing.
  • The S&P 500 annual point-to-point cap on this filing is materially lower than the no-rider sibling EverGuard Aspire on the identical index — accumulation buyers who do not need the GLWB should compare the sibling, because crediting capacity here is reallocated to fund the income rider regardless of whether the buyer elects it.
  • The ten-year surrender term is at the long end of the FIA market, the year-one surrender charge is at the top of the schedule, and a market-value adjustment can sit on top of the surrender charge in a rising-rate environment — an unplanned exit in the first five years is materially expensive even with the GLWB rider in place.
  • The two GLWB options behave differently and are not directly interchangeable — the Early Path roll-up rate is lower but the contract opens with a meaningful income-base bonus, while the Future Path roll-up is higher in the early window with no day-one bonus, then steps down to a lower roll-up rate for the rest of the accumulation window. Pick the right option for the deferral horizon and document the choice; switching after issue is not a feature this filing offers. The product is also not available in California, Florida, or New York.

Not ideal for

Buyers focused on maximum accumulation cap — the no-rider sibling EverGuard Aspire credits materially higher on the same S&P 500 strategy. Also not for buyers who want a Protected Income Value chassis with no rider fee, buyers who need short-surrender liquidity, buyers who want a death-benefit roll-up beyond the standard contract value, or buyers residing in California, Florida, or New York — this filing is not available in those three states.

Free Comparison Report

Get a EverGuard Assurance 10 rate report

See how EverGuard Assurance 10 compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (5 rows)

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: 60% · 1-yr

Goldman Sachs Enhanced Multi-Asset Index

participation

10-yr surrender

Par: 45% · 1-yr

Invesco BofA QQQ Balanced FC Index

participation

10-yr surrender

Cap: 5.5% · 1-yr

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

cap

10-yr surrender

Cap: 4.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2% · 1-yr

Fixed Account

fixed

10-yr surrender

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider - Option 1: Early Path

Lifetime withdrawal rate4.8%
Annual rider fee0.85%
Withdrawal-base growth4% roll-up / 2× multiplier

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider - Option 2: Future Path

Lifetime withdrawal rate3.65%
Annual rider fee0.85%
Withdrawal-base growth10% roll-up / 2× multiplier

GLWB

Common questions about EverGuard Assurance 10

● Can I lose money in EverGuard Assurance 10?

A negative index return by itself does not reduce the contract's account value: EverGuard Assurance 10 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.

● Is the Guaranteed Lifetime Withdrawal Benefit Rider - Option 1: Early Path income rider worth the 0.85% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4% roll-up and 4.8% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 Assurance 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current EverGuard Assurance 10 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 Assurance 10 currently shows 5 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 3 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: 4.5% annual cap
  • Fixed Account: 2% fixed account rate

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit Rider - Option 1: Early Path is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.8% withdrawal rate
  • 0.85% rider 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 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 Assurance 10 rate report

See how EverGuard Assurance 10 compares for your age, state, premium, and income goals alongside other Talcott Financial Group fixed indexed annuity options.

Get my rate report

Related Resources