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Multi-Year Guaranteed Annuity
EverStead MYGA — Talcott Financial Group
Guarantee terms
2 · 3 · 4 · 5 · 6 · 7 · 8 · 9 · 10 yrs
Free withdrawal
10% published tier; confirm timing and exceptions
Market value adj.
Applies
Minimum premium
$25,000
Availability
49 jurisdictions (48 states + DC)
Surrender schedule
10-year option published contract option; match to the selected rate before purchase
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Oct 5, 2026
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $100,000 comparison premium, alongside the full-term effective rate.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $100,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 2-yearSchedule not published | 3.95% | 3.95% | Flat throughout | $108,056+$8,056 interest | -0.80 ptsmedian 4.75% · n=20 |
| 3-yearSchedule not published | 5.50% | 5.50% | Flat throughout | $117,424+$17,424 interest | +0.10 ptsmedian 5.40% · n=106 |
| 4-yearSchedule not published | 5.50% | 5.50% | Flat throughout | $123,882+$23,882 interest | +0.20 ptsmedian 5.30% · n=33 |
| 5-yearSchedule not published | 5.80% | 5.80% | Flat throughout | $132,565+$32,565 interest | +0.15 ptsmedian 5.65% · n=124 |
| 6-yearSchedule not published | 5.80% | 5.80% | Flat throughout | $140,254+$40,254 interest | +0.30 ptsmedian 5.50% · n=31 |
| 7-yearSchedule not published | 5.80% | 5.80% | Flat throughout | $148,388+$48,388 interest | +0.20 ptsmedian 5.60% · n=112 |
| 8-yearSchedule not published | 5.80% | 5.80% | Flat throughout | $156,995+$56,995 interest | +0.40 ptsmedian 5.40% · n=9 |
| 9-yearSchedule not published | 5.80% | 5.80% | Flat throughout | $166,101+$66,101 interest | +0.60 ptsmedian 5.20% · n=12 |
| 10-year10-yr surrender scheduleHighest | 6.00% | 6.00% | Flat throughout | $179,085+$79,085 interest | +0.30 ptsmedian 5.70% · n=35 |
Rate figures use a $100,000 comparison premium and are scoped to the selected contract version. Term-end values are illustrative calculations using the published rate and crediting convention with no withdrawals. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 5.80% grows over 5 years
Follow a deposit through the complete guarantee term.
The calculator shows outcomes only when the entered premium matches a published rate band. No rate or ending value is inferred outside those bands.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 5.80% | +$5,800 | $105,800 |
| Year 2 | 5.80% | +$6,136 | $111,936 |
| Year 3 | 5.80% | +$6,492 | $118,429 |
| Year 4 | 5.80% | +$6,869 | $125,298 |
| Year 5 | 5.80% | +$7,267 | $132,565 |
| Compound-equivalent annual rate over the full term | 5.800% | ||
How the number is calculated
- Product
- EverStead MYGA
- Schedule
- 5.80% for 5 years
- Crediting
- Compound interest
- Ending value
- $132,565
- Effective rate
- 5.800% per year
Equivalent: a flat MYGA paying 5.80% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- Guarantee periods run from 2 through 10 years, giving buyers a broad choice of fixed-rate time horizons within one contract.
- The product publishes multiple premium bands, so buyers can see whether the declared rate changes with deposit size instead of relying on a single advertised figure.
- Annual free-withdrawal access is accompanied by nursing-home, terminal-illness, and required-minimum-distribution surrender-charge waivers, subject to the contract's eligibility terms.
- The contract accepts qualified and non-qualified funds and publishes both single-life and joint-life annuitization choices.
What to confirm
- Each guarantee term has a matching surrender-charge schedule, beginning at the same year-one charge and extending through the selected term, so buyers should compare the full schedule before choosing a longer commitment.
- A market-value adjustment applies to withdrawals subject to surrender charges and can increase or decrease the amount received; there is no return-of-premium option.
- The contract does not publish a premium bonus or an optional guaranteed-lifetime-withdrawal rider, so it is designed for fixed-rate accumulation rather than bonus-led growth or lifetime-income guarantees.
- Availability excludes California and New York, and buyers should weigh Talcott's A-minus A.M. Best rating alongside the rate and the length of the commitment.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$25,000 minimum
$2,000,000 maximum
Issue ages
0–85 (annuitant and owner)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges and a market value adjustment may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Joint life · Single life
Maximum annuitization age: 100 years
Fees and charges
None published
Contract versions
1
Most states · MVA · No liquidity rider
Source
CANNEX via AdvisorWorld
Normalized facts observed Oct 9, 2026.
State availability
49 jurisdictions (excl. California, New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.
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