Talcott
A Sixth Street-backed insurance group with roots tracing to 1902 through the former Hartford life and annuity business - long a run-off and institutional risk-transfer platform, and since January 2026 a new retail entrant with an A- (Excellent) AM Best rating and a compact EverGuard FIA and EverStead MYGA shelf.
Financial strength
A-
AM Best
A-
Fitch
Baa1
Moody's
BBB+
S&P
AM Best A- (Excellent)
The Talcott Resolution issuing companies carry an A- (Excellent) Financial Strength Rating from AM Best - the fourth-highest of thirteen categories.
Sixth Street-owned
Talcott has been owned by Sixth Street, a global investment firm, since the acquisition completed in 2021 - institutional capital behind the issuing carriers.
Roots to 1902
Talcott traces its insurance history to 1902 through the Hartford life and annuity business it was carved out of in 2018.
$135B group AUM
Talcott Financial Group reported approximately $135 billion in assets under management as of December 31, 2025 - a group-level figure spanning its run-off, reinsurance, and retail businesses, not a single issuing entity.
New retail shelf (2026)
Talcott entered the retail annuity market in January 2026 with the EverGuard Aspire FIAs, EverGuard Assurance 10 income FIA, and EverStead MYGA - a deliberately compact first lineup.
Run live numbers on Talcott products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Income FIAs
Selected product: Everguard Assurance 10
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Free Comparison Report
Get Talcott's current rate report
Compare Talcott's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Explore Talcott products
Known Talcott product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
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 options and proprietary participation strategies, with no income rider and no premium bonus.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
Free Comparison Report
Get Talcott's current rate report
Compare Talcott's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Start with the job for the money, then open the live Talcott product page that matches that goal.
Company overview
What Talcott is
Talcott Financial Group is the enterprise brand of an international insurance group headquartered in Hartford, Connecticut. The annuities on this page are issued by its insurance subsidiaries - Talcott Resolution Life Insurance Company and Talcott Resolution Life and Annuity Insurance Company - which carry the policyholder guarantees; the group and its owner do not.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
The Talcott Resolution companies are the former Hartford life and annuity run-off business, separated from The Hartford in 2018 and acquired by Sixth Street in 2021. From 2018 until early 2026, Talcott operated primarily as a run-off and institutional risk-transfer platform - managing large in-force blocks and reinsurance transactions rather than selling new retail products. It launched its first retail annuity shelf in January 2026.
Retail launch January 2026 · AnnuityRatesHQ carrier research, June 2026; Talcott announcements
Talcott's annuity lineup spans EverGuard Aspire, EverGuard Aspire With Premium Bonus, and EverStead MYGA.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Roots
1902
Insurance history traces to 1902 through the former Hartford life and annuity business.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Owner
Sixth Street
Owned by Sixth Street, a global investment firm, since the 2021 acquisition.
Acquired 2021 · AnnuityRatesHQ carrier research, June 2026; Talcott announcements
Group AUM
$135B
Group-level assets under management across Talcott Financial Group - not a single issuing entity's statutory figure.
As of 2025-12-31 · Talcott financial disclosures
AM Best
A- (Excellent)
A- Financial Strength Rating from AM Best on the Talcott Resolution issuing companies.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best
History highlights
Talcott traces its insurance history to 1902 through the Hartford life and annuity operations it descends from.
Roots to 1902 · AnnuityRatesHQ carrier research, June 2026
In 2018, The Hartford sold its run-off life and annuity business to an investor consortium, and Talcott Resolution began operating as an independent run-off insurer.
Separated 2018 · AnnuityRatesHQ carrier research, June 2026
Sixth Street acquired Talcott Resolution in 2021; the Talcott Financial Group brand launched in 2022 as the group expanded into institutional risk transfer and reinsurance.
Acquired 2021 · AnnuityRatesHQ carrier research, June 2026; Talcott announcements
In January 2026, Talcott launched its first retail annuity products - the EverGuard Aspire Series, EverGuard Assurance, and EverStead MYGA - marking its return to writing new individual business.
January 2026 · Talcott retail launch announcement
From Hartford run-off block to Sixth Street retail platform
The Talcott Resolution companies were born in 2018 when The Hartford sold its run-off life and annuity business to an investor consortium. For its first years as an independent company, Talcott's job was administering existing contracts for hundreds of thousands of policyholders - a run-off insurer, not a retail one.
Separated 2018 · AnnuityRatesHQ carrier research, June 2026
Sixth Street, a global investment firm, agreed to acquire Talcott Resolution in January 2021 and completed the acquisition later that year. The Talcott Financial Group enterprise brand followed in 2022, and the group built out an institutional risk-transfer and reinsurance business alongside the legacy blocks.
Acquired 2021 · AnnuityRatesHQ carrier research, June 2026; Talcott announcements
In January 2026 Talcott entered the retail annuity market with the EverGuard and EverStead lines. The guarantees behind those contracts rest on the Talcott Resolution issuing companies - rated A- (Excellent) by AM Best - not on Talcott Financial Group or Sixth Street.
Retail launch January 2026 · AnnuityRatesHQ carrier research, June 2026; Talcott announcements
Financial strength
AM Best
A-
Excellent financial-strength rating - the fourth-highest of thirteen AM Best categories - on the Talcott Resolution issuing companies; Stable outlook.
Checked 2026-07-16
Fitch
A-
Insurer financial strength rating on Talcott Resolution Life and Annuity Insurance Company; Stable outlook, per Talcott's financial-information page.
2025-2026 effective dates
Moody's
Baa1
Insurance financial strength rating on Talcott Resolution Life and Annuity Insurance Company - investment grade, below the single-A tier; Positive outlook.
2025-2026 effective dates
S&P
BBB+
Financial strength rating on Talcott Resolution Life and Annuity Insurance Company - investment grade, below the single-A tier; Positive outlook.
2025-2026 effective dates
What makes Talcott different
Institutional scale behind a new retail shelf
Talcott arrives at retail with the balance sheet of a group managing roughly $135 billion in assets (group figure, as of December 31, 2025) and years of experience administering large annuity blocks - unusual heft for a carrier whose retail lineup is only months old.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; Talcott announcements
An honest run-off-to-retail story
Talcott spent 2018-2025 as a run-off and risk-transfer platform, not a retail brand. That history means deep in-force administration experience, but also that the EverGuard and EverStead products have a short retail track record - both sides of that tradeoff belong in the comparison.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
A short menu with clean lanes
Four products, four jobs: EverGuard Aspire for accumulation, its Premium Bonus variant for the issue-credit tradeoff, EverGuard Assurance 10 for guaranteed lifetime income, and EverStead MYGA for a declared rate. No overlapping families to untangle.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Group vs. issuing entity, stated plainly
Sixth Street owns the group; Talcott Financial Group is the brand; the Talcott Resolution insurance companies issue the contracts and stand behind the guarantees at an A- (Excellent) AM Best rating - a tier below the A and A+ carriers on this site, which rate and rider comparisons should account for.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best
About Talcott
Talcott Financial Group, headquartered in Hartford, Connecticut, is the Sixth Street-owned insurance group built from the former Hartford run-off life and annuity business. Its Talcott Resolution insurance subsidiaries issue the annuities and carry the guarantees; its insurance roots trace to 1902.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
After years as a run-off and institutional risk-transfer platform, Talcott entered the retail annuity market in January 2026. Its issuing companies carry an A- (Excellent) rating from AM Best, and its lineup spans the EverGuard Aspire FIAs, the EverGuard Assurance 10 income FIA, and the EverStead MYGA.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best
Talcott combines the EverGuard Aspire and Assurance indexed families with the EverStead fixed-rate annuity.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Talcott's current rate report
Compare Talcott's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Talcott Financial Group corporate site (who we are, financial information, retail launch) — 2026-07-16
- AnnuityRatesHQ carrier research - Talcott overview, roots to 1902, Hartford separation (2018), Sixth Street acquisition (2021), AM Best A- — Checked 2026-07-16
- Talcott retail launch announcement - EverGuard Aspire Series, EverGuard Assurance, EverStead MYGA — January 2026
- Talcott financial disclosures - approximately $135B group AUM as of 2025-12-31; issuer financial-strength ratings — Checked 2026-07-16
- Sixth Street acquisition of Talcott Resolution - announced January 2021, completed 2021 — 2021
- Live product catalog (EverGuard Aspire, Aspire With Premium Bonus, Assurance 10 FIAs; EverStead MYGA), rates, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026