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Fixed Indexed Annuity

EverGuard Aspire

Talcott Financial Group

10%

Free W/D

48

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 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 period

10 years

Free withdrawal

10%/yr

Availability

48 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.75% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

10% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

10% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

+ 15 volatility-controlled index options (Engle, Balanced, Goldman Sachs...)

Product analyst notes

How to think about this contract

Why it can stand out

  • 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.

All crediting strategies

View rate listings (36 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: 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: 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: 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: 100% · 10-yr

Goldman Sachs Enhanced Multi-Asset Index

$100,000+

Par: 75% · 10-yr

Invesco BofA QQQ Balanced FC Index

$100,000+

Cap: 12% · 10-yr

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

$100,000+

Cap: 10% · 10-yr

S&P 500 Index

$100,000+

Fixed: 4.5% · 10-yr

Fixed Account

$100,000+

Rate not shown · 10-yr

Model 1: Balanced Rate Guarantee (BRG)

Model 1: Balanced Rate Guarantee (BRG)

$100,000+

Rate not shown · 10-yr

Model 2: Equity Focused (EF)

Model 2: Equity Focused (EF)

$100,000+

Par: 100% · 5-yr

Goldman Sachs Enhanced Multi-Asset Index

$100,000+

Par: 75% · 5-yr

Invesco BofA QQQ Balanced FC Index

$100,000+

Cap: 11.75% · 5-yr

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

$100,000+

Cap: 9.75% · 5-yr

S&P 500 Index

$100,000+

Fixed: 4.5% · 5-yr

Fixed Account

$100,000+

Rate not shown · 5-yr

Model 1: Balanced Rate Guarantee (BRG)

Model 1: Balanced Rate Guarantee (BRG)

$100,000+

Rate not shown · 5-yr

Model 2: Equity Focused (EF)

Model 2: Equity Focused (EF)

$100,000+

Par: 100% · 7-yr

Goldman Sachs Enhanced Multi-Asset Index

$100,000+

Par: 75% · 7-yr

Invesco BofA QQQ Balanced FC Index

$100,000+

Cap: 12% · 7-yr

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

$100,000+

Cap: 10% · 7-yr

S&P 500 Index

$100,000+

Fixed: 4.5% · 7-yr

Fixed Account

$100,000+

Rate not shown · 7-yr

Model 1: Balanced Rate Guarantee (BRG)

Model 1: Balanced Rate Guarantee (BRG)

$100,000+

Rate not shown · 7-yr

Model 2: Equity Focused (EF)

Model 2: Equity Focused (EF)

$100,000+

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.

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 1.00%

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 21 distinct indexed or fixed crediting choices across 36 current rate listings, including S&P 500 Index and Fixed Account, with 15 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: 9.75% cap
  • S&P 500 Index: 10% cap
  • Fixed Account: 4.5% fixed

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

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