EverGuardSM Assurance 10
Build a source of income tailored to meet your needs
Your financial future is protected with this Single Premium, Deferred Fixed Indexed Annuity (FIA). With a guaranteed income stream, tax deferred compound interest, and flexible access to funds, EverGuardSM Assurance 10 delivers security you can count on.
Benefits of EverGuardSM Assurance 10
Guaranteed income stream
Choose from two distinct rider options and activate Lifetime Income Payments (LIPs) to ensure a steady, guaranteed income stream you cannot outlive.1
Growth potential
Your premium is linked to the performance of a market index, offering you the benefits from market growth without the risk of principal loss due to a market downturn.
Tax deferral
Your earnings grow tax deferred,
meaning you don’t have to pay taxes on interest earned until you withdraw funds. This deferral can allow your investment to compound more effectively over time.
Access to funds
Access a portion of your money if needed—up to 10% of the Contract Value is available each year penalty free, after the first Contract Anniversary. Required Minimum Distributions (RMDs) may be taken penalty free beginning in the first Contract Year. This flexibility allows you to use your funds however you see fit throughout the Withdrawal Charge Period.
Legacy benefit
Your contract is designed to support not only your retirement, but also your legacy. If there’s remaining contract value at the time of your passing, it can be paid to your beneficiaries. This feature helps provide financial security for your loved ones and preserve family wealth across generations.
Annuity income rider 101
Annuity income riders may be optional add-ons or included as a built-in feature to a Fixed
Indexed Annuity (FIA), which is a long-term contract with an insurance company (like Talcott)
that can help grow and protect retirement savings. EverGuardSM Assurance 10 offers two distinct
built-in income riders. Option 1: Early Path is designed for those who need income sooner, while
Option 2: Future Path is intended for those planning to defer income until a later date. For more
information, download our product brochure.
Tailor your retirement strategy in four simple steps.
- Choose your premium amount.
$25,000 minimum with a maximum of $2 million (without prior company approval). - Select your income rider.
At issue, one Guaranteed Lifetime Withdrawal Benefit (GLWB) must be selected (for an additional fee) and is dependent on when you want to activate your income stream. - Watch your interest accumulate.
Enjoy tax deferred compound interest on your premium and earnings with multiple Index Options and a fixed interest option. - Begin your income distributions.
Select Single Life or Joint Life Income Payments when you’re ready to begin receiving a paycheck for life.1 Lifetime Withdrawal Percentages are based on attained age.
Unique, exclusive allocations
for your unique ambitions
S&P 500® Annual Point to Point with Cap
The S&P 500 is widely regarded as the best single gauge of large-cap U.S. equities. The index includes 500 leading companies and covers approximately 80% of available market capitalization.
Ticker: SPX | Indexed to S&P Dow Jones Indices
Goldman Sachs Enhanced Multi-Asset Annual Point to Point with Participation Rate
The Goldman Sachs Enhanced Multi-Asset Index is an 8% volatility target index that provides exposure to U.S. Equity, 10Y U.S. Treasury, 2Y U.S. Treasury, Dollar-Hedged Gold, and Alternatives.
Ticker: GSEMA8
Fixed Interest Option
Credits a guaranteed fixed interest rate, declared annually by Talcott, and credited daily.
S&P 500® Engle 15% VT TCA Annual Point to Point with Cap
The S&P 500 Engle 15% VT TCA Index measures dynamic exposure to the S&P 500 while applying a predictive volatility control mechanism, licensed from UBS. This mechanism employs a variation of the GARCH model inspired by the research of Nobel Laureate Robert F. Engle.
Ticker: SPETC15E | Indexed to S&P Dow Jones Indices
Invesco BofA QQQ Balanced FC Annual Point to Point with Participation Rate
The Invesco BofA QQQ Balanced FC Index (the “Index”) applies BofA’s patented Fast Convergence technology to the Invesco QQQ Exchange-Traded Fund. Each hour, the Index systematically assesses market volatility to rebalance between equities, U.S. Treasury futures, and cash with the goal of steady performance in many market conditions.
Ticker: QBFC
Want to learn more about EverGuardSM Assurance 10?
1 Excess withdrawals will reduce the Income Benefit Base which could reduce or potentially stop Lifetime Income Payments if excess withdrawals reduce the Contract Value to zero.
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