EverGuardSM Aspire Series
For a stable future with growth potential
With competitive rates, a Premium Bonus option and access to model portfolios, the EverGuardSM Aspire Series Single Premium, Deferred, Fixed Indexed Annuity (FIA) provides principal protection that’s fully positioned for growth. With competitive rates, the EverGuardSM Aspire Series also offers flexibility with 5-, 7- and 10-year Withdrawal Charge Periods.
Benefits of EverGuardSM Aspire Series
Premium Bonus
Available with the 10-year Withdrawal Charge Period, an optional Premium Bonus Rider provides an immediate boost to your retirement savings. If elected, you may have lower crediting rates.
Growth potential
Your premium is linked to the performance of a market index, allowing you to benefit from market upside potential without the risk of
principal loss due to 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.
Guaranteed income stream
Using the annuitization feature, you can convert your Contract Value into a guaranteed income stream to ensure steady, reliable payments for a specified period or even life.
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.
Fixed Indexed Annuities 101
A FIA is a long-term contract with an insurance company (like Talcott) that can help you grow
and protect your retirement savings. For more info, see Page 5 of our product brochure.
Secure your retirement strategy in three simple steps.
- Choose your premium amount.
$25,000 minimum with a maximum of $2 million (without prior company approval). - Select your Withdrawal Charge Period.
Select between 5-year, 7-year, 10-year and 10-year with Premium Bonus Rider. - Elect your account options.
Allocate between the available account options (more details in the product brochure).
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 (FC) technology to the Invesco QQQ Exchange-Traded Fund (ETF). 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 Aspire Series?
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