Talcott EverGuard Aspire Annuity
The Talcott EverGuard Aspire Annuity is a fixed indexed annuity designed for individuals who want principal protection, tax-deferred growth, and the opportunity to participate in market-linked upside—without exposing their retirement savings to market losses. Built for long-term accumulation, EverGuard Aspire combines flexible index strategies, professionally managed model portfolios, and optional premium bonuses to support a wide range of retirement goals.
Issued by Talcott Resolution Life and Annuity Insurance Company, EverGuard Aspire reflects more than a century of financial strength and annuity expertise. It is specifically structured for pre-retirees and retirees who want growth potential with clear guardrails, predictable rules, and the ability to adapt as retirement priorities evolve.
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What Is the Talcott EverGuard Aspire Annuity?
The EverGuard Aspire is a fixed indexed annuity (FIA) that credits interest based on the performance of external market indices while protecting your principal from downside market risk. Your premium is never directly invested in the market. Instead, interest is credited based on index performance, subject to caps or participation rates, and any gains are locked in at the end of each crediting period.
This structure allows you to benefit from market growth when indices perform well, while avoiding losses during market downturns—making it a compelling alternative to traditional market-based retirement strategies.
Flexible Term Lengths and Optional Premium Bonus
The EverGuard Aspire Annuity is available with 5-year, 7-year, and 10-year withdrawal charge periods. For clients seeking an immediate boost to accumulation, the 10-year option offers an optional Premium Bonus Rider, which adds a bonus to your initial premium at issue. This bonus increases your contract value from day one, though it may result in lower index crediting rates.
This flexibility allows retirees to align the annuity term with their broader retirement timeline, whether they are planning for long-term growth, future income, or legacy objectives.
Growth Options: Fixed Interest, Index Strategies, and Model Portfolios
EverGuard Aspire offers multiple ways to grow your annuity value, giving you control over how interest is credited each year.
You may allocate your funds to a Fixed Interest Option, which provides a declared interest rate credited daily, or to one or more index-linked strategies tied to well-known benchmarks such as the S&P 500 and diversified multi-asset indices. Interest earned through index strategies is credited annually and locked in, protecting gains from future market volatility.
For those who prefer a more streamlined approach, Talcott also offers two professionally designed model portfolios:
Balanced Rate Guarantee (BRG) focuses on consistency and predictability by guaranteeing caps and participation rates for the full withdrawal charge period.
Equity Focused (EF) emphasizes growth potential, including enhanced equity exposure for clients seeking higher upside within a risk-controlled framework.
Both models include automatic annual rebalancing, helping maintain diversification without the need for ongoing manual adjustments.
Tax-Deferred Growth and Access to Your Money
Like all annuities, the EverGuard Aspire grows on a tax-deferred basis, meaning you do not pay taxes on interest earned until you take withdrawals. This allows your money to compound more efficiently over time compared to taxable alternatives.
The contract also provides liquidity. After the first contract anniversary, you may withdraw up to 10% of your contract value each year without surrender charges. Required Minimum Distributions (RMDs) can be taken penalty-free beginning in the first contract year, making EverGuard Aspire suitable for qualified retirement accounts such as IRAs.
In addition, the annuity includes waivers that allow penalty-free access to funds in the event of terminal illness or extended nursing home or hospital confinement.
Income and Legacy Planning Options
While EverGuard Aspire is primarily designed for accumulation, it also offers long-term flexibility. After the first contract year, the full contract value may be annuitized to create a guaranteed income stream for life or for a specified period. This allows the annuity to transition from a growth-focused strategy into a predictable retirement income solution.
If income is not immediately needed, any remaining contract value can be passed to beneficiaries. The death benefit pays the greater of the contract value or the minimum amount required by state law, free of surrender charges or market value adjustments.
Who Is the EverGuard Aspire Annuity Best For?
The Talcott EverGuard Aspire Annuity may be a strong fit for individuals who:
• Want protection from market losses but still desire growth potential
• Are looking for an alternative to bonds, CDs, or volatile market portfolios
• Prefer flexible allocation options and professional model portfolios
• Value tax-deferred accumulation with future income flexibility
• Want to preserve assets for heirs while maintaining access to funds
It is often used alongside Social Security, pensions, and other retirement assets to create a more balanced and resilient retirement strategy.
Why Work With Diversified Insurance Brokers
Diversified Insurance Brokers is a family-owned, fiduciary insurance agency that has helped retirees protect and grow their assets since 1980. Licensed in all 50 states, our advisors compare hundreds of annuity options across top-rated carriers—including Talcott—to ensure each recommendation aligns with your specific goals, risk tolerance, and time horizon.
Rather than focusing on a single product, we evaluate fees, surrender schedules, index strategies, and long-term guarantees so you can make an informed decision with confidence.
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Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Talcott EverGuard Aspire Annuity
What is the Talcott EverGuard Aspire Annuity?
The Talcott EverGuard Aspire is a fixed indexed annuity designed for tax-deferred accumulation with principal protection. It credits interest based on index performance (subject to strategy limits) and does not expose your principal to market losses.
Is EverGuard Aspire a fixed annuity or a fixed indexed annuity?
EverGuard Aspire is a fixed indexed annuity. It may include a fixed interest option, but the primary growth feature is index-linked interest crediting with 0% downside due to market performance.
Can I lose money in the stock market with this annuity?
No. Your annuity value is not directly invested in the market, and the contract is designed so market declines do not reduce your principal due to index performance. You may earn 0% for a crediting period if the index is negative, but you do not take a market loss.
How does interest crediting work?
You choose one or more crediting strategies (such as a fixed rate option and/or index strategies). If the linked index performs positively during the crediting period, interest may be credited up to any applicable cap, participation rate, or other strategy terms. Credited interest is generally locked in at the end of the period.
What term lengths are available?
EverGuard Aspire is typically offered with multiple withdrawal charge period options (commonly 5-, 7-, and 10-year choices), depending on state availability and current product filings.
Does EverGuard Aspire offer a premium bonus?
Some versions offer an optional premium bonus rider (often on longer surrender schedules). A premium bonus can increase your starting contract value, but it may also impact the caps or participation rates available on index strategies.
How much can I withdraw without penalties?
Most fixed indexed annuities allow a penalty-free withdrawal amount each year (commonly up to 10% after the first contract year). Withdrawals above the free amount may be subject to surrender charges during the withdrawal charge period.
Are there waivers for nursing home, terminal illness, or confinement?
Many annuities include waiver provisions that can allow penalty-free access under certain qualifying events (such as terminal illness or nursing home confinement). Exact eligibility rules vary by state and contract.
Can I use EverGuard Aspire inside an IRA or 401(k) rollover?
Yes. Fixed indexed annuities are commonly used for IRA rollovers and other qualified retirement dollars. If your annuity is in a qualified account, withdrawals are taxed according to the rules for that account type.
Does EverGuard Aspire provide lifetime income?
EverGuard Aspire is generally positioned for accumulation, but many annuity contracts can be annuitized to create guaranteed income. If you want a contract specifically designed around lifetime income features, we can compare income-focused alternatives as well.
What happens if I pass away during the term?
Your beneficiaries typically receive a death benefit based on the contract’s rules (often the contract value, and/or a minimum guaranteed amount required by the contract). Death benefits are generally paid without surrender charges, though exact terms vary.
How do I know if EverGuard Aspire is the right annuity for me?
The right fit depends on your time horizon, liquidity needs, risk tolerance, and whether your priority is growth, income, or legacy planning. The best way to evaluate fit is to compare EverGuard Aspire side-by-side with other top options for your state and age.
About the Author:
Jason Stolz, CLTC, CRPC and Chief Underwriter at Diversified Insurance Brokers, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
