Talcott EverStead MYGA Annuity
The Talcott EverStead MYGA Annuity is designed for retirees and conservative savers who want guaranteed growth, principal protection, and predictable outcomes in an uncertain market environment. As a single-premium, fixed deferred, multi-year guaranteed annuity (MYGA), EverStead allows you to lock in a fixed interest rate for a set period—without exposure to market volatility.
Issued by Talcott Resolution Life and Annuity Insurance Company, EverStead MYGA offers a straightforward approach to retirement accumulation: choose your premium, select your guarantee period, and earn tax-deferred interest that is not impacted by stock market fluctuations.
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Guaranteed Growth With Flexible Term Options
The EverStead MYGA is available with Guaranteed Option Periods (GOPs) ranging from 2 to 10 years. During your selected term, your interest rate is locked in and your principal is fully protected. This structure makes EverStead an attractive alternative to CDs and bonds—especially for investors seeking higher yields without taking on market risk.
Your earnings grow on a tax-deferred basis, meaning you don’t pay taxes on interest until withdrawals are taken. This allows your money to compound more efficiently over time compared to taxable accounts.
Liquidity and Access to Funds
While EverStead MYGA is designed for long-term stability, it still provides flexibility. Beginning in the first contract year, you may withdraw up to 10% of the contract value annually without withdrawal charges. Required Minimum Distributions (RMDs) are also available without penalties and count toward the free withdrawal amount.
For additional peace of mind, the contract includes nursing home, hospital confinement, and terminal illness waivers. If qualifying conditions are met after the first contract anniversary, funds may be accessed without withdrawal charges or market value adjustment.
End-of-Term Flexibility
At the end of each guarantee period, you remain in control. You may renew into a new guarantee period, select a different term, or take full or partial withdrawals without surrender charges during the renewal window. If your selected GOP is no longer available, the contract automatically renews into the longest available option that does not exceed the maturity date.
Income and Legacy Options
Although EverStead MYGA is primarily an accumulation-focused annuity, it also offers income flexibility. After the first contract year, your full contract value may be annuitized into a guaranteed income stream—either for a specific period or for life. Available options include life income, joint and survivor income, and income with guaranteed periods.
If income is never activated, any remaining contract value passes directly to beneficiaries. The death benefit pays the greater of the contract value or minimum value and is not subject to withdrawal charges or market value adjustment.
Who EverStead MYGA Is Designed For
The Talcott EverStead MYGA Annuity is well suited for individuals who want certainty and control in their retirement plan. It is commonly used by retirees rolling over IRAs, individuals repositioning low-yield savings, and those seeking a stable foundation alongside Social Security or pension income.
With issue ages from 0 to 85, support for both qualified and non-qualified funds, and joint ownership options available, EverStead offers broad planning flexibility.
Why Work With Diversified Insurance Brokers
Diversified Insurance Brokers is a family-owned, fiduciary insurance agency licensed in all 50 states. Since 1980, our advisors have helped clients use annuities strategically—focusing on safety, guaranteed income, and long-term planning clarity.
As an independent firm, we compare Talcott EverStead MYGA alongside other leading MYGA options to ensure the rate, term length, and features align with your goals. Our role is to help you understand the trade-offs, surrender schedules, and renewal options so you can make an informed decision with confidence.
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FAQs: Talcott EverStead MYGA Annuity
What is the Talcott EverStead MYGA Annuity?
The Talcott EverStead MYGA is a multi-year guaranteed annuity that provides a fixed interest rate for a selected term, offering predictable, tax-deferred growth with full principal protection.
How long are the guarantee periods?
EverStead MYGA offers Guaranteed Option Periods ranging from 2 to 10 years, allowing contract owners to choose the term length that best fits their retirement timeline.
Is my principal protected?
Yes. The EverStead MYGA protects 100% of your principal and credited interest from market losses, regardless of stock market performance.
Can I access my money if I need it?
Yes. Beginning in the first contract year, you may withdraw up to 10% of your contract value annually without surrender charges. Required Minimum Distributions are also available penalty-free.
Does EverStead MYGA include penalty-free waiver provisions?
Yes. The annuity includes nursing home, hospital confinement, and terminal illness waivers that allow access to funds without withdrawal charges if qualifying conditions are met.
Can this annuity provide income later?
Yes. After the first contract year, the EverStead MYGA may be annuitized to create guaranteed income for life or for a fixed period, depending on your needs.
What happens at the end of the guarantee period?
At the end of each guarantee period, you may renew into a new term, select a different available option, or withdraw funds without surrender charges during the renewal window.
Who is this annuity best suited for?
The EverStead MYGA is ideal for conservative investors, retirees, and pre-retirees seeking predictable returns, tax-deferred growth, and protection from market volatility.
What happens to the annuity if I pass away?
The death benefit pays your beneficiaries the greater of the contract value or minimum value, free of surrender charges and market value adjustments.
About the Author:
Jason Stolz, CLTC, CRPC, 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.
