EverStead℠ MYGA Brochure

Take advantage of the stability of ﬁxed interest rates, ﬂexible

term options and the security of principal protection. With

EverStead

MYGA, you can add steady, guaranteed growth

to your retirement journey.

Single Premium, Fixed Deferred, Multi-Year Guaranteed Annuity (MYGA)

Envision a future that’s

secured with growth

that’s guaranteed.

EverStead

MYGA

Information provided by Talcott Resolution Life and Annuity Insurance Company (“Talcott”) (NAIC# 71153),

headquartered in Hartford, Connecticut, and issuing annuities in 49 states and Washington, D.C. (excluding New

York). Annuity features and availability may vary state by state. For detailed product information or deﬁnitions of

key terms, please refer to the Certiﬁcate of Disclosure speciﬁc to the product.

Ver. 1/1/2026

8365118.8

FORM #PRB_8365118.5

Talcott Resolution Life and Annuity Insurance Company (“Talcott”)

EverStead

MYGA is available in Guaranteed Option

Periods (GOPs) from 2 through 10 years.

Reach for the power of this secure and ﬂexible solution.

Your future to protect

Your duration to pick Your

growth: guaranteed

Guaranteed growth with competitive ﬁxed rates

Earn a competitive fixed interest rate for the term you choose. Choose from multiple

GOPs of 2 through 10 years, all designed to earn a guaranteed rate of return with

principal and earnings unaffected by market fluctuations.

Tax deferral

Your earnings grow tax deferred, meaning you don’t have to pay taxes on the interest

you earn 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, beginning in the first year and including Required

Minimum Distributions (RMDs). This flexibility allows you to use your funds however

you see fit throughout the guarantee period.

Guaranteed income stream

Using the annuitization feature, you can convert your Contract Value into a

guaranteed income stream to help ensure steady, reliable payments for a

specified period—or even life.

Legacy beneﬁt

Allow your remaining funds to pass to beneficiaries. This legacy benefit can provide

financial security to loved ones and preserve wealth across generations.

Page 2 of 8

Accelerate your savings

with EverStead

MYGA.

* Rates are subject to change on renewal but will not be less than the minimum speciﬁed in your

contract. GOP may not extend beyond Maturity Date. If the elected GOP is no longer available, or

ends after the Maturity Date, the contract will renew into the longest GOP currently available that does

not extend beyond the Maturity Date.

1. Choose your premium amount.

3. Watch your contract earn interest.

2. Determine your GOP duration.

4. Make end-of-term decisions.*

$25,000 minimum with a maximum of $2 million

(without prior company approval).

Enjoy tax deferred compound interest on your premium

and earnings.

Select between GOP durations from 2 through 10 years.

Automatically renew into the same GOP, choose a

different GOP or make a full or partial withdrawal without

Withdrawal Charges and Market Value Adjustment (MVA)

during the first 30 days of a subsequent GOP.

Page 3 of 8

Flexible access to your funds

Free Withdrawal Amount

Withdrawal Charge Schedule

Nursing Home or Hospital Conﬁnement and Terminal Illness Waivers

Nursing Home or Hospital Conﬁnement Waiver Terminal Illness Waiver

Ten percent (10%) of the Contract Value is available annually as a Free Withdrawal Amount. The Free

Withdrawal Amount is based on the Contract Value at the beginning of the most recent Contract Year.

RMDs may be taken without Withdrawal Charges or MVA. RMDs are considered part of the allowed Free

Withdrawal Amount.

Systematic withdrawals are available based on a specified percentage, dollar amount or interest only on a

monthly, quarterly, annual or semiannual basis.

A Withdrawal Charge will be assessed against withdrawals in excess of the allowed Free Withdrawal

Amount. The schedule below shows the applicable percentage for each year within a GOP.

Withdrawals and surrender may be subject to federal and state income tax and, except under certain

circumstances, will be subject to an IRS penalty if taken prior to age 59 1/2.

These waivers allow Contract Owners to access their funds without Withdrawal Charges or MVA if they are

diagnosed with a terminal illness or confined to a Nursing Home or Hospital.

• Eligibility begins after the first Contract Anniversary

for Owner or Joint Owner.

• Contract Owner must be confined to a qualified

Nursing Home or Hospital for 90 consecutive

days, starting after the Contract Issue Date.

• Eligibility begins after the first Contract

Anniversary for Owner or Joint Owner.

• Diagnosis must have occurred after the Contract

Issue Date.

• Diagnosis must be made by a certified physician

that death will occur in 12 months or less

following the physician’s statement.

GOP

2-year

3-year

4-year

5-year

6-year

7-year

8-year

9-year

10-year

GOP year

9.00%

8.00%

5 6 7

1.00%

0.50%

2.00%

- - - -

7.00%

6.00%

- -

9.00%

8.00% -5.00% - -

3.00%

5.00% 4.00%

Page 4 of 8

Key product features

Issue Ages

0–85 for all GOPs

Ownership

• Qualified: IRAs and Roth IRAs are accepted. Owner and Annuitant must be the same individual.

• Non-qualified: Non-qualified, Non-qualified stretches and Non-natural ownership are accepted. Joint

Ownership allowed.

Market Value Adjustment (MVA)

MVA may apply to any withdrawals in excess of the allowed Free Withdrawal Amount. The MVA is applied

after Withdrawal Charges are deducted. The MVA may increase or decrease the amount of the withdrawal

or the Surrender Value of your contract depending on the change in the reference rate index yields.

Generally, if market interest rates are higher than when you purchased your annuity, the MVA will be

negative. If interest rates are lower, the MVA will be positive. If the blended reference rate yields have not

changed by more than 0.25%, no MVA will apply.

MVA Reference Indices

• 30% JPM CLOIE Index A, plus:

• 70% of either:

• 1-3 Year Bloomberg Barclays U.S. Corporate Index (2-year and 3-year GOP)

• 3-5 Year Bloomberg Barclays U.S. Corporate Index (4-year and 5-year GOP)

• Bloomberg Barclays US Corporate Index (6-year to 10-year GOP)

Annuitization

After the first Contract Year, the full Contract Value may be annuitized under any of the available annuity

options (Life Income, Joint and Survivor Income, Life Income with Cash Refund, and Life Income with

Payments Guaranteed for 10 or 20 years).

Free Look Period: (aka Notice of Right to Examine Contract)

The contract may be returned to Talcott within the Free Look Period and receive a full refund of premium, minus

any withdrawals taken. Additional details can be found within the contract pages.

Death Beneﬁt

Upon death, the greater of the Contract Value or Minimum Value will be paid to the beneficiary. The Death

Benefit is free of Withdrawal Charges and MVA.

Page 5 of 8

Talcott Resolution Life and Annuity Insurance Company (NAIC #71153), headquartered in

Hartford, Connecticut, and issuing annuities in 49 states and Washington, D.C. (excluding

New York), is not providing investment advice for any specific individual or situation.

Therefore, nothing in this material should be considered as investment advice or interpreted

as a recommendation by Talcott Resolution Life and Annuity Insurance Company or any other

Talcott company. Neither Talcott nor its representatives offer legal or tax advice. It is

recommended that you get advice from your own legal counsel or tax advisor regarding any

tax matters.

EverStead

MYGA is a single premium fixed deferred multi-year guaranteed annuity (MYGA)

underwritten by Talcott Life and Annuity Insurance Company under form number series

ICC25_FDA100. Annuity features and availability may vary state by state. Annuity guarantees

are based on the financial strength and claims paying ability of the issuing insurance

company.

The term financial professional does not imply involvement in an advisory role with

compensation separate from sales. Financial professionals will receive a commission for

selling a Talcott annuity. All copyrights reserved.

No part of this document may be reproduced, published, or used without permission of Talcott

Financial Group. All information is current as of June 30, 2025 unless otherwise indicated. The

information provided herein is not, and should not be construed as, an advertisement,

solicitation or offer to purchase this product in the state of Oregon.

Talcott Financial Group and its subsidiaries include Talcott Resolution and Talcott Re. Talcott

Re is Talcott Re Holdings, Ltd. and its subsidiaries. 30 Woodbourne Avenue, 3rd floor,

Pembroke, Bermuda. Talcott Resolution and its subsidiaries include Talcott Resolution

Distribution Company, Inc. and issuing companies Talcott Resolution Life Insurance Company

and Talcott Resolution Life and Annuity Insurance Company located at One American Row,

Hartford, CT. Products administered by Talcott Resolution include variable annuities, fixed

indexed annuities, fixed and payout annuities, and private placement life insurance. Securities

underwritten and distributed by Talcott Resolution Distribution Company, Inc. One American

Row, Hartford CT. Phone: 1-800-406-5084.

DISCLOSURES

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED

BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION

OF, OR GUARANTEED BY, THE BANK OR ANY OF ITS AFFILIATES • SUBJECT TO

INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT

INVESTED

The JPMorgan CLOIE A Index (“JPMorgan Index”) has been licensed to Talcott Resolution

Life and Annuity Insurance Company (the “Licensee”) for the Licensee’s benefit. Neither the

Licensee nor the financial products named herein (the “Products”) are sponsored, operated,

endorsed, recommended, sold or promoted by J.P. Morgan Securities LLC (“JPMS”) or any of

its affiliates (together and individually, “JPMorgan”). J.P. Morgan is not responsible for, nor has

it participated in, any aspect of the structuring of any attribute of the Products, the

determination of the timing of the offering of the Products, the pricing of the Products, or in the

manner of operation of the Products. J.P. Morgan has no obligation or liability in connection

with the administration, marketing or trading of the Products. JPMorgan makes no

representation and gives no warranty, express or implied, to contract owners in or those

otherwise taking exposure to the Product. Such persons should seek appropriate professional

advice before making any investment. The JPMorgan Index has been designed and is

compiled, calculated, maintained and sponsored by JPMS without regard to the Licensee, the

Product or any contract owner. JPMorgan is under no obligation to continue compiling,

calculating, maintaining or sponsoring the JPMorgan Index. JPMorgan may independently

issue or sponsor other indices or products that are similar to and may compete with the

JPMorgan Index and the Product. Without limiting any of the foregoing, in no event shall J.P.

Morgan have any liability for any direct, indirect, special, punitive, consequential or any other

damages (including lost profits) to any person, including but not limited to, for any statements

contained in any offering document or any other materials used to describe the JPMorgan

Index and/or the Products, any error in the pricing or otherwise, of the JPMorgan Index and/or

the Products and J.P. Morgan shall not be under any obligation to advise any person of any

error therein. Information has been obtained from sources believed to be reliable, but J.P.

Morgan does not warrant its completeness or accuracy. The Index is used with permission.

The Index may not be copied, used, or distributed without J.P. Morgan’s prior written approval.

“BLOOMBERG

” and the Bloomberg indices listed herein (the “Indices”) are service marks of

Bloomberg Finance L.P. and its affiliates, including Bloomberg Index Services Limited (

“BISL”), the administrator of the Indices (collectively, “Bloomberg”) and have been licensed for

use for certain purposes by the distributor hereof (the “Licensee”). Bloomberg is not affiliated

with Licensee, and Bloomberg does not approve, endorse, review, or recommend the financial

products named herein (the “Products”). Bloomberg does not guarantee the timeliness,

accuracy, or completeness of any data or information relating to the Products.

DISCLOSURES

EverStead

MYGA

For guaranteed growth on your terms