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Talcott Resolution Life and Annuity Insurance Company Talcott EverSteadSM MYGA Single Premium Fixed Deferred Multi Year Guaranteed Annuity MYGA Envision a future that s secured with growth that s guaranteed Take advantage of the stability of xed interest rates exible term options and the security of principal protection With EverSteadSM MYGA you can add steady guaranteed growth to your retirement journey 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 de nitions of key terms please refer to the Certi cate of Disclosure speci c to the product 8365118 5 FORM PRB_8365118 5 Ver 10 1 2025
About With 126 billion1 in assets under management AUM a legacy of nancial stability spanning more than 100 years and a commitment to creating lasting value and peace of mind Talcott Financial Group provides exible innovative solutions designed to drive results that matter Leveraging the strength of our U S insurance operations and global reinsurance platform our team delivers tailored insurance products tools and services with speed precision and reliability And through our partnership with Sixth Street a leading global investment firm with over 115 billion in AUM our expansion into retail distribution products developed with our customers in mind is a natural progression We do this work at scale and with confidence empowering our stakeholders to turn the future they ve always envisioned into the reality they can rely on Decades of annuity design With a 50 year history of pioneering powerful annuity products we continually work to innovate so clients can consistently thrive through retirement Proven leadership team Our team is long tenured and deep with a track record of proven performance to match Armed with knowledge and creative at the core they bring the expertise required to elevate everyday opportunities into extraordinary outcomes By the numbers 126 Billion in AUM1 Commitment to our customers Underlining a commitment to helping our customers and policyholders succeed our retail distribution operations are located domestically giving us an edge in providing responsive premium service day in day out Risk management discipline Fortified by the management of multiple market cycles our risk platform offers robust and sophisticated scenario analysis capabilities supporting decision making and maintaining a prudent risk profile for the enterprise across a wide range of scenarios Century of experience We draw on 100 plus years of experience and an unwavering focus on service to deliver enduring value solution after solution customer after customer time after time 4 Billion in regulatory capital1 1 2 Million contracts2 Reference nancial statements available via talcott com 2 Represents estimated number of covered lives under policies either issued administered and or reinsured by Talcott Financial Group 1 Page 2 of 8
Talcott with more than a century of stability and strength is positioned to deliver value security and dependability to our clients which is re ected in our nancial strength ratings A M Best Fitch Moody s Standard Poor s A Stable A Stable Baa1 BBB December 12 2024 October 30 2024 August 14 2025 October 8 2024 Positive Stable The nancial strength ratings apply to the individual nancial strength of Talcott Resolution Life and Annuity Insurance Company A M Best Fitch Moody s and Standard Poor s credit ratings re ect their assessment of the relative ability of an insurer to meet its ongoing insurance policy and contract obligations A M Best rating as of December 12 2024 A 4th highest of 16 Fitch rating as of October 30 2024 A 7th highest of 22 Moody s rating as of August 14 2025 Baa1 8th highest of 21 and Standard Poor s rating as of October 8 2024 BBB 8th highest of 22 Visit our website to learn more about Talcott our solutions and our commitment to your success All information is current as of June 30 2025 unless otherwise indicated Page 3 of 8
Your future to protect Your duration to pick Your growth guaranteed EverSteadSM MYGA is available in Guaranteed Option Periods GOPs from 2 through 10 years Reach for the power of this secure and exible solution Guaranteed growth with competitive xed 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 bene t Allow your remaining funds to pass to beneficiaries This legacy benefit can provide financial security to loved ones and preserve wealth across generations Page 4 of 8
Accelerate your savings with EverSteadSM MYGA 1 Choose your premium amount 25 000 minimum with a maximum of 2 million without prior company approval 2 Determine your GOP duration Select between GOP durations from 2 through 10 years 3 Watch your contract earn interest Enjoy tax deferred compound interest on your premium and earnings 4 Make end of term decisions 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 Rates are subject to change on renewal but will not be less than the minimum speci ed 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 Page 5 of 8
Flexible access to your funds Free Withdrawal Amount 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 Nursing Home or Hospital Con nement and Terminal Illness Waivers 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 Nursing Home or Hospital Con nement Waiver Terminal Illness Waiver Eligibility begins after the first Contract Anniversary for Owner or Joint Owner 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 Contract Owner must be confined to a qualified Nursing Home or Hospital for 90 consecutive days starting after the Contract Issue Date Withdrawal Charge Schedule 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 GOP 2 year 3 year 4 year 5 year 6 year 7 year 8 year 9 year 10 year GOP year 1 9 00 9 00 9 00 9 00 9 00 9 00 9 00 9 00 9 00 2 8 00 8 00 8 00 8 00 8 00 8 00 8 00 8 00 8 00 3 7 00 7 00 7 00 7 00 7 00 7 00 7 00 7 00 4 6 00 6 00 6 00 6 00 6 00 6 00 6 00 5 5 00 5 00 5 00 5 00 5 00 5 00 6 4 00 4 00 4 00 4 00 4 00 7 3 00 3 00 3 00 3 00 8 2 00 2 00 2 00 9 1 00 1 00 10 0 50 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 Page 6 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 DISCLOSURES 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 Page 7 of 8
DISCLOSURES EverSteadSM 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 states of Idaho Mississippi Nevada North Dakota Oklahoma or 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 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 Copyright 2025 JPMorgan Chase Co All rights reserved 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 EverSteadSM MYGA For guaranteed growth on your terms 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
