Talcott Resolution Life and Annuity Insurance Company ("Talcott")
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© 2025 Talcott Financial Group, Ltd.
Talcott refers to Talcott Financial Group, Ltd.
All rights reserved.
If you purchased an annuity prior to 2024 issued by Talcott Resolution Life Insurance Company, Talcott Resolution Life and Annuity Insurance Company, Union Security Insurance Company, or Union Security Life Insurance Company of New York, you may access the Annuity Resource Center with detailed information regarding your annuity contract through a link on the Talcott homepage (www.talcott.com).
Annuities issued by 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. Nothing in this material should be considered investment advice or interpreted as a recommendation by Talcott Resolution Life and Annuity Insurance Company or any other Talcott company.
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 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.
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 following is applicable for Talcott's Fixed Indexed Annuities.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”). The S&P 500® Engle 15% VT TCA Index is a product of SPDJI and incorporates methodology licensed from UBSAG (“UBS”) and has been licensed for use by Talcott Resolution Life and Annuity Insurance Company (“Talcott”). S&P®, S&P 500®, SPX®, SPY®, US 500™, The 500™, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); Engle is a trademark of Engle Volatility Consulting LLC (“Engle Consulting”), the research principal of which is Robert F. Engle (“Engle”), and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Talcott Resolution Life and Annuity Insurance Company (“Talcott”). Talcott’s EverGuardSM Fixed Index Annuities based on the Indices are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, Engle Consulting, Engle, or UBS and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.
BofA Securities, Inc. and its Affiliates (“BofAS”), Invesco BofA QQQ Balanced FC Index (the “Index”) and related information, the name “BofAS”, and related trademarks, are intellectual property of BofAS, licensed from BofAS to Talcott Resolution Life and Annuity Insurance Company (“Licensee”). In connection with the Index, BofAS has licensed the use of certain marks and data from Invesco Capital Management LLC (collectively with BofAS, the “Licensors”). Neither the Licensee nor any annuity product, including fixed index annuities (collectively, the “Products”) referencing the Index is sponsored, operated, endorsed, sold or promoted by the Licensors. Obligations to make payments under any Product are solely the obligation of Licensee pursuant to the term of the contract between Licensee and you, and are not the responsibility of the Licensors. The Licensors, the Index and related information, the names of the Licensors, and related trademarks may not be copied, used, or distributed without the relevant Licensor’s prior written approval. The Products have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by the Licensors. The Licensor’s only relationship to Licensee is the licensing (or sub-licensing) of certain trademarks and trade names and the Index or components thereof and neither the Licensors nor any of their affiliates are a party to any transaction contemplated herein. The Index applies a volatility target, and, while volatility controls may result in less fluctuation in rates of return as compared to indices without volatility controls, they may also reduce the overall rate of return as compared to products not subject to volatility controls. The Index embeds certain transaction costs and the components of the Index embed additional transaction costs, in each case, that are taken into account in the calculations of the change in Index value, which will reduce any returns of the Index. THE LICENSORS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE INDEX, ANY RELATED INFORMATION, THE TRADEMARKS, OR THE PRODUCT(S)(INCLUDING WITHOUT LIMITATION, THEIR QUALITY, ACCURACY, SUITABILITY AND/OR COMPLETENESS).
Invesco and all associated marks are service marks of Invesco Holding Company Limited, used under license. Invesco QQQ TrustSM series 1 (“Invesco ETF(s)”) is sponsored by Invesco Capital Management LLC (“Licensor”), and the use of the Invesco ETF(s) in the offering by Talcott Resolution Life and Annuity Insurance Company of certain fixed index annuity products (each, a “Product” and collectively, the “Products”) is authorized pursuant to a license with Licensor. The trademarks are intellectual property licensed from Licensor, and may not be copied, used, or distributed without Licensor’s prior written approval. Licensor makes no express or implied warranties, and hereby expressly disclaims all warranties of merchantability or fitness for a particular purpose with respect to the use of the Invesco ETFs or any data or other information related thereto in connection with the rights licensed hereunder or for any other use. Without limiting any of the foregoing, in no event shall Licensor have any liability for any special, punitive, indirect, or consequential damages (including lost profits), even if notified of the possibility of such damages.
Nasdaq®, Nasdaq-100® and QQQ® are registered trademarks of NASDAQ, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed and/or sublicensed for use by Invesco Capital Management LLC, BofA Securities, Inc. and its affiliates, and Talcott Resolution Life and Annuity Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
The EverGuardSM Fixed Indexed Annuities (the “Products”) are not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. or any of its affiliates (including Goldman Sachs Asset Management, L.P.), with the exception of any endorsement, sales, distribution or promotion of these Products that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”) or its third-party data providers. Goldman Sachs and its third-party data providers make no representation or warranty, express or implied, regarding the advisability of investing in annuities generally or in Fixed Indexed Annuities or the investment strategy underlying such Products particularly, the ability of the Products (the “Index”) to perform as intended, the merit (if any) of obtaining exposure to the Index or the suitability of purchasing or holding interests in the Products. Goldman Sachs and its third-party data providers do not have any obligation to take the needs of the holders of the Products into consideration in determining, composing or calculating the Index.
GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THE PRODUCTS. GOLDMAN SACHS HEREBY EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN OR IN THE CALCULATION THEREOF. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
THIRD PARTY DATA IS USED UNDER LICENSE AS A SOURCE OF INFORMATION FOR THE INDEX. THIRD PARTY PROVIDER HAS NO OTHER CONNECTION TO GOLDMAN SACHS INDEXES AND SERVICES AND DOES NOT SPONSOR, ENDORSE, RECOMMEND OR PROMOTE ANY GOLDMAN SACHS INDEX OR SERVICES. THIRD PARTY PROVIDER HAS NO OBLIGATION OR LIABILITY IN CONNECTION WITH THE GOLDMAN SACHS INDEX AND SERVICES. THIRD PARTY PROVIDER DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF ANY MARKET DATA LICENSED TO GOLDMAN SACHS AND SHALL NOT HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN THIRD PARTY PROVIDER AND GOLDMAN SACHS.
“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.
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.
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