Talcott Resolution Life and Annuity Insurance Company: A Comprehensive Overview

Talcott Resolution Life and Annuity Insurance Company represents a significant chapter in the evolution of the American insurance landscape. Once the annuity division of a historic industry giant, it has transformed into an independent strategic partner for the insurance industry and, as of 2026, a renewed competitor in the retail annuity market.

From Hartford Heritage to Independent Powerhouse

The roots of Talcott Resolution lie deep within The Hartford Financial Services Group. For decades, the company operated as the life and annuity arm of The Hartford, issuing thousands of contracts to retirees across the United States. In a major strategic shift, The Hartford agreed to sell this business in 2017 to a consortium of investors to focus on its property and casualty lines. This sale closed in May 2018, marking the birth of Talcott Resolution as an independent company responsible for managing the existing block of annuity and life insurance policies.

The company's evolution continued in 2021 when it was acquired by Sixth Street, a leading global investment firm.This acquisition provided Talcott with a stable, long-term capital base to support its growth as a platform for risk transfer solutions. According to the official announcement, the acquisition by Sixth Street was designed to affirm Talcott's strategy as a consolidation platform for the U.S. life and annuity market.

Business Model: Stewardship and Innovation

For several years following its separation from The Hartford, Talcott Resolution primarily operated as a "runoff" insurer. This means its core focus was managing existing insurance contracts—ensuring policyholders received their payouts and service—without actively selling new products to the general public.

However, the company's trajectory shifted significantly in January 2026. Talcott Financial Group announced its official re-entry into the retail annuity market with the launch of three new fixed annuity products. This move signaled a transition from solely managing legacy liabilities to actively competing for new retirement assets, leveraging its risk management expertise and the capital backing of Sixth Street.

Financial Strength and Stability

For policyholders, the financial stability of an annuity provider is paramount. Talcott Resolution maintains investment-grade ratings, reflecting its ability to meet ongoing insurance obligations. As of late 2025 and early 2026, the company's financial strength ratings are as follows:

  • AM Best: Rated A- (Excellent), which indicates a strong ability to meet ongoing insurance obligations. You can view the specific rating details in AM Best's disclosure report.

  • S&P Global Ratings: Holds a BBB+ rating.In December 2025, S&P revised its outlook for the company to "Positive," citing disciplined execution of its growth strategy. This S&P research update highlights the potential for an upgrade if the company maintains its operating performance.

  • Fitch Ratings: Assigned an A- (Stable) rating.

  • Moody's: Assigned a Baa1 (Positive) rating.

These ratings are critical for both legacy policyholders and new customers, as they provide an independent assessment of the company's fiscal health.

Product Portfolio

Talcott Resolution's product offerings now fall into two distinct categories: legacy blocks and new retail solutions.

1. Legacy Holdings (Pre-2026)

The company continues to service a massive block of business originally issued by The Hartford. This includes:

  • Variable Annuities: Contracts that allow investment in sub-accounts similar to mutual funds.

  • Fixed Annuities: Contracts offering a set interest rate.

  • Private Placement Life Insurance: Specialized insurance products for high-net-worth individuals.

2. New Retail Products (Post-2026)

With its return to the market, Talcott introduced a suite of products designed for principal protection and guaranteed income. According to insurance industry news, these include:

  • EverStead MYGA: A Multi-Year Guaranteed Annuity offering a fixed interest rate for a specific term.

  • EverGuard Aspire Series: A fixed indexed annuity focused on accumulation with protection from market loss.

  • EverGuard Assurance: A fixed indexed annuity designed to provide a guaranteed income stream for retirement.

Policyholder Services and Contact Information

Talcott Resolution maintains dedicated service centers for its different business lines. It is crucial to contact the correct department based on when your policy was issued.

  • Legacy Policyholders (Policies issued by The Hartford/Union Securities):

    • Phone: 1-800-862-6668

    • Web: The Annuity Service Center allows users to view contract balances and download forms.

    • Mailing Address: P.O. Box 14293, Lexington, KY 40512.

  • New Retail Policyholders (EverGuard and EverStead products):

    • Phone: 1-855-342-5834 (1-855-DIAL-TFG)

    • Mailing Address: P.O. Box 14027, Lexington, KY 40512.

For general inquiries or privacy concerns, additional details can be found on the Talcott Financial Group contact page.