Talcott Resolution
Subsidiary of Talcott Financial Group, Ltd. (acquired by Sixth Street in 2021)
talcott.comWhat to do when a Talcott Resolution account holder dies
Report the death to Talcott Resolution at 1-800-243-5433
A death claim on a Talcott Resolution policy is filed through Talcott Resolution (1-800-243-5433). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
The claim process begins with a phone call to 1-800-243-5433. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Death claim process
To file a claim after an account holder's death, here is what Talcott Resolution requires:
Filing a claim
- Life insurance issued by the Talcott companies, Union Security or John Alden Life: serviced by Prudential through Policy Services
- Talcott Resolution or Union Securities annuity purchased prior to 2024: the Annuity Service Center
- EverGuard Assurance 10, EverGuard Aspire or EverStead MYGA: the Talcott Retail Service Center
- Guardian annuity contract: Talcott Resolution Life Insurance Company, as administrator for the Guardian contract
- Structured settlements and pensions, and Pathways: their own phone lines
- Group benefits and Group Retiree Health: serviced by The Hartford
- Abbey Life Insurance Company of Canada policies: email abbeylife@talcottresolution.com
- Life insurance: 1-800-243-5433 (traditional) or 1-800-231-5453 (variable), Monday to Friday, 8:30 AM to 7:00 PM ET
- Annuity purchased prior to 2024: 1-800-862-6668 (inforce) or 1-877-372-2935 (annuitized), Monday to Thursday 8:00 AM to 6:00 PM ET, Friday 8:00 AM to 5:00 PM ET
- EverGuard or EverStead: 1-855-342-5834, Monday to Friday, 8:30 AM to 5:30 PM ET
- Guardian annuity contract: 1-800-830-4147, Monday to Thursday 8:00 AM to 6:00 PM, Friday 8:00 AM to 5:00 PM Eastern
- Structured settlements and pensions: 1-800-678-2282, Monday to Thursday 8:00 AM to 6:00 PM ET, Friday 8:00 AM to 5:00 PM ET
- Pathways: 1-844-863-4055, Monday to Friday, 8:00 AM to 6:00 PM ET
- Life Claims, PO Box 4360, Clinton, IA 52733-4360
- Fax: 844-475-7019
- Fax: 1-860-380-3280
- Standard mail: Talcott Resolution - Annuity Service Operations, P.O. Box 14293, Lexington, KY 40512-4293
- Express mail with tracking: Talcott Resolution - Annuity Service Operations, 6716 Grade Ln., Building 9, Suite 910, Louisville, KY 40213
- Fax: 1-877-720-6148
- Standard mail: Talcott Resolution - Annuity Service Operations, P.O. Box 5051, Hartford, CT 06102-5051
- Express mail with tracking: Talcott Resolution - Annuity Service Operations, 1 American Row, Hartford, CT 06103
- First class mail: Talcott Financial Group - Retail Service Operations, P.O. Box 14027, Lexington, KY 40512
- Express mail (overnight): Talcott Financial Group - Retail Service Operations, 6716 Grade Ln, Building 9, Suite 910, Louisville, KY 40213
Required Documents
- Certified death certificate or other legal document acceptable to Talcott, for a legacy variable annuity death benefit
- Letters Testamentary or Letters of Administration, if an executor signs an annuity claim formThe forms say all named executors sign unless the letters say otherwise.
- Talcott Resolution Trustee Certification form (CU-1018), if trustees sign an annuity claim formAll trustees sign unless the certification says otherwise.
- Complete copy of the most recent power of attorney, if an attorney-in-fact signs for a beneficiaryThe attorney-in-fact's signature is notarized.
- Court order and letters of guardianship or conservatorship, if a guardian or conservator signsThe guardian's or conservator's signature is notarized.
- Copy of a voided check, for payment by EFT on the annuitized-contract claimant statementIf a voided check is not available, a letter of instruction from the bank on its letterhead.
- IRS Form W-8, if the beneficiary is a nonresident alien or a foreign entity
Forms Talcott Resolution issues6
- Claimant Statement for Annuitized Contracts (DB-1003)
Completed by each beneficiary. Available to download.1
- Lump Sum Payment Request for Annuity Contracts (DB-IA-1002)
Completed by each beneficiary. Available to download.2
- Continuation of Payments Request for Annuity Contracts - Annuitized Contracts (DB-1001)
Completed by each beneficiary. Available to download.3
- Decedent Information Form for Annuity Contracts (DB-1011)
Available to download.4
- One-and-the-Same Trust / Hold Harmless (DB-IA-1005)
Completed by a trustee. Available to download.5
- Trustee Certification (CU-1018)
Available to download.6
What happens to each kind of account1
- Annuity
For a legacy variable annuity, the death benefit is calculated when Talcott receives a certified death certificate or other legal document acceptable to it, and it stays invested until each beneficiary sends complete settlement instructions.7
On an annuitized contract, each beneficiary submits a claimant statement and chooses a lump sum or continued payments "at the amount and frequency determined by the deceased."1
Accounts handled elsewhere2
- Prudential Insurance Company of America (Policy Services)
Life insurance issued by Talcott Resolution, Hartford Life and Accident, John Alden Life and Union Security8
Phone: 1-800-243-5433
Fax: 1-844-475-7019
Hours: Monday-Friday 7:30 AM-6:00 PM CT
Mailing address: Life Claims, PO Box 4360, Clinton, IA 52733-4360
- The Hartford
Group benefit products and Group Retiree Health coverage issued by Talcott Resolution Life Insurance Company9
What Talcott Resolution's agreement and guidance say2
- How proceeds are paid
For a legacy variable annuity death benefit of $5,000 or more, a beneficiary may choose the "Talcott Resolution Pathways Program": the proceeds stay in Talcott's general account and the beneficiary receives a draft book.7
On the annuitized-contract claimant statement, a check goes by regular mail to the address on the form unless EFT is chosen. The form says to allow 7-10 business days for a mailed check and 2-3 business days for EFT.1
- Payment to a minor or incapacitated beneficiary
For minors and UGMA/UTMA accounts, the annuity claim forms say to "contact one of our Annuity Specialists for appropriate signature requirements."1
Not in Talcott Resolution's published guidance2
- Life insurance claim form to download
- Claim instructions for EverGuard and EverStead
Sources9
- 1.Claimant Statement for Annuitized Contracts, DB-1003-0326
- 2.Lump Sum Payment Request for Annuity Contracts, DB-IA-1002-0325
- 3.Continuation of Payments Request for Annuity Contracts - Annuitized Contracts, DB-1001-0326 Annuitized
- 4.Decedent Information Form for Annuity Contracts, DB-1011-0326
- 5.One-and-the-Same Trust / Hold Harmless, DB-IA-1005-0325
- 6.Forms Online (IPS Forms Application)
- 7.Putnam Capital Manager V prospectus (HV-5682), May 1, 2020
- 8.Policy Services
- 9.Contact
Legacy variable annuity lump sum: "payment will be made within seven days of Our receipt of complete instructions," unless deferral is permitted.
Frequently asked questions
Because Talcott life policies are serviced by Prudential. Talcott's contact page states that life insurance is "Serviced by Prudential and issued by Talcott Resolution Life and Annuity Insurance Company, Talcott Resolution Life Insurance Company, Union Security Insurance Company, and John Alden Life Insurance Company." The Policy Services site (policyowner-services.com) is maintained on behalf of the Prudential Insurance Company of America as administrator, and lists a Life Claims mailing address of PO Box 4360, Clinton, IA 52733-4360. The life lines are 1-800-243-5433 for traditional life and 1-800-231-5453 for variable life. Group benefit and Group Retiree Health coverage is issued by Talcott Resolution Life Insurance Company but serviced by The Hartford.
There is no single Talcott claims line. The number depends on the product, and for annuities also on when the contract was bought. Life insurance: 1-800-243-5433 (traditional) or 1-800-231-5453 (variable). Talcott Resolution or Union Security annuity purchased prior to 2024: 1-800-862-6668, or 1-877-372-2935 if the contract is annuitized. EverGuard or EverStead contract: the Talcott Retail Service Center at 1-855-342-5834, which uses its own P.O. Box (14027 rather than 14293, both Lexington, KY 40512). Structured settlements and pensions: 1-800-678-2282. Pathways: 1-844-863-4055. Abbey Life: abbeylife@talcottresolution.com.
Talcott Resolution can be reached by phone at 1-800-243-5433 for questions throughout the claims process.
Sources
- talcott.com
- annuities.cognisurance.com
- policyowner-services.com
- annuities1.cognisurance.com
- forms.talcottresolution.com
- vpx.broadridge.com
Data sourced from Talcott Resolution primary sources (23 pages reviewed). How we research.
Talcott Resolution death claims support
Phone
Toll-free
Life insurance claims (Prudential Policy Services) (life insurance serviced by Prudential)
Life insurance, traditional (serviced by Prudential)
Life insurance, variable (serviced by Prudential)
Policy Services fax (Prudential)
Annuity Service Operations fax (annuity forms)
Legacy annuity purchased prior to 2024 (inforce)
Legacy annuity (annuitized)
EverGuard/EverStead (Talcott Retail Service Center)
Structured settlements & pensions
Pathways
Hours
Mailing address
Website
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