How to name beneficiaries and fund a trust at Talcott Resolution
Covers 11 insurance accounts — beneficiaries can be managed online
Talcott Resolution
Subsidiary of Talcott Financial Group, Ltd. (partnered with Sixth Street; acquired 2021)
talcott.com→
Customer Service
Talcott Resolution, P.O. Box 14293, Lexington, KY 40512
Customer Service
Talcott Resolution, P.O. Box 14293, Lexington, KY 40512
Claims (routed by product -- no single claims line)
Legacy annuity (purchased before 2024): Talcott Resolution - Annuity Service Operations, P.O. Box 14293, Lexington, KY 40512. EverGuard/EverStead: Talcott Financial Group - Retail Service Operations, P.O. Box 14027, Lexington, KY 40512. Express/overnight for both: 6716 Grade Ln, Building 9, Suite 910, Louisville, KY 40213. Structured settlements and pensions: One American Row, Hartford, CT 06103
For Talcott Resolution policyholders, estate planning comes down to one critical step: making sure the right beneficiaries are named on every policy. Insurance proceeds bypass probate entirely and go directly to whoever is listed—regardless of what a will says. When estate tax planning or controlled distributions are a factor, a trust can be named as beneficiary instead.
Talcott Resolution has 11 product types, and the estate transfer rules differ across them. Some support beneficiary designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
- ANNUITY purchased BEFORE 2024 (Talcott Resolution, Hartford legacy, or Union Securities): the Annuity Service Center at https://annuities.talcottresolution.com/ (redirects to annuities.cognisurance.com/asc/Login.jsf)
- EverGuard Assurance 10, EverGuard Aspire, or EverStead MYGA (2026 products): the client portal at https://client.talcott.com/startsso
- LIFE INSURANCE: the Policy Services account at https://www.policyowner-services.com/ -- life policies are serviced by Prudential, not by Talcott directly
- Forms are behind a login at https://forms.talcottresolution.com/ (redirects to forms.cognisurance.com, the IPS Forms application) -- there is no public PDF, so call if you cannot sign in
- Complete the form with primary and contingent beneficiary information
- For trusts: provide the full legal trust name, the date of the trust, and trustee information
- Return the completed form by mail or fax (fax 860-380-3280)
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Talcott splits servicing by product and by purchase date. Annuities bought BEFORE 2024 (including Hartford legacy and Union Securities contracts) go to the Annuity Service Center at 1-800-862-6668; EverGuard and EverStead contracts go to the Talcott Retail Service Center at 1-855-342-5834; life insurance goes to Prudential at 1-800-243-5433 (traditional) or 1-800-231-5453 (variable). The two annuity groups even use different P.O. boxes
- Forms are behind a login. forms.talcottresolution.com redirects to the forms.cognisurance.com IPS Forms application; no beneficiary form is published as a public PDF, so call the line for your product if you cannot sign in
- When a non-natural owner (trust, corporation) owns an annuity, the non-natural owner is required to be the beneficiary
- Custodian-owned annuities require beneficiary changes through the custodian, not Talcott Resolution
- Once a legacy annuity has been ANNUITIZED it is serviced on a separate line (1-877-372-2935) and the payout follows the settlement option elected -- confirm whether a beneficiary change is still permitted on your contract
- Group benefit and Group Retiree Health coverage is serviced by The Hartford, not Talcott -- use the group benefits links on https://talcott.com/contact/
- Abbey Life Insurance Company of Canada policyholders and beneficiaries use a dedicated channel: abbeylife@talcottresolution.com
- Changes are effective on the date Talcott Resolution deems the request in good order
Sources
- talcott.com
- annuities.cognisurance.com
- annuities.talcottresolution.com
- client.talcott.com
- forms.cognisurance.com
- forms.talcottresolution.com
- policyowner-services.com
Data sourced from Talcott Resolution primary sources (16 pages reviewed). How we research.
Download these Talcott Resolution instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Talcott Resolution primary sources. Bring it to the branch or keep it beside the phone.
Talcott Resolution
Subsidiary of Talcott Financial Group, Ltd. (partnered with Sixth Street; acquired 2021)
talcott.com→Customer Service
Talcott Resolution, P.O. Box 14293, Lexington, KY 40512
Customer Service
Talcott Resolution, P.O. Box 14293, Lexington, KY 40512
Claims (routed by product -- no single claims line)
Legacy annuity (purchased before 2024): Talcott Resolution - Annuity Service Operations, P.O. Box 14293, Lexington, KY 40512. EverGuard/EverStead: Talcott Financial Group - Retail Service Operations, P.O. Box 14027, Lexington, KY 40512. Express/overnight for both: 6716 Grade Ln, Building 9, Suite 910, Louisville, KY 40213. Structured settlements and pensions: One American Row, Hartford, CT 06103
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