1099-R Documents
Customer Service
Investment Choice Information(Variable Contracts Only)
Internet Login
Payments (Variable Contracts Only)
Qualified Transfer or 1035 Exchange
Investment Choice Transfers (Variable Contracts Only)
Withdrawals
Q: Who is Talcott Resolution?
A:
The administrator of your Guardian annuity contract.
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Q: Where do I find information related to 1099-Rs?
Information related to 1099-R forms is provided in the 1099-R FAQs under the Notes Section on the Online Documents page.
Q: What transactions can I initiate over the phone and what needs to be initiated in writing?
On the phone:
In writing:
Q: How often will I receive information on my contract?
Variable Annuities:
Fixed Annuities:
Q: What investment choices are available in my contract?
A: Many investment choices are available to meet individual investment needs, ranging from conservative to aggressive. Please refer to your financial professional for help determining which investment choices are best for you.
Q: How do I get a PIN for VRU?
A: New policy owners will receive a letter assigning them a temporary PIN. Upon initial login the user will be prompted to change their pin. In the instance you forgot your PIN, Talcott Resolution requires that you contact the Annuity Customer Care Center, to receive a Temporary PIN. Your PIN is valid for the Client Access Line only.
Q: Can I change my PIN for VRU?
A: PIN changes can be made on the Client Access Line. Any changes made to the PIN will be effective immediately and will impact the Client Access Line only.
Q: How do I login to the website for the first time?
A: When signing on to access your individual annuity contract online you will need to establish a User ID and Password by going through a brief registration process. Information that is necessary to complete the registration includes Contract Number, Social Security number, Date of Birth, Email address, User ID, and Password.
Q: How do I reset my Password?
A: In order to reset your Password to gain access to your individual annuity contract online you will need to click on the link "Forgot password" from the login screen. You will need to provide the User ID and Email Address that was used during registration. A link will be emailed to the email address that you previously provided. You will need to click the link in order to reset your Password.
Q: Why does Talcott Resolution require me to setup a new User ID and Password even though I have been using the site before?
A: For your security and protection our website has been updated to require all users to setup a custom User ID.
Q: How do I change my User ID?
A: Upon a successful login there is a "Change Profile" option in the main navigation that can be used to change your User ID, Password or email address. For security reasons your User ID cannot match your Password.
Q: How do I setup a User ID if I have never used this site before?
A: New users will need to register by establishing a User ID and Password by clicking on the link labeled "Need to Register?". This will start the process of registering and setting up a User ID and Password.
Q: How do I update my email address?
A: Upon a successful login there is a "Change Profile" option on the main navigation that can be used to change your User Name, Password or email address.
Q: How come the system will not accept my new Password?
A: The system will not allow you to create a new Password that is the same as the previous old Password. Select a new Password that is different from your previous Password.
Q: Why do I get sent back to the Login screen while viewing my contract(s), when I have already entered my User ID and Password upon my initial log-in?
A: For security purposes, The Annuity Service Center site will return you to the login screen after 30 minutes of inactivity within your web browser.
Q: Why do I get sent back to the Login screen while viewing my contract(s), when I have already entered my User name and Password upon my initial log-in?
Q: How does Talcott Resolution protect my contract information over the Internet?
A: Talcott Resolution is dedicated to protecting your contract information on the Internet in a secure manner.
Talcott Resolution Life uses a "secure Internet session" through a protocol called SSL (Secure Socket Layer) to encrypt all information passed over the Internet. This includes all use of e-mail or access to the Annuity Service Center site.
This feature is supported by Netscape Navigator 7.0 and higher, and Microsoft's Internet Explorer 5.0 and higher. During a secure Internet session, your computer and The Annuity Service Center site are passing encrypted messages that only your computer and The Annuity Service Center site can understand.
A: The Talcott information security program employs a layered security approach, forming a defense in depth strategy to mitigate cyber security risks. Major components of the program include risk assessments, security assessments, security training, policies and standards, strong access controls (authentication/authorization/accountability), data classification & protections, network security, malware protections, 7*24 monitoring and threat response, and physical security. A dedicated Information Security team led by Talcott's Chief Information Security Officer is responsible for management of the program.
Q: How can I make additional payments to my contract?
A: Only Variable Annuities allow additional payments. Subsequent payments can be made by sending a check payable to Talcott Resolution Life. Please reference the contract number, owner and owner's social security number. The address can be found in the "Contact Us" portion of the Annuity Service Center site. Financial Profesionals from particpating firms may add money to an existing variable annuity online using the Additional Investment feature located on the "Manage Contract" page.
A:Subsequent payments can be made by sending a check payable to Talcott Resolution. Please reference the contract number, owner and owner's social security number. The address can be found in the "Contact Us" portion of the Annuity Service Center site.
Q: Can I 1035 Exchange (non-qualified) into an existing Talcott Resolution contract?
Q: Can I 1035 Exchange (non-qualified) into an existing contract?
A: No, Talcott Resolution Life requires that a new contract be established. Talcott Resolution Life requires:
A: No.
Q: Can I transfer a Qualified plan into an existing Qualified contract?
A: Yes, Talcott Resolution Life requires:
A: Yes, we require:
Q: Can I make a partial 1035 exchange?
A: Yes, you can request a transfer of a portion of the annuity contract's cash value directly to another annuity contract and the transfer can qualify for tax-free exchange treatment under Code Section 1035. However, a partial exchange followed by a surrender, withdrawal or other distribution from the new or old contract within 24 months might be considered a transaction entered into for tax avoidance purposes by the IRS. The tax section of your prospectus contains more information about the tax treatment of partial exchanges. We advise you to consult with a qualified tax adviser as to potential tax consequences before making a partial exchange.
Please refer to your contract and prospectus for more information regarding minimum contract values and other consequences associated with partial surrenders.
A:Yes, you can request a transfer of a portion of the annuity contract's cash value directly to another annuity contract and the transfer can qualify for tax-free exchange treatment under Code Section 1035. The IRS in Revenue Procedure 2011-38, indicated that a partial exchange made on or after October 24, 2011 will be treated as a tax-free exchange under Code Section 1035 if there is no distribution from or surrender of, either contract involved in the exchange within 180 days of such exchange. Amounts received as annuity payments for a period of at least 10 years on one or more lives will not be treated as distributions for this purpose. If a transfer does not meet the 180-day test, the IRS will apply general tax rules to determine the substance and treatment of the transfer. The tax section of your prospectus contains more information about the tax treatment of partial exchanges. We advise you to consult with a qualified tax adviser as to potential tax consequences before making a partial exchange.
Q: Is there a charge for moving money from one investment choice to another?
A: There is no charge for transferring between investment choices.
Q: How often can I transfer assets from one investment choice to another?
A: You may submit 20 Investment Choice transfers each Contract Year for each Contract by U.S. Mail, Client Access Line, Internet, telephone, or facsimile. Once these 20 Investment Choice transfers have been executed, you may submit any additional Investment Choice transfers only in writing by U.S. Mail or overnight delivery service. Transfer requests sent by same day mail or courier service will not be accepted. Requests made after the close of the New York Stock Exchange (NYSE) will receive the next business day's price. Also, please speak with your financial professional about our systematic transfer options, such as Dollar Cost Averaging and Dollar Cost Averaging Plus.
A:You may submit 20 Investment Choice transfers each Contract Year for each Contract by U.S. Mail, Client Access Line, Internet, telephone, or facsimile. Once these 20 Investment Choice transfers have been executed, you may submit any additional Investment Choice transfers only in writing by U.S. Mail or overnight delivery service. Transfer requests sent by same day mail or courier service will not be accepted. Requests made after the close of the New York Stock Exchange (NYSE) will receive the next business day's price. Also, please speak with your financial professional about our systematic transfer options, such as Dollar Cost Averaging.
Q: What if I login to the Internet to do a transfer before the close of the NYSE (New York Stock Exchange) and complete the transaction after the close of the NYSE?
A: A transfer will be priced at the time and date the transaction is submitted and acknowledged. For example, if a user logs onto The Annuity Service Center site and starts a transaction at 3:58 p.m. EST and the transactions is submitted and acknowledged at 4:05 p.m. EST, the transaction will be priced as of the next business day since the transaction was acknowledged after the NYSE closed.
Q: What is the annual withdrawal amount on my contract?
A: This is the amount that can be withdrawn from a Talcott Resolution annuity without the contingent deferred sales charge. This amount depends on the type of annuity you have: Fixed is 12 months PRIOR interest; non-cumulative. Variable is 10-15% (depending on version) of the gross premiums (minus withdrawals) since inception, per contract year.
A:The amount that can be withdrawn from your annuity without contingent deferred sales charges.
Q: How do I request a liquidation?
A: For those non-qualified contracts enrolled in the Teleredemption program, partial liquidation requests may be made over the phone. Otherwise, a letter of instruction or a completed withdrawal form (Fax copies are unacceptable) is required by Talcott Resolution Life and must include the following information:
A: For those non-qualified contracts enrolled in the Teleredemption program, partial liquidation requests may be made over the phone. Otherwise, a completed withdrawal form is received by Guardian and must include the following information:
**Taxable distributions (and certain deemed distributions) are subject to ordinary income tax and if made prior to age 59 1/2, may also be subject to a 10% federal income tax penalty. Early surrender charges may also apply.
Q: How long before I receive my requested funds?
A: The liquidation is valued on the day it is received in good order. A check is usually mailed on the third business day after receiving the request, however, under certain special circumstances, such as a national disaster, as approved by the US SEC we may postpone payment of surrender.