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.
Return to top
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 update my email address?
A: Upon a success login there is a "Change Profile" option on the main navigation that can be used to change your User Name, Password, email address or phone number.
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 Name 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: 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: 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.
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.
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. 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.
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.
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.