EP
● Terminated
Earnings Protection Benefit
Talcott Resolution Life Insurance Company
DTCC ID
—
COMPANY
Talcott Resolution Life Insurance Company
TYPE
Variable Annuity
INCEPTION
—
Identity
Benefit name
Earnings Protection Benefit
Internal benefit name
Earnings Protection Benefit
Product policy type
Variable Annuity
Status
● Terminated
Sequence
3
Inception date
—
Closed date
—
DTCC Rider ID
—
Last modified
Nov 06, 2025
Life & Age
Based on life
Owner (or Annuitant if owner is a natural entity)
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Optional
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
Subsequent purchase payment will increase benefit base by dollar-for-dollar amount.
Partial withdrawals
Issuer will recalculate benefit base upon partial withdrawal.
Required min distributions
—
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue benefit after death of owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description
Available during accumulation phase. Upon death of owner, benefit will be greatest of -1) contract value, 2) net purchase payments and 3) greatest contract value on any contract anniversary prior to owner's 81st birthday. Issuer will add 40% of the contract gain (25% if owner's age is 69 or older) to any death benefit payable under contract. Contract gain is contract value reduced by purchase payments, surrenders and any applicable taxes. If total purchase payments adjusted for withdrawals exceed contract value no earnings benefit will be paid. Benefit can never be more than 200% of contract value at issue of benefit plus adjusted purchase payments made 12 months prior to death.
Lifecycle Events
Cancellation
Once elected may not be cancelled except in state PA, where may be cancelled within 10 days of issue.
Termination
Benefit will terminate upon election of Deferral Option.
Available when added
Contact Issuer for details.
Effect change ownership
Issuer will recalculate benefit amount upon change in ownership.