This prospectus describes information you should know about CRC Harvestor (the “Contract”), a fixed, single premium, deferred, modified guaranteed annuity offered to groups and individuals. The Contract is issued by Talcott Resolution Life Insurance Company (“Talcott Resolution,” “we,” “us,” “our”). Please read this prospectus carefully and retain it for future reference.

The Contract offers fixed interest investment options, which include Guarantee Periods of the Guaranteed Interest Account. Additional information about each investment option under the Contract is provided in an appendix to this prospectus. See "Appendix A – Investment Options Available Under the Contract."

The Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals (partial or full) could result in surrender charges, taxes, and tax penalties. In addition, withdrawing or otherwise removing amounts from a Guarantee Period prior to its expiration could result in a negative Market Value Adjustment (“MVA”). In extreme circumstances, you could lose up to 100% of the amount withdrawn or otherwise removed from a Guarantee Period due to a negative MVA.

All guarantees and obligations under the Contract are subject to the financial strength and claims-paying ability of Talcott Resolution.

This prospectus is filed with the Securities and Exchange Commission ("SEC"). Neither the SEC nor any state securities commission has approved or disapproved these securities or determined if the information in this prospectus is truthful or complete. Anyone who represents otherwise may be guilty of a criminal offense.

Additional information about certain investment products, including annuities, has been prepared by the SEC’s staff and is available at Investor.gov. This prospectus and the Statement of Additional Information (“SAI”) for the Contract can also be obtained free of charge from the SEC's website: (www.sec.gov).

This annuity IS NOT:

t   A bank deposit or obligation

t   Federally insured

t   Endorsed by any bank or governmental agency

This annuity may not have been available for sale in all states.

Pursuant to IRS Circular 230, you are hereby notified of the following: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor. This prospectus is not intended to provide tax, accounting or legal advice. Please consult with your tax accountant or attorney prior to finalizing or implementing any tax or legal strategy or for any tax, accounting or legal advice concerning your situation.

PROSPECTUS DATED: May 1, 2025

Table of Contents

Description			Page
Table of Contents			2
Definitions			3
Overview of the Contract			4
Information You Should Know About Your Contract			5
Fee Table			7
Principal Risks of Investment in the Contract			7
The Contract			8
A. Purchasing the Contract			8
B. Fixed Interest Investment Options			9
C. Transfers Between Investment Options			10
D. The Contract Value			11
E. Other Features			11
F. Charges, Fees, and Adjustments			11
G. Surrenders			13
H. Death Benefit			14
I. Annuity Payouts			16
J. Miscellaneous			18
1. Ownership			18
2. Assignment			18
3. Speculative Trading			18
4. Amendments to Contracts			18
5. State Variations			19
6. The Company			19
7. Investments by Talcott Resolution			19
8. Financial Statements			19
9. How Contracts Are Sold			19
10. Telephone Transfers			20
Legal Opinion			20
Cybersecurity and Disruptions of Business Operations			20
Federal Tax Considerations			21
Appendix A - Investment Options Available Under the Contract			APP A - 1

THIS PROSPECTUS DOES NOT CONSTITUTE AN OFFERING IN ANY JURISDICTION IN WHICH SUCH OFFERING MAY NOT LAWFULLY BE MADE. NO DEALER, SALES PERSON, OR OTHER PERSON IS AUTHORIZED TO GIVE ANY INFORMATION OR MAKE ANY REPRESENTATION IN CONNECTION WITH THIS OFFERING OTHER THAN THOSE CONTAINED IN THIS PROSPECTUS, AND, IF GIVEN OR MADE, SUCH OTHER INFORMATION OR REPRESENTATION MUST NOT BE RELIED ON.

Definitions

The following terms are capitalized throughout this prospectus.

Accumulation Period— The time after you purchase the Contract until we begin to make Annuity Payouts.

Administrative Office: Our overnight mailing address is Talcott Resolution - Annuity Service Operations, 6716 Grade Lane, Building 9, Louisville, KY 40213. Our standard mailing address is Talcott Resolution - Annuity Service Operations, PO Box 14293, Lexington, KY 40512-4293.

Annual Maintenance Fee - An annual $25 charge deducted on a Contract Anniversary.

Annuitant — The person on whose life this Contract is issued.

Annuity Commencement Date — The date we start to make Annuity Payouts.

Annuity Payouts — Annuity payments we make during the Annuity Period based on the selected Annuity Payout Option.

Annuity Payout Option — A payment option for Annuity Payouts.

Annuity Period— The time during which we make Annuity Payouts.

Beneficiary — The person(s) entitled to receive benefits pursuant to the Contract following the death of the Owner(s) or Annuitant, as applicable.

Business or Valuation Day — Any day the New York Stock Exchange is open. The Exchange generally closes at 4:00 p.m. Eastern Time but may close earlier on certain days and as conditions warrant.

Code— The Internal Revenue Code of 1986, as amended.

Contingent Annuitant — The person you may designate to become the Annuitant if the Annuitant dies prior to the Annuity Commencement Date.

Contract — The annuity contract and any endorsements or riders. The terms "Contract" and "annuity" are used synonymously throughout this prospectus.

Contract Anniversary — The annual anniversary of the date that a Contract is issued. If the Contract Anniversary Date falls on a non-Business Day, then the Contract Anniversary will be the preceding Business Day.

Contract Value — The sum of your Premium Payment and all interest earned minus any Full or Partial Surrenders (including applicable surrender charges, premium taxes and MVAs previously applied).

Contract Year — The twelve (12) month period between Contract Anniversaries, beginning on the date that the Contract is issued.

Death Benefit — The amount that we will pay upon the death of the Owner(s) or the Annuitant, as applicable.

Full Surrender — The full liquidation of your Contract upon which you will receive the Net Surrender Value.

Gross Surrender Value — The amount deducted from your Contract Value (including applicable Surrender Charges, Premium Taxes and MVA).

Guaranteed Interest Account or Account — During the initial Guarantee Period and any subsequent Guarantee Periods, the Contract Value is allocated to this account and earns interest that is guaranteed at a rate that we determine for such Guarantee Period duration as then offered by us. This account is not part of any separate account of Talcott Resolution. Instead, it is a notional account for purposes of tracking the values in your Contract.

Guarantee Rate — The annual interest rate declared for a Guarantee Period.

Guarantee Period — A fixed interest option under the Contract that guarantees the declared Guarantee Rate for the duration of the Guarantee Period.

Joint Annuitant — The person on whose life Annuity Payouts are based if the Annuitant dies after the Annuity Calculation Date. You may name a Joint Annuitant only if your Annuity Payout Option provides for a survivor. The Joint Annuitant may not be changed.

Market Value Adjustment (MVA) — A positive or negative adjustment that may apply when amounts are Surrendered, transferred, or annuitized from a Guarantee Period prior to its expiration.

Minimum Contract Value — The lowest Contract Value needed to sustain a Contract.

Net Surrender Value — The amount payable upon a Partial or Full Surrender or commutations after any applicable surrender charges, premium taxes and MVA have been applied.

Owner or you — The owner or holder of this Contract.

Partial Surrender — A partial withdrawal from your Contract Value.

Premium Payment — The single purchase payment you make under the Contract.

Surrender — Refers to both Full and Partial Surrenders.

Talcott Resolution, we, us or our — Talcott Resolution Life Insurance Company.

Overview of the Contract

Purpose of the Contract

The Contract is designed for retirement planning purposes. Prior to the Annuity Commencement Date, you invest your Premium Payment and any accumulated interest in the Contract’s investment options. The value of your investments is used to set your benefits under the Contract. Upon annuitization of the Contract, we use your accumulated value to set the value of the Annuity Payouts that we make during the Annuity Period. The Contract also includes a Death Benefit to help financially protect your Beneficiaries.

Investing in the Contract involves risk. You can lose your money, including your principal investment, due to the possible application of a negative MVA. Losses may also be due to the possible application of a negative market value adjustment. However, investing in the Contract can provide you with the opportunity to grow your money and your Contract’s benefits and help you achieve financial goals. The Contract may be appropriate for you if you have a long investment time horizon. It is not intended for people who may need to take early or frequent withdrawals based on their liquidity needs.

The Contract is no longer for sale. However, we continue to administer the in-force Contracts.

Phases of the Contract

The Contract has two phases: an Accumulation Period (for savings) and an Annuity Period (for income).

Accumulation Period. During the Accumulation Period, you invest your Contract Value in Guarantee Periods. Each Guarantee Period credits a fixed rate of interest annually for a specified number of years. Each Guarantee Period guarantees your principal investment if held until maturity and credits a guaranteed annual rate of interest at the declared Guarantee Rate.

Additional information about each investment option available under the Contract is provided in an appendix to this prospectus. See "Appendix A – Investment Options Available Under the Contract."

Annuity Period. Your Contract enters the Annuity Period on the Annuity Commencement Date, which is the date on which we begin to make Annuity Payouts. When your Contract enters the Annuity Period, your accumulated Contract Value is converted into a stream of income payments from us ( i.e. , Annuity Payouts). There are a variety of Annuity Payout Options from which you may choose, including payments for life or for a guaranteed period of years.

During the Annuity Period, you will no longer be able to take Surrenders from your Contract and no amounts will be payable upon death unless the Annuity Payout Option that you selected provides otherwise.

Contract Features

Accessing Your Money. Before your Contract enters the Annuity Period, you can withdraw money from your Contract at any time ( i.e. , a Full or Partial Surrender). If you take a Surrender, you may have to pay a surrender charge and/or income taxes, including a tax penalty if you are younger than age 59 1 / 2 . Surrenders from the Guarantee Periods may also be subject to negative MVAs (see “Contract Adjustments” below).

Tax Treatment. You can transfer Contract Value between the investment options without tax implications, and earnings on your investments are generally tax-deferred. Income taxes apply only upon: (1) making a Surrender; (2) receiving a payment from us; or (3) payment of a Death Benefit.

Death Benefit. The Contract includes a standard Death Benefit for no additional charge, payable upon your or the Annuitant’s death during the Accumulation Period.

Contract Adjustments

You could lose a significant amount of money due to a negative MVA if amounts are removed from a Guarantee Period prior to its expiration. A Surrender (partial or full), transfer, or annuitization from a Guarantee Period prior to its expiration may result in an MVA.

Important Information You Should Know About Your Contract

FEES, EXPENSES, AND ADJUSTMENTS

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Are There Charges or Adjustments for Early Withdrawals?

Yes. Surrender Charges. If you withdraw money from a Guarantee Period prior to its expiration or after the first 30 days of the following Guarantee Period, you may be assessed a surrender charge based on a six-year surrender charge schedule. The maximum surrender charge is 6%, as a percentage of the amount withdrawn. For example, if you were to withdraw $100,000 from a Guarantee Period, you could be assessed a surrender charge of up to $6,000. This loss will be greater if there is a negative MVA, or you are subject to taxes or tax penalties. Market Value Adjustments. If you withdraw or otherwise remove amounts from a Guarantee Period before the end of the Guarantee Period, we may apply an MVA, which may be negative. In extreme circumstances, you could lose up to 100% of the amount withdrawn or otherwise removed due to a negative MVA. For example, if you were to withdraw $100,000 from a Guarantee Period prior to its expiration, you could lose up to $100,000 of the amount withdrawn. This loss will be greater if you also have to pay a surrender charge, taxes, or tax penalties. An MVA may apply to withdrawals (including full withdrawals and partial withdrawals), transfers, and annuitization from the Guarantee Periods.

Fee Table The Contract – F. Charges, Fees, and Adjustments

Are There Transaction Charges?

No. Other than surrender charges and MVAs, there are no charges for other contract transactions.

Fee Table The Contract – F. Charges, Fees, and Adjustments

Are There Ongoing Fees and Expenses

Yes. There is an Annual Maintenance Fee of $25 charged on contract anniversary.

Fee Table The Contract – F. Charges, Fees and Adjustments

RISKS

Location in Prospectus

Is There a Risk of Loss from Poor Performance?

Yes. You can lose money by investing in this contract, including loss of principal.

Principal Risks of Investing in the Contract

Is This a Short-Term Investment?

No. •This contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. •Surrender charges and negative MVAs may apply to withdrawals from a Guarantee Period. •The benefits of tax deferral and long-term income are generally more beneficial to investors with a long-time horizon. •Withdrawals may be subject to taxes, and a 10% penalty tax may be applied to withdrawals before age 591/2. •Withdrawals could result in significant reductions to account value, the death benefit, and contract benefits, and perhaps by more than the amount withdrawn. •Upon maturity of an investment option – ◦At the end of a Guarantee Period, your Contract Value in the matured Guarantee Period will be reallocated, Surrendered, or annuitized according to your instructions. In the absence of instructions, the Contract Value will be automatically reallocated to a new Guarantee Period of the same duration as the matured Guarantee Period, if available. ◦If a Guarantee Period of the same duration is not available, the Contract Value will be automatically reallocated to a new Guarantee Period with a duration equal to the shortest of (a) the next-longer available Guarantee Period, or (b) the longest Guarantee Period duration that will expire prior to the Annuity Commencement Date.

Principal Risks of Investing in the Contract The Contract - B. Fixed Interest Investment Options

What are the Risks Associated with the Investment Options?

•An investment in this contract is subject to risk and can vary depending on the investment options available under the contract. •Each investment option (including any Guarantee Period) has its own unique risks. •You should review the available investment options before making an investment decision.

What are the Risks Related to the Insurance Company?

An investment in the contract is subject to the risks related to us. Any obligations (including under any Guarantee Period), guarantees or benefits of the contract are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about Talcott Resolution, including our financial strength ratings, is available upon request by calling us at 1-800-862-6668.

RESTRICTIONS

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Are There Restrictions on the Investment Options?

Yes. •There are restrictions that may limit the investment options you may choose, as well as limitations on the transfer of contract value among investment options. •Certain Guarantee Periods may not be available under your contract. •Contract Value may be allocated to only one Guarantee Period at any time during the Accumulation Period. •Transfers from a Guarantee Period may be subject to a negative MVA. •We reserve the right to add or eliminate Guarantee Periods as investment options. •We will not accept additional Premium Payments.

Principal Risks of Investing in the Contract The Contract – B. Fixed Interest Investment Options, C. Transfers Between Investment Options Appendix A – Investment Options Available under the Contract

Are There any Restrictions on Contract Benefits?

•There are restrictions and limitations relating to the benefits offered under the contract (e.g., death benefits). •Except as otherwise provided, contract benefits may not be modified or terminated by us. •Partial withdrawals (including surrender charges, taxes, and negative MVAs) may significantly reduce the death benefit. Additionally, withdrawals that exceed certain limits may reduce the benefit by more than the amount withdrawn and may even terminate the benefit.

The Contract – E. Other Features, Benefits Available Under the Contract; H. Death Benefit

TAXES

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What are the Contract's Tax Implications?

•Consult with a tax professional to determine the tax implications of an investment in and payments received under the contract. •If you purchased the contract through a tax-qualified plan or IRA, you do not get any additional tax deferral under the contract. •Earnings on your contract are taxed at ordinary income rates when withdrawn them and you may have to pay a penalty if you take a withdrawal before age 59½.

Federal Tax Considerations

CONFLICTS OF INTEREST

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How are Investment Professionals Compensated?

Your investment professional may receive compensation for selling this contract to you in the form of commissions, additional payments, and non-cash compensation. We may share the revenue we earn on this contract with your investment professional's firm. This conflict of interest may influence your investment professional to recommend this contract over another investment for which the investment professional is not compensated or compensated less.

The Contract – J. Miscellaneous – 9. How Contracts Are Sold

Should I Exchange My Contract?

Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange a contract you already own if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate your existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract.

The Contract – J. Miscellaneous – 9. How Contracts Are Sold

Fee Table

The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning and surrendering or making withdrawals from an investment option or from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year.

The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from an investment option or from the Contract, or transfer Contract Value between investment options. State premium taxes may also be deducted.

Transaction Expenses

			Initial Guarantee Period						Subsequent Guarantee Period
Surrender Charge (as a percentage of the amount Surrendered)(1)			6%						4%

(1) We determine the applicable surrender charge by calculating the length of time your money has been a part of your present Guarantee Period, according to the following schedule:

Guarantee Period Year						1						2						3						4						5						6						7+
•Initial Guarantee Period						6%						5%						4%						3%						2%						1%						0%

No surrender charge will be made for surrender dates after Guarantee Period Year 6. See The Contract – F. Charges, Fees, and Adjustments – Surrender Charges - Special Surrenders for more information.

The next table describes the adjustments, in addition to any transaction expenses, that may apply if all or a portion of the Contract Value is removed from a Guarantee Period before the expiration of the Guarantee Period.

Adjustments

Market Value Adjustment Maximum Potential Loss (as a percentage of the amount removed from a Guarantee Period)(1)			100%

(1) Surrenders (including Full and Partial Surrenders), transfers, and annuitization from a Guarantee Period taken prior to the end of the Guarantee Period may be subject to an MVA. Certain Surrenders from the Guarantee Periods are not subject to an MVA. See The Contract – F. Charges, Fees, and Adjustments – Market Value Adjustment for more information.

Principal Risks of Investing in the Contract

Risk of Loss. You can lose money by investing in this Contract, including loss of principal. The value of your Contract is not guaranteed by the U.S. government or any federal government agency, insured by the FDIC, or guaranteed by any bank.

Short-Term Investment Risk. This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this Contract is more

beneficial to investors with a long-time horizon. Surrenders may be subject to surrender charges, negative MVAs, taxes, and tax penalties. See “Withdrawal Risk” below. Guarantee Periods can be several years in length. Removing amounts from a Guarantee Period prior to its expiration may result in a negative MVA, in addition to any applicable surrender charges and tax consequences. See “Guarantee Period Risk” below.

Withdrawal Risk. You should carefully consider the risks associated with Surrenders under the Contract. Partial and Full Surrenders may be subject to surrender charges, negative MVAs, and/or taxes. If you make a Surrender prior to age 59 1 / 2 , there may be adverse tax consequences, including a 10% federal income tax penalty on the taxable portion of the Surrender. Surrenders before age 59 1 / 2 may also affect the tax-qualified status of some Contracts. You should also consider the impact that a Partial Surrender may have on the benefits under your Contract. Partial Surrenders will reduce the value of your Death Benefit, perhaps significantly. A Full Surrender will terminate the Contract and all of its benefits, including the Death Benefit. You cannot make Surrenders from the Contract after the Annuity Commencement Date.

Transfer Risk. Your ability to transfer Contract Value between investment options is subject to significant restrictions. You may transfer Contract Value from a Guarantee Period at the end of the Guarantee Period, or within 30 days after the start of the next Guarantee Period, to another Guarantee Period. Once each Contract Year, beginning after the first Contract Year, you may transfer Contract Value from a Guarantee Period to another Guarantee Period at any other time, provided that the duration of the new Guarantee Period is (i) at least five years or longer (subject to availability), and (ii) does not extend beyond your Annuity Commencement Date. Any transfer from a Guarantee Period, other than a transfer at the end of the Guarantee Period may be subject to a negative MVA, which may result in significant loss.These transfer restrictions may limit your ability to readily change how your Contract Value is invested in response to changing market conditions or changes in your personal circumstances.

Guarantee Period Risk. A Guarantee Period may not be appropriate for you if you do not expect to remain invested in the Guarantee Period until its maturity, which could be several years. Surrendering, transferring, or annuitizing amounts from a Guarantee Period prior to the end of the Guarantee Period may result in a negative MVA. The adjustment to the amount removed will depend on market conditions and the length of time remaining in the Guarantee Period. A negative MVA could result in significant loss. In extreme circumstances, you could lose up to 100% of the amount removed from a Guarantee Period due to a negative MVA. Any loss from a negative MVA will be greater if you also have to pay surrender charges, taxes, or tax penalties.

Each Guarantee Period has a declared annual interest rate ( i.e. , Guarantee Rate), which is guaranteed for the entire term. We may declare different Guarantee Rates for future Guarantee Periods, subject to the minimum annual interest rate of 1% or the applicable state non-forfeiture interest rate, whichever is greater. You bear the risk that we will not declare an interest rate higher than the minimum interest rate. Removing amounts from a Guarantee Period prior to maturity will result in a loss of interest for the remainder of the term.

We may offer new Guarantee Periods or limit the Guarantee Periods that are offered in the future.

Certain Guarantee Periods may not be available under your Contract. An available Guarantee Period may not be of the same duration offered in the initial Guarantee Period or any subsequent Guarantee Period.

When you invest in a new Guarantee Period, the surrender charge schedule for subsequent Guarantee Periods will reset and no credit will be given for the time spent in previous Guarantee Periods.

Contract Changes Risk. We reserve the right to add, delete, or eliminate Guarantee Periods as investment options .

Financial Strength and Claims-Paying Ability Risk. Talcott Resolution is the insurance company that issued your Contract. All guarantees under the Contract are subject to our financial strength and claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you.

Cybersecurity and Business Interruption Risk. Our business is highly dependent upon the effective operation of our computer systems and those of our business partners, so our business is vulnerable to systems failures and cyber-attacks. Systems failures and cyber-attacks may adversely affect us, your Contract and your Contract Value. In addition to cybersecurity risks, we are exposed to the risk that natural and man-made disasters and catastrophes may significantly disrupt our business operations and our ability to administer the Contract. There can be no assurance that we or our service providers will be able to successfully avoid negative impacts associated with systems failures, cyber-attacks, or natural and man-made disasters and catastrophes.

The Contract

A. Purchasing the Contract

What is the Contract?

This annuity is a contract between you and us. We agreed to make payments to you starting some time in the future. You can invest your money under the annuity in the Guaranteed Interest Account during time periods between Guaranteed Periods. This annuity includes a death benefit if you die before we start to pay you income from your annuity. You also have choices about how we pay you income from the annuity.

This annuity is:

• Single premium — you bought it with one Premium Payment.

• Fixed — it earns an interest rate that remains constant during the applicable Guarantee Period.

• Tax-deferred — you generally do not pay taxes on interest earned until you take money out or we start to make Annuity Payouts.

Who can buy this Contract?

This Contract is no longer available for purchase.

The Contract is an individual, deferred, modified guaranteed annuity contract designed for retirement planning purposes. Any individual or trust that was able to purchase it, including IRAs adopted according to Section 408 of the Code (known as "Qualified Contracts" as defined by the Code). In addition, individuals and trusts were able to also purchase Contracts that were not part of a tax qualified retirement plan (known as "Non-Qualified Contracts"). If you purchased the Contract for use in an IRA or qualified retirement plan, you should have considered other features of the Contract besides tax deferral, since any investment vehicle used within an IRA or qualified plan already receives tax-deferred treatment under the Code.

How do I purchase a Contract?

This Contract is no longer available for purchase.

When you purchased a Contract you completed and submitted an application or an order request along with your Premium Payment. The minimum Premium Payment was:

• $5,000 — Non-Qualified Contracts; or

• $2,000 — Qualified Contracts.

Prior approval was required for a Premium Payment of $1,000,000 or more.

Contracts were only available for purchase through a Financial Intermediary. An investment professional worked with you to complete and submit an application or an order request form. Part of this process included an assessment whether this annuity was suitable for you. Prior to recommending the purchase or exchange of an annuity, your investment professional made reasonable efforts to obtain certain information about you and your investment needs. This recommendation was independently reviewed by a principal within your Financial Intermediary before the application or order was sent to us. Your Premium Payment was not invested during this period.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who purchases a Contract. When you purchased a Contract, your Financial Intermediary asked for your name, address, date of birth and other information that will allowed us to identify you. They may also have asked to see your driver's license or other identifying documents.

A Premium Payment must be payable in U.S. dollars and checks must be drawn on U.S. banks. We do not accept cash, third party checks or double endorsed checks. We reserve the right to limit the number of checks processed at one time. If your check does not clear, your purchase will be cancelled and you could be liable for any losses or fees incurred. A check must clear our account through our Administrative Office to be considered in good order.

Multiple Premium Payments will be permitted only in respect of tax-free exchanges. In these circumstances, Premium Payments will be deposited into an interest-free suspense account until the exchange process is completed.

Neither you nor your Annuitant must have had your 86th birthday on the date that your Contract was issued. If a non-natural person owns the Contract, the Annuitant must not have been older than age 85 as of the Contract issuance date. You had to be of legal age in the state where the Contract was purchased or a guardian must have acted on your behalf.

How is the Premium Payment applied to my Contract?

Your Contract was issued after we received your Premium Payment and your application or order request was in good order. If the application/order request or other information accompanying the Premium Payment was incomplete when we received it, we held the money in a non-interest bearing account for up to fifteen (15) business days while we tried to obtain complete information. If we could not obtain the information within that time, we returned your Premium Payment unless you requested us to hold your Premium Payment until you provided the necessary information. We sent you a confirmation after we applied your Premium Payment.

Can I cancel my Contract after I purchase it?

The right of cancellation is no longer available under your Contract. You had the right to return your Contract within ten days after you received it. In some states, you may have been allowed more time to cancel your Contract. If you cancelled your Contract, the amount we paid you upon cancellation depended on the requirements of the state where you purchased your Contract, the method of purchase, the type of Contract you purchased and your age.We did not deduct any surrender charges during the cancellation period or upon cancellation, but an MVA may have applied.

B. Fixed Interest Investment Options

During the Accumulation Period, you invest your Contract Value in Guarantee Periods.

Information regarding the features of each currently-offered investment option, including (i) its name, (ii) its term, and (iii) its minimum guaranteed interest rate is available in an appendix to this prospectus. See Appendix A – Investment Options Available Under the Contract.

Your entire Contract Value must be allocated to only one Guarantee Period at any time during the Accumulation Period. You cannot allocate portions of your Contract Value among multiple investment options.

Guarantee Periods

Guarantee Periods are part of the Guaranteed Interest Account. Each Guarantee Period has a duration, specified in years. We declare an annual interest rate for each Guarantee Period ( i.e. , the Guarantee Rate). The Guarantee Rate will not change for the duration of a Guarantee Period. Amounts allocated to a Guarantee Period will earn guaranteed annualized interest at the Guarantee Rate. Compound interest is credited daily to Contract Value allocated to a Guarantee Period. Interest is no longer credited to amounts that are removed from a Guarantee Period prior to maturity.

When you purchased your Contract, you chose the Guarantee Period to which your Premium Payment was initially allocated. This was your “initial” Guarantee Period. All Guarantee Periods after your initial Guarantee Period are “subsequent” Guarantee Periods.We reserve the right to add, delete, or eliminate Guarantee Periods, or offer some or all Guarantee Periods to select distribution channels, or certain groups of contract holders.

Each Guarantee Period has its own Guarantee Rate. Guarantee Rates may differ among Guarantee Periods and may differ from one Guarantee Period to the next. Longer Guarantee Periods tend to pay higher interest rates. The Guarantee Rate for a Guarantee Period is set by us at the beginning of the Guarantee Period. We, at our discretion, set the Guarantee Rate for future Guarantee Periods. Changes in Guarantee Rates will not affect the Guarantee Rates that we are paying on current Guarantee Periods. A Guarantee Rate will never be less than the greater of 1% or the non-forfeiture interest rate applicable in your state. We, or our agents, cannot predict nor guarantee our future Guarantee Rates. See 7. “Investments by Talcott Resolution” in the section of the prospectus titled "The Contract" - J. "Miscellaneous" for additional information on how Guarantee Rates are set.

You could lose a significant amount of money due to an MVA if amounts are removed from a Guarantee Period prior to its expiration. Amounts Surrendered, transferred, or annuitized from a Guarantee Period prior to its expiration may be subject to an MVA. An MVA may be positive, negative, or equal to zero. In addition to an MVA, a surrender charge may apply to a Surrender from a Guarantee Period prior to its expiration. See F. "Charges, Fees, and Adjustments" in the section of the prospectus titled "The Contract" for more information.

We will send you a written notice at least 44 days before the expiration of an ongoing Guarantee Period notifying you of the upcoming expiration of your present Guarantee Period and outlining your options for renewal or reallocation of your Contract Value. Guarantee Rates for new Guarantee Periods will be declared at the start of the new Guarantee Period. We will advise you of the Guarantee Rate for a new Guarantee Period at the time we execute a transfer you have requested, or at the time a new Guarantee Period begins. You or your Financial Intermediary may also obtain information about the Guarantee Rates by contacting us at 1-800-862-6668.

At the end of each Guarantee Period, you have the following options:

• Reallocate your Contract Value to a subsequent Guarantee Period of the same duration, if available;

• Reallocate (or transfer) your Contract Value to an available Guarantee Period of a different duration, if any;

• Annuitize your Contract; and/or

• Take a Full or Partial Surrender (if taking a Partial Surrender, instructions are needed for your remaining Contract Value).

Please note that you cannot reallocate (or transfer) Contract Value to a Guarantee Period that extends beyond your Annuity Commencement Date (or Option End Date for beneficiary continued contracts).

At the end of a Guarantee Period, your Contract Value in the matured Guarantee Period will be processed according to your instructions.In the absence of timely instructions, your Contract Value in the matured Guarantee Period will be automatically reallocated to a Guarantee Period of the same duration, if available, subject to the new Guarantee Rate declared for the new Guarantee Period. If not available, the Contract Value will be automatically reallocated (transferred) to a new Guarantee Period with a duration equal to the shortest of (a) the next-longer available Guarantee Period, or (b) the longest Guarantee Period that will expire prior to the Annuity Commencement Date (or Option End Date for beneficiary continued contracts).

C. Transfers Between Investment Options

End of Guarantee Period Transfers

You may transfer Contract Value in a matured Guarantee Period to an available new Guarantee Period up to 30 days prior to the end of your current Guarantee Period. However, you cannot transfer Contract Value to a Guarantee Period that extends beyond your Annuity Commencement Date (or Option End Date for beneficiary continued contracts).

We must receive your transfer request before the expiration of the ongoing Guarantee Period or no later than the first 30 days after a new Guarantee Period begins. Please note:

• If we receive your transfer request before the end of the ongoing Guarantee Period, the request will be effective on the next Business Day after the expiration of the Guarantee Period. No MVA will apply to the transfer.

• If we receive your transfer request during the first 30 days after a new Guarantee Period begins, the request will be effective on the Business Day that we receive your request. If the transfer is to a Guarantee Period, the transfer will be subject to an MVA, which may be negative.

The amount transferred is equal to the Contract Value on the date of the transfer after reflecting any applicable MVA. See The Contract – F. Charges, Fees, and Adjustments – Market Value Adjustment for more information about MVAs.

Transfers are not subject to surrender charges. However, when starting a new Guarantee Period, the surrender charge schedule will reset and no credit will be given for the time spent in any previous Guarantee Period.

Interim Guarantee Period Transfers

Once each Contract Year, beginning after the first Contract Year, you may transfer from one Guarantee Period to another then available Guarantee Period outside of the window described in “End of Guarantee Period Transfers” above. Please note that, when exercising this transfer right, the new Guarantee Period must be (i) at least five (5) years or longer (subject to availability), and (ii) cannot not extend beyond your Annuity Commencement Date (or Option End Date for beneficiary continued contracts).

A transfer described in this section will be subject to an MVA, which may be negative. The amount transferred into the new Guarantee Period is equal to the Contract Value on the date of the transfer after reflecting the MVA. The request will be effective on the Business Day that we receive your request. See The Contract – F. Charges, Fees, and Adjustments – Market Value Adjustment for more information about MVAs.

Transfers are not subject to surrender charges. However, when starting a new Guarantee Period, the surrender charge schedule will reset and no credit will be given for the time spent in any previous Guarantee Period.

D. The Contract Value

How is the value of my Contract calculated before the Annuity Commencement Date?

We calculate your Contract Value by deducting any applicable premium tax from your Premium Payment, or your rollover or renewed Contract Value if you are in a subsequent Guarantee Period. We then credit your Contract Value on a daily basis with an amount that is equivalent to the applicable Guarantee Rate or interest rate on an annual basis and deduct any Partial Surrenders (including surrender charges and any MVA).

E. Other Features

Benefits Available Under the Contract

The following table summarizes information about the benefits available under the Contract.

Standard Benefits (No Additional Charge)
Name of Benefit			Purpose			Brief Description of Restrictions/Limitations
Death Benefit			Upon the Contract Owner's or Annuitant's death during the Accumulation Period, provides for payment equal to the Contract Value.			•Partial Surrenders (including surrender charges, taxes, and negative MVAs) will reduce the Death Benefit, perhaps significantly.
Hospital, nursing home, or long-term care facility confinement waiver			Provides a waiver of surrender charges on Full and Partial Surrenders if a covered person is confined to a defined facility.			•A covered person must be confined to a qualifying facility for at least 180 calendar days. •Other conditions prescribed by the waiver must be met for the waiver to apply. •Negative MVA and taxes may apply to amounts Surrendered from a Guarantee Period. •May not be available in all states.

Reinstatement

The Owner has the option to request a reinstatement after a Surrender (Partial or Full) upon return of the check with a written letter of instruction to us. Surrender charges from the Surrender will be credited back to the Contract Value.

F. Charges, Fees, and Adjustments

Surrender Charges

Surrender charges cover some of the expenses relating to the sale and distribution of the Contract, including commissions paid to Financial Intermediaries and the cost of preparing sales literature and other promotional activities.

Except as discussed below, we assess a surrender charge when you request a Full or Partial Surrender. Surrender charges vary according to the following schedule (subject to state variations).

Surrender Charge

Guarantee Period Year (1)						Initial Guarantee Period
1						6%
2						5%
3						4%
4						3%
5						2%
6						1%
7+						0%

(1) A Guarantee Period Year is measured from the Contract issue date, renewal date or Guarantee Period transfer date, as applicable to the surrender date.

When you request a surrender, we deduct the dollar amount you request from your Contract Value. This difference is then the amount subject to a surrender charge. We then determine the appropriate percentage of surrender charge to be deducted by reference to the applicable Surrender Charge Period. We deduct the surrender charge from the amount to be Surrendered, and, provided there is no MVA, pay you that amount. Surrender charges are applied prior to assessing an MVA.

A Guarantee Period Year is measured from the Contract issue date, renewal date or Guarantee Period transfer date, as applicable to the Surrender date. The surrender charge schedule will reset at each Guarantee Period renewal or transfer, and no credit will be given for the time spent in previous Guarantee Periods.

The following situations are NOT subject to a surrender charge:

• Surrenders made at the end of a Guarantee Period or within the first 30 days after electing a subsequent Guarantee Period;

• Upon death of the Annuitant, joint Owner or Owner;

• Admission to a nursing facility after satisfying certain conditions discussed below;

◦ Upon annuitization of your Contract (Annuity Commencement Date);

◦ Permissible duration exchanges; and/or

◦ Required Minimum Distributions from IRAs.

We will waive any surrender charge applicable to a Partial or Full Surrender if you, the joint owner or the Annuitant, is confined, at the recommendation of a physician for medically necessary reasons, for at least 180 calendar days to a:

a. hospital recognized as a general hospital by the proper authority of the state in which it is located;

b. hospital recognized as a general hospital by the Joint Commission on the Accreditation of Hospitals;

c. facility certified by Medicare as a hospital or long-term care facility; or

d. nursing home licensed by the state in which it is located and offers the services of a registered nurse 24 hours a day.

For the waiver to apply, you must:

a. have owned the Contract continuously since it was issued;

b. provide written proof of confinement satisfactory to us; and

c. request the surrender within 91 calendar days of the last day of confinement.

This waiver is not available if you, the joint Owner or the Annuitant is confined to any of the foregoing facilities when you purchased the Contract. An MVA, taxes and tax penalties may still be applicable. This waiver may not be available in all states.

Market Value Adjustment

We may apply an MVA to amounts in a Guarantee Period that are Surrendered (including Partial and Full Surrenders), transferred, or annuitized prior to the end of the Guarantee Period. An MVA is a positive, negative, or zero adjustment to the proceeds of your transaction. The MVA is applied in the determination of your Net Surrender Value any applicable surrender charges are deducted.A negative MVA will result in loss, and this loss may be significant. You could lose your principal investment and any previously-credited earnings in the Contract. In extreme circumstances, you could lose up to 100% of the amount Surrendered, transferred, or annuitized due to a negative MVA.

The purpose of the MVA is to generally transfer from us to you the risk of you prematurely liquidating your investment in a Guarantee Period, which helps to protect us from losses on the fixed income investments that we acquire in support of our Contract guarantees. We assume that you will keep your Premium Payments invested for the duration of the Guarantee Period selected. We invest in various fixed income investments and hedging strategies to support Guarantee Rates. We may lose money if we are required to prematurely liquidate these investments at a discount. The MVA is intended to neutrally assess the charge you must pay to make up for certain losses we incur.

The amount of the MVA is based on a formula that takes into account changes in market interest rates and the amount of time left in your Guarantee Period at the time of your transaction.There is no minimum percentage of Contract Value that is exempt from an MVA. In general, in the event that you make a Surrender or other transaction at a time when interest rates have declined, the MVA will result in a positive adjustment, which will increase the proceeds of your transaction. On the other hand, if you make a Surrender or other transaction at a time when interest rates have increased, the MVA will result in a negative adjustment, which will decrease the proceeds of your transaction.

You may contact us for more information regarding the data used in the MVA formula. Detailed information about MVA calculations can be found in the SAI under “Market Value Adjustment Calculations.”

MVAs do not apply to the following:

• Surrender, transfer, or annuitization from a Guarantee Period on the date that the current Guarantee Period ends;

• A Death Benefit; or

• Required Minimum Distribution from an IRA.

An MVA, if applicable, will affect your Net Surrender Value. A negative MVA will reduce the value of your Contract and its benefits, including the Death Benefit, perhaps significantly.

You may obtain information concerning the current value of an MVA by contacting us at 1-800-862-6668. However, MVAs fluctuate daily, and the value of the MVA quoted may change by the time your transaction is executed.

Premium Taxes

A deduction is also made for premium taxes, if any, imposed on us by a state, municipality, or other governmental entity. The tax, currently ranging from 0% to 3.5%, is assessed at the time Premium Payments are made or when Annuity Payouts begin. We will pay premium taxes at the time imposed under applicable law. We, in our sole discretion, may deduct premium taxes at the time we pay such taxes to the applicable taxing authorities, upon Surrender, or when Annuity Payouts commence.

Annual Maintenance Fee

At the end of each Contract Year prior to the Annuity Commencement Date, an annual maintenance fee will be deducted from your Contract Value to reimburse us for expenses relating to maintenance of your Contract. In any Contract Year when a Contract is surrendered for its full value, the annual maintenance fee will be deducted at the time of such surrender.

The annual maintenance fee is presently set at $25.00. The amount of the annual maintenance fee on outstanding Contract may not be changed by us.

Other Charges

We may offer reduced fees and charges for certain Contracts that may result in decreased costs and expenses.

G. Surrenders

You cannot take any of the money out of your Contract after the Annuity Period begins. Before the Annuity Period, you can take out all of your Contract's value (Full Surrender) or part of it (Partial Surrender). There is a $500 minimum balance required after a Partial Surrender.

If you make a Surrender, you may:

• have to pay a Surrender charge,

• incur an MVA and

• have to pay income tax on the amount you take out and, if you Surrender before you are age 59½, you may have to pay an income tax penalty.

Are there any restrictions on Partial Surrenders?

Yes. If you request a Partial Surrender before the Annuity Period, there are two restrictions:

• The amount you want to Surrender must be at least equal to $500 — our current minimum for Partial Surrenders, and

• The Contract must equal or exceed the Minimum Contract Value after the Surrender, which is $500.

We reserve the right to terminate your Contract and pay you the Contract Value minus any applicable charges or adjustments if your Contract Value is under the Minimum Contract Value after the Partial Surrender.

Partial Surrenders (including surrender charges, taxes, and MVAs) will reduce the Contract Value and the Death Benefit, perhaps significantly. Amounts in a Guarantee Period that are Surrendered (including Full and Partial Surrenders) prior to

the end of the Guarantee Period may be subject to an MVA. An MVA may be positive, negative, or zero. A negative MVA will result in loss, and this loss may be significant. See The Contract – F. Charges, Fees, and Adjustments – Market Value Adjustment for more information on MVAs.

How do I request a Surrender?

Requests for Surrenders must be in writing. To request a Full or Partial Surrender, complete a surrender form or send us a letter. We will also accept fax requests for a Full or Partial Surrender from a completed surrender form or a letter of instruction. The surrender form or letter of instruction should be signed by you, stating:

• the dollar amount that you want to receive, either before or after we withhold taxes and deduct for any applicable charges;

• your tax withholding amount or percentage, if any; and

• your mailing address or wire instructions.

You may also elect to enroll in tele-redemption or can request Partial Surrenders through our website www.talcott.com. See J. Miscellaneous - 10. Telephone Transfers for additional information about contacting us.

If there are joint Owners, both must authorize all Surrenders.

We may defer payment of any Partial or Full Surrender for a period not exceeding six months from the date of our receipt of your notice of surrender or the period permitted by state insurance law, if less. If we defer payment more than 30 days, we will pay interest per annum of at least the statutory required minimum interest rate then in effect on the amount deferred.

What tax consequences are associated with Surrenders?

Prior to age 59 ½ — If you make a Surrender prior to age 59½, there may be adverse tax consequences including a 10% federal income tax penalty on the taxable portion of the surrender payment. Surrendering before age 59½ may also affect the continuing tax-qualified status of some Contracts.

Special Surrenders

A full or partial surrender will be payable at the end of a Guarantee Period without a surrender charge and without a Market Value Adjustment if:

(i) a request for a surrender is received, in writing, during the 30 day period preceding the end of a Guarantee Period; or

(ii) one of the Annuity Options specified herein is elected. To elect an Annuity Option, you must notify us that your Annuity Commencement Date will be the end of the current Guarantee Period (if not previously elected) and of the Annuity Option you are electing, at least 30 days before the end of that Guarantee Period.

In addition, if you notify us in writing within 30 days prior to the end of a Certificate Year, we will send you any interest that would have been credited at the end of that Contract Year on the date such interests would have been credited. No surrender charge or Market Value Adjustment will be imposed on such interest payments. Any such surrender may, however, be subject to tax. (See "Tax Considerations")

More than one Contract issued in the same calendar year — If you own more than one Contract issued by us or our affiliates in the same calendar year, then these Contracts may be treated as one Contract for the purpose of determining the taxation of distributions prior to the Annuity Commencement Date.

H. Death Benefit

What is the Death Benefit and how is it calculated?

The Contract includes a standard Death Benefit for no additional charge. Before we begin to make Annuity Payouts, we will pay a Death Benefit upon the death of the Owner, joint Owner or Annuitant, provided there is no surviving Contingent Annuitant. The Death Benefit is calculated as of the date we receive a certified death certificate or other legal document acceptable to us at our Administrative Office. If your Contract was issued on or before May 1, 1985, the Death Benefit will equal the greater of the Net Surrender Value which would have been payable on a full surrender on the date of death and the minimum Death Benefit. The minimum Death Benefit is the lesser of the Account Value at the beginning of the Guarantee Period in which the Annuitant or owner dies and the Account Value on the date of the death. If your Contract was issued after May 1, 1985, the Death Benefit will equal the greater of the Account Value on the date of death, or the Net Surrender Value on the date of death. The Death Benefit calculation is not subject to an MVA.

How is the Death Benefit paid?

The Death Benefit may be taken in one lump sum or under any of the Annuity Payout Options then being offered by us. An Owner may designate the manner in which the Beneficiary will receive the Death Benefit. The Death Benefit amount remains invested until complete settlement instructions are received from each Beneficiary. On the date we receive complete instructions from the Beneficiary, we will compute the Death Benefit amount to be paid out or applied to a selected Annuity Payout Option. When there is more than one Beneficiary, we will calculate the Death Benefit amount for each Beneficiary's portion of the proceeds and then pay it out or apply it to a selected Annuity Payout Option according to each

Beneficiary's instructions. If we receive complete instructions on a non-Valuation Day, computations will take place on the next Valuation Day.

Unless we are otherwise instructed, we may in our discretion, issue the Beneficiary a draft book if your Beneficiary elects to receive the Death Benefit amount as a lump sum payment. The Beneficiary can write one draft for total payment of the Death Benefit, or write drafts as needed. We will credit interest at a rate determined periodically in our sole discretion. For federal income tax purposes, the Beneficiary will be deemed to have received the lump sum payment. Interest will be taxable to the Beneficiary in the tax year that it is credited. We may issue a check to the Beneficiary if the Beneficiary resides, or the Contract was purchased, in a state that imposes restrictions on this method of payment.

The Beneficiary may elect under the Annuity Proceeds Settlement Option "Death Benefit Remaining with the Company" to leave proceeds from the Death Benefit invested with us for up to five (5) years from the date of death if death occurred before the Annuity Commencement Date. The Beneficiary can take surrenders without paying surrender charges.

We reserve the right to inform the IRS in the event that we believe that any Beneficiary has intentionally delayed delivering proper proof of death in order to circumvent applicable Code proceeds payment duties. We shall endeavor to fully discharge the last instructions from the Owner wherever possible or practical.

The Beneficiary of a non-qualified Contract or IRA may also elect the Single Life Expectancy Only option. This option allows the Beneficiary to take the Death Benefit in a series of payments spread over a period equal to the Beneficiary's remaining life expectancy. Distributions are calculated based on IRS life expectancy tables. This option is subject to different limitations and conditions depending on whether the Contract is non-qualified or an IRA. For details on specific limitations pertaining to IRAs and other Tax-Qualified contracts please see "Federal Tax Considerations" Section I “Information Regarding Tax-Qualified Retirement Plans.”

Required Distributions — if the Owner dies before the Annuity Commencement Date, the Death Benefit must be distributed within five (5) years after death. The Beneficiary can choose any Annuity Payout Option that results in complete Annuity Payout within five (5) years.

If the Owner dies on or after the Annuity Commencement Date under an Annuity Payout Option with a payout upon Death Benefit, any remaining value must be distributed at least as rapidly as under the Annuity Payout Option being used as of the Owner's death.

If the Owner is not an individual (e.g. a trust), then the original Annuitant will be treated as the Owner in the situations described above and any change in the original Annuitant will be treated as the death of the Owner.

Additional limitations and requirements for distributions apply to Tax Qualified contracts. Please see "Federal Tax Considerations.”

What should the Beneficiary consider?

Alternatives to the Required Distributions — the selection of an Annuity Payout Option and the timing of the selection will have an impact on the tax treatment of the Death Benefit. To receive favorable tax treatment, the Annuity Payout Option selected: (a) cannot extend beyond the Beneficiary's life or life expectancy, and (b) must begin within one (1) year of the date of death.

If these conditions are not met, the Death Benefit will be treated as a lump sum payment for tax purposes. This sum will be taxable in the year in which it is considered received.

Spousal contract continuation — if the Owner dies, the Owner's spouse (if allowed under applicable federal tax law), if named as sole Beneficiary, may elect to continue the Contract as the new Owner. This spousal continuation is available only once for each Contract. The spouse may alternatively elect to receive the Death Benefit in one lump sum payment or have the Death Benefit paid under one of the Annuity Payout Options.

In the event of the death of the Owner when there is no joint Owner, the Annuitant (Contingent Annuitant if applicable) is alive and the spouse is the sole beneficiary, unless the spouse elects to be paid through another death benefit option, the Contract will continue with the spouse as the Owner and all rights of the original Owner shall become the spouse's.

Who will receive the Death Benefit?

The distribution of the Death Benefit is based on whether death is before, on or after the Annuity Commencement Date. The following tables describe common scenarios. Under certain circumstances; however, a Death Benefit may not be payable.

If death occurs before the Annuity Commencement Date:

If the deceased is the . . .

and . . .

and . . .

then the . . .

Owner

There is a surviving joint Owner

The Annuitant is living or deceased

Joint Owner receives the Death Benefit.

Owner

There is no surviving joint Owner

The Annuitant is living or deceased

Designated Beneficiary receives the Death Benefit.

Owner

There is no surviving joint Owner or surviving Beneficiary

The Annuitant is living or deceased

Owner's estate receives the Death Benefit.

Annuitant

The Annuitant is also the Owner

There is no named Contingent Annuitant or there is no Contingent Annuitant

Designated Beneficiary receives the Death Benefit.

Annuitant

The Owner is living

There is no named Contingent Annuitant

The Owner is presumed to be the Contingent Annuitant and the Contract continues. The Owner may waive this presumption and receive the Death Benefit.

Annuitant

The Owner is living

The Contingent Annuitant is living

Contingent Annuitant becomes the Annuitant, the designated Beneficiary remains the Beneficiary and the Contract continues.

If death occurs on or after the Annuity Commencement Date:

If the deceased is the . . .

and . . .

then the . . .

Owner

The Annuitant is living

Designated Beneficiary becomes the Owner and Payments continue.

Annuitant

The Owner is living

Owner receives the Death Benefit.

Annuitant

The Annuitant is also the Owner

Designated Beneficiary receives the Death Benefit.

I. Annuity Payouts

1. When do you want Annuity Payouts to begin?

You select an Annuity Commencement Date when you purchase your Contract or at any time before we begin making Annuity Payouts. You may change the Annuity Commencement Date by notifying us before we begin to make Annuity Payouts.

The Annuity Commencement Date cannot be deferred beyond the end of the Guarantee Period immediately following the Annuitant's 90th birthday or the end of the Guarantee Period immediately following the end of the 10th Contract Year, whichever is later. You may elect a later date to begin receiving payments, subject to the laws and regulations then in effect, your broker-dealer's protocols, if any and our prior approval. Unless you elect an Annuity Payout Option before the Annuity Commencement Date, we will begin to make Annuity Payouts under the Life Annuity with a 10-Year Period Certain Annuity Payout Option.

If the Annuity Commencement Date does not coincide with the end of a Guarantee Period, an MVA will apply. In that case, we will determine the amount available for Annuity Payouts by taking your Contract Value, deducting any applicable premium taxes and then multiplying that amount by the MVA. No MVA will apply if the Annuity Commencement Date coincides with the end of your Guarantee Period.

If you rollover into a subsequent Guarantee Period or transfer to a Guarantee Period of a different duration, you cannot rollover or transfer into a Guarantee Period with a duration that will take you past your Annuity Commencement Date. For example, if you elected to begin Annuity Payouts on your Annuitant's 90th birthday and your Annuitant is 87 years old, you would not be able to rollover or transfer into a new Guarantee Period with a duration longer than three (3) years unless you extended your Annuity Commencement Date.

All Annuity Payouts, regardless of frequency, will occur on the same day of the month as the Annuity Commencement Date.

Surrenders are not available during the Annuity Period. The Death Benefit terminates upon entering the Annuity Period. No amounts will be payable upon death unless your Annuity Payout Option provides otherwise.

2. Which Annuity Payout Option do you want to use?

Your Contract contains the Annuity Payout Options described below. We may at times offer other Annuity Payout Options. Once Annuity Payouts begin, you cannot change the Annuity Payout Option.

Life Annuity — We make Annuity Payouts as long as the Annuitant is living. When the Annuitant dies, we stop making Annuity Payouts. A Payee would receive only one Annuity Payout if the Annuitant dies after the first Payout, two Annuity Payouts if the Annuitant dies after the second Payout, and so forth.

Life Annuity with a Cash Refund — We make Annuity Payouts as long as the Annuitant is living. When the Annuitant dies, we stop making Annuity Payouts. At the death of the Annuitant, if the Contract Value on the Annuity Commencement Date minus any premium tax is greater than the sum of all Annuity Payouts already made, any difference will be paid to the Beneficiary.

Life Annuity with Payments for a Period Certain — We make Annuity Payouts during the lifetime of the Annuitant but Annuity Payouts are at least guaranteed for a period of time you select between five (5) years and 100 years minus the age of the Annuitant. If, at the death of the Annuitant, Annuity Payouts have been made for less than the minimum elected number of years, then the Beneficiary may elect to (a) continue Annuity Payouts for the remainder of the minimum elected number of years or (b) receive the commuted value in one sum. If the Contract is a qualified contract, the annuity payments may need to be modified after the death of the individual or designated beneficiary, as necessary to comply with IRS rules and regulations.

Joint and Last Survivor Life Annuity — We will make Annuity Payouts as long as either the Annuitant or Joint Annuitant are living. When one Annuitant dies, we continue to make Annuity Payouts to the other Annuitant until that second Annuitant dies. When choosing this option, you must decide what will happen to the Annuity Payouts after the first Annuitant dies. You must select Annuity Payouts that:

• Remain the same at 100%, or

• Decrease to 66.67%, or

• Decrease to 50%.

The percentages represent actual dollar amounts. The percentage will also affect the Annuity Payout amount we pay while both Annuitants are living. If you pick a lower percentage, your original Annuity Payouts will be higher while both Annuitants are alive.

Joint and Last Survivor Life Annuity with Payments for a Period Certain — We make Annuity Payouts for so long as either the Annuitant or Joint Annuitant is living, but Annuity Payouts are at least guaranteed for a period of time you select between five (5) years and 100 years minus the age of the Annuitant. If at the death of the last surviving Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary or the Beneficiary can elect to receive the present value of the remaining payments in one sum. If the Contract is a qualified contract, the annuity payments may need to be modified after the death of the individual or designated beneficiary, as necessary to comply with IRS rules and regulations. To calculate the present value we will use an interest rate determined in our discretion. When choosing this option, you must decide what will happen to the Annuity Payments after the first Annuitant dies. You must select Annuity Payouts that:

• Remain the same at 100%, or

• Decrease to 66.67%, or

• Decrease to 50%.

The percentages reflect actual dollar amounts. The percentage will also affect the Annuity Payout amount we pay while both Annuitants are living. If you pick a lower percentage, your original Annuity Payouts will be higher while both Annuitants are alive.

Payments For a Period Certain — We will make Annuity Payouts for the number of years that you select. During the first Contract Year, you can select any period between ten (10) years and 100 years minus the Annuitant's age. After the first Contract Year, you can select any period between five (5) and 100 years minus the Annuitant's age. If, at the death of the Annuitant, Annuity Payouts have been made for less than the period certain, then the Beneficiary may elect to (a) continue Annuity Payouts for the remainder of the minimum elected number of years or (b) receive the commuted value in one sum. If the Contract is a qualified contract, the annuity payments may need to be modified after the death of the individual or designated beneficiary, as necessary to comply with IRS rules and regulations.

• You cannot Surrender your Contract once Annuity Payouts begin.

• Qualified Contracts — if you elect an Annuity Payout Option with a Period Certain, the guaranteed number of years must be less than the life expectancy of the Annuitant at the time the Annuity Payouts begin. We compute life expectancy using the IRS mortality tables.

• Automatic Annuity Payments — if you do not elect an Annuity Payout Option, Annuity Payouts will automatically begin on the Annuity Commencement Date under the Life Annuity with Payments for a Period Certain Annuity Payout Option with a ten-year period certain.

Annuity Proceeds Annuity Option — Amounts otherwise payable as a Death Benefit left in the Contract for a period not to exceed five (5) years from the date of any Contract Owner or Annuitant's death prior to the Annuity Commencement Date will remain in the same Guarantee Period and continue to earn the same interest rate as at the time of death. If the Guarantee Period ends before the end of the five (5) year period, the beneficiary may elect a new Guarantee Period with a duration closest to, but not to exceed the time remaining in the period of five (5) years from the date of the Contract Owner's

or Annuitant's death. Full or Partial Surrenders may be made at any time. In the event of any surrender; however, the remaining value will equal the death benefit, minus any Gross Surrender Values, plus any interest earned.

3. How often do you want the Payee to receive Annuity Payouts?

In addition to selecting an Annuity Commencement Date and an Annuity Payout Option, you must also decide how often you want the Payee to receive Annuity Payouts. You may choose to receive Annuity Payouts:

• monthly

• quarterly

• semiannually

• annually

Once you select a frequency, it cannot be changed after the Annuity Commencement Date. If you do not make a selection, the Payee will receive monthly Annuity Payouts. The first payment must be at least equal to the minimum payment amount according to our rules then in effect. If at any time, payments become less than the minimum payment amount, we have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, we may make an alternative arrangement with you.

4. How are Annuity Payouts calculated?

The Tables in the Contract provide for guaranteed dollar amounts of monthly payments for each $1,000 applied under the Annuity Payout Options. Under the Life Annuity, Life Annuity with Cash Refund and Life Annuity with Payments for a Period Certain, the amount of each Annuity Payout will depend upon the age and gender of the Annuitant at the time the first Annuity Payout is due. Under the Joint and Last Survivor Life Annuity and Joint and Last Survivor Life Annuity with Payments for a Period Certain, the amount of the first Annuity Payout will depend upon the gender of both Annuitants and their ages at the time the Annuity Payout is due.

Gender will not be used to determine the amount of the Annuity Payouts if the Contract is issued to qualify under certain sections of the Code. If gender is used to determine the amount of Annuity Payouts, the Annuity tables in the Contract will provide guaranteed minimum rates of payment for male Annuitants and female Annuitants.

The fixed payment Annuity tables for the Annuity Payout Options, except for Payments for a Period Certain Annuity Payout Option are based on the 1983a Individual Annuity Mortality Table and an interest rate of 4%. The table for the Payments for a Period Certain Annuity Payout Option is based on an interest rate of 4% per annum.

The Annuity tables for the Annuity Payout Options, except for Payments for a Period Certain Annuity Payout Option are age dependent. The amount of the first payment will be based on an age a specified number of years younger than the Annuitant's then attained age. The age setback is one year.

Miscellaneous

1. Ownership Changes

We reserve the right to approve all ownership changes, including any assignment of your Contract (or any benefits) to others or the pledging of your Contract as collateral.

2. Assignment

A non-qualified Contract may be assigned. We must be properly notified in writing of an assignment. Any Annuity Payouts or surrenders requested or scheduled before we record an assignment will be made according to the instructions we have on record. We are not responsible for determining the validity of an assignment. Assigning a non-qualified Contract may require the payment of income taxes and certain penalty taxes. A qualified Contract may not be transferred or otherwise assigned (whether directly or used as collateral for a loan), unless allowed by applicable law and approved by us in writing. We can withhold our consent for any reason. We are not obligated to process any request for approval within any particular time frame. Please consult a qualified tax adviser before assigning your Contract.

To the extent permitted by state law, we reserve the right to refuse our consent on a non-discriminatory basis, including to the extent necessary to qualify for the exemption from 1934 Act reporting under Rule 12h-7.

3. Speculative Investing

Do not purchase this Contract if you plan to use it, or any of its riders, for speculation, arbitrage, viatication or any other type of collective investment scheme. By purchasing this Contract you represent and warrant that you are not using this product, or any of its riders, for speculation, arbitrage, viatication or any other type of collective investment scheme.

4. Amendment of Contracts

We may modify the Contract, but no modification will affect the amount or term of any Contract unless a modification is required in order to conform the Contract to applicable law. No modification will affect the method by which Contract Values are determined. We will notify you in writing of any Contract amendments.

5. State Variations

Your Contract may be subject to variations required by various State insurance departments. Variations are subject to change without notice.

New York: The minimum annuity payment is $20; As of June 3, 1988, under individual and group allocated plans, if the annuitant or contract owner dies, the beneficiary receives the account value on the date we receive written notification and proof of death. If the contract (not residence) state is New York, the contract is issued prior to November 1, 1996, and the client is at least 85, but not yet 90, we will waive any CDSC, but an MVA will apply.

Pennsylvania: If the contract (not residence) state is Pennsylvania, the contract is issued prior to May 1, 1998, and the client is at least 85, but not yet 90, we will waive any CDSC, but an MVA will apply.

6. The Company

Talcott Resolution is a stock life insurance company. Talcott Resolution is authorized to do business in all states of the United States and the District of Columbia. Talcott Resolution was originally incorporated under the laws of Massachusetts on June 5, 1902, and subsequently redomiciled to Connecticut. Our corporate offices are located at 1 American Row, Hartford, CT 06103.

Insofar as indemnification for liability arising under the Securities Act of 1933 (the "Act") may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable.

We are obligated to pay all amounts promised to investors under the Contract, subject to our financial strength and claims-paying ability.

Status Pursuant to Securities Exchange Act of 1934

Talcott Resolution relies on the exemption provided by Rule 12h-7 under the Securities Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.

7. Investments by Talcott Resolution

Our obligations under the Contract ( i.e. , credited interest, Death Benefits, and Annuity Payouts) are funded by our general account. Our obligations under the Contract are subject to our claims-paying ability and financial strength.

Our assets must be invested in accordance with the requirements established by applicable state laws regarding the nature and quality of investments that may be made by life insurance companies and the percentage of assets that may be committed to any particular type of investment. In general, these laws permit investments, within specified limits and subject to certain qualifications, in federal, state and municipal obligations, corporate bonds, preferred and common stocks, real estate and commercial mortgages, real estate and certain other investments.

Contract reserves will be accounted for in a non-unitized, non-insulated separate account. Separate account assets may be commingled with investments from other modified guaranty annuity contracts. Owners have no priority claims on assets accounted for in this separate account. All our assets, including those accounted for in this separate account, are available to meet the guarantees under the Contracts and are available to meet our general obligations. Subject to state insurance department approvals, we may transfer assets between the separate account and our general account from time to time.

In establishing Guarantee Rates for Guarantee Periods, we intend to take into account the yields available on the instruments in which we intend to invest the proceeds from the Contracts. Our investment strategy with respect to the proceeds attributable to the Contracts will generally be to invest in investment-grade (or comparable investment quality) debt instruments having durations tending to match the applicable Guarantee Periods. The foregoing notwithstanding, we may also invest in other securities; including but not limited to, U.S. Treasury obligations, U.S. Government agency and instrumentality obligations, mortgage-backed securities and high-yield (junk) bonds. We are not obligated to invest the proceeds attributable to the Contract according to any particular strategy, except as may be required by applicable law. The investment strategy applied to separate account investments from these contracts may not necessarily be consistent with investment strategies applied with respect to investments from other modified guaranty annuity contract investments held within this separate account.

8. Financial Statements

The financial statements for Talcott Resolution are included in the SAI. To receive a copy of the SAI free of charge, call your investment professional or contact us. The back cover page of this prospectus includes instructions on how to request an SAI from us.

9. How Contracts are sold

This Contract is no longer available for purchase.

We have entered into a distribution agreement with our affiliate Talcott Resolution Distribution Company, Inc. (“TDC”) under which TDC serves as the principal underwriter for the Contracts. TDC is registered with the Securities and Exchange

Commission under the 1934 Act as a broker-dealer and is a member of the Financial Industry Regulatory Authority (FINRA). The principal business address of TDC is the same as ours.

TDC has entered into selling agreements with affiliated and unaffiliated broker-dealers, and financial institutions (“Financial Intermediaries”) for the sale of the Contracts. We pay compensation to TDC for sales of the Contracts by Financial Intermediaries. TDC, in its role as principal underwriter, did not retain any underwriting commissions for the fiscal year ended December 31, 2024. Contracts were sold by individuals who were appointed by us as insurance agents and who were investment professionals of Financial Intermediaries.

Financial Intermediaries receive commissions. Certain selected Financial Intermediaries also receive additional compensation. All or a portion of the payments we make to Financial Intermediaries may be passed on to investment professionals according to a Financial Intermediary’s internal compensation practices.

Commission arrangements may vary from one Financial Intermediary to another. Under certain circumstances, your investment professional may be required to return all or a portion of the commissions paid.

You may be able to exchange one tax-deferred annuity for another without paying taxes on the earnings when you make the exchange. Before you do, compare the benefits, features and costs of the two annuities. You may pay a surrender charge and MVA if you make the exchange during a Guarantee Period. Also, you may pay a surrender charge if you make withdrawals from the new annuity during the first years you own it.

10. Telephone Transfers

You may effect a variety of financial transactions by telephone. We will use reasonable procedures to confirm that your instructions are genuine. We require verification of account information and will record telephone instructions. You will receive written confirmation of all financial transactions.

We may be liable for following unauthorized instructions if we fail to follow our established security procedures. However, you will bear the risk of a loss resulting from instructions entered by an unauthorized third party that we reasonably believe to be genuine.

We may modify or terminate these privileges at any time. You may find it difficult to exercise these privileges during times of extreme market volatility or due to circumstances beyond our control. We are not responsible for lost investment opportunities associated with your failure to transact business with us through the Internet, Interactive Voice Response or over the telephone.

Legal Opinion

Christopher Grinnell, Associate General Counsel for Talcott Resolution has passed upon the validity of the interests in the Contracts described in this prospectus.

Cybersecurity and Disruptions to Business Operations

Our business is highly dependent upon the effective operation of our computer systems and those of our business partners and service providers. Our business is therefore subject to operational and information security risks. These risks include, among other things, the theft, misuse, corruption, and destruction of electronic data; interference with or denial of service; attacks on systems or websites; and unauthorized release of confidential customer or business information. Systems failures and cybersecurity incidents could severely impede our ability to conduct our business and administer the Contract and may adversely affect you and/or your Contract. For instance, a cybersecurity incident may interfere with our ability to process Contract transactions or calculate Contract values, including Accumulation Unit values. Such events could also adversely affect us, as they may result in regulatory fines, financial losses and reputational damage. Cybersecurity incidents may also impact the issuers of securities in which the underlying funds invest, which may cause the funds underlying your Contract to lose value. Financial services companies, such as us, are increasingly the targets of cyber-attacks. While we take significant efforts to protect our systems and data, there can be no assurance that systems disruptions and cybersecurity incidents will always be detected, prevented, or avoided in the future.

We are also exposed to risks related to natural and man-made disasters, and other severe events, such as storms, public health crises, terrorist acts, and military actions, any of which could adversely affect our business operations. While we have a business continuity plan and have taken precautions, we cannot assure you that severe events will not result in interruptions to our business operations, particularly if such events affect our computer systems. Interruptions to our business operations may impair our ability to effectively administer the Contract, including our ability to process orders and calculate Contract values. Additionally, our third-party service providers and other third-parties related to our business (such as financial intermediaries or underlying funds) are subject to similar risks. Successful implementation and execution of their business continuity policies and procedures are largely beyond our control. Disruptions to their business operations may impair our own business operations.

Legal Proceedings

We are involved in claims litigation arising in the ordinary course of business with respect to group and individual life insurance products and annuity contracts. We account for such activity through the establishment of reserves for future policy benefits. We do not believe that there are any legal proceedings that are likely to have a material adverse effect on our ability to meet our obligations under the Contracts or the ability of TDC to perform its obligations as principal underwriter.

The following summary of tax rules does not provide or constitute any tax advice. It provides only a general discussion of certain of the expected federal income tax consequences with respect to amounts contributed to, invested in or received from a Contract, based on our understanding of the existing provisions of the Internal Revenue Code ("Code"), Treasury Regulations thereunder, and public interpretations thereof by the Internal Revenue Service ("IRS") (e.g., Revenue Rulings, Revenue Procedures or Notices) or by published court decisions. This summary discusses only certain federal income tax consequences to United States Persons, and does not discuss state, local or foreign tax consequences.

The term United States Persons means citizens or residents of the United States, domestic corporations, domestic partnerships, trusts or estates that are subject to United States federal income tax, regardless of the source of their income. See "Non-Resident Aliens and Foreign Entities" below regarding annuity purchases by, or payments to, non-U.S. persons.

This prospectus is not intended to provide tax, accounting or legal advice. Please consult with your tax accountant or attorney prior to finalizing or implementing any tax or legal strategy or for any tax, accounting or legal advice concerning your situation .

As used in the following sections addressing "Federal Tax Considerations," the term "spouse" means the person to whom you are legally married, as determined under federal tax law. This may include opposite or same-sex spouses, but does not include those in domestic partnerships or civil unions which are not recognized as married for federal tax purposes. You are encouraged to consult with an accountant, lawyer or other qualified tax advisor about your own situation.

THE DISCUSSION SET FORTH BELOW IS INCLUDED FOR GENERAL PURPOSES ONLY. SPECIAL TAX RULES MAY APPLY WITH RESPECT TO CERTAIN SITUATIONS THAT ARE NOT DISCUSSED HEREIN. EACH POTENTIAL PURCHASER OF A CONTRACT IS ADVISED TO CONSULT WITH A QUALIFIED TAX ADVISER AS TO THE CONSEQUENCES OF ANY AMOUNTS INVESTED IN A CONTRACT UNDER APPLICABLE FEDERAL, STATE, LOCAL OR FOREIGN TAX LAW.

If a non-natural person (e.g., a corporation or a trust) owns a Non- Qualified Contract, the taxpayer generally must include in income any increase in the excess of the account value over the investment in the Contract (generally, the premiums or other consideration paid for the contract) during the taxable year. There are some exceptions to this rule and a prospective owner that is not a natural person should discuss these with a tax adviser.

2.  Other Contract Owners (Natural Persons).

If the taxpayer avoids this 10% penalty tax by qualifying for the substantially equal periodic payments exception and later such series of payments is modified (other than by death or disability), the 10% penalty tax will be applied retroactively to all the prior periodic payments (i.e., penalty tax plus interest thereon), unless such modification is made after both (a) the taxpayer has reached age 59½ and (b) 5 years have elapsed since the first of these periodic payments.

e.  Required Distributions.

f.  Addition of Rider or Material Change

g.  Partial Exchanges

While no attempt is being made to discuss in detail the Federal estate tax implications of the Contract, a purchaser should keep in mind that the value of an annuity contract owned by a decedent and payable to a beneficiary who survives the decedent is included in the decedent’s gross estate. Depending on the terms of the annuity contract, the value of the annuity included in the gross estate may be the value of the lump sum payment payable to the designated beneficiary or the actuarial value of the payments to be received by the beneficiary. Consult an estate planning advisor for more information. Under certain circumstances, the Code may impose a generation-skipping (“GST”) tax when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations issued under the Code may require us to deduct the tax from your Contract, or from any applicable payment, and pay it directly to the IRS.

The federal estate tax, gift tax, and GST tax exemptions and maximum rates may be adjusted each year. The potential application of these taxes underscores the importance of seeking guidance from a qualified adviser to help ensure that your estate plan adequately addresses your needs and those of your beneficiaries under all possible scenarios.

H. Transfers, Assignments or Exchanges of a Contract

A transfer or assignment of ownership of a Contract, the designation of an annuitant other than the owner, the selection of certain maturity dates, or the exchange of a Contract may result in certain tax consequences to you that are not discussed herein. An owner contemplating any such transfer, assignment or exchange, should consult a tax advisor as to the tax consequences.

Certain governmental employers, or tax-exempt employers other than a governmental entity, can establish a Deferred Compensation Plan under Code Section 457. For these purposes, a “governmental employer” is a State, a political subdivision of a State, or an agency or an instrumentality of a State or political subdivision of a State. A Deferred Compensation Plan that meets the requirements of Code Section 457(b) is called an “Eligible Deferred Compensation Plan” or “Section 457(b) Plan.” Code Section 457(b) limits the amount of contributions that can be made to an Eligible Deferred Compensation Plan on behalf of a participant. Generally, the limitation on contributions is the lesser of (1) 100% of a participant’s includible compensation or (2) the applicable dollar amount ($23,500 for 2025). The Plan may provide for additional “catch-up” contributions. In addition, under Code Section 457(d) a Section 457(b) Plan may not make amounts available for distribution to participants or beneficiaries before (1) the calendar year in which the participant attains age 701⁄2, (2) the participant has a severance from employment (including death), (3) the participant is faced with an unforeseeable emergency (as determined in accordance with regulations), or (4) distributions made after 12/29/2025 for qualified long term care distributions as described in Code Section 401(a)(39).

For non-periodic amounts from certain Qualified Contracts or Plans, Code Section 72(e)(8) provides special rules that generally treat a portion of each amount received as a tax-free recovery of the "investment in the contract," based on the ratio of the "investment in the contract" over the Account Value at the time of distribution. In many cases, the “investment in the contract” under a Qualified Contract can be zero.

(a) Age 70½ for individuals who attain that age before 2020;

(b) Age 72 for individuals who attain that age in 2020 through 2022;

(c) Age 73 for individuals who attain that age in 2023 through 2032;

(d) Age 75 for individuals who attain that age after 2032; or

(a)     For If an individual dies before reaching the Required Beginning Date, for eligible designated beneficiaries as defined in Code Section 401(a)(9)(E)(ii), the RMD rule will be deemed satisfied if distributions begin before the close of the calendar year following the individual’s death to a designated beneficiary and distribution is over the life of such designated beneficiary (or over a period not extending beyond the life expectancy of such beneficiary). If the individual’s surviving spouse is the sole designated beneficiary, distributions may be delayed until the deceased individual would have attained their Required Beginning Date. For all other designated beneficiaries the individual’s entire interest generally must be distributed by the end of the calendar year containing the tenth anniversary of the individual’s death..

(b)    If an individual dies after RMDs have begun for such individual, any remainder of the individual’s interest generally must be distributed at least as rapidly as under the method of distribution in effect at the time of the individual’s death, and if a designated beneficiary is not an eligible designated beneficiary must also be distributed by the end of the calendar year containing the tenth anniversary of the individual’s death.

“Eligible rollover distributions” from section 401(a), 403(a), 403(b), and governmental 457(b) plans are subject to a mandatory federal Income tax withholding of 20%. An eligible rollover distribution is any distribution to an employee (or employee’ spouse or former spouse as beneficiary or alternate payee) from such a plan, except certain distributions such as distributions required by the Code, distributions in a specified annuity form, or hardship distributions. The 20% withholding does not apply, however, to nontaxable distributions or if (i) the employee (or employee’s spouse or former spouse as beneficiary or alternate payee) chooses a “direct rollover” from the plan to a tax qualified plan, IRA, Roth IRA or tax sheltered annuity or to a governmental 457 plan that agrees to separately account for rollover contributions; or (ii) non-spouse beneficiary chooses a “direct rollover” from the plan to an IRA established by the direct rollover.

Eligible rollover distributions or distributions from an IRA that are rolled over an IRA within 60 days are not immediately taxable. An individual can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs that are owned. The limit will apply by aggregating all of an individual’s IRAs, including SEP and SIMPLE IRAs as well as traditional and Roth IRAs, effectively treating them as one IRA for purposes of the limit. This limit does not apply to direct trustee-to-trustee transfers or conversions to Roth IRAs.

Appendix A - Investment Options Available Under The Contract

The following is a list of fixed interest investment options currently available under the Contract. We may change the features of the fixed interest investment options listed below, offer new fixed interest investment options, and terminate existing fixed interest investment options. We will provide you with written notice before doing so. For more information about the fixed interest investment options available under the Contract, see The Contract – B. Fixed Interest Investment Options.

Note: If amounts are Surrendered or otherwise removed from a Guarantee Period prior to the end of the Guarantee Period, we may apply an MVA. This may result in a significant reduction in the value of your Contract. See The Contract – F. Charge, Fees, and Adjustments – Market Value Adjustment for more information.

Name			Term			Minimum Guaranteed Interest Rate
Guarantee Period			1 Year			4.5%
Guarantee Period			2 Years			4.5%
Guarantee Period			3 Years			4.5%
Guarantee Period			4 Years			4.5%
Guarantee Period			5 Years			4.5%
Guarantee Period			6 Years			4.5%
Guarantee Period			7 Years			4.5%
Guarantee Period			8 Years			4.5%
Guarantee Period			9 Years			4.5%
Guarantee Period			10 Years			4.5%

The Statement of Additional Information ("SAI") contains additional information about Talcott Resolution and the Contract. The SAI is dated the same date as this prospectus, and is incorporated by reference into this prospectus. The SAI is available without charge, upon request. To request copies of the SAI, request information about your Contract, and make other inquiries about your Contract, call us at 1-800-862-6668. Copies of the SAI and other information are also available on the following website www.talcottresolution.com .

EDGAR identifier: C[ ]

 

Statement of Additional Information

Talcott Resolution Life Insurance Company

CRC Harvestor

This Statement of Additional Information is not a prospectus. The information contained in this document should be read in conjunction with the prospectus.

To obtain a prospectus, send a written request to Talcott Resolution Life Insurance Company, P. O. Box 14293, Lexington, KY 40512-4293, call 1-800-862-6668, email us at asccontactus@talcottresolution.com, or visit:

Date of Prospectus: May 1, 2025

Date of Statement of Additional Information: May 1, 2025

Table of Contents

			Page
General Information and History			1
Services			2
Experts			2
Exela Technologies			2
Principal Underwriter			2
Market Value Adjustment Calculations			2
The MVA Formula			2
Examples			2
Other Information			3
Non-Participating			3
Misstatement of Age or Sex			3
Financial Statements			3
Changes In and Disagreements with Accountants			3

General Information and History

Talcott Resolution Life Insurance Company

Talcott Resolution Life Insurance Company (the "Company") is a stock life insurance company originally incorporated under the laws of Massachusetts on June 5, 1902, and subsequently re-domiciled to Connecticut. Talcott Resolution Life Insurance Company is authorized to do business in all states of the United States and the District of Columbia. In June 2018, the Company changed its name from Hartford Life Insurance Company to Talcott Resolution Life Insurance Company.

Our corporate offices are located at 1 American Row, Hartford, CT 06103.

Talcott Resolution Life Insurance Company is a direct, wholly owned subsidiary of TR Re, Ltd. an approved Class E insurer under the Bermuda Monetary Authority. Our indirect parents are Talcott Resolution Life, Inc., a Delaware corporation and Talcott Holdings, L.P., a Delaware limited partnership. Our ultimate parent is Talcott Financial Group Investments, LLC. ("TFGI"), a Bermuda exempted limited liability company. We are ultimately controlled by A. Michael Muscolino and Alan Waxman.

Non-Principal Risks of Investing in the Contract

All non-principal risks are disclosed in the Prospectus.

Services

Experts

The consolidated financial statements and the related financial statement schedules of Talcott Resolution Life Insurance Company as of December 31, 2024 and 2023, and for each of the three years in the period ended December 31, 2024, included in this Statement of Additional Information, have been audited by Deloitte & Touche, LLP, an independent registered public accounting firm, as stated in their reports. Such financial statements and financial statement schedules are included in reliance upon the reports of such firm given their authority as experts in accounting and auditing. The principal business address of Deloitte & Touche LLP is CityPlace I, 33rd Floor, 185 Asylum Street, Hartford, Connecticut 06103-3402.

Exela Technologies

Exela Technologies ("Exela"), formerly known as Regulus Group, LLC, which has its principal office at 2701 E. Grauwyler Road, Irving, TX 85061, provides certain mail room and indexing services to us in connection with our administration of our annuity products. Exela is not affiliated with us, the Separate Account(s) or any of our affiliates, including the Contract's principal underwriter, Talcott Resolution Distribution Company, Inc. We pay Exela for its services on a monthly basis for the work performed based on volume and and its complexity. The dollar amount of fees paid to Exela in 2024 was $461,927, in 2023 was $361,062 and in 2022 was $321,358.

Principal Underwriter

The Contracts, which are offered continuously, are distributed by Talcott Resolution Distribution Company, Inc. (“TDC”). TDC serves as Principal Underwriter for the Contracts. TDC is registered with the Securities and Exchange Commission under the Securities Exchange Act of 1934 as a Broker-Dealer and is a member of the Financial Industry Regulatory Authority, Inc. TDC is an affiliate of ours. Both TDC and Talcott Resolution are ultimately controlled by A. Michael Muscolino and Alan Waxman. The principal business address of TDC is 1 American Row, Hartford, CT 06103.

We currently pay TDC underwriting commissions for its role as Principal Underwriter. For the past three years, the aggregate dollar amount of underwriting commissions paid to TDC in its role as Principal Underwriter has been: 2024: $5,201,577; 2023: $4,304,414; and 2022: $7,943,007.

Market Value Adjustment Calculations

A. The MVA Formula

We may apply an MVA to amounts in a Guarantee Period that are Surrendered (including Partial and Full Surrenders), transferred, or annuitized prior to the end of the Guarantee Period. An MVA is a positive, negative, or zero adjustment to the proceeds of your transaction. A negative MVA will result in loss, and this loss may be significant. See The Contract – F. Charges and Fees – Market Value Adjustment and G. Surrenders in the prospectus for more information.

The amount of the MVA is based on a formula that takes into account changes in market interest rates and the amount of time left in your Guarantee Period at the time of your transaction. The formula that will be used to determine the MVA is [(1 + i)/(1 + j)] n/12 .

Where:

i =    The Guarantee rate in effect for the current Guarantee Period (expressed as a decimal, e.g., 1% = .01);

j =    The current rate (expressed as a decimal, e..g., 1% = .01) in effect for durations equal to the number of years remaining in the current Guarantee Period (years are rounded to the nearest whole number of years); and

n = The number of complete months from the surrender date to the end of the then current Guarantee Period.

B. Examples

Below are examples of how an MVA and surrender charges would affect the proceeds of a Full Surrender during a 5-year Guarantee Period. For the purpose of these examples, we have made the assumption that no other Partial Surrenders or pre-authorized distributions of interest occurred prior to the Surrender shown. The hypothetical interest rates are illustrative only and are not intended to predict future interest rates to be declared under the Contract. Actual interest rates declared for any given time may be more or less than those shown.

1.    Upward Numerical Example

In the following example, interest rates have decreased since the Contract was issued. As a result, the Contract holder experiences a positive MVA upon Surrender.

Initial Guarantee Period						5 years
(i)						0.07
Assume that the Contract is surrendered at end of year 2. The account value is $10,000 and the surrender charge is 6%.

Number of months remaining until end of Guarantee Period (n)						36 months
(j)						0.06

Therefore, MVA Formula = [(1+0.07)/(1+0.06)] 36/12 = 1.0286

The amount received upon Surrender is $9,668.84 = 1.0286 x $10,000 x (1 – 0.06)

2.    Downward Numerical Example

In the following example, interest rates have increased since the Contract was issued. As a result, the Contract holder experiences a negative MVA upon Surrender.

Initial Guarantee Period						5years
(i)						0.07
Assume that the Contract is surrendered at end of year 2. The account value is $10,000 and the surrender charge is 6%
Number of months remaining until end of Guarantee Period (n)						36 months
(j)						0.08

Therefore, MVA Formula = [(1+0.07)/(1+0.08)] 36/12 = 0.9725

The amount received upon Surrender is $9,141.50 = 0.9725 x $10,000 x (1 – 0.06)

Other Information

Non-Participating

The Contract is non-participating and we pay no dividends.

Misstatement of Age or Sex

If an Annuitant’s age or sex was misstated on the Contract, any Contract payments or benefits will be determined using the correct age and sex. If we have overpaid Annuity Payouts, an adjustment, including interest on the amount of the overpayment, will be made to the next Annuity Payout or Payouts. If we have underpaid due to a misstatement of age or sex, we will credit the next Annuity Payout with the amount we underpaid and credit interest.

Financial Statements

The financial statements of Talcott Resolution Life Insurance Company are included in this Statement of Additional Information. The financial statements of the Company only bear on the Company's ability to meet its obligations under the Contracts.

Changes in and Disagreements with Accountants

None.