2005NewsArchive_SPPHartfordDisclosure

							                                                                      INTRODUCTION

Welcome to The Hartford’s* Program!
Congratulations! You’ve made a wise choice by deciding to participate in the State of California’s Savings Plus Program. The Hartford
thanks you for your interest in the investment choice available under its DCPlus group variable annuity contract (“Contract”). This
Contract is between The Hartford and your Plan Sponsor. It provides for the accumulation of contributions and payout of accumulated
values under the terms of your employer’s plan – to help enhance retirement income for you and other plan participants.

Drive Your Financial Destiny
The DCPlus group variable annuity program was designed to be flexible so you can have more control over your own financial future.
Under this Contract, your contributions may be invested in the Neuberger Berman Socially Responsive (Trust Class) investment
option.

In addition, when you are eligible to receive your benefits under this Plan, the Program offers you payment choices designed to suit
your needs. You may select one of several available payout options, or a lump sum cash option.

Your Disclosure Document: A Detailed Program Summary
This booklet is intended for use by participants of the State of California Savings Plus Deferred Compensation 457 and/or Thrift
401(k) Plans (“Plans” or “Plan”). In it, you will find important information on all of the key aspects of The Hartford’s DCPlus group
variable annuity program.

Please note that comprehensive information about your Plan, and the full range of investment choices under your Plan, are available
directly from the Nationwide Retirement Services Corporation (“NRS”). Also note that all participant account recordkeeping and
related services are provided by NRS. The Plan is governed exclusively by the provisions of your Plan documents and not by this
disclosure booklet. Significant efforts have been made to insure the accuracy of this booklet. However, in the event of a discrepancy
between this disclosure booklet and the Plan documents or the Contract, the terms of the Plan documents or the Contract, as applicable,
will prevail.

                                               CONTRIBUTIONS TO YOUR INDIVIDUAL ACCOUNT

When you contribute to the Plans, NRS will establish an account in your name. This account is called your "Individual Account." The
value of your Individual Account equals the total of all your contributions plus any earnings. Distributions from this account and
investment losses (if any), reduce the value of your Individual Account. In addition, certain charges and expenses may be deducted
from your Individual Account (See “Contract Charges & Expenses”).

                                                                  INVESTMENT ELECTIONS

You can direct your contributions into the investment choice available under Hartford Life’s program. Your investment election will
remain in effect until you change it.

                                                           VARIABLE INVESTMENT OPTIONS

The variable investment option is invested exclusively in a sub-account of one of The Hartford’s Separate Accounts which, in turn,
invests exclusively in the assets of an underlying mutual fund. Your contributions buy “accumulation units” in the variable investment
option. The value of your individual account invested in a variable investment option is equal to the number of accumulation units in
your account for that variable investment option multiplied by the appropriate unit value. The unit value for the sub-account is
recalculated daily and reflects the investment performance of the underlying mutual fund, less all applicable total fund operating
expenses charged at the underlying fund level, and mortality expense risk and administrative expenses (if any) charged at the Separate
Account level. Therefore, the unit value of a variable investment option may increase or decrease, reflecting the investment experience
of the variable investment option.

                                                         SUBSTITUTIONS AND ADDITIONS

If the investment choice available under The Hartford’s program become unavailable, or if we believe that further investment in an
investment option is inappropriate for the purposes of the Contract, subject to approval by the Plan Sponsor, we may substitute another
investment option. However, we will not make any substitutions without obtaining applicable approval. From time to time, subject to
the approval of the Plan Sponsor, we may make new investment choices available.

*The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company.
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                                                 AVAILABLE INVESTMENT OPTIONS

You can direct your contributions into the investment option detailed on the following chart.

                Investment Option                                                             Objective

 Neuberger Berman Socially Responsive         Neuberger Berman Socially Responsive seeks long-term growth of capital by investing
                                              primarily in securities of companies that meet the fund's financial criteria and social
                                              policy. To pursue this goal, the fund invests mainly in common stocks of mid- to large-
                                              capitalization companies. The fund seeks to reduce risk by investing across many
                                              different industries.



                                                CONTRACT CHARGES AND EXPENSES

Underlying Fund Level Investment Management or Advisory Fee:
This is a charge that is paid by the fund directly to the fund advisor or sub-advisor for investment management and related services in
accordance with investment objectives, policies and restrictions. Services include all determinations with respect to the purchase and
sale of securities, analysis of credit worthiness of the issuer of each asset and prospective asset, placement of all orders for execution of
portfolio transactions. This fee also provides for transactional costs, the costs of securities administration, accounting and custodial
charges incurred by the underlying fund. Generally, the investment management fee is higher for an actively managed fund then for a
passively managed fund. This fee may be reduced over time as fund assets grow. All underlying funds charge an investment
management fee for these services.

Underlying Fund Level 12b-1 Fee:
This fee may be assessed by an underlying fund issuer to pay for distribution and marketing costs associated with the fund. A portion
of the 12b-1 fee may be paid to Hartford Life to offset its distribution and marketing costs associated with the Hartford Life product.
However, the fee is established and applied uniformly by the issuer of the underlying fund. This fee may not exceed 100 basis points
per annum.

Other Fees and Expenses at the Underlying Fund Level:
This fee is established and charged by the underlying fund issuer to cover expenses for legal, auditing, registration and similar
functions performed in relation to each underlying fund. All underlying funds incur such expenses and charge such fees.

Other Deductions:
A premium tax may be deducted from your account at the time imposed under state or municipal law. In some cases, Premium Taxes
are deducted at the time purchase payments are made; in other cases, Premium Tax is assessed at the time an account is surrendered, at
the time a death benefit is paid, or at the time a participant annuitizes. In addition, certain charges and expenses may be deducted from
your Individual Account.

Deduction for Mortality, Expense Risk and Administrative Undertakings (ME&A). Hartford Life may take a deduction for
ME&A risks from the average daily net assets of each sub-account. The annualized rate of the deduction during the accumulation
phase for such risks has been set at 0.00% of the average daily net assets.

             Investment Option                                                    Underlying Fund Level Fees +
                                                     Program and                                                              Total Fees
                                                                        Investment                             Total Fund
       + Period Ending May 31, 2005                 Administrative                            Other                           & Charges
                                                                        Management 12b-1 Fee                   Operating
                                                    Expense Charge                           Expenses
                                                                           Fee                                  Expenses
     Neuberger Berman Socially Responsive                 0%                0.95%       0.10%       0.21%         1.26%         1.26%




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                                              TRANSFERS AND DISTRIBUTIONS

You can transfer assets among the investment choices as frequently as you wish. Currently, there is no charge for transfers between
investment choices, nor a limit to the number of transfers allowed. Hartford Life may, in the future, charge a fee for any transfer
request or limit the number of transfers allowed and will provide at least thirty (30) days advance written notice to your Plan Sponsor
of its intent to do so.

                                                     OTHER INFORMATION

Nonassignability
Amounts held in your account can’t be sold, assigned or pledged to a third party unless otherwise permitted under the contract and
applicable law.

Inquiries
If you need more information, including prospectus’ for the underlying investment choices, please contact NRS at (866) 566-4777.
Please be sure to include your name, account number, and Plan name in all correspondence.




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