Hartford Financial Services Group Company

							Overview




           1
                                    The Hartford
                  provides access to online
        retirement planning and investment guidance
                           through
                Morningstar® ClearFuture®


     Will you retire on target?



“The Hartford” is Hartford Financial Services Group, Inc. and its subsidiaries, including issuing
company Hartford Life Insurance Company.
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Confused about planning for retirement?

   What is my retirement goal?
   How much should I be saving?
   How much income can I expect in retirement?
   In which retirement plan investment choices should I
    invest?
   How much should I invest in each?
   When, and why, should I make investment changes?
   When will I be able to retire?




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Retire on Target.




                    4
Retirement Plan Investment
Recommendations which are ….
   Personalized - all recommendations factor in your risk
    tolerance, your time horizon and your unique goals
   Objective - Morningstar Associates, LLC is an
    independent investment adviser and has no vested
    interest in any of the investments recommended
   Customized - all recommendations reflect the features
    and investment choices in your company retirement
    plan
   Professional - Morningstar Associates, LLC is a
    federally registered investment adviser



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Morningstar ClearFuture is ...


   Convenient - around-the-clock access via the Internet
   Easy - log in from home, work, or wherever you are
   Fast - receive a personalized recommendation on how
    to invest in your retirement plan in 20 minutes or less
   Secure - Morningstar uses leading-edge encryption
    technology to ensure confidentiality at all times




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Easy Access


   First log in to
    http://retire.hartfordlife.com
    and click on
    HartfordOnline Access
   Once you enter into your
    Hartford account, click on
    “ClearFuture®” under the
    “Transactions” menu
   OR, take a self-guided
    tour




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Easy Access




   Read and accept the
    advice disclaimer by
    The Hartford




                           8
   Read and accept the
    Morningstar ClearFuture
    Advisory Agreement and
    Privacy Policy before getting
    into ClearFuture




                                    9
           Step 1: Getting Started

                                                        All you have to do is tell us a little bit
                                                        about yourself. Your company provides
                                                        census data so many of the fields will
                                                        already be pre-populated.


Step 1 is a breeze!




Step 2: Current          Step 2. We’ll gather all relevant financial information.


Situation

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         Step 3: Pick A Plan


                                         Step 4: Bear Market
                                         Simulator
Step 3. Suggested plan.




                          Step 4. Let’s see how you react.




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           Step 5: Investment Recommendations



                                                                 Step 6: Action List
Step 5. Specific investment recommendations.




                                         Step 6. TAKE ACTION TODAY!




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Learning Station — Tools


   Tools are fun, tailored to you, and provide
    suggested action!
   The short articles save you time!
    1.   Five Minute Guide
    2.   Specific Concerns
    3.   Custom Course
    4.   Browsing Room
    5.   Tool Box

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Five Minute Guide



                                        Specific Concerns
         Questions & Answers
         One of the smartest ways
         to help pay for your child’s
         college education is to:
         Begin saving for tuition




                                                Make a Selection
                                                --------------------
                                                How much can I
                                                contribute?
                                                Do I have enough
                                                to retire?




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         Custom Course

Not sure what to
read? Answer
these 12 questions

                                         Browsing Room
and we’ll build a
custom investment
course for you.




                         Sections
                         The Basics of
                         Investing
                         The Importance of
                         Planning




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Research Lab
   Overview of investment choices
   Customized search capabilities
   Morningstar® Investment Profile™ reports




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                                                    Will you
                             retire on target?

“The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life I nsurance Company.
Retirement programs are funded by group variable annuity contracts (HL-15811, HVL-11002 and HVL-21002 series, HVL-14000, HVL-14001
and HVL-20000, HL-14848, HL-15420 with Rider HL-16957 and HVL-11002 and HVL-21002 series for NY, HL-14991, NY & FL: HL-
14973) and group variable funding agreements (HL-16553 and HL-16553 for NY), or The Hartford Mutual Funds. Group variable annuities and
group variable funding agreements issued by Hartford Life Insurance Company. Group variable annuity contracts are underwritte n and
distributed by Hartford Securities Distribution Company, Inc. where applicable. The Hartford Mutual Funds are underwritten an d distributed by
Hartford Investment Financial Services, LLC. For more complete information on The Hartford's group variable annuities, group variable funding
agreements, or The Hartford Mutual Funds, including charges and expenses, call us at 1-800-874-2502 to obtain a prospectus or disclosure
documents (including the Program Overview, Program Highlights, Investment Option Fee Schedule and applicable historical inves tment option
performance information), whichever is applicable. Read this material carefully before you invest or send money.


Neither The Hartford nor its agents or employees provide investment, financial, tax, legal or accounting advice. Please cons ult with professional
advisors if you need these services.
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