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The Hartford Insurance Group

The Hartford's Personal Retirement Manager

Suite of Variable Annuities

five guarantees. one annuity.

Hartford's Personal Retirement Manager may be your solution to them all.

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Personalized protection option

Protect principal while pursuing growth potential.

Safety Plus (GMAB)

Guarantees the return of all first-year premium invested after 10 years. (Investment restrictions apply.)

Personalized protection option

Protect an income base while growing it by a deferral bonus for up to 10 years and market-based step-ups when applicable. (Investment restrictions apply.)

Future6 & Future5 (GMWB)

Help secure a future lifetime income stream with the potential for growth.

Personalized protection option

Create a guaranteed lifetime income stream with tax advantages while avoiding equity exposure.

Personal Pension Account

Guarantees age-based lifetime income, plus tax advantages and legacy protection.

Personalized protection option

Avoid having market losses erode their legacy while potentially capturing gains.


Lock-in a legacy of either cumulative premiums paid or the highest value attained on a Contract Anniversary Value (adjusted for withdrawals).

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult a tax or legal counsel for advice.

See prospectus and product guide for associated charges for Safety Plus, Future6 and Future5. These riders also have investment requirements and limitations. These riders can provide significant benefits for suitable investors. The Personal Pension Account is available at any time on all Contracts. Only one optional protection rider may be elected. See each specific rider brochure to determine what rider, if any, may be right for your clients given the features, costs and requirements.

Guarantees are based on the claims-paying ability of the issuing company.

Variable annuities are long-term investment products in which all interest, dividends, and capital gains accumulate tax deferred. Variable annuities are subject to market fluctuation, investment risk, and possible loss of principal. Your clients should understand the risks, expenses, and possible surrender charges before purchasing a VA.

Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 59½, may also be subject to a 10% federal income tax penalty. PPA Payouts from a non-qualified Contract are subject to an exclusion ratio, as they are considered annuitization payments; other distributions received from a nonqualified Contract before the Annuity Commencement Date are taxable to the extent of the income on the Contract. Early surrender charges may also apply. Withdrawals will reduce the death benefit, cash surrender value, and Benefit Balance. Excess withdrawals may impact contract value, death benefit, and any optional guaranteed amounts in an amount more than the actual withdrawal.

The Personal Pension Account should not be confused with a pension plan under The Employee Retirement Income Security Act of 1974, as amended (ERISA). Neither we nor any of our affiliates assume any fiduciary duties with regard to this Contract, as such terms are defined under ERISA laws and regulations. The Personal Pension Account is not a defined benefit plan guaranteed by the Pension Benefit Guaranty Corporation (PBGC) or any federal or state government agency. This feature is not a corporate pension plan issued by us or our affiliates.

Variable annuities are sold by prospectus. The prospectus contains investment objectives, risks, fees, charges, expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing. Instruct your clients to read the prospectus, which can be obtained by calling 800-862-6668, before investing.

"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing companies of the Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company.

Variable annuities are issued by Hartford Life and Annuity Insurance Company and by Hartford Life Insurance Company and are underwritten and distributed by Hartford Securities Distribution Company, Inc.

All information and representations herein are as of 5/11 unless otherwise noted.

For broker/dealer use only.



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