The Evolution of Retirement Planning Retirement planning used to be easy. Thirty years earned you a heartfelt handshake and a lifetime pension.  Today, dependable pension income is increasingly being replaced by the investment opportunity found in self-directed contribution plans, such as 401(k)s. But with investment opportunity comes investment risk, as we've so painfully seen over the past year.

Additional Resources: Retirement Income Worksheet Product Brochure Product Guide

What if there was a single investment that provided:

• Guaranteed income, regardless of market volatility *
• Income that you could customize to your specific needs 
• Annual income that could last your whole life
• Investment opportunity that has the potential to help you keep pace with inflation — and help you afford the things that can transform a mundane retirement into a meaningful one
• A death benefit that could provide for your beneficiaries if you no longer could

Would you be interested in supplementing your retirement savings with such an investment? Now you can with The Hartford's Personal Retirement Manager with Hartford Leaders^® Variable Annuity.

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

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Death benefits may be subject to ordinary income taxes. Death benefits may also be included in the contract owner’s gross estate for estate tax purposes.

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. Early surrender charges may also apply.

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 your own tax or legal counsel for advice.

If you are investing in a variable annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a variable annuity. Under these circumstances, you should only consider buying a variable annuity if it makes sense because of the annuity's other features, such as lifetime income payments and death benefit protection.

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

You should carefully consider the investment objectives, risks, and charges and expenses of a Hartford variable annuity and its underlying funds before investing. For this and other information, please obtain a prospectus from your investment representative, call 1-800-862-6668, or view one online. Please read it carefully before you invest or send money.



 

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