Employer-sponsored retirement plans allow you to save for retirement through an investment savings plan offered by your employer. You contribute a portion of your paycheck to the plan, choosing from a number of investment options from a diverse list of money managers. Your contributions may lower your taxable income and can accumulate tax deferred until you begin making withdrawals.¹

Types of Retirement Plans

• 401(k) retirement plans, the most common retirement plan offered today, are designed for small to large employers (tax-exempt and for-profit entities) who want to offer a salary reduction plan with a maximum number of design options.
• 403(b) retirement plans are available to organizations such as hospitals, nursing homes, charitable organizations, public/private school systems, colleges and universities. 403(b) tax-sheltered annuity plans enable employees to set aside a portion of their salary on a pre-tax basis. Employer contributions are also permitted.
• 457 retirement plans are available to state and local government entities and their agencies including public schools. 457(b) deferred compensation plans enable employees to set aside a portion of their salary on a pre-tax basis and also permit employer contributions. Government entities may also choose to provide an employer contribution to a 401(a) qualified plan.

Why Participate
Employer-sponsored retirement plans offer a tax deferral opportunity and an effective way to maximize your retirement savings through payroll deduction. If your employer offers a plan, take full advantage and consider contributing as much as you can up to the applicable limit. The effects could be small on your take-home pay, but potentially large on your account balance.

The Hartford's Retirement Plans
The Hartford's retirement plans include a range of investment vehicles (with no proprietary requirements) from which to choose, plus award-winning service and unparalleled pre- and post-sale support. For details on your plan (if you have one through The Hartford), visit http://retire.hartfordlife.com/.

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¹ Withdrawals are generally subject to ordinary income tax, and if taken prior to age 59 ½ , a 10% federal income tax penalty may apply to amounts distributed from your plan which are attributable to an IRA or other qualified plan. Early surrenders may also be subject to a Contingent Deferred Sales Charge (CDSC).

"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company and Hartford Securities Distribution Company, Inc. ("HSD").

Hartford Securities Distribution Company (member FINRA and SIPC), a registered broker/dealer affiliate of The Hartford, has established certain service programs for retirement plans, including defined contribution employee retirement benefit plans, through which a sponsor or administrator of a Plan may invest in mutual funds on behalf of Plan Participants.

Retirement programs can be funded by group variable annuity products (HL-14991; NY & FL; HL-14973; HL-15811; HVL-11002 and HVL-21002 series; HVL-14000; HVL-14001; HVL-20000; HL-17402; HL-14848; HL-17402; HL-15420 with Rider HL-16957) and group variable funding agreements (HL-16553 and HL-16553 ((NY)), as applicable, issued by Hartford Life Insurance Company (Simsbury, CT). Group variable annuity contracts are underwritten and distributed by Hartford Securities Distribution Company, Inc., where applicable. Retirement programs can be funded by group fixed annuities (HL-19799) issued by Hartford Life Insurance Company and can also invest in mutual funds through custodial accounts.