Permanent life insurance provides you with a valuable death benefit at a time of loss and need. But if you take a closer look, you'll see that it has the potential to offer so much more.

The Hartford's permanent life insurance portfolio

• Hartford Leaders VUL Liberty 
• Hartford Leaders VUL Legacy 
• Hartford Leaders VUL Joint Legacy II 

• Hartford Bicentennial UL Freedom 
• Hartford Bicentennial UL Founders II
• Hartford Bicentennial UL Joint Freedom II 
• Hartford ExtraOrdinary Whole Life  

The Facts of Life

The death benefit provided by life insurance is a key component of a sound financial plan. The right amount of life insurance coverage can help you protect your family's current life style — without it, the loss of income could mean that a major change in lifestyle or standard of living may be required to meet expenses.

Beyond the Death Benefit

While life insurance is primarily purchased for the death benefit, permanent life insurance offers additional benefits that you can experience while you are living; those benefits are referred to as living benefits. Living benefits can be in the form of policy cash value, optional riders and policy features and can provide resources for helping with:

• Supplementing retirement income
• Preparing for chronic illness
• Disability income
• Business planning
• College tuition
• Charitable planning

Learn more about the living benefits of life insurance through the Change Your Perspective on LIFE brochure .

Insurance for Your Lifetime

The death benefit provided by life insurance is critical for those who depend on you financially. But understanding how you and your family or business can gain from the living benefits of a policy is also important. Take a look at how life insurance can help you throughout your life:

	In your 20s	In your 30s	In your 40s	In your 50s	In your 60s
What typically matters most	Building a career Living independently Managing debt	Advancing your career/maintaining employment Building a family Paying off debt Saving	Retirement savings Maintaining your career Fulfilling your goals Protecting your family	Retirement savings Healthcare costs Taking care of aging parents	Inflation Retirement income Estate planning Long-term care
What life insurance can do for you…	Generally, the cost for insurance is substantially lower when you are younger and in better health. Therefore, purchasing a policy now can help offset the increased cost as you age A means to start accumulating policy value, tax-deferred	Save for the future with tax-deferred accumulation potential Ability to access policy cash values for unforeseen events Use policy proceeds to pay off mortgage in the event of death	Use policy values to help fund college tuition for children Replace lost income in the event of death Build policy cash value for later withdrawal in retirement	Use policy values or an optional rider to help pay for chronic-illness care Build policy cash value for later withdrawal in retirement	Use policy withdrawals to help supplement retirement income Use policy values or an optional rider to help pay for chronic-illness care Create liquidity at death to cover estate liabilities

The Hartford's Perspective

The Hartford's perspective is that life insurance can help you create a sound financial strategy for your family, future generations and for today while you are living. Talk to a financial professional to see how life insurance can help you fulfill your hopes and dreams.

Both loans and withdrawals from a permanent life insurance policy may be subject to penalties and fees and, along with any accrued loan interest, will reduce the policy's Account Value and Death Benefit. Depending upon the performance of a VUL policy's investment choices, the Account Value may be worth more or less than the original amount invested in the policy. Assuming a policy is not a Modified Endowment Contract (MEC), withdrawals are taxed only to the extent that they exceed the policyowner’s cost basis in the policy and usually loans are free from current Federal taxation. A policy loan could result in tax consequences if the policy lapses or is surrendered while a loan is outstanding. Distributions from MECs are subject to Federal income tax to the extent of the gain in the policy and taxable distributions are subject to a 10% additional tax prior to age 59½, with certain exceptions.

This information is written in connection with the promotion or marketing of the matters 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.

You should carefully consider the investment objectives, risks, and charges and expenses of any variable universal life insurance policy and its underlying funds before investing. This and other information can be found in the prospectus for the variable universal life insurance policy, the prospectuses for the underlying funds and appropriate product information, which can be obtained from your financial professional or by calling (800) 231-5453. Please read them carefully before you invest or send money.

"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing companies of Hartford Life Insurance Company (HLI) (New York) and Hartford Life and Annuity Insurance Company (HLA) (Outside New York), Simsbury, CT. The mailing address for both issuers is PO Box 2999, Hartford, CT 06104-2999.

Variable life insurance products discussed in this material are distributed by Hartford Equity Sales Company, Inc. (HESCO), a broker/dealer affiliate of The Hartford.

Hartford Leaders VUL Liberty is a flexible premium variable universal life insurance policy. HLI policy form # HL-15898(03)(NY). HLA policy form # LA-1240(03) and may include state abbreviations. Features may vary by state.

Hartford Leaders VUL Legacy is a flexible premium variable universal life insurance policy. HLI policy form # HL-15894(03)(NY). HLA policy form # LA-1238(03) and may include state abbreviations. Features may vary by state.

Hartford Leaders VUL Joint Legacy II is a last survivor flexible premium variable universal life insurance policy. HLI policy form # HL-19217(06)(NY). HLA policy form # LA-1287(06) and may include state abbreviations. Features may vary by state.

Hartford Bicentennial UL Freedom is a flexible premium universal life insurance policy. HLI policy form # HL-15908(04)(NY). HLA policy form # LA-1252(04) and may include state abbreviations. Features may vary by state.

Hartford Bicentennial UL Joint Freedom II is a last survivor flexible premium universal life insurance policy. HLI policy form # HL-15925(05)(NY). HLA policy form # LA-1264(05) and may include state abbreviations. Features may vary by state.

Hartford Bicentennial UL Founders II is a flexible premium universal life insurance policy. HLI policy form # HL-19263(08)(NY)Rev. HLA policy form # LA-1308(08)Rev and may include state abbreviations. Features may vary by state.

Hartford ExtraOrdinary Whole Life is a nonparticipating whole life insurance policy. HLI policy form # HL-19250(07)(NY). HLA policy form # LA-1310(07) and may include state abbreviations. Features may vary by state.

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