A New Way to Supplement Your Retirement Savings Hartford's Personal Retirement Manager Variable Annuity provides a way to supplement retirement income with a single investment that offers both predictable lifetime income plus investment opportunity. This single investment includes two features, each with its own focus: An investment component providing a broad choice of investment options for tax-deferred growth potential. And a separate income component—which we call the Personal Pension Account—that provides predictable lifetime income that can be customized to your specific needs.

Additional Resources: Retirement Income Worksheet Product Brochure Product Guide

Talk to your financial advisor about Hartford's Personal Retirement Manager Variable Annuity.

The Personal Pension Account is a fixed deferred investment option available within Hartford's Personal Retirement Manager Variable Annuity.

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.

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Effective 8/16/10, The Hartford's Personal Retirement Manager with Hartford Leaders variable annuity has been renamed Hartford's Personal Retirement Manager variable annuity. The product information and performance shown for Hartford's Personal Retirement Manager aslo applies to The Hartford's Personal Retirement Manager with Hartford Leaders contracts purchased after 10/19/09.

Please refer to prospectus for more information regarding lifetime income limitations.

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.

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.

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.

Hartford's Personal Retirement Manager Variable Annuity is 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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