LifeAccess Accelerated Benefit Rider	Having a stroke. Being diagnosed with a debilitating disease. It's unexpected, and can change you and your family's lives instantly. Take measures to help protect yourself and your family in the event that you become chronically ill with a rider that advances your policy's death benefit.
Owner Designated Settlement Option	This rider provides a simple way for you to dictate how your life insurance proceeds will be paid to your elected beneficiaries. The selected settlement option can only be changed by the policy owner.
Guaranteed Minimum Accumulation Benefit Rider	If your policy's account value is less than your cumulative premiums paid (as adjusted for withdrawals and face amount decreases) on the benefit date (typically 20 years), you are guaranteed an account value equal to the adjusted total premiums paid on the benefit date.
Guaranteed Minimum Death Benefit Rider	By electing this rider at issue, you are guaranteed a one time option, at rider maturity (typically 20 years), to obtain a fully paid up policy with a death benefit at least equal to your cumulative paid premiums.
DisabilityAccess Rider (a Disability Income Rider)	The effect of a disability could be financially devastating. When you and your family depend on your income, you need a protection strategy. This rider provides a monthly benefit for up to 24 months to help bridge the gap between disability and receipt of Social Security disability benefits if the insured is totally disabled and otherwise satisfies the conditions of the rider.
Accelerated Death Benefit Rider for Terminal Illness	Although no one likes to think of what could happen tomorrow, you can help prepare for the unexpected. In the event that you have a life expectancy of one year or less, and you have elected this rider at issue, up to 100% of your death benefit can be accelerated.
Accidental Death Benefit	In the event of an accidental death, know your beneficiaries will be provided for with an increased death benefit.
Child Rider	Provides $5,000 or $10,000 of term coverage on each of your children who, at issue, are age 16 days to 14 years.
Cost of Living Adjustment Rider	Inflation happens. Schedule face amount increases to adjust to a higher cost of living. Biannual face increases underwritten today are based on the Consumer Price Index.
Overloan Protection Rider	Can protect a highly-loaned policy from lapsing.
Term Rider	Provides additional term insurance for you or a family member.
Waiver of Monthly Deductions	Circumstances can change quickly. Know that in the event that you become disabled, your policy's deductions can be waived.
Waiver of Specified Amount Disability Benefit	You have the flexibility to control your premium payments. And you also have the security of having those specified premium payments credited back to your account if you should become disabled.

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.

The no-lapse guarantee will not be available when there are outstanding policy loans.

All guarantees within the policy are based on the claims-paying ability of the issuing company. The guarantee does not apply to any variable investment option.

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.

LIF 8565-3