Overview

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• Overview

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The Hartfordprovides access to online
retirement planning and investment guidance
through Morningstar ClearFuture

• Will you retire on target?
• The Hartford is Hartford Financial Services
  Group, Inc. and its subsidiaries, including
  issuing
• company Hartford Life Insurance Company.

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Confused about planning for retirement?

• What is my retirement goal?
• How much should I be saving?
• How much income can I expect in retirement?
• In which retirement plan investment choices
  should I invest?
• How much should I invest in each?
• When, and why, should I make investment changes?
• When will I be able to retire?

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• Retire on Target.

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Retirement Plan Investment Recommendations which
are .

• Personalized - all recommendations factor in your
  risk tolerance, your time horizon and your unique
  goals
• Objective - Morningstar Associates, LLC is an
  independent investment adviser and has no vested
  interest in any of the investments recommended
• Customized - all recommendations reflect the
  features and investment choices in your company
  retirement plan
• Professional - Morningstar Associates, LLC is a
  federally registered investment adviser

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Morningstar? ClearFuture? is ...

• Convenient - around-the-clock access via the
  Internet
• Easy - log in from home, work, or wherever you
  are
• Fast - receive a personalized recommendation on
  how to invest in your retirement plan in 20
  minutes or less
• Secure - Morningstar uses leading-edge encryption
  technology to ensure confidentiality at all times

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Easy Access

• First log in to http//retire.hartfordlife.com
  and click on HartfordOnline Access
• Once you enter into your Hartford account, click
  on ClearFuture under the Transactions menu
• OR, take a self-guided tour

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Easy Access

• Read and accept the advice disclaimer by The
  Hartford

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• Read and accept the Morningstar? ClearFuture?
  Advisory Agreement and Privacy Policy before
  getting into ClearFuture

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Step 1 Getting Started
All you have to do is tell us a little bit about
yourself. Your company provides census data so
many of the fields will already be pre-populated.
Step 2 Current Situation
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Step 3 Pick A Plan
Step 4 Bear Market Simulator
Step 4. Lets see how you react.
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Step 5 Investment Recommendations
Step 6 Action List
Step 6. TAKE ACTION TODAY!
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Learning Station Tools

• Tools are fun, tailored to you, and provide
  suggested action!
• The short articles save you time!
• Five Minute Guide
• Specific Concerns
• Custom Course
• Browsing Room
• Tool Box

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Five Minute Guide
Specific Concerns
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Custom Course
Browsing Room
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Research Lab

• Overview of investment choices
• Customized search capabilities
• Morningstar Investment Profile reports

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• Will you
• retire on target?

The Hartford is The Hartford Financial Services
Group, Inc. and its subsidiaries, including
issuing company Hartford Life Insurance Company.
Retirement programs are funded by group variable
annuity contracts (HL-15811, HVL-11002 and
HVL-21002 series, HVL-14000, HVL-14001 and
HVL-20000, HL-14848, HL-15420 with Rider HL-16957
and HVL-11002 and HVL-21002 series for NY,
HL-14991, NY FL HL-14973) and group variable
funding agreements (HL-16553 and HL-16553 for
NY), or The Hartford Mutual Funds. Group variable
annuities and group variable funding agreements
issued by Hartford Life Insurance Company. Group
variable annuity contracts are underwritten and
distributed by Hartford Securities Distribution
Company, Inc. where applicable. The Hartford
Mutual Funds are underwritten and distributed by
Hartford Investment Financial Services, LLC. For
more complete information on The Hartford's group
variable annuities, group variable funding
agreements, or The Hartford Mutual Funds,
including charges and expenses, call us at
1-800-874-2502 to obtain a prospectus or
disclosure documents (including the Program
Overview, Program Highlights, Investment Option
Fee Schedule and applicable historical investment
option performance information), whichever is
applicable. Read this material carefully before
you invest or send money. Neither The Hartford
nor its agents or employees provide investment,
financial, tax, legal or accounting advice.
Please consult with professional advisors if you
need these services.