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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?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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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

Morningstar ClearFuture is ...

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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

Easy Access

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Read and accept the advice disclaimer by The Hartford

Easy Access

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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 is a breeze!

Step 1: Getting Started

Step 2. We’ll gather all relevant financial information.Step 2: Current Situation

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.

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Step 3. Suggested plan.

Step 3: Pick A Plan

Step 4. Let’s see how you react.

Step 4: Bear Market Simulator

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Step 5. Specific investment recommendations.

Step 5: Investment Recommendations

Step 6. TAKE ACTION TODAY!

Step 6: Action List

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Learning Station — Tools

Tools are fun, tailored to you, and provide suggested action!

The short articles save you time!

1. Five Minute Guide

2. Specific Concerns

3. Custom Course

4. Browsing Room

5. Tool Box

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One of the smartest ways to help pay for your child’s college education is to:

Begin saving for tuition

Questions & Answers

Five Minute Guide

Make a Selection--------------------How much can Icontribute?

Do I have enoughto retire?

Specific Concerns

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Not sure what to read? Answer these 12 questions and we’ll build a custom investment course for you.

Custom Course

Browsing Room

Sections

The Basics of Investing

The Importance ofPlanning

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Research Lab

Overview of investment choices

Customized search capabilities

Morningstar® Investment Profile™ reports

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Will you Will you

retire on target?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.