Events Leading up to the Crisis

1
(No Transcript)
2
Events Leading up to the Crisis
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis.
3
A History of Financial Crisesand Recoveries
12/31/67
12/31/79
12/31/69
12/31/89
12/31/99
12/31/08
Data Source Ned Davis Research, 1/09. The SP
500 Index is a composite of the 500 largest
companies in the United States. INDEX PAST
PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
This illustration is for illustrative purposes
only, and does not represent the performance of
The Hartford Mutual Funds, The Hartford variable
annuities, or any particular investment. The SP
500 Index is unmanaged. You cannot invest
directly in the SP 500 Index. Assumes
reinvestment of income and no transaction cost.
Market low for each crisis
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis.
4
A History of Financial Crisesand Recoveries
12/31/67
12/31/79
12/31/69
12/31/89
12/31/99
12/31/08
Data Source Ned Davis Research, 1/09. The SP
500 Index is a composite of the 500 largest
companies in the United States. INDEX PAST
PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
This illustration is for illustrative purposes
only, and does not represent the performance of
The Hartford Mutual Funds, The Hartford variable
annuities, or any particular investment. The SP
500 Index is unmanaged. You cannot invest
directly in the SP 500 Index. Assumes
reinvestment of income and no transaction cost.
Market low for each crisis
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis.
5
A History of Financial Crisesand Recoveries
12/31/67
12/31/79
12/31/69
12/31/89
12/31/99
12/31/08
Data Source Ned Davis Research, 1/09. The SP
500 Index is a composite of the 500 largest
companies in the United States. INDEX PAST
PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
This illustration is for illustrative purposes
only, and does not represent the performance of
The Hartford Mutual Funds, The Hartford variable
annuities, or any particular investment. The SP
500 Index is unmanaged. You cannot invest
directly in the SP 500 Index. Assumes
reinvestment of income and no transaction cost.
Market low for each crisis
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis.
6
A History of Financial Crisesand Recoveries
12/31/67
12/31/79
12/31/69
12/31/89
12/31/99
12/31/08
Data Source Ned Davis Research, 1/09. The SP
500 Index is a composite of the 500 largest
companies in the United States. INDEX PAST
PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
This illustration is for illustrative purposes
only, and does not represent the performance of
The Hartford Mutual Funds, The Hartford variable
annuities, or any particular investment. The SP
500 Index is unmanaged. You cannot invest
directly in the SP 500 Index. Assumes
reinvestment of income and no transaction cost.
Market low for each crisis
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis.
7
A History of Financial Crisesand Recoveries
12/31/67
12/31/79
12/31/69
12/31/89
12/31/99
12/31/08
Data Source Ned Davis Research, 1/09. Data
source Bureau of Labor Statistics, 2/09 The
Conference Board, 2/09.The SP 500 Index is a
composite of the 500 largest companies in the
United States. INDEX PAST PERFORMANCE IS NOT
INDICATIVE OF FUTURE RESULTS. This illustration
is for illustrative purposes only, and does not
represent the performance of The Hartford Mutual
Funds, The Hartford variable annuities, or any
particular investment. The SP 500 Index is
unmanaged. You cannot invest directly in the SP
500 Index. Assumes reinvestment of income and no
transaction cost.
Market low for each crisis
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis. Crisis. Crisis. Crisis. Crisis. Crisis.
Crisis.
8
Reacting to Crisis Short-Term Problem or
Long-Term Opportunity?
OpportunisticAdds 2,000 each time the market
drops by 10 or more in a month. Total
investment 20,000 Systematic1Invests an
additional 10,000 over the entire period by
adding 20.45 at the end of each month. Total
investment 20,000 SteadfastNeither adds nor
subtracts. Total investment 10,000 Apprehensive
Moves 2,000 to CDs each time the market drops
by 10 or more in a month. Total investment
10,000
CDs are FDIC insured up to 250,000 through
12/31/2009, offer a fixed rate of return, and are
not subject to market volatility. Equity
investments are subject to market volatility and
have greater risk than CDs and other cash
investments. 1 Continuous or periodic investment
plans neither assure a profit nor protect against
loss in declining markets. Systematic investing
does provide an easy, disciplined way to build
contract /account value. Because systematic
investing involves continuous investing
regardless of fluctuating price levels, you
should carefully consider your financial ability
to continue investing through periods of
fluctuating prices. Data Source Ned Davis
Research, 1/09. The SP 500 Index is a composite
of the 500 largest companies in the United
States. INDEX PAST PERFORMANCE IS NOT INDICATIVE
OF FUTURE RESULTS. This illustration is for
illustrative purposes only, and does not
represent the performance of The Hartford Mutual
Funds, The Hartford variable annuities, or any
particular investment. The SP 500 Index is
unmanaged. You cannot invest directly in the SP
500 Index. Assumes reinvestment of income and no
transaction cost.
9
How Risky are Stocks in the Long Run?
Percentage of Rolling Periods With Positive
Returns for the SP 500 Index
12/31/28 12/31/08
Data Source Ned Davis Research, 1/09.The SP
500 Index is a composite of the 500 largest
companies in the United States. INDEX PAST
PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
This illustration is for illustrative purposes
only, and does not represent the performance of
The Hartford Mutual Funds, The Hartford variable
annuities, or any particular investment. The SP
500 Index is unmanaged. You cannot invest
directly in the SP 500 Index. Assumes
reinvestment of income and no transaction cost.
10
The Confidence to Invest in Bear Markets
What You Would Have Missed Average Annual
Returns When Investing After a 20 Drop for
the Past 10 Bear Markets
A bear market is defined by a 20 drop in the
market.Data Source Ned Davis Research, 1/09.
The first bear market examined began on 6/15/48
and the last one began on 3/19/02. The SP 500
Index is a composite of the 500 largest companies
in the United States. INDEX PAST PERFORMANCE IS
NOT INDICATIVE OF FUTURE RESULTS. This
illustration is for illustrative purposes only,
and does not represent the performance of The
Hartford Mutual Funds, The Hartford variable
annuities, or any particular investment. The SP
500 Index is unmanaged. You cannot invest
directly in the SP 500 Index. Assumes
reinvestment of income and no transaction cost.
11
(No Transcript)
12
Personal Steps What Weve Learned

Work With a Financial Advisor
Understand the Importance of Having a Financial
Strategy

Diversify Your Investment Portfolio

Dont Succumb to Media Vision
Diversification does not assure a profit nor
protect against a loss.
13
The Hartford Profile of an Industry Leader
Market Profile

• Named by Ethisphere Institute as one of the 2009
  Worlds Most Ethical Companies
• Winner of multiple DALBAR Service Awards in 2008
  Annuity, Mutual Fund, Life Insurance, Retirement
  Plans

Investments Life Insurance

• 2 provider of broker-sold variable annuities,
  based on assets in U.S. Morningstar, December
  2008
• 2 in variable universal life insurance sales
  Tillinghast, December 2008
• 2 in group life sales LIMRA, Sept. 2008
• 1 in new fully insured group disability
  insurance sales LIMRA, September 2008

Property Casualty Insurance

• 4 direct writer of personal lines 2008
  Financial Statements
• 2 for Satisfying New Insurance Buyers with the
  Purchase Experience by J.D. Powers and
  Associates 2008 Insurance New Buyer Study

14
A History of Helping America Recover
Fire destroys New Yorks financial district The
Hartfords president travels 108 miles through a
blizzard to pay The Hartford's fire insurance
customers.
Terrorists attack the World Trade Center
Pentagon The Hartford pays more than 850 million
to policyholders.
San Francisco earthquake Hurricane HugoThe
Hartford pays claims to victims.
A massive earthquake in San Francisco The
Hartford pays 11.6 million in claims.
1835
1871
1989
1992
2001
2005
1906
The Great Chicago Fire The Hartford pays all
claims, totaling almost 2 million.
Hurricanes Katrina Rita The Hartford pays
claims totaling 140 million.
Hurricane Andrew The Hartford is there for its
policyholders.
15
Confidence will gradually return to our
financial markets, and the result will be a
stronger financial system that extends beyond our
nations borders.
The Hartfords Chief Investment Strategist, Dr.
Quincy Krosby
The views expressed here are those of Dr. Quincy
Krosby. Dr. Quincy Krosby's views are not
necessarily those of The Hartford and should not
be construed as investment advice.
16
You should carefully consider the investment
objectives, risks, charges and expenses of The
Hartford Mutual Funds and Hartford variable
products and their underlying funds before
investing. This and other information can be
found in the prospectuses for the Mutual Funds
and variable products and the prospectuses for
the underlying funds, which can be obtained from
your investment representative or by calling
888-843-7824 for Hartford Mutual Funds,
800-862-6668 for Hartford variable annuities, or
by logging on to our Web site (www.hartfordinvesto
r.com) for Hartford variable life insurance.
Please read the applicable prospectus carefully
before you invest or send money. 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. The views expressed here are those of
Dr. Quincy Krosby. Dr. Quincy Krosby's views are
not necessarily those of The Hartford and should
not be construed as investment advice. Hartford
Mutual Funds are underwritten and distributed by
Hartford Investment Financial Services,
LLC. Hartford variable annuities are issued by
Hartford Life Insurance Company and Hartford Life
Annuity Insurance Company and are underwritten
and distributed by Hartford Securities
Distribution Company, Inc. Variable annuities
are long-term investment vehicles designed for
retirement purposes and are subject to market
fluctuation, investment risk, and possible loss
of principal. Taxable distributions (and certain
deemed distributions) are subject to ordinary
income tax, and if made prior to age 59½, may
also be subject to a 10 federal income tax
penalty. Early surrender charges may also apply.
Withdrawals will reduce the death benefit and
cash surrender value. Hartford variable life
insurance products are distributed by Hartford
Equity Sales Company, Inc. (HESCO), a
broker/dealer affiliate of The Hartford. The
Hartford is The Hartford Financial Services
Group, Inc. and its subsidiaries, including
issuing company Hartford Life Insurance Company
and Hartford Securities Distribution Company,
Inc. (HSD). HSD (member FINRA and SIPC), a
registered broker/dealer affiliate of The
Hartford, has established certain service
programs for retirement plans, including defined
contribution retirement plans, through which a
plan or plan participant may invest in mutual
funds. This seminar has been funded in whole or
in part by PLANCO Financial Services, LLC, a
broker dealer affiliate of The Hartford. All
information and representations herein are as of
5/09.
SEM_CTC 08-6977A ANN 12858 5/09