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## To p p r o d u c t s / s e r v i c e s 

•Variableandfixed annuities 

•Mutualfunds 

•401(k)plans 

•529collegesavingplans 

## To p p r o d u c t s / s e r v i c e s 

•Structuredsettlement and institutional annuities 

•Guaranteedinvestment contracts (GICs)/funding agreements 

•Governmentretirementplans 

•Privateplacementlife insurance 

## To p p r o d u c t s / s e r v i c e s 

•Variableuniversallife 

•Universallife 

•Wholelife 

•Termlife 

## To p p r o d u c t s / s e r v i c e s 

•Short-termdisability 

•Long-termdisability 

•Grouplife 

• Group accident 

• Group retiree health 

• Medical stop-loss 

## To p p r o d u c t s / s e r v i c e s 

•Variableannuities 

•Fixedannuities 

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## 2004 highlights 

•No.1sellerofretailvariableannuitiessince1993with 2004 sales of $15 billion. 

•“Leaders”and“Director”variableannuitiesrankedone- two in the industry for third straight year. 

•Recordmutualfundsalesof$5.9billion,anincrease of 23% over 2003. 

•Record401(k)salesof$1.9billion,up37%over2003. 

## 2004 highlights 

•Institutionalinvestmentproductsalesof$3.6billion, up 8% over 2003. 

•Privateplacementlifeinsurancesalesof$740million, an increase of 129% over last year. 

•IntroducedHartfordInstitutionalInvestorNotes,a new product that brought in $600 million combined in its first two offerings. 

## 2004 highlights 

•No.1distributorofindividuallifeinsurancethrough national broker-dealers and banks. 

•Twostraightyearsofdouble-digitsalesgrowthandhighest single sales quarter ever (4th quarter 2004). 

•Introducedinnovativevariableuniversallifeproduct (“Quantum Life”) and universal life product (“Advanced UL”). 

## 2004 highlights 

•AcquiredCNA’sgroupbenefitsbusiness,creating greater scale and providing increased earnings and premiums for the year. 

•No.2ingroupdisabilityinsurancepremiums. 

•No.5ingrouplifeinsurancepremiums. 

## 2004 highlights 

•LeadingproviderofvariableannuitiesinJapan, with a 29% share of the market’s assets. 

•SuccessfullylaunchedtwofixedannuitiesinJapan, including a yen-based annuity. 

•ConsistentprofitabilityinBraziloperations. 

•EstablishedoperationsintheUnitedKingdomas a prelude to opening for business in 2005. 

Tom Marra President and Chief Operating Officer Life Operations 

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