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also relied on global positioning systems (GPS) to find custo- mer homes. 

Individual customers insure their homes and cars through the products offered by The Hartford’s personal insurance lines division. In recent years, we’ve focused on several new products to grow the business. Our “Dimensions” home and auto insurance products expand our underwriting abilities, allowing us to insure more individuals with a variety of needs. 

“Dimensions” also allows us to price our insurance more precisely for each customer and therefore offer more competi- tive products to more people. These new products increase our market opportunity by expanding our reach to almost the entire auto and home insurance market in the United States. 

The Hartford’s “can-do” attitude permeates the organization. We focus on user-friendliness and efficiency so we can meet our agents’ number one business criteria: easily and efficiently doing business. 

“ExpressWay,” a new technology platform, gives agents the ability to obtain quotes from The Hartford by transferring their existing customer information to us without re-entry. It reduces an agent’s workload by more than 50 percent and enables us to provide almost instant quotes. 

In addition to “ExpressWay,” we are increasing our field sales force by 30 percent in markets with strong growth opportuni- ties. These two initiatives expand and accelerate The Hartford’s ability to identify and serve our future home and auto insurance customers through our agents. That’s why we’re confident both initiatives will contribute to above-market growth in 2005. 

We are proud of our twenty-year partnership with AARP and the opportunity to provide their members with home and auto insurance. AARP, the largest association of people over 50 years old in the United States, is currently focused on attract- ing younger members from the baby boom demographic to its 35 million-strong membership. We are working with AARP to develop programs and services that offer more features, and therefore more value, to these new, younger members. 

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Older Drivers , in 2004. Since its publication, The Hartford has had more than 55 million media impres- sions, including an interview on “The Today Show” for co-authors Maureen Mohyde, The Hartford’s director of corporate gerontology, and MIT’s Joseph Coughlin, Ph.D., director of the AgeLab. 

The publication reflects The Hartford’s ongoing commit- ment to issues of aging and to producing research that helps families and their older members prepare for and respond to age- related topics more effectively. 

Based on a two-year study of older drivers’ attitudes and driving habits, it offers families easy-to- use, practical information to help them craft effective and caring conversations that balance safety and independence. The 24-page guide is free and available on our web site at www.thehartford.com . 

##    with older drivers 

The Hartford’s six- year partnership with Massachusetts Institute of Technology’s (MIT) AgeLab resulted in the publication of We Need to Talk: Family Conversations with 

“ExpressWay” technology reduces workload for agents by more than 50 % 

