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##        for financial stability 

Record $233 million in individual life sales 

## Bonnie Fuller and Bruce Corwin , 

right, are siblings who share the value of planning for their families’ long-term financial stability with life insurance products from The Hartford. Both are clients of Unisure Insurance Services, Inc., of Torrance, CA, and both use vari- able universal life policies as part of their overall financial plans. 

Bonnie and Bruce each own and operate their own family busi- ness, and ensuring the smooth transfer of these businesses to the next generation is an impor- tant consideration. Liquidity and estate taxes are often concerns for families when a business trans- fers upon the death of a principal. Universal life insurance is one way families protect themselves and their businesses. 

Al Villasenor, president of Unisure, and Anne Villasenor Perez, his daughter and business partner (see cover), note variable universal life is used to ensure “the smooth transition of businesses and to pro- vide for the overall well being of families. 

“We do a lot of estate and fam- ily planning, and find life products from The Hartford are a very good way to balance a plan. The Hartford provides very competitive products that have instant recognition of the company through its well-known and historic brand–the Stag.” 

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through partnerships with banks, national brokerage firms, regional broker-dealers, and a vast array of independent firms. 

The Hartford’s partner-based distribution model was revolu- tionary when we developed it. Now, it’s the benchmark for the industry. We work diligently to keep our partners informed of product introductions and enhancements and we are perennially recognized for delivering excellence in customer follow-through and service. 

As we continue to broaden our distribution by adding new partners, our independent broker-dealer–Woodbury Financial Services–expanded our market penetration, and in 2004, placed more than $1 billion in sales. 

