Hartford Leaders VUL Legacy
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1 Hartford, Connecticut Prepared by: The Hartford 500 Bielenberg Drive Woodbury, MN (800) Date Prepared: 10/10/2012 Values as of Date: 10/05/2012 State: WI An Inforce Life Insurance Policy Illustration Using Hartford Leaders VUL Legacy A Policy Prepared for: TestVUL Client Policy # 102-VULTEST123 THIS IS AN INFORCE ILLUSTRATION NOT A CONTRACT. The illustration is not intended to predict actual performance and the results shown are not a guarantee of future performance. This illustration must be preceded or accompanied by a current policy prospectus. See the policy prospectus for additional information. You should also carefully consider the investment objectives, risks, charges and expenses of the underlying funds before investing. This and other information can be found in the prospectuses for the underlying funds and appropriate product information, which can be obtained from your financial professional or by logging on to Please read the prospectuses carefully before you invest or send money. Please refer to your policy for a more complete explanation of your policy benefits and features. If you have any questions regarding your policy, please contact your Representative or our Customer Service Representatives at You may also contact us through at LifeService@Hartfordlife.com. To ensure a prompt response to your request, please include your name, policy number, and telephone number. 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. Page 1 of 9 - Not valid without all pages
2 Narrative Summary The Company: Policy Description: About this Inforce Illustration: "The Hartford" is The Hartford Financial Services Group, Inc., and its subsidiaries, including the issuing companies of Hartford Life Insurance Company (New York) and Hartford Life and Annuity Insurance Company (outside New York), Simsbury, CT. The mailing address for both issuers is P.O. Box 2999, Hartford, CT Variable life insurance products discussed in this material are distributed by Hartford Equity Sales Company, Inc. (HESCO), a broker/dealer affiliate of The Hartford. Hartford Leaders VUL Legacy is an individual flexible premium variable universal life insurance policy. This policy offers you premium payment and death benefit flexibility, as well as a No Lapse Guarantee provision, which can protect your policy from lapse. Please see your contract for details regarding this No Lapse Guarantee feature. The policy values depend on the timing and amount of your premium payments, the monthly policy charges and the investment performance of your selected Investment Choices. Policy charges are subject to change, but will never be less favorable than those guaranteed in the policy. Premium payments may be made at any time up to the Scheduled Maturity Date (Age 120) subject to the minimum and maximum premium requirements explained in your policy. If higher premium payments are made, coverage may continue for a longer period than if lower premium payments are made. Regardless of premium outlay, monthly policy charges are deducted from the policy account value in all years up the Scheduled Maturity Date. This illustration is intended to help you understand how your policy works, not to predict performance. It assumes that the non-guaranteed elements will not change in future years. This is not likely to occur, and actual results will either be more or less favorable than those shown. The illustrated investment results are hypothetical. They should not be viewed as representative of past performance nor indicative of future results. Actual investment performance will differ depending on the investment allocation chosen and the actual return of the Investment Choices. This inforce illustration is based on your Policy's current values and death benefit as of the last month-a-versary date. These values are used as the starting value in the current policy year. No values are shown for previous policy years. The illustration uses these values, planned future premium payments, a hypothetical rate of return (including a 0% return) and other factors to show hypothetical future values based on current and guaranteed policy charges. Planned Premium Outlay: The planned premium outlay shown each year in the illustration is the sum of the periodic premium payments you plan to make each policy year. Premium Payments are assumed to be paid at the beginning of each payment period, while the illustrated death benefits, account values, cash surrender values and any policy indebtedness are shown at the end of each policy year. Page 2 of 9 - Not valid without all pages
3 Narrative Summary Policy Withdrawals: Policy Loans: Indebtedness: This illustration assumes that planned withdrawals (if any) are distributed in annual payments, beginning on the policy anniversary of the year in which withdrawals begin. This illustration assumes that planned loans (if any) are distributed in annual payments, beginning on the policy anniversary of the year in which loans begin. Policy Indebtedness is equal to loans taken plus the interest charged to loans minus any loan repayments. Indebtedness is shown as of the end of the policy year. The Separate Account: The Sub-Accounts are subdivisions of the Company's Separate Account. The assets of the Separate Account are separate from the assets of the Company, and investment performance is independent from the investment performance of the Company's other assets. Separate Account assets are subject to possible investment loss, including loss of principal. Hypothetical Gross Investment Return: The hypothetical gross investment returns illustrated are not guaranteed and will vary according to the investment performance of the selected Investment Options. This illustration is based on Hypothetical 0.00% and 8.00% gross rates of return, which correspond to annual net rates of return of -0.88% and 7.12%, respectively. Account Value: The Account Value equals the sum of premiums paid plus investment performance credited minus policy charges and reductions due to withdrawals and other insurance benefits. This illustration shows your Account Value at the end of the policy year. Cash Surrender Value: The Cash Surrender Value is the Account Value less surrender charges and any Indebtedness. This illustration shows your Cash Surrender Value at the end of the policy year. Net Death Benefit: Guaranteed Elements of Your Policy: Non-Guaranteed Elements of Your Policy: The Net Death Benefit is the amount payable in the event of the insured's death assuming the death occurs at the end of the policy year shown. This is equal to the death benefit of the policy minus any Indebtedness. Net Death Benefit is referred to as Death Proceeds in your policy. Net Death Benefit is shown as of the end of the policy year. Your life insurance policy has guaranteed elements (e.g., maximum policy charges, maximum loan rates). All Guarantees within the policy are based on the claims-paying ability of the issuing company. Guarantees do not apply to the variable investment options. Your life insurance policy also has non-guaranteed elements. The non-guaranteed values illustrated reflect current company experience. They assume lower policy charges than those guaranteed. Page 3 of 9 - Not valid without all pages
4 Narrative Summary Policy Fees and Charges: Refer to your policy for a description of the policy fees and charges including premium loads, premium tax charges, administrative charges, monthly mortality and expense risk charge, investment management fees, charge per $1,000 of Face Amount, transfer charges, and surrender charges. Tax Considerations: Definition of Life Insurance (IRC 7702): Based on our interpretation, this illustrated policy meets the definition of a life insurance contract under Section 7702 of the Internal Revenue Code by complying with the Guideline Premium Test. Current Guideline Single Premium = $34, Current Guideline Level Premium = $7, The illustrated values will show an increase in Death Benefits, if necessary, to comply with these guidelines. This increase may require evidence of insurability. Below, the Current Guideline Premium Limit is the maximum premiums allowed to date. This is the maximum of the Guideline Single Premium or the cumulative Guideline Level Premiums to date. The Current Premium Basis is the total premiums paid for guideline testing. Current Guideline Premium Limit = $34, Current Premium Basis = $1, Modified Endowment Contracts (IRC 7702A): In order to receive the most favorable income tax treatment of pre-death policy distributions from your policy (such as loans and withdrawals) under Internal Revenue Code Section 7702A, a life insurance policy must satisfy a 7-Pay Premium limitation test during the first 7 policy years and during the 7 years following certain policy changes. Premiums paid in excess of this limitation create a Modified Endowment Contract (MEC) and thereby cause pre-death policy distributions to be taxable to the extent there is a gain in the contract. In addition there is a Federal Income Tax penalty of 10% of taxable income for pre-death policy distributions from MECs before the policy owner's age 59½ with certain exceptions. Current 7-Pay Premium = $5, Below, the Current 7-Pay Premium Limit is the maximum premiums allowed to date without becoming a MEC. The Current 7-Pay Premium Basis is the total premiums paid for MEC testing. Current 7-Pay Premium Limit = $5, Current 7-Pay Premium Basis = $1, Page 4 of 9 - Not valid without all pages
5 Narrative Summary Optional Riders/Benefits: Accelerated Death Benefit Rider (for terminal illness) Overloan Protection Rider Provides an accelerated payment of life insurance proceeds up to 100% of the Death Benefit discounted with interest one year if primary insured's diminished life expectancy is 12 months or less (24 months in some states) (subject to limitations). The sum of the Benefit you may request under this and any other policies issued by us on the life of an insured may not exceed $500,000. The rider must be elected at issue. There is no additional ongoing charge for the rider, but an administrative processing fee of up to $ applies if the rider is invoked. Gives you the option to continue your policy at a reduced Death Benefit with no further Monthly Deduction Amounts in the event your policy is in danger of policy default or termination due to excessive Indebtedness. At the time you elect the benefit under the rider, a transaction charge (maximum of 7% of Account Value) will be deducted from your Account Value. Page 5 of 9 - Not valid without all pages
6 Numeric Detail Date of Illustration: 10/10/ :41:47 AM Values as of Date: 10/05/2012 Policy Number: 102 VULTEST123 Account Value: Premium Mode: $ Monthly Total Indebtedness: 0.00 Death Benefit Option: Return of Account Value, Guideline Test Covered Insured(s): TestVUL Client, Male, Age 64, Standard Non-Nicotine, Special Class F or 6 (250%) Illustration Benefit Summary Insured/Coverage Amount To Age Initial Base 50, Current Base 50, Accelerated Death Benefit Rider (for terminal illness**) N/A 97 Overloan Protection Rider N/A 97 **Any benefit amount received under the rider will reduce the current base and term insurance rider coverage on the primary Insured, thereby reducing the death benefit that would be payable to the designated beneficiaries. Please refer to the Illustration Benefit Summary for details of policy coverage and riders. The purpose of this illustration is to show how the performance of the underlying investment accounts could affect the Policy Account Value, Cash Surrender Value and Death Benefit. The illustration is hypothetical and may not be used to project or predict investment results. Illustrated Values Based on 0.00% Hypothetical Gross Investment Return and Maximum Policy Charges. This illustration assumes an Annual Fund Expense (total fund operating expenses including investment management fee and other fund expenses) totaling 0.88%. Hypothetical Gross Planned Policy Invest- Cash Net Policy Premium With- Policy Indebted- ment Account Surrender Death Yr Age Outlay drawal Loan ness Return Value Value Benefit Notes , ,042 P , ,081 P 3 67 **** PL Please see last page of Numeric Detail for definition of Notes that may appear. Page 6 of 9 - Not valid without all pages
7 Numeric Detail Please refer to the Illustration Benefit Summary for details of policy coverage and riders. The purpose of this illustration is to show how the performance of the underlying investment accounts could affect the Policy Account Value, Cash Surrender Value and Death Benefit. The illustration is hypothetical and may not be used to project or predict investment results. Illustrated Values Based on Hypothetical Gross Investment Return and Maximum Policy Charges. This illustration assumes an Annual Fund Expense (total fund operating expenses including investment management fee and other fund expenses) totaling 0.88%. Hypothetical Gross Planned Policy Invest- Cash Net Policy Premium With- Policy Indebted- ment Account Surrender Death Yr Age Outlay drawal Loan ness Return Value Value Benefit Notes , ,056 P , ,139 P 3 67 **** PL Please see last page of Numeric Detail for definition of Notes that may appear. Page 7 of 9 - Not valid without all pages
8 Numeric Detail Please refer to the Illustration Benefit Summary for details of policy coverage and riders. The purpose of this illustration is to show how the performance of the underlying investment accounts could affect the Policy Account Value, Cash Surrender Value and Death Benefit. The illustration is hypothetical and may not be used to project or predict investment results. Illustrated Values Based on Hypothetical Gross Investment Return and Current (Non-Guaranteed) Policy Charges. This illustration assumes an Annual Fund Expense (total fund operating expenses including investment management fee and other fund expenses) totaling 0.88%. Hypothetical Gross Planned Policy Invest- Cash Net Policy Premium With- Policy Indebted- ment Account Surrender Death Yr Age Outlay drawal Loan ness Return Value Value Benefit Notes , ,056 P , , ,141 P , ,157 1,444 53,157 P , ,133 2,677 54,133 P , ,078 3,864 55,078 P , ,999 5,029 55,999 P , ,888 6,160 56,888 P , ,388 7,903 58,388 P , ,878 9,635 59,878 P , ,353 11,353 61,353 P , ,814 12,814 62,814 P , ,179 14,179 64, , ,409 15,409 65, , ,442 16,442 66, , ,218 17,218 67, , ,711 17,711 67, , ,857 17,857 67, , ,596 17,596 67, , ,859 16,859 66, , ,567 15,567 65, , ,637 16,637 66, , ,559 17,559 67, , ,286 18,286 68,286 Page 8 of 9 - Not valid without all pages
9 Numeric Detail Hypothetical Gross Planned Policy Invest- Cash Net Policy Premium With- Policy Indebted- ment Account Surrender Death Yr Age Outlay drawal Loan ness Return Value Value Benefit Notes , ,789 18,789 68, , ,029 19,029 69, , ,693 18,693 68, , ,982 17,982 67, , ,852 16,852 66, , ,251 15,251 65, , ,775 12,775 62, , ,744 9,744 59, , ,106 6,106 56, , ,806 1,806 51, **** L Notes L - Additional premium would be required to continue the Policy. P - For all or a portion of the policy year the No Lapse Guarantee became unavailable due to insufficient premiums. **** - Illustrated values assume you choose not to make any out-of-pocket premium outlay for this policy year. Policy charges continue in all years, but are paid from the Account Value. You may be required to resume premium outlays if actual policy results are less favorable than those illustrated. For the current year, if your payments are past due they are not included in the projected values. Paying past due premiums may change your MEC and guideline premium compliance. This illustration assumes that loans and withdrawals are distributed in annual payments, beginning on the policy anniversary of the year in which disbursements begin. Both loans and withdrawals from a permanent life insurance policy may be subject to penalties and fees and, along with any accrued loan interest, will reduce the policy's Account Value and Death Benefit. Depending upon the performance of a VUL policy's investment choices, the Account Value may be worth more or less than the original amount invested in the policy. Assuming a policy is not a Modified Endowment Contract (MEC), withdrawals are taxed only to the extent that they exceed the policyowner's cost basis in the policy and usually loans are free from current Federal taxation. A policy loan could result in tax consequences if the policy lapses or is surrendered while a loan is outstanding. Distributions from MECs are subject to Federal income tax to the extent of the gain in the policy and taxable distributions are subject to a 10% additional tax prior to age 59 1/2, with certain exceptions. V12.5a:3.44p.9i-S-d:\\aips2\\core32\\cases\\IN_1_VULTEST123_s3vcemy4jv3jernkmq4w3v ino--USR=33333see-PN=HLLegacy1-SN=LEGACY-RV=1 NMSI=10-WNYSI=0-NMIY=10-CPA=64-DBO=B PC=N(N)-MS=N(N)-PT=2-DT=0.00-LY=97-UA=119-RS=IH GLM=G-GLS= RGLS=0.00-GLL= RGLL=0.00-MEC= RMEC=0.00-DBG= ND2NMD=8 Page 9 of 9 - Not valid without all pages
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