Stag Protector II Variable Universal Life Insurance

INDIVIDUAL LIFE INSURANCE A Consumer Resource FACTS-AT-A-GLANCE Stag Protector II Variable Universal Life Insurance Permanent Life Insurance Offering Flexibility and Choice INSURANCE PRODUCTS: NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY MAY LOSE NOT A DEPOSIT OF OR GUARANTEED VALUE BY ANY BANK OR ANY BANK AFFILIATE FDIC BANK

How the Policy Works Your policy premiums buy life insurance with the potential for growth of account value. Once applicable sales charges, taxes and policy charges are deducted, the net premiums are invested in the investment choices you select. The performance of the investment choices will determine your policy s account value. Charges are deducted from the policy account value. The policy value must be sufficient to sustain the policy and help ensure that the death benefit is funded. Upon your death, your beneficiary will receive the death benefit of the policy minus any loans or withdrawals. Life insurance death benefits are generally Federal income tax-free, however, the death benefit may be included in your estate for Federal estate tax purposes. 12 Professional Money Managers Aggressive Growth Hartford Growth Opportunities HLS Fund Hartford International Small Company HLS Fund Hartford Small Company HLS Fund Putnam VT Capital Opportunities Fund Putnam VT New Opportunities Fund Income American Funds Bond Fund Hartford Mortgage Securities HLS Fund Hartford Total Return Bond HLS Fund Putnam VT High Yield Fund Putnam VT Income Fund Templeton Global Income Securities Fund Growth and Income American Funds Blue Chip Income and Growth Fund American Funds Growth-Income Fund Fidelity VIP Equity-Income Portfolio Franklin Income Securities Fund Hartford Disciplined Equity HLS Fund Hartford Dividend and Growth HLS Fund Hartford Index HLS Fund Lord Abbett America s Value Portfolio Lord Abbett Growth and Income Portfolio MFS Investors Trust Series Mutual Shares Securities Fund Oppenheimer Main Street Fund /VA Putnam VT Equity Income Fund Putnam VT Growth and Income Fund Van Kampen LIT Comstock Portfolio II A Fixed Account is available in certain states. Capital Preservation Hartford Money Market HLS Fund 1 Balanced American Funds Asset Allocation Fund Hartford Advisers HLS Fund MFS Total Return Series Growth AIM V.I. Capital Appreciation Fund AIM V.I. Capital Development Portfolio AIM V.I. Mid Cap Core Equity Fund AIM V.I. Small Cap Equity Fund AllianceBernstein VPS International Value Portfolio AllianceBernstein VPS International Growth Portfolio AllianceBernstein VPS Small/Mid Cap Value Portfolio American Funds Global Growth Fund American Funds Global Small Capitalization Fund American Funds Growth Fund American Funds International Fund American Funds New World Fund Fidelity VIP Contrafund Portfolio Fidelity VIP Mid Cap Portfolio Franklin Small Cap Value Securities Fund Hartford International Opportunities HLS Fund Hartford Stock HLS Fund Hartford Value Opportunities HLS Fund MFS New Discovery Series Mutual Discovery Securities Fund Oppenheimer Capital Appreciation Fund/VA Oppenheimer Global Securities Fund/VA Putnam VT International Equity Fund Putnam VT Small Cap Value Fund Putnam VT Voyager Fund Templeton Growth Securities Fund Van Kampen UIF U.S. Mid Cap Value Portfolio The investment return and principal value of an investment will fluctuate so that an investor s shares, when redeemed, may be worth more or less than their original cost. 1 An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. Page 1 of 5 (not valid without all pages)

Features and Benefits Stag Protector II offers attractive advantages for business planning as well as personal insurance planning. The policy offers flexible features, policy access and tax advantages. Flexible Features Death Benefit Options At issue, you select one of three options where the death benefit equals: Option A (Level): the current face amount Option B (Return of Account Value): the current face amount plus the policy account value Option C (Return of Premiums): the current face amount plus the total premiums paid (premium capped at $5 million), or Option D (Decreasing): (available only after issue) Death Benefit equals the face amount plus the lesser of Account Value at time of Death Benefit Option change, or current Account Value. Investment Choices The policy offers a diverse range of investment options and a Fixed Account. You may select up to 20 investment choices at any one time. Premium Payments Face Amount Changes Policy Access Loans Preferred Loans Withdrawals Tax Advantages You determine the premium amount and payment schedule. The amount of planned premium can be increased or decreased, within certain limits. Increase: A minimum increase of $25,000 can be requested after your policy s 1st anniversary. Evidence of insurability will be required. Decrease: Decreases are allowed after the policy s 1st anniversary. Minimum face amount limits will apply based on rules in effect at the time. Policy loans are available at any time. Your policy secures the loan, and interest will be charged. Minimum loan is $500; maximum is the cash surrender value of your policy. Preferred loans are available after your policy s 10th anniversary if your policy s account value exceeds the total premiums paid. A lower interest rate is charged on preferred loans. There is a risk that the IRS could contend that certain preferred loans should be treated as currently taxable distributions rather than loans. One free policy withdrawal is allowed each month. Minimum withdrawal is $500; maximum is your policy s cash surrender value minus $1,000. Generally income tax-free death benefit.* Any potential growth in the policy s cash value will be on a tax-deferred basis. Tax-advantaged transfer of assets between investment choices. Some restrictions may apply on certain transactions. See current product prospectus for further details. Tax-advantaged access to account value through policy loans and withdrawals. 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), loans are free from current Federal taxation and withdrawals are taxed only to the extent that they exceed the policyowner s basis in the policy. 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, with certain exceptions. * Death benefit may be included in your estate for Federal estate tax purposes. Page 2 of 5 (not valid without all pages)

Policy Charges As a variable universal life policy, Stag Protector II has fees associated with buying, owning and surrendering the policy. The charges include mortality and expense risk charges (not to exceed 0.75%), cost of insurance (varies by age, gender, face amount and underwriting class), administrative charges (not to exceed $10/month), surrender charges (may vary based on policy duration), and fees and expenses (including fund management fees and 12b-1 fees, where applicable), charged by the funds. These charges are reflected in the policy s prospectus and should be reviewed with your registered representative. These charges will have significant impact on Policy Account Values. Policy Account Values vary with actual underlying fund performance. Additional Protection Maturity Extension Provision The policy normally matures at age 100 but the client can elect to extend the policy maturation.* If elected, extends the maturity date so that the policy matures at the insured s death, regardless of age. No premium payments allowed. Monthly deductions will no longer be taken. Must be elected 30 days prior to scheduled maturity date. Loans, withdrawals and surrenders will be allowed. Option 1: On scheduled maturity date, the Face Amount will be equal to the Death Benefit as of that date. Death Benefit option chosen prior to age 100 will no longer apply, it will become level. Policy s Account Value in separate account will be transferred to Fixed Account. Option 2: On scheduled maturity date, the Face Amount will be equal the Death Benefit less the Account Value as of that date. Death Benefit option chosen prior to age 100 will no longer apply, it will become Return of Account Value. Client will be able to control where their account values are invested. * Tax consequences of continuing a policy beyond age 100 are uncertain. No-Lapse Where available, the NLG guarantees that the policy will stay in force regardless of investment performance for 10 Guarantee (NLG) years for issue age 65 or less, grading down to 5 years for issue ages 70-75. The policy is guaranteed not to lapse during the specified period as long as the sum of the premiums (less indebtedness and less withdrawals) is at least equal to the cumulative sum of the No Lapse Guarantee Premium for the policy. Does not protect the policy from lapsing due to over indebtedness. Riders (available for election) May be subject to underwriting requirements and state availability. Please see current product prospectus for details and other restrictions. Enhanced No-Lapse 20 years for issue ages below 60. Decrease by one year until issue age 70. 10 years for issue ages 70-80 Guarantee grading to 5 years for issue ages 80-85. The NLG will prevent the policy from lapsing as long as the sum of premiums paid (less indebtedness and less withdrawals) is at least equal to the NLG premium. There is a lifetime catch up. Additional charge applies. Does not protect the policy from lapsing due to over indebtedness. Lifetime No-Lapse Guarantee Where available, the Lifetime NLG guarantees that the policy will stay in force to policy maturity. The policy is guaranteed not to lapse during the specified period as long as the sum of the premiums (less indebtedness and less withdrawals) is at least equal to the cumulative sum of the No Lapse Guarantee Premium for the policy. A two-year premium catch up provision applies. Additional charge applies. Does not protect the policy from lapsing due to over indebtedness. Provides term life insurance coverage for you or your family members. Additional charge applies. Increases the death benefit if death results from an accident. Additional charge applies. Waives policy deductions if you become disabled. Additional charge applies. Credits the policy with a specific amount during a period of disability. Additional charge applies. Term Rider Accidental Death Benefit Waiver of Monthly Deductions Waiver of Specified Amount Disability Benefit Estate Tax Repeal Waives surrender charges if there is no estate tax in 2011 and written surrender request is received in January 2011. Included where approved at no additional charge. Accelerated Death Benefit Rider Terminal Illness If the insured has a life expectancy of one year or less, up to 100% of the death benefit can be disbursed. The disbursement will be discounted one year s interest and is subject to a $500,000 maximum. The rider must be elected at issue. There is no additional ongoing charge for the rider; an administrative processing fee of up to $300 applies if the rider is invoked. Availability may vary by state. Page 3 of 5 (not valid without all pages)

LifeAccess Accelerated Rider that advances the policy's death benefit plus term in the event that the insured becomes chronically ill and Benefit Rider otherwise qualifies under the rider. Certification by a physician that the insured is chronically ill. Chronically ill (substantial state means being unable to perform (without substantial assistance from another individual) at least two Activities of variations apply) Daily Living (ADLs) for a period of at least 90 days or requiring substantial supervision from another individual to protect the insured from threats to health and safety due to a severe cognitive impairment. ADLs are those basic human functional abilities which measure the insured's ability for self care and to live independently without Substantial Assistance from another individual and include: Bathing Eating Continence Toileting Dressing Transferring Physician certification must also state that the insured is in need of services under a plan of care and that such services are likely to be needed for the rest of the insured's life. Re-certified at least annually. Cost of Living Adjustment Rider Provides scheduled face amount increases to adjust for inflation. Biannual face increases without evidence of insurability are based on the Consumer Price Index. Available at issue only for those age 0-60 for no additional charge in states where approved. The rider expires at age 66. There is no additional cost to add this rider; however the resulting face amount increases may increase premium requirements. Should you deny a cost of living increase, the rider terminates and no further increases will be offered. Child Rider Provides $5,000 or $10,000 of term coverage on all of the base insured s children who are age 16 days to 14 years at issue, subject to underwriting approval. (Children born or adopted after issue may be added upon attained age of 16 days.) New children over 14 years old may not be added. Additional charge applies. Coverage: Terminates at each child s age 25 or when primary insured turns age 65. Is convertible to select permanent policies available at the time for up to five times the rider amount without evidence of insurability. Policy Continuation Rider This rider is intended to prevent the lapse of highly loaned policies. The rider can be added at issue. A charge of up to 7% of Account Value is assessed only if the rider is exercised. Can be exercised if: Policy is inforce for 15 years. Insured attained age is 75. Policy indebtedness equals or exceeds 93.5% of the total account value. Indebtedness exceeds the face amount or the tax cost basis in the policy equals 0. Managing Policy Account Value Money Managers/ Investment Choices Dollar Cost Averaging Personal Asset Allocation Professional Static Asset Allocation Models You can select investment choices from a wide range of asset classes. Money management is provided by experienced firms. A technique used to invest a set amount on a regular basis in your investment choices. Continuous or periodic investment plans neither assure a profit nor protect against loss in declining markets. Because Dollar Cost Averaging involves continuous investing regardless of fluctuating price levels, you should carefully consider your financial ability to continue investing through periods of fluctuating prices. You determine the asset mix and decide which investment choices work within that mix. You also select a re-balancing schedule. Professional static asset allocation models are available at no additional charge. Inquire with your financial professional for details. Additional Specifications Minimum Death Benefit $100,000 (Standard Classes $25,000) Underwriting Classes Preferred Plus Non-Nicotine Preferred Non-Nicotine Preferred Nicotine Standard Non-Nicotine Standard Nicotine Page 4 of 5 (not valid without all pages)

Life Insurance Protection from an Industry Leader Life insurance is a promise a promise that is only as good as the company behind the policy. Hartford Life Insurance Company or Hartford Life and Annuity Insurance Company stands behind the death benefit protection promise of your policy. Guarantees are based on the claimspaying ability of the issuing company. The guarantees do not apply to the investment choices. Issuers: Hartford Life Insurance Company (New York) Hartford Life and Annuity Insurance Company (Outside New York) 200 Hopmeadow Street Simsbury, CT 06070 Mailing address for both issuers: P.O. Box 2999, Hartford, CT 06104-2999 www.hartfordinvestor.com Principal Underwriter and Distributor: Hartford Equity Sales Company, Inc. (HESCO) P.O. Box 2999, Hartford, CT 06104-2999 Stag Protector II Variable Universal Life is a flexible premium variable universal life insurance policy. When issued outside of New York by Hartford Life and Annuity Insurance Company, the policy form number is LA-1238(03). When issued in New York by Hartford Life Insurance Company, the policy form number is HL 15894(03)(NY). You should carefully consider the investment objectives, risks, and charges and expenses of Stag Accumulator II Variable Universal Life Insurance and its underlying funds before investing. This and other information can be found in the prospectus for the variable universal life insurance policy, the underlying funds prospectus and appropriate product information, which can be obtained from your financial professional or by logging on to www.hartfordinvestor.com. Please read them carefully before you invest or send money. The Product prospectus and contract will reflect the appropriate issuing company. 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 Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing companies of Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company. Hartford Equity Sales Company, Inc. (HESCO) is a broker/dealer affiliate of The Hartford. LIF6613 LCM-03-484-4-07 Printed in U.S.A. 2007 The Hartford, Hartford, CT 06115 Page 5 of 5 (not valid without all pages)