Your employees have goals, dreams and loved ones. Protecting them against worst case scenarios is not only smart, but a caring and responsible choice. The Hartford can help meet diverse needs with basic, dependent, and supplementary/ voluntary Life programs, as well as accident insurance.

Why life and accident insurance?

• Almost two-thirds of Americans believe life insurance protects their loved ones, but 34 percent of them have never purchased coverage. Eighteen percent have no coverage.¹
• In the U.S., an average of 114 people die each day in car crashes.²

Life benefits that think of everything.

It's what you're not prepared for that can hurt you. The Hartford provides benefits with more foresight, to help your employees in any circumstance. Some highlights:

• A liberal continuity of coverage clause that prevents employees from being stranded without coverage on our policy transfer date - even if they're not actively at work on that day.
• A generous living benefit option: Terminally ill employees or dependents can accelerate their benefits, up to $500,000.
• Premium waivers for disabled employees who attempt to return to work.
• Portability and conversion is offered with our Life product. If your employees leave your company, or under other qualifying conditions, they can take their policy with them.

AD&D: For life's major bumps in the road.

Accidents happen to commuters as well as do-it-yourselfers, weekend joggers, workers and homebodies alike. So it makes sense to offer your employees protection with Accidental Death and Dismemberment (AD&D) coverage. What they can receive under your plan:

• Protection against losses from unforeseen covered accidents, available for dependent children and spouses as well as employees.
• Twenty-four-hour accident coverage that can be combined with group life or purchased as a stand-alone product.
• A generous rider or options package beyond industry standards.
• Numerous optional benefits to customize employee coverage.

Accident: Special group protection from life's hardest knocks.

The Hartford offers special accident coverage for a variety of needs, from employees on business trips to students on field trips.

• Business Travel Accident covers employees traveling on business.
• We also offer Blanket Accident Insurance for specialty groups - campers, private and public school students, church groups and more.
• Learn more about our accident coverage.

¹ Benefits Selling, Volume 7, No.3, March 2008.
² 2006 USAttorneyLegalServices.com - Death Statistics in the U.S.