HARTFORD ANNUITY-LEADERS ACCESS

Front-End Load:

None

Surrender Charges:

None

Transfers:

20 per year. Transfers over 20 can be submitted via US Mail or Overnight delivery only.

Premium Minimums:

$10,000 to start policy, can add to policy with $500 minimum

Premium Maximums:

$1,000,000 without prior company approval

Not Available In:

Available in all states

Max Issue Age:

0 through 90 Annuitant (actual Age) in all states, except in NY it is age 0 through 85. Joint Owners and Annuitants allowed.

Investment Options:

American Funds Global Growth Fund
American Funds Global Small Cap Fund
American Funds Growth Fund
American Funds International Fund
American Funds New World Fund
American Funds Asset Allocation Fund
American Funds Growth-Income Fund
American Funds Bond Fund
MFS® Capital Opportunity Series
MFS® Emerging Growth Series
MFS® Global Equity Series
MFS® Investors Growth Stock Series
MFS® Mid Cap Series
MFS® New Discovery Series
MFS® Investors Trust Series
MFS® Total Return Series
MFS® High Income Series
Franklin Small Cap Fund - Class 2
Franklin Technology Fund - Class 2
Franklin Real Estate Fund - Class 2
Franklin Strategic Income Securities Fund - Class 1
Templeton Developing Markets Securities Fund - Class 1
Templeton International Securities Fund - Class 2
Templeton Growth Securities Fund - Class 2
Templeton Asset Strategy Fund - Class 2
Mutual Shares Securities Fund - Class 2
Hartford Money Market HLS Fund

Annual Charges:

Administration: $30 annually (waived if account value is above $50,000)
M&E: 1.50% years 1-7, Declines to 1.25% year 8+.
Management: .48 - 2.76%

Required Annuitization:

Later of 90 (100 for CRT's) or 10 years from issue. Not enforced. Enforced in NY at age 90. Fixed or variable annuitization available.

Death Benefit:

Payable upon death of the owner or annuitant. Pays greater of: 1) account value, 2) premiums paid less withdrawals or 3) maximum anniversary value to age 80. After age 80, death benefit equals the greater of 1, 2 above or 3) maximum anniversary value at 80 (adjusted for additional payments and withdrawals).

Fixed Interest Rates:

Not available

Dollar Cost Averaging:

Minimum amount in each source investment option: $5,000; minimum period: 6 months.

Systematic Withdrawals:

Available monthly, quarterly, semi-annually or annually.

1035 Exchange Guideline:

Cannot add a 1035 to an existing contract. Can add new money to existing 1035. May exchange two or more 1035's into one contract if submitted at the same time.

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This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact Thomas Harding at 800-944-7730 for information and availability.