The Hartford Insurance Company

The Hartford Insurance Company

The Hartford services millions of satisfied customers around the world through independent agents, brokers, financial institutions and also online. Customers include:

Individuals

The Hartford Insurance Company offers the products and services which are necessary for individuals and families to protect and grow their wealth. You may not look at insurance as a means of protecting your wealth, but it is designed to ensure a secure financial future. Consider the following examples:

• Home and automobile insurance
• 529 college savings plans
• Variable universal life
• Universal life insurance products
• Individual annuities
• Mutual funds

Institutions

Hartford offers disability, life and accident insurance products for associations and affinity groups. These associations can then in turn offer coverage to their members, and financial institutions can do the same with their customers.

These products include:

• Disability Income Protection
• Accident Disability Plan
• Business Overhead Plan
• Term Life Insurance
• Accidental Death and Dismemberment
• Bank Club Program
• Hospital Indemnity Program
• Thank You AD & D

Businesses

Hartford Insurance designs business insurance answers specifically for midsize businesses. These customized programs insure thousands of different kinds of businesses including:

• Manufacturers
• Contractors
• Professional service providers
• Educational institutions

Insurance Coverage Available to Protect Businesses

• Property insurance – this coverage includes equipment breakdown and business income protection
• General liability – this includes product liability and employment practices liability coverage
• Workers' compensation insurance
• Commercial auto insurance
• Professional liability
• Marine insurance
• International insurance

Disability Coverage

Individuals can rest easy with the right disability insurance coverage. For example, Disability Income Protection coverage includes benefits that are equal to a portion of the insured's monthly salary when they can't work because they are ill or injured. This plan comes with choices so individuals can choose coverage amounts, length of waiting periods, how long benefits will be paid along with other options.

Beyond this, The Hartford Company concentrates on the individual and designing a treatment plan to help them be able to get back to work. In this effort they offer services like:

• Clinical and Vocational Rehabilitation
• Assistance Programs to help deal with personal problems
• Social Security Assistance to help apply for and receive disability benefits

Optional Disability Benefits

• Cost of Living Adjustment so benefits keep up with the cost of living
• Spouse Coverage for spouses who work a full time job
• Business Overhead Option (for business owners)
• Personal Accident Options – these provide extra protection for accidental death and dismemberment

Business Overhead Plan

This Hartford plan offers protection for business owners who become disabled and cannot work. Along with the assurance and peace of mind that comes from these disability income benefits, business owners who also have taken The Business Overhead Option receive reimbursements for actual business expenses including things like:

• Office rent
• Utilities
• Employee salaries

Earnings Guard

This plan covers individuals who suffer an injury that occurs off the job. It pays benefits equal to a portion of the injured person's monthly salary while they can't work. This plan is also known as The Hartford's Accident Disability Plan and it supplies 24-hour accident coverage no matter where you are. Here are some important factors to know about this plan:

• Accidents are covered but illness is not
• Benefits can be arranged to include up to 70 percent of regular monthly pay with a cap of $2,000 to $5,000 per month.
• Coverage cannot be denied for medical reasons.
• Benefits are received above and beyond other disability benefits or Social Security.
• Benefits are payable for up to two years.

Investment Products

Along with their insurance plans and products, The Hartford is also a leading provider of investment products including annuities, mutual funds, and college savings plans. They credit their success in the investment sector to:

• The breadth of their professional experience
• Their disciplined investment management process
• Their broad array of client investment management solutions
• A consultative approach to client service

Whether you turn to The Hartford to meet your insurance or investment needs, the secret to their long-lived success is their ability to keep their customers satisfied. Long-term customer relationships are the result of The Hartford putting their client's needs first.