Group Benefits LIFE CONVERSATIONS FROM THE HARTFORD FEATURING EVEREST FUNERAL PLANNING
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1 Group Benefits LIFE CONVERSATIONS FROM THE HARTFORD FEATURING EVEREST FUNERAL PLANNING
2 REACH OUT, START A CONVERSATION AND PLAN FOR YOUR FUTURE. Many people find it hard to discuss financial matters, insurance needs, end-of-life decisions, or the loss of a loved one. Being open about these issues, however, can make difficult times easier by eliminating uncertainty and doubt. So be the first to reach out and plan for tomorrow with Life Conversations from The Hartford. 1
3 Rely on Life Conversations for reassuring support and the right answers. Selecting the appropriate amount of life insurance Creating a will Funeral planning and grief counseling Life Conversations is a single source to help families prepare for the future and navigate difficult end-of-life decisions. Life Conversations includes access to the tools and services, including Everest, 2 the first nationwide funeral planning and concierge service. Life Conversations can save a family $1,800 - $6,000 in will services and funeral costs.3 one
4 PLANNING TOOLS AND SERVICES Life Insurance Why do you need it? How much do you need? Calculators Important product features - Accelerating the benefit with the Living Benefit Option - Taking the coverage with you with Portability and Conversion - Traveling confidently with Travel Assistance 4 - Gaining peace of mind at time of claim with the Safe Haven program Estate Planning Conversation starters - How to talk to your family about estate planning Calculators Creating a will online with EstateGuidance 5 two
5 Funeral planning - 24/7 funeral planning assistance from funeral advisors - Online planning tools - PriceFinder search reports AT-NEED SERVICES Funeral Concierge Services 24/7 funeral planning from licensed funeral directors Provides as much or as little support as the family needs Gathers pricing information and negotiates funeral service prices with local funeral homes Includes Life Conversations Express Pay which can expedite the benefit payment in as little as 48 hours Family Support Legal, emotional and financial counseling to help cope with a loss with Beneficiary Assist 6 - Individualized assessment and plan available upon request - Unlimited phone contact with counselor for up to one year - Five face-to-face sessions with a certified counselor Guidance in filing a claim Life Conversations provides you and your beneficiaries with convenient, online information and 24/7 advisor support. three
6 See wallet card for your program s access information. Easy access to information you need for important life decisions. As a covered employee under The Hartford s Group Life policy, you, your spouse/partner and dependents 7 have access to all the tools and resources available under the program. Visit for more information. Making decisions about your life planning often takes a little guidance. We understand. And we re here for you with the right services and tools whenever you need them. Begin today. four
7 1 The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. 2 2 Funeral costs Concierge range Services of savings are based offered on through average savings Everest experienced Funeral Package, by actual LLC (Everest). families. Everest Range and the of savings Everest and logo case are studies service are marks provided of Everest for illustrative Funeral purposes Package, only. LLC. Individual Everest circumstances, is not affiliated customer with The choice, Hartford market and is forces not a and other provider factors of insurance can influence services. prices Everest and potential and its affiliates savings and therefore have no affiliation substantially with influence Everest ReGroup, actual results. Ltd., Everest Results and savings Reinsurance are not guaranteed. Company Will or service any of savings their affiliates. based on an average hourly rate of $266/hour (2006 Survey of 3 Law Average Firm Economics, range of savings Altman based Weil Pensa on average Publications). savings experienced by actual Everest families. Range of savings 3 and Funeral case studies Concierge are provided Services for are illustrative offered through purposes Everest only. Individual Funeral Package, circumstances, LLC (Everest). customer Everest choice, is market not affiliated forces and other with factors The Hartford can influence and is prices not a and provider potential of insurance savings and services. therefore Everest substantially and its affiliates influence have actual no results. affiliation Results with Everest ReGroup, Ltd., Everest and savings Reinsurance are not Company guaranteed. or any of their affiliates. 4 Travel Assistance is provided by Europ Assistance USA. 4 Europ Travel Assistance USA is provided is not affiliated by Europ with Assistance The Hartford USA. Europ Assistance and is USA not is a not provider affiliated of insurance with The services. Hartford and is not a provider of insurance services. 5 EstateGuidance services are provided through The 5 Hartford EstateGuidance by ComPsych. ComPsych is offered through is not affiliated ComPsych. with ComPsych The Hartford is not and affiliated is not a provider with The of Hartford insurance and services. is not a provider of insurance services. 6 Beneficiary Assist is offered through The Hartford by 6 ComPsych. Beneficiary ComPsych Assist not is offered affiliated through with The ComPsych. Hartford ComPsych is not and affiliated is not a provider with The of Hartford insurance and services. is not a provider of insurance services. 7 Dependent eligibility varies by service. 7 See Dependent eligibility varies by service. for See more information. more information. (Please cut here.) Life LIFE Conversations CONVERSATIONS provides PROVIDES tools TOOLS AND and services SERVICES TO to GUIDE guide you YOU through THROUGH major MAJOR LIFE life decisions. DECISIONS. Call or visit for more information.
8 Group Benefits THE HARTFORD IS the official disability insurance sponsor of U.s. paralympics /11 Printed in the USA 2011 The Hartford, Hartford, CT USC Everest Funeral Planning and EstateGuidance Will Preparation. The first time you access Everest Funeral Planning services and EstateGuidance Will preparation services, you ll need your employer promotional codes found below. EstateGuidance Promotional Code: WILLHLF Everest Funeral Planning Access Code: HFEVLC
9
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