1. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Group Benefits Thinking Big about Small Business Introducing the Small Business Center

2. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 2 The following informational webinar is intended to provide you with an introduction to the Group Benefits Small Business Center. The content is not intended to provide legal, accounting or other professional advice or opinion. When such advice is needed, consult with an attorney. In the event of a loss, the terms of the policy issued to the policyholder will determine the coverage provided. Questions concerning The Hartford’s underwriting guidelines should be discussed with your Hartford Small Business Specialist, or reviewed on the Small Business Solutions website.

3. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 3 Today’s presenters PresenterDonato Monaco Vice President, Small Business Group Benefits Donato.Monaco@thehartford.com FacilitatorBob Hayes Program Manager Hartford School of Insurance Robert.Hayes@thehartford.com 3

4. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Today’s agenda Macroeconomic Trends Top Concerns Identified in Hartford Survey Opportunity for Producers to Diversify and Differentiate Strategic Vision for Group Benefits Small Business Comprehensive Solution Offering and New Capabilities Q&A 4

5. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Macroeconomic trends: small businesses comprise half of the national GDP Small business growth will be a primary driver to lead us out us out of recession. 1 5 1 ADP National Employment Report, March, April and May 2012 (non-farm, private business).

6. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Macroeconomic Trends: nearly half of all job creation is coming from <50 employee firms 6

7. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Small businesses cite concerns related to their benefits offering The Hartford’s Small Business Survey 1 of employers identified two key concerns: –Increased benefits costs –Employee recruiting and retention in a competitive environment 7 1 The Hartford’s Small Business Success Study, November 2011.

8. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Opportunity exists for brokers to further diversify and differentiate Complement current offering with suite of employer and employee paid benefits including; –Group Life & AD&D –Short and Long Term Disability Offer value priced solutions –Simplify pricing and decision making for business owners Bundle with exceptional service and claims management –Phone & web-based self service –Integrated / automated payroll vendor support to facilitate administration 8

9. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Our strategic vision to better enable small business brokers The Hartford’s commitment to you – Provide value oriented, customer centric solutions – Sold through highly partnered distribution relationships 9

10. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Solutions to address challenges brokers facing small businesses today We’re making it easier for small business producers to write new business Addressing cost concerns for small businesses Helping small businesses recruit and retain talent 10

11. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Broker feedback shows satisfaction with our small business products, pricing & service offering 1 Broker satisfaction is highest for <50 employee size business Key reasons cited for high broker satisfaction scores: –High level of service –From dedicated, knowledgeable, responsive, experienced Small Business staff –Competitive products and rates 11 The Hartford’s Customer Advocacy Report: Net Promoter Scores ®

12. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Announcing the launch of our new Small Business Center to offer enhanced sales support Dedicated Small Business Specialists –Consultative sales support for small business brokers –Consistent experience nationwide with expanded hours of operation Streamlined workflows and automation –Reducing your RFP submission work –Speeding turn-around time Small Business website with online tools and new capabilities –24/7 access to complete product information –New tools to facilitate RFP requests and submissions 12

13. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 13

14. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 In addition, we’re expanding industry eligibility, offering more competitive pricing, and providing new capabilities Expanding industry class eligibility for groups with 4-9 employees Auto-applying 10% price reduction on 25-49 employee groups Launching new web-based quote proposal request tools Automating administration and billing through payroll vendor support Providing a consistent and consultative nationwide broker experience Streamlining underwriting, pricing guidelines and workflow process improvements to reduce broker work and turnaround time Available Today! 14

15. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Enhancements to our small business offering planned for later this year Small business e-newsletters and social media communications Topical webinars for both producers and small businesses to assist brokers with prospecting and persistency Small Business Producer Advisory Council for highly partnered brokers 15

16. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Additional considerations for which we’ll gather your feedback to help inform our development Real-time web based quoting for groups with 4-49 employees Enhanced online enrollment and evidence of insurability “Good”, “Better”, “Best” plan designs and “Businesses Like Me Buy” coverage analyzers New product development based on customer and broker feedback 16

17. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Call to action: submit all RFP’s for employer groups with 4-49 lives directly to the Small Business Center starting today! Proposal support Re-rates situations General sales and/or product related inquiries Notification of sold cases 17

18. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Continue to leverage local sales expertise for larger cases and specialty business For all groups with 50 or greater employees For opportunities of any size involving: – Physician Segment/Outpatient Healthcare – Attorney Segment/Legal – Statutory STD (CA, HI, NY, NJ, PR, RI) – Group Retiree Health – Accident Lines 18

19. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 Questions Thinking Big about Small Business

20. Copyright © 2012 by The Hartford. Confidential. All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. 4486-A NS 06/12 The Hartford ® is The Hartford Financial Services Group, Inc. and its subsidiaries, including its administrative services company, Hartford-Comprehensive Employee Benefit Service Company and issuing companies Hartford Life Insurance Company, Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. All non-property and casualty policies sold in New York are underwritten by Hartford Life Insurance Company. The home office of Hartford Life Insurance Company is Simsbury, CT. All property and casualty policies are underwritten by Hartford Fire Insurance Company, Inc., and its property and casualty affiliates, Hartford, CT. This document outlines in general terms certain benefits and services that may be afforded under a Hartford policy or service contract. In the event of a conflict, the terms and conditions of the policies and contracts prevail. All Hartford policies and services described in this document may be offered by one or more subsidiaries of The Hartford Financial Services Group, Inc. 20