We are proud to announce our new affiliation with The Hartford. This arrangement will provide Connecticut & Massachusetts Chambers of Commerce access to The Hartford’s innovative and competitive suite of individual life insurance products.

In this challenging economic environment, are you prepared for these outcomes?

• 58% of men and 79% of women over age 65 will need some type of chronic illness care during their lifetime¹
• 38% of men and 50% of women are expected to live to age 90²
• 17% of men and 29% of women will be widowed for 10 years or more³ following the death of their spouse

With Hartford Bicentennial UL Freedom^® with The Hartford Access Suite of Benefits^SM, your life insurance policy can provide you with income if you live too long or pay your loved ones a benefit if you die too soon or provide a benefit if you become chronically ill.

You have worked hard and sacrificed to give your family the quality of life that they now enjoy. You are considering the purchase of a life insurance policy to protect your loved ones from the financial impact of your premature death.

However, only planning for one possible outcome does not provide you and your family with protection against other life events that could threaten financial security. A chronic illness, for example, could derail your protection plans. Market volatility or significant tax changes can quickly erode your savings that you have set aside for the later years in life and leave you without enough income if you live longer than anticipated. Even people who believed they had planned accordingly found themselves having to adjust their lifestyle when faced with an unexpected life event. Does your current strategy provide any protection for these possible outcomes?

To get started today on planning for life’s outcomes, please contact CIT at (800) 953-4467 to get connected to a local agent.

¹ Long-Term Care Over an Uncertain Future: What Can Retirees Expect? by Peter Kemper, Winter 2005.

² Based on the 2008 Valuation Basic Table, Select and Ultimate Non Smoker.

³ The 2000 Individual Annuity Table Mortality Basic Table, which is based on U.S. insurance company mortality experience for personally owned lifetime annuities.

The Hartford Access Suite of Benefits^SM give you the ability to choose to use some or all of your death benefit to provide income during your life if you become chronically ill or live longer than you had financially planned to through our living benefit riders. Any remaining death benefit can be passed to your policy beneficiary. Receiving rider living benefits under the LifeAccess Accelerated Benefit Rider® or the LongevityAccess RiderSM will reduce, and in some cases eliminate, the death benefit available to your beneficiaries. Taking benefits under one living benefit rider may also reduce or eliminate the benefits available under the other living benefit rider. Benefits from more than one rider cannot be received at the same time. These riders are available on a policy for an additional cost.

Life insurance policies contain fees and expenses, including cost of insurance, administrative fees, premium loads, surrender charges and other charges or fees that will impact policy values.

"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing companies of Hartford Life Insurance Company (HLI) (New York) and Hartford Life and Annuity Insurance Company (HLA) (outside New York), Simsbury, CT. The mailing address for both issuers is P.O. Box 2999, Hartford, CT 06104-2999.

Hartford Bicentennial UL Freedom is a flexible premium universal life insurance policy. HLI policy form # HL-15908(04)(NY). HLA policy form # LA-1252(04) and may include state abbreviations. Features may vary by state.

Chamber Insurance Trust is not an affiliate or subsidiary of The Hartford. LIF108105 10/11