ION is a
free service available to distributors of financial service products, offering
a new cost-effective alternative to other "pay to play" online quote systems.

2 billion.silverplume.

This category is for web sites that are a directory of insurance CARRIERS, direct links or mailing addresses leading to insurance companies which are not on the web.

resolving casualty

ION will be available through several broker-dealers and banks.
"The choices available to consumers in today's life insurance marketplace
continue to expand."
"The ION system revolutionizes how life insurance is transacted in the
financial services industry -- it is a game-changing platform ," said John
Deremo, senior vice president of Protective Life Insurance Company's Life and
Annuity Division (Protective Life).0 billion and assets of
$27.
The Hartford cautions investors that these forward-looking statements are not
guarantees of future performance, and actual results may differ materially.com

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evaluate commissioners

"
ION will provide quotes on 10- and 20-year term life policies from
Hartford Life and Annuity Insurance Company and 10-, 15-, 20- and 30-year term
life policies from Protective.
Financial professionals can use ION to generate quotes for term life
insurance from multiple carriers based on information about the client's age,
requested coverage amount, gender , risk class, and coverage period.

complaints divided

Investors should consider the important risks and uncertainties that may cause
actual results to differ.

workforce difference

Eventually, ION may provide quotes from participating carriers on other
product offerings such as permanent life insurance, including variable
universal life, universal life and whole life products. The company is a
leading provider of investment products , life insurance and group benefits;
automobile and homeowners products; and business property-casualty insurance.
Neither The Hartford nor Protective Life nor their agents or employees
provide tax or legal advice. These important risks and uncertainties include
those discussed in The Hartford 's Quarterly Reports on Form 10-Q, The
Hartford's 2004 Annual Report on Form 10-K and the other filings The Hartford
makes with the Securities and Exchange Commission.

issued holdings

A tele-interviewer from the selected carrier will contact the consumer to
gather medical and financial information.

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, The Hartford Financial
Services Group, Inc.

depending employer

Carriers Create New Insurance Online Network(TM) for Term Life Policies

SIMSBURY, Conn. An automated system will compile
all the information, transfer it to a formal life insurance application, and
forward it to an underwriter.
Term life insurance policies are issued by Hartford Life and Annuity
Insurance Company and Protective Life Insurance Company/Protective Life and
Annuity Insurance Company.
Some of the statements in this release may be considered forward-looking
statements as defined in the Private Securities Litigation Reform Act of 1995.

Company: SilverPlume

Headquarters Address: 2477 55th Street
201-B
Boulder, CO 80301

Main Telephone: 303-444-0695

Website: www.com

Business Development
Contact: Chris Kennedy
Phone: 800-677-4442
Email: ckennedy@silverplume.

insurance divided

Life Alliance, LLC created the Insurance Online Network(TM) (ION), a Web-
based platform designed to make it easier and quicker for financial
professionals to provide their clients with quotes on term life insurance from
multiple carriers , from the convenience of their own desktops. Online status information, from underwriting to
policy issue, is available to financial professionals via the carriers'
websites. It has annual revenues of approximately $2.

insurance evaluate

The Hartford and Protective Form Joint Venture to Offer Term Life Insurance Quotes Online

evaluate maximize

"At The Hartford, we continually work to streamline our processes
to make it easier for more people meet their financial security needs.

insure resolving

There are
no medical questions asked at the time a quote is requested.

insurance maximize

ION also
provides financial professionals with links to the quoting insurance
companies.

carriers ahip

Contact(s):
David Potter Eric Miller
The Hartford Protective Life
860-843-8993 800-628 -6390
eric.com

Type of Organization: Private

Industry: Insurance Information

Key Executives: CEO: Christina Nelson
COO: Steve Hirsch

Sales + Marketing
Contact: Shaun McNeill
Phone: 800-677-4442
Email: smcneill@silverplume.

maximize divided

"This new venture will provide a value-added
service for financial professionals and their clients in selecting term life
insurance.
"The ION system sets a new standard on how easily financial professionals
and their customers can do business with insurance carriers," The Hartford's
Kalen said. "We believe ION will set the
standard by which other quotation systems are measured on convenience , product
selection and ease of use.
The Hartford is The Hartford Financial Services Group , Inc.

Business Editors

----SilverPlume is the property and casualty
insurance industry 's leading provider of electronic insurance and risk
reference material. Online information is provided to over 3,000
agencies, brokers, insurance companies, reinsurers and corporate risk
managers.

annuity issued

The ION system will help put us in the forefront of this
trend," said Michael Kalen, executive vice president of The Hartford's
Individual Life Division.

holdings carriers

"
"We developed ION collaboratively to help provide financial services firms
an unparalleled level of service and ease of use unrivaled in the insurance
industry today," Protective's Deremo said. As with all matters of a tax or legal nature,
your clients should consult their own tax or legal counsel for advice.miller@protective.

ncci employer

and its
subsidiaries, including the issuing companies of Hartford Life Insurance
Company and Hartford Life and Annuity Insurance Company.

difference quite

(NYSE: HIGPL),
through wholly owned subsidiaries, have formed Life Alliance, LLC, a new
online joint venture to help broker-dealers, banks and other distributors meet
their customers' term life insurance needs. "We have placed the power of choice in
the hands of brokers -- it is just a single click away.

annuity commissioners

Company Profile for SilverPlume

commissioners quite

The Hartford is one of the nation's largest financial services and
insurance companies, with 2004 revenues of $22.7 billion.com

maximize casualty

maximize annuity

pertinent depot

Available face amounts start at $100,000. Once a consumer
selects a quote , the financial professional electronically submits the
information to the carrier for underwriting and processing."
Protective Life Corporation, parent company of Protective Life Insurance
Company , provides financial services through the production, distribution and
administration of insurance and investment products throughout the United
States. The Hartford assumes no
obligation to update this release, which speaks as of the date issued.

ncci difference

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