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How do you secure the future when the present is 
puzzling enough? It’s a big challenge, and The Hartford’s
primary objective. Everything we do is designed to help
our customers deal with the uncertainties that lie ahead.
The Hartford believes the best way to secure the
future is to provide customers with the right products,
and then back those products with outstanding per-
formance and great service. Staying focused on this
objective was never more important—or more chal-
lenging—than in 2001.
True to form, The Hartford’s life operations’ annu-
ities and mutual funds delivered high-quality perform-
ance in a time of market turmoil. Despite an anemic stock
market, 87 percent of the funds in The Hartford’s Director
variable annuity remained in the ﬁrst or second quartile
of three-year returns within the Lipper Peer Group in
2001. Sixty-four percent of the funds in the Leaders suite
of annuities and 91 percent of The Hartford’s mutual
funds remained in the ﬁrst or second quartile over the
three-year period.
The ability to deliver that kind of performance 
can be traced to our money managers—Wellington
Management Co., American Funds, Franklin Templeton
Investments, MFS Investment Management, AIM 
Funds Management, Inc., Putnam Investment
Management and The Hartford’s own Hartford
Investment Management Co. 
All of The Hartford’s money managers have years
of experience and are among the most respected ﬁrms
in the industry. Their experience and expertise were
especially important during the market volatility we
saw in 2001. They always stay focused on long-term
performance, which is the true measuring stick of The
Hartford’s value to its customers.
Besides outstanding products and excellent man-
agement, great service is a critical component in deliv-
ering the right solutions to our customers. In 2001,
The Hartford won an unprecedented sixth consecutive
DALBAR Annuity Service Award, as well as the 
products& services