The Hartford 2009 Annual Report Download - page 83
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83
INDIVIDUAL LIFE
Operating Summary 2009 2008 2007
Fee income and other $ 1,027 $ 899 $870
Earned premiums (87) (71) (62)
Net investment income 335 338 359
Net realized capital losses (145) (252) (28)
Total revenues 1,130 914 1,139
Benefits, losses and loss adjustment expenses 640 627 562
Insurance operating costs and other expenses 188 202 193
Amortization of deferred policy acquisition costs and
present value of future profits
314
169
121
Total benefits, losses and expenses 1,142 998 876
Income (loss) before income taxes (12) (84) 263
Income tax expense (benefit) (27) (41) 81
Net income (loss) $ 15 $ (43) $182
Account Values
2009
2008
2007
Variable universal life insurance $ 5,766 $ 4,802 $7,284
Universal life/interest sensitive whole life 5,071 4,727 4,388
Modified guaranteed life and other 622 653 677
Total account values $ 11,459 $ 10,182 $12,349
Life Insurance In-force
Variable universal life insurance $ 78,671 $ 78,853 $77,566
Universal life/interest sensitive whole life 55,169 52,356 48,636
Term life 69,932 63,334 52,298
Modified guaranteed life and other 897 921 983
Total life insurance in-force $ 204,669 $ 195,464 $179,483
Net Investment Spread
81 bps
90 bps
130 bps
Death Benefits
$ 346 $ 359 $298
Individual Life provides life insurance solutions to a wide array of business intermediaries to solve the wealth protection, accumulation
and transfer needs of their affluent, emerging affluent and small business insurance clients.