The Hartford Life Insurance Company-

The Hartford LIFE INSURANCE Company REVIEW 2022

By James Tobin, CFP®

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Please note Bequest Mutual life Insurance is not in any way affiliated with The Harford. This article is our personal review of the term life insurance product offered through The Hartford as well as alternatives. If you are looking to contact The Hartford directly, call them at
800-243-5433. If you are looking for a lost policy, contact the NAIC policy locator service  for help.


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Reviewed by

Jim Tobin, CFP®

Why you can trust this review

At Bequest Mutual Life Insurance, we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this site do not approve reviews. 

Hartford Life Insurance Company History

Founded in 1810 Hartford Life Insurance Company has grown to be part of the multi- Billion dollar The Hartford Group enterprise. Hartford Life Insurance Company itself exited the individual market in 2013 by selling it's individual coverage to Prudential. 

The Hartford Life Insurance Company or The Hartford, as it's known in life insurance circles, was purchase in 1970 by ITT and has since been spun off as in independent entity.

After going public with an initial public offering in 1997, The Hartford changed it's mind and went private again in 2000 

The current focus of the Hartford is property and casualty insurance (sold through AARP), the group offers group and voluntary life insurance through it's employee benefits division.  

Once a significant player in the annuity market, The Hartford sold it's annuity portfolio to Mass Mutual in 2013.

Hartford Life Insurance Company Ratings

The Hartford Life Insurance Company strong ratings for financial stability. This indicates that the company is in strong position to meet it's obligations going forward.  

  • A.M. Best Company:  The Hartford  rating given by A.M. Best was an A+ (Superior).
  • Moody's Ratings: The Hartford rating given by Moody's was an A1 (Superior). 
  • S&P Ratings- The Hartford rating given by S&P was an A+ (Strong).
  • Comdex Score- n/a

Hartford Life Insurance Company Products 

The Hartford Life Insurance Company  offers both group life and voluntary life to the employees of businesses that us the carrier for employee benefits.

Group life is provided in the multiple of your salary as dictated by your plan. The group plans have options for convertibility and portability as well as a living benefit rider that goes as high as $500000. 

The voluntary plan is not reliant on being a multiple of your salary, but is, like its' name    voluntary.  It is however an employee benefit that is only available as an employee unless convertibility options are exercised. 

Both of these employee benefit products are group underwritten ,. This simply means that as long as the group is big enough, there is no individual underwriting and coverage is automatic.

Other Life Insurance Company of The Hartford Life Insurance Company

In addition to it's group life insurance products, it also  offers  group accident, group disability, group retirement health care insurance.

The Hartford Life Insurance Company  is known for innovative employee benefit products and is a leader in the employee benefit market place.

The Hartford Life Insurance Company  Rates and Quotes

The Hartford Life Insurance Company  markets it's products directly though it's agents and independent agents.

Because employee benefit life insurance rates are largely a function of the number of employees, it is difficult to get a handle on rates and quotes without consulting a Hartford Agent. 

Are The Hartford Life Insurance Company Voluntary  Rates Competitive?

Not likely. 

Probably not the answer you were looking for, I know. It is however, the truth. 

Because voluntary policies are group underwritten, they generally can't compete (particularly in the later years) with individual policies. Because voluntary coverage is an employee benefit, it is not easy to for the public to access rate information.

However, it has been our experience that voluntary group underwritten policies are never the price leaders. 

Price busters, like Banner LifeProtective and Lincoln are consistently  much less expensive. Whereas, even impaired risk carriers like Prudential are less costly.

Cases where The Hartford Life Insurance Company  is not a great choice

While employer paid group underwritten coverage  is great, voluntary expenditures require more deliberation.

If you have a specific condition, you are best off speaking with an independent agent to find out which carrier will give you the best chance to get approved at a great rate that will last beyond employment with your current employer.  

That being said, if you have a serious health condition, group underwriting can be your best friend. The best practice is to see what is available in the private market  and compare.

The Hartford Life Insurance Company Suicide Exclusions

The 2 year suicide clause that is part of all life insurance policies in the United States, is the same. (Note that some states use a 1 year exclusion)  

The Hartford Life Insurance Company  Customer Service

The National Association of Insurance Commissioners reports a complaint index of .44 for NLG. This is well below the national average of 1 percent

Additionally, while The Hartford Life Insurance Company  is not rated by JD Power & Assoc., it has a BBB rating of A-.

The Hartford:

Address: The Hartford Financial Services Group, Inc.
690 Asylum Avenue
Hartford, CT 06155

Phone: 860-547-5000

Web:[email protected]

The Hartford Life Insurance Company

Review Final Verdict

Is The Hartford right for you?  It really all depends on your situation.

If you have notable health impairment(s), you will likely be better suited by shopping around on the open market and then comparing what you find to the voluntary insurance rate. 

Moreover, having the use of an independent expert who can send your application to a carrier that is likely to view you in the best possible light has value that The Hartford  can't offer.

However, if you are uninsurable  in the individual market, then group underwritten  voluntary coverage is a home run.  

Thank you for choosing Bequest Mutual to shop for life insurance.

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