Director Epic Plus 1 Combined Document



Number of Accumulation Units outstanding at end of period (in thousands)	5,318		7,513		11,443		15,771		20,841		27,037		29,230		38,626		43,530		44,223
With MAV70 Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.655	$	1.714	$	1.628	$	1.554	$	1.476	$	1.310	$	1.449	$	1.413	$	1.377	$	1.373
Accumulation Unit Value at end of period	$	1.717	$	1.655	$	1.714	$	1.628	$	1.554	$	1.476	$	1.310	$	1.449	$	1.413	$	1.377
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.614	$	1.674	$	1.591	$	1.520	$	1.445	$	1.285	$	1.422	$	1.388	$	1.354	$	1.351
Accumulation Unit Value at end of period	$	1.673	$	1.614	$	1.674	$	1.591	$	1.520	$	1.445	$	1.285	$	1.422	$	1.388	$	1.354
Number of Accumulation Units outstanding at end of period (in thousands)	6,873		9,657		16,750		20,516		26,365		29,843		30,497		30,848		28,169		27,811
With The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.614	$	1.674	$	1.591	$	1.520	$	1.445	$	1.285	$	1.422	$	1.388	$	1.354	$	1.351
Accumulation Unit Value at end of period	$	1.673	$	1.614	$	1.674	$	1.591	$	1.520	$	1.445	$	1.285	$	1.422	$	1.388	$	1.354
Number of Accumulation Units outstanding at end of period (in thousands)	6,873		9,657		16,750		20,516		26,365		29,843		30,497		30,848		28,169		27,811
With MAV70 Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.605	$	1.665	$	1.584	$	1.514	$	1.440	$	1.281	$	1.418	$	1.385	$	1.352	$	1.350
Accumulation Unit Value at end of period	$	1.663	$	1.605	$	1.665	$	1.584	$	1.514	$	1.440	$	1.281	$	1.418	$	1.385	$	1.352
Number of Accumulation Units outstanding at end of period (in thousands)	136		199		501		463		535		760		813		1,211		1,392		1,458
With MAV/EPB Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.586	$	1.647	$	1.568	$	1.501	$	1.429	$	1.272	$	1.410	$	1.379	$	1.347	$	1.346
Accumulation Unit Value at end of period	$	1.642	$	1.586	$	1.647	$	1.568	$	1.501	$	1.429	$	1.272	$	1.410	$	1.379	$	1.347
Number of Accumulation Units outstanding at end of period (in thousands)	578		694		884		1,455		1,942		2,707		2,729		2,165		1,767		1,635
With MAV70 Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.578	$	1.639	$	1.561	$	1.495	$	1.424	$	1.268	$	1.406	$	1.376	$	1.345	$	1.345
Accumulation Unit Value at end of period	$	1.632	$	1.578	$	1.639	$	1.561	$	1.495	$	1.424	$	1.268	$	1.406	$	1.376	$	1.345
Number of Accumulation Units outstanding at end of period (in thousands)	393		572		704		731		964		1,137		1,166		1,422		1,181		1,059
With The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	12.727	$	13.229	$	12.607	$	12.076	$	11.510	$	10.256	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	13.158	$	12.727	$	13.229	$	12.607	$	12.076	$	11.510	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	734		829		1,066		1,071		873		351		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.392	$	1.447	$	1.380	$	1.323	$	1.261	$	1.124	$	1.248	$	1.222	$	1.196	$	1.197
Accumulation Unit Value at end of period	$	1.438	$	1.392	$	1.447	$	1.380	$	1.323	$	1.261	$	1.124	$	1.248	$	1.222	$	1.196
Number of Accumulation Units outstanding at end of period (in thousands)	1,482		1,838		2,569		3,045		3,555		3,751		3,866		4,025		4,047		4,095
With MAV70 Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	12.598	$	13.121	$	12.529	$	12.025	$	11.485	$	10.254	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	12.998	$	12.598	$	13.121	$	12.529	$	12.025	$	11.485	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	6		4		7		6		4		2		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	12.534	$	13.068	$	12.491	$	12.000	$	11.472	$	10.253	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	12.919	$	12.534	$	13.068	$	12.491	$	12.000	$	11.472	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	54		68		109		190		163		99		—		—		—		—



Sub-Account	As of December 31,
	2014		2013		2012		2011		2010		2009		2008		2007		2006		2005
Hartford U.S. Government Securities HLS Fund
Without Any Optional Benefits
Accumulation Unit Value at beginning of period	$	1.162	$	1.202	$	1.179	$	1.144	$	1.121	$	1.103	$	1.129	$	1.100	$	1.076	$	1.078
Accumulation Unit Value at end of period	$	1.175	$	1.162	$	1.202	$	1.179	$	1.144	$	1.121	$	1.103	$	1.129	$	1.100	$	1.076
Number of Accumulation Units outstanding at end of period (in thousands)	11,000		14,412		18,580		21,661		26,487		32,236		42,486		28,795		28,728		37,908
With MAV 70 Death Benefit
Accumulation Unit Value at beginning of period	$	1.135	$	1.177	$	1.157	$	1.124	$	1.104	$	1.088	$	1.116	$	1.090	$	1.068	$	1.072
Accumulation Unit Value at end of period	$	1.145	$	1.135	$	1.177	$	1.157	$	1.124	$	1.104	$	1.088	$	1.116	$	1.090	$	1.068
Number of Accumulation Units outstanding at end of period (in thousands)	1,033		1,200		2,079		2,227		2,658		3,372		4,497		3,001		2,914		3,117
With The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.135	$	1.177	$	1.157	$	1.124	$	1.104	$	1.088	$	1.116	$	1.090	$	1.068	$	1.072
Accumulation Unit Value at end of period	$	1.145	$	1.135	$	1.177	$	1.157	$	1.124	$	1.104	$	1.088	$	1.116	$	1.090	$	1.068
Number of Accumulation Units outstanding at end of period (in thousands)	1,033		1,200		2,079		2,227		2,658		3,372		4,497		3,001		2,914		3,117
With MAV/EPB Death Benefit
Accumulation Unit Value at beginning of period	$	1.121	$	1.164	$	1.145	$	1.114	$	1.095	$	1.081	$	1.109	$	1.084	$	1.064	$	1.069
Accumulation Unit Value at end of period	$	1.130	$	1.121	$	1.164	$	1.145	$	1.114	$	1.095	$	1.081	$	1.109	$	1.084	$	1.064
Number of Accumulation Units outstanding at end of period (in thousands)	4,366		5,274		7,237		8,382		11,363		15,452		19,033		20,469		22,223		23,375
With The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.115	$	1.158	$	1.140	$	1.110	$	1.091	$	1.077	$	1.107	$	1.082	$	1.062	$	1.068
Accumulation Unit Value at end of period	$	1.124	$	1.115	$	1.158	$	1.140	$	1.110	$	1.091	$	1.077	$	1.107	$	1.082	$	1.062
Number of Accumulation Units outstanding at end of period (in thousands)	8,728		12,230		16,977		21,908		29,421		41,231		54,798		46,273		55,260		70,946
With MAV70 Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.115	$	1.159	$	1.141	$	1.111	$	1.093	$	1.080	$	1.110	$	1.086	$	1.066	$	1.072
Accumulation Unit Value at end of period	$	1.123	$	1.115	$	1.159	$	1.141	$	1.111	$	1.093	$	1.080	$	1.110	$	1.086	$	1.066
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.096	$	1.140	$	1.124	$	1.096	$	1.079	$	1.067	$	1.098	$	1.075	$	1.057	$	1.064
Accumulation Unit Value at end of period	$	1.103	$	1.096	$	1.140	$	1.124	$	1.096	$	1.079	$	1.067	$	1.098	$	1.075	$	1.057
Number of Accumulation Units outstanding at end of period (in thousands)	8,603		12,104		17,794		21,784		28,699		35,027		38,321		26,068		19,429		21,471
With The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.096	$	1.140	$	1.124	$	1.096	$	1.079	$	1.067	$	1.098	$	1.075	$	1.057	$	1.064
Accumulation Unit Value at end of period	$	1.103	$	1.096	$	1.140	$	1.124	$	1.096	$	1.079	$	1.067	$	1.098	$	1.075	$	1.057
Number of Accumulation Units outstanding at end of period (in thousands)	8,603		12,104		17,794		21,784		28,699		35,027		38,321		26,068		19,429		21,471
With MAV70 Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.090	$	1.134	$	1.119	$	1.091	$	1.075	$	1.064	$	1.095	$	1.073	$	1.055	$	1.063
Accumulation Unit Value at end of period	$	1.096	$	1.090	$	1.134	$	1.119	$	1.091	$	1.075	$	1.064	$	1.095	$	1.073	$	1.055
Number of Accumulation Units outstanding at end of period (in thousands)	550		580		594		680		900		1,338		1,929		1,732		2,023		2,355
With MAV/EPB Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.077	$	1.122	$	1.108	$	1.082	$	1.067	$	1.057	$	1.089	$	1.068	$	1.051	$	1.060
Accumulation Unit Value at end of period	$	1.082	$	1.077	$	1.122	$	1.108	$	1.082	$	1.067	$	1.057	$	1.089	$	1.068	$	1.051
Number of Accumulation Units outstanding at end of period (in thousands)	483		556		1,116		1,328		1,716		1,964		2,919		1,442		795		813
With MAV70 Death Benefit and The Hartford's Principal First (50 BPS)



Accumulation Unit Value at beginning of period	$	1.072	$	1.117	$	1.103	$	1.077	$	1.063	$	1.054	$	1.086	$	1.066	$	1.050	$	1.059
Accumulation Unit Value at end of period	$	1.076	$	1.072	$	1.117	$	1.103	$	1.077	$	1.063	$	1.054	$	1.086	$	1.066	$	1.050
Number of Accumulation Units outstanding at end of period (in thousands)	6,218		6,466		8,716		6,090		5,187		3,346		2,148		1,783		1,673		2,465
With The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	1.066	$	1.112	$	1.099	$	1.074	$	1.060	$	1.051	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.070	$	1.066	$	1.112	$	1.099	$	1.074	$	1.060	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	7,489		7,382		8,959		7,672		7,806		4,452		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.061	$	1.107	$	1.094	$	1.070	$	1.057	$	1.048	$	1.082	$	1.063	$	1.047	$	1.058
Accumulation Unit Value at end of period	$	1.064	$	1.061	$	1.107	$	1.094	$	1.070	$	1.057	$	1.048	$	1.082	$	1.063	$	1.047
Number of Accumulation Units outstanding at end of period (in thousands)	672		834		1,235		1,322		1,860		1,962		1,956		1,895		1,798		1,861
With MAV70 Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	10.069	$	10.521	$	10.418	$	10.201	$	10.092	$	10.024	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	10.084	$	10.069	$	10.521	$	10.418	$	10.201	$	10.092	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	21		18		21		14		13		7		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	10.017	$	10.478	$	10.386	$	10.179	$	10.081	$	10.023	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	10.023	$	10.017	$	10.478	$	10.386	$	10.179	$	10.081	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	25		29		41		49		48		15		—		—		—		—



Sub-Account	As of December 31,
	2014		2013		2012		2011		2010		2009		2008		2007		2006		2005
Hartford Ultrashort Bond HLS Fund
Without Any Optional Benefits
Accumulation Unit Value at beginning of period	$	1.042	$	1.058	$	1.073	$	1.089	$	1.105	$	1.121	$	1.116	$	1.082	$	1.051	$	1.039
Accumulation Unit Value at end of period	$	1.026	$	1.042	$	1.058	$	1.073	$	1.089	$	1.105	$	1.121	$	1.116	$	1.082	$	1.051
Number of Accumulation Units outstanding at end of period (in thousands)	6,104		7,701		12,747		15,740		17,856		26,583		48,695		28,109		23,716		20,708
With MAV 70 Death Benefit
Accumulation Unit Value at beginning of period	$	1.015	$	1.033	$	1.050	$	1.068	$	1.085	$	1.103	$	1.101	$	1.069	$	1.040	$	1.031
Accumulation Unit Value at end of period	$	0.997	$	1.015	$	1.033	$	1.050	$	1.068	$	1.085	$	1.103	$	1.101	$	1.069	$	1.040
Number of Accumulation Units outstanding at end of period (in thousands)	394		986		1,219		850		1,650		1,745		2,576		2,252		2,246		2,020
With The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.015	$	1.033	$	1.050	$	1.068	$	1.085	$	1.103	$	1.101	$	1.069	$	1.040	$	1.031
Accumulation Unit Value at end of period	$	0.997	$	1.015	$	1.033	$	1.050	$	1.068	$	1.085	$	1.103	$	1.101	$	1.069	$	1.040
Number of Accumulation Units outstanding at end of period (in thousands)	394		986		1,219		850		1,650		1,745		2,576		2,252		2,246		2,020
With MAV/EPB Death Benefit
Accumulation Unit Value at beginning of period	$	1.000	$	1.018	$	1.036	$	1.055	$	1.073	$	1.092	$	1.090	$	1.060	$	1.033	$	1.025
Accumulation Unit Value at end of period	$	0.981	$	1.000	$	1.018	$	1.036	$	1.055	$	1.073	$	1.092	$	1.090	$	1.060	$	1.033
Number of Accumulation Units outstanding at end of period (in thousands)	319		375		736		782		1,106		1,768		3,098		493		1,118		457
With The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	0.994	$	1.013	$	1.032	$	1.051	$	1.070	$	1.088	$	1.088	$	1.058	$	1.031	$	1.024
Accumulation Unit Value at end of period	$	0.976	$	0.994	$	1.013	$	1.032	$	1.051	$	1.070	$	1.088	$	1.088	$	1.058	$	1.031
Number of Accumulation Units outstanding at end of period (in thousands)	2,151		3,358		6,585		10,234		15,533		23,756		37,299		30,785		21,519		13,986
With MAV70 Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.054	$	1.075	$	1.095	$	1.116	$	1.136	$	1.157	$	1.157	$	1.126	$	1.098	$	1.090



Accumulation Unit Value at end of period	$	1.034	$	1.054	$	1.075	$	1.095	$	1.116	$	1.136	$	1.157	$	1.157	$	1.126	$	1.098
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	0.977	$	0.998	$	1.017	$	1.037	$	1.058	$	1.078	$	1.079	$	1.051	$	1.026	$	1.020
Accumulation Unit Value at end of period	$	0.958	$	0.977	$	0.998	$	1.017	$	1.037	$	1.058	$	1.078	$	1.079	$	1.051	$	1.026
Number of Accumulation Units outstanding at end of period (in thousands)	3,529		4,685		9,603		13,596		14,608		22,634		34,940		10,975		7,505		6,974
With The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	0.977	$	0.998	$	1.017	$	1.037	$	1.058	$	1.078	$	1.079	$	1.051	$	1.026	$	1.020
Accumulation Unit Value at end of period	$	0.958	$	0.977	$	0.998	$	1.017	$	1.037	$	1.058	$	1.078	$	1.079	$	1.051	$	1.026
Number of Accumulation Units outstanding at end of period (in thousands)	3,529		4,685		9,603		13,596		14,608		22,634		34,940		10,975		7,505		6,974
With MAV70 Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	0.972	$	0.992	$	1.013	$	1.033	$	1.054	$	1.075	$	1.076	$	1.049	$	1.024	$	1.019
Accumulation Unit Value at end of period	$	0.952	$	0.972	$	0.992	$	1.013	$	1.033	$	1.054	$	1.075	$	1.076	$	1.049	$	1.024
Number of Accumulation Units outstanding at end of period (in thousands)	17		31		41		154		73		846		893		639		863		895
With MAV/EPB Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	0.961	$	0.982	$	1.003	$	1.024	$	1.046	$	1.067	$	1.070	$	1.044	$	1.021	$	1.016
Accumulation Unit Value at end of period	$	0.940	$	0.961	$	0.982	$	1.003	$	1.024	$	1.046	$	1.067	$	1.070	$	1.044	$	1.021
Number of Accumulation Units outstanding at end of period (in thousands)	78		143		253		531		612		1,286		3,510		852		510		208
With MAV70 Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	0.955	$	0.977	$	0.998	$	1.020	$	1.042	$	1.064	$	1.067	$	1.042	$	1.019	$	1.015
Accumulation Unit Value at end of period	$	0.934	$	0.955	$	0.977	$	0.998	$	1.020	$	1.042	$	1.064	$	1.067	$	1.042	$	1.019
Number of Accumulation Units outstanding at end of period (in thousands)	42		86		116		260		404		410		1,197		764		646		797
With The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	8.937	$	9.145	$	9.348	$	9.556	$	9.769	$	9.981	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	8.734	$	8.937	$	9.145	$	9.348	$	9.556	$	9.769	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	160		220		318		498		391		218		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	0.899	$	0.920	$	0.941	$	0.963	$	0.985	$	1.007	$	1.011	$	0.987	$	0.967	$	0.964
Accumulation Unit Value at end of period	$	0.878	$	0.899	$	0.920	$	0.941	$	0.963	$	0.985	$	1.007	$	1.011	$	0.987	$	0.967
Number of Accumulation Units outstanding at end of period (in thousands)	517		532		769		1,602		1,333		2,617		4,802		1,600		827		903
With MAV70 Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	8.846	$	9.070	$	9.291	$	9.516	$	9.748	$	9.979	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	8.628	$	8.846	$	9.070	$	9.291	$	9.516	$	9.748	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	2		21		3		3		2		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	8.802	$	9.033	$	9.262	$	9.497	$	9.737	$	9.978	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	8.576	$	8.802	$	9.033	$	9.262	$	9.497	$	9.737	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	11		11		39		33		44		98		—		—		—		—



Sub-Account	As of December 31,
	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Hartford Value HLS Fund
Without Any Optional Benefits



Accumulation Unit Value at beginning of period	$	1.832	$	1.412	$	1.228	$	1.274	$	1.130	$	0.924	$	1.425	$	1.330	$	1.110	$	1.045
Accumulation Unit Value at end of period	$	2.006	$	1.832	$	1.412	$	1.228	$	1.274	$	1.130	$	0.924	$	1.425	$	1.330	$	1.110
Number of Accumulation Units outstanding at end of period (in thousands)	7,385		9,384		11,608		14,026		17,411		9,372		11,975		16,547		19,703		21,272
With MAV 70 Death Benefit
Accumulation Unit Value at beginning of period	$	1.787	$	1.380	$	1.202	$	1.249	$	1.111	$	0.910	$	1.406	$	1.315	$	1.100	$	1.037
Accumulation Unit Value at end of period	$	1.952	$	1.787	$	1.380	$	1.202	$	1.249	$	1.111	$	0.910	$	1.406	$	1.315	$	1.100
Number of Accumulation Units outstanding at end of period (in thousands)	1,151		1,268		1,658		1,997		2,339		1,667		2,453		2,912		3,830		4,566
With The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.787	$	1.380	$	1.202	$	1.249	$	1.111	$	0.910	$	1.406	$	1.315	$	1.100	$	1.037
Accumulation Unit Value at end of period	$	1.952	$	1.787	$	1.380	$	1.202	$	1.249	$	1.111	$	0.910	$	1.406	$	1.315	$	1.100
Number of Accumulation Units outstanding at end of period (in thousands)	1,151		1,268		1,658		1,997		2,339		1,667		2,453		2,912		3,830		4,566
With MAV/EPB Death Benefit
Accumulation Unit Value at beginning of period	$	1.762	$	1.362	$	1.188	$	1.236	$	1.100	$	0.902	$	1.395	$	1.306	$	1.094	$	1.032
Accumulation Unit Value at end of period	$	1.924	$	1.762	$	1.362	$	1.188	$	1.236	$	1.100	$	0.902	$	1.395	$	1.306	$	1.094
Number of Accumulation Units outstanding at end of period (in thousands)	2,570		3,024		3,926		4,993		6,730		3,807		4,809		8,066		9,908		9,195
With The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.753	$	1.356	$	1.183	$	1.231	$	1.096	$	0.900	$	1.392	$	1.304	$	1.092	$	1.031
Accumulation Unit Value at end of period	$	1.913	$	1.753	$	1.356	$	1.183	$	1.231	$	1.096	$	0.900	$	1.392	$	1.304	$	1.092
Number of Accumulation Units outstanding at end of period (in thousands)	4,906		6,194		8,811		12,124		17,141		10,483		12,727		21,153		29,346		34,018
With MAV70 Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.755	$	1.358	$	1.186	$	1.235	$	1.100	$	0.903	$	1.398	$	1.310	$	1.098	$	1.037
Accumulation Unit Value at end of period	$	1.914	$	1.755	$	1.358	$	1.186	$	1.235	$	1.100	$	0.903	$	1.398	$	1.310	$	1.098
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.723	$	1.335	$	1.166	$	1.216	$	1.084	$	0.891	$	1.381	$	1.295	$	1.087	$	1.027
Accumulation Unit Value at end of period	$	1.877	$	1.723	$	1.335	$	1.166	$	1.216	$	1.084	$	0.891	$	1.381	$	1.295	$	1.087
Number of Accumulation Units outstanding at end of period (in thousands)	3,307		5,316		8,028		10,392		15,431		7,086		7,906		7,251		7,234		6,652
With The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.723	$	1.335	$	1.166	$	1.216	$	1.084	$	0.891	$	1.381	$	1.295	$	1.087	$	1.027
Accumulation Unit Value at end of period	$	1.877	$	1.723	$	1.335	$	1.166	$	1.216	$	1.084	$	0.891	$	1.381	$	1.295	$	1.087
Number of Accumulation Units outstanding at end of period (in thousands)	3,307		5,316		8,028		10,392		15,431		7,086		7,906		7,251		7,234		6,652
With MAV70 Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.713	$	1.328	$	1.161	$	1.211	$	1.080	$	0.888	$	1.377	$	1.292	$	1.085	$	1.026
Accumulation Unit Value at end of period	$	1.866	$	1.713	$	1.328	$	1.161	$	1.211	$	1.080	$	0.888	$	1.377	$	1.292	$	1.085
Number of Accumulation Units outstanding at end of period (in thousands)	196		270		311		427		611		422		591		822		919		1,025
With MAV/EPB Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.693	$	1.314	$	1.149	$	1.200	$	1.072	$	0.882	$	1.369	$	1.286	$	1.081	$	1.023
Accumulation Unit Value at end of period	$	1.842	$	1.693	$	1.314	$	1.149	$	1.200	$	1.072	$	0.882	$	1.369	$	1.286	$	1.081
Number of Accumulation Units outstanding at end of period (in thousands)	550		629		925		1,336		1,577		1,226		1,459		908		575		460
With MAV70 Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.684	$	1.307	$	1.145	$	1.196	$	1.068	$	0.880	$	1.366	$	1.284	$	1.079	$	1.023
Accumulation Unit Value at end of period	$	1.831	$	1.684	$	1.307	$	1.145	$	1.196	$	1.068	$	0.880	$	1.366	$	1.284	$	1.079
Number of Accumulation Units outstanding at end of period (in thousands)	2,597		2,504		2,328		2,650		2,930		969		780		760		726		758
With The Hartford's Principal First (75 BPS)



Accumulation Unit Value at beginning of period	$	1.676	$	1.301	$	1.140	$	1.192	$	1.065	$	0.877	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.821	$	1.676	$	1.301	$	1.140	$	1.192	$	1.065	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	5,231		5,050		4,415		5,023		5,482		1,080		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.667	$	1.295	$	1.135	$	1.187	$	1.062	$	0.875	$	1.361	$	1.280	$	1.077	$	1.021
Accumulation Unit Value at end of period	$	1.811	$	1.667	$	1.295	$	1.135	$	1.187	$	1.062	$	0.875	$	1.361	$	1.280	$	1.077
Number of Accumulation Units outstanding at end of period (in thousands)	421		477		592		919		1,070		579		762		680		801		596
With MAV70 Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	19.486	$	15.161	$	13.308	$	13.938	$	12.481	$	10.305	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	21.135	$	19.486	$	15.161	$	13.308	$	13.938	$	12.481	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	8		7		7		5		4		3		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	19.387	$	15.099	$	13.267	$	13.909	$	12.468	$	10.304	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	21.007	$	19.387	$	15.099	$	13.267	$	13.909	$	12.468	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	6		16		17		10		11		1		—		—		—		—



Sub-Account	As of December 31,
	2014		2013		2012		2011		2010		2009		2008		2007		2006		2005
HIMCO VIT Index Fund (a)
Without Any Optional Benefits
Accumulation Unit Value at beginning of period	$	1.344	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.453	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	7,694		—		—		—		—		—		—		—		—		—
With MAV 70 Death Benefit
Accumulation Unit Value at beginning of period	$	1.307	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.413	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	1,195		—		—		—		—		—		—		—		—		—
With The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.307	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.413	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	1,195		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit
Accumulation Unit Value at beginning of period	$	1.286	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.390	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	1,521		—		—		—		—		—		—		—		—		—
With The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.279	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.382	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	6,253		—		—		—		—		—		—		—		—		—
With MAV70 Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	1.503	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.624	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First Preferred



Accumulation Unit Value at beginning of period	$	1.256	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.357	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	2,807		—		—		—		—		—		—		—		—		—
With The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.256	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.357	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	2,807		—		—		—		—		—		—		—		—		—
With MAV70 Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.248	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.348	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	174		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	1.232	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.331	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	215		—		—		—		—		—		—		—		—		—
With MAV70 Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.225	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.323	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	3,525		—		—		—		—		—		—		—		—		—
With The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	20.722	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	22.379	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	289		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	1.212	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	1.309	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	155		—		—		—		—		—		—		—		—		—
With MAV70 Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	20.479	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	22.108	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	9		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	20.358	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	21.974	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	1		—		—		—		—		—		—		—		—		—



Sub-Account	As of December 31,
	2014		2013		2012		2011		2010		2009		2008		2007		2006		2005
Invesco V.I. Money Market Fund
Without Any Optional Benefits
Accumulation Unit Value at beginning of period	$	9.917	$	9.982	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.775	$	9.917	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	210		162		—		—		—		—		—		—		—		—
With MAV 70 Death Benefit



Accumulation Unit Value at beginning of period	$	9.905	$	9.980	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.744	$	9.905	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	2		7		—		—		—		—		—		—		—		—
With The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	9.905	$	9.980	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.744	$	9.905	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	2		7		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit
Accumulation Unit Value at beginning of period	$	9.899	$	9.979	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.729	$	9.899	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	9.896	$	9.978	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.721	$	9.896	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	49		63		—		—		—		—		—		—		—		—
With MAV70 Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	9.894	$	9.977	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.714	$	9.894	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First Preferred
Accumulation Unit Value at beginning of period	$	9.888	$	9.976	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.698	$	9.888	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	20		29		—		—		—		—		—		—		—		—
With The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	9.888	$	9.976	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.698	$	9.888	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	20		29		—		—		—		—		—		—		—		—
With MAV70 Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	9.885	$	9.976	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.690	$	9.885	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (35 BPS)
Accumulation Unit Value at beginning of period	$	9.879	$	9.974	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.675	$	9.879	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV70 Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	9.876	$	9.974	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.667	$	9.876	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	9.873	$	9.973	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.660	$	9.873	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	97		122		—		—		—		—		—		—		—		—



With MAV/EPB Death Benefit and The Hartford's Principal First (50 BPS)
Accumulation Unit Value at beginning of period	$	9.870	$	9.972	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.652	$	9.870	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		1		—		—		—		—		—		—		—		—
With MAV70 Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	9.862	$	9.971	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.629	$	9.862	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—
With MAV/EPB Death Benefit and The Hartford's Principal First (75 BPS)
Accumulation Unit Value at beginning of period	$	9.856	$	9.969	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Accumulation Unit Value at end of period	$	9.614	$	9.856	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Number of Accumulation Units outstanding at end of period (in thousands)	—		—		—		—		—		—		—		—		—		—



PRE-EFFECTIVE AMENDMENT NO.	/ /
POST-EFFECTIVE AMENDMENT NO. 14	/X/



/ /	immediately upon filing pursuant to paragraph (b) of Rule 485
/X/	on May 1, 2015 pursuant to paragraph (b) of Rule 485
/ /	60 days after filing pursuant to paragraph (a)(1) of Rule 485
/ /	on pursuant to paragraph (a)(1) of Rule 485
/ /	this post-effective amendment designates a new effective date for a
	previously filed post-effective amendment.



DIRECTOR EPIC PLUS
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
SEPARATE ACCOUNT ONE (EST. 5/20/91)
HARTFORD LIFE INSURANCE COMPANY
SEPARATE ACCOUNT TWO (EST. 6/2/86)
PO BOX 14293
LEXINGTON, KY 40512-4293

1-800-862-6668 (CONTRACT OWNERS)
1-800-862-7155 (REGISTERED REPRESENTATIVES)
www.thehartford.com/annuities



	Page
Definitions	3
Fee Tables	6
Highlights	9
General Contract Information	11
The Company	11
The Separate Account	11
The Funds	12
Performance Related Information	13
Fixed Accumulation Feature	14
The Contract	15
Purchase and Contract Value	15
Charges and Fees	22
The Hartford's Principal First and The Hartford's Principal First Preferred	25
Death Benefit	29
Surrenders	39
Annuity Payments	41
Other Programs Available	44
Other Information	45
Legal Matters	47
More Information	48
Table of Contents to Statement of Additional Information	49
Appendix Tax — Federal Tax Considerations/Information Regarding Tax-Qualified Retirement Plans	APP TAX-1
Appendix I — The Funds	APP I-1
Appendix II — Death Benefit — Examples	APP II-1
Appendix III — The Hartford's Principal First — Examples	APP III-1
Appendix IV — The Hartford's Principal First Preferred — Examples	APP IV-1
Appendix V — Accumulation Unit Values	APP V-1



Sales Charge Imposed on Purchases (as a percentage of Premium Payments)	None
Contingent Deferred Sales Charge (as a percentage of Premium Payments) (1) First Year (2)	8	%
Second Year	8	%
Third Year	8	%
Fourth Year	8	%
Fifth Year	7	%
Sixth Year	6	%
Seventh Year	5	%
Eighth Year	4	%
Ninth Year	0	%



NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY	MAY LOSE VALUE	NOT A DEPOSIT OF OR GUARANTEED BY ANY BANK OR ANY BANK AFFILIATE


(1)	Each Premium Payment has its own Contingent Deferred Sales Charge schedule. The Contingent Deferred Sales Charge is not assessed on partial Surrenders which do not exceed the Annual Withdrawal Amount. We waive the Contingent Deferred Sales Charge on certain types of Surrenders. See the Contingent Deferred Sales Charges in the Charges and Fees Section of this prospectus.



Annual Maintenance Fee (3)		$30
Separate Account Annual Expenses (as a percentage of average daily Sub-Account Value) Mortality and Expense Risk Charge	1.45		%
Total Separate Account Annual Expenses	1.45		%
Optional Charges (as a percentage of average daily Sub-Account Value) MAV 70 Death Benefit Charge (5)	0.20		%
MAV/EPB Death Benefit Charge (4)(5)	0.30		%
The Hartford’s Principal First Charge (6)(7)	0.75		%
The Hartford’s Principal First Preferred Charge (6)	0.20		%
Total Separate Account Annual Expenses with optional charges (8)	2.50		%


(3)	An annual $30 charge deducted on a Contract Anniversary or upon Surrender if the Contract Value at either of those times is less than $50,000. It is deducted proportionately from the Accounts in which you are invested at the time of the charge.


(5)	The MAV/EPB Death Benefit was not available for Contracts issued in Washington, New York or Minnesota.


(6)	This rider/option can no longer be elected or added after you purchase your Contract.


(7)	While the maximum charge for The Hartford’s Principal First is 0.75%, the current charge for this benefit is 0.50%. This charge may increase on or after the 5th anniversary of election. See “The Contract” section for additional information.



	Minimum	Maximum
Total Annual Fund Operating Expenses (expenses that are deducted from Sub-Account assets, including management fees, Premium Based Charges and/or service fees (12b-1) fees, and other expenses)	0.63%	1.13%


(1)	If you Surrender your Contract at the end of the applicable time period:


(2)	If you annuitize at the end of the applicable time period:


(4)	You may choose only one optional Death Benefit.



1 year	$1,136
3 years	$1,967
5 years	$2,718
10 years	$4,190



1 year	$295
3 years	$1,109
5 years	$1,937
10 years	$4,076



1 year	$402
3 years	$1,217
5 years	$2,047
10 years	$4,190



Number of years from Premium Payment	Contingent Deferred Sales Charge
1	8 %
2	8 %
3	8 %
4	8 %
5	7 %
6	6 %
7	5 %
8	4 %
9 or more	0 %



ü	The Annual Withdrawal Amount

ü	Premium Payments or earnings that have been in your Contract for more than eight years

ü	Payment Enhancements or earnings

ü	Distributions made due to death

ü	Distributions under a program for substantially equal periodic payments made for your life or life expectancy

ü	Most payments we make to you as part of your Annuity Payouts


•	Mortality and Expense Risk Charge — This charge is deducted daily and is equal to an annual charge of 1.45% of your Contract Value invested in the Sub-Accounts.


•	Annual Fund Operating Expenses — These charges are for the underlying Funds. See the Funds’ prospectus for more complete information.



Ø	You may have to pay income tax on the money you take out and, if you Surrender before you are age 59½, you may have to pay a federal income tax penalty.

Ø	You may have to pay a Contingent Deferred Sales Charge on the money you Surrender.


•	a combination of fixed dollar amount and variable dollar amount Automatic Annuity Payouts.


•	hold assets for your benefit and the benefit of other Contract Owners, and the persons entitled to the payouts described in the Contract;


•	are not subject to the liabilities arising out of any other business we may conduct;


•	are not affected by the rate of return of our General Account or by the investment performance of any of our other Separate Accounts;


•	may be subject to liabilities of other variable annuity contracts offered by this Separate Account which are not described in this prospectus; and


•	are credited with income and gains, and takes losses, whether or not realized, from the assets they hold without regard to our other income, gains or loss.


•	notify you of any Fund shareholders’ meeting if the shares held for your Contract may be voted;


•	send proxy materials and a form of instructions that you can use to tell us how to vote the Fund shares held for your Contract;


•	arrange for the handling and tallying of proxies received from Owners;


•	vote all Fund shares attributable to your Contract according to instructions received from you, and


•	vote all Fund shares for which no voting instructions are received in the same proportion as shares for which instructions have been received.


•	Any trustee or custodian for a retirement plan qualified under Sections 401(a) or 403(a) of the Code;


•	Annuity purchase plans adopted by public school systems and certain tax-exempt organizations according to Section 403(b) of the Code;


•	Individual Retirement Annuities adopted according to Section 408 of the Code;


•	Employee pension plans established for employees by a state, a political subdivision of a state, or an agency of either a state or a political subdivision of a state, and