7-27-2017 The Director 2008 HL 333-136543 Combined Document

0001628280-17-007414.txt : 20170728 0001628280-17-007414.hdr.sgml : 20170728 20170728121719 ACCESSION NUMBER: 0001628280-17-007414 CONFORMED SUBMISSION TYPE: 485BPOS PUBLIC DOCUMENT COUNT: 4 FILED AS OF DATE: 20170728 DATE AS OF CHANGE: 20170728 EFFECTIVENESS DATE: 20170728 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HARTFORD LIFE INSURANCE CO SEPARATE ACCOUNT THREE CENTRAL INDEX KEY: 0000925999 IRS NUMBER: 000000000 STATE OF INCORPORATION: CT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 485BPOS SEC ACT: 1933 Act SEC FILE NUMBER: 333-136543 FILM NUMBER: 17988830 BUSINESS ADDRESS: STREET 1: ONE HARTFORD PLAZA CITY: HARTFORD STATE: CT ZIP: 06155 BUSINESS PHONE: 860-547-4416 MAIL ADDRESS: STREET 1: ONE HARTFORD PLAZA CITY: HARTFORD STATE: CT ZIP: 06155 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HARTFORD LIFE INSURANCE CO SEPARATE ACCOUNT THREE CENTRAL INDEX KEY: 0000925999 IRS NUMBER: 000000000 STATE OF INCORPORATION: CT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 485BPOS SEC ACT: 1940 Act SEC FILE NUMBER: 811-08584 FILM NUMBER: 17988831 BUSINESS ADDRESS: STREET 1: ONE HARTFORD PLAZA CITY: HARTFORD STATE: CT ZIP: 06155 BUSINESS PHONE: 860-547-4416 MAIL ADDRESS: STREET 1: ONE HARTFORD PLAZA CITY: HARTFORD STATE: CT ZIP: 06155

0000925999 S000002234 HARTFORD LIFE INSURANCE CO SEPARATE ACCOUNT THREE

C000037958 The Director (fka Director M Horizon)

485BPOS 1 director2008hlcombo.htm 485BPOS 7-27-2017 The Director 2008 HL 333-136543 Combined Document

As filed with the Securities and Exchange Commission on July 28, 2017

File No. 333-136543

811-08584

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SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

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FORM N-4

REGISTRATION STATEMENT UNDER

THE SECURITIES ACT OF 1933

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PRE-EFFECTIVE AMENDMENT NO.		/ /
POST-EFFECTIVE AMENDMENT NO.	20	/X/

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940



AMENDMENT NO.	315	/X/

HARTFORD LIFE INSURANCE COMPANY

SEPARATE ACCOUNT THREE

(Exact Name of Registrant)

HARTFORD LIFE INSURANCE COMPANY

(Name of Depositor)

P.O. BOX 2999

HARTFORD, CT 06104-2999

(Address of Depositor's Principal Offices)

(860) 547-4390

(Depositor's Telephone Number, Including Area Code)

LISA PROCH

HARTFORD LIFE INSURANCE COMPANY

P.O. BOX 2999

HARTFORD, CT 06104-2999

(Name and Address of Agent for Service)

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APPROXIMATE DATE OF PROPOSED PUBLIC OFFERING:

AS SOON AS PRACTICABLE AFTER THE EFFECTIVE DATE OF THE REGISTRATION STATEMENT.

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It is proposed that this filing will become effective:



/ /	immediately upon filing pursuant to paragraph (b) of Rule 485
/X/	on July 28, 2017 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

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The Prospectus and Statement of Additional Information (including financial statements) are incorporated in Part A of this Post-Effective Amendment No. 20 by reference to Post-Effective Amendment No. 19 to the Registration Statement on Form N-4 (File No. 333-136543), as filed on April 20, 2017.

A Supplement to the Prospectus, dated July 28, 2017, is included in Part A of this Post-Effective Amendment, and a Supplement to the Statement of Additional Information, dated July 28, 2017 is included in Part B of this Post-Effective Amendment.

This Post-Effective Amendment No. 20 does not supersede Post-Effective Amendment No. 19 filed on April 20, 2017.

PART A

Supplement Dated July 28, 2017 to your Prospectus Dated May 1, 2017

One or more funds of HIMCO Variable Insurance Trust (the “Trust”) are offered as investment options under your variable insurance contract (each an “Existing Fund”). In June 2017 the Board of Trustees of the Trust (the “Board”) approved (i) a Plan of Liquidation for each Existing Fund listed below (collectively, the “Existing Funds”) and (ii) submission of an Agreement and Plan of Substitution for each Existing Fund by Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company (collectively, the “Insurance Companies”), who sponsor variable life insurance policies and variable annuity contracts (collectively, the “Contracts”) for which the Existing Funds serve as investment vehicles, to the owners of such Contracts (the “Contract Owners”). Pursuant to the Plan of Liquidation, an Existing Fund will be liquidated if the Plan of Substitution, which was designed by the Insurance Companies, is voted on and approved by Contract Owners (and the owners of other variable annuity and variable life insurance contracts that offer the Existing Funds) with Contract Value allocated to the Existing Funds as of the close of business on June 20, 2017.

Agreement and Plan of Substitution. If Contract Owners approve the Agreement and Plan of Substitution for an Existing Fund, the Existing Fund will be liquidated on or about the close of business on November 10, 2017 (the “Liquidation Date”), pursuant to the Plan of Liquidation approved by the Board on behalf of the Existing Fund. Each Existing Fund currently invests in Class IB shares of a corresponding fund of the American Funds Insurance Series. The Agreement and Plan of Substitution provides that on or about November 10, 2017, the Insurance Companies will redeem shares of the Existing Funds and will then purchase shares of the corresponding Replacement Fund listed below with the proceeds from the redemption (each such transaction, a “Substitution”) and Contract Value allocated to an Existing Fund on the Liquidation Date will be automatically transferred to the applicable Replacement Fund. Each Substitution will take place at relative net asset value with no change in the dollar amount of any Contract Owner’s beneficial investment in the Existing Fund.

The Replacement Funds are the same funds (but different share class) as those in which the Existing Funds currently invest. Each Substitution is not expected to increase a Contract Owner’s fees or charges paid under the Contracts. In addition, the net portfolio expense ratio of each Existing Fund is expected to be lower than that of the corresponding Replacement Fund immediately following the Substitution. If the Agreement and Plan of Substitution is approved, each Contract Owner’s beneficial interest in shares of each Existing Fund would be replaced with shares of the corresponding Replacement Fund as indicated below:



Feeder Fund:	Master Fund:
HIMCO VIT American Funds Bond Fund - Class IB	American Funds Bond Fund - Class 4
HIMCO VIT American Funds Global Growth Fund - Class IB	American Funds Global Growth Fund - Class 4
HIMCO VIT American Funds Global Small Capitalization Fund - Class IB	American Funds Global Small Capitalization Fund - Class 4
HIMCO VIT American Funds Growth Fund - Class IB	American Funds Growth Fund - Class 4
HIMCO VIT American Funds Growth-Income Fund - Class IB	American Funds Growth-Income Fund - Class 4
HIMCO VIT American Funds International Fund - Class IB	American Funds International Fund - Class 4

Closing of Existing Funds. Due to the liquidation of the Existing Funds, you will no longer be able to allocate new Premium Payments or make transfers to the Existing Fund, including program trades effective as of the close of business on or about November 9, 2017 (the "Closing Date").

Transfer Rights.

Transfers Prior to the Liquidation Date: At any time prior to the Liquidation Date, Contract Owners may transfer Contract Value in an Existing Fund to any of the other available investment option offered under your Contract, subject to the terms of the relevant Contract prospectuses and Contracts, and no transfer fees or other charges will be imposed.

Transfers After the Liquidation Date: Following the liquidation of the Existing Funds and each Substitution, Contract Owners who had any Contract Value automatically transferred from investing in an Existing Fund to the corresponding Replacement Fund may transfer such interests among any of the investment options available under their respective Contracts in accordance with the terms of the Contracts, also free of any transfer fees or other charges. Any such transfer will not be counted as one of the free transfers permitted per calendar year under the Contracts, provided that the transfer occurs prior to, or within 90 days after, the date of the Substitution.

For transfers prior to and after the Liquidation Date, the following provisions apply:

•

If you have elected an optional living and/or death benefit rider in your Contract, any transfers may be subject to investment restrictions. Please see your Contract prospectus and your Contract for more information about the investment options available for your optional living and/or death benefit rider, if applicable. In addition, Contract Owners’ transfer rights are subject to any market timing/short-term trading provisions described in their respective Contract prospectuses or their Contracts.

•

If you are in compliance with the investment restrictions on the day of the Substitutions you will continue to be in compliance with the investment restrictions immediately after the Substitutions since each Existing Fund that is an eligible investment option under a rider will be replaced by a Replacement Fund that is also an eligible investment option under the rider. You will not lose your rider as a result of the Substitutions, and you may continue to transfer Contract Value in accordance with the applicable investment restrictions (both before and after the Substitutions).


•	As a condition to maintaining the benefits ordered by the rider, you are currently required to allocate your Contract Value in accordance with the rider’s investment restrictions, which are described in the prospectus. This means that you must limit your Contract Value investments to the eligible investment options under the rider to maintain all the rider’s benefits.

Effective at the close of business on or about the Closing Date:

•

DCA, Asset Rebalancing and/or InvestEase® Programs: If you are enrolled in a DCA, Asset Rebalancing and/or InvestEase® Program that includes an Existing Fund you may provide us alternative instructions prior to the Closing Date. If you do not provide us alternative instructions prior to the Closing Date, we will automatically update your DCA, Asset Rebalancing and/or InvestEase® Program to replace the Existing Fund with the corresponding Replacement Fund;

•

Automatic Income Program: If you are enrolled in an Automatic Income Program that includes the Existing Fund, your income payments will continue to come out of the Existing Fund until the Existing Fund liquidates on the Liquidation Date. Upon the Existing Fund's liquidation, all Contract Value in the Existing Fund will be automatically transferred to the corresponding Replacement Fund and your Automatic Income Program will be automatically updated to replace the Existing Fund with the corresponding Replacement Fund, unless you provide us alternative instructions prior to the Liquidation Date;

•

Allocation Models (Pre-defined or custom (“self-select”)): If you are invested in an Allocation Model that includes the Existing Fund, the model will be automatically updated on the Closing Date to replace the Existing Fund with the corresponding Replacement Fund. If you are in a “self-select” model and would like to change your selections or you would like to invest in a different model you may provide us new instructions at any time.

Upon completion of the liquidation of an Existing Fund, all references to the Existing Fund in the prospectus are deleted and replaced with the applicable Replacement Fund.

Additional Investment Options available under your Contract. Effective November 13, 2017, the following additional investment options are available under your contract.

In Appendix C, the following information is added alphabetically to your annual fund operating expense table under the new heading "American Funds":



Funding Option	Investment Objective Summary	Investment Adviser/Sub-Adviser
American Funds
American Funds Bond Fund - Class 4	To provide as high a level of current income as is consistent with the preservation of capital	Capital Research & Management Company
American Funds Global Growth Fund - Class 4	To provide long-term growth of capital	Capital Research & Management Company
American Funds Global Small Capitalization Fund - Class 4	To provide long-term growth of capital	Capital Research & Management Company
American Funds Growth Fund - Class 4	To provide growth of capital	Capital Research & Management Company
American Funds Growth-Income Fund - Class 4	To achieve long-term growth of capital and income	Capital Research & Management Company



American Funds International Fund - Class 4	To provide long-term growth of capital	Capital Research & Management Company

The following information is added as the last sentence of the introduction to the Accumulation Unit Values table:

There is no information for American Funds Bond Fund, American Funds Global Growth Fund, American Funds Global Small Capitalization Fund, American Funds Growth Fund, American Funds Growth-Income Fund, or American Funds International Fund Sub-Accounts because as of December 31, 2016, the Sub-Accounts had not yet commenced operations.

This Supplement Should Be Retained With Your Prospectus For Future Reference.

HV-7696

PART B

Supplement Dated July 28, 2017 to your Statement of Additional Information Dated May 1, 2017

The following information is added as the last sentence of the introduction to the Accumulation Unit Values table:

This Supplement Should Be Retained With Your Prospectus For Future Reference.

HV-7699

PART C

OTHER INFORMATION

ITEM 24. FINANCIAL STATEMENTS AND EXHIBITS



(a)		All financial statements are incorporated by reference in Part A of the Registration Statement
(b)	(1)	Resolution of the Board of Directors of Hartford Life and Annuity Insurance Company ("Hartford") authorizing the establishment of the Separate Account. (1)
	(2)	Not applicable.
	(3)	(a) Amended and Restated Principal Underwriter Agreement. (2)
	(3)	(b) Form of Dealer Agreement. (3)
	(4)	(a) Form of Individual Flexible Premium Variable Annuity Contract. (4)
	(4)	(b) MAV / MAV Plus (6)
	(4)	(c) Lifetime Income Foundation Rider (Single) (6)
	(4)	(d) Lifetime Income Foundation Rider (Joint Life / Spousal) (6)
	(4)	(e) Lifetime Income Builder II Rider (Single) (6)
	(4)	(f) Lifetime Income Builder II Rider (Joint Life / Spousal) (6)
	(4)	(g) The Hartford's Lifetime Income Builder Selects Rider (Single) (6)
	(4)	(h) The Hartford's Lifetime Income Builder Selects Rider (Joint Life / Spousal) (6)
	(4)	(i) The Hartford's Lifetime Income Builder Portfolios Rider (Single) (6)
	(4)	(j) The Hartford's Lifetime Income Builder Portfolios Rider (Joint Life / Spousal) (6)
	(4)	(k) Amendatory Rider - Annuity Commencement Date Deferral Option
	(5)	Form of Application. (4)
	(6)	(a) Certificates of Incorporation of Hartford. (2)
	(6)	(b) Amended and Restated By-Laws of Hartford. (7)
	(7)	Form of Reinsurance Agreement. (2)
	(8)	Fund Participation Agreements and Amendments
		(a) AIM Variable Insurance Funds (6)
		(b) AllianceBernstein Variable Products Series Fund, Inc. (6)
		(c) Fidelity Variable Insurance Products Funds (6)
		(d) Franklin Templeton Variable Insurance Products Trust (6)
		(e) Hartford HLS Series Fund II, Inc. (6)
		Hartford Series Fund, Inc. (6)
		(f) Lord Abbett Series Fund, Inc. (6)
		(g) MFS Variable Insurance Trust (6)
		(h) Oppenheimer Variable Account Funds (6)
		(i) Putnam Variable Trust (6)
		(j) Guarantee Agreement, between Hartford Fire Insurance Company and Hartford Life and Accident Insurance Company and its wholly owned subsidiary, Hartford Life Insurance Company, dated as of January 1, 1990. (5)
		(k) Guarantee between Hartford Life Insurance Company and ITT Hartford International Life Reassurance Corporation, dated August 29, 1994 and effective as of May 1, 1993. (5)
		(l) Guarantee Agreement, between Hartford Life Insurance Company and ITT Comprehensive Employee Benefit Service Company, its wholly owned subsidiary, dated as of April 1, 1997. (5)
		(m) Guarantee Agreement, between Hartford Life Insurance Company and ITT Hartford Life and Annuity Insurance Company, dated as of May 23, 1997. (5)
		(n) Capital Maintenance Agreement by and between Hartford Life Insurance Company and Hartford Life, Inc., dated March 12, 2001 (5)
	(9)	Opinion and Consent of Lisa Proch, Assistant General Counsel.
	(10)	Consent of Deloitte & Touche LLP.
	(11)	No financial statements are omitted
	(12)	Not applicable.
	(99)	Copy of Power of Attorney.

(1) Incorporated by reference to Post-Effective Amendment No. 2, to the Registration Statement File No. 033-80738, filed on April 26, 1995.

(2) Incorporated by reference to Post-Effective Amendment No. 3, to the Registration Statement File No. 333-148564, filed on February 9, 2009.

(3) Incorporated by reference to Post-Effective Amendment No. 2, to the Registration Statement File No. 033-73570, filed on May 1, 1996.

(4) Incorporated by reference to Pre-Effective Amendment No. 1, to the Registration Statement File No. 333-101923, filed on April 7, 2003.

(5) Incorporated by reference to Post-Effective Amendment No. 10, to the Registration Statement File No. 333-148564, filed on May 3, 2010.

(6) Incorporated by reference to Post-Effective Amendment No. 12, to the Registration Statement File No. 333-136543, filed on April 23, 2012.

(7) Incorporated by reference to Post-Effective Amendment No. 8 to the Registration Statement File No. 333-176150, filed on April 25, 2014.

ITEM 25 DIRECTORS AND OFFICERS OF THE DEPOSITOR



NAME	POSITION
Thomas E. Bartell	Vice President
Ellen T. Below	Vice President
John B. Brady	Actuary, Vice President
Kathleen M. Bromage	Senior Vice President
Michael R. Chesman	Senior Vice President, Director of Taxes
Robert A. Cornell	Actuary, Vice President
Christopher S. Conner	Chief Compliance Officer of Separate Accounts
Michael R. Hazel	Vice President, Controller
Donna R. Jarvis	Actuary, Vice President
Brion S. Johnson	President, Chairman of the Board, Director*
Aidan Kidney	Senior Vice President
Diane Krajewski	Vice President
David R. Kryzanski	Vice President
Lisa S. Levin	Corporate Secretary
Craig D. Morrow	Appointed Actuary, Vice President
Matthew J. Poznar	Senior Vice President, Director*
Robert W. Paiano	Treasurer, Executive Vice President, Director*
Lisa M. Proch	Vice President and Chief Compliance Officer of Talcott Resolution
David G. Robinson	Executive Vice President, General Counsel
Peter F. Sannizzaro	Senior Vice President, Chief Accounting Officer, Chief Financial Officer
Robert R. Siracusa	Vice President

Unless otherwise indicated, the principal business address of each of the above individuals is One Hartford Plaza, Hartford, CT 06155.

* Denotes Board of Directors.

ITEM 26. PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR REGISTRANT.

Incorporated by reference to Post-Effective Amendment No. 12 to the Registration Statement File No. 333-176150, filed on July 28, 2017.

ITEM 27. NUMBER OF CONTRACT OWNERS

As of May 31, 2017, there were 1,447 Contract Owners.

ITEM 28. INDEMNIFICATION

Section 33-776 of the Connecticut General Statutes states that: "a corporation may provide indemnification of, or advance expenses to, a director, officer, employee or agent only as permitted by sections 33-770 to 33-779, inclusive."

Provision is made that the Corporation, to the fullest extent permissible by applicable law as then in effect, shall indemnify any individual who is a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative, arbitrative or investigative, and whether formal or informal (each, a "Proceeding") because such individual is or was (i) a Director, or (ii) an officer or employee of the Corporation (for purposes of the by laws, each an "Officer"), against obligations to pay judgments, settlements, penalties, fines or reasonable expenses (including counsel fees) incurred in a Proceeding if such Director or Officer: (l)(A) conducted him or herself in good faith; (B) reasonably believed (i) in the case of conduct in such person's official capacity, which shall include service at the request of the Corporation as a director, officer or fiduciary of a Covered Entity (as defined below), that his or her conduct was in the best interests of the Corporation; and (ii) in all other cases, that his or her conduct was at least not opposed to the best interests of the Corporation; and (C) in the case of any criminal proceeding, such person had no reasonable cause to believe his or her conduct was unlawful; or (2) engaged in conduct for which broader indemnification has been made permissible or obligatory under a provision of the Corporation's Certificate, in each case, as determined in accordance with the procedures set forth in the by laws. For purposes of the by laws, a "Covered Entity" shall mean another corporation, partnership, joint venture, trust or other enterprise (including, without limitation, any employee benefit plan) in respect of which such person is serving at the request of the Corporation as a director, officer or fiduciary.

Insofar as indemnification for liability arising under the Securities Act of 1933 (the "Act") may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

ITEM 29. PRINCIPAL UNDERWRITERS

(a) HSD acts as principal underwriter for the following investment companies:

Hartford Life Insurance Company - DC Variable Account I

Hartford Life Insurance Company - Separate Account One

Hartford Life Insurance Company - Separate Account Two

Hartford Life Insurance Company - Separate Account Two (DC Variable Account II)

Hartford Life Insurance Company - Separate Account Two (QP Variable Account)

Hartford Life Insurance Company - Separate Account Two (Variable Account "A")

Hartford Life Insurance Company - Separate Account Two (NQ Variable Account)

Hartford Life Insurance Company - Separate Account Ten

Hartford Life Insurance Company - Separate Account Three

Hartford Life Insurance Company - Separate Account Five

Hartford Life Insurance Company - Separate Account Seven

Hartford Life Insurance Company - Separate Account Eleven

Hartford Life Insurance Company - Separate Account Twelve

Hartford Life and Annuity Insurance Company - Separate Account One

Hartford Life and Annuity Insurance Company - Separate Account Ten

Hartford Life and Annuity Insurance Company - Separate Account Three

Hartford Life and Annuity Insurance Company - Separate Account Five

Hartford Life and Annuity Insurance Company - Separate Account Six

Hartford Life and Annuity Insurance Company - Separate Account Seven

Union Security Insurance Company - Variable Account C

Union Security Insurance Company - Variable Account D

Union Security Life Insurance Company - Separate Account A

Hartford Life and Annuity Insurance Company - Separate Account VLI

Hartford Life and Annuity Insurance Company - Separate Account VLII

American Maturity Life Insurance Company Separate Account AMLVA

ICMG Registered Variable Life Separate Account A

ICMG Registered Variable Life Separate Account One

(b) Directors and Officers of HSD



Name	Positions and Offices with Underwriter
Diana Benken	Chief Financial Officer, Controller/FINOP
Christopher S. Conner	AML Compliance Officer, Chief Compliance Officer, Privacy Officer, Secretary
Christopher J. Dagnault (1)	President, Chief Executive Officer, Director
Aidan Kidney	Chairman of the Board, Senior Vice President, Director
Kathleen E. Jorens	Vice President, Assistant Treasurer
Robert W. Paiano	Senior Vice President, Treasurer
Michael Chesman	Senior Vice President, Director of Taxes
Andrew Diaz-Matos	Vice President
Donald C. Hunt	Vice President
Mark M. Sosha	Vice President
Diane Krajewski	Director

Unless otherwise indicated, the principal business address of each of the above individuals is One Hartford Plaza, Hartford, CT 06155.

(1) Address: 500 Bielenberg Drive. Woodbury, MN 55125

ITEM 30. LOCATION OF ACCOUNTS AND RECORDS

All of the accounts, books, records or other documents required to be kept by Section 31(a) of the Investment Company Act of 1940 and rules thereunder are maintained by Hartford at One Hartford Plaza, Hartford, CT 06155.

ITEM 31. MANAGEMENT SERVICES

All management contracts are discussed in Part A and Part B of this Registration Statement.

ITEM 32. UNDERTAKINGS


(a)	The Registrant hereby undertakes to file a post-effective amendment to this Registration Statement as frequently as is necessary to ensure that the audited financial statements in the Registration Statement are never more than 16 months old so long as payments under the variable annuity Contracts may be accepted.


(b)	The Registrant hereby undertakes to include either (1) as part of any application to purchase a Contract offered by the Prospectus, a space that an applicant can check to request a Statement of Additional Information, or (2) a post card or similar written communication affixed to or included in the Prospectus that the applicant can remove to send for a Statement of Additional Information.


(c)	The Registrant hereby undertakes to deliver any Statement of Additional Information and any financial statements required to be made available under this Form promptly upon written or oral request.


(d)	Hartford hereby represents that the aggregate fees and charges under the Contract are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Hartford.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all the requirements for effectiveness of this Registration Statement pursuant to Rule 485(b) under the Securities Act of 1933 and has duly caused this Registration Statement to be signed on its behalf, in the City of Hartford, and State of Connecticut on July 28, 2017.

HARTFORD LIFE INSURANCE COMPANY

SEPARATE ACCOUNT THREE (Registrant)



By:	Brion S. Johnson*	*By:	/s/ Lisa Proch
	Brion S. Johnson		Lisa Proch
	President, Chief Executive Officer,		Attorney-in-Fact
	Chairman of the Board

HARTFORD LIFE INSURANCE COMPANY

(Depositor)



By:	Brion S. Johnson*
	Brion S. Johnson
	President, Chief Executive Officer,
	Chairman of the Board

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons and in the capacities and on the dates indicated.



Brion S. Johnson, President, Chief Executive Officer,
Chairman of the Board, Director*
Matthew J. Poznar, Senior Vice President, Director*	*By:	/s/ Lisa Proch
Robert W. Paiano, Senior Vice President, Treasurer, Director*		Lisa Proch
Peter F. Sannizzaro, Senior Vice President, Chief Accounting Officer,		Attorney-in-Fact
Chief Financial Officer	Date:	July 28, 2017



	EXHIBIT INDEX
(4)	Amendatory Rider - Annuity Commencement Date Deferral Option
(9)	Opinion and Consent of Lisa Proch, Assistant General Counsel
(10)	Consent of Deloitte & Touche LLP
(99)	Power of Attorney

EX-99.9 2 dir2008hlicex999.htm EXHIBIT 99.9 Exhibit

LOGO

THE HARTFORD

Lisa Proch

Assistant General Counsel

Talcott Resolution Law Group

The Hartford

One Hartford Plaza (NP4-TR1)

Hartford, CT 06155

Tel. 1-860-547-4390

lisa.proch@thehartford.com

July 28, 2017

Board of Directors

Hartford Life and Annuity Insurance Company

One Hartford Plaza

Hartford, CT 06155

RE: SEPARATE ACCOUNT THREE (THE "ACCOUNT")

HARTFORD LIFE INSURANCE COMPANY (THE "COMPANY")

File No. 333-136543

POST-EFFECTIVE AMENDMENT NO. 20

Dear Sir/Madam:

I have acted as Counsel to the Company, a Connecticut insurance company, and the Account in connection with the registration of an indefinite amount of securities in the form of variable annuity contracts (the "Contracts") with the Securities and Exchange Commission under the Securities Act of 1933, as amended.

I have examined such documents (including the Form N-4 registration statement) and reviewed such questions of law as I considered necessary and appropriate, and on the basis of such examination and review, it is my opinion that:


1.	The Company is a corporation duly organized and validly existing as a stock life insurance company under the laws of the State of Connecticut and is duly authorized by the Insurance Department of the State of Connecticut to issue the Contracts.


2.	The Account is a duly authorized and existing separate account established pursuant to the provisions of Section 38a-433 of the Connecticut Statutes.


3.	To the extent so provided under the contracts, that portion of the assets of the Account equal to the reserves and other contract liabilities with respect to the Account will not be chargeable with liabilities arising out of any other business that the Company may conduct.


4.	The Contracts, when issued as contemplated by the Form N-4 Registration Statement, will constitute legal, validly issued and binding obligations of the Company.

I hereby consent to the filing of this opinion as an exhibit to the Form N-4 registration statement for the Contacts and the Account.

Very truly yours,

/s/ Lisa Proch

Lisa Proch

Assistant General Counsel

EX-99.10 3 dir2008hlicex9910.htm EXHIBIT 99.10 Exhibit

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in this Post-Effective Amendment No. 20 to Registration Statement No. 333-136543 of Hartford Life Insurance Company Separate Account Three on Form N-4, of our report dated February 24, 2017, relating to the consolidated financial statements of Hartford Life Insurance Company as of December 31, 2016 and 2015 and for each of the three years in the period ended December 31, 2016, and of our report dated April 20, 2017, relating to the statements of assets and liabilities of each of the individual sub-accounts which comprise Hartford Life Insurance Company Separate Account Three as of December 31, 2016, and the related statements of operations for the periods then ended, the statements of changes in net assets for each of the periods presented in the two years then ended, and the financial highlights in Note 6 for each of the periods presented in the five years then ended, both appearing in the Statement of Additional Information, which is incorporated by reference in this Registration Statement, and to the reference to us under the heading "Experts" in such Statement of Additional Information.

/s/ DELOITTE & TOUCHE LLP

Hartford, Connecticut

July 28, 2017

EX-99.99 4 hlicilaex9999.htm EXHIBIT 99.99 Document

HARTFORD LIFE INSURANCE COMPANY

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

POWER OF ATTORNEY

- - - - - - - - - -

MATTHEW J. POZNAR

does hereby authorize Lisa Proch and/or James Bronsdon, individually, to sign as his agent any and all pre-effective amendments and post-effective amendments filed on Form N-4 for the file numbers listed in Appendix A attached hereto with respect to Hartford Life Insurance Company and/or Hartford Life and Annuity Insurance Company, and does hereby ratify such signature heretofore made by such persons.

IN WITNESS THEREOF, the undersigned has executed this Power of Attorney for the purpose herein set forth.




By: /s/ Matthew J. Poznar	Dated as of: May 27, 2015
Matthew J. Poznar

APPENDIX A

Hartford Life Insurance Company

Hartford Life and Annuity Insurance Company

Power of Attorney Dated as of May 27, 2015

File Numbers:



033-06952	333-91931	333-119414
033-17207	333-91933	333-119415
033-19945	333-95781	333-119416
033-56790	333-95785	333-119417
033-60702	333-101923	333-119418
033-73566	333-101924	333-119419
033-73568	333-101925	333-119420
033-73570	333-101926	333-119421
033-73572	333-101927	333-119422
033-80732	333-101928	333-119423
033-80738	333-101929	333-136543
033-86330	333-101930	333-136545
333-19605	333-101931	333-136548
333-19607	333-101932	333-148553
333-34998	333-101933	333-148555
333-35000	333-101934	333-148561
333-39604	333-101935	333-148564
333-39608	333-101936	333-148565
333-39612	333-101937	333-148566
333-39620	333-101938	333-148570
333-40410	333-101939	333-159547
333-40414	333-101940	333-168986
333-41213	333-101941	333-168987
333-45301	333-101942	333-168989
333-45303	333-101943	333-168990
333-50467	333-101944	333-174679
333-50465	333-101945	333-176149
333-52707	333-101946	333-176150
333-52711	333-101947	333-176152
333-66343	333-101948
333-66345	333-101949
333-66935	333-101950
333-66939	333-101951
333-68463	333-101952
333-69429	333-101953
333-69439	333-101954
333-69475	333-101955
333-69485	333-102625
333-69487	333-102628
333-69489	333-104356
333-69491	333-104357
333-69493	333-105252
333-70153	333-105254
333-76419	333-105255
333-76423	333-105256
333-76425	333-105259
333-91921	333-105266
333-91925	333-105267
333-91927	333-105270
333-91929	333-105272

HARTFORD LIFE INSURANCE COMPANY

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

POWER OF ATTORNEY

- - - - - - - - - -

BRIAN S. JOHNSON

IN WITNESS THEREOF, the undersigned has executed this Power of Attorney for the purpose herein set forth.




By: /s/ Brion S. Johnson	Dated as of: October 20, 2014
Brion S. Johnson

APPENDIX A

Hartford Life Insurance Company

Hartford Life and Annuity Insurance Company

Power of Attorney Dated as of October 20, 2014

File Numbers:



033-06952	333-91931	333-119414
033-17207	333-91933	333-119415
033-19945	333-95781	333-119416
033-56790	333-95785	333-119417
033-60702	333-101923	333-119418
033-73566	333-101924	333-119419
033-73568	333-101925	333-119420
033-73570	333-101926	333-119421
033-73572	333-101927	333-119422
033-80732	333-101928	333-119423
033-80738	333-101929	333-136543
033-86330	333-101930	333-136545
333-19605	333-101931	333-136548
333-19607	333-101932	333-148553
333-34998	333-101933	333-148555
333-35000	333-101934	333-148561
333-39604	333-101935	333-148564
333-39608	333-101936	333-148565
333-39612	333-101937	333-148566
333-39620	333-101938	333-148570
333-40410	333-101939	333-159547
333-40414	333-101940	333-168986
333-41213	333-101941	333-168987
333-45301	333-101942	333-168989
333-45303	333-101943	333-168990
333-50467	333-101944	333-174679
333-50465	333-101945	333-176149
333-52707	333-101946	333-176150
333-52711	333-101947	333-176152
333-66343	333-101948
333-66345	333-101949
333-66935	333-101950
333-66939	333-101951
333-68463	333-101952
333-69429	333-101953
333-69439	333-101954
333-69475	333-101955
333-69485	333-102625
333-69487	333-102628
333-69489	333-104356
333-69491	333-104357
333-69493	333-105252
333-70153	333-105254
333-76419	333-105255
333-76423	333-105256
333-76425	333-105259
333-91921	333-105266
333-91925	333-105267
333-91927	333-105270
333-91929	333-105272

HARTFORD LIFE INSURANCE COMPANY

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

POWER OF ATTORNEY

- - - - - - - - - -

PETER F. SANNIZZARO

IN WITNESS THEREOF, the undersigned has executed this Power of Attorney for the purpose herein set forth.




By: /s/ Peter F. Sannizzaro	Dated as of: February 17, 2014
Peter F. Sannizzaro

APPENDIX A

Hartford Life Insurance Company

Hartford Life and Annuity Insurance Company

Power of Attorney Dated as of February 17, 2014

File Numbers:



033-06952	333-91931	333-119414
033-17207	333-91933	333-119415
033-19945	333-95781	333-119416
033-56790	333-95785	333-119417
033-60702	333-101923	333-119418
033-73566	333-101924	333-119419
033-73568	333-101925	333-119420
033-73570	333-101926	333-119421
033-73572	333-101927	333-119422
033-80732	333-101928	333-119423
033-80738	333-101929	333-136543
033-86330	333-101930	333-136545
333-19605	333-101931	333-136548
333-19607	333-101932	333-148553
333-34998	333-101933	333-148555
333-35000	333-101934	333-148561
333-39604	333-101935	333-148564
333-39608	333-101936	333-148565
333-39612	333-101937	333-148566
333-39620	333-101938	333-148570
333-40410	333-101939	333-159547
333-40414	333-101940	333-168986
333-41213	333-101941	333-168987
333-45301	333-101942	333-168989
333-45303	333-101943	333-168990
333-50467	333-101944	333-174679
333-50465	333-101945	333-176149
333-52707	333-101946	333-176150
333-52711	333-101947	333-176152
333-66343	333-101948
333-66345	333-101949
333-66935	333-101950
333-66939	333-101951
333-68463	333-101952
333-69429	333-101953
333-69439	333-101954
333-69475	333-101955
333-69485	333-102625
333-69487	333-102628
333-69489	333-104356
333-69491	333-104357
333-69493	333-105252
333-70153	333-105254
333-76419	333-105255
333-76423	333-105256
333-76425	333-105259
333-91921	333-105266
333-91925	333-105267
333-91927	333-105270
333-91929	333-105272

HARTFORD LIFE INSURANCE COMPANY

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

POWER OF ATTORNEY

- - - - - - - - - -

ROBERT W. PAIANO

IN WITNESS THEREOF, the undersigned has executed this Power of Attorney for the purpose herein set forth.




By: /s/ Robert W. Paiano	Dated as of: February 17, 2014
Robert W. Paiano

APPENDIX A

Hartford Life Insurance Company

Hartford Life and Annuity Insurance Company

Power of Attorney Dated as of February 17, 2014

File Numbers:



033-06952	333-91931	333-119414
033-17207	333-91933	333-119415
033-19945	333-95781	333-119416
033-56790	333-95785	333-119417
033-60702	333-101923	333-119418
033-73566	333-101924	333-119419
033-73568	333-101925	333-119420
033-73570	333-101926	333-119421
033-73572	333-101927	333-119422
033-80732	333-101928	333-119423
033-80738	333-101929	333-136543
033-86330	333-101930	333-136545
333-19605	333-101931	333-136548
333-19607	333-101932	333-148553
333-34998	333-101933	333-148555
333-35000	333-101934	333-148561
333-39604	333-101935	333-148564
333-39608	333-101936	333-148565
333-39612	333-101937	333-148566
333-39620	333-101938	333-148570
333-40410	333-101939	333-159547
333-40414	333-101940	333-168986
333-41213	333-101941	333-168987
333-45301	333-101942	333-168989
333-45303	333-101943	333-168990
333-50467	333-101944	333-174679
333-50465	333-101945	333-176149
333-52707	333-101946	333-176150
333-52711	333-101947	333-176152
333-66343	333-101948
333-66345	333-101949
333-66935	333-101950
333-66939	333-101951
333-68463	333-101952
333-69429	333-101953
333-69439	333-101954
333-69475	333-101955
333-69485	333-102625
333-69487	333-102628
333-69489	333-104356
333-69491	333-104357
333-69493	333-105252
333-70153	333-105254
333-76419	333-105255
333-76423	333-105256
333-76425	333-105259
333-91921	333-105266
333-91925	333-105267
333-91927	333-105270
333-91929	333-105272