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It’s been a bit of an annus horribilis for venerable insurer The Hartford–between declining investment income, speculation about a selloff of its property-casualty unit, and the announcement of the December retirement of long-time president and CEO Ramani Ayer.

But in spite of the challenges, the beleaguered insurer believes there are brighter times ahead, in large part due to the efforts of its 12,000 appointed agents. AA&B spoke with Juan Andrade, executive vice president for sales and distribution, about what lies ahead for The Hartford and its independent agent and broker partners.

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