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It’s been a bit of an annus horribilis, a horrible year indeed for The Hartford Insurance Group–between declining investment income, speculation about a selloff of its property and casualty unit, and the announcement of the retirement this December of longtime president and chief executive officer 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.

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