EXHIBIT 99.4 INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY CONTRACT HARTFORD LIFE INSURANCE COMPANY Hartford, Connecticut 06104-2999 (a stock life insurance company, herein called the "Company") We will pay the first of a series of annuity payments to...Individual Flexible Premium Variable Annuity Contract • July 21st, 2008 • Hartford Life Insurance Co Separate Account Three • Connecticut
DESCRIPTION OF BENEFITS INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY CONTRACT SEPARATE ACCOUNT: [HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT THREE] ANNUAL WITHDRAWAL AMOUNT: CONTRACT YEARS [1-7] [10%] OF PREMIUM PAYMENTS MADE PER CONTRACT YEAR ON A NONCUMULATIVE BASIS. AFTER CONTRACT YEAR [7] 100% OF THE CONTRACT VALUE REDUCED BY THE TOTAL OF EACH PREMIUM PAYMENT MADE DURING THE [7] CONTRACT YEARS PRIOR TO WITHDRAWAL; AND [10%] OF PREMIUM PAYMENTS MADE DURING EACH OF THE [7] CONTRACT YEARS PRIOR TO WITHDRAWAL ON A NONCUMULATIVE BASIS. ANNUAL MAINTENANCE FEE: $0 IF THE CONTRACT VALUE IS $50,000 OR MORE ON THE CONTRACT ANNIVERSARY. $[30] IF THE CONTRACT VALUE IS LESS THAN $50,000 ON THE CONTRACT ANNIVERSARY AND WHEN THE CONTRACT IS FULLY SURRENDERED. MORTALITY AND EXPENSE RISK CHARGE: [0.80%] PER ANNUM OF THE DAILY SUB-ACCOUNTS VALUE. ADMINISTRATION CHARGE: [0.20%] PER ANNUM OF THE DAILY SUB-ACCOUNTS VALUE.
