  continue with The Hartford Two family-run insurance busi- nesses in California have main- tained business relations with  The Hartford for more than  15 years and two generations. Pictured at right are principals of Unisure Insurance Associates of Torrance, CA,  Al Villasenor and Anne Villasenor Perez , father and daughter. To their right are siblings Marc Schwartz , President and  COO, and  Lisa Schwartz Koonce , Director of Human Resources of Windsor Insurance Associates of Woodland Hills, CA. Marc and Lisa’s father, Jerry Schwartz, founded the company in 1977. Unisure is a 45-year-old family- operated independent insurance brokerage corporation. Both  companies began work with  The Hartford in 1990 and have remained associates ever since. “Trust and relationship-building are key in our business and we’ve developed a great deal of both  in working with The Hartford,” Marc points out. “The Hartford’s National Sales Center processes business for Windsor clients and provides us with excellent service, underwriting, and overall agent  and customer relations.” Al notes, “We work with our clients 10 to  20 years. Consistency and accu- racy are important to us, and  The Hartford has not let us down.” The Hartford’s international expansion is continuing in 2005, as we begin sales of investment and retirement savings products in the United Kingdom. We are excited to enter  this market, because its characteristics–an aging baby boom  segment in a developed nation with a growing appetite for  supplemental retirement solutions–parallel those in the  United States and Japan. At The Hartford, “we deliver” is not an empty promise.  Our service is consistently high, year after year, and again  differentiated us in the financial services and life insurance  marketplaces in 2004. DALBAR, an independent research organization that measures service quality and performance,  By 2030, there will be  70 million Americans above the age of 65 14