Is 45 years of age or older

Typically earns at least $75,000 annually in one of these ways:

• Owns a business which has five or fewer permanent employees, counting the owner
  
• Is self-employed as primary means of earning a living
  
• Has a second occupation in which client works for himself or herself
  
• Is considered an Independent Contractor rather than an employee
  
• Receives self-employment compensation from an organization or individual who is not the regular employer

Expects to continue in this occupation or business for at least three more years

Has sufficient income from all sources combined to afford to contribute a substantial proportion of the earned income to a Hartford Solo db each year until retirement.