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Annuities account for about two-thirds of total life insurance industry sales, according to the Life Insurance Marketing Research Association, with variable annuities making up the bulk of those sales. The Hartford is the leading seller of variable annuities in the U.S., followed by TIAA-CREF, the AXA Equitable Life Insurance unit of France's AXA, MetLife, and AIG's AIG SunAmerica Life Assurance.