Hartford and the Allstate Life Group, two of the top three insurance companies in first-half variable annuity sales through banks, have Putnam Investments of Boston to thank for much of their success, according to a study released by Kenneth Kehrer Associates.

Hartford's Capital Manager and Allstate's Putnam Allstate Advisor, both managed by Putnam, are among the top annuities sold through banks, the study said.

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