Important information from: Talcott Resolution May 1, 2020 The COVID-19 pandemic has created unprecedented challenges for businesses, communities, and families. While much is changing moment to moment, our focus remains clear: providing reliable service to our customers and partners, while safeguarding the health and welfare of our employees. Talcott Resolution has a long history of financial stability and experience navigating ever- changing markets. Our risk management capabilities are comprehensive and operating as expected. We stand well-positioned to remain stable through this turbulent time. During this pandemic, you may have questions about your contract. For general inquiries please contact us. If you are affected by the COVID-19 pandemic and have concerns about time- sensitive transactions or decisions you must make about your contract, your state may offer an extension. If you need advice on your unique financial situation, contact your investment professional. We are committed to being here for you and wish everyone health and safety during this unprecedented time. Dear Valued Annuity Contract Owner, You can access your contract information at any time by registering and logging in to Talcott Resolution’s Annuity Service Center at www.talcottresolution.com. If you have questions regarding this mailing or want to request documents, please call our Annuity Contact Center at 1-800-862-6668, Monday through Thursday, 8:00 a.m. to 7:00 p.m., or Friday, 9:15 a.m. to 6:00 p.m., Eastern Time. Sincerely, Union Security Insurance Company or Union Security Life Insurance Company of New York* *Annuities issued by Union Security Insurance Company or Union Security Life Insurance Company of New York are administered by Talcott Resolution Life and Annuity Insurance Company and Talcott Resolution Life Insurance Company, respectively. Union Security Insurance Company or Union Security Life Insurance Company of New York P.O. Box 14293 Lexington, KY 40512-4293 303207 Prospectus issued by: Union Security Insurance Company or Union Security Life Insurance Company of New York* May 1, 2020 *Annuities issued by Union Security Insurance Company or Union Security Life Insurance Company of New York are administered by Talcott Resolution Life and Annuity Insurance Company and Talcott Resolution Life Insurance Company, respectively. EMPOWER VARIABLE ANNUITY VARIABLE ACCOUNT D ISSUED BY: UNION SECURITY INSURANCE COMPANY 2323 GRAND BOULEVARD KANSAS CITY, MO 64108 ADMINISTERED BY: TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY PO BOX 14293 LEXINGTON, KY 40512-4293 1-800-862-6668 (CONTRACT OWNERS) 1-800-862-7155 (INVESTMENT PROFESSIONALS) www.talcottresolution.com This prospectus describes the EmPower Variable Annuity. EmPower Variable Annuity is a contract between you and Union Security Insurance Company (formerly Fortis Benefits Insurance Company) where you agree to make at least one Premium Payment and Union Security agrees to make a series of Annuity Payouts at a later date. This Contract is a flexible premium, tax-deferred, variable annuity offered to both individuals and groups. It is: Flexible, because you may add Premium Payments at any time. Tax-deferred, which means you don't pay taxes until you take money out or until we start to make Annuity Payouts. Variable, because the value of your Contract will fluctuate with the performance of the underlying Funds. This Contract and its features are no longer available for new sales. At the time you purchased your Contract, you allocated your Premium Payment to "Sub-Accounts." These are subdivisions of our Separate Account, an account that keeps your Contract assets separate from our company assets. The Sub-Accounts then purchase shares of mutual funds set up exclusively for variable annuity or variable life insurance products. These are not the same mutual funds that you buy through your stockbroker or through a retail mutual fund. They may have similar investment strategies and the same portfolio managers as retail mutual funds. This Contract offers you Funds with investment strategies ranging from conservative to aggressive and you may pick those Funds that meet your investment goals and risk tolerance. The Funds are part of the following Portfolio companies: AIM Variable Insurance Funds, BlackRock, and Hartford HLS Funds. You may also allocate some or all of your Premium Payment to a Guarantee Period in our General Account. A Guarantee Period guarantees a rate of interest until a specified maturity date and may be subject to a Market Value Adjustment ("MVA"). Premium Payments allocated to a Guarantee Period are not segregated from our company assets like the assets of the Separate Account. You should keep this prospectus for your records. You can also call us at 1-800-862-6668 to get a Statement of Additional Information ("SAI"), free of charge. The SAI contains more information about this Contract, and, like this prospectus, the SAI is filed with the Securities and Exchange Commission ("SEC"). Although we file the prospectus and the SAI with the SEC, the SEC doesn't approve or disapprove these securities or determine if the information in this prospectus is truthful or complete. Anyone who represents that the SEC does these things may be guilty of a criminal offense. This prospectus and the SAI can also be obtained from the SEC's website (www.sec.gov). Pursuant to IRS Circular 230, you are hereby notified of the following: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax adviser. This product is not intended to provide tax, accounting or legal advice. Please consult with your tax accountant or attorney prior to finalizing or implementing any tax or legal strategy or for any tax, accounting or legal advice concerning your situation. Four Simple Steps to Safeguard Your Account Against Fraud We take protection of our customer accounts and information seriously. With the number of security breaches on the rise, it is a good time to remind you, our clients, to increase your awareness and protect yourself from fraud. We recommend four easy ways you can help protect yourself and your investments. 1. Strengthen Your Password A strong password is your primary line of defense, which is why criminals attempt to acquire them. Passwords should be complex and difficult to guess. In order to ensure their ongoing effectiveness, passwords should be changed on a regular basis. 2. Keep Your Information Current Make sure your contact information, including mailing address, email address and phone number is up to date with us. This will ensure that you receive your important documents. 3. Be Aware Learn to recognize phishing emails, suspicious phone calls and texts from individuals posing as legitimate organizations, such as a bank, credit card company and government agencies. Do not click on links or download attachments from unknown sources. 4. Review Your Account Statements and Notify Law Enforcement of Suspicious Activity As a precautionary measure, we recommend that you remain vigilant by reviewing your account statements and credit reports closely. If you detect any suspicious activity on an account, you should promptly notify the financial institution or company with which the account is maintained. You also should promptly report any fraudulent activity or suspected incidence of identity theft to proper law enforcement authorities or the Federal Trade Commission (FTC). To file a complaint with the FTC, you may do so at www.ftc.gov/idtheft or call 1-877-ID-THEFT (877-438-4338). The FTC mailing address is 600 Pennsylvania Ave. NW, Washington, DC 20580. Complaints filed with the FTC will be added to the FTC’s Identity Theft Data Clearinghouse, which is a database made available to law enforcement agencies. Obtain a Copy of Your Credit Report You may obtain a free copy of your credit report from each of the three major credit reporting agencies once every 12 months by visiting www.annualcreditreport.com, calling toll-free 877-322-8228, or by completing an Annual Credit Report Request Form (found on the website) and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. Or you can elect to purchase a copy of your credit report by contacting one of the three national credit reporting agencies. Contact information for the three national credit reporting agencies is provided below: Equifax Experian Transunion (800) 685-1111 (888) 397-3742 (800) 888-4213 www.equifax.com www.experian.com www.transunion.com P.O. Box 740241 P.O. Box 2002 P.O. Box 1000 Atlanta, GA 30374 Allen, TX 75013 Chester, PA 19016 Additional Free Resources on Identity Theft You may wish to review the tips provided by the FTC on how to avoid identity theft. For more information, please visit www.consumer.ftc.gov/topics/privacy-identity or call 1-877-ID THEFT (877-438-4338). We are not an investment adviser nor are we registered as such with the SEC or any state securities regulatory authority. We are not acting in any fiduciary capacity with respect to your investment. This information does not constitute personalized investment advice or financial planning advice. Union Security has, in the past, filed annual reports on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K under the Securities Exchange Act of 1934, as amended (the "Exchange Act"). As of May 1, 2009, Union Security has relied on the exemption provided by Rule 12h-7 under the Exchange Act, and accordingly does not intend to file these reports, or other reports under the Exchange Act. Beginning on January 1, 2021, as permitted by regulations adopted by the Securities Exchange Commission, paper copies of the shareholder reports for the portfolio companies available under your Contract will no longer be sent by mail, unless you specifically request paper copies of the reports from Talcott Resolution or your Financial 2 Intermediary.