Wait... let me get this straight. a VP at Hartford funds can see how a potential 40 year retirement would work, but can't understand how a 50 year retirement would work? Hint - it's the same damn thing. If your money lasts 40 years, odds are it'll last 50+.
Have you seen the fees on their funds? Nope, you probably can't retire for 50 years using their funds. However your advisor probably could.
Yeah, their fees are horrible, and you probably couldn't retire for 50 years using a 4% WR. But it doesn't change the premise I outlined above. If your funds last you for 40 years, odds are they will last you 50+ years. Why? Because with any retirement fund there's two likely outcomes - it goes to "$0" within ~30 years, or it starts growing way beyond your initial investment.
Take a look at fireCALC/fireSIM - under any given WR, eliminate those that fail after 40 years, and the ones that remain overwhelmingly have grown beyond the initial investment.