8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): February 3, 2014

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

(Exact name of registrant as specified in its charter)

Delaware	001-13958	13-3317783
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)
The Hartford Financial Services Group, Inc. One Hartford Plaza Hartford, Connecticut		06155
(Address of Principal Executive Offices)		(Zip Code)

Registrant’s telephone number, including area code: (860) 547-5000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 Results of Operations and Financial Condition

On February 3, 2014, The Hartford Financial Services Group, Inc. (the "Company") issued (i) a press release announcing its financial results for the fiscal year and quarter ended December 31, 2013, and (ii) its Investor Financial Supplement (“IFS”) relating to its financial results for the fiscal year and quarter ended December 31, 2013. Copies of the press release and the IFS are furnished herewith as Exhibits 99.1 and 99.2, respectively, and are incorporated herein by reference.

The information furnished pursuant to this Item 2.02, including Exhibits 99.1 and 99.2, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 9.01 Financial Statements and Exhibits

Exhibit No.
99.1	Press Release of The Hartford Financial Services Group, Inc. dated February 3, 2014
99.2	Investor Financial Supplement of The Hartford Financial Services Group, Inc. for the fiscal year and quarter ended December 31, 2013

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date:	February 3, 2014	By:	/s/ Scott R. Lewis
		Name:	Scott R. Lewis
		Title:	Senior Vice President and Controller

EX-99.1

NEWS RELEASE

The Hartford Reports Fourth Quarter And Full Year 2013 Financial Results; Announces 2014 Outlook And Capital Management Plan For 2014 And 2015

• Fourth quarter 2013 core earnings* rose 78% to $456 million, or $0.94 per diluted share, over fourth quarter 2012; net income totaled $314 million, or $0.65 per diluted share

• Full year 2013 core earnings increased 26% to $1,742 million, or $3.55 per diluted share, from full year 2012; net income was $176 million, or $0.34 per diluted share

• Standard Commercial renewal written pricing increases remained stable at 8% for the sixth consecutive quarter

• Full year 2013 combined ratio, before catastrophes and prior year development*, of 92.4 improved 2.4 points from 94.8 in 2012

• Japan variable annuity (VA) and U.S. VA policy count declined 26% and 14%, respectively, in 2013; Fourth quarter 2013 Japan VA and U.S. VA annualized full surrender rates were 42% and 15%, respectively

• Full year 2014 core earnings outlook of $1,650 million to $1,750 million, a modest increase over 2013 core earnings, excluding net favorable items

• 2014 and 2015 capital management plan totaling $2.656 billion, including equity repurchases totaling $2.0 billion and repayment of debt maturities of $656 million

HARTFORD, Conn., Feb. 3, 2014 – The Hartford (NYSE:HIG) reported core earnings of $456 million for the three months ended Dec. 31, 2013 (fourth quarter 2013), up 78% from $256 million in fourth quarter 2012 due to lower catastrophe losses and improved Property and Casualty (P&C) Commercial and Group Benefits margins, partially offset by a decline in core earnings from Talcott Resolution and Corporate. Core earnings per diluted share rose 81% to $0.94 from $0.52 in fourth quarter 2012.

*Denotes financial measures not calculated based on generally accepted accounting principles (“non-GAAP").

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Fourth quarter 2013 net income totaled $314 million, or $0.65 per diluted share, compared with a fourth quarter 2012 net loss of $46 million, or $0.13 per diluted share, reflecting both higher core earnings and lower net realized capital losses. Fourth quarter 2013 net realized capital losses not included in core earnings, which are principally on international VA hedging programs, totaled $177 million, after-tax and deferred acquisition costs (DAC), a 37% decrease from $282 million, after-tax and DAC, in fourth quarter 2012.

“Fourth quarter was a strong finish to an outstanding year for The Hartford,” said The Hartford’s Chairman, President and CEO Liam E. McGee. “We executed our strategy and delivered 41% core earnings growth in P&C, Group Benefits and Mutual Funds, and reduced VA policy counts in Japan and the U.S. by 26% and 14%, respectively. Pricing increases in P&C Standard Commercial remained stable at 8% for the sixth consecutive quarter and profits rebounded in Group Benefits.”

“The Hartford’s 2014 outlook demonstrates confidence in the company's continued ability to create shareholder value. We are focused on driving profitable growth, further reducing risk in Talcott Resolution, and making the company work more effectively and efficiently. With our strong financial position and capital generation, we were pleased to announce a new, two-year $2.656 billion capital management plan,” added McGee.

For the full year ended Dec. 31, 2013 (full year 2013), core earnings grew 26% to $1,742 million, or $3.55 per diluted share, from $1,386 million, or $2.85 per diluted share in 2012. Core earnings improved as a result of lower catastrophe losses and improved margins in P&C Commercial, Consumer Markets and Group Benefits, partially offset by a decline in core earnings from Talcott Resolution.

Full year 2013 net income was $176 million, or $0.34 per diluted share compared with full year 2012 net loss of $38 million, or $0.18 per diluted share. Full year 2013 net income was impacted by $701 million, after-tax and DAC, of net realized capital losses, principally related to international VA hedging programs, that are not included in core earnings and a $525 million, after-tax, unlock charge. Full year 2012 net income included $410 million of net realized capital losses not included in core earnings, after-tax and DAC; $587 million loss on extinguishment of debt, after-tax; and $388 million net reinsurance loss, after-tax, related to the sale of the Individual Life business, announced in September 2012.

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CONSOLIDATED FINANCIAL RESULTS

($ in millions except per share data)	Three Months Ended			Years Ended
	Dec. 31 2013	Dec. 31 2012	Change2	Dec. 31 2013	Dec. 31 2012	Change2
Core earnings (loss):
P&C Commercial	$229	$26	NM	$827	$511	62%
Consumer Markets	$49	$11	NM	$205	$159	29%
P&C Other Operations	$22	$17	29%	($11)	$44	NM
Property & Casualty Combined	$300	$54	NM	$1,021	$714	43%
Group Benefits	$55	$39	41%	$158	$101	56%
Mutual Funds	$20	$16	25%	$78	$74	5%
Sub-Total	$375	$109	NM	$1,257	$889	41%
Talcott Resolution	$173	$202	(14)%	$735	$810	(9)%
Corporate	($92)	($55)	(67)%	($250)	($313)	20%
Core earnings	$456	$256	78%	$1,742	$1,386	26%
Net income (loss)	$314	($46)	NM	$176	($38)	NM
Net income (loss) available to common shareholders per diluted share1	$0.65	$(0.13)	NM	$0.34	$(0.18)	NM
Weighted average diluted common shares outstanding	486.1	488.9	(1)%	490.6	486.8	1%
Core earnings available to common shareholders per diluted share1	$0.94	$0.52	81%	$3.55	$2.85	25%

[1] Includes dilutive potential common shares

[2] The Hartford defines increases or decreases greater than or equal to 200%, or changes from a net gain to a net loss position, or vice versa, as "NM" or not meaningful

Fourth quarter 2013 net income and core earnings included the following items that had no net impact on earnings, compared with items that decreased net income and core earnings by a total of $120 million, after-tax, or $0.25 per diluted share, in fourth quarter 2012:

• Fourth quarter 2013 catastrophe losses that were less than the company's $42 million, after-tax, outlook by $24 million, after-tax, or $0.05 per diluted share. This compares with fourth quarter 2012 catastrophe losses that were $174 million, after-tax, or $0.36 per diluted share, higher than the company's fourth quarter 2012 outlook of $44 million, after-tax;

• Fourth quarter 2013 unfavorable P&C (Combined) prior year loss and loss adjustment expense reserve development (PYD) of $10 million, after-tax, or $0.02 per diluted share, compared with fourth quarter 2012 unfavorable PYD of $6 million, after-tax, or $0.01 per diluted share;

• Fourth quarter 2013 Corporate segment expense of $14 million, after-tax, or $0.03 per diluted share, related to a tax adjustment, compared to a fourth quarter 2012 Corporate segment tax benefit of $17 million, after-tax, or $0.03 per diluted share, related to retiree prescription drug benefits; and

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• Fourth quarter 2012 core earnings in Talcott Resolution of $43 million, or $0.09 per diluted share, from the Individual Life and Retirement Plans businesses that were sold in first quarter 2013.

Full year 2013 net income and core earnings included the following items that increased net income and core earnings by a total of $19 million, after-tax, or $0.04 per diluted share, compared with items that decreased net income and core earnings by a total of $26 million, after-tax, or $0.05 per diluted share, in 2012.

• Full year 2013 catastrophe losses that were less than the company's 2013 outlook of $305 million, after-tax, by $103 million, after-tax, or $0.21 per diluted share, compared with full year 2012 catastrophe losses that were $210 million, after-tax, or $0.43 per diluted share, greater than the company's 2012 catastrophe outlook of $249 million, after-tax;

• Full year 2013 unfavorable PYD of $125 million, after-tax, or $0.25 per diluted share, compared with full year 2012 favorable PYD of $3 million, after-tax, or $0.01 per diluted share;

• Full year 2013 net benefit of $41 million, or $0.08 per diluted share, in the Corporate segment for an insurance recovery, tax adjustment and other items, compared with a full year 2012 tax benefit totaling $17 million, or $0.03 per diluted share; and

• Full year 2012 core earnings in Talcott Resolution of $164 million, or $0.34 per diluted share, from the Retirement Plans and Individual Life businesses that were sold in first quarter 2013.

2014 OUTLOOK

The Hartford announced that the company's full year 2014 core earnings outlook is $1,650 million to $1,750 million. The 2014 outlook includes catastrophe losses of $305 million, after-tax, unfavorable PYD of $22 million, after-tax, due to the accretion of the discount on workers' compensation loss reserves, and limited partnership and other alternative investment returns of 6%, or $112 million, after-tax.

"With improved financial flexibility and growing dividend capacity from our operating subsidiaries, we are pleased to announce our 2014 and 2015 capital management plan and 2014 core earnings outlook of $1.65 billion to $1.75 billion," said The Hartford’s Chief Financial Officer Christopher J. Swift. "Our 2014 outlook represents a modest increase over 2013 core earnings and ROE, adjusted for certain 2013 items including favorable catastrophes and limited partnership income and unfavorable prior year development. Having closed out an outstanding 2013, we are now focused on 2014 and beyond. We look forward to making continued progress on our goals to grow book value per share and to increase core earnings ROE."

The Hartford's outlook is a management estimate based on business, competitive, capital market, catastrophe loads and other assumptions. Key business and market assumptions included in this outlook are set forth in the table below. This outlook is subject to change for many reasons, including unusual or unpredictable items, such as catastrophe losses, tax benefits or charges, prior year development, investment results, and other items. The company has frequently experienced unusual or unpredictable benefits and charges that were not anticipated in previously provided guidance.

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2014 Outlook

($ in millions)	2013 Actual	2014 Outlook
Consolidated core earnings	$1,742	$1,650 - $1,750
Key Metrics and Market Assumptions:
P&C Commercial combined ratio1	93.0	90.0 - 92.0
Consumer Markets combined ratio1	90.6	87.0 - 90.0
P&C catastrophe loss ratio2	3.2%	4.7%
Group Benefits core earnings after-tax margin	4.3%	4.5% - 5.0%
Talcott Resolution core earnings	$735	$560 - $580
Annualized investment portfolio yield3	4.3%	4.1%
S&P 500 annualized return	29.6%	4.0%
10 Year Treasury yield, at year-end	3.0%	3.2%

[1] Excludes catastrophes and PYD and is a financial measure not calculated based on generally accepted accounting principles

[2] Outlook includes P&C catastrophe ratio outlook of 2.5% in P&C Commercial and 8.3% in Consumer Markets

[3] Yields calculated using annualized net investment income (excluding income related to equity securities, trading) divided by the monthly average invested assets at cost, amortized cost, or adjusted carrying value, as applicable, excluding equity securities, trading, repurchase agreement and dollar roll collateral, and consolidated variable interest entity non-controlling interests

Full year 2013 core earnings include the impact of certain items that differ or are not included in the company's 2014 core earnings outlook. In particular, 2013 catastrophes were $103 million, after-tax, below the company's 2013 outlook; the 2014 outlook includes a catastrophe loss estimate of $305 million, after-tax. In addition, full year 2014 unfavorable PYD includes only the accretion of discount on workers' compensation reserves, whereas full year 2013 PYD includes unfavorable development on other P&C lines, including $92 million, after-tax, of unfavorable asbestos and environmental PYD. Finally, the yield on full year 2013 limited partnership and other alternative investments was 10%, above the company's 2014 outlook of 6%. The table below provides a reconciliation of these and Corporate segment items between full year 2013 core earnings and the 2014 outlook.

2013 Core Earnings Reconciliation To 2014 Outlook
($ in millions)	2013	2014 Outlook
Core earnings	$1,742	$1,650	-	$1,750
Adjustments:
Catastrophes favorable to outlook	(103)
Unfavorable prior year development	125	22	-	22
Net favorable items in Corporate	(41)
Limited partnership returns above 6% return	(73)
Adjusted core earnings	$1,650	$1,672	-	$1,772
2014 outlook growth over 2013, as adjusted		1%	-	7%

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PROPERTY & CASUALTY (COMBINED)

Fourth Quarter 2013 Highlights:

• Combined ratio, before catastrophes and PYD, improved 2.2 points to 93.2 from 95.4 in fourth quarter 2012

• Written premiums grew 2% over fourth quarter 2012

• Core earnings were $300 million, compared to $54 million in fourth quarter 2012, primarily due to lower catastrophe losses

PROPERTY & CASUALTY
($ in millions)	Three Months Ended
	Dec. 31 2013	Dec. 31 2012	Change
Underwriting gain (loss)*	$128	$(229)	NM
Investment income	$324	$301	8%
Core earnings	$300	$54	NM
Net income	$346	$80	NM
Expense ratio	28.3	28.2	(0.1)
Combined ratio	94.9	109.2	14.3
Combined ratio before catastrophes and PYD	93.2	95.4	2.2
PYD, before tax	$15	$9	67%
Current accident year catastrophe losses, before tax	$28	$335	92%
Written premiums	$2,349	$2,314	2%

Fourth quarter 2013 P&C (Combined) core earnings were $300 million, an increase from $54 million in fourth quarter 2012 due to significantly lower catastrophe losses and better current accident year results. Fourth quarter 2013 net income was $346 million, compared with $80 million in fourth quarter 2012, reflecting the improvement in core earnings.

Fourth quarter 2013 underwriting gain was $128 million, a substantial improvement compared with a loss of $229 million in fourth quarter 2012, as a result of improved current accident year results and lower catastrophe losses. Catastrophe losses totaled $28 million, before tax, in fourth quarter 2013, a substantial decline from fourth quarter 2012 catastrophe losses of $335 million, before tax, which included significant losses from Storm Sandy. PYD had a relatively modest impact on underwriting results in both periods, totaling an unfavorable $15 million, before tax, in fourth quarter 2013 compared with an unfavorable $9 million, before tax, in fourth quarter 2012.

Fourth quarter 2013 combined ratio was 94.9 compared with 109.2 in fourth quarter 2012. Before catastrophes and PYD, the P&C (Combined) fourth quarter 2013 combined ratio improved 2.2 points to 93.2 compared with 95.4 in fourth quarter 2012, reflecting pricing and underwriting initiatives in P&C Commercial.

Fourth quarter 2013 written premiums increased 2% over the prior year period, reflecting 1% growth in P&C Commercial and 3% growth in Consumer Markets.

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P&C Commercial

Fourth Quarter 2013 Highlights:

• Underwriting gain improved to $98 million compared with a loss of $193 million in fourth quarter 2012 due to lower catastrophe losses and better current accident year results

• Standard Commercial renewal written pricing increased 8% in fourth quarter 2013, consistent with the last five quarters

• Middle Market workers' compensation represented 30% of new business, compared with 38% in fourth quarter 2011

P&C COMMERCIAL
($ in millions)	Three Months Ended
	Dec. 31 2013	Dec. 31 2012	Change
Underwriting gain (loss)	$98	$(193)	NM
Combined ratio	93.7	112.3	18.6
Combined ratio before catastrophes and PYD	92.5	97.8	5.3
Small Commercial	85.9	92.8	6.9
Middle Market	94.8	99.0	4.2
Specialty	100.6	111.2	10.6
Written premiums	$1,463	$1,454	1%
Standard commercial price increases	8%	8%	—

P&C Commercial underwriting gain was $98 million in fourth quarter 2013 versus a loss of $193 million in fourth quarter 2012 due to lower catastrophe losses and better current accident year results in each of its three businesses (Small Commercial, Middle Market and Specialty.) Fourth quarter 2013 catastrophe losses totaled $7 million, before tax, compared with $209 million, before tax, in fourth quarter 2012, due to Storm Sandy.

Unfavorable PYD decreased to $12 million, before tax, in fourth quarter 2013 compared with $18 million, before tax, in fourth quarter 2012. Unfavorable PYD in fourth quarter 2013 was largely related to the package business, which was partially offset by favorable development on workers’ compensation, principally for older accident years.

The combined ratio before catastrophes and PYD improved to 92.5 in fourth quarter 2013 compared with 97.8 in fourth quarter 2012, reflecting improved underwriting margins in Small Commercial, Middle Market and Specialty. Before catastrophes and PYD, the fourth quarter 2013 combined ratio for Small Commercial was 85.9, a 6.9 point improvement from 92.8 in fourth quarter 2012, while Middle Market improved by 4.2 points to 94.8 from 99.0 in fourth quarter 2012 and Specialty improved 10.6 points to 100.6 from 111.2 in fourth quarter 2012.

Renewal written pricing in Standard Commercial, which is comprised of Small Commercial and Middle Market, remained strong in fourth quarter 2013, reflecting price increases in all business lines. Renewal written pricing increased 8% in Standard Commercial, consistent with the last five quarters. Small Commercial renewal written pricing increases averaged 8%, including an increase of 11% in commercial auto. Middle Market renewal written pricing increases averaged 7%, reflecting increases of 8% in both workers' compensation and property and 10% in commercial auto.

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Written premiums grew 1% from $1,454 million in fourth quarter 2012 to $1,463 million in fourth quarter 2013, driven by growth in Small Commercial and Middle Market, which were up 1% and 2%, respectively. Written premium growth reflects higher pricing on renewals in Small Commercial, stronger new business production in Middle Market and solid retention in both business lines. New business premium for Small Commercial and Middle Market totaled $213 million, up 13% from $189 million in fourth quarter 2012 driven by Middle Market property and general liability. Policy count retention in Small Commercial was 82% in fourth quarter 2013 compared with 83% in fourth quarter 2012. Middle Market policy count retention for fourth quarter 2013 was 79%, flat versus fourth quarter 2012.

Consumer Markets

Fourth Quarter 2013 Highlights:

• Written premiums rose 3% compared with fourth quarter 2012

• New business premium increased 18% year over year, driven by auto

• Combined ratio 95.8 compared with 102.3 in fourth quarter 2012

CONSUMER MARKETS
($ in millions)	Three Months Ended
	Dec. 31 2013	Dec. 31 2012	Change
Underwriting gain (loss)	$39	$(21)	NM
Combined ratio	95.8	102.3	6.5
Combined ratio before catastrophes and PYD	93.6	90.0	(3.6)
Written premiums	$886	$859	3%

Consumer Markets had an underwriting gain of $39 million in fourth quarter 2013 compared with a loss of $21 million in fourth quarter 2012 due primarily to lower catastrophe losses. Before catastrophes and PYD, the fourth quarter 2013 combined ratio increased 3.6 points to 93.6 from 90.0 in the prior year period as a result of fourth quarter 2013 current accident year reserve strengthening in auto and higher homeowners severity in fourth quarter 2013 compared to very favorable experience in fourth quarter 2012.

Catastrophe losses totaled $21 million, before tax, in fourth quarter 2013, significantly lower than fourth quarter 2012, which totaled $126 million due to Storm Sandy. On a net basis, there was no PYD in fourth quarter 2013 compared with favorable PYD of $14 million, before tax, in fourth quarter 2012, principally from homeowners.

The auto combined ratio, before catastrophes and PYD, was 102.7 in fourth quarter 2013, 2.2 points higher than 100.5 in fourth quarter 2012 due to a strengthening of current accident year auto liability reserves as frequency trends developed slightly higher than expected during the second half of the year. The combined ratio for homeowners, before catastrophes and PYD, was 70.6, 4.9 points higher than 65.7 in fourth quarter 2012, due to higher non-catastrophe weather losses compared to very favorable experience in 2012.

Fourth quarter 2013 written premiums rose 3% from fourth quarter 2012 as a result of new business premium growth, stable premium retention, and renewal written price increases. Fourth quarter 2013 premium retention for auto remained stable at 87% while homeowners increased by 1 point to 92%. Fourth quarter 2013 renewal written price increase averaged 5% in auto and 8% in homeowners, compared with 5% and 6%, respectively, in fourth quarter 2012.

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New business premium totaled $126 million, 18% higher than fourth quarter 2012 new business premium of $107 million due to strong auto new business across all channels, particularly AARP Agency and AARP Direct.

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P&C Other Operations

Fourth quarter2013 underwriting loss was$9 millioncompared with$15 millioninfourth quarter2012.Fourth quarter2013 results included unfavorablePYD of$3 million, before tax, whilefourth quarter2012 had unfavorable PYD of$5 million, before tax.

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GROUP BENEFITS

Fourth Quarter 2013 Highlights:

• Core earnings of $55 million, up 41% from $39 million in fourth quarter 2012, due to improved group long-term disability results

• Improved core earnings after-tax margin of 5.9% compared with 3.8% in fourth quarter 2012

• Loss ratio improved 4.3 points from fourth quarter 2012 to 72.7% driven by favorable long-term disability pricing and loss trends

GROUP BENEFITS
($ in millions)	Three Months Ended
	Dec. 31 2013	Dec. 31 2012	Change
Fully insured premiums¹	$821	$915	(10%)
Loss ratio	72.7%	77.0%	4.3
Core earnings	$55	$39	41%

[1] Fully insured ongoing premiums excludes buyout premiums and premium equivalents

Fourth quarter 2013 Group Benefits core earnings were $55 million, a 41% increase compared with $39 million in fourth quarter 2012. Results reflect improved group long-term disability results, which tend to have favorable seasonality in the fourth quarter. Net income in fourth quarter 2013 rose 26% to $58 million compared with $46 million in fourth quarter 2012 due to higher core earnings, partially offset by lower realized capital gains.

The loss ratio of 72.7% in fourth quarter 2013 declined from 77.0% in fourth quarter 2012, a 4.3 point improvement principally due to improved group disability results. The group disability loss ratio, which includes both short-term and long-term disability, improved by 10.1 points to 75.7% from 85.8% in fourth quarter 2012, reflecting favorable long-term disability recoveries and incidence trends and improved pricing. As a result of improved loss trends, the core earnings after-tax margin rose to 5.9% from 3.8% in fourth quarter 2012.

In fourth quarter 2013, fully insured premiums in Group Benefits were $821 million, a 10% decrease compared with $915 million in fourth quarter 2012. The reduction in premiums was expected and was primarily the result of the previously disclosed non-renewal of the largest account in this segment due to pricing and other considerations, continued pricing discipline, and management actions on the Association - Financial Institutions block of business.

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MUTUAL FUNDS

Fourth Quarter 2013 Highlights:

•Core earnings were $20 million, up 25% compared with fourth quarter2012

• Total Mutual Funds assets under management totaled $70.9 billion at Dec. 31, 2013, up 15% since Dec. 31, 2012

• Mutual Funds gross sales rose 13% versus fourth quarter2012, while net flows improved to $(0.4) billion

MUTUAL FUNDS
($ in millions)	Three Months Ended
	Dec. 31 2013	Dec. 31 2012	Change
Core earnings	$20	$16	25%
Total Mutual Funds sales	$3,555	$3,153	13%
Total Mutual Funds net flows	$(442)	$(1,057)	58%
Total Mutual Funds assets under management	$70,918	$61,611	15%
Average Mutual Funds assets under management (AUM)	$68,839	$61,447	12%
Annuity AUM	$25,817	$26,036	(1%)
Total AUM	$96,735	$87,647	10%
Average AUM	$94,566	$87,884	8%

Fourth quarter 2013 core earnings grew 25% to $20 million compared to $16 million in fourth quarter 2012 while fourth quarter2013 net income was $19 million, up 27% from $15 million in fourth quarter 2012. The increase in earnings was driven by growth in the retail and defined contribution mutual funds business, while earnings from annuity mutual funds remained stable. Earnings growth was driven by higher assets under management due to favorable market conditions, partially offset by increased expenses. The change in operating expenses was driven by higher variable distribution-related expenses combined with higher state taxes.

Total assets under management (AUM) rose 10% to $96.7 billion at Dec. 31, 2013 from $87.6 billion at Dec. 31, 2012 due to 15% growth in Mutual Funds AUM during that time period, partially offset by a 1% decline in Annuity AUM, as a result of surrender activity on the company's U.S. VA block.

Mutual Funds AUM increased due to strong sales and market appreciation, partially offset by redemptions. Mutual Funds sales rose 13% to $3.6 billion from $3.2 billion in the fourth quarter 2012 while net outflows improved to $0.4 billion, compared with $1.1 billion in fourth quarter 2012.

TALCOTT RESOLUTION

Fourth Quarter 2013 Highlights:

• Japan VA and U.S. VA policy count declined 26% and 14%, respectively, in 2013, reflecting a permanent reduction in risk

• Japan VA and U.S. VA annualized full surrender rates of 42% and 15%, respectively

• Completed the sale of the U.K. VA company to a subsidiary of Berkshire Hathaway in December 2013

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TALCOTT RESOLUTION
($ in millions)	Three Months Ended
	Dec. 31 2013	Dec. 31 2012	Change
Core earnings	$173	$202	(14%)
Net loss	$(15)	$(148)	90%
U.S. VA annualized full surrender rate1	14.5%	10.4%	4.1
Japan VA annualized full surrender rate1	41.5%	3.7%	37.8
U.S. VA account value	$61,812	$64,824	(5%)
Japan VA account value	$20,130	$27,716	(27%)

[1] Full surrender rate represents full contract liquidation; excludes partial withdrawals

Talcott Resolution fourth quarter 2013 core earnings were $173 million, a 14% decrease compared with $202 million in fourth quarter 2012 due to the loss of earnings from sold businesses and the continued runoff of the annuity block, partially offset by lower DAC amortization expenses and favorable investment income from limited partnerships and other alternative investments. Fourth quarter 2012 core earnings from the Individual Life and Retirement Plans businesses that were sold in January 2013 totaled $43 million.

Talcott Resolution fourth quarter 2013 net loss was $15 million compared with net loss of $148 million in fourth quarter 2012. The fourth quarter 2013 net loss included net realized capital losses not included in core earnings of $233 million, after-tax and DAC, principally from international VA hedging programs, partially offset by an unlock benefit of $47 million, after-tax.

U.S. VA policy counts as of Dec. 31, 2013 declined 3% from Sept. 30, 2013 and 14% from Dec. 31, 2012, reflecting a permanent reduction in risk. In fourth quarter 2013, the U.S. VA annualized full surrender rate increased to 14.5% compared with 10.4% in fourth quarter 2012. The increase in the U.S. VA surrender rate reflects both the improved moneyness level and the aging of the block. At Dec. 31, 2013, only 5% of contracts with living benefit guarantees, including guaranteed minimum withdrawal benefits, were in-the-money, compared with 23% of contracts at Dec. 31, 2012. Average moneyness was 12% for living benefit contracts in-the-money as of Dec. 31, 2013 compared to 9% as of Dec. 31, 2012. The Enhanced Surrender Value program and other initiatives contributed approximately 1.4 points to the fourth quarter 2013 annualized full surrender rate.

Primarily as a result of surrender activity, the U.S. VA account values had negative net flows of $14.6 billion during full year 2013. U.S. VA account values declined to $61.8 billion from $64.8 billion at Dec. 31, 2012, as the impact of negative net flows on account values were partially offset by favorable market appreciation during 2013.

Japan VA policy counts as of Dec. 31, 2013 declined 11%, from Sept. 30, 2013 and 26% from Dec. 31, 2012, reflecting a significant and permanent reduction in risk on that block of business. The Japan VA annualized full surrender rate was 41.5% in fourth quarter 2013, up from 30.8% in third quarter 2013 and 3.7% in fourth quarter 2012. The increase in the Japan VA surrender rate was due to the both the improved moneyness level and the aging of the block. At Dec. 31, 2013, approximately 20% of the contracts with living benefit guarantees, including guaranteed minimum income benefits, were in-the-money, a substantial improvement from 97% of contracts at Dec. 31, 2012. Average moneyness was 3% for living benefit contracts in-the-money at Dec. 31, 2013 compared to 12% at Dec. 31, 2012.

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Due largely to 2013 negative net flows of $8.1 billion, Japan VA account values declined by 27% to $20.1 billion at Dec. 31, 2013 from $27.7 billion at Dec. 31, 2012.

CORPORATE

Fourth quarter 2013 Corporate core losses totaled$92 million, versus core losses of$55 millioninfourth quarter2012; the Corporate net loss totaled$94 million infourth quarter2013compared with a net loss of$39 millioninfourth quarter2012. Fourth quarter 2013 core losses included a $14 million unfavorable tax adjustment, while fourth quarter 2012 core losses included a one-time tax benefit of $17 million, related to retiree prescription drug benefits. Interest expense totaled$96 million, before tax, in the quarter, a decrease of 12% from $109 million, before tax, in fourth quarter 2012.

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INVESTMENTS

Fourth Quarter 2013 Highlights:

• Annualized investment yield of 4.3%, before tax, level with fourth quarter 2012

• Annualized investment yield, excluding limited partnerships and other alternative investments, before tax, was 4.0%, down from 4.2% in fourth quarter 2012, excluding the Individual Life and Retirement Plans businesses that were sold in January 2013

• Net impairment losses, including mortgage loan loss reserves, totaled $15 million, before tax

INVESTMENTS
($ in millions)	Three Months Ended
Amounts presented before tax	Dec. 31 2013			Dec. 31 2012			Change
Net investment income, excluding trading securities		$827			$1,038		(20	%)
Net impairment losses including mortgage loan loss reserves		$15			$172		(91	%)
Annualized investment yield1	4.3		%	4.3		%	—
Annualized investment yield, excluding Retirement Plans and Individual Life	4.3		%	4.2		%	0.1
Annualized investment yield, excluding limited partnerships and other alternative investments	4.0		%	4.3		%	(0.3	)
Annualized investment yield, excluding Retirement Plans, Individual Life and limited partnerships and other alternative investments	4.0		%	4.2		%	(0.2	)

[1] Yields, before tax, calculated using annualized net investment income (excluding income related to equity securities, trading) divided by the monthly average invested assets at cost, amortized cost, or adjusted carrying value, as applicable, excluding equity securities, trading, repurchase agreement and dollar roll collateral, and consolidated variable interest entity non-controlling interests. Yield calculations for all periods exclude income and assets associated with the disposal of the U.K. VA business.

Fourth quarter 2013 net investment income, excluding trading securities associated with the company's Japan VA block, totaled $827 million, before tax, a 1% decrease over fourth quarter 2012, adjusted for the January 2013 sales of the Individual Life and Retirement Plans businesses. The decrease in net investment income compared to fourth quarter 2012 was largely due to a reduction in invested assets, partially offset by higher investment income on limited partnerships and other alternative investments.

Annualized investment yield, before tax, including investment income on limited partnerships and other alternative investments, was 4.3% in fourth quarter 2013, slightly higher than fourth quarter 2012, adjusted for the sales of the Individual Life and Retirement Plans businesses. Limited partnerships and other alternative investments generated income of $80 million, before tax, for an annualized return of 11% in fourth quarter 2013 compared with investment income of $44 million, before tax, for an annualized return of 6% in fourth quarter 2012. Fourth quarter 2013 new money yields were modestly higher than the yield on securities that matured or were sold during the quarter.

Fourth quarter 2013 annualized investment yield, before tax, excluding limited partnerships and other alternative investments, decreased to 4.0%, compared with 4.2% in fourth quarter 2012, excluding the sales of the Individual Life and Retirement Plans businesses. The lower yield in fourth quarter 2013 was primarily due to a reduction in income from repurchase agreements,

15

mortgage loan prepayment activity, and higher average short-term investment level compared with fourth quarter 2012.

Net impairment losses for fourth quarter 2013, including the change in mortgage loan loss reserves, totaled $15 million, before tax, compared with $172 million, before tax, in fourth quarter 2012. Impairment losses for fourth quarter 2012 included intent-to-sell impairments related to the businesses sold in January 2013.

Total invested assets, excluding trading securities associated with the company's Japan VA block, were $78.7 billion as of Dec. 31, 2013 compared with $105.3 billion at Dec.31, 2012, and declined principally due to the sales of the Individual Life and Retirement Plans businesses and the impact of higher interest rates on invested assets, which are recorded at fair market value.

Net unrealized gains on available-for-sale securities were $1.7 billion as of Dec. 31, 2013, down from $6.2 billion at Dec. 31, 2012, with $1.4 billion of the decrease resulting from the sales of the Individual Life and Retirement Plans businesses and the balance of the decrease primarily due to higher market interest rates as of Dec. 31, 2013.

The duration of the general account portfolio, excluding certain assets related to hedging the Japan VA block and the Individual Life and Retirement Plans businesses, was 5.3 years at Dec. 31, 2013, slightly lower than the duration of 5.4 years, at Dec. 31, 2012.

STOCKHOLDERS’ EQUITY

($ in millions)	As of
	Dec. 31 2013	Dec. 31 2012
Stockholders' equity	$18,905	$22,447
Stockholders' equity (ex. AOCI)¹	$18,984	$19,604
Book value per diluted share	$39.14	$45.80
Book value per diluted share (ex. AOCI)*	$39.30	$40.00

[1] Accumulated other comprehensive income (AOCI)

The Hartford’s stockholders’ equity was $18.9 billion as of Dec. 31, 2013, a decrease of $3.5 billion, or 16%, from $22.4 billion as of Dec. 31, 2012, principally due to the decrease in AOCI from $2.8 billion at Dec. 31, 2012 to $(0.1) billion at Dec. 31, 2013. In addition, shareholders' equity in 2013 was also reduced by share and warrant repurchases totaling $633 million and common and preferred dividends of $238 million, partially offset by net income of $176 million.

Book value per diluted common share was $39.14 as of Dec. 31, 2013, a decrease of 15% compared with $45.80 as of Dec. 31, 2012. Excluding AOCI, book value per diluted common share* decreased 2% to $39.30 as of Dec. 31, 2013, compared with $40.00 as of Dec. 31, 2012.

The company repurchased 6.5 millioncommon shares totaling $225 millionduringfourth quarter2013, bringing total repurchases to$633 millionduring 2013. These repurchases caused common shares outstanding and dilutive potential common shares at Dec. 31, 2013 to decrease to 483.0 million compared with 490.1 million, atDec. 31, 2012.

16

Under the newly announced capital management plan, the company has $2 billion of equity repurchase authorization for 2014 and 2015. As of Jan. 31, 2014, the company has repurchased equity totaling $118 million during 2014.

CONFERENCE CALL

The Hartford will discuss itsfourth quarterand full year 2013 financial results and 2014 outlook in a webcast on Tuesday, Feb. 4, 2014 at 9 a.m. EST. The webcast, along with a slide presentation, can be accessed live or as a replay through the investor relations section of The Hartford's website at http://ir.thehartford.com. The slide presentation will be posted on The Hartford’s website at approximately 8:30 a.m. EST on Feb. 4, 2014.

More detailed financial information can be found in The Hartford's Investor Financial Supplement for Dec. 31, 2013, which is available at http://ir.thehartford.com.

ABOUT THE HARTFORD

With more than 200 years of expertise, The Hartford (NYSE:HIG) is a leader in property and casualty insurance, group benefits and mutual funds. The company is widely recognized for its service excellence, sustainability practices, trust and integrity. More information on the company and its financial performance is available at www.thehartford.com.

From time to time, The Hartford may use its website to disseminate material company information. Financial and other important information regarding The Hartford is routinely accessible through and posted on our website at http://ir.thehartford.com. In addition, you may automatically receive email alerts and other information about The Hartford when you enroll your email address by visiting the “Email Alerts” section at http://ir.thehartford.com.

HIG-F

Media Contacts                    Investor Contacts

Shannon Lapierre                    Sabra Purtill, CFA

860-547-5624                        860-547-8691

shannon.lapierre@thehartford.com            sabra.purtill@thehartford.com

Thomas Hambrick                    Sean Rourke

860-547-9746                        860-547-5688

thomas.hambrick@thehartford.com            sean.rourke@thehartford.com

17

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATING INCOME STATEMENTS
($ in millions)
Three Months Ended Dec. 31, 2013
	Property & Casualty		Group Benefits		Mutual Funds			Talcott Resolution			Corporate			Consolidated
Earned premiums	$	2,498	$	821	$	—		$	25		$	—		$	3,344
Fee income	—		14		173			508			4			699
Net investment income (loss)
Securities available-for-sale and other	324		97		—			398			8			827
Equity securities, trading [1]	—		—		—			1,432			—			1,432
Total net investment income	324		97		—			1,830			8			2,259
Other revenues	73		—		—			—			1			74
Net realized capital gains (losses)	72		3		—			(366		)	2			(289		)
Total revenues	2,967		935		173			1,997			15			6,087
Benefits, losses, and loss adjustment expenses	1,658		607		—			394			—			2,659
Benefits, losses, and loss adjustment expenses – returns credited on international variable annuities [1]	—		—		—			1,432			—			1,432
Amortization of deferred policy acquisition costs	310		9		9			52			—			380
Insurance operating costs and other expenses	520		239		134			201			34			1,128
Interest expense	—		—		—			—			96			96
Restructuring and other costs	—		—		—			—			15			15
Total benefits and expenses	2,488		855		143			2,079			145			5,710
Income (loss) from continuing operations before income taxes	479		80		30			(82		)	(130		)	377
Income tax expense (benefit)	133		22		11			(69		)	(36		)	61
Income (loss) from continuing operations	346		58		19			(13		)	(94		)	316
Loss from discontinued operations, after-tax	—		—		—			(2		)	—			(2		)
Net income (loss)	346		58		19			(15		)	(94		)	314
Less: Unlock benefit, after-tax	—		—		—			47			—			47
Less: Restructuring and other costs, after-tax	—		—		—			—			(10		)	(10		)
Less: Loss from discontinued operations, after-tax	—		—		—			(2		)	—			(2		)
Less: Net realized capital gains (losses), after-tax and DAC, excluded from core earnings	46		3		(1		)	(233		)	8			(177		)
Core earnings (losses)	$	300	$	55	$	20		$	173		$	(92	)	$	456

[1] Includes dividend income and mark-to-market effects of trading securities supporting the international variable annuity business, which are classified

in net investment income with corresponding amounts credited to policyholders within benefits, losses and loss adjustment expenses.

18

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATING INCOME STATEMENTS
($ in millions)
Three Months Ended Dec. 31, 2012
	Property & Casualty			Group Benefits		Mutual Funds			Talcott Resolution			Corporate			Consolidated
Earned premiums	$	2,479		$	915	$	—		$	(6	)	$	—		$	3,388
Fee income	—			16		152			855			25			1,048
Net investment income (loss)
Securities available-for-sale and other	301			101		(1		)	611			26			1,038
Equity securities, trading [1]	—			—		—			2,630			—			2,630
Total net investment income (loss)	301			101		(1		)	3,241			26			3,668
Other revenues	73			—		—			—			1			74
Net realized capital gains	40			9		—			(611		)	84			(478		)
Total revenues	2,893			1,041		151			3,479			136			7,700
Benefits, losses, and loss adjustment expenses	2,004			717		—			600			—			3,321
Benefits, losses, and loss adjustment expenses – returns credited on international variable annuities [1]	—			—		—			2,630			—			2,630
Amortization of deferred policy acquisition costs	317			8		9			213			—			547
Insurance operating costs and other expenses	493			256		118			329			48			1,244
Interest expense	—			—		—			—			109			109
Restructuring and other costs	—			—		1			21			67			89
Total benefits and expenses	2,814			981		128			3,793			224			7,940
Income (loss) from continuing operations before income taxes	79			60		23			(314		)	(88		)	(240		)
Income tax expense (benefit)	(2		)	14		8			(166		)	(49		)	(195		)
Income (loss) from continuing operations	81			46		15			(148		)	(39		)	(45		)
Loss from discontinued operations, after-tax	(1		)	—		—			—			—			(1		)
Net income (loss)	80			46		15			(148		)	(39		)	(46		)
Less: Unlock benefit, after-tax	—			—		—			39			—			39
Less: Restructuring and other costs, after-tax	—			—		(1		)	(14		)	(43		)	(58		)
Less: Loss from discontinued operations, after-tax	(1		)	—		—			—			—			(1		)
Less: Net realized capital gains (losses) and other, after-tax and DAC, excluded from core earnings	27			7		—			(375		)	59			(282		)
Core earnings (losses)	$	54		$	39	$	16		$	202		$	(55	)	$	256

[1] Includes dividend income and mark-to-market effects of trading securities supporting the international variable annuity business, which are classified

in net investment income with corresponding amounts credited to policyholders within benefits, losses and loss adjustment expenses.

19

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATING INCOME STATEMENTS
($ in millions)
Year Ended Dec. 31, 2013
	Property & Casualty			Group Benefits		Mutual Funds			Talcott Resolution			Corporate			Consolidated
Earned premiums	$	9,864		$	3,273	$	—		$	89		$	—		$	13,226
Fee income	—			57		678			2,059			11			2,805
Net investment income (loss)
Securities available-for-sale and other	1,270			390		—			1,675			27			3,362
Equity securities, trading [1]	—			—		—			6,061			—			6,061
Total net investment income	1,270			390		—			7,736			27			9,423
Other revenues	274			—		—			—			1			275
Net realized capital gains (losses)	118			50		—			428			(89		)	507
Total revenues	11,526			3,770		678			10,312			(50		)	26,236
Benefits, losses, and loss adjustment expenses	6,813			2,518		—			1,617			—			10,948
Benefits, losses, and loss adjustment expenses – returns credited on international variable annuities [1]	—			—		—			6,060			—			6,060
Amortization of deferred policy acquisition costs	1,237			33		39			1,392			—			2,701
Insurance operating costs and other expenses	1,977			964		520			738			14			4,213
Loss on extinguishment of debt	—			—		—			—			213			213
Reinsurance loss on dispositions	—			—		—			1,505			69			1,574
Interest expense	—			—		—			—			397			397
Restructuring and other costs	1			—		1			1			64			67
Total benefits and expenses	10,028			3,515		560			11,313			757			26,173
Income (loss) from continuing operations before income taxes	1,498			255		118			(1,001		)	(807		)	63
Income tax expense (benefit)	400			63		42			(500		)	(252		)	(247		)
Income (loss) from continuing operations	1,098			192		76			(501		)	(555		)	310
Loss from discontinued operations, after-tax	(1		)	—		—			(133		)	—			(134		)
Net income (loss)	1,097			192		76			(634		)	(555		)	176
Less: Unlock charge, after-tax	—			—		—			(525		)	—			(525		)
Less: Restructuring and other costs, after-tax	(1		)	—		(1		)	(1		)	(41		)	(44		)
Less: Loss from discontinued operations, after-tax	(1		)	—		—			(133		)	—			(134		)
Less: Loss on extinguishment of debt, after-tax	—			—		—			—			(138		)	(138		)
Less: Net gain (loss) on dispositions, after-tax	—			—		—			45			(69		)	(24		)
Less: Net realized capital gains (losses), after-tax and DAC, excluded from core earnings	78			34		(1		)	(755		)	(57		)	(701		)
Core earnings (losses)	$	1,021		$	158	$	78		$	735		$	(250	)	$	1,742

[1] Includes dividend income and mark-to-market effects of trading securities supporting the international variable annuity business, which are classified

in net investment income with corresponding amounts credited to policyholders within benefits, losses and loss adjustment expenses.

20

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATING INCOME STATEMENTS
($ in millions)
Year Ended Dec. 31, 2012
	Property & Casualty			Group Benefits		Mutual Funds			Talcott Resolution			Corporate			Consolidated
Earned premiums	$	9,893		$	3,748	$	—		$	(10	)	$	—		$	13,631
Fee income	—			62		599			3,558			167			4,386
Net investment income (loss)
Securities available-for-sale and other	1,232			405		(3		)	2,562			31			4,227
Equity securities, trading [1]	—			—		—			4,364			—			4,364
Total net investment income	1,232			405		(3		)	6,926			31			8,591
Other revenues	257			—		—			—			1			258
Net realized capital gains (losses)	96			40		—			(1,005		)	125			(744		)
Total revenues	11,478			4,255		596			9,469			324			26,122
Benefits, losses, and loss adjustment expenses	7,270			3,029		—			2,949			—			13,248
Benefits, losses, and loss adjustment expenses – returns credited on international variable annuities [1]	—			—		—			4,363			—			4,363
Amortization of deferred policy acquisition costs	1,259			33		35			661			—			1,988
Insurance operating costs and other expenses	1,930			1,032		449			1,350			244			5,005
Loss on extinguishment of debt	—			—		—			—			910			910
Reinsurance loss on dispositions	—			—		—			415			118			533
Interest expense	—			—		—			—			457			457
Restructuring and other costs	6			1		3			68			121			199
Total benefits and expenses	10,465			4,095		487			9,806			1,850			26,703
Income (loss) from continuing operations before income taxes	1,013			160		109			(337		)	(1,526		)	(581		)
Income tax expense (benefit)	238			31		38			(271		)	(517		)	(481		)
Income (loss) from continuing operations	775			129		71			(66		)	(1,009		)	(100		)
Income (loss) from discontinued operations, after-tax	(5		)	—		—			67			—			62
Net income (loss)	770			129		71			1			(1,009		)	(38		)
Less: Unlock benefit, after-tax	—			—		—			28			—			28
Less: Restructuring and other costs, after-tax	(4		)	—		(3		)	(44		)	(78		)	(129		)
Less: Income (loss) from discontinued operations, after-tax	(5		)	—		—			67			—			62
Less: Loss on extinguishment of debt, after-tax	—			—		—			—			(587		)	(587		)
Less: Net loss on dispositions, after-tax	—			—		—			(270		)	(118		)	(388		)
Less: Net realized capital gains (losses), after-tax and DAC, excluded from core earnings	65			28		—			(590		)	87			(410		)
Core earnings (losses)	$	714		$	101	$	74		$	810		$	(313	)	$	1,386

[1] Includes dividend income and mark-to-market effects of trading securities supporting the international variable annuity business, which are classified

in net investment income with corresponding amounts credited to policyholders within benefits, losses and loss adjustment expenses.

21

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
RESULTS BY SEGMENT
($ in millions, except per share data)
	Three Months Ended							Years Ended
	Dec. 31 2013			Dec. 31 2012			Change	Dec. 31 2013			Dec. 31 2012			Change
Core earnings (losses):
P&C Commercial	$	229		$	26		NM	$	827		$	511		62%
Consumer Markets	49			11			NM	205			159			29%
P&C Other Operations	22			17			29%	(11		)	44			NM
Property & Casualty Combined	300			54			NM	1,021			714			43%
Group Benefits	55			39			41%	158			101			56%
Mutual Funds	20			16			25%	78			74			5%
Sub-total	375			109			NM	1,257			889			41%
Talcott Resolution	173			202			(14)%	735			810			(9)%
Corporate	(92		)	(55		)	67%	(250		)	(313		)	(20)%
CONSOLIDATED CORE EARNINGS	456			256			78%	1,742			1,386			26%
Add: Unlock benefit (charge), after-tax	47			39			21%	(525		)	28			NM
Add: Restructuring and other costs, after-tax	(10		)	(58		)	(83)%	(44		)	(129		)	(66)%
Add: Income (loss) from discontinued operations, after-tax	(2		)	(1		)	100%	(134		)	62			NM
Add: Loss on extinguishment of debt, after-tax	—			—			NM	(138		)	(587		)	(76)%
Add: Net reinsurance loss on dispositions, after-tax	—			—			NM	(24		)	(388		)	(94)%
Add: Net realized capital losses, after-tax and DAC, excluded from core earnings	(177		)	(282		)	(37)%	(701		)	(410		)	71%
Net income (loss)	$	314		$	(46	)	NM	$	176		$	(38	)	NM
PER SHARE DATA
Diluted earnings (losses) per common share
Core earnings available to common shareholders and assumed conversion of preferred shares	$	0.94		$	0.52		81%	$	3.55		$	2.85		25%
Less: Difference arising from shares used for the denominator between net loss and core earnings	—			—			NM	—			—			NM
Add: Unlock benefit (charge), after-tax	0.10			0.08			25%	(1.08		)	0.06			NM
Add: Restructuring and other costs, after-tax	(0.02		)	(0.12		)	(83)%	(0.09		)	(0.28		)	(68)%
Add: Income (loss) from discontinued operations, after-tax	—			—			NM	(0.28		)	0.14			NM
Add: Loss on extinguishment of debt, after-tax	—			—			NM	(0.28		)	(1.26		)	(78)%
Add: Net reinsurance loss on dispositions, after-tax	—			—			NM	(0.05		)	(0.83		)	(94)%
Add: Net realized capital losses, after-tax and DAC, excluded from core earnings	(0.37		)	(0.61		)	(39)%	(1.46		)	(0.89		)	64%
Less: Assumed conversion of preferred dividends	—			—			NM	(0.03		)	(0.03		)	—%
Net income (loss) available to common shareholders	$	0.65		$	(0.13	)	NM	$	0.34		$	(0.18	)	NM

NM: The Hartford defines increases or decreases greater than or equal to 200% or changes from a net

gain to a net loss position, or vice versa, as “NM” or “not meaningful.”

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DISCUSSION OF NON-GAAP FINANCIAL MEASURES

The Hartford uses non-GAAP financial measures in this press release to assist investors in analyzing the company's operating performance for the periods presented herein. Because The Hartford's calculation of these measures may differ from similar measures used by other companies, investors should be careful when comparing The Hartford's non-GAAP financial measures to those of other companies. Definitions and calculations of other financial measures used in this press release can be found below and in The Hartford's Investor Financial Supplement for fourth quarter2013, which is available on The Hartford's website, http://ir.thehartford.com.

Book valueper diluted common share excluding accumulated other comprehensive income ("AOCI”): Book value per diluted common share excluding AOCI is a non-GAAP financial measure based on a GAAP financial measure. It is calculated by dividing (a) common stockholders' equity excluding AOCI, after-tax, by (b)common shares outstanding and dilutive potential common shares. The Hartford provides book value per diluted common share excluding AOCI to enable investors to analyze the company’s stockholders’ equity excluding the effect of changes in the value of the company’s investment portfolio and other assets due to interest rates, currency and other factors. The Hartford believesbook value per diluted common share excluding AOCI is useful to investors because it eliminates the effect of items that can fluctuate significantly from period to period, primarily based on changes in market value. Book value per diluted common share is the most directly comparable GAAP measure. A reconciliation of book value per diluted common share, including AOCI to book value per diluted common share, excluding AOCI is set forth below.

	As of
	Dec. 31 2013	Dec. 31 2012	Change
Book value per diluted common share, including AOCI	$39.14	$45.80	(15)%
Less: Per diluted share impact of AOCI	$(0.16)	$5.80	NM
Book value per diluted common share, excluding AOCI	$39.30	$40.00	(2)%

Combined ratio before catastrophes and prior year development: Combined ratio before catastrophes and prior year development (PYD) is a non-GAAP financial measure. Combined ratio is the most directly comparable GAAP measure. The combined ratio is the sum of the loss and loss adjustment expense ratio, the expense ratio and the policyholder dividend ratio. This ratio measures the cost of losses and expenses for every $100 of earned premiums. A combined ratio below 100 demonstrates a positive underwriting result. A combined ratio above 100 indicates a negative underwriting result. The combined ratio before catastrophes and PYD represents the combined ratio for the current accident year, excluding the impact of current accident year catastrophes. The company believes this ratio is an important measure of the trend in profitability since it removes the impact of volatile and unpredictable catastrophe losses and prior accident year loss and loss adjustment expense reserve. A reconciliation of the combined ratio to the combined ratio before catastrophes and PYD is provided in the table below.

23

	Three Months Ended		Years Ended
	Dec. 31 2013	Dec. 31 2012	Dec. 31 2013	Dec. 31 2012
P&C Commercial
Combined ratio	93.7	112.3	96.1	102.9
Catastrophe ratio	0.3	13.4	1.3	4.6
Non-catastrophe PYD	1.0	1.1	1.7	1.7
Combined ratio, excl. catastrophes and PYD	92.5	97.8	93.0	96.6
Consumer Markets
Combined ratio	95.8	102.3	95.2	97.4
Catastrophe ratio	2.0	13.8	4.6	9.7
Non-catastrophe PYD	0.2	(1.5)	—	(3.1)
Combined ratio, excl. catastrophes and PYD	93.6	90.0	90.6	90.8

Core Earnings: The Hartford uses thenon-GAAP measure core earnings as an important measure of the company’s operating performance. The Hartford believes that the measure core earnings provides investors with a valuable measure of the performance of the company’s ongoing businesses because it reveals trends in our insurance and financial services businesses that may be obscured by including the net effect of certain realized capital gains and losses, discontinued operations, loss on extinguishment of debt, gains and losses on business disposition transactions, certain restructuring charges and the impact of Unlocks to deferred policy acquisition costs ("DAC"), sales inducement assets ("SIA"), unearned revenue reserves ("URR") and death and other insurance benefit reserve balances. Some realized capital gains and losses are primarily driven by investment decisions and external economic developments, the nature and timing of which are unrelated to the insurance and underwriting aspects of our business.

Accordingly, core earnings excludes the effect of all realized gains and losses (net of tax and the effects of DAC) that tend to be highly variable from period to period based on capital market conditions. The Hartford believes, however, that some realized capital gains and losses are integrally related to our insurance operations, so core earnings includes net realized gains and losses such as net periodic settlements on credit derivatives and net periodic settlements on the Japan fixed annuity cross-currency swap. These net realized gains and losses are directly related to an offsetting item included in the income statement such as net investment income. Net income (loss) is the most directly comparable U.S. GAAP measure. Core earnings should not be considered as a substitute for net income (loss) and does not reflect the overall profitability of the company’s business. Therefore, the Hartford believes that it is useful for investors to evaluate both net income (loss) and core earnings when reviewing the company’s performance.

A reconciliation of core earnings to net income (loss) for the quarterly and annual periods ended Dec. 31, 2013 and 2012, is included in this press release. A reconciliation of core earnings to net income (loss) for individual reporting segments can be found in this press release under the heading "The Hartford Financial Services Group, Inc. Consolidating Income Statements" and in The Hartford's Investor Financial Supplement for the quarter ended Dec. 31, 2013.

24

Core earnings available to common shareholders per diluted share: Core earnings available to common shareholders per diluted share is calculated based on the non-GAAP financial measure core earnings. It is calculated by dividing (a) core earnings, by (b) diluted common shares outstanding. The Hartford believes that the measure core earnings available to common shareholders per diluted share provides investors with a valuable measure of the company's operating performance for the same reasons applicable to its underlying measure, core earnings. Net income (loss) per diluted common share is the most directly comparable GAAP measure. Core earnings available to common shareholders per diluted share should not be considered as a substitute for net income (loss) per diluted share and does not reflect the overall profitability of the company's business.

Therefore, The Hartford believes that it is useful for investors to evaluate both net income (loss)per diluted share and core earnings available to common shareholders per diluted share when reviewing the company's performance. A reconciliation of core earnings available to common shareholders per diluted share to net income (loss) per diluted common share for thequarterly and annual periods ended Dec. 31, 2013 and 2012 is included in this press release under the heading “The Hartford Financial Services Group, Inc. Results By Segment.”

Underwriting gain (loss): The Hartford's management evaluates profitability of the P&C Commercial and Consumer Markets segments primarily on the basis of underwriting gain or loss. Underwriting gain (loss) is a before-tax measure that represents earned premiums less incurred losses, loss adjustment expenses and underwriting expenses. Net income (loss) is the most directly comparable GAAP measure. Underwriting gain (loss) is influenced significantly by earned premium growth and the adequacy of The Hartford's pricing. Underwriting profitability over time is also greatly influenced by The Hartford's underwriting discipline, as management strives to manage exposure to loss through favorable risk selection and diversification, effective management of claims, use of reinsurance and its ability to manage its expenses. The Hartford believes that the measure underwriting gain (loss) provides investors with a valuable measure of profitability, before tax, derived from underwriting activities, which are managed separately from the company's investing activities. A reconciliation of underwriting results to net income for thequarterly periods ended 2013 and 2012,is set forth below.

25

	Three Months Ended		Years Ended
	Dec. 31 2013	Dec. 31 2012	Dec. 31 2013	Dec. 31 2012
P&C Commercial
Net income	$251	$45	$870	$547
Less: Income (loss) from discontinued operations	—	(1)	(1)	(5)
Less: Net realized capital gains (losses)	37	30	72	67
Add: Income tax expense	96	(9)	320	159
Less: Net servicing income	3	4	21	17
Less: Other income	(43)	(32)	(130)	(115)
Less: Net investment income	252	228	984	924
Underwriting gain	$98	$(193)	$244	$(182)
Consumer Markets
Net income	$69	$14	$229	$166
Less: Net realized capital gains	29	5	34	12
Add: Income tax expense	30	1	100	65
Less: Net servicing income	14	11	34	23
Less: Other income	(19)	(17)	(61)	(56)
Less: Net investment income	36	37	145	159
Underwriting gain	$39	$(21)	$177	$93

SAFE HARBOR STATEMENT

Some of the statements in this release should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as “anticipates,”“intends,”“plans,”“seeks,”“believes,”“estimates,”“expects,”“projects” and similar references to the future. Examples of forward-looking statements include, but are not limited to, statements the company makes regarding future results of operations. The Hartford cautions investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should consider the important risks and uncertainties that may cause actual results to differ. These important risks and uncertainties include: challenges related to the company's current operating environment, including continuing uncertainty about the strength and speed of the recovery in the United States and other key economies and the impact of any governmental stimulus or austerity initiatives, sovereign credit concerns, a sustained low interest rate environment, higher tax rates, and other potentially adverse developments on financial, commodity and credit markets and consumer and business spending and investment and the effect of these events on our returns in investment portfolios and our hedging costs associated with our variable annuities business; the risks, challenges and uncertainties associated with the strategic realignment of our business to focus on our property and casualty, group benefits and mutual fund businesses, place our Individual Annuity business into run-off and the sales of the Individual Life and Retirement Plans businesses; the risks, challenges and uncertainties associated with our capital management plan, expense reduction initiatives and other actions, which may include acquisitions, divestitures or restructurings; execution risk related to the continued reinvestment of our investment portfolios and refinement of our hedge program for

26

our run-off annuity block; market risks associated with our business, including changes in interest rates, credit spreads, equity prices, market volatility and foreign exchange rates, and implied volatility levels, as well as continuing uncertainty in key sectors such as the global real estate market; the possibility of unfavorable loss development including with respect to long-tailed exposures; the possibility of a pandemic, earthquake, or other natural or man-made disaster that may adversely affect our businesses; weather and other natural physical events, including the severity and frequency of storms, hail, winter storms, hurricanes and tropical storms, as well as climate change and its potential impact on weather patterns; risk associated with the use of analytical models in making decisions in key areas such as underwriting, capital, hedging, reserving, and catastrophe risk management; the uncertain effects of emerging claim and coverage issues; the company's ability to effectively price its property and casualty policies, including its ability to obtain regulatory consents to pricing actions or to non-renewal or withdrawal of certain product lines; the impact on our statutory capital of various factors, including many that are outside the company's control, which can in turn affect our credit and financial strength ratings, cost of capital, regulatory compliance and other aspects of our business and results; risks to our business, financial position, prospects and results associated with negative rating actions or downgrades in the company's financial strength and credit ratings or negative rating actions or downgrades relating to our investments; the impact on our investment portfolio if our investment portfolio is concentrated in any particular segment of the economy; volatility in our statutory and U.S. GAAP earnings and potential material changes to our results resulting from our adjustment of our risk management program to emphasize protection of economic value; the potential for differing interpretations of the methodologies, estimations and assumptions that underlie the valuation of the company's financial instruments that could result in changes to investment valuations; the subjective determinations that underlie the company's evaluation of other-than-temporary impairments on available-for-sale securities; losses due to nonperformance or defaults by others; the potential for further acceleration of deferred policy acquisition cost amortization; the potential for further impairments of our goodwill or the potential for changes in valuation allowances against deferred tax assets; the possible occurrence of terrorist attacks and the company's ability to contain its exposure, including the effect of the absence or insufficiency of applicable terrorism legislation on coverage; the difficulty in predicting the company's potential exposure for asbestos and environmental claims; the response of reinsurance companies under reinsurance contracts and the availability, pricing and adequacy of reinsurance to protect the company against losses; actions by our competitors, many of which are larger or have greater financial resources than we do; the company's ability to distribute its products through distribution channels, both current and future; the cost and other effects of increased regulation as a result of the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, which, among other effects, vests a Financial Stability Oversight Council with the power to designate “systemically important” institutions, requires central clearing of, and/or imposes margin and capital requirements on, derivatives transactions, and created a new “Federal Insurance Office” within the U.S. Department of the Treasury; unfavorable judicial or legislative developments; the potential effect of other domestic and foreign regulatory developments, including those that could adversely impact the demand for the company's products, operating costs and required capital levels; regulatory limitations on the ability of the company and certain of its subsidiaries to declare and pay dividends; the company's ability to maintain the availability of its systems and safeguard the security of its data in the event of a disaster, cyber or other information security incident or other unanticipated event; the risk that our framework for managing operational risks may not be effective in mitigating material risk and loss to the company; the potential for difficulties arising from outsourcing and similar third-party relationships; the impact of changes in federal or state tax laws; regulatory requirements that could delay, deter or prevent a takeover attempt that shareholders might consider in their best interests; the impact of potential changes in accounting principles and related financial reporting requirements; the company's ability to

27

protect its intellectual property and defend against claims of infringement; and other factors described in such forward-looking statements or in The Hartford's 2012 Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Form 10-Q/A and other filings The Hartford makes with the Securities and Exchange Commission.

Any forward-looking statement made by the company in this release speaks only as of the date of this release. Factors or events that could cause the company's actual results to differ may emerge from time to time, and it is not possible for the company to predict all of them. The company undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise.

28

EX-99.2

INVESTOR FINANCIAL SUPPLEMENT

December 31, 2013

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

	As of January 30, 2014
Address:
One Hartford Plaza		A.M. Best	Fitch	Standard & Poor’s	Moody’s
Hartford, CT 06155	Insurance Financial Strength Ratings:
	Hartford Fire Insurance Company	A	A+	A	A2
	Hartford Life Insurance Company	A-	A-	BBB+	A3
Internet address:	Hartford Life and Accident Insurance Company	A-	A-	A-	A3
http://www.thehartford.com	Hartford Life and Annuity Insurance Company	A-	A-	BBB+	Baa2
	Other Ratings:
	The Hartford Financial Services Group, Inc.:
Contacts:	Senior debt	bbb+	BBB	BBB	Baa3
Sabra Purtill	Commercial paper	AMB-2	F2	A-2	P-3
Senior Vice President
Investor Relations
Phone (860) 547-8691
Sean Rourke	TRANSFER AGENT
Assistant Vice President	Shareholder correspondence should be mailed to:	Overnight correspondence should be mailed to:
Investor Relations	Computershare	Computershare
Phone (860) 547-5688	P.O. Box 30170	211 Quality Circle, Suite 210
	College Station, TX 77842-3170	College Station, TX 77845
	Phone (877) 272-7740

COMMON STOCK

Common stock and warrants of The Hartford Financial Services Group, Inc. are traded on the New York Stock Exchange under the symbols “HIG” and "HIG/WS", respectively.

This report is for information purposes only. It should be read in conjunction with documents filed by The Hartford Financial Services Group, Inc. with the U.S. Securities and Exchange Commission, including, without limitation, the most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q and Form 10-Q/A.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

INVESTOR FINANCIAL SUPPLEMENT

TABLE OF CONTENTS

CONSOLIDATED	Consolidated Financial Results	1
	Operating Results by Segment	2
	Consolidated Statements of Operations	3
	Consolidating Balance Sheets	4
	Capital Structure	5
	Statutory Capital and Surplus to GAAP Stockholders’ Equity Reconciliation	6
	Accumulated Other Comprehensive Income (Loss)	7
	Deferred Policy Acquisition Costs and Present Value of Future Profits	8
PROPERTY & CASUALTY	Property & Casualty Combined Unpaid Loss and Loss Adjustment Expense Reserve Rollforward	9
	Property & Casualty Combined Income Statements	10
	Property & Casualty Combined Underwriting Ratios	11
	P&C Commercial Underwriting Results	12
	P&C Commercial Underwriting Ratios	13
	P&C Commercial Supplemental Data	14
	Consumer Markets Underwriting Results	15
	Consumer Markets Underwriting Ratios	16
	Consumer Markets Supplemental Data	17
	P&C Other Operations Underwriting Results	18
GROUP BENEFITS	Income Statements	19
	Supplemental Data	20
MUTUAL FUNDS	Income Statements	21
	Asset Value Rollforward - Assets Under Management By Distribution Channel	22
	Asset Value Rollforward - Assets Under Management By Asset Class	23
TALCOTT RESOLUTION	Financial Highlights	24
	Supplemental Data	25
	U.S. Annuity Account Value Rollforward	26
	Japan Annuity Account Value Rollforward	27
	Annuity Death and Living Benefits	28
	Variable Annuity Guaranteed Benefits	29
CORPORATE	Income Statements	30
INVESTMENTS	Investment Earnings Before Tax - Consolidated	31
	Investment Earnings Before Tax - Property & Casualty	32
	Net Investment Income by Segment	33
	Components of Net Realized Capital Gains (Losses)	34
	Composition of Invested Assets	35
	Invested Asset Exposures	36
APPENDIX	Basis of Presentation and Definitions	37
	Discussion of Non-GAAP and Other Financial Measures	37

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSOLIDATED FINANCIAL RESULTS

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
HIGHLIGHTS
Net income (loss)	$	314		$	293		$	(190	)	$	(241	)	$	(46	)	$	13		$	(101	)	$	96		$	176		$	(38	)
Core earnings	$	456		$	505		$	324		$	457		$	256		$	433		$	274		$	423		$	1,742		$	1,386
Total revenues	$	6,087		$	5,641		$	5,465		$	9,043		$	7,700		$	6,332		$	4,565		$	7,525		$	26,236		$	26,122
Total assets	$	277,884		$	283,947		$	294,833		$	297,021		$	298,513		$	308,721		$	303,977		$	310,548
PER SHARE AND SHARES DATA
Basic earnings (losses) per common share
Net income (loss) available to common shareholders	$	0.70		$	0.65		$	(0.42	)	$	(0.58	)	$	(0.13	)	$	0.01		$	(0.26	)	$	0.20		$	0.37		$	(0.18	)
Core earnings available to common shareholders	$	1.01		$	1.12		$	0.72		$	1.02		$	0.56		$	0.97		$	0.60		$	0.94		$	3.87		$	3.07
Diluted earnings (losses) per common share [1]
Net income (loss) available to common shareholders [2]	$	0.65		$	0.60		$	(0.42	)	$	(0.58	)	$	(0.13	)	$	0.01		$	(0.26	)	$	0.18		$	0.34		$	(0.18	)
Core earnings available to common shareholders	$	0.94		$	1.03		$	0.66		$	0.93		$	0.52		$	0.90		$	0.56		$	0.86		$	3.55		$	2.85
Weighted average common shares outstanding (basic)	451.1			452.1			451.4			436.3			436.2			435.8			438.2			440.7			447.7			437.7
Dilutive effect of stock compensation	5.1			4.6			4.2			3.9			3.0			2.1			1.5			1.9			4.5			2.2
Dilutive effect of warrants	29.9			33.9			33.4			31.7			28.7			23.8			25.1			26.4			32.2			26.0
Weighted average common shares outstanding and dilutive potential common shares (diluted), before assumed conversion of preferred shares	486.1			490.6			489.0			471.9			467.9			461.7			464.8			469.0			484.4			465.9
Dilutive effect of assumed conversion of preferred shares [2] [3]	—			—			—			21.2			21.0			21.0			21.0			20.9			6.2			20.9
Weighted average common shares outstanding and dilutive potential common shares (diluted) and assumed conversion of preferred shares	486.1			490.6			489.0			493.1			488.9			482.7			485.8			489.9			490.6			486.8
Common shares outstanding	453.3			448.5			453.9			435.3			436.3			436.1			435.6			440.9			453.3			436.3
Book value per common share	$	41.71		$	42.20		$	41.89		$	46.78		$	50.17		$	51.42		$	49.14		$	46.99
Per common share impact of accumulated other comprehensive income [4]	$	(0.17	)	$	(0.04	)	$	0.16		$	3.79		$	6.51		$	7.55		$	5.18		$	3.01
Book value per common share (excluding AOCI)	$	41.88		$	42.24		$	41.73		$	42.99		$	43.66		$	43.87		$	43.96		$	43.98
Book value per diluted share	$	39.14		$	38.87		$	38.59		$	42.43		$	45.80		$	47.34		$	45.59		$	43.25
Per diluted share impact of AOCI	$	(0.16	)	$	(0.04	)	$	0.15		$	3.34		$	5.80		$	6.79		$	4.68		$	2.70
Book value per diluted share (excluding AOCI)	$	39.30		$	38.91		$	38.44		$	39.09		$	40.00		$	40.55		$	40.91		$	40.55
Common shares outstanding and dilutive potential common shares	483.0			486.9			492.7			493.0			490.1			485.5			481.7			491.9
FINANCIAL RATIOS
ROE (net income (loss) last 12 months to common stockholder equity including AOCI)	0.9		%	(0.9		)%	(2.3		)%	(1.8		)%	(0.2		)%	0.6		%	0.8		%	1.5		%
ROE (core earnings last 12 months to common stockholder equity excluding AOCI)	9.0		%	8.0		%	7.6		%	7.2		%	7.0		%	7.1		%	6.3		%	5.0		%
Debt to capitalization, including AOCI	25.7		%	25.0		%	25.8		%	23.2		%	24.1		%	23.7		%	24.5		%	22.6		%
Annualized investment yield, after-tax	3.0		%	2.9		%	3.1		%	3.0		%	2.9		%	2.9		%	3.1		%	3.0		%	3.0		%	3.0		%

[1] As a result of anti-dilutive impact, in periods of a loss, weighted average common shares outstanding (basic) are used in the calculation of diluted earnings per share.

[2] The impact of applying the "if-converted" method to the The Hartford's mandatory convertible preferred stock was anti-dilutive to net income available to common shareholders for the three months ended September 30, 2012 and therefore these shares were excluded from the calculation.

[3] In April 2013, The Hartford's mandatory convertible preferred stock converted to 21.2 million shares of common stock.

[4] Accumulated other comprehensive income ("AOCI") represents after-tax unrealized gain (loss) on available-for-sale securities, other than temporary impairment losses recognized in AOCI, net gain (loss) on cash-flow hedging instruments, foreign currency translation adjustments and pension and other postretirement adjustments.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

OPERATING RESULTS BY SEGMENT

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Core earnings (losses):
P&C Commercial	$	229		$	176		$	198		$	224		$	26		$	161		$	162		$	162		$	827		$	511
Consumer Markets	49			68			15			73			11			93			(47		)	102			205			159
P&C Other Operations	22			19			(73		)	21			17			21			(14		)	20			(11		)	44
Property & Casualty Combined	$	300		$	263		$	140		$	318		$	54		$	275		$	101		$	284		$	1,021		$	714
Group Benefits	55			36			37			30			39			23			34			5			158			101
Mutual Funds	20			18			20			20			16			19			19			20			78			74
Sub-total	375			317			197			368			109			317			154			309			1,257			889
Talcott Resolution	173			204			196			162			202			192			200			216			735			810
Corporate	(92		)	(16		)	(69		)	(73		)	(55		)	(76		)	(80		)	(102		)	(250		)	(313		)
CONSOLIDATED CORE EARNINGS	$	456		$	505		$	324		$	457		$	256		$	433		$	274		$	423		$	1,742		$	1,386
Add: Unlock benefit (charge), after-tax [1] [2]	$	47		$	(67	)	$	36		$	(541	)	$	39		$	(79	)	$	(146	)	$	214		$	(525	)	$	28
Add: Restructuring and other costs, after-tax	(10		)	(10		)	(12		)	(12		)	(58		)	(34		)	(31		)	(6		)	(44		)	(129		)
Add: Income (loss) from discontinued operations, after-tax	(2		)	(5		)	(126		)	(1		)	(1		)	20			7			36			(134		)	62
Add: Loss on extinguishment of debt, after-tax	—			—			—			(138		)	—			—			(587		)	—			(138		)	(587		)
Add: Net reinsurance gain (loss) on dispositions, after-tax	—			—			1			(25		)	—			(388		)	—			—			(24		)	(388		)
Add: Net realized capital gains (losses), after-tax and DAC, excluded from core earnings	(177		)	(130		)	(413		)	19			(282		)	61			382			(571		)	(701		)	(410		)
Net income (loss)	$	314		$	293		$	(190	)	$	(241	)	$	(46	)	$	13		$	(101	)	$	96		$	176		$	(38	)
PER SHARE DATA
Diluted earnings (losses) per common share:
Core earnings available to common shareholders	$	0.94		$	1.03		$	0.66		$	0.93		$	0.52		$	0.90		$	0.56		$	0.86		$	3.55		$	2.85
Net income (loss) available to common shareholders	$	0.65		$	0.60		$	(0.42	)	$	(0.58	)	$	(0.13	)	$	0.01		$	(0.26	)	$	0.18		$	0.34		$	(0.18	)

[1]The Unlock benefit (charge) recorded in the periods presented affected each income statement line item as follows:

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Earned premiums	$	(2	)	$	—		$	(1	)	$	(1	)	$	(5	)	$	(3	)	$	1		$	—		$	(4	)	$	(7	)
Fee income	1			12			1			2			7			14			7			(2		)	16			26
Benefits, losses and loss adjustment expenses	(71		)	(54		)	(72		)	(71		)	(160		)	56			143			(208		)	(268		)	(169		)
Amortization of DAC	(5		)	170			17			904			100			79			89			(124		)	1,086			144
Income tax expense (benefit)	28			(37		)	19			(291		)	23			(45		)	(78		)	116			(281		)	16
Unlock benefit (charge), after-tax [2]	$	47		$	(67	)	$	36		$	(541	)	$	39		$	(79	)	$	(146	)	$	214		$	(525	)	$	28

[2] The Unlock charge for the three months ended March 31, 2013 relates primarily to costs associated with expanding the Japan variable annuity hedging program in the Talcott Resolution - International Annuity segment

resulting in the elimination of estimated future gross profits on the Japan annuity block.    

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSOLIDATED STATEMENTS OF OPERATIONS

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Earned premiums	$	3,344		$	3,337		$	3,293		$	3,252		$	3,388		$	3,401		$	3,400		$	3,442		$	13,226		$	13,631
Fee income	699			708			699			699			1,048			1,109			1,105			1,124			2,805			4,386
Net investment income (loss):
Securities available-for-sale and other	827			812			867			856			1,038			1,028			1,094			1,067			3,362			4,227
Equity securities, trading [1]	1,432			878			1,189			2,562			2,630			635			(1,662		)	2,761			6,061			4,364
Total net investment income (loss)	2,259			1,690			2,056			3,418			3,668			1,663			(568		)	3,828			9,423			8,591
Realized capital gains (losses):
Total other-than-temporary impairment (“OTTI”) losses [2]	(15		)	(28		)	(17		)	(33		)	(188		)	(59		)	(106		)	(36		)	(93		)	(389		)
OTTI losses recognized in other comprehensive income	1			2			5			12			3			22			8			7			20			40
Net OTTI losses recognized in earnings	(14		)	(26		)	(12		)	(21		)	(185		)	(37		)	(98		)	(29		)	(73		)	(349		)
Net realized capital gains on business dispositions [3]	—			—			1			1,574			—			—			—			—			1,575			—
Other net realized capital gains (losses)	(275		)	(136		)	(637		)	53			(293		)	132			665			(899		)	(995		)	(395		)
Total net realized capital gains (losses)	(289		)	(162		)	(648		)	1,606			(478		)	95			567			(928		)	507			(744		)
Other revenues	74			68			65			68			74			64			61			59			275			258
Total revenues	6,087			5,641			5,465			9,043			7,700			6,332			4,565			7,525			26,236			26,122
Benefits, losses and loss adjustment expenses	2,659			2,739			2,886			2,664			3,321			3,270			3,620			3,037			10,948			13,248
Benefits, losses and loss adjustment expenses—returns credited on international variable annuities [1]	1,432			878			1,188			2,562			2,630			635			(1,661		)	2,759			6,060			4,363
Amortization of DAC	380			594			391			1,336			547			566			554			321			2,701			1,988
Insurance operating costs and other expenses	1,143			993			1,120			1,024			1,333			1,267			1,301			1,303			4,280			5,204
Loss on extinguishment of debt	—			—			—			213			—			—			910			—			213			910
Reinsurance loss on dispositions [3]	—			—			—			1,574			—			533			—			—			1,574			533
Interest expense	96			94			100			107			109			109			115			124			397			457
Total benefits and expenses	5,710			5,298			5,685			9,480			7,940			6,380			4,839			7,544			26,173			26,703
Income (loss) from continuing operations before income taxes	377			343			(220		)	(437		)	(240		)	(48		)	(274		)	(19		)	63			(581		)
Income tax expense (benefit)	61			45			(156		)	(197		)	(195		)	(41		)	(166		)	(79		)	(247		)	(481		)
Income (loss) from continuing operations, after-tax	316			298			(64		)	(240		)	(45		)	(7		)	(108		)	60			310			(100		)
Income (loss) from discontinued operations, after-tax [4]	(2		)	(5		)	(126		)	(1		)	(1		)	20			7			36			(134		)	62
Net income (loss)	$	314		$	293		$	(190	)	$	(241	)	$	(46	)	$	13		$	(101	)	$	96		$	176		$	(38	)

[1] Includes investment income and mark-to-market effects of equity securities, trading, supporting the international variable annuity business, which are classified in net investment income with corresponding amounts credited to policyholders within benefits, losses and loss adjustment expenses.

[2] Includes $177 of intent-to-sell impairment losses relating to the sales of the Retirement Plans and Individual Life businesses for the three months ended December 31, 2012.

[3] All amounts pertain to the sales of the Retirement Plans and Individual Life businesses.

[4] For further information related to the discontinued operations of the U.K. variable annuity business, refer to Talcott Resolution Financial Highlights and the Appendix - Basis of Presentation on pages 24 and 37, respectively.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSOLIDATING BALANCE SHEETS

	LIFE [1]				PROPERTY & CASUALTY [1]				CORPORATE [1]						CONSOLIDATED
	Dec. 31 2013		Dec. 31 2012		Dec. 31 2013		Dec. 31 2012		Dec. 31 2013			Dec. 31 2012			Dec. 31 2013			Dec. 31 2012
Investments
Fixed maturities, available-for-sale, at fair value	$	36,608	$	58,889	$	24,684	$	26,491	$	1,065		$	542		$	62,357		$	85,922
Fixed maturities, at fair value using the fair value option	824		1,075		20		12		—			—			844			1,087
Equity securities, trading, at fair value	19,745		28,933		—		—		—			—			19,745			28,933
Equity securities, available-for-sale, at fair value	450		512		292		263		126			115			868			890
Mortgage loans	4,172		5,661		1,426		1,050		—			—			5,598			6,711
Policy loans, at outstanding balance	1,420		1,997		—		—		—			—			1,420			1,997
Limited partnerships and other alternative investments	1,447		1,452		1,593		1,563		—			—			3,040			3,015
Other investments	383		961		121		130		17			23			521			1,114
Short-term investments	2,211		2,947		984		802		813			832			4,008			4,581
Total investments	$	67,260	$	102,427	$	29,120	$	30,311	$	2,021		$	1,512		$	98,401		$	134,250
Cash	1,237		2,231		189		190		2			—			1,428			2,421
Premiums receivable and agents’ balances	279		344		3,186		3,198		—			—			3,465			3,542
Reinsurance recoverables	20,595		1,912		2,735		2,754		—			—			23,330			4,666
DAC	1,612		5,177		549		548		—			—			2,161			5,725
Deferred income taxes	1,642		55		818		395		1,380			1,492			3,840			1,942
Goodwill	149		236		119		119		230			299			498			654
Property and equipment, net	247		348		621		620		9			9			877			977
Other assets	1,703		1,600		1,090		967		205			200			2,998			2,767
Separate account assets [2]	140,886		141,569		—		—		—			—			140,886			141,569
Total assets	$	235,610	$	255,899	$	38,427	$	39,102	$	3,847		$	3,512		$	277,884		$	298,513
Future policy benefits, unpaid losses and loss adjustment expenses	19,669		19,276		21,704		21,716		—			—			$	41,373		$	40,992
Other policyholder funds and benefits payable	39,029		41,979		—		—		—			—			39,029			41,979
Other policyholder funds and benefits payable— International variable annuities	19,734		28,922		—		—		—			—			19,734			28,922
Unearned premiums	177		174		5,049		4,972		(1		)	(1		)	5,225			5,145
Debt	238		—		—		—		6,306			7,126			6,544			7,126
Consumer notes	84		161		—		—		—			—			84			161
Other liabilities	2,922		6,800		1,550		1,675		1,632			1,697			6,104			10,172
Separate account liabilities	140,886		141,569		—		—		—			—			140,886			141,569
Total liabilities	$	222,739	$	238,881	$	28,303	$	28,363	$	7,937		$	8,822		$	258,979		$	276,066
Common equity, excluding AOCI	12,053		14,176		9,721		9,332		(2,790		)	(4,460		)	18,984			19,048
Preferred stock [3]	—		—		—		—		—			556			—			556
AOCI, after-tax	818		2,842		403		1,407		(1,300		)	(1,406		)	(79		)	2,843
Total stockholders’ equity	12,871		17,018		10,124		10,739		(4,090		)	(5,310		)	18,905			22,447
Total liabilities and equity	$	235,610	$	255,899	$	38,427	$	39,102	$	3,847		$	3,512		$	277,884		$	298,513

[1] For a description of Life, Property & Casualty and Corporate, refer to the Appendix - Basis of Presentation and Definitions.

[2] Excludes Mutual Funds assets under management ("AUM") owned by the shareholders of those funds and not by the Company.

[3] The preferred stock converted to common equity on April 1, 2013.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CAPITAL STRUCTURE

	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012
DEBT
Short-term debt [1]	$	438		$	200		$	520		$	520		$	320		$	320		$	—		—
Senior notes	5,006			5,006			5,005			4,707			5,706			5,706			6,025			4,481
Junior subordinated debentures	1,100			1,100			1,100			1,100			1,100			1,100			1,100			1,739
Total debt [2][3][4]	$	6,544		$	6,306		$	6,625		$	6,327		$	7,126		$	7,126		7,125			6,220
STOCKHOLDERS’ EQUITY
Common stockholders' equity, excluding AOCI	$	18,984		$	18,945		$	18,939		$	18,715		$	19,048		$	19,131		19,149			19,390
Preferred stock	—			—			—			556			556			556			556			556
AOCI	(79		)	(17		)	74			1,649			2,843			3,295			2,256			1,328
Total stockholders’ equity	$	18,905		$	18,928		$	19,013		$	20,920		$	22,447		$	22,982		$	21,961		21,274
CAPITALIZATION
Total capitalization, including AOCI, after tax	$	25,449		$	25,234		$	25,638		$	27,247		$	29,573		$	30,108		$	29,086		27,494
Total capitalization, excluding AOCI, after tax	$	25,528		$	25,251		$	25,564		$	25,598		$	26,730		$	26,813		$	26,830		26,166
DEBT TO CAPITALIZATION RATIOS [4]
Total debt to capitalization, including AOCI	25.7		%	25.0		%	25.8		%	23.2		%	24.1		%	23.7		%	24.5		%	22.6	%
Total debt to capitalization, excluding AOCI	25.6		%	25.0		%	25.9		%	24.7		%	26.7		%	26.6		%	26.6		%	23.8	%
Total rating agency adjusted debt to capitalization [5] [6]	28.4		%	28.5		%	29.3		%	26.6		%	27.4		%	26.3		%	27.3		%	26.5	%

[1] Short-term debt at December 31, 2013 includes borrowings of $238 drawn under Hartford Life Insurance KK lines of credit.

[2] On July 15, 2013, the Company repaid $320 of 4.625% senior notes which were classified as short-term debt as of June 30, 2013.

[3] On April 18, 2013, the Company issued $300 of 4.3% senior notes due in 2043. On March 26, 2013, the Company repurchased approximately $800 of outstanding senior debentures. On April 5, 2012, the Company issued $1.55 billion aggregate principal amount of senior notes and $600 of junior subordinated debentures. The Company used the proceeds from the 2012 debt offering to repurchase all of the outstanding 10% fixed to floating rate junior subordinated debentures due 2068 with a $1.75 billion aggregate principal amount held by Allianz SE for $2.125 billion.

[4] The Hartford excludes consumer notes from total debt for capital structure analysis. Consumer notes were $84, $83, $110, $132, $161, $190, $254, and $310 as of December 31, 2013, September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012, September 30, 2012, June 30, 2012, and March 31, 2012, respectively.

[5] The leverage calculation reflects adjustments related to the Company’s defined benefit plans unfunded pension liability and the Company's rental expense on operating leases for total adjustments of $1.4 billion, $1.6 billion, $1.6 billion, $1.6 billion, $1.7 billion, $1.5 billion, $1.5 billion and $1.5 billion for the three months ended December 31, 2013, September 30, 2013, June 30, 2013, March 31 2013, December 31, 2012, September 30, 2012, June 30, 2012, and March 31, 2012, respectively.

[6] Reflects 25% equity credit for the junior subordinated debentures and the discount value of the debentures issued in October 2008. Reflects 100% equity credit for the MCP stock which converted to common equity on April 1, 2013.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

STATUTORY CAPITAL AND SURPLUS TO GAAP STOCKHOLDERS’ EQUITY RECONCILIATION

	Dec. 31 2013			[3]	Dec. 31 2012			[3]
U.S. statutory net income
Property & Casualty [1]	$	1,217			$	883
Life [1] [2]	$	2,144			$	592
U.S. statutory capital and surplus - Property & Casualty	$	8,022			$	7,645
U.S. GAAP adjustments:
DAC	549				548
Benefit reserves	(48		)		(53		)
Unrealized gains on investments, after tax	313				1,314
Goodwill	119				119
Non-admitted assets	973				914
Other, net	196				252
U.S. GAAP stockholders’ equity - Property & Casualty	$	10,124			$	10,739
U.S. statutory capital and surplus - Life	$	6,639			$	6,410
U.S. GAAP adjustments:
DAC	1,612				5,177
Deferred taxes	573				(1,610		)
Benefit reserves	(20		)		(1,014		)
Unrealized gains on investments, after tax	937				4,071
Asset valuation reserve and interest maintenance reserve	787				934
Goodwill	149				236
Other, net	136				(231		)
Investment in foreign and non-insurance subsidiaries	2,058				3,045
U.S. GAAP stockholders’ equity - Life	$	12,871			$	17,018

[1] For a description of Property & Casualty and Life, refer to the Appendix - Basis of Presentation and Definitions on page 37.

[2] Statutory net income does not include capital gains and losses on the mark to market effects of hedging programs that may be accounted for as realized capital gains (losses) under U.S. GAAP.

[3] Statutory net income is for the years ended December 31, 2013 and 2012.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

	THREE MONTHS ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012
Fixed maturities net unrealized gain	$	975		$	976		$	1,141		$	2,484		$	3,402		$	3,373		$	2,507		$	1,793
Equities net unrealized gain (loss)	12			12			21			45			16			8			(8		)	(41		)
OTTI losses recognized in AOCI	(12		)	(20		)	(23		)	(32		)	(47		)	(59		)	(94		)	(107		)
Net deferred gain on cash flow hedging instruments	108			167			188			320			428			543			544			463
Total net unrealized gain	$	1,083		$	1,135		$	1,327		$	2,817		$	3,799		$	3,865		$	2,949		$	2,108
Foreign currency translation adjustments	91			184			92			186			406			582			494			438
Pension and other postretirement adjustment	(1,253		)	(1,336		)	(1,345		)	(1,354		)	(1,362		)	(1,152		)	(1,187		)	(1,218		)
Total AOCI	$	(79	)	$	(17	)	$	74		$	1,649		$	2,843		$	3,295		$	2,256		$	1,328

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

DEFERRED POLICY ACQUISITION COSTS AND PRESENT VALUE OF FUTURE PROFITS (“DAC”)

	THREE MONTHS ENDED DEC. 31 2013
										Talcott Resolution
	Property and Casualty			Group Benefits			Mutual Funds			U.S. Annuity			International Annuity		Institutional			Other [1]		Consolidated
Balance, beginning of period	$	554		$	41		$	22		$	1,584		$	—	$	48		$	—	$	2,249
Deferred costs	305			8			6			8			—		—			—		327
Amortization — DAC	(310		)	(9		)	(9		)	(56		)	—		(1		)	—		(385		)
Amortization — DAC unlock charge, before tax	—			—			—			5			—		—			—		5
Adjustments to unrealized gains/losses on securities available-for-sale and other	—			1			—			(36		)	—		—			—		(35		)
Balance, end of period	$	549		$	41		$	19		$	1,505		$	—	$	47		$	—	$	2,161

	YEAR ENDED DEC. 31 2013
										Talcott Resolution
	Property and Casualty			Group Benefits			Mutual Funds			U.S. Annuity			International Annuity			Institutional			Other [1]			Consolidated
Balance, beginning of period	$	548		$	43		$	22		$	1,823		$	993		$	51		$	2,245		$	5,725
Deferred costs	1,238			30			35			27			—			—			—			1,330
Amortization — DAC	(1,237		)	(33		)	(39		)	(282		)	(20		)	(4		)	—			(1,615		)
Amortization — DAC unlock charge, before tax [2]	—			—			—			(183		)	(887		)	—			(16		)	(1,086		)
Amortization — DAC related to business dispositions [3]	—			—			—			—			—			—			(2,229		)	(2,229		)
Adjustments to unrealized gains/losses on securities available-for-sale and other	—			1			1			120			—			—			—			122
Effect of currency translation adjustment	—			—			—			—			(86		)	—			—			(86		)
Balance, end of period	$	549		$	41		$	19		$	1,505		$	—		$	47		$	—		$	2,161

[1] Talcott Resolution Other includes DAC balances and activity related to the private placement life insurance ("PPLI"), Retirement Plans and Individual Life businesses. The Retirement Plans and Individual Life businesses were sold in January 2013.

[2] International Annuity's unlock charge relates to the elimination of future estimated gross profits on the Japan variable annuity block due to the increased costs associated with expanding the Japan variable annuity hedging program in the three months ended March 31, 2013.

[3] Includes $204 and $2,025 recognized in the first quarter of 2013 upon the sale of the Retirement Plans and Individual Life businesses, respectively, representing accelerated amortization and previously unrealized gains on securities available-for-sale.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

PROPERTY & CASUALTY COMBINED

UNPAID LOSS AND LOSS ADJUSTMENT EXPENSE RESERVE ROLLFORWARD

	THREE MONTHS ENDED DEC. 31 2013
	P&C Commercial		Consumer Markets		P&C Other Operations		Total Property & Casualty
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	16,257	$	1,813	$	3,644	$	21,714
Reinsurance and other recoverables	2,481		14		600		3,095
Beginning liabilities for unpaid losses and loss adjustment expenses, net	13,776		1,799		3,044		18,619
Provision for unpaid losses and loss adjustment expenses
Current accident year before catastrophes	972		643		—		1,615
Current accident year catastrophes	7		21		—		28
Prior year development	12		—		3		15
Total provision for unpaid losses and loss adjustment expenses	991		664		3		1,658
Less: Payments	916		612		73		1,601
Ending liabilities for unpaid losses and loss adjustment expenses, net	13,851		1,851		2,974		18,676
Reinsurance and other recoverables	2,442		13		573		3,028
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	16,293	$	1,864	$	3,547	$	21,704

	YEAR ENDED DEC. 31 2013
	P&C Commercial		Consumer Markets			P&C Other Operations		Total Property & Casualty
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	16,020	$	1,926		$	3,770	$	21,716
Reinsurance and other recoverables	2,365		16			646		3,027
Beginning liabilities for unpaid losses and loss adjustment expenses, net	13,655		1,910			3,124		18,689
Provision for unpaid losses and loss adjustment expenses
Current accident year before catastrophes	3,897		2,412			—		6,309
Current accident year catastrophes	105		207			—		312
Prior year development	83		(39		)	148		192
Total provision for unpaid losses and loss adjustment expenses	4,085		2,580			148		6,813
Less: Payments	3,889		2,639			298		6,826
Ending liabilities for unpaid losses and loss adjustment expenses, net	13,851		1,851			2,974		18,676
Reinsurance and other recoverables	2,442		13			573		3,028
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	16,293	$	1,864		$	3,547	$	21,704

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

PROPERTY & CASUALTY COMBINED

INCOME STATEMENTS

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
UNDERWRITING RESULTS
Written premiums	$	2,349		$	2,556		$	2,501		$	2,523		$	2,314		$	2,512		$	2,472		$	2,549		$	9,929		$	9,847
Change in unearned premium reserve	(149		)	68			48			98			(165		)	18			18			83			65			(46		)
Earned premiums	2,498			2,488			2,453			2,425			2,479			2,494			2,454			2,466			9,864			9,893
Losses and loss adjustment expenses
Current accident year before catastrophes	1,615			1,607			1,551			1,536			1,660			1,717			1,590			1,601			6,309			6,568
Current accident year catastrophes	28			66			186			32			335			10			290			71			312			706
Prior year development	15			17			146			14			9			(33		)	49			(29		)	192			(4		)
Total losses and loss adjustment expenses	1,658			1,690			1,883			1,582			2,004			1,694			1,929			1,643			6,813			7,270
Amortization of DAC	310			308			309			310			317			313			315			314			1,237			1,259
Underwriting expenses	398			391			389			375			381			367			388			403			1,553			1,539
Dividends to policyholders	4			4			4			4			6			5			5			(2		)	16			14
Underwriting gain (loss)	128			95			(132		)	154			(229		)	115			(183		)	108			245			(189		)
Net investment income	324			296			338			312			301			295			319			317			1,270			1,232
Net realized capital gains (losses)	72			2			(7		)	51			40			16			(21		)	61			118			96
Other expense	(45		)	(32		)	(34		)	(24		)	(33		)	(36		)	(22		)	(35		)	(135		)	(126		)
Income from continuing operations before income taxes	479			361			165			493			79			390			93			451			1,498			1,013
Income tax expense (benefit)	133			98			27			142			(2		)	106			8			126			400			238
Income from continuing operations, after tax	346			263			138			351			81			284			85			325			1,098			775
Income (loss) from discontinued operations, after tax	—			1			(2		)	—			(1		)	(2		)	(1		)	(1		)	(1		)	(5		)
Net income	346			264			136			351			80			282			84			324			1,097			770
Less: Restructuring and other costs, after tax	—			(1		)	—			—			—			(1		)	(3		)	—			(1		)	(4		)
Less: Income (loss) from discontinued operations, after tax	—			1			(2		)	—			(1		)	(2		)	(1		)	(1		)	(1		)	(5		)
Less: Net realized capital gains (losses), after tax and DAC, excluded from core earnings	46			1			(2		)	33			27			10			(13		)	41			78			65
Core earnings	$	300		$	263		$	140		$	318		$	54		$	275		$	101		$	284		$	1,021		$	714

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

PROPERTY & CASUALTY COMBINED

UNDERWRITING RATIOS

	THREE MONTHS ENDED																					YEAR ENDED
	Dec. 31 2013		Sept. 30 2013		Jun. 30 2013			Mar. 31 2013		Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013		Dec. 31 2012
UNDERWRITING GAIN (LOSS)	$	128	$	95	$	(132	)	$	154	$	(229	)	$	115		$	(183	)	$	108		$	245	$	(189	)
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes	64.7		64.6		63.2			63.3		67.0			68.8			64.8			64.9			64.0		66.4
Current accident year catastrophes	1.1		2.7		7.6			1.3		13.5			0.4			11.8			2.9			3.2		7.1
Prior year development	0.6		0.7		6.0			0.6		0.4			(1.3		)	2.0			(1.2		)	1.9		—
Total losses and loss adjustment expenses	66.4		67.9		76.8			65.2		80.8			67.9			78.6			66.6			69.1		73.5
Expenses	28.3		28.1		28.5			28.2		28.2			27.3			28.6			29.1			28.3		28.3
Policyholder dividends	0.2		0.2		0.2			0.2		0.2			0.2			0.2			(0.1		)	0.2		0.1
Combined ratio	94.9		96.2		105.4			93.6		109.2			95.4			107.5			95.6			97.5		101.9
Current accident year catastrophes and prior year development	1.7		3.4		13.6			1.9		13.9			(0.9		)	13.8			1.7			5.1		7.1
Combined ratio before catastrophes and prior year development	93.2		92.8		91.8			91.8		95.4			96.3			93.6			93.9			92.4		94.8

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

P&C COMMERCIAL

UNDERWRITING RESULTS

	THREE MONTHS ENDED																						YEAR ENDED
	Dec. 31 2013			Sept. 30 2013		Jun. 30 2013			Mar. 31 2013		Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013		Dec. 31 2012
UNDERWRITING RESULTS
Written premiums	$	1,463		$	1,567	$	1,533		$	1,645	$	1,454		$	1,552		$	1,516		$	1,687		$	6,208	$	6,209
Change in unearned premium reserve	(103		)	4		(12		)	116		(114		)	(30		)	(36		)	130			5		(50		)
Earned premiums	1,566			1,563		1,545			1,529		1,568			1,582			1,552			1,557			6,203		6,259
Losses and loss adjustment expenses
Current accident year before catastrophes [1]	972			991		966			968		1,067			1,089			995			1,027			3,897		4,178
Current accident year catastrophes [2]	7			48		44			6		209			10			74			32			105		325
Prior year development [4]	12			26		37			8		18			15			19			20			83		72
Total losses and loss adjustment expenses	991			1,065		1,047			982		1,294			1,114			1,088			1,079			4,085		4,575
Amortization of DAC	226			226		226			227		234			231			231			231			905		927
Underwriting expenses	247			238		243			225		227			218			235			245			953		925
Dividends to policyholders [3]	4			4		4			4		6			5			5			(2		)	16		14
Underwriting gain (loss)	$	98		$	30	$	25		$	91	$	(193	)	$	14		$	(7	)	$	4		$	244	$	(182	)

[1] Includes prior quarters current accident year reserve strengthening of $0 and $28, respectively, in the three months ended December 31, 2013 and 2012. Prior quarters current accident year reserve strengthening in the three months ended December 31, 2012 related primarily to workers' compensation business.    

[2] Includes $207 related to Storm Sandy in the three months ended December 31, 2012.

[3] Includes a decrease in prior dividends of $8 in the three months ended March 31, 2012.

[4] Prior year development includes the following (favorable) unfavorable prior year loss reserve development:

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Auto liability	$	—		$	86		$	40		$	15		$	11		$	14		$	19		$	12		$	141		$	56
Professional liability	—			—			(30		)	1			—			22			9			9			(29		)	40
Package business	16			—			(3		)	(11		)	14			(2		)	(16		)	(16		)	2			(20		)
General liability	(1		)	(45		)	(10		)	(19		)	(11		)	(36		)	(24		)	(16		)	(75		)	(87		)
Fidelity and surety	(3		)	—			—			(5		)	(12		)	(8		)	10			1			(8		)	(9		)
Commercial property	—			(1		)	(2		)	(4		)	(3		)	1			4			(10		)	(7		)	(8		)
Uncollectible reinsurance	—			—			(25		)	—			—			—			—			—			(25		)	—
Workers’ compensation	(11		)	(10		)	1			18			9			18			43			8			(2		)	78
Workers’ compensation - NY 25a Fund for Reopened Cases	—			—			80			—			—			—			—			—			80			—
Change in workers' compensation discount, including accretion	7			8			7			8			7			8			8			29			30			52
Catastrophes [a.]	(3		)	(12		)	(9		)	—			1			(2		)	(39		)	3			(24		)	(37		)
Other reserve re-estimates, net [b.]	7			—			(12		)	5			2			—			5			—			—			7
Total prior year development	$	12		$	26		$	37		$	8		$	18		$	15		$	19		$	20		$	83		$	72

a. The three months ended December 31, 2013, September 30, 2013 and June 30, 2013 include reserve releases of $6, $12 and $15, respectively, primarily related to Storm Sandy. The three months ended

June 30, 2012 includes reserve releases on certain prior year catastrophes primarily related to 2001 World Trade Center workers’ compensation claims.

b. The three months ended June 30, 2013 includes an $18 recovery related to a class action settlement with American International Group involving prior accident years involuntary

workers compensation pool loss and loss adjustment expense.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

P&C COMMERCIAL

UNDERWRITING RATIOS

	THREE MONTHS ENDED																			YEAR ENDED
	Dec. 31 2013		Sept. 30 2013		Jun. 30 2013		Mar. 31 2013		Dec. 31 2012			Sept. 30 2012		Jun. 30 2012			Mar. 31 2012			Dec. 31 2013		Dec. 31 2012
UNDERWRITING GAIN (LOSS)	$	98	$	30	$	25	$	91	$	(193	)	$	14	$	(7	)	$	4		$	244	$	(182	)
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes [1]	62.1		63.4		62.5		63.3		68.0			68.8		64.1			66.0			62.8		66.8
Current accident year catastrophes [2]	0.4		3.1		2.8		0.4		13.3			0.6		4.8			2.1			1.7		5.2
Prior year development [3]	0.8		1.7		2.4		0.5		1.1			0.9		1.2			1.3			1.3		1.2
Total losses and loss adjustment expenses	63.3		68.1		67.8		64.2		82.5			70.4		70.1			69.3			65.9		73.1
Expenses	30.2		29.7		30.4		29.6		29.4			28.4		30.0			30.6			30.0		29.6
Policyholder dividends	0.3		0.3		0.3		0.3		0.4			0.3		0.3			(0.1		)	0.3		0.2
Combined ratio	93.7		98.1		98.4		94.0		112.3			99.1		100.5			99.7			96.1		102.9
Current accident year catastrophes and prior year development	1.2		4.8		5.2		0.9		14.4			1.5		6.0			3.4			3.0		6.4
Combined ratio before catastrophes and prior year development	92.5		93.3		93.1		93.1		97.8			97.5		94.5			96.4			93.0		96.6

[1] Includes current accident year reserve strengthening of 1.8 points, primarily related to workers’ compensation business, in the three months ended December 31, 2012.

[2] Includes 13.2 points related to Storm Sandy in the three months ended December 31, 2012.

[3] For a summary of (favorable) unfavorable prior year loss reserve development, refer to footnote 4 on page 12.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

P&C COMMERCIAL

SUPPLEMENTAL DATA

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
WRITTEN PREMIUMS
Small Commercial	$	715		$	740		$	787		$	842		$	705		$	728		$	769		$	815		$	3,084		$	3,017
Middle Market	555			570			518			546			545			557			512			581			2,189			2,195
Specialty	186			248			219			248			195			259			227			283			901			964
Other	7			9			9			9			9			8			8			8			34			33
Total	$	1,463		$	1,567		$	1,533		$	1,645		$	1,454		$	1,552		$	1,516		$	1,687		$	6,208		$	6,209
EARNED PREMIUMS
Small Commercial	$	777		$	769		$	763		$	754		$	760		$	755		$	738		$	726		$	3,063		$	2,979
Middle Market	549			545			540			530			559			565			562			577			2,164			2,263
Specialty	234			240			233			236			243			253			244			245			943			985
Other	6			9			9			9			6			9			8			9			33			32
Total	$	1,566		$	1,563		$	1,545		$	1,529		$	1,568		$	1,582		$	1,552		$	1,557		$	6,203		$	6,259
SMALL COMMERCIAL
Combined ratio	85.8			92.4			94.5			89.9			111.2			93.6			94.8			97.3			90.6			99.3
Combined ratio before catastrophes and prior year development	85.9			87.1			87.6			89.2			92.8			92.6			87.1			91.8			87.5			91.1
MIDDLE MARKET
Combined ratio	97.1			102.7			101.7			91.6			117.1			103.5			104.1			98.8			98.3			105.8
Combined ratio before catastrophes and prior year development	94.8			95.9			95.2			95.8			99.0			100.7			98.4			99.2			95.4			99.3
SPECIALTY
Combined ratio	102.4			111.0			113.8			112.6			104.9			117.4			107.9			108.2			109.9			109.7
Combined ratio before catastrophes and prior year development	100.6			103.0			105.7			98.9			111.2			105.0			106.5			102.9			102.1			106.4
STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)
Renewal Written Price Increases
Standard Commercial Lines	8		%	8		%	8		%	8		%	8		%	8		%	7		%	7		%	8		%	7		%
Policy Count Retention
Small Commercial	82		%	81		%	80		%	82		%	83		%	84		%	82		%	84		%	81		%	83		%
Middle Market	79		%	80		%	79		%	77		%	79		%	78		%	73		%	79		%	79		%	77		%
New Business Premium $
Small Commercial	$	111		$	115		$	125		$	134		$	109		$	109		$	135		$	145		$	485		$	498
Middle Market	$	102		$	107		$	116		$	97		$	80		$	86		$	78		$	91		$	422		$	335
Policies in Force (in thousands)
Small Commercial	1,177			1,181			1,181			1,185			1,187			1,191			1,188			1,180
Middle Market	73			74			74			75			76			77			79			81

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSUMER MARKETS

UNDERWRITING RESULTS

	THREE MONTHS ENDED																								YEAR ENDED
UNDERWRITING RESULTS	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Written premiums	$	886		$	988		$	967		$	878		$	859		$	960		$	950		$	861		$	3,719		$	3,630
Change in unearned premium reserve	(45		)	63			59			(18		)	(52		)	48			46			(48		)	59			(6		)
Earned premiums	931			925			908			896			911			912			904			909			3,660			3,636
Losses and loss adjustment expenses
Current accident year before catastrophes [1]	643			616			585			568			593			628			595			574			2,412			2,390
Current accident year catastrophes [2]	21			18			142			26			126			—			216			39			207			381
Prior year development [3]	—			(11		)	(32		)	4			(14		)	(49		)	(23		)	(55		)	(39		)	(141		)
Total losses and loss adjustment expenses	664			623			695			598			705			579			788			558			2,580			2,630
Amortization of DAC	84			82			83			83			83			82			84			83			332			332
Underwriting expenses	144			145			139			143			144			141			146			150			571			581
Underwriting gain (loss)	$	39		$	75		$	(9	)	$	72		$	(21	)	$	110		$	(114	)	$	118		$	177		$	93

[1] Includes prior quarters current accident year reserve strengthening of $15 in the three months ended December 31, 2013. Includes prior quarters current accident year reserve releases of $8 in the three months ended December 31, 2012.

[2] Includes $143 related to Storm Sandy in the three months ended December 31 2012.

[3] Prior year development includes the following (favorable) unfavorable prior year loss reserve development:

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Auto liability	$	1		$	—		$	2		$	—		$	(2	)	$	(38	)	$	(11	)	$	(30	)	$	3		$	(81	)
Homeowners	3			1			(2		)	(8		)	(22		)	(4		)	(1		)	(5		)	(6		)	(32		)
Catastrophes [a.]	(2		)	(8		)	(31		)	2			—			(6		)	(9		)	(14		)	(39		)	(29		)
Other reserve re-estimates, net	(2		)	(4		)	(1		)	10			10			(1		)	(2		)	(6		)	3			1
Total prior year development	$	—		$	(11	)	$	(32	)	$	4		$	(14	)	$	(49	)	$	(23	)	$	(55	)	$	(39	)	$	(141	)

[a.] Includes reserve releases of $1, $3 and $20 related to Storm Sandy in the three months ended December 31, 2013, September 30, 2013 and June 30, 2013, respectively.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSUMER MARKETS

UNDERWRITING RATIOS

	THREE MONTHS ENDED																						YEAR ENDED
	Dec. 31 2013		Sept. 30 2013			Jun. 30 2013			Mar. 31 2013		Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
UNDERWRITING GAIN (LOSS)	$	39	$	75		$	(9	)	$	72	$	(21	)	$	110		$	(114	)	$	118		$	177		$	93
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes [1]	69.1		66.6			64.4			63.4		65.1			68.9			65.8			63.1			65.9			65.7
Current accident year catastrophes [2]	2.3		1.9			15.6			2.9		13.8			—			23.9			4.3			5.7			10.5
Prior year development [3]	—		(1.2		)	(3.5		)	0.4		(1.5		)	(5.4		)	(2.5		)	(6.1		)	(1.1		)	(3.9		)
Total losses and loss adjustment expenses	71.3		67.4			76.5			66.7		77.4			63.5			87.2			61.4			70.5			72.3
Expenses	24.5		24.5			24.4			25.2		24.9			24.5			25.4			25.6			24.7			25.1
Combined ratio	95.8		91.9			101.0			92.0		102.3			87.9			112.6			87.0			95.2			97.4
Current accident year catastrophes and prior year development	2.3		0.7			12.1			3.3		12.3			(5.4		)	21.4			(1.8		)	4.6			6.6
Combined ratio before catastrophes and prior year development	93.6		91.1			88.9			88.6		90.0			93.3			91.3			88.8			90.6			90.8
PRODUCT
Automobile
Combined ratio	102.4		96.3			94.6			96.0		109.4			93.9			98.8			88.4			97.3			97.6
Combined ratio before catastrophes and prior year development	102.7		96.8			93.8			93.3		100.5			100.1			96.0			93.8			96.7			97.6
Homeowners
Combined ratio	78.3		81.2			115.0			82.7		86.1			74.5			144.1			83.8			89.2			97.0
Combined ratio before catastrophes and prior year development	70.6		77.6			77.9			77.9		65.7			78.2			80.2			77.4			75.9			75.4

[1] Includes prior quarters current accident year reserve strengthening of 1.6 points in the three months ended December 31, 2013.

[2] Includes 15.7 points related to Storm Sandy in the three months ended December 31, 2012.

[3] For a summary of (favorable) unfavorable prior year loss reserve development refer to footnote 2 on page 15.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSUMER MARKETS

SUPPLEMENTAL DATA

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
DISTRIBUTION
WRITTEN PREMIUMS
AARP Direct	$	632		$	725		$	718		$	647		$	623		$	714		$	710		$	633		$	2,722		$	2,680
AARP Agency	66			62			52			45			40			37			32			27			225			136
Other Agency	175			187			182			173			181			196			194			186			717			757
Other	13			14			15			13			15			13			14			15			55			57
Total	$	886		$	988		$	967		$	878		$	859		$	960		$	950		$	861		$	3,719		$	3,630
EARNED PREMIUMS
AARP Direct	$	684		$	682		$	673		$	662		$	674		$	679		$	671		$	676		$	2,701		$	2,700
AARP Agency	54			47			41			35			32			27			23			19			177			101
Other Agency	181			182			181			184			188			194			195			201			728			778
Other	12			14			13			15			17			12			15			13			54			57
Total	$	931		$	925		$	908		$	896		$	911		$	912		$	904		$	909		$	3,660		$	3,636
PRODUCT LINE
WRITTEN PREMIUMS
Automobile	$	608		$	668		$	657		$	629		$	595		$	650		$	649		$	620		$	2,562		$	2,514
Homeowners	278			320			310			249			264			310			301			241			1,157			1,116
Total	$	886		$	988		$	967		$	878		$	859		$	960		$	950		$	861		$	3,719		$	3,630
EARNED PREMIUMS
Automobile	$	640		$	637		$	626		$	619		$	632		$	632		$	630		$	632		$	2,522		$	2,526
Homeowners	291			288			282			277			279			280			274			277			1,138			1,110
Total	$	931		$	925		$	908		$	896		$	911		$	912		$	904		$	909		$	3,660		$	3,636
STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)
Renewal Written Price Increases
Automobile	5		%	5		%	5		%	5		%	5		%	4		%	4		%	4		%	5		%	4		%
Homeowners	8		%	8		%	7		%	6		%	6		%	6		%	6		%	6		%	7		%	6		%
Policy Count Retention
Automobile	86		%	86		%	86		%	86		%	86		%	85		%	84		%	84		%	86		%	85		%
Homeowners	86		%	86		%	87		%	87		%	88		%	87		%	86		%	85		%	87		%	86		%
Premium Retention
Automobile	87		%	88		%	88		%	88		%	87		%	87		%	86		%	84		%	88		%	86		%
Homeowners	92		%	92		%	92		%	92		%	91		%	91		%	90		%	89		%	92		%	90		%
New Business Premium $
Automobile	$	94		$	100		$	93		$	87		$	77		$	84		$	85		$	86		$	374		$	332
Homeowners	$	32		$	35		$	34		$	30		$	30		$	32		$	30		$	25		$	131		$	117
Policies in Force (in thousands)
Automobile	2,019			2,021			2,020			2,019			2,015			2,029			2,045			2,065
Homeowners	1,319			1,321			1,322			1,322			1,319			1,321			1,324			1,330

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

P&C OTHER OPERATIONS

UNDERWRITING RESULTS

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
UNDERWRITING RESULTS
Written premiums	$	—		$	1		$	1		$	—		$	1		$	—		$	6		$	1		$	2		$	8
Change in unearned premium reserve	(1		)	1			1			—			1			—			8			1			1			10
Earned premiums	1			—			—			—			—			—			(2		)	—			1			(2		)
Losses and loss adjustment expenses
Prior year development [1]	3			2			141			2			5			1			53			6			148			65
Total losses and loss adjustment expenses	3			2			141			2			5			1			53			6			148			65
Underwriting expenses	7			8			7			7			10			8			7			8			29			33
Underwriting loss	$	(9	)	$	(10	)	$	(148	)	$	(9	)	$	(15	)	$	(9	)	$	(62	)	$	(14	)	$	(176	)	$	(100	)

[1] Prior year development includes the following (favorable) unfavorable prior year loss reserve development:

	THREE MONTHS ENDED																YEAR ENDED
	Dec. 31 2013		Sept. 30 2013		Jun. 30 2013		Mar. 31 2013		Dec. 31 2012		Sept. 30 2012		Jun. 30 2012		Mar. 31 2012		Dec. 31 2013		Dec. 31 2012
Asbestos	$	—	$	—	$	130	$	—	$	—	$	—	$	48	$	—	$	130	$	48
Environmental	—		1		10		1		2		—		3		5		12		10
Other reserve re-estimates, net	3		1		1		1		3		1		2		1		6		7
Total prior year development	$	3	$	2	$	141	$	2	$	5	$	1	$	53	$	6	$	148	$	65

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

GROUP BENEFITS

INCOME STATEMENTS

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Earned premiums	$	821		$	817		$	823		$	812		$	915		$	926		$	950		$	957		$	3,273		$	3,748
Fee income	14			14			15			14			16			15			16			15			57			62
Net investment income	97			96			100			97			101			98			107			99			390			405
Net realized capital gains (losses)	3			(8		)	37			18			9			11			—			20			50			40
Total revenues	935			919			975			941			1,041			1,050			1,073			1,091			3,770			4,255
Benefits, losses and loss adjustment expenses	607			637			635			639			717			746			759			807			2,518			3,029
Amortization of DAC	9			8			8			8			8			9			8			8			33			33
Insurance operating costs and other expenses	239			237			248			240			256			258			261			258			964			1,033
Total benefits and expenses	855			882			891			887			981			1,013			1,028			1,073			3,515			4,095
Income from continuing operations before income taxes	80			37			84			54			60			37			45			18			255			160
Income tax expense	22			6			23			12			14			7			10			—			63			31
Net income	58			31			61			42			46			30			35			18			192			129
Less: Net realized capital gains (losses), after tax, excluded from core earnings	3			(5		)	24			12			7			7			1			13			34			28
Core earnings [1]	$	55		$	36		$	37		$	30		$	39		$	23		$	34		$	5		$	158		$	101
After-tax margin (excluding buyouts)
Net income	6.2		%	3.4		%	6.3		%	4.5		%	4.4		%	2.9		%	3.3		%	1.7		%	5.1		%	3.0		%
Core earnings	5.9		%	3.9		%	3.9		%	3.2		%	3.8		%	2.2		%	3.2		%	0.5		%	4.3		%	2.4		%

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

GROUP BENEFITS

SUPPLEMENTAL DATA

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
PREMIUMS
Fully insured ongoing premiums
Group disability	$	352		$	343		$	355		$	345		$	411		$	411		$	423		$	428		$	1,395		$	1,673
Group life	428			435			427			426			456			468			478			476			1,716			1,878
Other	41			39			40			41			48			47			49			50			161			194
Total fully insured ongoing premiums	$	821		$	817		$	822		$	812		$	915		$	926		$	950		$	954		$	3,272		$	3,745
Total buyouts [1]	—			—			1			—			—			—			—			3			1			3
Total premiums	821			817			823			812			915			926			950			957			3,273			3,748
Group disability premium equivalents [2]	102			104			100			106			111			114			111			110			412			446
Total premiums and premium equivalents	$	923		$	921		$	923		$	918		$	1,026		$	1,040		$	1,061		$	1,067		$	3,685		$	4,194
SALES (GROSS ANNUALIZED NEW PREMIUMS)
Fully insured ongoing sales
Group disability	$	29		$	32		$	46		$	76		$	25		$	25		$	27		$	86		$	183		$	163
Group life	26			28			55			88			28			24			37			135			197			224
Other	3			3			2			5			3			6			2			7			13			18
Total fully insured ongoing sales	58			63			103			169			56			55			66			228			393			405
Total buyouts [1]	—			—			1			—			—			—			1			2			1			3
Total sales	58			63			104			169			56			55			67			230			394			408
Group disability premium equivalents [2]	23			5			18			15			8			7			3			31			61			49
Total sales and premium equivalents	$	81		$	68		$	122		$	184		$	64		$	62		$	70		$	261		$	455		$	457
RATIOS [3]
Loss ratio
Group disability loss ratio	75.7		%	87.9		%	82.7		%	89.9		%	85.8		%	91.5		%	93.1		%	98.2		%	84.0		%	92.2		%
Group life loss ratio	70.8		%	68.2		%	70.8		%	68.1		%	70.0		%	69.4		%	66.5		%	70.3		%	69.5		%	69.0		%
Total loss ratio	72.7		%	76.7		%	75.7		%	77.4		%	77.0		%	79.3		%	78.6		%	83.0		%	75.6		%	79.5		%
Expense ratio	29.7		%	29.5		%	30.6		%	30.0		%	28.4		%	28.4		%	27.8		%	27.5		%	29.9		%	28.0		%

[1] Takeover of open claim liabilities and other non-recurring premium amounts.

[2] Administrative service only fees and claims under claim management agreements.

[3] Ratios calculated include fee income and exclude the effects of buyout premiums.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

MUTUAL FUNDS

INCOME STATEMENTS

	THREE MONTHS ENDED																							YEAR ENDED
	Dec. 31 2013			Sept. 30 2013		Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Fee income	$	173		$	171	$	170		$	164		$	152		$	148		$	148		$	151		$	678		$	599
Net investment loss	—			—		—			—			(1		)	(1		)	—			(1		)	—			(3		)
Net realized capital gains (losses)	—			—		—			—			—			1			(2		)	1			—			—
Total revenues	173			171		170			164			151			148			146			151			678			596
Amortization of DAC	9			11		10			9			9			8			9			9			39			35
Insurance operating costs and other expenses [1]	134			131		129			127			119			113			109			111			521			452
Total benefits and expenses	143			142		139			136			128			121			118			120			560			487
Income before income taxes	30			29		31			28			23			27			28			31			118			109
Income tax expense	11			10		11			10			8			9			10			11			42			38
Net income	19			19		20			18			15			18			18			20			76			71
Less: Restructuring and other costs, after-tax	—			1		(1		)	(1		)	(1		)	(1		)	(1		)	—			(1		)	(3		)
Less: Net realized capital gains (losses), after-tax, excluded from core earnings	(1		)	—		1			(1		)	—			—			—			—			(1		)	—
Core earnings	$	20		$	18	$	20		$	20		$	16		$	19		$	19		$	20		$	78		$	74
Return on assets (bps, after-tax) [2]
Net income	8.0			8.4		8.8			8.0			6.8			8.3			8.1			9.0			8.2			8.2
Core earnings	8.5			8.0		8.8			8.9			7.3			8.7			8.5			9.0			8.5			8.5

[1] Includes compensation to servicing intermediaries of approximately $5 for each quarter in 2013 related toon-going business with the Company's Retirement Plans and Individual Life businesses sold in January 2013; prior to 2013, compensation to servicing intermediaries was presented as a reduction to fee income.

[2] Represents annualized earnings divided by a two-point average of assets under management.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

MUTUAL FUNDS

ASSET VALUE ROLL FORWARD

ASSETS UNDER MANAGEMENT BY DISTRIBUTION CHANNEL

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
RETAIL MUTUAL FUNDS [1]
Beginning balance	$	49,938		$	47,617		$	48,186		$	45,013		$	44,267		$	42,665		$	45,315		$	41,785		$	45,013		$	41,785
Sales	2,488			2,864			2,789			3,162			2,433			2,136			2,031			2,210			11,303			8,810
Redemptions	(2,569		)	(2,901		)	(4,075		)	(3,176		)	(2,726		)	(2,436		)	(2,856		)	(3,069		)	(12,721		)	(11,087		)
Net flows	(81		)	(37		)	(1,286		)	(14		)	(293		)	(300		)	(825		)	(859		)	(1,418		)	(2,277		)
Change in market value and other [2]	3,183			2,358			717			3,187			1,039			1,902			(1,825		)	4,389			9,445			5,505
Ending balance	$	53,040		$	49,938		$	47,617		$	48,186		$	45,013		$	44,267		$	42,665		$	45,315		$	53,040		$	45,013
DEFINED CONTRIBUTION INVESTMENT ONLY MUTUAL FUNDS [3]
Beginning balance	$	16,821		$	15,991		$	17,622		$	16,598		$	17,015		$	16,678		$	17,945		$	16,140		$	16,598		$	16,140
Sales	1,067			923			937			942			720			662			793			856			3,869			3,031
Redemptions	(1,428		)	(1,531		)	(2,590		)	(1,426		)	(1,484		)	(1,144		)	(1,386		)	(1,157		)	(6,975		)	(5,171		)
Net flows	(361		)	(608		)	(1,653		)	(484		)	(764		)	(482		)	(593		)	(301		)	(3,106		)	(2,140		)
Change in market value and other	1,418			1,438			22			1,508			347			819			(674		)	2,106			4,386			2,598
Ending balance	$	17,878		$	16,821		$	15,991		$	17,622		$	16,598		$	17,015		$	16,678		$	17,945		$	17,878		$	16,598
TOTAL MUTUAL FUNDS
Beginning balance	$	66,759		$	63,608		$	65,808		$	61,611		$	61,282		$	59,343		$	63,260		$	57,925		$	61,611		$	57,925
Sales	3,555			3,787			3,726			4,104			3,153			2,798			2,824			3,066			15,172			11,841
Redemptions [4]	(3,997		)	(4,432		)	(6,665		)	(4,602		)	(4,210		)	(3,580		)	(4,242		)	(4,226		)	(19,696		)	(16,258		)
Net flows	(442		)	(645		)	(2,939		)	(498		)	(1,057		)	(782		)	(1,418		)	(1,160		)	(4,524		)	(4,417		)
Change in market value and other	4,601			3,796			739			4,695			1,386			2,721			(2,499		)	6,495			13,831			8,103
Ending balance	$	70,918		$	66,759		$	63,608		$	65,808		$	61,611		$	61,282		$	59,343		$	63,260		$	70,918		$	61,611
AVERAGE MUTUAL FUNDS ASSETS UNDER MANAGEMENT	$	68,839		$	65,183		$	64,708		$	63,710		$	61,447		$	60,313		$	61,302		$	60,593		$	66,265		$	59,768
ANNUITY MUTUAL FUND ASSETS [5]	$	25,817		$	25,638		$	25,901		$	26,628		$	26,036		$	26,839		$	26,888		$	29,145		$	25,817		$	26,036
TOTAL ASSETS UNDER MANAGEMENT	$	96,735		$	92,397		$	89,509		$	92,436		$	87,647		$	88,121		$	86,231		$	92,405		$	96,735		$	87,647
AVERAGE ASSETS UNDER MANAGEMENT	$	94,566		$	90,953		$	90,973		$	90,042		$	87,884		$	87,176		$	89,318		$	88,972		$	92,191		$	86,592

[1]Includes mutual funds offered within 529 college savings plans.

[2]Includes front end loads on A share products.

[3]Consists of mutual funds offered within employee directed retirement plans.

[4]Includes an institutional redemption as well as a portfolio rebalance at a key distributor, together totaling $2.5 billion in the three months ended June 30, 2013.

[5]Consists of Company-sponsored mutual fund assets held in separate accounts supporting variable insurance and investment products.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

MUTUAL FUNDS

ASSET VALUE ROLL FORWARD

ASSETS UNDER MANAGEMENT BY ASSET CLASS

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
EQUITY
Beginning balance	$	39,057		$	36,186		$	38,453		$	35,843		$	36,341		$	35,694		$	39,501		$	35,489		$	35,843		$	35,489
Sales	1,678			1,591			1,446			1,559			1,117			1,047			1,275			1,416			6,274			4,855
Redemptions	(2,043		)	(2,054		)	(4,821		)	(2,951		)	(2,562		)	(2,239		)	(2,750		)	(2,725		)	(11,869		)	(10,276		)
Net flows	(365		)	(463		)	(3,375		)	(1,392		)	(1,445		)	(1,192		)	(1,475		)	(1,309		)	(5,595		)	(5,421		)
Change in market value and other	3,734			3,334			1,108			4,002			947			1,839			(2,332		)	5,321			12,178			5,775
Ending balance	$	42,426		$	39,057		$	36,186		$	38,453		$	35,843		$	36,341		$	35,694		$	39,501		$	42,426		$	35,843
FIXED INCOME
Beginning balance	$	14,595		$	14,944		$	15,213		$	14,524		$	13,941		$	13,281		$	13,321		$	13,064		$	14,524		$	13,064
Sales	1,255			1,507			1,432			1,755			1,366			1,109			884			954			5,949			4,313
Redemptions	(1,322		)	(1,802		)	(1,323		)	(1,133		)	(1,042		)	(828		)	(1,056		)	(1,027		)	(5,580		)	(3,953		)
Net flows	(67		)	(295		)	109			622			324			281			(172		)	(73		)	369			360
Change in market value and other	104			(54		)	(378		)	67			259			379			132			330			(261		)	1,100
Ending balance	$	14,632		$	14,595		$	14,944		$	15,213		$	14,524		$	13,941		$	13,281		$	13,321		$	14,632		$	14,524
MULTI-STRATEGY INVESTMENTS [1]
Beginning balance	$	13,107		$	12,478		$	12,142		$	11,244		$	11,000		$	10,368		$	10,438		$	9,372		$	11,244		$	9,372
Sales	622			689			848			790			670			642			665			696			2,949			2,673
Redemptions	(632		)	(576		)	(521		)	(518		)	(606		)	(513		)	(436		)	(474		)	(2,247		)	(2,029		)
Net flows	(10		)	113			327			272			64			129			229			222			702			644
Change in market value and other	763			516			9			626			180			503			(299		)	844			1,914			1,228
Ending balance	$	13,860		$	13,107		$	12,478		$	12,142		$	11,244		$	11,000		$	10,368		$	10,438		$	13,860		$	11,244
TOTAL MUTUAL FUNDS [2]	$	70,918		$	66,759		$	63,608		$	65,808		$	61,611		$	61,282		$	59,343		$	63,260		$	70,918		$	61,611

[1] Includes balanced, allocation, target date and alternatives.

[2] Excludes annuity mutual fund assets.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

TALCOTT RESOLUTION

FINANCIAL HIGHLIGHTS

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
NET INCOME (LOSS)
U.S. Annuity	$	41		$	69		$	23		$	63		$	35		$	188		(19		)	198			$	196		$	402
International Annuity [1]	(78		)	(80		)	(407		)	(490		)	(176		)	(79		)	402			(465		)	(1,055		)	(318		)
Institutional and other [2] [3]	22			18			52			133			(7		)	(230		)	57			97			225			(83		)
Talcott Resolution net income (loss)	(15		)	7			(332		)	(294		)	(148		)	(121		)	440			(170		)	(634		)	1
Less: Unlock benefit (charge), after tax	47			(67		)	36			(541		)	39			(79		)	(146		)	214			(525		)	28
Less: Restructuring and other costs, after tax	—			(1		)	1			(1		)	(14		)	(21		)	(9		)	—			(1		)	(44		)
Less: Income (loss) from discontinued operations, after tax [1]	(2		)	(6		)	(124		)	(1		)	—			22			8			37			(133		)	67
Less: Net reinsurance gain (loss) on dispositions, after tax	—			—			1			44			—			(270		)	—			—			45			(270		)
Less: Net realized gains (losses) and other, after tax and DAC, excluded from core earnings	(233		)	(123		)	(442		)	43			(375		)	35			387			(637		)	(755		)	(590		)
Talcott Resolution core earnings [4]	$	173		$	204		$	196		$	162		$	202		$	192		$	200		$	216		$	735		$	810
CORE EARNINGS (LOSSES)
U.S. Annuity	$	81		$	89		$	79		$	73		$	96		$	74		$	80		$	96		$	322		$	346
International Annuity	72			91			96			69			63			73			65			71			328			272
Institutional and other [2]	20			24			21			20			43			45			55			49			85			192
Talcott Resolution core earnings [4]	$	173		$	204		$	196		$	162		$	202		$	192		$	200		$	216		$	735		$	810
UNLOCK IMPACT on NET INCOME (LOSS)
U.S. Annuity	$	1		$	(99	)	$	(9	)	$	3		$	(90	)	$	(74	)	$	(43	)	$	90		$	(104	)	$	(117	)
International Annuity	46			37			45			(544		)	138			3			(100		)	125			(416		)	166
Institutional and other [2]	—			(5		)	—			—			(9		)	(8		)	(3		)	(1		)	(5		)	(21		)
Talcott Resolution unlock impact on net income (loss)	$	47		$	(67	)	$	36		$	(541	)	$	39		$	(79	)	$	(146	)	$	214		$	(525	)	$	28

[1] The three months ended June 30, 2013 includes a loss on disposition of $102 and loss from discontinued operations of $22 for the period related to the U.K. variable annuity business.

[2] Other consists of the PPLI, Retirement Plans and Individual Life businesses, as well as residual income or tax benefits associated with the reinsurance of the policyholder and separate account liabilities of the Retirement Plans and Individual Life businesses. The Retirement Plans and Individual Life businesses were sold in January 2013.

[3] Includes derivative gains of $71 and $110 for the three months ended March 31, 2013 and December 31, 2012, respectively, primarily associated with previously terminated derivatives associated with fixed rate bonds sold in connection with the Retirement Plans and Individual Life business dispositions.

[4] For further information related to the discontinued operations of the U.K. variable annuity business, refer to Appendix - Basis of Presentation on page 37.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

TALCOTT RESOLUTION

SUPPLEMENTAL DATA

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013		Dec. 31 2012
CORE EARNINGS - RETURN ON ASSETS (bps, after tax) [1]
U.S. Annuity	45.0			49.0			42.3			38.4			50.1			38.1			39.6			46.8			43.6		44.3
Japan Annuity	118.0			135.4			133.1			88.4			77.4			90.5			76.1			83.9			119.7		82.7
FULL SURRENDER RATES [2]
U.S. variable annuity	14.5		%	20.3		%	17.5		%	14.5		%	10.4		%	10.4		%	13.0		%	9.6		%	16.7	%	11.1	%
Japan variable annuity	41.5		%	30.8		%	34.8		%	9.6		%	3.7		%	3.0		%	3.9		%	2.8		%	28.8	%	3.4	%
CONTRACT COUNTS (in thousands)
U.S. variable annuity	774			802			839			873			904			929			956			989
U.S. fixed annuity and other	170			176			180			184			186			189			193			199
Japan variable annuity	305			341			368			400			411			417			421			427
Japan fixed annuity and other	23			24			25			26			27			27			28			30
ACCOUNT VALUE (end of period)
U.S. variable annuity	$	61,812		$	61,512		$	62,579		$	65,500		$	64,824		$	66,707		$	66,538		$72,235
U.S. fixed annuity and other	10,142			10,455			10,670			10,797			10,848			11,006			11,228			11,507
Total U.S. Annuity account value	$	71,954		$	71,967		$	73,249		$	76,297		$	75,672		$	77,713		$	77,766		$83,742
Japan variable annuity	20,130			22,846			23,921			26,934			27,716			28,725			27,977			$	29,396
Japan fixed annuity and other	3,061			3,384			3,368			3,553			3,908			4,535			4,461			$	4,469
Total Japan Annuity account value	$	23,191		$	26,230		$	27,289		$	30,487		$	31,624		$	33,260		$	32,438		$	33,865

[1] Represents annualized earnings divided by a two-point average of assets under management.

[2] Represents annualized surrenders (full contract liquidation excluding partial withdrawals) divided by a two-point average of annuity account values.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

TALCOTT RESOLUTION

U.S. ANNUITY

ACCOUNT VALUE ROLLFORWARD

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
VARIABLE ANNUITIES
Beginning balance	$	61,512		$	62,579		$	65,500		$	64,824		$	66,707		$	66,538		$	72,235		$	68,760		$	64,824		$	68,760
Deposits	60			77			180			226			209			130			169			307			543			815
Partial withdrawals	(748		)	(647		)	(630		)	(710		)	(815		)	(711		)	(780		)	(815		)	(2,735		)	(3,121		)
Full surrenders	(2,235		)	(3,153		)	(2,805		)	(2,356		)	(1,717		)	(1,737		)	(2,251		)	(1,687		)	(10,549		)	(7,392		)
Death benefits/annuitizations/other [1]	(470		)	(445		)	(472		)	(468		)	(459		)	(388		)	(397		)	(449		)	(1,855		)	(1,693		)
Transfers	—			(2		)	(1		)	1			(1		)	1			—			3			(2		)	3
Net flows	(3,393		)	(4,170		)	(3,728		)	(3,307		)	(2,783		)	(2,705		)	(3,259		)	(2,641		)	(14,598		)	(11,388		)
Change in market value/change in reserve/interest credited and other	3,693			3,103			807			3,983			900			2,874			(2,438		)	6,116			11,586			7,452
Ending balance	$	61,812		$	61,512		$	62,579		$	65,500		$	64,824		$	66,707		$	66,538		$	72,235		$	61,812		$	64,824
FIXED MARKET VALUE ADJUSTED (“MVA”) AND OTHER
Beginning balance	$	10,455		$	10,670		$	10,797		$	10,848		$	11,006		$	11,228		$	11,507		$	11,631		$	10,848		$	11,631
Deposits	—			—			2			6			7			9			16			46			8			78
Surrenders	(381		)	(264		)	(161		)	(103		)	(167		)	(251		)	(298		)	(204		)	(909		)	(920		)
Death benefits/annuitizations/other [1]	(58		)	(64		)	(72		)	(74		)	(109		)	(105		)	(106		)	(102		)	(268		)	(422		)
Transfers	(2		)	(2		)	(3		)	—			—			2			(4		)	1			(7		)	(1		)
Net flows	(441		)	(330		)	(234		)	(171		)	(269		)	(345		)	(392		)	(259		)	(1,176		)	(1,265		)
Change in market value/change in reserve/interest credited and other	128			115			107			120			111			123			113			135			470			482
Ending balance	$	10,142		$	10,455		$	10,670		$	10,797		$	10,848		$	11,006		$	11,228		$	11,507		$	10,142		$	10,848
TOTAL U.S. ANNUITY
Beginning balance	$	71,967		$	73,249		$	76,297		$	75,672		$	77,713		$	77,766		$	83,742		$	80,391		$	75,672		$	80,391
Deposits	60			77			182			232			216			139			185			353			551			893
Surrenders	(3,364		)	(4,064		)	(3,596		)	(3,169		)	(2,699		)	(2,699		)	(3,329		)	(2,706		)	(14,193		)	(11,433		)
Death benefits/annuitizations/other [1]	(528		)	(509		)	(544		)	(542		)	(568		)	(493		)	(503		)	(551		)	(2,123		)	(2,115		)
Transfers	(2		)	(4		)	(4		)	1			(1		)	3			(4		)	4			(9		)	2
Net flows	(3,834		)	(4,500		)	(3,962		)	(3,478		)	(3,052		)	(3,050		)	(3,651		)	(2,900		)	(15,774		)	(12,653		)
Change in market value/change in reserve/interest credited and other	3,821			3,218			914			4,103			1,011			2,997			(2,325		)	6,251			12,056			7,934
Ending balance	$	71,954		$	71,967		$	73,249		$	76,297		$	75,672		$	77,713		$	77,766		$	83,742		$	71,954		$	75,672

[1] Includes transfers from the accumulation phase to the annuitization phase.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

TALCOTT RESOLUTION

JAPAN ANNUITY

ACCOUNT VALUE ROLL FORWARD

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
VARIABLE ANNUITIES
Beginning balance	$	22,846		$	23,921		$	26,934		$	27,716		$	28,725		$	27,977		$	29,396		$	29,233		$	27,716		$	29,233
Surrenders	(2,273		)	(1,842		)	(2,257		)	(694		)	(302		)	(255		)	(323		)	(250		)	(7,066		)	(1,130		)
Death benefits/annuitizations/other [1]	(392		)	(258		)	(206		)	(220		)	(203		)	(179		)	(176		)	(173		)	(1,076		)	(731		)
Net flows	(2,665		)	(2,100		)	(2,463		)	(914		)	(505		)	(434		)	(499		)	(423		)	(8,142		)	(1,861		)
Change in market value/change in reserve/interest credited	1,421			736			916			2,402			2,464			467			(1,829		)	2,586			5,475			3,688
Effect of currency translation	(1,472		)	289			(1,466		)	(2,270		)	(2,968		)	715			909			(2,000		)	(4,919		)	(3,344		)
Ending balance	$	20,130		$	22,846		$	23,921		$	26,934		$	27,716		$	28,725		$	27,977		$	29,396		$	20,130		$	27,716
FIXED MARKET VALUE ADJUSTED ("MVA") AND OTHER
Beginning balance	$	3,384		$	3,368		$	3,553		$	3,908		$	4,535		$	4,461		$	4,469		$	4,786		$	3,908		$	4,786
Surrenders	(28		)	(28		)	(26		)	(41		)	(47		)	(58		)	(152		)	(47		)	(123		)	(304		)
Death benefits/annuitizations/other [1]	(100		)	(15		)	(18		)	(13		)	(180		)	(3		)	(18		)	1			(146		)	(200		)
Net flows	(128		)	(43		)	(44		)	(54		)	(227		)	(61		)	(170		)	(46		)	(269		)	(504		)
Change in market value/change in reserve/interest credited	25			18			28			37			42			22			23			40			108			127
Effect of currency translation	(220		)	41			(169		)	(338		)	(442		)	113			139			(311		)	(686		)	(501		)
Ending balance	$	3,061		$	3,384		$	3,368		$	3,553		$	3,908		$	4,535		$	4,461		$	4,469		$	3,061		$	3,908
TOTAL JAPAN ANNUITY
Beginning balance	$	26,230		$	27,289		$	30,487		$	31,624		$	33,260		$	32,438		$	33,865		$	34,019		$	31,624		$	34,019
Surrenders	(2,301		)	(1,870		)	(2,283		)	(735		)	(349		)	(313		)	(475		)	(297		)	(7,189		)	(1,434		)
Death benefits/annuitizations/other [1]	(492		)	(273		)	(224		)	(233		)	(383		)	(182		)	(194		)	(172		)	(1,222		)	(931		)
Net flows	(2,793		)	(2,143		)	(2,507		)	(968		)	(732		)	(495		)	(669		)	(469		)	(8,411		)	(2,365		)
Change in market value/change in reserve/interest credited	1,446			754			944			2,439			2,506			489			(1,806		)	2,626			5,583			3,815
Effect of currency translation	(1,692		)	330			(1,635		)	(2,608		)	(3,410		)	828			1,048			(2,311		)	(5,605		)	(3,845		)
Ending balance	$	23,191		$	26,230		$	27,289		$	30,487		$	31,624		$	33,260		$	32,438		$	33,865		$	23,191		$	31,624

[1] Includes transfers from the accumulation phase to the annuitization phase.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

TALCOTT RESOLUTION

ANNUITY DEATH AND LIVING BENEFITS

	AS OF:
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012
U.S. Variable Annuity Business
S&P 500 index value at end of period	1,848			1,682			1,606			1,569			1,426			1,441			1,362			1,408
Total account value with guaranteed minimum death benefits (“GMDB”)	$	61,812		$	61,512		$	62,579		$	65,500		$	64,824		$	66,707		$	66,538		$	72,235
GMDB gross net amount of risk ("NAR")	4,325			4,657			5,195			5,349			6,610			7,187			8,998			7,698
% of GMDB NAR reinsured	76		%	75		%	72		%	72		%	67		%	66		%	62		%	65		%
GMDB retained NAR [2]	1,026			1,183			1,457			1,498			2,168			2,458			3,461			2,724
GMDB net GAAP liability	316			301			298			293			310			308			337			322
Total account value with guaranteed minimum withdrawal benefits (“GMWB”)	$	30,262		$	30,907		$	32,035		$	34,106		$	34,218		$	34,836		$	35,127		$	38,312
GMWB gross NAR	167			228			344			361			650			761			1,198			847
% of GMWB NAR reinsured	20		%	18		%	18		%	19		%	17		%	16		%	16		%	16		%
GMWB retained NAR [2]	134			187			282			293			540			636			1,009			711
GMWB net GAAP (asset) liability	(3		)	158			513			651			1,022			1,179			1,790			1,355
Japan Variable Annuity Business
Yen / $	105.1			98.1			99.3			94.0			86.5			77.8			79.8			82.3
Yen / Euro	144.8			132.8			129.1			120.7			114.5			100.2			101.0			110.6
Total account value with GMDB	$	20,130		$	22,846		$	23,921		$	26,934		$	27,716		$	28,725		$	27,977		$	29,396
GMDB gross NAR	779			1,624			2,218			3,091			5,736			9,107			9,477			7,580
% of GMDB NAR reinsured	29		%	23		%	21		%	20		%	16		%	13		%	13		%	15		%
GMDB retained NAR	552			1,250			1,760			2,467			4,831			7,882			8,236			6,469
Total account value with guaranteed minimum income benefits (“GMIB”) [1]	$	18,483		$	21,102		$	22,174		$	25,129		$	25,960		$	26,917		$	26,119		$	27,350
GMIB retained NAR [2]	128			509			851			1,280			3,316			6,092			6,470			4,785
GMDB/GMIB net GAAP liability	249			336			383			468			621			874			847			704

[1] Total GMIB account value also includes other living benefits.

[2] Policies with a guaranteed living benefit (a GMWB in the U.S., or a GMIB in Japan) also have a guaranteed death benefit. The net amount at risk (“NAR”) for each benefit is shown. These benefits are not additive. When a policy terminates due to death, any NAR related to GMWB or GMIB is released. Similarly, when a policy goes into benefit status on a GMWB or, by contract, the GMDB NAR is reduced to zero. When a policy goes into benefit status on a GMIB, its GMDB NAR is released.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

VARIABLE ANNUITY GUARANTEED BENEFITS

($ in billions)

	As of Dec. 31 2013
	Account Value		Gross Net Amount at Risk		Retained Net Amount at Risk		% of Contracts In the Money[2]		% In the Money[2][3]
U. S. variable annuity [1]
GMDB	$	61.8	$	4.3	$	1.0	16	%	26	%
GMWB	30.3		0.2		0.1		5	%	12	%
Japan variable annuity [1]
GMDB	20.1		0.8		0.6		31	%	8	%
GMIB	18.5		0.1		0.1		20	%	3	%

	As of Dec. 31 2012
	Account Value		Gross Net Amount at Risk		Retained Net Amount at Risk		% of Contracts In the Money[2]		% In the Money[2][3]
U. S. variable annuity [1]
GMDB	$	64.8	$	6.6	$	2.2	48	%	13	%
GMWB	34.2		0.7		0.5		23	%	9	%
Japan variable annuity [1]
GMDB	27.7		5.7		4.8		98	%	18	%
GMIB	26.0		3.3		3.3		97	%	12	%

[1] Policies with a guaranteed living benefit (a GMWB in the U.S. or a GMIB in Japan) also have a guaranteed death benefit. The net amount at risk (“NAR”) for each benefit is shown; however these benefits are not additive. When a policy terminates due to death, any NAR related to GMWB or GMIB is released. Similarly, when a policy goes into benefit status on a GMWB or, by contract, the GMDB NAR is reduced to zero. When a policy goes into benefit status on a GMIB, its GMDB NAR is released.

[2] Excludes contracts that are fully reinsured.

[3] For all contracts that are “in the money”, this represents the percentage by which the average contract was in the money.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CORPORATE

INCOME STATEMENTS

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Fee income	$	4		$	2		$	2		$	3		$	25		$	45		$	45		$	52		$	11		$	167
Net investment income (loss)	8			6			—			13			26			8			3			(6		)	27			31
Other revenues	1			—			—			—			1			—			—			—			1			1
Net realized capital gains (losses)	2			(5		)	10			(96		)	84			9			17			15			(89		)	125
Total revenues	15			3			12			(80		)	136			62			65			61			(50		)	324
Benefits, losses and loss adjustment expenses (income)	—			—			—			—			—			1			(1		)	—			—			—
Insurance operating costs and other expenses [1]	34			(60		)	14			26			48			57			63			76			14			244
Loss on extinguishment of debt [2]	—			—			—			213			—			—			910			—			213			910
Reinsurance loss on dispositions [3]	—			—			—			69			—			118			—			—			69			118
Interest expense	96			94			100			107			109			109			115			124			397			457
Restructuring and other costs	15			14			19			16			67			17			28			9			64			121
Total benefits and expenses	145			48			133			431			224			302			1,115			209			757			1,850
Loss before income taxes	(130		)	(45		)	(121		)	(511		)	(88		)	(240		)	(1,050		)	(148		)	(807		)	(1,526		)
Income tax benefit	(36		)	(17		)	(46		)	(153		)	(49		)	(44		)	(372		)	(52		)	(252		)	(517		)
Net loss	(94		)	(28		)	(75		)	(358		)	(39		)	(196		)	(678		)	(96		)	(555		)	(1,009		)
Less: Restructuring and other costs, after tax	(10		)	(9		)	(12		)	(10		)	(43		)	(11		)	(18		)	(6		)	(41		)	(78		)
Less: Loss on extinguishment of debt, after tax [2]	—			—			—			(138		)	—			—			(587		)	—			(138		)	(587		)
Less: Net reinsurance loss on dispositions, after tax [3]	—			—			—			(69		)	—			(118		)	—			—			(69		)	(118		)
Less: Net realized capital gains (losses), after tax and DAC, excluded from core losses	8			(3		)	6			(68		)	59			9			7			12			(57		)	87
Core losses	$	(92	)	$	(16	)	$	(69	)	$	(73	)	$	(55	)	$	(76	)	$	(80	)	$	(102	)	$	(250	)	$	(313	)

[1] In the three months ended September 30, 2013 insurance operating costs and other expenses include a benefit of $57, before tax, for an insurance recovery from the Company's insurers for past legal expenses associated with closed litigation and a benefit of $19, before tax, from the resolution of items under the Company's spin-off agreement with its former parent company.

[2] In the three months ended March 31, 2013 the Company repurchased approximately $800 of outstanding senior notes and debentures. In the three months ended June 30, 2012 the Company repurchased all outstanding 10% fixed-to-floating rate junior subordinated debentures due 2068 with a $1.75 billion aggregate principal amount held by Allianz. Loss on extinguishment of debt consists of the premium associated with repurchasing the debentures at an amount greater than the face amount, the write-off of the unamortized discount and debt issuance and other costs related to the repurchase transactions.

[3] In the three months ended March 31, 2013 reinsurance loss on dispositions consists of a reduction in goodwill related to the sale of the Retirement Plans business. In the three months ended September 30, 2013, reinsurance loss on dispositions consists of a goodwill impairment charge related to the sale of the Individual Life business.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

INVESTMENT EARNINGS BEFORE TAX

CONSOLIDATED

	THREE MONTHS ENDED																YEAR ENDED
	Dec. 31 2013		Sept. 30 2013		Jun. 30 2013		Mar. 31 2013		Dec. 31 2012		Sept. 30 2012		Jun. 30 2012		Mar. 31 2012		Dec. 31 2013		Dec. 31 2012
Net Investment Income (Loss)
Fixed maturities [1]
Taxable	514		540		548		554		708		710		725		735		2,156		2,878
Tax-exempt	118		117		116		116		117		118		119		120		467		474
Total fixed maturities	632		657		664		670		825		828		844		855		2,623		3,352
Equity securities, trading	1,432		878		1,189		2,562		2,630		635		(1,662	)	2,761		6,061		4,364
Equity securities, available-for-sale	9		7		8		6		14		5		8		10		30		37
Mortgage loans	70		65		62		65		84		88		86		79		262		337
Policy loans	21		20		22		20		29		30		30		30		83		119
Limited partnerships and other alternative investments [2]	80		46		95		66		44		28		72		52		287		196
Other [3]	50		47		45		58		71		75		82		69		200		297
Subtotal	2,294		1,720		2,085		3,447		3,697		1,689		(540	)	3,856		9,546		8,702
Investment expense	(35	)	(30	)	(29	)	(29	)	(29	)	(26	)	(28	)	(28	)	(123	)	(111	)
Total net investment income	2,259		1,690		2,056		3,418		3,668		1,663		(568	)	3,828		9,423		8,591
Less: Equity securities, trading	1,432		878		1,189		2,562		2,630		635		(1,662	)	2,761		6,061		4,364
Total net investment income, excluding equity securities, trading	827		812		867		856		1,038		1,028		1,094		1,067		3,362		4,227
Annualized investment yield, before tax [4] [5]	4.3	%	4.2	%	4.4	%	4.3	%	4.3	%	4.2	%	4.5	%	4.4	%	4.3	%	4.3	%
Annualized investment yield, after-tax [4]	3.0	%	2.9	%	3.1	%	3.0	%	2.9	%	2.9	%	3.1	%	3.0	%	3.0	%	3.0	%

[1] Includes income on short-term bonds.

[2] Includes income on real estate joint ventures and hedge fund investments outside of limited partnerships.

[3] Primarily represents income from derivatives that qualify for hedge accounting and are used to hedge fixed maturities.

[4] Represents annualized net investment income (excluding income related to equity securities, trading) divided by the monthly average invested assets at cost, amortized cost, or adjusted carrying value, as applicable, excluding equity securities, trading, repurchase agreement and dollar roll collateral, and consolidated variable interest entity non-controlling interests. Yield calculations for the three months ended March 31, 2013 and year ended December 31, 2013 exclude assets transfered due to the sale of the Retirement Plans and Individual Life businesses. Yield calculations for all periods exclude income and assets associated with the disposal of the Hartford Life International Limited business.

[5] Annualized investment yield, excluding the impact of the sale of the Retirement Plans and Individual Life businesses, was 4.2% for the three months ended December 31, 2012.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

INVESTMENT EARNINGS BEFORE TAX

PROPERTY & CASUALTY COMBINED

	THREE MONTHS ENDED																YEAR ENDED
	Dec. 31 2013		Sept. 30 2013		Jun. 30 2013		Mar. 31 2013		Dec. 31 2012		Sept. 30 2012		Jun. 30 2012		Mar. 31 2012		Dec. 31 2013		Dec. 31 2012
Net Investment Income (Loss)
Fixed maturities [1]
Taxable	165		168		175		172		175		171		175		183		680		704
Tax-exempt	92		92		91		92		92		93		94		94		367		373
Total fixed maturities	257		260		266		264		267		264		269		277		1,047		1,077
Equity securities, available-for-sale	4		3		4		2		4		3		4		4		13		15
Mortgage loans	16		13		11		12		12		12		12		10		52		46
Limited partnerships and other alternative investments [2]	46		20		50		39		19		15		31		26		155		91
Other [3]	12		9		16		3		9		8		10		7		40		34
Subtotal	335		305		347		320		311		302		326		324		1,307		1,263
Investment expense	(11	)	(9	)	(9	)	(8	)	(10	)	(7	)	(7	)	(7	)	(37	)	(31	)
Total net investment income	324		296		338		312		301		295		319		317		1,270		1,232
Annualized investment yield, before tax [4]	4.5	%	4.2	%	4.8	%	4.5	%	4.3	%	4.2	%	4.6	%	4.5	%	4.5	%	4.3	%
Annualized investment yield, after-tax [4]	3.5	%	3.1	%	3.6	%	3.5	%	3.1	%	3.2	%	3.4	%	3.4	%	3.4	%	3.1	%

[1] Includes income on short-term bonds.

[2] Includes income on real estate joint ventures and hedge fund investments outside of limited partnerships.

[3] Primarily represents income from derivatives that hedge fixed maturities and qualify for hedge accounting.

[4] Represents annualized net investment income divided by the monthly average invested assets at cost, amortized cost, or adjusted carrying value, as applicable, excluding repurchase agreement

and dollar roll collateral, consolidated variable interest entity non-controlling interests, and derivatives book value.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

NET INVESTMENT INCOME BY SEGMENT

CONSOLIDATED

	THREE MONTHS ENDED																				YEAR ENDED
	Dec. 31 2013		Sept. 30 2013		Jun. 30 2013		Mar. 31 2013		Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013		Dec. 31 2012
Net Investment Income (Loss)
Commercial Markets	$	252	$	230	$	262	$	240	$	228		$	222		$	239		$	235		$	984	$	924
Consumer Markets	36		33		39		37		37			38			41			43			145		159
P&C Other Operations	36		33		37		35		36			35			39			39			141		149
Total Property & Casualty	324		296		338		312		301			295			319			317			1,270		1,232
Group Benefits	97		96		100		97		101			98			107			99			390		405
Mutual Funds	—		—		—		—		(1		)	(1		)	—			(1		)	—		(3		)
Talcott Resolution	398		414		429		434		611			628			665			658			1,675		2,562
Corporate	8		6		—		13		26			8			3			(6		)	27		31
Total net investment income, excluding equity securities, trading	$	827	$	812	$	867	$	856	$	1,038		$	1,028		$	1,094		$	1,067		$	3,362	$	4,227
Equity securities, trading	1,432		878		1,189		2,562		2,630			635			(1,662		)	2,761			6,061		4,364
Total net investment income	$	2,259	$	1,690	$	2,056	$	3,418	$	3,668		$	1,663		$	(568	)	$	3,828		$	9,423	$	8,591

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMPONENTS OF NET REALIZED CAPITAL GAINS (LOSSES)

CONSOLIDATED

	THREE MONTHS ENDED																								YEAR ENDED
	Dec. 31 2013			Sept. 30 2013			Jun. 30 2013			Mar. 31 2013			Dec. 31 2012			Sept. 30 2012			Jun. 30 2012			Mar. 31 2012			Dec. 31 2013			Dec. 31 2012
Net Realized Capital Gains (Losses)
Gross gains on sales [1]	$	353		$	106		$	211		$	1,717		$	155		$	194		$	245		$	227		2,387			821
Gross losses on sales	(353		)	(139		)	(118		)	(82		)	(54		)	(131		)	(158		)	(97		)	(692		)	(440		)
Net impairment losses [2]	(14		)	(26		)	(12		)	(21		)	(185		)	(37		)	(98		)	(29		)	(73		)	(349		)
Valuation allowances on mortgage loans	(1		)	—			—			—			13			—			—			1			(1		)	14
Japan fixed annuity contract hedges, net [3]	10			(8		)	1			3			6			(24		)	2			(20		)	6			(36		)
Periodic net coupon settlements on credit derivatives/Japan [4]	(4		)	3			—			(6		)	(11		)	2			4			(5		)	(7		)	(10		)
Results of variable annuity hedge program
U.S. GMWB derivatives, net	43			203			(31		)	47			68			381			(115		)	185			262			519
U.S. macro hedge	(52		)	(50		)	(47		)	(85		)	(48		)	(109		)	6			(189		)	(234		)	(340		)
Total U.S. program	(9		)	153			(78		)	(38		)	20			272			(109		)	(4		)	28			179
International program	(387		)	(286		)	(742		)	(171		)	(810		)	(176		)	720			(1,201		)	(1,586		)	(1,467		)
Total results of variable annuity hedge program	(396		)	(133		)	(820		)	(209		)	(790		)	96			611			(1,205		)	(1,558		)	(1,288		)
Other net gain (loss) [5]	116			35			90			204			388			(5		)	(39		)	200			445			544
Total net realized capital gains (losses), before tax and DAC	$	(289	)	$	(162	)	$	(648	)	$	1,606		$	(478	)	$	95		$	567		$	(928	)	$	507		$	(744	)
Less: Realized gain on dispositions, before tax	—			—			1			1,574			—			—			—			—			1,575			—
Less: Realized gains (losses), included in core earnings, before tax	(3		)	4			2			(5		)	(10		)	9			9			(1		)	(2		)	7
Total net realized capital gains (losses) and other, before tax and DAC, excluded from core earnings (losses)	(286		)	(166		)	(651		)	37			(468		)	86			558			(927		)	(1,066		)	(751		)
Less: Impacts of DAC	(10		)	28			(6		)	(6		)	(31		)	(6		)	(25		)	(44		)	6			(106		)
Less: Impacts of tax	(99		)	(64		)	(232		)	24			(155		)	31			201			(312		)	(371		)	(235		)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(177	)	$	(130	)	$	(413	)	$	19		$	(282	)	$	61		$	382		$	(571	)	$	(701	)	$	(410	)

[1] Includes $1.5 billion of gains for the three months ended March 31, 2013 and the year ended December 31, 2013 relating to the sales of the Retirement Plans and Individual Life businesses.

[2] Includes $177 of intent-to-sell impairments for the three months and year ended December 31, 2012 relating to the sales of the Retirement Plans and Individual Life businesses.

[3] Relates to the Japan fixed annuity product (adjustment of product liability for changes in spot currency exchange rates, related derivative hedging instruments excluding periodic net coupon settlements, and Japan FVO securities).

[4] Included in core earnings.

[5] Primarily consists of transactional foreign currency re-valuation associated with the internal reinsurance of the Japan variable annuity business, which is offset in AOCI, and changes in value of non-qualifying derivatives and Japan 3Win related foreign currency swaps. Includes $71 and $110 of derivative gains relating to the sales of the Retirement Plans and Individual Life businesses for the three months ended March 31, 2013 and December 31, 2012, respectively.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMPOSITION OF INVESTED ASSETS

CONSOLIDATED

	Dec. 31 2013				Sept. 30 2013				Jun. 30 2013				Mar. 31 2013				Dec. 31 2012
	Amount [1]		Percent		Amount [1]		Percent		Amount [1]		Percent		Amount [1]		Percent		Amount [1] [2]		Percent
Total investments	$	98,401	100.0	%	$	103,064	100.0	%	$	105,520	100.0	%	$	114,838	100.0	%	$	134,250	100.0	%
Less: Equity securities, trading	19,745		20.1	%	22,343		21.7	%	23,362		22.1	%	28,099		24.5	%	28,933		21.6	%
Total investments excluding trading securities	$	78,656	79.9	%	$	80,721	78.3	%	$	82,158	77.9	%	$	86,739	75.5	%	$	105,317	78.4	%
Asset-backed securities	$	2,365	3.8	%	$	2,362	3.7	%	$	2,453	3.8	%	$	2,422	3.5	%	$	2,763	3.2	%
Collateralized debt obligations	2,387		3.8	%	2,550		4.0	%	2,623		4.0	%	2,558		3.7	%	3,040		3.5	%
Commercial mortgage-backed securities	4,446		7.1	%	4,489		7.0	%	4,733		7.3	%	5,205		7.5	%	6,321		7.4	%
Corporate	28,490		45.7	%	28,770		45.0	%	29,666		45.7	%	31,468		45.2	%	44,049		51.3	%
Foreign government/government agencies	4,104		6.6	%	3,968		6.2	%	3,825		5.9	%	3,927		5.6	%	4,136		4.8	%
Municipal	12,173		19.5	%	12,543		19.6	%	12,569		19.4	%	13,238		19.0	%	14,361		16.7	%
Residential mortgage-backed securities	4,647		7.5	%	5,086		7.9	%	5,167		8.0	%	6,716		9.6	%	7,480		8.7	%
U.S. Treasuries	3,745		6.0	%	4,255		6.6	%	3,845		5.9	%	4,133		5.9	%	3,772		4.4	%
Total fixed maturities, AFS [3]	$	62,357	100.0	%	$	64,023	100.0	%	$	64,881	100.0	%	$	69,667	100.0	%	$	85,922	100.0	%
U.S. government/government agencies	$	8,208	13.2	%	$	8,923	13.9	%	$	8,588	13.2	%	$	10,563	15.2	%	$	10,975	12.8	%
AAA	6,376		10.2	%	6,377		10.0	%	6,638		10.2	%	7,265		10.4	%	9,220		10.7	%
AA	12,273		19.7	%	12,923		20.2	%	13,273		20.5	%	13,877		19.9	%	16,104		18.7	%
A	15,498		24.9	%	15,412		24.1	%	15,514		23.9	%	17,007		24.4	%	22,650		26.4	%
BBB	16,087		25.7	%	16,187		25.2	%	16,570		25.6	%	17,079		24.5	%	22,689		26.4	%
BB & below	3,915		6.3	%	4,201		6.6	%	4,298		6.6	%	3,876		5.6	%	4,284		5.0	%
Total fixed maturities, AFS [3]	$	62,357	100.0	%	$	64,023	100.0	%	$	64,881	100.0	%	$	69,667	100.0	%	$	85,922	100.0	%

[1] Represents the value at which the assets are carried on the Consolidating Balance Sheets. Consolidating Balance Sheets as of December 31, 2013 and December 31, 2012 are presented on page 4.

[2] Total investments as of December 31, 2012 include $17.3 billion in carrying value of assets transferred by the Company in connection with the sale of the Retirement Plans and Individual Life businesses in January 2013.

[3] Available-for-sale ("AFS").

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

INVESTED ASSET EXPOSURES

AS OF DECEMBER 31, 2013

	Cost or Amortized Cost		Fair Value		Percent of Total Invested Assets [1]
Top Ten Corporate and Equity, AFS, Exposures by Sector
Utilities	$	5,700	$	6,034	7.7	%
Financial Services	5,277		5,400		6.9	%
Consumer non-cyclical	3,604		3,871		4.9	%
Technology and communications	3,223		3,418		4.4	%
Basic Industry	2,572		2,678		3.4	%
Energy	2,384		2,541		3.1	%
Capital goods	2,077		2,224		2.8	%
Consumer cyclical	1,823		1,925		2.5	%
Transportation	972		1,024		1.3	%
Other	231		242		0.3	%
Total	$	27,863	$	29,357	37.3	%
Top Ten Exposures by Issuer [2]
Government of Japan [3]	$	2,743	$	2,649	3.4	%
Goldman Sachs Group Inc.	295		305		0.4	%
State of Illinois	293		290		0.4	%
State of California	269		283		0.4	%
JP Morgan Chase & Co.	297		273		0.3	%
HSBC Holdings PLC	280		271		0.3	%
National Grid PLC	243		264		0.3	%
Commonwealth of Massachusetts	241		260		0.3	%
Verizon Communications Inc.	202		221		0.3	%
Glencore Xstrata PLC	206		210		0.3	%
Total	$	5,069	$	5,026	6.4	%

[1] Excludes equity securities, trading.  

[2] Excludes U.S. government and government agency securities, mortgage obligations issued by government sponsored agencies, cash equivalent securities, exposures resulting from

derivative transactions and equity securities, trading.

[3] These securities are included in short-term investments, fixed maturities, AFS, and fixed maturities, fair value option on the Company’s Consolidating Balance Sheets.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

APPENDIX

BASIS OF PRESENTATION AND DEFINITIONS

All amounts are in millions, except for per share and ratio information unless otherwise stated.

The Hartford Financial Services Group, Inc. (the "Company", "we", or "our") currently conducts business principally in six reporting segments, Property & Casualty Commercial, Consumer Markets, Property & Casualty Other Operations, Group Benefits, Mutual Funds and Talcott Resolution, as well as a Corporate category. On December 12, 2013, the Company completed the sale of the U.K. variable annuity business of Hartford Life International Limited ("HLIL"), an indirect wholly-owned subsidiary. Financial results for the Company's U.K. variable annuities business, as well as the former Retirement Plans and Individual Life businesses are reported in the Talcott Resolution segment which also includes U.S. Annuity, International Annuity, Institutional and Private Placement Life Insurance.

The consolidating balance sheets and certain balance sheet measures incorporated herein are presented as follows: Life consists of Talcott Resolution, Mutual Funds, Group Benefits, and an Other category. Property & Casualty ("P&C") consists of P&C Commercial, Consumer Markets and P&C Other Operations. Corporate consists of the Corporate category.

Property & Casualty is organized into three reporting segments; P&C Commercial, Consumer Markets and P&C Other Operations ("Property & Casualty Combined"). P&C Commercial provides workers' compensation, property, automobile, liability and umbrella coverages under several different products, primarily throughout the United States (“U.S.”), within its standard commercial lines, which consists of the Company's small commercial and middle market lines of business. Additionally, a variety of customized insurance products and risk management services including workers' compensation, automobile, general liability, professional liability, fidelity, surety, livestock and specialty casualty coverages are offered through the segment's specialty lines. Consumer Markets provides standard automobile, homeowners and home-based business coverages to individuals across the U.S., including a special program designed exclusively for members of AARP. P&C Other Operations includes certain property and casualty operations, currently managed by the Company, that have discontinued writing new business and substantially all of the Company's asbestos and environmental exposures.

Group Benefits provides employers, associations, affinity groups and financial institutions with group life, accident and disability coverage, along with other products and services, including voluntary benefits and group retiree health.

Mutual Funds offers mutual funds for retail accounts such as retirement plans and 529 college savings plans and provides investment-management and administrative services such as product design, implementation and oversight.

Talcott Resolution is comprised of runoff business from the Company's U.S. annuity, international (entirely Japan) annuity, and institutional and private-placement life insurance businesses, as well as the Retirement Plans and Individual Life businesses sold in January 2013 and the U.K. variable annuity business sold in December 2013.

Corporate includes the Company's debt financing and related interest expense, as well as other capital raising activities, certain purchase accounting adjustments and other charges not allocated to the segments.

Certain operating and statistical measures have been incorporated herein to provide supplemental data that indicate current trends in the Company's business. These measures include sales, deposits, net flows, account value, insurance in-force, premium retention, renewal written price increases and policy count retention. Premium retention is defined as renewal premium written in the current period divided by total premium written in the prior period. Renewal written price increases represent the combined effect of rate changes and amount of insurance per unit of exposure since the prior year. Policy count retention represents the ratio of the number of policies renewed during the period divided by the number of policies from the previous policy term period.

The Company, along with others in the property and casualty insurance industry, uses underwriting ratios as measures of performance. The loss and loss adjustment expense ratio is the ratio of losses and loss adjustment expenses to earned premiums. The expense ratio is the ratio of underwriting expenses (amortization of deferred policy acquisition costs, as well as other underwriting expenses) to earned premiums. The policyholder dividend ratio is the ratio of policyholder dividends to earned premiums. The combined ratio is the sum of the loss and loss adjustment expense ratio, the expense ratio and the policyholder dividend ratio. These ratios are relative measurements that describe the related cost of losses and expenses for every $100 of earned premiums. A combined ratio below 100 demonstrates underwriting profit; a combined ratio above 100 demonstrates underwriting losses. The catastrophe ratio (a component of the loss ratio) represents the ratio of catastrophe losses to earned premiums.

The Company, along with others in the life insurance industry, uses underwriting ratios as measures of the Group Benefits segment's performance. The loss ratio is the ratio of total benefits, losses and loss adjustment expenses, excluding buyouts, to total premiums and other considerations excluding buyout premiums. The expense ratio is the ratio of insurance operating costs and other expenses to total premiums and other considerations excluding buyout premiums.

DISCUSSION OF NON-GAAP AND OTHER FINANCIAL MEASURES

The Company uses non-GAAP and other financial measures in this Investor Financial Supplement to assist investors in analyzing the Company's operating performance for the periods presented herein. Because the Company's calculation of these measures may differ from similar measures used by other companies, investors should be careful when comparing the Company's non-GAAP and other financial measures to those of other companies.

The Company uses the non-GAAP financial measure core earnings as an important measure of the Company's operating performance. We believe that core earnings provides investors with a valuable measure of the performance of the Company's ongoing businesses because it reveals trends in our insurance and financial services businesses that may be obscured by including the net effect of certain realized capital gains and losses, discontinued operations, loss on extinguishment of debt, gains and losses from disposal of businesses, certain restructuring charges and the impact of Unlocks to deferred policy acquisition costs (“DAC”), sales inducement assets ("SIA"), unearned revenue reserve ("URR") and death and other insurance benefit reserve balances. Some realized capital gains and losses are primarily driven by investment decisions and external economic developments, the nature and timing of which are unrelated to the insurance and underwriting aspects of our business. Accordingly, core earnings excludes the effect of all realized gains and losses (after tax and the effects of DAC) that tend to be highly variable from period to period based on capital market conditions. We believe, however, that some realized capital gains and losses are integrally related to our insurance operations, so core earnings includes net realized gains and losses such as net periodic settlements on credit derivatives and net periodic settlements on the Japan fixed annuity cross-currency swap. These net realized gains and losses are directly related to an offsetting item included in the income statement such as net investment income. Net income is the most directly comparable GAAP measure. Core earnings should not be considered as a substitute for net income and does not reflect the overall profitability of the Company's business. Therefore, we believe that it is useful for investors to evaluate both net income and core earnings when reviewing the Company's performance. A reconciliation of core earnings to net income (loss) for the periods presented herein is set forth on page 2.

Core earnings per share is calculated based on the non-GAAP financial measure core earnings. We believe that the measure core earnings per share provides investors with a valuable measure of the Company's operating performance for many of the same reasons applicable to its underlying measure, core earnings. Net income per share is the most directly comparable GAAP measure. Core earnings per share should not be considered as a substitute for net income per share and does not reflect the overall profitability of the Company's business. Therefore, we believe that it is useful for investors to evaluate both net income per share and core earnings per share when reviewing our performance.

Book value per common share excluding AOCI is calculated based upon a non-GAAP financial measure. It is calculated by dividing (a) common stockholders' equity, excluding AOCI, after tax, by (b) common shares outstanding. The Company provides book value per common share excluding AOCI to enable investors to analyze the amount of the Company's net worth that is primarily attributable to the Company's business operations. We believe book value per common share, excluding AOCI, is useful to investors because it eliminates the effect of items that can fluctuate significantly from period to period, primarily based on changes in interest rates. Book value per common share is the most directly comparable GAAP measure. A reconciliation of book value per common share to book value per common share, excluding AOCI, for the periods presented herein is set forth at page 1.

Book value per diluted share, excluding AOCI, is calculated based upon a non-GAAP financial measure. It is calculated by dividing (a) total stockholders' equity, excluding AOCI, after tax, by (b) common shares outstanding and dilutive potential common shares. The Company provides book value per diluted share excluding AOCI to enable investors to analyze the amount of the Company's net worth that is primarily attributable to the Company's business operations. We believe book value per diluted share, excluding AOCI, is useful to investors because it eliminates the effect of items that can fluctuate significantly from period to period, primarily based on changes in interest rates. Book value per diluted share is the most directly comparable GAAP measure. A reconciliation of book value per diluted share to book value per diluted share, excluding AOCI, for the periods presented herein is set forth at page 1.

The Company provides different measures of the return on common equity (“ROE”). ROE (core earnings last twelve months to common equity, excluding AOCI), is calculated based on non-GAAP financial measures. ROE (core earnings last twelve months to common equity, excluding AOCI) is calculated by dividing (a) core earnings for the prior four fiscal quarters by (b) average common stockholders' equity, excluding AOCI. When calculating ROE, the Mandatory Convertible preferred stock (“MCP”) is included in average common stockholders' equity and MCP dividends are added back to net income (loss) available to common shareholders and core earnings (losses) available to common shareholders. The Company provides to investors return-on-equity measures based on its non-GAAP core earnings financial measures for the reasons set forth in the related discussion above. The Company excludes AOCI in the calculation of these return-on-equity measures to provide investors with a measure of how effectively the Company is investing the portion of the Company's net worth that is primarily attributable to the Company's business operations. ROE (net income last twelve months to common equity, including AOCI) is the most directly comparable GAAP measure.

Written premiums is a statutory accounting financial measure used by the Company as an important indicator of the operating performance of the Company's P&C Commercial and Consumer Markets operations. Because writtenpremiums represents the amount of premium charged for policies issued, net of reinsurance, during a fiscal period, the Company believes it is useful to investors because it reflects current trends in the Company's sale of property and casualty insurance products. Earned premiums, the most directly comparable GAAP measure, represents all premiums that are recognized as revenues during a fiscal period. The difference between written premiums and earned premiums is attributable to the change in unearned premium reserves. A reconciliation of written premiums to earned premiums for P&C Commercial and Consumer Markets is set forth herein on pages 12 and 15, respectively.

The Company's management evaluates profitability of the P&C businesses primarily on the basis of underwriting gain (loss). Underwriting gain (loss) is a before tax measure that represents earned premiums less incurred losses, loss adjustment expenses and underwriting expenses. Underwriting gain (loss) is influenced significantly by earned premium growth and the adequacy of the Company's pricing. Underwriting profitability over time is also greatly influenced by the Company's underwriting discipline, which seeks to manage exposure to loss through favorable risk selection and diversification, its management of claims, its use of reinsurance and its ability to manage its expense ratio, which it accomplishes through economies of scale and its management of acquisition costs and other underwriting expenses. We believe that underwriting gain (loss) provides investors with a valuable measure of before tax profitability derived from underwriting activities, which are managed separately from the Company's investing activities.

A catastrophe is a severe loss, resulting from natural or manmade events, including risks such as fire, earthquake, windstorm, explosion, terrorist attack and similar events. Each catastrophe has unique characteristics. Catastrophes are not predictable as to timing or loss amount in advance, and therefore their effects are not included in earnings or losses and loss adjustment expense reserves prior to occurrence. The Company believes that a discussion of the effect of catastrophes is meaningful for investors to understand the variability of periodic earnings.

After-tax margin, excluding buyouts and realized gains (losses), is a non-GAAP financial measure that the Company uses to evaluate, and believes is an important measure of, the Group Benefits segment's operating performance. After-tax margin is the most directly comparable U.S. GAAP measure. We believe that after-tax margin, excluding buyouts and realized gains (losses), provides investors with a valuable measure of the performance of certain of the Company's on-going businesses because it reveals trends in those businesses that may be obscured by the effect of realized gains (losses). After-tax margin, excluding buyouts and realized gains (losses), should not be considered as a substitute for after-tax margin and does not reflect the overall profitability of our businesses. Therefore, we believe it is important for investors to evaluate both after-tax margin, excluding buyouts and realized gains (losses), and after-tax margin when reviewing the Company's performance. After-tax margin, excluding buyouts and realized gains (losses) is calculated by dividing core earnings excluding buyouts and realized gains (losses) by total core revenues excluding buyouts and realized gains (losses).

ROA, core earnings is a non-GAAP financial measure that the Company uses to evaluate the Mutual Funds and Talcott Resolution segments' operating performance. ROA is the most directly comparable U.S. GAAP measure. We believe that ROA, core earnings, provides investors with a valuable measure of the performance of these businesses because it reveals trends in our businesses that may be obscured by the effect of realized gains (losses). ROA, core earnings, should not be considered as a substitute for ROA and does not reflect the overall profitability of our businesses. Therefore, we believe it is important for investors to evaluate both ROA, core earnings, and ROA when reviewing the Company's performance.