INVESTOR FINANCIAL SUPPLEMENT

June 30, 2016

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

	As of July 26, 2016
Address:
One Hartford Plaza		A.M. Best	Standard & Poor’s	Moody’s
Hartford, CT 06155	Insurance Financial Strength Ratings:
	Hartford Fire Insurance Company	A+	A+	A1
	Hartford Life and Accident Insurance Company	A	A	A2
	Hartford Life Insurance Company	A-	BBB+	Baa2
Internet address:	Hartford Life and Annuity Insurance Company	A-	BBB+	Baa2
http://www.thehartford.com
	Other Ratings:
	The Hartford Financial Services Group, Inc.:
	Senior debt	a-	BBB+	Baa2
Contacts:	Commercial paper	AMB-1	A-2	P-2
Sabra Purtill
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.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

INVESTOR FINANCIAL SUPPLEMENT

TABLE OF CONTENTS

CONSOLIDATED	Consolidated Financial Results	1
	Consolidated Statements of Operations	2
	Operating Results by Segment	3
	Consolidating Balance Sheets	4
	Capital Structure	5
	Statutory Capital and Surplus to GAAP Stockholders’ Equity Reconciliation	6
	Accumulated Other Comprehensive Income (Loss)	7
PROPERTY & CASUALTY	Property & Casualty Income Statements	8
	Property & Casualty Underwriting Ratios and Results	9
	Commercial Lines Income Statements	10
	Commercial Lines Underwriting Ratios	12
	Commercial Lines Supplemental Data	13
	Personal Lines Income Statements	14
	Personal Lines Underwriting Ratios	15
	Personal Lines Supplemental Data	16
	P&C Other Operations Income Statements	17
GROUP BENEFITS	Income Statements	18
	Supplemental Data	19
MUTUAL FUNDS	Income Statements	20
	Asset Value Rollforward - Assets Under Management By Asset Class	21
TALCOTT RESOLUTION	Financial Highlights	22
	Individual Annuity - Supplemental Data	23
	Individual Annuity - Account Value Rollforward	24
CORPORATE	Income Statements	25
INVESTMENTS	Investment Earnings Before Tax - Consolidated	26
	Investment Earnings Before Tax - Property & Casualty	27
	Net Investment Income	28
	Components of Net Realized Capital Gains (Losses)	29
	Composition of Invested Assets	30
	Invested Asset Exposures	31
APPENDIX	Basis of Presentation and Definitions	32
	Discussion of Non-GAAP and Other Financial Measures	33

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSOLIDATED FINANCIAL RESULTS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016		Jun 30 2015
HIGHLIGHTS
Net income	$	216		$	323		$	421		$	381		$	413		$	467		$	539	$	880
Core earnings *	$	122		$	385		$	445		$	364		$	389		$	452		$	507	$	841
Total revenues	$	4,677		$	4,391		$	4,513		$	4,562		$	4,685		$	4,617		$	9,068	$	9,302
Total assets	$	227,616		$227,493			$228,348			$231,453			$241,020			$246,960
PER SHARE AND SHARES DATA
Basic earnings per common share
Net income	$	0.55		$	0.81		$	1.03		$	0.92		$	0.99		$	1.11		$	1.36	$	2.09
Core earnings	$	0.31		$	0.97		$	1.09		$	0.88		$	0.93		$	1.07		$	1.28	$	2.00
Diluted earnings per common share
Net income	$	0.54		$	0.79		$	1.01		$	0.90		$	0.96		$	1.08		$	1.34	$	2.04
Core earnings	$	0.31		$	0.95		$	1.07		$	0.86		$	0.91		$	1.04		$	1.26	$	1.95
Weighted average common shares outstanding (basic)	391.8			398.5			406.9			413.8			418.7			422.6			395.2		420.6
Dilutive effect of stock compensation	3.2			4.2			5.2			5.1			4.4			5.5			3.6		5.0
Dilutive effect of warrants	3.6			3.6			3.8			4.1			5.0			5.6			3.6		5.3
Weighted average common shares outstanding and dilutive potential common shares (diluted)	398.6			406.3			415.9			423.0			428.1			433.7			402.4		430.9
Common shares outstanding	387.9			395.6			401.8			411.3			416.3			421.4
Book value per common share	$	47.84		$	45.78		$	43.91		$	44.26		$	43.78		$	45.27
Per common share impact of accumulated other comprehensive income [1]	$	2.32		$	0.64		$	(0.82	)	$	0.34		$	0.45		$	2.73
Book value per common share (excluding AOCI) *	$	45.52		$	45.14		$	44.73		$	43.92		$	43.33		$	42.54
Book value per diluted share	$	47.02		$	44.90		$	42.96		$	43.32		$	42.86		$	44.13
Per diluted share impact of AOCI	$	2.28		$	0.63		$	(0.80	)	$	0.33		$	0.45		$	2.66
Book value per diluted share (excluding AOCI) *	$	44.74		$	44.27		$	43.76		$	42.99		$	42.41		$	41.47
Common shares outstanding and dilutive potential common shares	394.7			403.4			410.7			420.2			425.3			432.3
RETURN ON EQUITY ("ROE")
ROE - Net income (net income last 12 months to stockholders' equity including AOCI)	7.3		%	8.3		%	9.3		%	8.9		%	8.8		%	4.0		%
ROE - Net income, excluding Talcott Resolution [2]	10.5		%	11.0		%	12.0		%	10.3		%	11.3		%	9.3		%
ROE - Core earnings (core earnings last 12 months to stockholders' equity excluding AOCI) *	7.4		%	8.8		%	9.2		%	9.1		%	9.6		%	8.1		%
ROE - Core earnings, excluding Talcott Resolution [2]	8.9		%	10.3		%	10.9		%	10.5		%	11.9		%	9.9		%

[1] 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.

[2] ROE assumes debt and interest is attributed to Talcott Resolution consistent with the overall debt to capitalization ratios of the consolidated entity. For further information, see Appendix, page 33.

* Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP).

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSOLIDATED STATEMENTS OF OPERATIONS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Earned premiums	$	3,444		$	3,404		$	3,460		$	3,404		$	3,391		$	3,322		$	6,848		$	6,713
Fee income	422			426			463			448			469			459			848			928
Net investment income	735			696			695			730			796			809			1,431			1,605
Realized capital gains (losses):
Total other-than-temporary impairment (“OTTI”) losses	(8		)	(27		)	(41		)	(42		)	(13		)	(12		)	(35		)	(25		)
OTTI losses recognized in other comprehensive income	1			4			2			2			2			—			5			2
Net OTTI losses recognized in earnings	(7		)	(23		)	(39		)	(40		)	(11		)	(12		)	(30		)	(23		)
Other net realized capital gains (losses)	60			(132		)	(87		)	(4		)	20			17			(72		)	37
Total net realized capital gains (losses)	53			(155		)	(126		)	(44		)	9			5			(102		)	14
Other revenues	23			20			21			24			20			22			43			42
Total revenues	4,677			4,391			4,513			4,562			4,685			4,617			9,068			9,302
Benefits, losses and loss adjustment expenses	3,142			2,641			2,690			2,710			2,812			2,563			5,783			5,375
Amortization of DAC	368			374			290			434			391			387			742			778
Insurance operating costs and other expenses	912			909			943			971			910			948			1,821			1,858
Loss on extinguishment of debt	—			—			—			—			21			—			—			21
Reinsurance gain on disposition	—			—			—			(20		)	(8		)	—			—			(8		)
Interest expense	85			86			86			88			89			94			171			183
Total benefits, losses and expenses	4,507			4,010			4,009			4,183			4,215			3,992			8,517			8,207
Income from continuing operations before income taxes	170			381			504			379			470			625			551			1,095
Income tax expense (benefit) [1]	(46		)	58			83			7			57			158			12			215
Income from continuing operations, after-tax	216			323			421			372			413			467			539			880
Income from discontinued operations, after-tax	—			—			—			9			—			—			—			—
Net income	216			323			421			381			413			467			539			880
Less: Unlock benefit (charge), before tax	18			13			53			(49		)	47			29			31			76
Less: Net realized capital gains (losses) including DAC, excluded from core earnings, before tax [2]	51			(148		)	(135		)	(49		)	6			3			(97		)	9
Less: Restructuring and other costs, before tax	—			—			(4		)	(4		)	(2		)	(10		)	—			(12		)
Less: Loss on extinguishment of debt, before tax	—			—			—			—			(21		)	—			—			(21		)
Less: Net reinsurance gain on dispositions, before tax	—			—			—			20			8			—			—			8
Less: Income tax benefit (expense) [3]	25			73			62			90			(14		)	(7		)	98			(21		)
Less: Income from discontinued operations, after-tax	—			—			—			9			—			—			—			—
Core earnings	$	122		$	385		$	445		$	364		$	389		$	452		$	507		$	841

[1] The three months ended June 30, 2015 included a $48 reduction in income tax expense due to conclusion of the 2007 to 2011 IRS audit.

[2] For further information, see Components of Net Realized Capital Gains (Losses), page 29.

[3] Includes federal income tax benefits of $53, $25, $34 and $60, respectively, from the reduction of the deferred tax valuation allowance on capital loss carryovers for the three months ended June 30, 2016, March 31, 2016, December 31, 2015 and September 30, 2015, respectively.  The remainder represents federal income tax benefit (expense) related to before tax items not included in core earnings.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

OPERATING RESULTS BY SEGMENT

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Net income (loss):
Commercial Lines	$	240		$	228		$	293		$	211		$	259		$	240		$	468		$	499
Personal Lines	(53		)	20			51			19			41			76			(33		)	117
P&C Other Operations	(154		)	17			19			16			(111		)	23			(137		)	(88		)
Property & Casualty ("P&C")	33			265			363			246			189			339			298			528
Group Benefits	55			50			37			42			56			52			105			108
Mutual Funds	20			20			20			22			22			22			40			44
Sub-total	$	108		$	335		$	420		$	310		$	267		$	413		$	443		$	680
Talcott Resolution	104			17			28			74			217			111			121			328
Corporate	4			(29		)	(27		)	(3		)	(71		)	(57		)	(25		)	(128		)
Net income	$	216		$	323		$	421		$	381		$	413		$	467		$	539		$	880
Core earnings (losses):
Commercial Lines	$	224		$	249		$	289		$	216		$	264		$	234		$	473		$	498
Personal Lines	(55		)	23			51			17			42			75			(32		)	117
P&C Other Operations	(154		)	19			18			18			(113		)	20			(135		)	(93		)
P&C	$	15		$	291		$	358		$	251		$	193		$	329		$	306		$	522
Group Benefits	46			48			40			47			56			52			94			108
Mutual Funds	20			20			20			22			22			22			40			44
Sub-total	81			359			418			320			271			403			440			674
Talcott Resolution	91			77			83			107			171			111			168			282
Corporate	(50		)	(51		)	(56		)	(63		)	(53		)	(62		)	(101		)	(115		)
Core earnings	$	122		$	385		$	445		$	364		$	389		$	452		$	507		$	841

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CONSOLIDATING BALANCE SHEETS

	PROPERTY & CASUALTY					GROUP BENEFITS						MUTUAL FUNDS				TALCOTT RESOLUTION				CORPORATE						CONSOLIDATED
	Jun 30 2016		Dec 31 2015			Jun 30 2016			Dec 31 2015			Jun 30 2016		Dec 31 2015		Jun 30 2016		Dec 31 2015		Jun 30 2016			Dec 31 2015			Jun 30 2016		Dec 31 2015
Investments
Fixed maturities, available-for-sale, at fair value	$	26,473	$	25,671		$	7,698		$	7,405		$	45	$	57	$	25,691	$	24,692	$	1,334		$	1,371		$	61,241	$	59,196
Fixed maturities, at fair value using the fair value option	174		233			114			116			—		—		123		154		—			—			411		503
Equity securities, available-for-sale, at fair value	525		497			28			35			—		—		136		459		138			130			827		1,121
Mortgage loans	1,969		1,917			818			789			—		—		2,872		2,918		—			—			5,659		5,624
Policy loans, at outstanding balance	—		—			1			1			—		—		1,435		1,446		—			—			1,436		1,447
Limited partnerships and other alternative investments	1,302		1,490			192			193			—		—		1,084		1,191		—			—			2,578		2,874
Other investments	94		(172		)	18			(8		)	—		—		380		293		3			7			495		120
Short-term investments	777		581			150			167			150		147		904		588		516			360			2,497		1,843
Total investments	$	31,314	$	30,217		$	9,019		$	8,698		$	195	$	204	$	32,625	$	31,741	$	1,991		$	1,868		$	75,144	$	72,728
Cash	145		128			33			14			—		1		282		305		1			—			461		448
Premiums receivable and agents’ balances	3,370		3,275			254			261			—		—		1		1		—			—			3,625		3,537
Reinsurance recoverables	2,461		2,515			587			596			—		—		20,104		20,078		—			—			23,152		23,189
DAC	594		590			42			35			12		11		989		1,180		—			—			1,637		1,816
Deferred income taxes	44		367			(235		)	(131		)	5		4		1,158		1,335		1,590			1,631			2,562		3,206
Goodwill	119		119			—			—			149		149		—		—		230			230			498		498
Property and equipment, net	868		835			55			55			1		1		72		74		9			9			1,005		974
Other assets	880		1,051			150			138			76		79		500		482		75			79			1,681		1,829
Separate account assets [1]	—		—			—			—			—		—		117,851		120,123		—			—			117,851		120,123
Total assets	$	39,795	$	39,097		$	9,905		$	9,666		$	438	$	449	$	173,582	$	175,319	$	3,896		$	3,817		$	227,616	$	228,348
Future policy benefits, unpaid losses and loss adjustment expenses	21,904		21,825			6,359			6,379			—		—		13,910		13,368		—			$	—		$	42,173	$	41,572
Other policyholder funds and benefits payable	—		—			495			495			—		—		30,894		31,175		—			—			31,389		31,670
Unearned premiums	5,394		5,233			35			43			—		—		109		109		—			—			5,538		5,385
Debt	—		—			—			—			—		—		142		143		5,182			5,216			5,324		5,359
Other liabilities	1,151		1,171			405			307			130		148		1,949		1,786		3,147			3,185			6,782		6,597
Separate account liabilities	—		—			—			—			—		—		117,851		120,123		—			—			117,851		120,123
Total liabilities	$	28,449	$	28,229		$	7,294		$	7,224		$	130	$	148	$	164,855	$	166,704	$	8,329		$	8,401		$	209,057	$	210,706
Common equity, excluding AOCI	10,231		10,342			2,226			2,219			308		301		7,696		8,032		(2,802		)	(2,923		)	17,659		17,971
AOCI, after-tax	1,115		526			385			223			—		—		1,031		583		(1,631		)	(1,661		)	900		(329		)
Total stockholders’ equity	11,346		10,868			2,611			2,442			308		301		8,727		8,615		(4,433		)	(4,584		)	18,559		17,642
Total liabilities and equity	$	39,795	$	39,097		$	9,905		$	9,666		$	438	$	449	$	173,582	$	175,319	$	3,896		$	3,817		$	227,616	$	228,348

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

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CAPITAL STRUCTURE

	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015
DEBT
Short-term debt	$	690		$	690		$	275		$	167		$	167		$	167
Senior notes	3,551			3,550			3,984			4,259			4,258			4,553
Junior subordinated debentures	1,083			1,083			1,100			1,100			1,100			1,100
Total debt	$	5,324		$	5,323		$	5,359		$	5,526		$	5,525		$	5,820
STOCKHOLDERS’ EQUITY
Common stockholders' equity, excluding AOCI	$	17,659		$	17,858		$	17,971		$	18,064		$	18,039		$	17,927
AOCI	900			254			(329		)	140			188			1,150
Total stockholders’ equity	$	18,559		$	18,112		$	17,642		$	18,204		$	18,227		$	19,077
CAPITALIZATION
Total capitalization, including AOCI, after-tax	$	23,883		$	23,435		$	23,001		$	23,730		$	23,752		$	24,897
Total capitalization, excluding AOCI, after-tax	$	22,983		$	23,181		$	23,330		$	23,590		$	23,564		$	23,747
DEBT TO CAPITALIZATION RATIOS
Total debt to capitalization, including AOCI	22.3		%	22.7		%	23.3		%	23.3		%	23.3		%	23.4		%
Total debt to capitalization, excluding AOCI	23.2		%	23.0		%	23.0		%	23.4		%	23.4		%	24.5		%
Total rating agency adjusted debt to capitalization [1] [2]	25.9		%	26.4		%	27.0		%	26.9		%	26.9		%	26.9		%
ANNUAL FIXED CHARGE COVERAGE RATIOS
Total earnings to total fixed charges (after interest credited to contractholders) [3]							2.9:1
Total earnings to total fixed charges (before interest credited to contractholders) [4]							6.1:1

[1] 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 $1.5 billion, $1.5 billion, $1.5 billion, $1.6 billion, $1.6 billion, $1.6 billion for the three months ended June 30 2016, March 31, 2016, December 31, 2015, September 30, 2015, June 30, 2015, March 31, 2015, respectively.

[2] Reflects 25% equity credit for the Company's outstanding junior subordinated debentures.

[3] Calculated as total earnings divided by total fixed charges. Total earnings represent income from continuing operations before income taxes, total fixed charges and interest credited to contractholders, less undistributed earnings from limited partnerships and other alternative investments. Total fixed charges include: interest expense, rent expense, capitalized interest, amortization of debt issuance costs and interest credited to contractholders. Interest credited to contractholders includes interest credited on general account assets and interest credited on consumer notes.

[4] Calculated as total earnings divided by total fixed charges. Total earnings represent income from continuing operations before income taxes and total fixed charges, less undistributed earnings from limited partnerships and other alternative investments. Total fixed charges include: interest expense, rent expense, capitalized interest and amortization of debt issuance costs.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

STATUTORY CAPITAL TO GAAP STOCKHOLDERS’ EQUITY RECONCILIATION

JUNE 30, 2016

	P&C			GROUP BENEFITS			TALCOTT RESOLUTION
U.S. statutory net income [1]	$	392		$	116		$	211
U.S. statutory capital [2]	$	8,609		$	1,610		$	4,666
U.S. GAAP adjustments:
DAC	594			42			989
Non-admitted deferred tax assets [3]	265			67			1,406
Deferred taxes [4]	(1,315		)	(426		)	(918		)
Goodwill	119			—			—
Non-admitted assets other than deferred taxes	668			68			24
Asset valuation and interest maintenance reserve	—			196			504
Benefit reserves	(23		)	209			(210		)
Unrealized gains on investments	1,646			605			1,969
Other, net	783			240			297
U.S. GAAP stockholders’ equity	$	11,346		$	2,611		$	8,727

[1] Statutory net income is for the six months ended June 30, 2016.

[2] For reporting purposes, statutory capital and surplus is referred to collectively as "statutory capital".

[3] Represents the limitations on the recognition of deferred tax assets under U.S. statutory accounting principles ("U.S. STAT").

[4] Represents the tax timing differences between U.S. GAAP and U.S. STAT.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

	AS OF
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015
Fixed maturities net unrealized gain	$	2,406		$	1,780		$	1,281		$	1,571		$	1,636		$	2,565
Equities net unrealized gain (loss)	31			21			(2		)	(8		)	21			13
OTTI losses recognized in AOCI	(10		)	(15		)	(7		)	(4		)	(7		)	(8		)
Net gain on cash flow hedging instruments	200			184			130			170			122			177
Total net unrealized gain	$	2,627		$	1,970		$	1,402		$	1,729		$	1,772		$	2,747
Foreign currency translation adjustments	(68		)	(49		)	(55		)	(38		)	(24		)	(28		)
Pension and other postretirement adjustment	(1,659		)	(1,667		)	(1,676		)	(1,551		)	(1,560		)	(1,569		)
Total AOCI	$	900		$	254		$	(329	)	$	140		$	188		$	1,150

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

PROPERTY & CASUALTY

INCOME STATEMENTS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Written premiums	$	2,661		$	2,679		$	2,576		$	2,674		$	2,667		$	2,661		$	5,340		$	5,328
Change in unearned premium reserve	35			81			(91		)	49			78			126			116			204
Earned premiums	2,626			2,598			2,667			2,625			2,589			2,535			5,224			5,124
Losses and loss adjustment expenses
Current accident year before catastrophes	1,627			1,545			1,610			1,634			1,525			1,546			3,172			3,071
Current accident year catastrophes	184			91			34			76			139			83			275			222
Prior accident year development [1]	351			33			(5		)	37			220			(2		)	384			218
Total losses and loss adjustment expenses	2,162			1,669			1,639			1,747			1,884			1,627			3,831			3,511
Amortization of DAC	331			331			330			329			327			324			662			651
Underwriting expenses	445			456			469			474			446			449			901			895
Dividends to policyholders	4			4			4			4			4			5			8			9
Underwriting gain (loss) *	(316		)	138			225			71			(72		)	130			(178		)	58
Net investment income	292			272			270			267			307			327			564			634
Net realized capital gains (losses)	35			(41		)	10			(16		)	(6		)	13			(6		)	7
Net servicing and other income [2]	5			7			7			8			27			6			12			33
Income from continuing operations before income taxes	16			376			512			330			256			476			392			732
Income tax expense (benefit)	(17		)	111			149			91			67			137			94			204
Income from continuing operations, after-tax	33			265			363			239			189			339			298			528
Income from discontinued operations, after-tax	—			—			—			7			—			—			—			—
Net income	33			265			363			246			189			339			298			528
Less: Net realized capital gains (losses) including DAC, excluded from core earnings, before tax	35			(40		)	6			(15		)	(7		)	14			(5		)	7
Less: Income tax benefit (expense)	(17		)	14			(1		)	3			3			(4		)	(3		)	(1		)
Less: Income from discontinued operations, after-tax	—			—			—			7			—			—			—			—
Core earnings	$	15		$	291		$	358		$	251		$	193		$	329		$	306		$	522
ROE
Net income (net income last 12 months to stockholders' equity including AOCI)	9.3		%	11.1		%	12.5		%	12.4		%	13.5		%	11.5		%
Core earnings (core earnings last 12 months to stockholders' equity excluding AOCI)	10.3		%	12.7		%	13.5		%	13.4		%	14.4		%	12.4		%

[1] The three months ended June 30, 2016 and 2015 included unfavorable reserve development of $197 and $146, respectively, related to asbestos reserves, and $71 and $52, respectively, related to environmental reserves.

[2] The three months ended June 30, 2015 includes a benefit of $20, before-tax, from the resolution of litigation.

* Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP).

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

PROPERTY & CASUALTY

UNDERWRITING RATIOS AND RESULTS

	THREE MONTHS ENDED																SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016		Dec 31 2015			Sept 30 2015		Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
UNDERWRITING GAIN (LOSS)	$	(316	)	$	138	$	225		$	71	$	(72	)	$	130		$	(178	)	$	58
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes	62.0			59.5		60.4			62.2		58.9			61.0			60.7			59.9
Current accident year catastrophes	7.0			3.5		1.3			2.9		5.4			3.3			5.3			4.3
Prior accident year development [1] [2]	13.4			1.3		(0.2		)	1.4		8.5			(0.1		)	7.4			4.3
Total losses and loss adjustment expenses	82.3			64.2		61.5			66.6		72.8			64.2			73.3			68.5
Expenses	29.6			30.3		30.0			30.6		29.9			30.5			29.9			30.2
Policyholder dividends	0.2			0.2		0.1			0.2		0.2			0.2			0.2			0.2
Combined ratio	112.0			94.7		91.6			97.3		102.8			94.9			103.4			98.9
Current accident year catastrophes and prior year development	20.4			4.8		1.1			4.3		13.9			3.2			12.7			8.6
Combined ratio before catastrophes and prior year development *	91.7			89.9		90.5			93.0		88.9			91.7			90.8			90.3

[1] The three months ended June 30, 2016 and 2015 included 10.2 point and 7.6 point, respectively, of unfavorable impact related to asbestos and environmental prior accident year loss reserve development.

[2] The following table summarizes unfavorable (favorable) prior accident year reserve development. For additional information see the Commercial Lines, Personal Lines and P&C Other Operations segments presented in this document.

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Auto liability	$	67		$	74		$	1		$	23		$	5		$	25		$	141		$	30
Homeowners	1			(6		)	—			2			6			1			(5		)	7
Professional and general liability	34			(1		)	2			3			(3		)	(30		)	33			(33		)
Package business	7			45			20			3			4			1			52			5
Net asbestos reserves	197			—			—			—			146			—			197			146
Net environmental reserves	71			—			—			—			52			3			71			55
Workers’ compensation	(4		)	(79		)	(37		)	—			—			—			(83		)	—
Workers' compensation discount accretion	7			7			7			7			7			8			14			15
Catastrophes	2			(7		)	(1		)	1			—			(18		)	(5		)	(18		)
Uncollectible reinsurance	(30		)	—			—			—			—			—			(30		)	—
Other reserve re-estimates, net	(1		)	—			3			(2		)	3			8			(1		)	11
Total prior accident year development	$	351		$	33		$	(5	)	$	37		$	220		$	(2	)	$	384		$	218

* Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP).

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMMERCIAL LINES

INCOME STATEMENTS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Written premiums	$	1,669		$	1,726		$	1,609		$	1,639		$	1,655		$	1,722		$	3,395		$	3,377
Change in unearned premium reserve	19			103			(49		)	(8		)	32			139			122			171
Earned premiums	1,650			1,623			1,658			1,647			1,623			1,583			3,273			3,206
Losses and loss adjustment expenses
Current accident year before catastrophes	938			913			923			952			909			928			1,851			1,837
Current accident year catastrophes	80			44			13			8			42			58			124			100
Prior accident year development [1]	6			(20		)	(16		)	50			21			(2		)	(14		)	19
Total losses and loss adjustment expenses	1,024			937			920			1,010			972			984			1,961			1,956
Amortization of DAC	242			242			241			239			237			234			484			471
Underwriting expenses	298			295			295			304			284			295			593			579
Dividends to policyholders	4			4			4			4			4			5			8			9
Underwriting gain	82			145			198			90			126			65			227			191
Net servicing income	5			4			6			6			4			4			9			8
Net investment income	226			209			206			208			239			257			435			496
Net realized capital gains (losses)	25			(33		)	11			(18		)	(7		)	8			(8		)	1
Other income (expenses)	—			1			(2		)	1			2			1			1			3
Income from continuing operations before income taxes	338			326			419			287			364			335			664			699
Income tax expense	98			98			126			83			105			95			196			200
Income from continuing operations, after-tax	240			228			293			204			259			240			468			499
Income from discontinued operations, after-tax	—			—			—			7			—			—			—			—
Net income	240			228			293			211			259			240			468			499
Less: Net realized capital gains (losses) including DAC, excluded from core earnings, before tax	25			(32		)	6			(16		)	(8		)	9			(7		)	1
Less: Income tax benefit (expense)	(9		)	11			(2		)	4			3			(3		)	2			—
Less: Income from discontinued operations, after-tax	—			—			—			7			—			—			—			—
Core earnings	$	224		$	249		$	289		$	216		$	264		$	234		$	473		$	498

[1] For further information, see Commercial Lines Income Statements (continued), page 11.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMMERCIAL LINES

INCOME STATEMENTS (CONTINUED)

[1] The following table summarizes unfavorable (favorable) prior accident year reserve development.

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Auto liability	$	(8	)	$	9		$	2		$	30		$	5		$	25		$	1		$	30
Professional liability	—			(33		)	(13		)	(6		)	—			(17		)	(33		)	(17		)
Package business	7			45			20			3			4			1			52			5
General liability [a]	34			32			15			9			(3		)	(13		)	66			(16		)
Workers’ compensation	(4		)	(79		)	(37		)	—			—			—			(83		)	—
Workers' compensation discount accretion	7			7			7			7			7			8			14			15
Catastrophes	1			(2		)	1			1			4			(6		)	(1		)	(2		)
Uncollectible reinsurance [b]	(30		)	—			—			—			—			—			(30		)	—
Other reserve re-estimates, net	(1		)	1			(11		)	6			4			—			—			4
Total net prior accident year development	$	6		$	(20	)	$	(16	)	$	50		$	21		$	(2	)	$	(14	)	$	19

[a] For the three months ended June 30, 2016 unfavorable reserve development was primarily due to indemnity losses and legal costs associated with a litigated claim for accident years 2008-2010.

[b] For the three months ended June 30, 2016 favorable reserve development was due to giving greater weight to favorable collectability experience in recent calendar periods in estimating future collections.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMMERCIAL LINES

UNDERWRITING RATIOS

	THREE MONTHS ENDED															SIX MONTHS ENDED
	Jun 30 2016		Mar 31 2016			Dec 31 2015			Sept 30 2015		Jun 30 2015		Mar 31 2015			Jun 30 2016			Jun 30 2015
UNDERWRITING GAIN	$	82	$	145		$	198		$	90	$	126	$	65		$	227		$	191
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes	56.8		56.3			55.7			57.8		56.0		58.6			56.6			57.3
Current accident year catastrophes	4.8		2.7			0.8			0.5		2.6		3.7			3.8			3.1
Prior accident year development	0.4		(1.2		)	(1.0		)	3.0		1.3		(0.1		)	(0.4		)	0.6
Total losses and loss adjustment expenses	62.1		57.7			55.5			61.3		59.9		62.2			59.9			61.0
Expenses	32.7		33.1			32.3			33.0		32.1		33.4			32.9			32.8
Policyholder dividends	0.2		0.2			0.2			0.2		0.2		0.3			0.2			0.3
Combined ratio	95.0		91.1			88.1			94.5		92.2		95.9			93.1			94.0
Current accident year catastrophes and prior year development	5.2		1.5			(0.2		)	3.5		3.9		3.6			3.4			3.7
Combined ratio before catastrophes and prior year development	89.8		89.6			88.2			91.0		88.4		92.4			89.7			90.3
COMBINED RATIOS BY LINE OF BUSINESS
SMALL COMMERCIAL
Combined ratio	92.2		89.4			85.3			88.0		89.2		93.9			90.8			91.5
Combined ratio before catastrophes	87.3		86.7			84.5			87.5		86.0		90.5			87.0			88.3
Combined ratio before catastrophes and prior year development	86.9		86.7			85.1			86.8		85.1		89.6			86.8			87.3
MIDDLE MARKET
Combined ratio	99.8		98.3			93.3			102.5		94.5		98.9			99.1			96.7
Combined ratio before catastrophes	93.1		94.9			91.9			101.5		91.1		94.6			94.0			92.8
Combined ratio before catastrophes and prior year development	91.9		92.0			89.0			93.8		89.3		93.7			92.0			91.5
SPECIALTY COMMERCIAL
Combined ratio	92.8		76.5			83.9			81.5		100.4		94.5			84.6			97.4
Combined ratio before catastrophes	92.7		76.5			83.9			81.5		100.4		94.5			84.6			97.5
Combined ratio before catastrophes and prior year development	95.4		94.3			98.1			99.1		98.8		99.1			94.8			98.9

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMMERCIAL LINES

SUPPLEMENTAL DATA

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
WRITTEN PREMIUMS
Small Commercial	$	883		$	926		$	793		$	822		$	867		$	906		$	1,809		$	1,773
Middle Market	578			568			603			594			578			589			1,146			1,167
Specialty Commercial	197			222			204			215			200			219			419			419
National Accounts	79			101			93			95			82			100			180			182
Financial Products	59			60			62			64			60			61			119			121
Bond	48			44			46			50			49			46			92			95
Other Specialty	11			17			3			6			9			12			28			21
Other	11			10			9			8			10			8			21			18
Total	$	1,669		$	1,726		$	1,609		$	1,639		$	1,655		$	1,722		$	3,395		$	3,377
EARNED PREMIUMS
Small Commercial	$	854		$	839		$	844		$	839		$	833		$	810		$	1,693		$	1,643
Middle Market	584			574			600			590			583			566			1,158			1,149
Specialty Commercial	201			199			208			208			198			198			400			396
National Accounts	85			85			92			88			82			83			170			165
Financial Products	62			61			63			63			63			61			123			124
Bond	46			45			47			48			47			46			91			93
Other Specialty	8			8			6			9			6			8			16			14
Other	11			11			6			10			9			9			22			18
Total	$	1,650		$	1,623		$	1,658		$	1,647		$	1,623		$	1,583		$	3,273		$	3,206
STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)
New Business Premium
Small Commercial	$	139		$	146		$	133		$	131		$	141		$	140		$	285		$	281
Middle Market	$	124		$	103		$	114		$	117		$	119		$	124		$	227		$	243
Renewal Price Increases [1]
Standard Commercial Lines - Written	2		%	2		%	2		%	2		%	3		%	3		%	2		%	3		%
Standard Commercial Lines - Earned	2		%	2		%	3		%	3		%	4		%	5		%	2		%	4		%
Policy Count Retention [1]
Small Commercial [2]	84		%	84		%	85		%	84		%	83		%	85		%	84		%	84		%
Middle Market	75		%	74		%	81		%	81		%	81		%	81		%	74		%	81		%
Middle Market - normalized [2]	79		%	79		%
Policies in Force (in thousands)
Small Commercial	1,253			1,245			1,254			1,230			1,239			1,211
Middle Market [1]	67			69			71			71			72			72

[1] Excludes Middle Market specialty programs and livestock lines of business.

[2] Normalized retention rate for the effect of including certain low premium policies transferred from Middle Market to Small Commercial. The transfer did not have a significant impact on policy count retention in Small Commercial.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

PERSONAL LINES

INCOME STATEMENTS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Written premiums	$	992		$	953		$	936		$	1,034		$	1,009		$	939		$	1,945		$	1,948
Change in unearned premium reserve	16			(22		)	(42		)	57			43			(13		)	(6		)	30
Earned premiums	976			975			978			977			966			952			1,951			1,918
Losses and loss adjustment expenses
Current accident year before catastrophes	689			632			662			682			616			618			1,321			1,234
Current accident year catastrophes	104			47			21			68			97			25			151			122
Prior accident year development [1]	76			52			(3		)	(14		)	—			(4		)	128			(4		)
Total losses and loss adjustment expenses	869			731			680			736			713			639			1,600			1,352
Amortization of DAC	89			89			89			90			90			90			178			180
Underwriting expenses	141			154			163			162			155			148			295			303
Underwriting gain (loss)	(123		)	1			46			(11		)	8			75			(122		)	83
Net servicing income	—			—			1			—			2			1			—			3
Net investment income	33			31			30			29			34			35			64			69
Net realized capital gains (losses)	4			(5		)	—			4			(1		)	1			(1		)	—
Other income (expense)	—			—			(1		)	(1		)	18			(1		)	—			17
Income (loss) before income taxes	(86		)	27			76			21			61			111			(59		)	172
Income tax expense (benefit)	(33		)	7			25			2			20			35			(26		)	55
Net income (loss)	(53		)	20			51			19			41			76			(33		)	117
Less: Net realized capital gains (losses), including DAC, excluded from core earnings, before tax	4			(5		)	1			3			(1		)	1			(1		)	—
Less: Income tax benefit (expense)	(2		)	2			(1		)	(1		)	—			—			—			—
Core earnings (losses)	$	(55	)	$	23		$	51		$	17		$	42		$	75		$	(32	)	$	117

[1] Prior accident year development included the following unfavorable (favorable) reserve development:

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Auto liability [a] [b]	$	75		$	65		$	(1	)	$	(7	)	$	—		$	—		$	140		$	—
Homeowners	1			(6		)	—			2			6			1			(5		)	7
Catastrophes	1			(5		)	(2		)	—			(4		)	(12		)	(4		)	(16		)
Other reserve re-estimates, net	(1		)	(2		)	—			(9		)	(2		)	7			(3		)	5
Total prior accident year development	$	76		$	52		$	(3	)	$	(14	)	$	—		$	(4	)	$	128		$	(4	)

[a] For the three months ended June 30, 2016 unfavorable reserve development was primarily due to higher than expected emerged severity of bodily injury claims and higher than expected emerged frequency of uninsured and under-insured motorist claims related to accident year 2015.

[b] For the three months ended March 31, 2016 unfavorable reserve development was primarily due to higher than expected emerged bodily injury severity for accident years 2014 and 2015 and, for the third and fourth accident quarters of 2015, an increase in bodily injury frequency.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

PERSONAL LINES

UNDERWRITING RATIOS

	THREE MONTHS ENDED																SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016		Dec 31 2015			Sept 30 2015			Jun 30 2015		Mar 31 2015			Jun 30 2016			Jun 30 2015
UNDERWRITING GAIN (LOSS)	$	(123	)	$	1	$	46		$	(11	)	$	8	$	75		$	(122	)	$	83
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes [1]	70.6			64.8		67.7			69.8			63.8		64.9			67.7			64.3
Current accident year catastrophes	10.7			4.8		2.1			7.0			10.0		2.6			7.7			6.4
Prior accident year development	7.8			5.3		(0.3		)	(1.4		)	—		(0.4		)	6.6			(0.2		)
Total losses and loss adjustment expenses	89.0			75.0		69.5			75.3			73.8		67.1			82.0			70.5
Expenses	23.6			24.9		25.8			25.8			25.4		25.0			24.2			25.2
Combined ratio	112.6			99.9		95.3			101.1			99.2		92.1			106.3			95.7
Current accident year catastrophes and prior year development	18.5			10.1		1.8			5.6			10.0		2.2			14.3			6.2
Combined ratio before catastrophes and prior year development	94.2			89.7		93.5			95.6			89.1		89.9			92.0			89.5
PRODUCT
Automobile
Combined ratio	117.0			106.6		103.5			100.4			98.3		95.4			111.8			96.9
Combined ratio before catastrophes and prior year development	102.7			96.2		102.9			101.6			96.6		94.6			99.4			95.6
Homeowners
Combined ratio	102.4			84.7		76.9			105.5			100.7		85.1			93.5			92.9
Combined ratio before catastrophes and prior year development	74.2			75.1		72.4			82.4			72.6		79.7			74.7			76.1

[1] The increase for the three months ended June 30, 2016 was primarily due to higher automobile liability loss costs, consistent with trends emerging in accident year 2015, and slightly higher

fire-related homeowners losses compared to a below normal level of such losses in the three months ended June 30, 2015.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

PERSONAL LINES

SUPPLEMENTAL DATA

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
DISTRIBUTION
WRITTEN PREMIUMS
AARP Direct	$	752		$	711		$	675		$	762		$	744		$	677		$	1,463		$	1,421
AARP Agency	92			92			98			95			89			87			184			176
Other Agency	135			136			151			163			163			161			271			324
Other	13			14			12			14			13			14			27			27
Total	$	992		$	953		$	936		$	1,034		$	1,009		$	939		$	1,945		$	1,948
EARNED PREMIUMS
AARP Direct	$	723		$	715		$	712		$	709		$	698		$	685		$	1,438		$	1,383
AARP Agency	94			92			92			88			87			81			186			168
Other Agency	147			153			160			165			169			173			300			342
Other	12			15			14			15			12			13			27			25
Total	$	976		$	975		$	978		$	977		$	966		$	952		$	1,951		$	1,918
PRODUCT LINE
WRITTEN PREMIUMS
Automobile	$	686		$	690		$	655		$	707		$	688		$	671		$	1,376		$	1,359
Homeowners	306			263			281			327			321			268			569			589
Total	$	992		$	953		$	936		$	1,034		$	1,009		$	939		$	1,945		$	1,948
EARNED PREMIUMS
Automobile	$	680		$	678		$	677		$	674		$	665		$	655		$	1,358		$	1,320
Homeowners	296			297			301			303			301			297			593			598
Total	$	976		$	975		$	978		$	977		$	966		$	952		$	1,951		$	1,918
STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)
New Business Premium
Automobile	$	83		$	110		$	114		$	111		$	96		$	101		$	193		$	197
Homeowners	$	21		$	23		$	25		$	29		$	29		$	27		$	44		$	56
Renewal Written Price Increases
Automobile	7		%	7		%	6		%	6		%	6		%	6		%	7		%	6		%
Homeowners	9		%	9		%	8		%	8		%	8		%	8		%	9		%	8		%
Renewal Earned Price Increases
Automobile	6		%	6		%	6		%	6		%	6		%	6		%	6		%	6		%
Homeowners	9		%	8		%	8		%	8		%	8		%	8		%	8		%	8		%
Policy Count Retention
Automobile	84		%	84		%	84		%	84		%	84		%	84		%	84		%	84		%
Homeowners	84		%	84		%	85		%	85		%	86		%	85		%	84		%	85		%
Premium Retention
Automobile	88		%	87		%	87		%	87		%	87		%	87		%	88		%	87		%
Homeowners	89		%	90		%	90		%	90		%	90		%	90		%	89		%	90		%
Policies in Force (in thousands)
Automobile	2,053			2,073			2,062			2,052			2,049			2,053
Homeowners	1,239			1,262			1,272			1,284			1,296			1,305

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

P&C OTHER OPERATIONS

INCOME STATEMENTS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Written premiums	$	—		$	—		$	31		$	1		$	3		$	—		$	—		$	3
Change in unearned premium reserve	—			—			—			—			3			—			—			3
Earned premiums	—			—			31			1			—			—			—			—
Losses and loss adjustment expenses
Current accident year	—			—			25			—			—			—			—			—
Prior accident year development [1]	269			1			14			1			199			4			270			203
Total losses and loss adjustment expenses	269			1			39			1			199			4			270			203
Underwriting expenses	6			7			11			8			7			6			13			13
Underwriting loss	(275		)	(8		)	(19		)	(8		)	(206		)	(10		)	(283		)	(216		)
Net investment income	33			32			34			30			34			35			65			69
Net realized capital gains (losses)	6			(3		)	(1		)	(2		)	2			4			3			6
Other income	—			2			3			2			1			1			2			2
Income (loss) before income taxes	(236		)	23			17			22			(169		)	30			(213		)	(139		)
Income tax expense (benefit)	(82		)	6			(2		)	6			(58		)	7			(76		)	(51		)
Net income (loss)	(154		)	17			19			16			(111		)	23			(137		)	(88		)
Less: Net realized capital gains (losses) including DAC, excluded from core earnings, before tax	6			(3		)	(1		)	(2		)	2			4			3			6
Less: Income tax benefit (expense)	(6		)	1			2			—			—			(1		)	(5		)	(1		)
Core earnings (losses)	$	(154	)	$	19		$	18		$	18		$	(113	)	$	20		$	(135	)	$	(93	)

[1] The three months ended June 30, 2016 and 2015 included unfavorable reserve development of $197 and $146, respectively, related to asbestos reserves, and $71 and $52, respectively, related to environmental reserves.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

GROUP BENEFITS

INCOME STATEMENTS

	THREE MONTHS ENDED																			SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015				Jun 30 2016			Jun 30 2015
Earned premiums	$	790		$	778		$	774		$	752		$	780		$	763			$	1,568		$	1,543
Fee income	18			17			17			17			16			17				35			33
Net investment income	88			88			88			91			95			97				176			192
Net realized capital gains (losses)	16			2			(6		)	(6		)	2			(1		)		18			1
Total revenues	912			885			873			854			893			876				1,797			1,769
Benefits, losses and loss adjustment expenses	634			618			620			591			618			598				1,252			1,216
Amortization of DAC	7			8			7			8			8			8				15			16
Insurance operating costs and other expenses	196			194			199			198			191			200				390			391
Total benefits, losses and expenses	837			820			826			797			817			806				1,657			1,623
Income before income taxes	75			65			47			57			76			70				140			146
Income tax expense	20			15			10			15			20			18				35			38
Net income	55			50			37			42			56			52				105			108
Less: Net realized capital gains (losses) including DAC, excluded from core earnings, before tax	15			2			(5		)	(7		)	—			—			—	17			—
Less: Income tax benefit (expense)	(6		)	—			2			2			—			—				(6		)	—
Core earnings	$	46		$	48		$	40		$	47		$	56		$	52			$	94		$	108
Margin
Net income margin	6.0		%	5.7		%	4.2		%	4.9		%	6.3		%	5.9		%		5.9		%	6.1		%
Core earnings margin *	5.1		%	5.5		%	4.6		%	5.5		%	6.3		%	5.9		%		5.3		%	6.1		%
ROE
Net income (net income last 12 months to stockholders' equity including AOCI)	8.2		%	8.3		%	8.5		%	9.2		%	9.0		%	9.1		%
Core earnings (core earnings last 12 months to stockholders' equity excluding AOCI)	9.4		%	10.2		%	10.3		%	10.8		%	10.3		%	10.4		%

* Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP).

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

GROUP BENEFITS

SUPPLEMENTAL DATA

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
PREMIUMS
Fully insured ongoing premiums
Group disability	$	363		$	352		$	356		$	344		$	358		$	354		$	715		$	712
Group life	376			369			371			364			376			365			745			741
Other	51			51			47			43			46			44			102			90
Total fully insured ongoing premiums	$	790		$	772		$	774		$	751		$	780		$	763		$	1,562		$	1,543
Total buyouts [1]	—			6			—			1			—			—			6			—
Total premiums	790			778			774			752			780			763			1,568			1,543
SALES (GROSS ANNUALIZED NEW PREMIUMS)
Fully insured ongoing sales
Group disability	$	45		$	84		$	22		$	24		$	27		$	123		$	129		$	150
Group life	31			149			20			33			28			148			180			176
Other	4			33			6			4			3			29			37			32
Total fully insured ongoing sales	80			266			48			61			58			300			346			358
Total buyouts [1]	—			6			—			1			—			—			6			—
Total sales	80			272			48			62			58			300			352			358
RATIOS, EXCLUDING BUYOUTS
Group disability loss ratio	79.9		%	82.4		%	82.9		%	80.9		%	80.8		%	81.8		%	81.1		%	81.3		%
Group life loss ratio	78.1		%	73.8		%	76.0		%	73.4		%	76.2		%	73.2		%	76.0		%	74.8		%
Total loss ratio	78.5		%	77.6		%	78.4		%	76.8		%	77.6		%	76.7		%	78.0		%	77.2		%
Expense ratio	25.1		%	25.6		%	26.0		%	26.8		%	25.0		%	26.7		%	25.4		%	25.8		%

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

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

MUTUAL FUNDS

INCOME STATEMENTS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016		Jun 30 2015
Investment management fees	$	140		$	135		$	146		$	149		$	152		$	147		$	275	$	299
Shareholder servicing fees	20			20			20			19			19			19			40		38
Other revenue	13			12			13			14			13			13			25		26
Total revenues	173			167			179			182			184			179			340		363
Sub-advisory	50			48			53			53			55			52			98		107
Employee compensation and benefits	24			24			25			23			25			25			48		50
Distribution and service	39			39			40			42			42			41			78		83
General, administrative and other	28			25			29			30			28			27			53		55
Total expenses	141			136			147			148			150			145			277		295
Income before income taxes	32			31			32			34			34			34			63		68
Income tax expense	12			11			12			12			12			12			23		24
Net income	$	20		$	20		$	20		$	22		$	22		$	22		$	40	$	44
Core earnings	$	20		$	20		$	20		$	22		$	22		$	22		$	40	$	44
Average Total Mutual Funds segment AUM	$	90,919		$	91,188		$	90,503		$	92,350		$	95,797		$	94,778		$	91,693	$	94,638
Return on assets (bps, after-tax) [1]
Net income	8.8			8.8			8.8			9.5			9.2			9.3			8.7		9.3
Core earnings	8.8			8.8			8.8			9.5			9.2			9.3			8.7		9.3
ROE
Net income (net income last 12 months to stockholders' equity including AOCI)	34.2		%	35.5		%	37.4		%	39.8		%	40.3		%	40.4		%
Core earnings (core earnings last 12 months to stockholders' equity excluding AOCI)	34.4		%	35.8		%	37.5		%	41.9		%	42.5		%	42.7		%

[1] Represents annualized earnings divided by average assets under management, as measured in basis points.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

MUTUAL FUNDS

ASSET VALUE ROLL FORWARD

ASSETS UNDER MANAGEMENT BY ASSET CLASS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Equity
Beginning balance	$	46,455		$	47,369		$	44,318		$	47,841		$	47,131		$	45,221		$	47,369		$	45,221
Sales	2,324			3,069			2,863			2,746			2,367			2,583			5,393			4,950
Redemptions	(2,974		)	(2,853		)	(2,134		)	(2,105		)	(2,145		)	(2,307		)	(5,827		)	(4,452		)
Net flows	(650		)	216			729			641			222			276			(434		)	498
Change in market value and other	1,003			(1,130		)	2,322			(4,164		)	488			1,634			(127		)	2,122
Ending balance	$	46,808		$	46,455		$	47,369		$	44,318		$	47,841		$	47,131		$	46,808		$	47,841
Fixed Income
Beginning balance	$	12,389		$	12,625		$	13,443		$	13,844		$	14,267		$	14,046		$	12,625		$	14,046
Sales	843			918			988			878			883			1,240			1,761			2,123
Redemptions	(1,012		)	(1,432		)	(1,549		)	(1,166		)	(1,084		)	(1,338		)	(2,444		)	(2,422		)
Net flows	(169		)	(514		)	(561		)	(288		)	(201		)	(98		)	(683		)	(299		)
Change in market value and other	271			278			(257		)	(113		)	(222		)	319			549			97
Ending balance	$	12,491		$	12,389		$	12,625		$	13,443		$	13,844		$	14,267		$	12,491		$	13,844
Multi-Strategy Investments [1]
Beginning balance	$	14,775		$	14,419		$	13,784		$	14,566		$	14,298		$	13,768		$	14,419		$	13,768
Sales	920			712			785			568			739			887			1,632			1,626
Redemptions	(520		)	(600		)	(548		)	(614		)	(510		)	(536		)	(1,120		)	(1,046		)
Net flows	400			112			237			(46		)	229			351			512			580
Change in market value and other	467			244			398			(736		)	39			179			711			218
Ending balance	$	15,642		$	14,775		$	14,419		$	13,784		$	14,566		$	14,298		$	15,642		$	14,566
Mutual Fund AUM
Beginning balance	$	73,619		$	74,413		$	71,545		$	76,251		$	75,696		$	73,035		$	74,413		$	73,035
Sales	4,087			4,699			4,636			4,192			3,989			4,710			8,786			8,699
Redemptions	(4,506		)	(4,885		)	(4,231		)	(3,885		)	(3,739		)	(4,181		)	(9,391		)	(7,920		)
Net flows	(419		)	(186		)	405			307			250			529			(605		)	779
Change in market value and other	1,741			(608		)	2,463			(5,013		)	305			2,132			1,133			2,437
Ending balance	$	74,941		$	73,619		$	74,413		$	71,545		$	76,251		$	75,696		$	74,941		$	76,251
Talcott Resolution AUM [2]	$	16,482		$	16,795		$	17,549		$	17,498		$	19,406		$	20,240		$	16,482		$	19,406
Total Mutual Funds segment AUM	$	91,423		$	90,414		$	91,962		$	89,043		$	95,657		$	95,936		$	91,423		$	95,657

[1] Includes balanced, allocation, and alternative investment products.

[2] Talcott Resolution AUM consists of Company-sponsored mutual fund assets held in separate accounts supporting variable insurance and investment products.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

TALCOTT RESOLUTION

FINANCIAL HIGHLIGHTS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
NET INCOME
Individual Annuity [1]	$	76		$	39		$	7		$	47		$	141		$	89		$	115		$	230
Institutional and other	28			(22		)	21			27			76			22			6			98
Talcott Resolution net income	104			17			28			74			217			111			121			328
Less: Unlock benefit (charge), before tax	18			13			53			(49		)	47			29			31			76
Less: Net realized capital gains (losses) including DAC, excluded from core earnings, before tax	3			(106		)	(135		)	(22		)	11			(29		)	(103		)	(18		)
Less: Net reinsurance gain on dispositions, before tax	—			—			—			20			8			—			—			8
Less: Income tax benefit (expense) on items not included in core earnings	(8		)	33			27			16			(20		)	—			25			(20		)
Less: Income from discontinued operations, after-tax	—			—			—			2			—			—			—			—
Talcott Resolution core earnings	$	91		$	77		$	83		$	107		$	171		$	111		$	168		$	282
CORE EARNINGS
Individual Annuity	$	69		$	61		$	70		$	83		$	134		$	83		$	130		$	217
Institutional and other	22			16			13			24			37			28			38			65
Talcott Resolution core earnings	$	91		$	77		$	83		$	107		$	171		$	111		$	168		$	282
ROE
Net income (net income last 12 months to stockholders' equity including AOCI)	2.0		%	3.7		%	4.9		%	6.5		%	5.2		%	(4.1		)%
Core earnings (core earnings last 12 months to stockholders' equity excluding AOCI)	4.5		%	6.0		%	6.2		%	6.4		%	5.9		%	5.0		%
Return on Assets (bps, after tax) [2]
Net income return on assets	60.7			30.3			5.3			34.0			95.6			58.5			45.1			77.0
Core earnings return on assets *	55.1			47.4			53.3			60.0			90.8			54.5			51.0			72.6

[1] The three months ended June 30, 2015 included a $48 reduction in income tax expense due to conclusion of the 2007 to 2011 IRS audit.

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

* Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP).

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

TALCOTT RESOLUTION

INDIVIDUAL ANNUITY

SUPPLEMENTAL DATA

	THREE MONTHS ENDED												SIX MONTHS ENDED
	Jun 30 2016		Mar 31 2016		Dec 31 2015		Sept 30 2015		Jun 30 2015		Mar 31 2015		Jun 30 2016		Jun 30 2015
FULL SURRENDER RATES [1]
Variable Annuity	7.7	%	6.7	%	8.3	%	9.1	%	9.9	%	10.9	%	7.2	%	10.5	%
Fixed Annuity and Other	5.1	%	4.4	%	8.6	%	12.1	%	7.3	%	6.2	%	4.8	%	6.8	%
CONTRACT COUNTS (in thousands)
Variable Annuity	571		587		603		618		634		653
Fixed Annuity and Other	125		127		128		130		134		137

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

	AS OF:
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015
VARIABLE ANNUITY DEATH AND LIVING BENEFITS
S&P 500 index value at end of period	2,099			2,060			2,044			1,920			2,063			2,068
Total account value with guaranteed minimum death benefits (“GMDB”)	$	41,738		$	42,500		$	44,245		$	44,464		$	49,359		$	51,500
Gross net amount at risk ("NAR")	3,885			4,262			4,198			5,027			3,719			3,683
NAR reinsured	75		%	73		%	74		%	70		%	79		%	80		%
Contracts in the Money [3]	48		%	56		%	55		%	60		%	33		%	20		%
% In the Money [3] [4]	10		%	9		%	9		%	11		%	10		%	16		%
Retained NAR [2]	965			1,149			1,105			1,513			784			733
Net GAAP liability for GMDB benefits	178			184			190			193			184			183
Total account value with guaranteed minimum withdrawal benefits (“GMWB”)	$	18,952		$	19,384		$	20,194		$	20,441		$	22,816		$	23,995
Gross NAR	240			267			248			306			168			152
NAR reinsured	35		%	34		%	33		%	31		%	31		%	28		%
Contracts in the Money [3]	10		%	11		%	11		%	13		%	7		%	6		%
% In the Money [3] [4]	10		%	10		%	9		%	9		%	11		%	12		%
Retained NAR [2]	155			177			167			212			116			109
Net GAAP liability for non-lifetime GMWB benefits	296			254			174			194			54			99
Net GAAP liability for lifetime GMWB benefits	156			150			149			108			105			140

[2] Policies with a guaranteed living benefit 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 the GMWB is released. Similarly, when a policy goes into benefit status on a GMWB, its GMDB NAR is released.

[3] Excludes contracts that are fully reinsured.

[4] 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.

TALCOTT RESOLUTION

INDIVIDUAL ANNUITY

ACCOUNT VALUE ROLLFORWARD

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
VARIABLE ANNUITY
Beginning balance	$	42,500		$	44,245		$	44,464		$	49,359		$	51,500		$	52,861		$	44,245		$	52,861
Deposits	40			42			45			43			52			49			82			101
Partial withdrawals	(379		)	(410		)	(517		)	(432		)	(487		)	(498		)	(789		)	(985		)
Full surrenders	(813		)	(728		)	(920		)	(1,065		)	(1,250		)	(1,426		)	(1,541		)	(2,676		)
Death benefits/annuitizations/other [1]	(344		)	(370		)	(356		)	(361		)	(394		)	(421		)	(714		)	(815		)
Net flows	(1,496		)	(1,466		)	(1,748		)	(1,815		)	(2,079		)	(2,296		)	(2,962		)	(4,375		)
Change in market value/change in reserve/interest credited and other	734			(279		)	1,529			(3,080		)	(62		)	935			455			873
Ending balance	$	41,738		$	42,500		$	44,245		$	44,464		$	49,359		$	51,500		$	41,738		$	49,359
FIXED MARKET VALUE ADJUSTED (“MVA”) AND OTHER
Beginning balance	$	8,014		$	8,109		$	8,272		$	8,516		$	8,666		$	8,748		$	8,109		$	8,748
Surrenders	(86		)	(76		)	(147		)	(189		)	(122		)	(108		)	(162		)	(230		)
Death benefits/annuitizations/other [1]	(98		)	(86		)	(102		)	(85		)	(92		)	(82		)	(184		)	(174		)
Transfers	—			—			(1		)	(1		)	(3		)	36			—			33
Net flows	(184		)	(162		)	(250		)	(275		)	(217		)	(154		)	(346		)	(371		)
Change in market value/change in reserve/interest credited and other	71			67			87			31			67			72			138			139
Ending balance	$	7,901		$	8,014		$	8,109		$	8,272		$	8,516		$	8,666		$	7,901		$	8,516
TOTAL INDIVIDUAL ANNUITY
Beginning balance	$	50,514		$	52,354		$	52,736		$	57,875		$	60,166		$	61,609		$	52,354		$	61,609
Deposits	40			42			45			43			52			49			82			101
Surrenders	(1,278		)	(1,214		)	(1,584		)	(1,686		)	(1,859		)	(2,032		)	(2,492		)	(3,891		)
Death benefits/annuitizations/other [1]	(442		)	(456		)	(458		)	(446		)	(486		)	(503		)	(898		)	(989		)
Transfers	—			-			(1		)	(1		)	(3		)	36			—			33
Net flows	(1,680		)	(1,628		)	(1,998		)	(2,090		)	(2,296		)	(2,450		)	(3,308		)	(4,746		)
Change in market value/change in reserve/interest credited and other	805			(212		)	1,616			(3,049		)	5			1,007			593			1,012
Ending balance	$	49,639		$	50,514		$	52,354		$	52,736		$	57,875		$	60,166		$	49,639		$	57,875

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

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

CORPORATE

INCOME STATEMENTS

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Fee income	$	1		$	1		$	2		$	1		$	3		$	2		$	2		$	5
Net investment income	6			11			5			5			4			3			17			7
Net realized capital gains (losses)	(1		)	(4		)	(2		)	(3		)	2			18			(5		)	20
Total revenues	6			8			5			3			9			23			14			32
Insurance operating costs and other expenses	(1		)	6			6			9			11			7			5			18
Loss on extinguishment of debt	—			—			—			—			21			—			—			21
Interest expense	85			86			86			88			89			94			171			183
Restructuring and other costs	—			—			4			4			2			10			—			12
Total expenses	84			92			96			101			123			111			176			234
Loss before income taxes	(78		)	(84		)	(91		)	(98		)	(114		)	(88		)	(162		)	(202		)
Income tax benefit	(82		)	(55		)	(64		)	(95		)	(43		)	(31		)	(137		)	(74		)
Net income (loss)	4			(29		)	(27		)	(3		)	(71		)	(57		)	(25		)	(128		)
Less: Net realized capital gains (losses) including DAC, excluded from core losses, before tax	(2		)	(4		)	(1		)	(5		)	2			18			(6		)	20
Less: Restructuring and other costs, before tax	—			—			(4		)	(4		)	(2		)	(10		)	—			(12		)
Less: Loss on extinguishment of debt, before tax	—			—			—			—			(21		)	—			—			(21		)
Less: Income tax benefit (expense)	56			26			34			69			3			(3		)	82			—
Core losses	$	(50	)	$	(51	)	$	(56	)	$	(63	)	$	(53	)	$	(62	)	$	(101	)	$	(115	)

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

INVESTMENT EARNINGS BEFORE TAX

CONSOLIDATED

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Net Investment Income
Fixed maturities [1]
Taxable	$	498		$	488		$	490		$	497		$	490		$	485		$	986		$	975
Tax-exempt	106			107			108			111			113			115			213			228
Total fixed maturities	$	604		$	595		$	598		$	608		$	603		$	600		$	1,199		$	1,203
Equity securities, available-for-sale	6			11			6			8			5			6			17			11
Mortgage loans	60			60			60			67			71			69			120			140
Policy loans	20			22			22			20			20			20			42			40
Limited partnerships and other alternative investments [2]	40			8			12			22			94			99			48			193
Other [3]	34			27			32			33			31			42			61			73
Subtotal	764			723			730			758			824			836			1,487			1,660
Investment expense	(29		)	(27		)	(35		)	(28		)	(28		)	(27		)	(56		)	(55		)
Total net investment income	$	735		$	696		$	695		$	730		$	796		$	809		$	1,431		$	1,605
Annualized investment yield, before tax [4]	4.2		%	4.0		%	3.9		%	4.1		%	4.5		%	4.5		%	4.1		%	4.5		%
Annualized limited partnerships and other alternative investment yield, before tax [4]	6.1		%	1.2		%	1.5		%	2.9		%	12.9		%	13.7		%	3.6		%	13.5		%
Annualized investment yield, before tax, excluding limited partnership and other alternative investments [4]	4.1		%	4.1		%	4.1		%	4.2		%	4.1		%	4.1		%	4.1		%	4.1		%
Annualized investment yield, after-tax [4]	3.0		%	2.8		%	2.8		%	2.8		%	3.1		%	3.1		%	2.9		%	3.1		%
Average reinvestment rate [5]	3.2		%	3.8		%	3.4		%	3.7		%	3.5		%	3.1		%	3.5		%	3.3		%
Average sales/maturities yield [6]	4.0		%	4.3		%	3.4		%	3.9		%	3.6		%	4.1		%	4.2		%	3.9		%
Portfolio duration (in years) [7]	5.8			5.8			5.5			5.4			5.5			5.4			5.8			5.5

[1] Includes income on short-term bonds.

[2] Limited partnerships include hedge funds and a fund of funds; alternative investments include income on real estate joint ventures and hedge fund investments outside of limited partnerships and limited liability companies.

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

[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 securities lending collateral, if any, and derivatives book value.

[5] Represents the annualized yield on fixed maturities and mortgage loans that were purchased during the respective period. Excludes U.S. Treasury securities, cash equivalent securities, and repurchase agreement and securities lending collateral, if any.

[6] Represents the annualized yield on fixed maturities and mortgage loans that were sold, matured, or redeemed, including calls and pay-downs, during the respective period. Excludes U.S. Treasury securities, cash equivalent securities, and repurchase agreement and securities lending collateral, if any.

[7] Excludes certain short-term securities and derivative instruments related to hedging U.S. variable annuity liabilities.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

INVESTMENT EARNINGS BEFORE TAX

PROPERTY & CASUALTY

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Net Investment Income
Fixed maturities [1]
Taxable	$	168		$	169		$	164		$	157		$	161		$	165		$	337		$	326
Tax-exempt	82			84			84			86			88			90			166			178
Total fixed maturities	$	250		$	253		$	248		$	243		$	249		$	255		$	503		$	504
Equity securities, available-for-sale	3			4			3			4			3			2			$	7		5
Mortgage loans	19			19			19			20			19			18			$	38		37
Limited partnerships and other alternative investments [2]	23			6			9			5			39			53			$	29		92
Other [3]	9			2			5			5			8			10			$	11		18
Subtotal	304			284			284			277			318			338			588			656
Investment expense	(12		)	(12		)	(14		)	(10		)	(11		)	(11		)	$	(24	)	(22		)
Total net investment income	$	292		$	272		$	270		$	267		$	307		$	327		$	564		$	634
Annualized investment yield, before tax [4]	3.9		%	3.7		%	3.7		%	3.6		%	4.2		%	4.5		%	3.8		%	4.3		%
Annualized limited partnerships and other alternative investment yield, before tax [4]	6.9		%	1.7		%	2.2		%	1.3		%	10.1		%	14.1		%	4.2		%	12.3		%
Annualized investment yield, before tax, excluding limited partnership and other alternative investments [4]	3.8		%	3.8		%	3.7		%	3.7		%	3.9		%	4.0		%	3.8		%	3.9		%
Annualized investment yield, after-tax [4]	2.9		%	2.7		%	2.8		%	2.7		%	3.1		%	3.3		%	2.8		%	3.2		%
Average reinvestment rate [5]	3.1		%	3.8		%	3.6		%	3.8		%	3.7		%	3.4		%	3.5		%	3.5		%
Average sales/maturities yield [6]	3.9		%	4.5		%	3.4		%	4.2		%	4.1		%	4.3		%	4.2		%	4.2		%
Portfolio duration (in years) [7]	5.1			5.2			5.0			4.9			5.0			4.8			5.1			5.0

Footnotes [1] through [7] are explained on page 26.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

NET INVESTMENT INCOME

CONSOLIDATED

	THREE MONTHS ENDED													SIX MONTHS ENDED
Net Investment Income by Segment	Jun 30 2016		Mar 31 2016			Dec 31 2015		Sept 30 2015		Jun 30 2015		Mar 31 2015		Jun 30 2016		Jun 30 2015
Net Investment Income
Commercial Lines	$	226	$	209		$	206	$	208	$	239	$	257	$	435	$	496
Personal Lines	33		31			30		29		34		35		64		69
P&C Other Operations	33		32			34		30		34		35		65		69
Total Property & Casualty	$	292	$	272		$	270	$	267	$	307	$	327	$	564	$	634
Group Benefits	88		88			88		91		95		97		176		192
Mutual Funds	1		—			1		—		—		—		1		—
Talcott Resolution	348		325			331		367		390		382		673		772
Corporate	6		11			5		5		4		3		17		7
Total net investment income by segment	$	735	$	696		$	695	$	730	$	796	$	809	$	1,431	$	1,605
	THREE MONTHS ENDED													SIX MONTHS ENDED
Net Investment Income From Limited Partnerships and Other Alternative Investments	Jun 30 2016		Mar 31 2016			Dec 31 2015		Sept 30 2015		Jun 30 2015		Mar 31 2015		Jun 30 2016		Jun 30 2015
Total Property & Casualty	$	23	$	6		$	9	$	5	$	39	$	53	$	29	$	92
Group Benefits	4		3			2		8		8		6		7		14
Talcott Resolution	13		(1		)	1		9		47		40		12		87
Total net investment income from limited partnerships and other alternative investments [1]	$	40	$	8		$	12	$	22	$	94	$	99	$	48	$	193

[1] Amounts are included above in total net investment income by segment.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMPONENTS OF NET REALIZED CAPITAL GAINS (LOSSES)

CONSOLIDATED

	THREE MONTHS ENDED																		SIX MONTHS ENDED
	Jun 30 2016			Mar 31 2016			Dec 31 2015			Sept 30 2015			Jun 30 2015			Mar 31 2015			Jun 30 2016			Jun 30 2015
Net Realized Capital Gains (Losses)
Gross gains on sales	$	124		$	90		$	59		$	83		$	121		$	197		$	214		$	318
Gross losses on sales	(25		)	(108		)	(72		)	(73		)	(112		)	(148		)	(133		)	(260		)
Net impairment losses	(7		)	(23		)	(39		)	(40		)	(11		)	(12		)	(30		)	(23		)
Valuation allowances on mortgage loans	—			—			(3		)	1			—			(3		)	—			(3		)
Periodic net coupon settlements on credit derivatives	—			—			3			3			4			1			—			5
Results of variable annuity hedge program
GMWB derivatives, net	3			(17		)	(52		)	(32		)	(4		)	1			(14		)	(3		)
Macro hedge	(20		)	(14		)	(70		)	51			(23		)	(4		)	(34		)	(27		)
Total results of variable annuity hedge program	(17		)	(31		)	(122		)	19			(27		)	(3		)	(48		)	(30		)
Other net gains (losses) [1]	(22		)	(83		)	48			(37		)	34			(27		)	(105		)	7
Total net realized capital gains (losses)	$	53		$	(155	)	$	(126	)	$	(44	)	$	9		$	5		$	(102	)	$	14
Less: Impacts of DAC	—			(7		)	5			1			(1		)	—			(7		)	(1		)
Less: Realized gains, included in core earnings, before tax	2			—			4			4			4			2			2			6
Total net realized capital gains (losses) including DAC, excluded from core earnings, before tax	51			(148		)	(135		)	(49		)	6			3			(97		)	9
Less: Impacts of tax	21			(52		)	(45		)	(19		)	2			1			(31		)	3
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings	$	30		$	(96	)	$	(90	)	$	(30	)	$	4		$	2		$	(66	)	$	6

[1] Primarily consists of changes in value of non-qualifying derivatives, including credit derivatives, interest rate derivatives used to manage duration, embedded derivatives associated with modified coinsurance reinsurance contracts and the fixed payout annuity hedge.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMPOSITION OF INVESTED ASSETS

CONSOLIDATED

	Jun 30 2016				Mar 31 2016				Dec 31 2015				Sept 30 2015				Jun 30 2015
	Amount [1]		Percent		Amount		Percent		Amount		Percent		Amount		Percent		Amount [1]		Percent
Total investments	$	75,144	100.0	%	$	73,910	100.0	%	$	72,728	100.0	%	$	74,405	100.0	%	$	74,440	100.0	%
Asset-backed securities	$	2,777	4.5	%	$	2,665	4.4	%	$	2,499	4.2	%	$	2,716	4.6	%	$	2,890	4.9	%
Collateralized debt obligations	2,867		4.7	%	3,107		5.1	%	3,038		5.1	%	3,031		5.1	%	3,218		5.4	%
Commercial mortgage-backed securities	5,195		8.5	%	5,224		8.6	%	4,717		8.0	%	4,542		7.7	%	4,664		7.9	%
Corporate	27,158		44.4	%	27,297		45.0	%	26,802		45.3	%	26,772		45.3	%	26,610		45.1	%
Foreign government/government agencies	1,188		1.9	%	1,189		2.0	%	1,308		2.2	%	1,255		2.1	%	1,313		2.2	%
Municipal	12,611		20.6	%	12,303		20.3	%	12,121		20.5	%	12,211		20.7	%	12,298		20.8	%
Residential mortgage-backed securities	4,826		7.9	%	4,338		7.1	%	4,046		6.8	%	3,859		6.5	%	3,969		6.7	%
U.S. Treasuries	4,619		7.5	%	4,570		7.5	%	4,665		7.9	%	4,723		8.0	%	4,166		7.0	%
Total fixed maturities, available-for-sale	$	61,241	100.0	%	$	60,693	100.0	%	$	59,196	100.0	%	$	59,109	100.0	%	$	59,128	100.0	%
U.S. government/government agencies	$	8,887	14.5	%	$	8,316	13.7	%	$	8,179	13.8	%	$	8,167	13.8	%	$	7,694	13.0	%
AAA	7,883		12.9	%	7,771		12.8	%	7,195		12.2	%	7,444		12.6	%	7,675		13.0	%
AA	10,600		17.3	%	10,726		17.7	%	10,584		17.9	%	10,400		17.6	%	10,298		17.4	%
A	15,898		25.9	%	15,631		25.7	%	15,128		25.5	%	15,687		26.5	%	16,265		27.5	%
BBB	14,739		24.1	%	14,968		24.7	%	14,918		25.2	%	14,215		24.1	%	13,952		23.6	%
BB	2,094		3.4	%	2,123		3.5	%	1,983		3.3	%	1,881		3.2	%	1,767		3.0	%
B	915		1.5	%	967		1.6	%	1,034		1.8	%	1,110		1.9	%	1,235		2.1	%
CCC	171		0.3	%	131		0.2	%	116		0.2	%	141		0.2	%	184		0.3	%
CC & below	54		0.1	%	60		0.1	%	59		0.1	%	64		0.1	%	58		0.1	%
Total fixed maturities, available-for-sale	$	61,241	100.0	%	$	60,693	100.0	%	$	59,196	100.0	%	$	59,109	100.0	%	$	59,128	100.0	%

[1] Amount represents the value at which the assets are presented in the Consolidating Balance Sheets (page 4).

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

INVESTED ASSET EXPOSURES

JUNE 30, 2016

	Cost or Amortized Cost		Fair Value		Percent of Total Invested Assets
Top Ten Corporate and Equity, Exposures by Sector, Available-for-sale
Financial services	$	5,853	$	6,182	8.2	%
Utilities	4,805		5,307		7.1	%
Consumer non-cyclical	3,659		4,048		5.4	%
Technology and communications	3,497		3,854		5.1	%
Energy [1]	1,991		2,127		2.8	%
Consumer cyclical	1,911		2,042		2.7	%
Capital goods	1,660		1,823		2.4	%
Basic industry	1,060		1,142		1.5	%
Transportation	832		905		1.2	%
Other	514		555		0.7	%
Total	$	25,782	$	27,985	37.1	%
Top Ten Exposures by Issuer [2]
Morgan Stanley	$	297	$	310	0.4	%
State of California	264		307		0.4	%
Commonwealth of Massachusetts	237		271		0.4	%
JP Morgan Chase & Co.	245		256		0.3	%
New York State Dormitory Authority	222		250		0.3	%
American Electric Power Company Inc.	230		245		0.3	%
Goldman Sachs Group Inc.	223		238		0.3	%
Wells Fargo & Company	234		232		0.3	%
Bank of America Corp.	225		231		0.3	%
CVS Health Corp.	207		230		0.3	%
Total	$	2,384	$	2,570	3.3	%

[1] Excludes investments in foreign government, government agency securities or other fixed maturities that are correlated to energy exposure but are not direct obligations of or exposures to energy-related companies.

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

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. Amounts presented throughout this document have been rounded for presentation purposes.

The Hartford Financial Services Group, Inc. (the "Company", "we", or "our") currently conducts business principally in six reporting segments, Commercial Lines, Personal Lines, Property & Casualty Other Operations ("P&C Other Operations"), Group Benefits, Mutual Funds and Talcott Resolution, as well as a Corporate category.

Property & Casualty ("P&C") businesses consist of three reporting segments: Commercial Lines, Personal Lines and P&C Other Operations. Commercial Lines provides businesses with workers' compensation, property, automobile, liability, umbrella, marine and livestock 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, bond, and specialty casualty coverages are offered through the segment's specialty commercial lines. Personal Lines provides automobile, homeowners and personal umbrella 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 group life, accident and disability coverage, group retiree health and voluntary benefits to individual members of employer groups and associations. Group Benefits offers disability underwriting, administration, claims processing and reinsurance to other insurers and self-funded employer plans.

Mutual Funds provides investment management, administration, distribution and related services to investors through investment products in both domestic and international markets, and is separated into two distinct asset categories referred to as Mutual Fund funds and Talcott funds. Mutual Fund funds are sold primarily through retail, bank trust and registered investment advisor channels. Talcott funds represents those assets held in separate accounts supporting the Company's legacy variable insurance products.

Talcott Resolution is comprised of the runoff of the Company's U.S. annuity and institutional and private-placement life insurance businesses, and the retained Japan fixed payout annuity liabilities.

Corporate includes the Company's capital raising activities (including debt financing and related interest expense), purchase accounting adjustments related to goodwill, and other expenses not allocated to the reporting 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 and earned 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 and insurance operating costs and expenses, including certain centralized services and bad debt expense) 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 benefits, losses and loss adjustment expenses to premiums and other considerations, excluding buyout premiums. The expense ratio is the ratio of insurance operating costs and other expenses to premiums and other considerations, excluding buyout premiums. Buyout premiums represent takeover of open claim liabilities and other non-recurring premium amounts.

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. 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. The Company believes 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, certain restructuring and other costs, loss on extinguishment of debt, reinsurance gains and losses from disposal of businesses, income tax benefit from reduction in deferred income tax valuation allowance, discontinued operations, and the impact of Unlocks to deferred policy acquisition costs (“DAC”), sales inducement assets ("SIA") 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. The Company 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. 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 U.S. 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, the Company believes that it is useful for investors to evaluate both net income and core earnings when reviewing the Company's performance. A reconciliation of net income to core earnings is set forth on page 2.

Core earnings per share is calculated based on the non-GAAP financial measure core earnings. The Company believes 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 U.S. 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, the Company believes 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 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. The Company believes 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 U.S. GAAP measure. A reconciliation of book value per diluted share to book value per diluted share, excluding AOCI, is set forth on page 1.

The Company provides different measures of the return on stockholders' equity (“ROE”). ROE - Core earnings is calculated based on non-GAAP financial measures. ROE - Core earnings is calculated by dividing (a) core earnings for the prior four fiscal quarters by (b) average common stockholders' equity, excluding AOCI. ROE - Net income is the most directly comparable U.S. GAAP measure. ROE - Net income is calculated by dividing (a) net income for the prior four fiscal quarters by (b) average common stockholders' equity, including AOCI. ROEs at the segment level and for consolidated, excluding Talcott Resolution represent a levered view of ROE as debt financing and related interest expense are attributed to the businesses consistent with the overall average debt to capitalization ratios of the consolidated entity.

The Company excludes AOCI in the calculation of ROE, core earnings 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. 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 evaluates profitability of the individual 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 pricing and 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. Net income (loss) is the most directly comparable U.S. GAAP measure. The Company believes 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. Reconciliations of underwriting gain (loss) to net income for the Company's P&C businesses are set forth on pages 8, 10, 14 and 17.

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.

Combined ratio before catastrophes and prior accident year development ("PYD") (also referred to as Current Accident Year ("CAY") combined ratio before catastrophes) is a non-GAAP financial measure. Combined ratio is the most directly comparable GAAP measure. 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 development. A reconciliation of the combined ratio to the combined ratio before catastrophes and PYD for Commercial Lines and Personal Lines is set forth on pages 12 and 15, respectively.

Core earnings margin 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. Core earnings margin is calculated by dividing core earnings by revenues excluding buyouts and realized gains (losses). Net income margin is the most directly comparable U.S. GAAP measure. The Company believes that core earnings margin provides investors with a valuable measure of the performance of Group Benefits because it reveals trends in the business that may be obscured by the effect of buyouts and realized gains (losses). Core earnings margin should not be considered as a substitute for net income margin and does not reflect the overall profitability of Group Benefits. Therefore, the Company believes it is important for investors to evaluate both core earnings margin and net income margin when reviewing performance.

Return on Assets ("ROA"), core earnings, is a non-GAAP financial measure that the Company uses to evaluate the Mutual Funds and Talcott Resolution (Individual Annuity) segments' operating performance. ROA is the most directly comparable U.S. GAAP measure. The Company believes 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, the Company believes it is important for investors to evaluate both ROA, core earnings, and ROA when reviewing the Company's performance.