EXHIBIT 23.1



                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
                   -----------------------------------------



THE HARTFORD FINANCIAL SERVICES GROUP, INC.:

As independent public accountants, we hereby consent to the incorporation by
reference in this registration statement of our report dated January 31, 2000
included in The Hartford Financial Services Group, Inc.'s Form 10-K for the year
ended December 31, 1999 and to all references to our firm included in this
registration statement.



                                                  /s/  Arthur Andersen LLP

Hartford, Connecticut
November 2, 2000


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