EXHIBIT 99.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
        ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      In  connection  with the  Annual  Report on Form  11-K for the year  ended
December 30, 2002 of The  Hartford  Investment  and Savings  Plan (the  "Plan"),
filed with the  Securities  and  Exchange  Commission  on the date  hereof  (the
"Report"),  the undersigned  fiduciary hereby  certifies,  pursuant to 18 U.S.C.
Section 1350 as enacted by Section 906 of the Sarbanes-Oxley Act of 2002, that:

1)    The Report  fully  complies  with the  requirements  of  Section  13(a) or
      Section 15(d) of the Securities Exchange Act of 1934; and

2)    The information  contained in the Report fairly presents,  in all material
      respects, the financial condition and results of operations of the Plan.


      THE HARTFORD INVESTMENT AND SAVINGS PLAN


      /s/  DAVID M. JOHNSON
      ---------------------------------------------------
      Name:       David M. Johnson
      Title:      Chairperson of the Pension Fund Trust and Investment Committee
      Date:       June 30, 2003


A signed  original of this  written  statement  required by Section 906 has been
provided to The Hartford  Financial Services Group, Inc. and will be retained by
The Hartford  Financial Services Group, Inc. and furnished to the Securities and
Exchange Commission or its staff upon request.