EXHIBIT 23.1




                          INDEPENDENT AUDITORS' CONSENT




The Hartford Financial Services Group, Inc.:

We consent to the  incorporation  by reference in  Registration  Statement  Nos.
333-105706 and 333-34092 of The Hartford  Financial Services Group, Inc. on Form
S-8 of our report dated June 27, 2003,  appearing in this Annual  Report on Form
11-K of The  Hartford  Investment  and Savings Plan for the one day period ended
December 31, 2002.


DELOITTE & TOUCHE LLP



Hartford, Connecticut
June 27, 2003