EXHIBIT 99.1

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

         In connection  with the Annual  Report on Form 11-K for the  transition
period ended December 31, 2002 of The Hartford  Investment and Savings Plan (the
"Plan"), filed with the Securities and Exchange Commission on June 30, 2003 (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
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      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.