EXHIBIT 15.01







August 1, 2003

To the Board of Directors and Stockholders of
The Hartford Financial Services Group, Inc.
Hartford, Connecticut

We have made a review, in accordance with standards  established by the American
Institute of Certified Public  Accountants,  of the unaudited  interim financial
information of The Hartford Financial Services Group, Inc. and subsidiaries (the
"Company")  for the periods  ended June 30, 2003 and 2002,  as  indicated in our
report dated August 1, 2003;  because we did not perform an audit,  we expressed
no opinion on that information.

We are aware  that our  report  referred  to  above,  which is  included  in the
Company's  Quarterly  Report on Form 10-Q for the second  quarter ended June 30,
2003, is incorporated by reference in  Registration  Statement Nos.  333-105707,
333-049170, 333-105706, 333-034092, 033-080665 and 333-012563 on Form S-8.

We also are aware that the aforementioned report,  pursuant to Rule 436(c) under
the  Securities  Act of  1933,  is not  considered  a part  of the  Registration
Statement  prepared  or  certified  by an  accountant  or a report  prepared  or
certified by an accountant within the meaning of Sections 7 and 11 of that Act.



DELOITTE & TOUCHE LLP
Hartford, Connecticut