Exhibit 23.01

                        INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this Amendment No. 1 to
Registration Statement No. 333-103915 of The Hartford Financial Services Group,
Inc. (the "Company") on Form S-3 of our report dated February 19, 2003 (which
report expresses an unqualified opinion and includes an explanatory paragraph
relating to the Company's changes in its method of accounting for [a] goodwill
and indefinite-lived intangible assets in 2002, [b] accounting for derivative
instruments and hedging activities in 2001 and [c] the recognition of interest
income and impairment on purchased retained beneficial interests in securitized
financial assets in 2001) appearing in the Annual Report on Form 10-K of the
Company for the year ended December 31, 2002 and to the reference to us under
the heading "Experts" in the Prospectus, which is part of this Amendment No. 1
to Registration Statement No. 333-103915.


/s/ DELOITTE & TOUCHE LLP

April 8, 2003