Exhibit 23.01


                          INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this Registration Statement 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] 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 Registration Statement.





DELOITTE & TOUCHE LLP
Hartford, Connecticut
August 14, 2003