EXHIBIT 23.1

            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

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 15, 2004, appearing in this Annual Report on Form
11-K of The Hartford Investment and Savings Plan for the year ended December 31,
2003.

DELOITTE & TOUCHE LLP
Hartford, Connecticut
June 22, 2004

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