UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934


Date of Report (Date of earliest event reported):   August 3, 2005
                                                   ----------------

                   THE HARTFORD FINANCIAL SERVICES GROUP, INC.
                   -------------------------------------------
             (Exact name of registrant as specified in its charter)

                                                                                   

             Delaware                                    001-13958                             13-3317783
------------------------------------         -----------------------------------        ---------------------------
(State or other jurisdiction                          (Commission                               (IRS Employer
        of incorporation)                             File Number)                            Identification No.)


         The Hartford Financial Services Group, Inc.
         Hartford Plaza
         Hartford, Connecticut                                           06115-1900
         --------------------------------------------                  --------------
            (Address of principal executive offices)                     (Zip Code)


Registrant's telephone number, including area code:           (860) 547-5000
                                                         -----------------------






Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|_| Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

|_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

|_| Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

|_| Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))








ITEM 2.02         RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

Item 7.01 of this Current Report on Form 8-K includes information about The
Hartford Financial Services Group, Inc.'s results of operations for the quarter
ended June 30, 2005, which is incorporated herein by reference.

ITEM 7.01         REGULATION FD DISCLOSURE.

The Hartford Financial Services Group, Inc. reported that, on August 2, 2005, a
nationally known credit ratings agency inadvertently made available to its
subscribers for a limited period a report about The Hartford.  The report
included non-public information about two reserve studies that were completed in
the second quarter of 2005.  The Hartford is making the following disclosure in
order to provide all of the company's investors with information about the two
studies.

The credit ratings agency report included information about two comprehensive
studies on business reported in The Hartford's "other operations" segment.
First, the annual, ground-up asbestos review resulted in no addition to the
company's asbestos reserves.  Second, the company also completed a review of
reserves related to HartRe's assumed reinsurance business, which is in runoff.
This study resulted in a reserve increase of $73 million, pre-tax, primarily for
U.S. casualty assumed reinsurance written during the 1997-2001 period.

As previously announced, The Hartford will release its second quarter 2005
earnings results Thursday, August 4, 2005, at approximately 4:30 p.m. EDT.  The
company's conference call to discuss its results will take place Friday, August
5, 2005, at 10 a.m. EDT and will be simultaneously Webcast at
www.thehartford.com/ir.









                                    SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.




                                   THE HARTFORD FINANCIAL SERVICES GROUP, INC.


Date:  August 3, 2005              By: /s/ Neal S. Wolin
                                        ---------------------------------------
                                        Name:  Neal S. Wolin
                                        Title: Executive Vice President
                                        and General Counsel