Exhibit 10.2

The Hartford Financial Services Group, Inc.
2006-2007 Compensation of Non-Employee Directors

— For the annual service period beginning on May 17, 2006, the date of the next Annual Meeting of Shareholders—

Standard Fees	Description
Annual Restricted Stock Award	· $150,000 valuation
	· Granted on the date of the Annual Meeting of Shareholders
	· Vests three years from the date of the award
Annual Retainer Payable in Cash	· $45,000
	· Payable following the Annual Meeting of Shareholders
Meeting Fee for each meeting of the Board of Directors attended	· $2,500 per meeting
Fee for each Committee meeting attended	· $2,000 per Committee meeting
Committee Chairperson Annual Retainer	· $10,000 for the chairpersons of each of the Compensation and    Personnel Committee, the Legal and Public Affairs Committee and    the Nominating and Corporate Governance Committee
	· $25,000 for the chairperson of the Audit Committee
Other
Deferred Compensation Plan	· May defer all or any portion of cash compensation into The Hartford    Deferred Compensation Plan
	· May defer all of any portion of cash compensation into The Hartford    2005 Incentive Stock Plan.
Insurance	· $100,000 of group life insurance and $750,000 of AD&D
	· Directors may purchase additional voluntary AD&D insurance
Reimbursable Expenses	· Travel and related expenses incurred in connection with service on    the Board of Directors and its Committees
	· All reasonable expenses incurred for director education