8-K

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): November 2, 2010

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

(Exact name of registrant as specified in its charter)

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

The Hartford Financial Services Group, Inc. One Hartford Plaza Hartford, Connecticut	06155
(Address of principal executive offices)	(Zip Code)

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

(Former name or former address, if changed since last report.)

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:

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

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

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

o 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

On November 2, 2010, The Hartford Financial Services Group, Inc. issued its Investor Financial Supplement (“IFS”) relating to its financial results for the quarter ended September 30, 2010. A copy of the IFS is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

Exhibit No.
	99.1	Investor Financial Supplement of The Hartford Financial Services Group, Inc. for the quarter ended September 30, 2010

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: November 2, 2010	By:	/s/ Beth A. Bombara
		Name:	Beth A. Bombara
		Title:	Senior Vice President and Controller

EX-99.1

Exhibit 99.1

INVESTOR FINANCIAL SUPPLEMENT

SEPTEMBER 30, 2010

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

Address:
One Hartford Plaza
Hartford, CT 06155

Internet address:
http://www.thehartford.com

Contacts:

Rick Costello
Senior Vice President
Investor Relations
Phone (860) 547-8480

Margaret Mann
Program Assistant
Investor Relations
Phone (860) 547-3800

As of October 27, 2010

	A.M. Best	Fitch	Standard & Poor’s	Moody’s
Insurance Financial Strength Ratings:
Hartford Fire Insurance Company	A	A+	A	A2
Hartford Life Insurance Company	A	A-	A	A3
Hartford Life and Accident Insurance Company	A	A-	A	A3
Hartford Life and Annuity Insurance Company	A	A-	A	A3
Other Ratings:
The Hartford Financial Services Group, Inc.:
Senior debt	bbb+	BBB-	BBB	Baa3
Commercial paper	AMB-2	F2	A-2	P-3

TRANSFER AGENT
The Bank of New York Mellon
BNY Mellon Shareowner Services
480 Washington Boulevard
Jersey City, NJ 07310
1 (877) 272-7740

COMMON STOCK

Common stock of The Hartford Financial Services Group, Inc. is traded on the New York Stock Exchange under the symbol “HIG”.

This report is for information purposes only. It should be read in conjunction with documents filed by The Hartford Financial Services Group, Inc. with the U.S. Securities and Exchange Commission, including the most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
INVESTOR FINANCIAL SUPPLEMENT
TABLE OF CONTENTS

Basis of Presentation	i, ii, iii
CONSOLIDATED
Consolidated Financial Results	1
Operating Results by Segment	2
Consolidated Statements of Operations	3
Consolidated Balance Sheets	4
Capital Structure	5
Statutory Surplus to GAAP Stockholders’ Equity Reconciliation	6
Accumulated Other Comprehensive Loss	7
Computation of Basic and Diluted Earnings (Losses) Per Common Share	8
Analysis of Net Realized Capital Gains (Losses) After-tax and DAC	9
Computation of Return-on-Equity Measures	10
Components of Net Realized Capital Gains (Losses) After-tax and DAC and Excluded From Core Earnings
Three Months Ended September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010	11
Nine Months Ended September 30, 2009 and 2010	12
COMMERCIAL MARKETS
Income Statements	13
Property & Casualty Commercial
Operating Results	14
Underwriting Results	15
Group Benefits
Income Statements	16
Supplemental Data	17
CONSUMER MARKETS
Income Statements	18
Operating Results	19
Underwriting Results	20
Written and Earned Premiums	21
WEALTH MANAGEMENT
Operating Results	22
Deferred Policy Acquisition Costs and Present Value of Future Profits	23
Supplemental Data- Annuity Death and Income Benefits	24
Global Annuity
Income Statements	25
Supplemental Data
U.S.-Account Value Rollforward	26
International-Account Value Rollforward	27
Other-Account Value and Asset Rollforward	28
Life Insurance
Income Statements	29
Supplemental Data — Individual Life	30
Account Value Rollforward — Individual Life	31
Account Value and Account Value Rollforward — Private Placement Life Insurance	32
Retirement Plans
Income Statements	33
Supplemental Data
Assets Under Management and Administration	34
Account Value and Asset Rollforward	35
Mutual Funds
Income Statements	36
Supplemental Data
Deposits and Assets Under Management	37
Asset Rollforward	38
CORPORATE AND OTHER
Income Statements	39
Other Operations
Operating Results	40
INVESTMENTS
Investment Earnings Before-tax	41
Composition of Invested Assets	42
Unrealized Loss Aging	43
Invested Asset Exposures
As of September 30, 2010	44

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
BASIS OF PRESENTATION

DEFINITIONS AND PRESENTATION

• All amounts are in millions, except for per share and ratio information unless otherwise stated.

• The Company has changed its reporting segments effective for third quarter 2010 reporting. The segment changes reflect the manner in which the Company is currently organized for purposes of making operating decisions and assessing performance. Accordingly, segment data for prior reporting periods has been adjusted to reflect the new segment reporting. As a result, the Company created three customer focused divisions: Commercial Markets, Consumer Markets and Wealth Management.

• The Commercial Markets division consists of the reporting segments of Property & Casualty Commercial and Group Benefits. Property & Casualty Commercial provides workers’ compensation, property, automobile, liability and umbrella coverages, primarily throughout the United States (“U.S.”), along with a variety of customized insurance products and risk management services including professional liability, fidelity, surety, specialty casualty coverages and third-party administrator services.

• Group Benefits provides employers, associations, affinity groups and financial institutions with group life, accident and disability coverage, along with other products and services, including voluntary benefits and group retiree health.

• Consumer Markets provides standard automobile, homeowners and home-based business coverages to individuals across the U.S., including a special program designed exclusively for members of AARP. Consumer Markets also operates a member contact center for health insurance products offered through the AARP Health program.

• The Wealth Management division includes the reporting segments of Global Annuity, Life Insurance, Retirement Plans and Mutual Funds. Global Annuity offers individual variable, fixed market value adjusted, and single premium immediate annuities in the U.S. and administers investments, retirement savings and other insurance and savings products to individuals and groups outside of the U.S., primarily in Japan and Europe. Life insurance sells a variety of life insurance products, including variable universal life, universal life, and term life, as well as variable private placement life insurance owned by corporations and high net worth individuals. Retirement Plans provides products and services to corporations pursuant to Section 401(k) and products and services to municipalities and not-for-profit organizations under Section 457 and 403(b) of the IRS code. Mutual Funds offers retail, proprietary and investment-only mutual funds and 529 college savings plans.

• The Hartford includes in Corporate and Other the Company’s debt financing and related interest expense, as well as other capital raising activities, certain property and casualty insurance operations of The Hartford that have discontinued writing new business and includes substantially all of the Company’s asbestos and environmental exposures, banking operations and certain purchase accounting adjustments and other charges not allocated to the segments.

• Certain operating and statistical measures have been incorporated herein to provide supplemental data that indicate current trends in The Hartford’s business. These measures include sales, deposits, net flows, account value, insurance in-force and premium retention. Premium retention is defined as renewal premium written in the current period divided by total premium written in the prior period.

• The Hartford, along with others in the property and casualty insurance industry, uses underwriting ratios as measures of performance. The loss and loss adjustment expense ratio is the ratio of losses and loss adjustment expenses to earned premiums. The expense ratio is the ratio of underwriting expenses (amortization of deferred policy acquisition costs, as well as other underwriting expenses) to earned premiums. The policyholder dividend ratio is the ratio of policyholder dividends to earned premiums. The combined ratio is the sum of the loss and loss adjustment expense ratio, the expense ratio and the policyholder dividend ratio. These ratios are relative measurements that describe the related cost of losses and expenses for every $100 of earned premiums. A combined ratio below 100 demonstrates underwriting profit; a combined ratio above 100 demonstrates underwriting losses. The catastrophe ratio (a component of the loss ratio) represents the ratio of catastrophe losses to earned premiums.

• The Hartford, along with others in the life insurance industry, uses underwriting ratios as measures of the Group Benefits segment’s performance. The loss ratio is the ratio of total benefits, losses and loss adjustment expenses, excluding buyouts, to total premiums and other considerations excluding buyout premiums. The expense ratio is the ratio of insurance operating costs and other expenses to total premiums and other considerations excluding buyout premiums.

• Accumulated other comprehensive income (“AOCI”) represents net of tax unrealized gain (loss) on available-for-sale securities; other than temporary impairment losses recognized in AOCI; net gain (loss) on cash-flow hedging instruments; foreign currency translation adjustments; and pension and other postretirement adjustments.

• Noncontrolling interest (“NCI”) represents the minority interest portion of the equity of a subsidiary that is not attributable, directly or indirectly, to The Hartford.

• Mutual fund assets are an internal measure of assets under management used by the Company because a portion of revenues are based upon asset levels. Mutual funds assets are not included on the balance sheet.

• Assets under management is a measure used by the Company because a significant portion of the Company’s revenues are based upon asset values. These revenues increase or decrease with a rise or fall in the amount of assets under management whether caused by changes in the market or through net flow.

• Assets under administration represents the client asset base of the Company’s recordkeeping business for which revenues are predominately based on the number of plan participants. Unlike assets under management, increases or decreases in assets under administration do not have a direct corresponding increase or decrease to the Company’s revenues.

• Yields are calculated using annualized net investment income (excluding income related to equity securities, trading) divided by the monthly average invested assets at cost, amortized cost, or adjusted carrying value, as applicable, excluding equity securities, trading, securities lending collateral and consolidated variable interest entity non-controlling interests.

• NM — Not meaningful means increases or decreases greater than or equal to 200%, or changes from a net gain to a net loss position, or vice versa.

i

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
BASIS OF PRESENTATION (CONTINUED)

DISCUSSION OF NON-GAAP AND OTHER FINANCIAL MEASURES

• The Hartford uses non-GAAP and other financial measures in this Investor Financial Supplement to assist investors in analyzing the Company’s operating performance for the periods presented herein. Because The Hartford’s calculation of these measures may differ from similar measures used by other companies, investors should be careful when comparing The Hartford’s non-GAAP and other financial measures to those of other companies.

• The Hartford uses the non-GAAP financial measure core earnings as an important measure of the Company’s operating performance. The Hartford believes that the measure core earnings provides investors with a valuable measure of the performance of the Company’s ongoing businesses because it reveals trends in our insurance and financial services businesses that may be obscured by the net effect of certain realized capital gains and losses. Some realized capital gains and losses are primarily driven by investment decisions and external economic developments, the nature and timing of which are unrelated to the insurance and underwriting aspects of our business. Accordingly, core earnings excludes the effect of all realized gains and losses (net of tax and the effects of deferred policy acquisition costs (“DAC”)) that tend to be highly variable from period to period based on capital market conditions. The Hartford believes, however, that some realized capital gains and losses are integrally related to our insurance operations, so core earnings includes net realized gains and losses such as net periodic settlements on credit derivatives and net periodic settlements on the Japan fixed annuity cross-currency swap. These net realized gains and losses are directly related to an offsetting item included in the income statement such as net investment income. Core earnings is also used by management to assess our operating performance and is one of the measures considered in determining incentive compensation for our managers. Net income is the most directly comparable GAAP measure. Core earnings should not be considered as a substitute for net income and does not reflect the overall profitability of our business. Therefore, The Hartford believes that it is useful for investors to evaluate both net income and core earnings when reviewing the Company’s performance. A reconciliation of net income to core earnings for the periods presented herein is set forth on pages 2 and 2a.

• Core earnings per share is calculated based on the non-GAAP financial measure core earnings. The Hartford believes that the measure core earnings per share provides investors with a valuable measure of the Company’s operating performance for many of the same reasons applicable to its underlying measure, core earnings. Net income per share is the most directly comparable GAAP measure. Core earnings per share should not be considered as a substitute for net income per share and does not reflect the overall profitability of our business. Therefore, the Hartford believes that it is useful for investors to evaluate both net income per share and core earnings per share when reviewing our performance. A reconciliation of net income per share to core earnings per share for the periods presented herein is set forth on page 8.

• Written premiums is a statutory accounting financial measure used by The Hartford as an important indicator of the operating performance of the Company’s Property & Casualty Commercial and Consumer Markets operations. Because written premiums represents the amount of premium charged for policies issued, net of reinsurance, during a fiscal period, The Hartford believes it is useful to investors because it reflects current trends in The Hartford’s sale of property and casualty insurance products. Earned premiums, the most directly comparable GAAP measure, represents all premiums that are recognized as revenues during a fiscal period. The difference between written premiums and earned premiums is attributable to the change in unearned premium reserves. A reconciliation of written premiums to earned premiums for Property & Casualty Commercial and Consumer Markets is set forth at pages and 14 and 19, respectively.

• The Hartford’s management evaluates profitability of the Property & Casualty Commercial and Consumer Markets segments primarily on the basis of underwriting results. Underwriting results is a before-tax measure that represents earned premiums less incurred losses, loss adjustment expenses and underwriting expenses. Net income is the most directly comparable GAAP measure. Underwriting results are influenced significantly by earned premium growth and the adequacy of The Hartford’s pricing. Underwriting profitability over time is also greatly influenced by The Hartford’s underwriting discipline, which seeks to manage exposure to loss through favorable risk selection and diversification, its management of claims, its use of reinsurance and its ability to manage its expense ratio, which it accomplishes through economies of scale and its management of acquisition costs and other underwriting expenses. The Hartford believes that underwriting results provides investors with a valuable measure of before-tax profitability derived from underwriting activities, which are managed separately from the Company’s investing activities. A reconciliation of underwriting results to net income for Property & Casualty Commercial and Consumer Markets is set forth at pages and 14 and 19, respectively.

• A catastrophe is a severe loss, resulting from natural or manmade events, including risks such as fire, earthquake, windstorm, explosion, terrorist attack and similar events. Each catastrophe has unique characteristics. Catastrophes are not predictable as to timing or loss amount in advance, and therefore their effects are not included in earnings or losses and loss adjustment expense reserves prior to occurrence. The Hartford believes that a discussion of the effect of catastrophes is meaningful for investors to understand the variability of periodic earnings.

• ROA, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings, is a non-GAAP financial measure that the Company uses to evaluate, and believes is an important measure of, segment operating performance. ROA is the most directly comparable U.S. GAAP measure. The Hartford believes that the measure ROA, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings provides investors with a valuable measure of the performance of the Company’s on-going businesses because it reveals trends in our businesses that may be obscured by the effect of excluding net realized gains (losses), net of tax and DAC, excluded from core earnings. Some realized capital gains and losses are primarily driven by investment decisions and external economic developments, the nature and timing of which are unrelated to insurance aspects of our businesses. Accordingly, these non-GAAP measures exclude the effect of all realized gains and losses that tend to be highly variable from period to period based on capital market conditions. The Hartford believes, however, that some realized capital gains and losses are integrally related to our insurance operations, so ROA, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings, should include net realized gains and losses on net periodic settlements on the Japan fixed annuity cross-currency swap. These net realized gains and losses are directly related to an offsetting item included in the statement of operations such as net investment income. ROA, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings should not be considered as a substitute for ROA and does not reflect the overall profitability of our businesses. Therefore, the Company believes it is important for investors to evaluate both ROA, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings and ROA when reviewing the Company’s performance.

ii

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
BASIS OF PRESENTATION (CONTINUED)

DISCUSSION OF NON-GAAP AND OTHER FINANCIAL MEASURES

• After-tax margin, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings, is a non-GAAP financial measure that the Company uses to evaluate, and believes are important measures of, segment operating performance. After-tax margin is the most directly comparable U.S. GAAP measure. The Hartford believes that the measure after-tax margin, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings, provides investors with a valuable measure of the performance of the Company’s on-going businesses because it reveals trends in our businesses that may be obscured by the effect of realized gains (losses). Some realized capital gains and losses are primarily driven by investment decisions and external economic developments, the nature and timing of which are unrelated to insurance aspects of our businesses. Accordingly, these non-GAAP measures exclude the effect of all realized gains and losses that tend to be highly variable from period to period based on capital market conditions. The Hartford believes, however, that some realized capital gains and losses are integrally related to our insurance operations, so after-tax margin, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings, should include net realized gains and losses on net periodic settlements on the Japan fixed annuity cross-currency swap. These net realized gains and losses are directly related to an offsetting item included in the statement of operations such as net investment income. After-tax margin, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings, should not be considered as a substitute for after-tax margin and does not reflect the overall profitability of our businesses. Therefore, the Company believes it is important for investors to evaluate both after-tax margin, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings, and after-tax margin when reviewing the Company’s performance.

• Book value per common share excluding accumulated other comprehensive income (“AOCI”) is calculated based upon a non-GAAP financial measure. It is calculated by dividing (a) common stockholders’ equity, excluding AOCI, net of tax, by (b) common shares outstanding. The Hartford provides book value per common share excluding AOCI to enable investors to analyze the amount of the Company’s net worth that is primarily attributable to the Company’s business operations. The Hartford believes book value per common share, excluding AOCI, is useful to investors because it eliminates the effect of items that can fluctuate significantly from period to period, primarily based on changes in interest rates. Book value per common share is the most directly comparable GAAP measure. A reconciliation of book value per common share to book value per common share, excluding AOCI, for the periods presented herein is set forth at page 1.

• Book value per diluted share excluding accumulated other comprehensive income (“AOCI”) is calculated based upon a non-GAAP financial measure. It is calculated by dividing (a) total stockholders’ equity, excluding AOCI, net of tax, by (b) common shares outstanding and dilutive potential common shares. The Hartford provides book value per diluted share excluding AOCI to enable investors to analyze the amount of the Company’s net worth that is primarily attributable to the Company’s business operations. The Hartford believes book value per diluted share, excluding AOCI, is useful to investors because it eliminates the effect of items that can fluctuate significantly from period to period, primarily based on changes in interest rates. Book value per diluted share is the most directly comparable GAAP measure. A reconciliation of book value per diluted share to book value per diluted share, excluding AOCI, for the periods presented herein is set forth at page 1.

• The Hartford provides different measures of the return on common equity (“ROE”) of the Company. ROE (core earnings last twelve months to common equity, excluding AOCI), is calculated based on non-GAAP financial measures. ROE (core earnings last twelve months to common equity, excluding AOCI) is calculated by dividing (a) core earnings for the prior four fiscal quarters by (b) average common stockholders’ equity, excluding AOCI. When calculating ROE, the MCP preferred stock is included in average common stockholders’ equity and MCP preferred dividends are excluded from net loss available to common shareholders and core earnings (losses) available to common shareholders. The Hartford provides to investors return-on-equity measures based on its non-GAAP core earnings financial measures for the reasons set forth in the related discussion above. The Hartford excludes AOCI in the calculation of these return-on-equity measures to provide investors with a measure of how effectively the Company is investing the portion of the Company’s net worth that is primarily attributable to the Company’s business operations. ROE (net income last twelve months to common equity, including AOCI) is the most directly comparable GAAP measure. A reconciliation of the non-GAAP return-on-equity measures for the periods presented herein to ROE (net income last twelve months to common equity, including AOCI) is set forth at page 10.

iii

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATED FINANCIAL RESULTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
HIGHLIGHTS
Net income (loss)	$	(220	)	$	557		$	319		$	76		$	666		NM			NM			$	(1,444	)	$	1,061		NM
Core earnings	$	660		$	689		$	545		$	92		$	710			8	%	NM			$	107		$	1,347		NM
Total revenues [1]	$	5,230		$	6,440		$	6,319		$	3,336		$	6,673			28	%		100	%	$	18,261		$	16,328			(11	%)
Total assets	$	316,720		$	307,717		$	317,282		$	314,150		$	313,926			(1	%)		—
PER SHARE AND SHARES DATA [2]
Basic earnings per common share
Net income (loss) available to common shareholders	$	(0.79	)	$	1.29		$	(0.42	)	$	0.15		$	1.48		NM			NM			$	(4.52	)	$	1.30		NM
Core earnings available to common shareholders	$	1.68		$	1.64		$	0.16		$	0.18		$	1.58			(6	%)	NM			$	0.13		$	1.97		NM
Diluted earnings (losses) per common share
Net income (loss) available to common shareholders	$	(0.79	)	$	1.19		$	(0.42	)	$	0.14		$	1.34		NM			NM			$	(4.52	)	$	1.21		NM
Core earnings available to common shareholders	$	1.56		$	1.51		$	0.14		$	0.17		$	1.43			(8	%)	NM			$	0.12		$	1.82		NM
Weighted average common shares outstanding (basic)		356.1			382.7			393.7			443.9			444.1		88.0		sh	0.2		sh		334.1			427.2		93.1		sh
Weighted average common shares outstanding and dilutive potential common shares (diluted)		382.5			416.2			428.5			480.2			495.3		112.8		sh	15.1		sh		343.6			461.1		117.5		sh
Common shares outstanding		383.0			383.0			443.9			444.1			444.4		61.4		sh	0.3		sh		383.0			444.4		61.4		sh
Book value per common share	$	37.90		$	38.92		$	38.94		$	41.29		$	45.80			21	%		11	%
Per common share impact of AOCI	$	(8.40	)	$	(8.64	)	$	(5.35	)	$	(3.10	)	$	0.44		NM			NM
Book value per common share (excluding AOCI)	$	46.30		$	47.56		$	44.29		$	44.39		$	45.36			(2	%)		2	%
Book value per diluted share	$	34.64		$	35.96		$	35.17		$	38.16		$	42.11			22	%		10	%
Per diluted share impact of AOCI	$	(7.67	)	$	(7.99	)	$	(4.68	)	$	(2.79	)	$	0.39		NM			NM
Book value per diluted share (excluding AOCI)	$	42.31		$	43.95		$	39.85		$	40.95		$	41.72			(1	%)		2	%
Common shares outstanding and dilutive potential common shares		419.1			414.5			507.3			495.0			496.5		77.4		sh	1.5		sh
FINANCIAL RATIOS
ROE (net income last 12 months to common stockholder equity including AOCI) [3]		(17.2	%)		(8.4	%)		0.2	%		0.9	%		6.1	%		23.3			5.2
ROE (core earnings last 12 months to common stockholder equity excluding AOCI) [3]		(1.0	%)		3.8	%		10.6	%		7.4	%		7.8	%		8.8			0.4
Debt to capitalization, including AOCI		25.1	%		24.6	%		27.8	%		25.9	%		24.0	%		(1.1	)		(1.9	)
Annualized investment yield, after-tax		2.9	%		2.9	%		3.0	%		3.3	%		3.1	%		0.2			(0.2	)		2.8	%		3.1	%		0.3

[1]	Total revenues of The Hartford are impacted by net investment income and mark-to-market effects of equity securities, trading, supporting the international variable annuity business, which have corresponding amounts credited to policyholders within benefits, losses and loss adjustment expenses. See page 3 for the impact to total revenues along with the corresponding amounts in benefits, losses and loss adjustment expenses in the three months ended September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010, respectively, and the nine months ended September 30, 2009 and 2010, respectively.
[2]	See page 8 for computation of basic and diluted earnings (losses) per common share.
[3]	See page 10 for a computation of return-on-equity measures.

1

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
OPERATING RESULTS BY SEGMENT

(A reconciliation of core earnings (losses) to net income (loss) for each of the segments is set forth on the respective segment pages contained in this supplement.)

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Property & Casualty Commercial	$	258		$	318		$	242		$	258		$	300			16	%		16	%	$	718		$	800			11	%
Group Benefits		85			79			50			34			44			(48	%)		29	%		192			128			(33	%)
Commercial Markets core earnings		343			397			292			292			344			—			18	%		910			928			2	%
Consumer Markets core earnings (losses)		24			62			63			(15	)		69			188	%	NM				112			117			4	%
Global Annuity [1]		381			251			209			(9	)		259			(32	%)	NM				(588	)		459		NM
Life Insurance		34			37			48			60			85			150	%		42	%		91			193			112	%
Retirement Plans		15			(1	)		11			10			35			133	%	NM				(33	)		56		NM
Mutual Funds		11			17			26			22			19			73	%		(14	%)		17			67		NM
Wealth Management core earnings (losses) [1]		441			304			294			83			398			(10	%)	NM				(513	)		775		NM
Corporate and Other core losses [2][3]		(148	)		(74	)		(104	)		(268	)		(101	)		32	%		62	%		(402	)		(473	)		(18	%)
CONSOLIDATED
Core earnings		660			689			545			92			710			8	%	NM				107			1,347		NM
Add: Net realized capital losses, net of tax and DAC, excluded from core earnings [4][5]		(880	)		(132	)		(226	)		(16	)		(44	)		95	%		(175	%)		(1,551	)		(286	)		82	%
Net income (loss)	$	(220	)	$	557		$	319		$	76		$	666		NM			NM			$	(1,444	)	$	1,061		NM
PER SHARE DATA (6)
Diluted earnings (losses) per common share
Core earnings available to common shareholders	$	1.56		$	1.51		$	0.14		$	0.17		$	1.43			(8	%)	NM			$	0.12		$	1.82		NM
Net income (loss) available to common shareholders	$	(0.79	)	$	1.19		$	(0.42	)	$	0.14		$	1.34		NM			NM			$	(4.52	)	$	1.21		NM

[1]	Includes the after-tax charges of $40 recorded in the nine months ended September 30, 2009, for the effect of the triggering of the guaranteed minimum income benefit for the 3Win product on amortization of deferred policy acquisition costs and policyholder benefits.
[2]	Includes an after-tax charge of $32 for goodwill impairments in the nine months ended September 30, 2009 and an after-tax charge of $47 for a litigation settlement in the three months ended March 31, 2010 and nine months ended September 30, 2010. Also, includes an after-tax charge of $100 for Goodwill impairments in the three months ended June 30, 2010 and nine months ended September 30, 2010.
[3]	Includes the after-tax restructuring charges of $22, $21 and $10 recorded in the three months ended September 30, 2009, December 31, 2009 and June 30, 2010, respectively.
[4]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax and DAC, for the periods presented herein.
[5]	Includes those net realized capital losses not included in core earnings (losses). See page 9 for further analysis.
[6]	See page 8 for the reconciliation of net income (loss) per common share to core earnings (losses) per common share.

2

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATED STATEMENTS OF OPERATIONS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Earned premiums	$	3,499		$	3,504		$	3,527		$	3,506		$	3,513			—			—		$	10,920		$	10,546			(3	%)
Fee income		1,140			1,207			1,189			1,195			1,173			3	%		(2	%)		3,369			3,557			6	%
Net investment income (loss):
Securities available-for-sale and other		1,049			1,041			1,060			1,153			1,083			3	%		(6	%)		2,990			3,296			10	%
Equity securities, trading [1]		638			751			701			(2,649	)		1,043			63	%	NM				2,437			(905	)	NM
Total net investment income (loss)		1,687			1,792			1,761			(1,496	)		2,126			26	%	NM				5,427			2,391			(56	%)
Realized capital gains (losses):
Total other-than-temporary impairment (“OTTI”) losses		(760	)		(645	)		(340	)		(292	)		(146	)		81	%		50	%		(1,546	)		(778	)		50	%
OTTI losses recognized in other comprehensive income		224			211			188			184			31			(86	%)		(83	%)		472			403			(15	%)
Net OTTI losses recognized in earnings		(536	)		(434	)		(152	)		(108	)		(115	)		79	%		(6	%)		(1,074	)		(375	)		65	%
Net realized capital gains (losses), excluding OTTI losses recognized in earnings		(683	)		240			(124	)		119			(146	)		79	%	NM				(742	)		(151	)		80	%
Total net realized capital gains (losses)		(1,219	)		(194	)		(276	)		11			(261	)		79	%	NM				(1,816	)		(526	)		71	%
Other revenues		123			131			118			120			122			(1	%)		2	%		361			360			—
Total revenues		5,230			6,440			6,319			3,336			6,673			28	%		100	%		18,261			16,328			(11	%)
Benefits, losses and loss adjustment expenses		3,070			3,032			3,133			3,592			3,037			(1	%)		(15	%)		10,799			9,762			(10	%)
Benefits, losses and loss adjustment expenses — returns credited on International variable annuities [1]		638			751			701			(2,649	)		1,043			63	%	NM				2,437			(905	)	NM
Amortization of deferred policy acquisition costs and present value of future profits		687			647			651			938			438			(36	%)		(53	%)		3,620			2,027			(44	%)
Insurance operating costs and expenses		1,174			1,163			1,179			1,177			1,105			(6	%)		(6	%)		3,472			3,461			—
Interest expense		118			119			120			132			128			8	%		(3	%)		357			380			6	%
Goodwill impairment		—			—			—			153			—			—			(100	%)		32			153		NM
Total benefits and expenses		5,687			5,712			5,784			3,343			5,751			1	%		72	%		20,717			14,878			(28	%)
Income (loss) before income taxes		(457	)		728			535			(7	)		922		NM			NM				(2,456	)		1,450		NM
Income tax expense (benefit)		(237	)		171			216			(83	)		256		NM			NM				(1,012	)		389		NM
Net income (loss)		(220	)		557			319			76			666		NM			NM				(1,444	)		1,061		NM
Less: Net realized capital losses, net of tax and DAC, excluded from core earnings [2]		(880	)		(132	)		(226	)		(16	)		(44	)		95	%		(175	%)		(1,551	)		(286	)		82	%
Core earnings	$	660		$	689		$	545		$	92		$	710			8	%	NM			$	107		$	1,347		NM

[1]	Includes investment income and mark-to-market effects of equity securities, trading, supporting the international variable annuity business, which are classified in net investment income with corresponding amounts credited to policyholders within benefits, losses and loss adjustment expenses.
[2]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax and DAC, for the periods presented herein.

3

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATED BALANCE SHEETS

															Year Over
	THREE MONTHS ENDED														Year			Sequential
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,		3 Month			3 Month
	2009			2009			2010			2010			2010		Change			Change
Investments
Fixed maturities, available-for-sale, at fair value	$	68,641		$	71,153		$	75,584		$	77,132		$	79,736		16	%		3	%
Fixed maturities, at fair value using the fair value option		—			—			—			—			564	NM			NM
Equity securities, trading, at fair value		33,463			32,321			32,053			30,183			32,495		(3	%)		8	%
Equity securities, available-for-sale, at fair value		1,397			1,221			1,153			1,103			1,168		(16	%)		6	%
Mortgage loans		6,328			5,938			5,162			4,673			4,684		(26	%)		—
Policy loans, at outstanding balance		2,209			2,174			2,177			2,182			2,180		(1	%)		—
Limited partnerships and other alternative investments		1,812			1,790			1,736			1,774			1,819		—			3	%
Other investments		1,679			602			941			2,293			1,427		(15	%)		(38	%)
Short-term investments		13,910			10,357			8,545			8,731			9,517		(32	%)		9	%
Total investments		129,439			125,556			127,351			128,071			133,590		3	%		4	%
Cash		2,417			2,142			2,079			2,998			1,707		(29	%)		(43	%)
Premiums receivable and agents’ balances		3,482			3,404			3,402			3,371			3,370		(3	%)		—
Reinsurance recoverables		5,604			5,384			5,179			5,485			5,242		(6	%)		(4	%)
Deferred policy acquisition costs and present value of future profits		11,040			10,686			10,270			9,689			9,386		(15	%)		(3	%)
Deferred income taxes		3,820			3,940			3,322			2,828			1,721		(55	%)		(39	%)
Goodwill		1,204			1,204			1,204			1,051			1,051		(13	%)		—
Property and equipment, net		1,032			1,026			1,032			1,150			1,143		11	%		(1	%)
Other assets		2,724			3,981			3,245			4,624			2,497		(8	%)		(46	%)
Separate account assets		155,958			150,394			160,198			154,883			154,219		(1	%)		—
Total assets	$	316,720		$	307,717		$	317,282		$	314,150		$	313,926		(1	%)		—
Future policy benefits, unpaid losses and loss adjustment expenses	$	39,851		$	39,631		$	39,550		$	40,008		$	39,890		—			—
Other policyholder funds and benefits payable		47,996			45,852			45,388			46,394			45,889		(4	%)		(1	%)
Other policyholder funds and benefits payable -
International variable annuities		33,439			32,296			32,027			30,161			32,470		(3	%)		8	%
Unearned premiums		5,324			5,221			5,293			5,291			5,296		(1	%)		—
Debt		5,835			5,839			6,872			6,600			6,603		13	%		—
Consumer notes		1,193			1,136			834			452			384		(68	%)		(15	%)
Other liabilities		9,643			9,454			9,280			11,470			8,266		(14	%)		(28	%)
Separate account liabilities		155,958			150,394			160,198			154,883			154,219		(1	%)		—
Total liabilities		299,239			289,823			299,442			295,259			293,017		(2	%)		(1	%)
Common equity, excluding AOCI		17,733			18,217			19,661			19,714			20,159		14	%		2	%
Preferred stock		2,940			2,960			556			556			556		(81	%)		—
AOCI, net of tax		(3,217	)		(3,312	)		(2,377	)		(1,379	)		194	NM			NM
Total stockholders’ equity		17,456			17,865			17,840			18,891			20,909		20	%		11	%
Noncontrolling Interest		25			29			—			—			—		(100	%)		—
Total equity		17,481			17,894			17,840			18,891			20,909		20	%		11	%
Total liabilities and equity	$	316,720		$	307,717		$	317,282		$	314,150		$	313,926		(1	%)		—

4

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CAPITAL STRUCTURE

																Year Over
	THREE MONTHS ENDED															Year			Sequential
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month
	2009			2009			2010			2010			2010			Change			Change
DEBT
Short-term debt (includes current maturities of long-term debt and capital lease obligations)	$	342		$	343		$	275		$	—		$	—			(100	%)		—
Senior notes		3,778			3,779			4,877			4,879			4,880			29	%		—
Junior subordinated debentures		1,715			1,717			1,720			1,721			1,723			—			—
Total debt [1]	$	5,835		$	5,839		$	6,872		$	6,600		$	6,603			13	%		—
STOCKHOLDERS’ EQUITY
Common stockholders’ equity, excluding AOCI, net of tax	$	17,733		$	18,217		$	19,661		$	19,714		$	20,159			14	%		2	%
Preferred stock		2,940			2,960			556			556			556			(81	%)		—
AOCI, net of tax		(3,217	)		(3,312	)		(2,377	)		(1,379	)		194		NM			NM
Total stockholders’ equity	$	17,456		$	17,865		$	17,840		$	18,891		$	20,909			20	%		11	%
CAPITALIZATION
Total capitalization, including AOCI, net of tax	$	23,291		$	23,704		$	24,712		$	25,491		$	27,512			18	%		8	%
Total capitalization, excluding AOCI, net of tax	$	26,508		$	27,016		$	27,089		$	26,870		$	27,318			3	%		2	%
DEBT TO CAPITALIZATION RATIOS [1]
Total debt to capitalization, including AOCI		25.1	%		24.6	%		27.8	%		25.9	%		24.0	%		(1.1	)		(1.9	)
Total debt to capitalization, excluding AOCI		22.0	%		21.6	%		25.4	%		24.6	%		24.2	%		2.2			(0.4	)
Total rating agency adjusted debt to capitalization [2] [3] [4]		31.9	%		31.9	%		26.0	%		29.7	%		27.6	%		(4.3	)		(2.1	)

[1]	The Hartford excludes consumer notes from total debt for capital structure analysis. Consumer notes were $1,193, $1,136, $834, $452 and $384 as of September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010, respectively.
[2]	Reflects a rating agency assignment in the leverage calculation of an estimate of the adjusted unfunded pension liability of the Company’s defined benefit plans and six times the Company’s rental expense on operating leases for total adjustments of $1.4 billion, $1.5 billion, $1.4 billion, $1.4 billion and $1.4 billion for the three months ended September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010, respectively.
[3]	Effective June 30, 2010, due to a rating agency methodology change, total adjusted debt to capitalization reflects 25% equity credit for the junior subordinated debentures and the discount value of the Allianz transaction. In addition, this methodology change now includes total AOCI. All periods prior to June 30, 2010 reflect 75% equity credit for the junior subordinated debentures and the discount value of the Allianz transaction and reflect only the deferred pension losses component of AOCI. At September 30, 2010, the impact on total adjusted debt to capitalization of the change in equity credit from 75% to 25% is 3.9 percentage points and the impact of the AOCI change is (1.0) percentage points. At June 30, 2010, the impact on total adjusted debt to capitalization of the change in equity credit from 75% to 25% is 4.2 percentage points and the impact of the AOCI change is 0.3 percentage points.
[4]	Reflects 25% equity credit for the preferred stock of the CPP transaction and 100% equity credit for the mandatory convertible preferred stock.

5

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
STATUTORY SURPLUS TO GAAP STOCKHOLDERS’ EQUITY RECONCILIATION

	September 30, 2010			December 31, 2009
Statutory Capital and Surplus
Total Life	$	7,557		$	7,324
Total Property & Casualty		7,690			7,364
Life and P&C Statutory Capital and Surplus	$	15,247		$	14,688
GAAP Adjustments
Investment in subsidiaries		2,515			1,010
Deferred policy acquisition costs		9,385			10,686
Deferred taxes		(946	)		900
Benefit reserves		(4,107	)		(4,111	)
Unrealized gains (losses) on investments, net of impairments		1,790			(3,272	)
Asset valuation reserve and interest maintenance reserve		429			149
Goodwill		600			571
Non-admitted assets		1,323			1,393
Other, net		(1,070	)		(875	)
Life and P&C GAAP Stockholders’ Equity	$	25,166		$	21,139
HFSG Corporate GAAP Stockholders’ Equity		(4,257	)		(3,245	)
Total GAAP Stockholders’ Equity	$	20,909		$	17,894

6

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

																Year Over
	THREE MONTHS ENDED															Year			Sequential
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month
	2009			2009			2010			2010			2010			Change			Change
Fixed maturities net unrealized gain (loss)	$	(2,823	)	$	(2,416	)	$	(1,601	)	$	(819	)	$	389		NM			NM
Equities net unrealized loss		(3	)		(73	)		(29	)		(92	)		(42	)	NM				54	%
Other-than-temporary impairment losses recognized in AOCI		(176	)		(224	)		(192	)		(171	)		(127	)		28	%		26	%
Net deferred gain on cash-flow hedging instruments		375			257			323			486			565			51	%		16	%
Total net unrealized gain (loss)		(2,627	)		(2,456	)		(1,499	)		(596	)		785		NM			NM
Foreign currency translation adjustments		279			199			163			240			404			45	%		68	%
Pension and other postretirement adjustment		(869	)		(1,055	)		(1,041	)		(1,023	)		(995	)		(14	%)		3	%
Total accumulated other comprehensive income (loss)	$	(3,217	)	$	(3,312	)	$	(2,377	)	$	(1,379	)	$	194		NM			NM

7

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMPUTATION OF BASIC AND DILUTED EARNINGS (LOSSES) PER COMMON SHARE

	THREE MONTHS ENDED															NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			SEPTEMBER 30,
	2009			2009			2010			2010			2010			2009			2010
Numerator:
Net income (loss)	$	(220	)	$	557		$	319		$	76		$	666		$	(1,444	)	$	1,061
Less: MCP preferred dividends		—			—			1			11			10			—			22
Less: CPP preferred dividends and accretion of discount		62			62			482			—			—			65			482
Net income (loss) available to common shareholders		(282	)		495			(164	)		65			656			(1,509	)		557
Add: Impact of assumed conversion of preferred shares to common [4]		—			—			—			—			10			—			—
Net income (loss) available to common shareholders and assumed conversion of preferred shares		(282	)		495			(164	)		65			666			(1,509	)		557
Net income (loss) available to common shareholders		(282	)		495			(164	)		65			656			(1,509	)		557
Less: Net realized capital losses, net of tax and DAC, excluded from core earnings [1]		(880	)		(132	)		(226	)		(16	)		(44	)		(1,551	)		(286	)
Core earnings available to common shareholders	$	598		$	627		$	62		$	81		$	700		$	42		$	843
Add: Impact of assumed conversion of preferred shares to common [4]		—			—			—			—			10			—			22
Core earnings available to common shareholders and assumed conversion of preferred shares		598			627			62			81			710			42			865
Denominator:
Weighted average common shares outstanding (basic)		356.1			382.7			393.7			443.9			444.1			334.1			427.2
Dilutive effect of stock compensation		1.1			1.3			1.2			1.1			1.4			0.8			1.3
Dilutive effect of CPP Warrants [2]		25.3			32.0			32.3			32.6			29.0			8.7			31.3
Dilutive effect of Allianz warrants [3]		—			0.2			1.3			2.6			—			—			1.3
Weighted average common shares outstanding and dilutive potential common shares (diluted), before assumed conversion of preferred shares		382.5			416.2			428.5			480.2			474.5			343.6			461.1
Dilutive effect of assumed conversion of MCP [4]		—			—			—			—			20.8			—			14.9
Weighted average common shares outstanding and dilutive potential common shares (diluted) and assumed conversion of preferred shares		382.5			416.2			428.5			480.2			495.3			343.6			476.0
Basic earnings (losses) per common share
Net income (loss) available to common shareholders	$	(0.79	)	$	1.29		$	(0.42	)	$	0.15		$	1.48		$	(4.52	)	$	1.30
Less: Net realized capital losses, net of tax and DAC, excluded from core earnings, and MCP preferred dividends		(2.47	)		(0.35	)		(0.58	)		(0.03	)		(0.10	)		(4.65	)		(0.67	)
Core earnings available to common shareholders		1.68			1.64			0.16			0.18			1.58			0.13			1.97
Diluted earnings (losses) per common share [5]
Net income (loss) available to common shareholders	$	(0.79	)	$	1.19		$	(0.42	)	$	0.14		$	1.38		$	(4.52	)	$	1.21
Add: Impact of assumed conversion of preferred shares to common [4]		—			—			—			—			(0.04	)		—			—
Net income (loss) available to common shareholders and assumed conversion of preferred shares		(0.79	)		1.19			(0.42	)		0.14			1.34			(4.52	)		1.21
Net income (loss) available to common shareholders	$	(0.79	)	$	1.19		$	(0.42	)	$	0.14		$	1.38		$	(4.52	)	$	1.21
Add: Difference arising from shares used for the denominator between net loss and core earnings		—			—			0.03			—			—			0.12			—
Less: Net realized capital losses, net of tax and DAC, excluded from core earnings		(2.35	)		(0.32	)		(0.53	)		(0.03	)		(0.10	)		(4.52	)		(0.62	)
Core earnings available to common shareholders		1.56			1.51			0.14			0.17			1.48			0.12			1.83
Add: Impact of assumed conversion of preferred shares to common [4]		—			—			—			—			(0.05	)		—			(0.01	)
Core earnings available to common shareholders and assumed conversion of preferred shares		1.56			1.51			0.14			0.17			1.43			0.12			1.82

[1]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax and DAC, for the periods presented herein.
[2]	The Hartford issued 52.1 million warrants to purchase The Hartford Common Stock to the U.S. Department of the Treasury on June 26, 2009 at a strike price of $9.79.
[3]	The Hartford issued 69.4 million warrants to purchase The Hartford Common Stock to Allianz on October 17, 2008 at a strike price of $25.23.
[4]	The Hartford issued $575 of mandatory convertible preferred stock which, at March 31, 2010 and June 30, 2010, would have been convertible into 3.4 million and 20.8 million weighted average shares of common stock, respectively. However, the impact of applying the “if-converted” method to these shares was anti-dilutive and, therefore, the shares were not included in core earnings available to common shareholders and assumed conversion of preferred shares.
[5]	As a result of anti-dilutive impact, in periods of a loss, weighted average common shares outstanding (basic) are used in the calculation of diluted earnings per share.

8

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
ANALYSIS OF NET REALIZED CAPITAL GAINS (LOSSES) AFTER-TAX AND DAC

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Net Realized Capital Gains (Losses), After-Tax and DAC
Gains/losses on sales, net	$	59		$	68		$	(30	)	$	150		$	88			49	%		(41%	)	$	(295	)	$	209		NM
Net impairment losses		(336	)		(276	)		(113	)		(62	)		(104	)		69	%		(68%	)		(684	)		(282	)		59	%
Japanese fixed annuity contract hedges, net [1]		(5	)		12			(10	)		17			7		NM				(59%	)		18			14			(22	%)
Results of variable annuity hedge program
GMWB derivatives, net		(132	)		297			84			(235	)		132		NM			NM				425			(19	)	NM
Macro hedge program		(303	)		(142	)		(75	)		193			(187	)		38	%		NM			(531	)		(69	)		87	%
Total results of variable annuity hedge program		(435	)		155			9			(42	)		(55	)		87	%		(31%	)		(106	)		(88	)		17	%
Other net gain (loss) [2]		(168	)		(99	)		(83	)		(78	)		20		NM			NM				(513	)		(139	)		73	%
Total net realized capital gains (losses), after-tax and DAC	$	(885	)	$	(140	)	$	(227	)	$	(15	)	$	(44	)		95	%		(193%	)	$	(1,580	)	$	(286	)		82	%
Reconciliation of Net Realized Capital Gains (Losses), net of tax and DAC, excluded from Core Earnings (Losses) to Total Net Realized Capital Gains (Losses) — After-Tax and DAC
Total net realized capital losses	$	(885	)	$	(140	)	$	(227	)	$	(15	)	$	(44	)		95	%		(193%	)	$	(1,580	)	$	(286	)		82	%
Less: total net realized capital gains (losses) included in core earnings (losses)		(5	)		(8	)		(1	)		1			—			100	%		(100%	)		(29	)		—			100	%
Total net realized capital losses, after tax and DAC, excluded from core earnings (losses)	$	(880	)	$	(132	)	$	(226	)	$	(16	)	$	(44	)		95	%		(175%	)	$	(1,551	)	$	(286	)		82	%

[1]

Represents realized gains and losses related to currency remeasurement on yen denominated fixed annuity liabilities and changes in fair value of the associated foreign currency swaps. While economically hedged, volatility exists due to a difference in the basis of accounting between the yen liabilities (historical cost) and the currency swaps (fair value). The primary difference relates to changes in Japan interest rates which are included in the fair value of the currency swaps but not the yen liabilities. If the economic impact of the change in Japan interest rates was permitted to be reflected in the value of the yen denominated fixed annuity liabilities, an estimated realized gain (loss) of $(2) $(8), $3, $(8) and $(12) would have been recognized as an adjustment to this amount in the three months ended September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010, respectively, and an estimated realized loss of $(2) and $(19) would have been recognized as an adjustment to this amount in the nine months ended September 30, 2009 and 2010, respectively.

[2]

Other net gain (loss) includes approximately $300 in losses related to a contingent obligation associated with the Allianz transaction, recorded in Corporate for the nine months ended September 30, 2009. Other net gain (loss) also includes losses on Japan 3 Win related foreign currency swaps, changes in fair value on non-qualifying derivatives and fixed maturities, at fair value using the fair value option, and other investment gains and losses.

9

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMPUTATION OF RETURN-ON-EQUITY MEASURES

	THREE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,
	2009			2009			2010			2010			2010
Numerator [1]:
Net income (loss) available to common shareholders — last 12 months	$	(2,323	)	$	(1,014	)	$	32		$	126		$	1,074
Core earnings (losses) available to common shareholders — last 12 months	$	(174	)	$	669		$	1,907		$	1,380		$	1,492
Denominator [2]:
Average common stockholders’ equity, including AOCI		13,536.5			12,086.5			12,850.0			14,706.0			17,712.5
Less: Average AOCI		(3,686.0	)		(5,416.0	)		(5,089.0	)		(3,994.5	)		(1,511.5	)
Average common stockholders’ equity, excluding AOCI		17,222.5			17,502.5			17,939.0			18,700.5			19,224.0
ROE (net income (loss) last 12 months to common stockholders’ equity, including AOCI) [3]		(17.2	%)		(8.4	%)		0.2	%		0.9	%		6.1	%
ROE (core earnings (losses) last 12 months to common stockholders’ equity, excluding AOCI) [3]		(1.0	%)		3.8	%		10.6	%		7.4	%		7.8	%

[1]	For a reconciliation of net income (loss) to core earnings (losses), see page 8.
[2]	Average equity is calculated by taking the sum of common stockholders’ equity at the beginning of the twelve month period and common stockholders’ equity at the end of the twelve month period and dividing by 2.
[3]	When calculating return-on-equity, the MCP preferred stock is included in average common stockholders’ equity and MCP preferred dividends are excluded from net loss available to common shareholders and core earnings (losses) available to common shareholders.

10

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMPONENTS OF NET REALIZED CAPITAL GAINS (LOSSES), AFTER-TAX AND DAC, EXCLUDED FROM CORE EARNINGS (LOSSES) [1]

	Property &						Total			Total
	Casualty			Group			Commercial			Consumer									Retirement			Mutual			Total Wealth			Corporate
	Commercial			Benefits			Markets			Markets			Global Annuity			Life Insurance			Plans			Funds			Management			and Other			Consolidated
Three months ended September 30, 2009
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	(63	)	$	(31	)	$	(94	)	$	(14	)	$	(925	)	$	(34	)	$	(88	)	$	—		$	(1,047	)	$	(60	)	$	(1,215	)
Less: Impacts of DAC		—			—			—			—			159			2			(12	)		—			149			(4	)		145
Less: Impacts of tax		(22	)		(11	)		(33	)		(5	)		(383	)		(10	)		(27	)		—			(420	)		(22	)		(480	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(41	)	$	(20	)	$	(61	)	$	(9	)	$	(701	)	$	(26	)	$	(49	)	$	—		$	(776	)	$	(34	)	$	(880	)
Three months ended December 31, 2009
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	148		$	(53	)	$	95		$	35		$	(134	)	$	(30	)	$	(103	)	$	—		$	(267	)	$	(47	)	$	(184	)
Less: Impacts of DAC		—			—			—			—			15			(4	)		(13	)		—			(2	)		(1	)		(3	)
Less: Impacts of tax		51			(19	)		32			12			(36	)		(10	)		(31	)		—			(77	)		(16	)		(49	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	97		$	(34	)	$	63		$	23		$	(113	)	$	(16	)	$	(59	)	$	—		$	(188	)	$	(30	)	$	(132	)
Three months ended March 31, 2010
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	(29	)	$	10		$	(19	)	$	(5	)	$	(198	)	$	(27	)	$	(14	)	$	1		$	(238	)	$	(10	)	$	(272	)
Less: Impacts of DAC		—			—			—			—			(61	)		—			(3	)		—			(64	)		1			(63	)
Less: Impacts of tax		7			9			16			2			(8	)		(3	)		6			1			(4	)		3			17
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(36	)	$	1		$	(35	)	$	(7	)	$	(129	)	$	(24	)	$	(17	)	$	—		$	(170	)	$	(14	)	$	(226	)
Three months ended June 30, 2010
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	17		$	23		$	40		$	3		$	(110	)	$	59		$	7		$	—		$	(44	)	$	16		$	15
Less: Impacts of DAC		—			—			—			—			53			(7	)		—			—			46			1			47
Less: Impacts of tax		5			9			14			1			(58	)		23			3			(1	)		(33	)		2			(16	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	12		$	14		$	26		$	2		$	(105	)	$	43		$	4		$	1		$	(57	)	$	13		$	(16	)
Three months ended September 30, 2010
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	9		$	—		$	9		$	1		$	(328	)	$	12		$	2		$	(1	)	$	(315	)	$	42		$	(263	)
Less: Impacts of DAC		—			—			—			—			(202	)		(8	)		10			—			(200	)		2			(198	)
Less: Impacts of tax		3			(2	)		1			—			(42	)		8			(3	)		—			(37	)		15			(21	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	6		$	2		$	8		$	1		$	(84	)	$	12		$	(5	)	$	(1	)	$	(78	)	$	25		$	(44	)

[1] The above tables show the components of net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses). The impacts of DAC are calculated consistent with the Company’s accounting policy on amortization of DAC.

The impacts of tax are calculated at an effective tax rate of 35% as applicable. Impacts of tax also includes any increase in the deferred tax asset valuation allowance.

11

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMPONENTS OF NET REALIZED CAPITAL GAINS (LOSSES), AFTER-TAX AND DAC, EXCLUDED FROM CORE EARNINGS (LOSSES) [1]

	Property &						Total			Total
	Casualty			Group			Commercial			Consumer									Retirement			Mutual		Total Wealth			Corporate
	Commercial			Benefits			Markets			Markets			Global Annuity			Life Insurance			Plans			Funds		Management			and Other			Consolidated
Nine months ended September 30, 2009
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	(351	)	$	(68	)	$	(419	)	$	(85	)	$	(545	)	$	(118	)	$	(223	)	$	—	$	(886	)	$	(378	)	$	(1,768	)
Less: Impacts of DAC		—			—			—			—			570			(9	)		(24	)		—		537			(13	)		524
Less: Impacts of tax		(117	)		(24	)		(141	)		(28	)		(399	)		(36	)		(70	)		—		(505	)		(67	)		(741	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(234	)	$	(44	)	$	(278	)	$	(57	)	$	(716	)	$	(73	)	$	(129	)	$	—	$	(918	)	$	(298	)	$	(1,551	)
Nine months ended September 30, 2010
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	(3	)	$	33		$	30		$	(1	)	$	(636	)	$	43		$	(5	)	$	—	$	(598	)	$	48		$	(521	)
Less: Impacts of DAC		—			—			—			—			(210	)		(15	)		7			—		(218	)		4			(214	)
Less: Impacts of tax		15			16			31			3			(108	)		27			6			—		(75	)		20			(21	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(18	)	$	17		$	(1	)	$	(4	)	$	(318	)	$	31		$	(18	)	$	—	$	(305	)	$	24		$	(286	)

[1] The above tables show the components of net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses). The impacts of DAC are calculated consistent with the Company’s accounting policy on amortization of DAC.

The impacts of tax are calculated at an effective tax rate of 35%, as applicable. Impacts of tax also includes any increase in the deferred tax asset valuation allowance.

12

COMMERCIAL MARKETS

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMMERCIAL MARKETS
INCOME STATEMENTS

													Year Over
	THREE MONTHS ENDED												Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,		Mar. 31,			Jun. 30,		Sept. 30,		3 Month			3 Month			SEPTEMBER 30,
	2009			2009		2010			2010		2010		Change			Change			2009			2010			Change
Earned premiums	$	2,501		$	2,498	$	2,513		$	2,477	$	2,482		(1	%)		—		$	7,714		$	7,472			(3	%)
Fee income		10			11		13			12		15		50	%		25	%		30			40			33	%
Net investment income		311			318		330			356		334		7	%		(6	%)		844			1,020			21	%
Other revenues		85			88		75			80		82		(4	%)		3	%		246			237			(4	%)
Net realized capital gains (losses)		(98	)		92		(22	)		38		5	NM				(87	%)		(429	)		21		NM
Total revenues		2,809			3,007		2,909			2,963		2,918		4	%		(2	%)		8,405			8,790			5	%
Losses and loss adjustment expenses		1,547			1,478		1,690			1,645		1,599		3	%		(3	%)		4,984			4,934			(1	%)
Amortization of deferred policy acquisition costs		361			358		356			355		353		(2	%)		(1	%)		1,096			1,064			(3	%)
Insurance operating costs and other expenses		513			498		479			520		475		(7	%)		(9	%)		1,488			1,474			(1	%)
Total benefits and expenses		2,421			2,334		2,525			2,520		2,427		—			(4	%)		7,568			7,472			(1	%)
Income before income taxes		388			673		384			443		491		27	%		11	%		837			1,318			57	%
Income tax expense		106			213		127			125		139		31	%		11	%		205			391			91	%
Net income		282			460		257			318		352		25	%		11	%		632			927			47	%
Less: Net realized capital (losses) gains, after-tax, excluded from core earnings [1]		(61	)		63		(35	)		26		8	NM				(69	%)		(278	)		(1	)		100	%
Core earnings	$	343		$	397	$	292		$	292	$	344		—			18	%	$	910		$	928			2	%

[1] See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax, for the periods presented herein.

13

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMMERCIAL MARKETS
PROPERTY & CASUALTY COMMERCIAL
OPERATING RESULTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
UNDERWRITING RESULTS
Written premiums	$	1,387		$	1,399		$	1,512		$	1,388		$	1,447			4	%		4	%	$	4,316		$	4,347			1	%
Change in unearned premium reserve		(55	)		(41	)		88			(27	)		8		NM			NM				(147	)		69		NM
Earned premiums		1,442			1,440			1,424			1,415			1,439			—			2	%		4,463			4,278			(4	%)
Losses and loss adjustment expenses
Current accident year before catastrophes		888			856			891			855			888			—			4	%		2,726			2,634			(3	%)
Current accident year catastrophes		25			(2	)		38			83			13			(48	%)		(84	%)		80			134			68	%
Prior accident years [1]		(108	)		(148	)		(82	)		(139	)		(118	)		(9	%)		15	%		(246	)		(339	)		(38	%)
Total losses and loss adjustment expenses		805			706			847			799			783			(3	%)		(2	%)		2,560			2,429			(5	%)
Underwriting expenses [2]		449			441			436			466			434			(3	%)		(7	%)		1,351			1,336			(1	%)
Dividends to policyholders [3]		5			(5	)		(8	)		4			4			(20	%)		—			15			—			(100	%)
Underwriting results		183			298			149			146			218			19	%		49	%		537			513			(4	%)
Net investment income		206			213			223			246			227			10	%		(8	%)		546			696			27	%
Periodic net coupon settlements on credit derivatives, before-tax		(3	)		(2	)		(2	)		(2	)		(3	)		—			(50	%)		(8	)		(7	)		13	%
Other expenses [4]		(24	)		(42	)		(33	)		(29	)		(18	)		25	%		38	%		(81	)		(80	)		1	%
Income tax expense		(104	)		(149	)		(95	)		(103	)		(124	)		(19	%)		(20	%)		(276	)		(322	)		(17	%)
Core earnings		258			318			242			258			300			16	%		16	%		718			800			11	%
Add: Net realized capital gains (losses), after-tax [5]		(41	)		97			(36	)		12			6		NM				(50	%)		(234	)		(18	)		92	%
Net income	$	217		$	415		$	206		$	270		$	306			41	%		13	%	$	484		$	782			62	%

[1]	The three months ended September 30, 2009 included $45 of reserve releases related to workers’ compensation claims, $24 of reserve releases related to professional liability claims and $14 of reserve releases related to general liability claims. The three months ended December 31, 2009 included $39 of reserve releases related to professional liability claims, $53 of reserve releases related to professional liability claims and $27 of reserve releases related to general liability claims. The three months ended March 31, 2010 included $22 of reserve releases related to professional liability claims and $10 of reserve releases related to general liability umbrella claims. The three months ended June 30, 2010 included $21 of general liability loss adjustment expense reserve strengthening, partially offset by $61 of reserve releases related to professional liability claims, $12 of reserve releases related to auto liability claims, a $25 reduction in the allowance for uncollectible reinsurance, $27 of reserve releases related to general liability umbrella and high hazard claims and $17 of reserve releases related to programs business. The three months ended September 30, 2010 included $32 of reserve releases related to workers’ compensation claims, $27 of reserve releases related to general liability claims, $25 of reserve releases related to auto liability claims, $18 of reserve releases for package business and $10 of reserve releases related to general liability umbrella and high hazard claims.
[2]	The nine months ended September 30, 2009 included a $7 reduction to an assessment from the Texas Windstorm Insurance Association (“TWIA”). The nine months ended September 30, 2009 included a $6 increase in the assessment for second injury fund and reserve strengthening of $9 for other state funds and taxes. The three months ended June 30, 2010 included taxes, licenses and fees reserve strengthening of $20 due to an increase in the assessment for New York state funds and taxes.
[3]	The three months ended December 31, 2009 included a decrease in prior year dividends of $10. The three months ended March 31, 2010 included a decrease in prior year dividends of $12.
[4]	The three months ended December 31, 2009 included a $2 increase in litigation reserves and a $9 increase in estimated non-income tax liabilities.
[5]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax, for the periods presented herein.

14

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMMERCIAL MARKETS
PROPERTY & CASUALTY COMMERCIAL
UNDERWRITING RESULTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
UNDERWRITING RESULTS
Written premiums	$	1,387		$	1,399		$	1,512		$	1,388		$	1,447			4	%		4	%	$	4,316		$	4,347			1	%
Change in unearned premium reserve		(55	)		(41	)		88			(27	)		8		NM			NM				(147	)		69		NM
Earned premiums		1,442			1,440			1,424			1,415			1,439			—			2	%		4,463			4,278			(4	%)
Losses and loss adjustment expenses
Current accident year before catastrophes		888			856			891			855			888			—			4	%		2,726			2,634			(3	%)
Current accident year catastrophes		25			(2	)		38			83			13			(48	%)		(84	%)		80			134			68	%
Prior accident years [1]		(108	)		(148	)		(82	)		(139	)		(118	)		(9	%)		15	%		(246	)		(339	)		(38	%)
Total losses and loss adjustment expenses		805			706			847			799			783			(3	%)		(2	%)		2,560			2,429			(5	%)
Underwriting expenses [2]		449			441			436			466			434			(3	%)		(7	%)		1,351			1,336			(1	%)
Dividends to policyholders [3]		5			(5	)		(8	)		4			4			(20	%)		—			15			—			(100	%)
Underwriting results	$	183		$	298		$	149		$	146		$	218			19	%		49	%	$	537		$	513			(4	%)
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes		61.6			59.6			62.6			60.3			61.8			(0.2	)		(1.5	)		61.1			61.6			(0.5	)
Current accident year catastrophes		1.8			(0.2	)		2.7			5.9			0.9			0.9			5.0			1.8			3.1			(1.3	)
Prior accident years [1] [4]		(7.5	)		(10.3	)		(5.8	)		(9.9	)		(8.2	)		0.7			(1.7	)		(5.5	)		(7.9	)		2.4
Total losses and loss adjustment expenses		55.9			49.1			59.5			56.4			54.5			1.4			1.9			57.3			56.8			0.5
Expenses		31.1			30.6			30.6			33.0			30.1			1.0			2.9			30.3			31.2			(0.9	)
Policyholder dividends		0.3			(0.4	)		(0.6	)		0.3			0.3			—			—			0.3			—			0.3
Combined ratio		87.3			79.4			89.6			89.6			84.9			2.4			4.7			88.0			88.0			—
Catastrophes
Current year		1.8			(0.2	)		2.7			5.9			0.9			0.9			5.0			1.8			3.1			(1.3	)
Prior year		0.1			(0.4	)		(0.3	)		0.3			—			0.1			0.3			(0.4	)		—			(0.4	)
Catastrophe ratio		1.9			(0.6	)		2.4			6.2			0.9			1.0			5.3			1.4			3.1			(1.7	)
Combined ratio before catastrophes		85.5			80.0			87.2			83.5			84.0			1.5			(0.5	)		86.5			84.9			1.6
Combined ratio before catastrophes and prior year development		93.1			89.8			92.7			93.6			92.2			0.9			1.4			91.7			92.8			(1.1	)
STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)
Standard Commercial Lines Renewal Written Price Increases/(Decreases) [5]		(1	%)		—			1	%		1	%		1	%		2	%		—			(1	%)		1	%		2	%
Standard Commercial Lines Policy Count Retention [5]		80	%		83	%		85	%		83	%		83	%		3	%		—			80	%		84	%		4	%
New Business Premium $	$	269		$	278		$	297		$	276		$	279			4	%		1	%	$	823		$	852			4	%
Standard Commercial Lines Policies in Force [5]		1,151,999			1,159,759			1,174,369			1,191,477			1,201,862			4	%		1	%

[1]	The three months ended September 30, 2009 included $45 of reserve releases related to workers’ compensation claims, $24 of reserve releases related to professional liability claims and $14 of reserve releases related to general liability claims. The three months ended December 31, 2009 included $39 of reserve releases related to professional liability claims, $53 of reserve releases related to professional liability claims and $27 of reserve releases related to general liability claims. The three months ended March 31, 2010 included $22 of reserve releases related to professional liability claims and $10 of reserve releases related to general liability umbrella claims. The three months ended June 30, 2010 included $21 of general liability loss adjustment expense reserve strengthening, partially offset by $61 of reserve releases related to professional liability claims, $12 of reserve releases related to auto liability claims, a $25 reduction in the allowance for uncollectible reinsurance, $27 of reserve re claims, $27 of reserve releases related to general liability claims, $25 of reserve releases related to auto liability claims, $18 of reserve releases for package business and $10 of reserve releases related to general liability umbrella and high hazard claims.
[2]	The nine months ended September 30, 2009 included a $7 reduction to an assessment from the Texas Windstorm Insurance Association (“TWIA”). The nine months ended September 30, 2009 included a $6 increase in the assessment for second injury fund and reserve strengthening of $9 for other state funds and taxes. The three months ended June 30, 2010 included taxes, licenses and fees reserve strengthening of $20 due to an increase in the assessment for New York state funds and taxes.
[3]	The three months ended December 31, 2009 included a decrease in prior year dividends of $10. The three months ended March 31, 2010 included a decrease in prior year dividends of $12.
[4]	Included in the prior year losses and loss adjustment expenses ratio is prior accident year development on catastrophe losses.
[5]	Standard commercial lines consist of The Hartford’s small commercial and middle market lines of business.

15

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMMERCIAL MARKETS
GROUP BENEFITS
INCOME STATEMENTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec 31,			March 31,			June 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
ASO fees	$	10		$	10		$	10		$	9		$	10			—			11	%	$	30		$	29			(3	%)
Other fees		—			1			3			3			5			—			67	%		—			11			—
Total fee income		10			11			13			12			15			50	%		25	%		30			40			33	%
Direct premiums		1,046			1,047			1,079			1,060			1,036			(1	%)		(2	%)		3,202			3,175			(1	%)
Reinsurance premiums		13			11			10			2			7			(46	%)	NM				49			19			(61	%)
Net premiums		1,059			1,058			1,089			1,062			1,043			(2	%)		(2	%)		3,251			3,194			(2	%)
Total premiums and other considerations		1,069			1,069			1,102			1,074			1,058			(1	%)		(1	%)		3,281			3,234			(1	%)
Net investment income
Net investment income on G/A assets		95			96			99			101			96			1	%		(5	%)		269			296			10	%
Net investment income on assigned capital		10			9			8			9			11			10	%		22	%		29			28			(3	%)
Total net investment income		105			105			107			110			107			2	%		(3	%)		298			324			9	%
Net realized capital losses — core		(1	)		(1	)		(1	)		—			(1	)		—			—			(2	)		(2	)		—
Total core revenues		1,173			1,173			1,208			1,184			1,164			(1	%)		(2	%)		3,577			3,556			(1	%)
Net realized gains (losses), before tax and DAC, excluded from core revenues		(31	)		(53	)		10			23			—			100	%		(100	%)		(68	)		33		NM
Total revenues		1,142			1,120			1,218			1,207			1,164			2	%		(4	%)		3,509			3,589			2	%
Benefits and Expenses
Benefits and losses
Death benefits		310			314			335			300			296			(5	%)		(1	%)		971			931			(4	%)
Other contract benefits		456			461			460			445			479			5	%		8	%		1,369			1,384			1	%
Change in reserve		(24	)		(3	)		48			101			41		NM				(59	%)		84			190			126	%
Total benefits and losses		742			772			843			846			816			10	%		(4	%)		2,424			2,505			3	%
Other insurance expenses
Commissions & wholesaling expenses		159			138			144			138			139			(13	%)		1	%		427			421			(1	%)
Operating expenses		131			132			133			129			127			(3	%)		(2	%)		409			389			(5	%)
Premium taxes and other expenses		19			17			22			24			22			16	%		(8	%)		55			68			24	%
Subtotal — expenses before deferral		309			287			299			291			288			(7	%)		(1	%)		891			878			(1	%)
Deferred policy acquisition costs		(14	)		(13	)		(16	)		(10	)		(13	)		7	%		(30	%)		(45	)		(39	)		13	%
Total other insurance expense		295			274			283			281			275			(7	%)		(2	%)		846			839			(1	%)
Amortization of deferred policy acquisition costs		16			16			16			15			15			(6	%)		—			45			46			2	%
Total benefits and expenses		1,053			1,062			1,142			1,142			1,106			5	%		(3	%)		3,315			3,390			2	%
Core earnings before income taxes		120			111			66			42			58			(52	%)		38	%		262			166			(37	%)
Income tax expense		35			32			16			8			14			(60	%)		75	%		70			38			(46	%)
Core Earnings		85			79			50			34			44			(48	%)		29	%		192			128			(33	%)
Net realized gains, net of tax and DAC, excluded from core earnings [1]		(20	)		(34	)		1			14			2		NM				(86	%)		(44	)		17		NM
Net income	$	65		$	45		$	51		$	48		$	46			(29	%)		(4	%)	$	148		$	145			(2	%)
After-Tax Profit as % of Revenues
Core earnings		7.2	%		6.7	%		4.3	%		2.9	%		3.8	%		(3.4	)		0.9			5.4	%		3.7	%		(1.7	)
Net income		5.7	%		4.0	%		4.3	%		4.0	%		4.0	%		(1.7	)		—			4.2	%		4.1	%		(0.1	)

[1] See pages 11 and 12 for disclosure of the components of net realized gains (losses), net of tax and DAC, for the periods presented herein.

16

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMMERCIAL MARKETS
GROUP BENEFITS
SUPPLEMENTAL DATA

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec 31,			March 31,			June 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
PREMIUMS
Fully Insured — Ongoing Premiums
Group disability	$	469		$	471		$	481		$	469		$	472			1	%		1	%	$	1,463		$	1,422			(3	%)
Group life		528			526			512			514			513			(3	%)		—			1,600			1,539			(4	%)
Other		62			61			59			58			58			(6	%)		—			188			175			(7	%)
Total fully insured — ongoing premiums	$	1,059		$	1,058		$	1,052		$	1,041		$	1,043			(2	%)		—		$	3,251		$	3,136			(4	%)
Total buyouts [1]		—			—			37			21			—			—			(100	%)		—			58			—
Total premiums		1,059			1,058			1,089			1,062			1,043			(2	%)		(2	%)		3,251			3,194			(2	%)
Group disability — premium equivalents [2]		102			100			96			98			101			(1	%)		3	%		298			295			(1	%)
Total premiums and premium equivalent	$	1,161		$	1,158		$	1,185		$	1,160		$	1,144			(1	%)		(1	%)	$	3,549		$	3,489			(2	%)
SALES (GROSS ANNUALIZED NEW PREMIUMS)
Fully Insured — Ongoing Sales
Group disability	$	56		$	50		$	120		$	43		$	37			(34	%)		(14	%)	$	297		$	200			(33	%)
Group life		62			76			172			55			58			(6	%)		5	%		298			285			(4	%)
Other		4			4			4			3			5			25	%		67	%		16			12			(25	%)
Total fully insured — ongoing sales		122			130			296			101			100			(18	%)		(1	%)		611			497			(19	%)
Total buyouts [1]		1			—			37			21			—			(100	%)		(100	%)		1			58		NM
Total sales		123			130			333			122			100			(19	%)		(18	%)		612			555			(9	%)
Group disability premium equivalents [2]		7			13			54			12			18			157	%		50	%		94			84			(11	%)
Total sales and premium equivalents	$	130		$	143		$	387		$	134		$	118			(9	%)		(12	%)	$	706		$	639			(9	%)
RATIOS [3]
Loss Ratio		69.4	%		72.2	%		75.7	%		78.3	%		77.1	%		7.7			(1.2	)		73.9	%		77.0	%		3.1
Expense Ratio		29.1	%		27.1	%		28.1	%		28.1	%		27.4	%		(1.7	)		(0.7	)		27.2	%		27.9	%		0.7
GAAP RESERVES [4]
Group disability	$	4,818		$	4,821		$	4,897		$	4,996		$	5,069			5	%		1	%
Group life		1,314			1,305			1,277			1,269			1,244			(5	%)		(2	%)
Other		86			88			85			83			82			(5	%)		(1	%)
Total GAAP reserves	$	6,218		$	6,214		$	6,259		$	6,348		$	6,395			3	%		1	%

[1]	Takeover of open claim liabilities and other non-recurring premium amounts.
[2]	Administrative services only (ASO) fees and claims under claim management agreements.
[3]	Ratios calculated excluding the effects of buyout premiums.
[4]	Reserve balances for the three months ended September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010 are net of reinsurance recoverables of $209, $213, $216, $199 and $200, respectively.

17

CONSUMER MARKETS

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSUMER MARKETS
INCOME STATEMENTS

														Year Over
	THREE MONTHS ENDED													Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,		Mar. 31,			Jun. 30,			Sept. 30,		3 Month			3 Month			SEPTEMBER 30,
	2009			2009		2010			2010			2010		Change			Change			2009			2010			Change
Earned premiums	$	989		$	1,002	$	996		$	995		$	985		—			(1	%)	$	2,957		$	2,976			1	%
Net investment income		48			50		44			49			46		(4	%)		(6	%)		128			139			9	%
Other revenues		38			44		43			40			40		5	%		—			110			123			12	%
Net realized capital gains (losses)		(15	)		35		(5	)		2			1	NM				(50	%)		(87	)		(2	)		98	%
Total revenues		1,060			1,131		1,078			1,086			1,072		1	%		(1	%)		3,108			3,236			4	%
Losses and loss adjustment expenses		759			701		701			822			689		(9	%)		(16	%)		2,201			2,212			—
Amortization of deferred policy acquisition costs		171			169		168			168			167		(2	%)		(1	%)		505			503			—
Insurance operating costs and other expenses		116			133		124			123			118		2	%		(4	%)		342			365			7	%
Total benefits and expenses		1,046			1,003		993			1,113			974		(7	%)		(12	%)		3,048			3,080			1	%
Income (loss) before income taxes		14			128		85			(27	)		98	NM			NM				60			156			160	%
Income tax expense (benefit)		(1	)		43		29			(14	)		28	NM			NM				5			43		NM
Net income (loss)		15			85		56			(13	)		70	NM			NM				55			113			105	%
Less: Net realized capital gains (losses), after-tax, excluded from core earnings (losses)[1]		(9	)		23		(7	)		2			1	NM				(50	%)		(57	)		(4	)		93	%
Core earnings (losses)	$	24		$	62	$	63		$	(15	)	$	69		188	%	NM			$	112		$	117			4	%

[1] See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax, for the periods presented herein.

18

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSUMER MARKETS
OPERATING RESULTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
UNDERWRITING RESULTS
Written premiums	$	1,049		$	953		$	943		$	1,033		$	1,014			(3	%)		(2	%)	$	3,042		$	2,990			(2	%)
Change in unearned premium reserve		60			(49	)		(53	)		38			29			(52	%)		(24	%)		85			14			(84	%)
Earned premiums		989			1,002			996			995			985			—			(1	%)		2,957			2,976			1	%
Losses and loss adjustment expenses
Current accident year before catastrophes		694			733			667			686			681			(2	%)		(1	%)		1,974			2,034			3	%
Current accident year catastrophes		90			(14	)		41			146			42			(53	%)		(71	%)		242			229			(5	%)
Prior accident years [1]		(25	)		(18	)		(7	)		(10	)		(34	)		(36	%)	NM				(15	)		(51	)	NM
Total losses and loss adjustment expenses		759			701			701			822			689			(9	%)		(16	%)		2,201			2,212			—
Underwriting expenses [2]		240			237			241			241			238			(1	%)		(1	%)		710			720			1	%
Underwriting results		(10	)		64			54			(68	)		58		NM			NM				46			44			(4	%)
Net investment income		48			50			44			49			46			(4	%)		(6	%)		128			139			9	%
Periodic net coupon settlements on credit derivatives, before-tax		(1	)		—			—			(1	)		—			100	%		100	%		(2	)		(1	)		50	%
Other expenses [3]		(9	)		(21	)		(8	)		(10	)		(7	)		22	%		30	%		(27	)		(25	)		7	%
Income tax benefit (expense)		(4	)		(31	)		(27	)		15			(28	)	NM			NM				(33	)		(40	)		(21	%)
Core earnings (losses)		24			62			63			(15	)		69			188	%	NM				112			117			4	%
Add: Net realized capital gains (losses), after-tax [4]		(9	)		23			(7	)		2			1		NM				(50	%)		(57	)		(4	)		93	%
Net income (loss)	$	15		$	85		$	56		$	(13	)	$	70		NM			NM			$	55		$	113			105	%

[1]	The three months ended September 30, 2009, December 31, 2009 and March 31, 2010 included reserve releases related to auto liability claims of $20, $24 and $17, respectively. The three months ended June 30, 2010 included reserve releases of $24 related to auto liability claims and a $5 reduction in the allowance for uncollectible reinsurance. The three months ended September 30, 2010 included $41 of reserve releases related to auto liability claims.
[2]	The nine months ended September 30, 2009 included a $7 reduction to an assessment from the Texas Windstorm Insurance Association (“TWIA”) and reserve strengthening of $8 for other state funds and taxes.
[3]	The three months ended December 31, 2009 included a $13 increase in litigation reserves.
[4]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax, for the periods presented herein.

19

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSUMER MARKETS
UNDERWRITING RESULTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
UNDERWRITING RESULTS
Written premiums	$	1,049		$	953		$	943		$	1,033		$	1,014			(3	%)		(2	%)	$	3,042		$	2,990			(2	%)
Change in unearned premium reserve		60			(49	)		(53	)		38			29			(52	%)		(24	%)		85			14			(84	%)
Earned premiums		989			1,002			996			995			985			—			(1	%)		2,957			2,976			1	%
Losses and loss adjustment expenses
Current accident year before catastrophes		694			733			667			686			681			(2	%)		(1	%)		1,974			2,034			3	%
Current accident year catastrophes		90			(14	)		41			146			42			(53	%)		(71	%)		242			229			(5	%)
Prior accident years [1]		(25	)		(18	)		(7	)		(10	)		(34	)		(36	%)	NM				(15	)		(51	)	NM
Total losses and loss adjustment expenses		759			701			701			822			689			(9	%)		(16	%)		2,201			2,212			—
Underwriting expenses [2]		240			237			241			241			238			(1	%)		(1	%)		710			720			1	%
Underwriting results	$	(10	)	$	64		$	54		$	(68	)	$	58		NM			NM			$	46		$	44			(4	%)
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes		70.4			73.1			66.9			69.0			69.2			1.2			(0.2	)		66.8			68.4			(1.6	)
Current accident year catastrophes		9.1			(1.4	)		4.2			14.6			4.3			4.8			10.3			8.2			7.7			0.5
Prior accident years [1] [3]		(2.5	)		(1.8	)		(0.8	)		(0.9	)		(3.5	)		1.0			2.6			(0.5	)		(1.7	)		1.2
Total losses and loss adjustment expenses		76.9			69.9			70.4			82.6			70.0			6.9			12.6			74.5			74.4			0.1
Expenses		24.2			23.6			24.2			24.3			24.1			0.1			0.2			24.0			24.2			(0.2	)
Combined ratio		101.2			93.5			94.6			106.9			94.1			7.1			12.8			98.5			98.5			—
Catastrophes
Current year		9.1			(1.4	)		4.2			14.6			4.3			4.8			10.3			8.2			7.7			0.5
Prior year		(1.0	)		(0.3	)		(0.1	)		0.5			0.7			(1.7	)		(0.2	)		0.3			0.4			(0.1	)
Catastrophe ratio		8.1			(1.7	)		4.0			15.0			5.1			3.0			9.9			8.5			8.0			0.5
Combined ratio before catastrophes		93.1			95.2			90.5			91.8			89.1			4.0			2.7			90.0			90.5			(0.5	)
Combined ratio before catastrophes and prior year development		94.6			96.7			91.1			93.2			93.3			1.3			(0.1	)		90.8			92.6			(1.8	)
PRODUCT
Automobile		98.1			103.4			93.7			98.7			93.3			4.8			5.4			94.7			95.2			(0.5	)
Homeowners		109.3			68.3			96.8			128.8			96.3			13.0			32.5			108.5			107.4			1.1
Total		101.2			93.5			94.6			106.9			94.1			7.1			12.8			98.5			98.5			—

[1]	The three months ended September 30, 2009, December 31, 2009 and March 31, 2010 included reserve releases related to auto liability claims of $20, $24 and $17, respectively. The three months ended June 30, 2010 included reserve releases of $24 related to auto liability claims and a $5 reduction in the allowance for uncollectible reinsurance. The three months ended September 30, 2010 included $41 of reserve releases related to auto liability claims.
[2]	The nine months ended September 30, 2009 included a $7 reduction to an assessment from the Texas Windstorm Insurance Association (“TWIA”) and reserve strengthening of $8 for other state funds and taxes. The three months ended December 31, 2009 included a $13 increase in litigation reserves.
[3]	Included in the prior year losses and loss adjustment expenses ratio is prior accident year development on catastrophe losses.

20

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSUMER MARKETS
WRITTEN AND EARNED PREMIUMS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
BUSINESS UNIT
WRITTEN PREMIUMS [1]
AARP	$	755		$	672		$	671		$	752		$	743			(2	%)		(1	%)	$	2,199		$	2,166			(2	%)
Agency		280			264			258			267			258			(8	%)		(3	%)		797			783			(2	%)
Other		14			17			14			14			13			(7	%)		(7	%)		46			41			(11	%)
Total	$	1,049		$	953		$	943		$	1,033		$	1,014			(3	%)		(2	%)	$	3,042		$	2,990			(2	%)
EARNED PREMIUMS [1]
AARP	$	712		$	720		$	715		$	716		$	712			—			(1	%)	$	2,124		$	2,143			1	%
Agency		261			266			266			264			259			(1	%)		(2	%)		783			789			1	%
Other		16			16			15			15			14			(13	%)		(7	%)		50			44			(12	%)
Total	$	989		$	1,002		$	996		$	995		$	985			—			(1	%)	$	2,957		$	2,976			1	%
PRODUCT LINE
WRITTEN PREMIUMS [1]
Automobile	$	742		$	682		$	696		$	719		$	700			(6	%)		(3	%)	$	2,195		$	2,115			(4	%)
Homeowners		307			271			247			314			314			2	%		—			847			875			3	%
Total	$	1,049		$	953		$	943		$	1,033		$	1,014			(3	%)		(2	%)	$	3,042		$	2,990			(2	%)
EARNED PREMIUMS [1]
Automobile	$	717		$	721		$	713		$	711		$	698			(3	%)		(2	%)	$	2,136		$	2,122			(1	%)
Homeowners		272			281			283			284			287			6	%		1	%		821			854			4	%
Total	$	989		$	1,002		$	996		$	995		$	985			—			(1	%)	$	2,957		$	2,976			1	%
STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)
Renewal Written Price Increases
Automobile		3	%		4	%		5	%		6	%		8	%		5	%		2	%		3	%		6	%		3	%
Homeowners		5	%		7	%		9	%		9	%		11	%		6	%		2	%		5	%		9	%		4	%
Policy Count Retention
Automobile		86	%		86	%		84	%		84	%		82	%		(4	%)		(2	%)		86	%		83	%		(2	%)
Homeowners		86	%		86	%		85	%		85	%		84	%		(2	%)		(1	%)		86	%		85	%		(3	%)
New Business Premium $
Automobile	$	118		$	99		$	93		$	82		$	74			(37	%)		(10	%)	$	356		$	249			(30	%)
Homeowners	$	41		$	36		$	30		$	30		$	26			(37	%)		(13	%)	$	113		$	86			(24	%)
Policies in force
Automobile		2,394,043			2,395,421			2,376,660			2,341,594			2,287,845			(4	%)		(2	%)
Homeowners		1,483,795			1,488,408			1,487,782			1,479,749			1,455,921			(2	%)		(2	%)

[1] The difference between written premiums and earned premiums is attributable to the change in unearned premium reserve.

21

WEALTH MANAGEMENT

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
OPERATING RESULTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
REVENUES
Earned premiums [1]	$	10		$	4		$	17		$	36		$	45		NM				25	%	$	250		$	98			(61	%)
Fee income [1]		1,070			1,139			1,129			1,126			1,117			4	%		(1	%)		3,159			3,372			7	%
Net investment income (loss)
Securities available-for-sale and other		606			583			607			673			649			7	%		(4	%)		1,764			1,929			9	%
Equity securities held for trading [2]		638			751			701			(2,649	)		1,043			63	%	NM				2,437			(905	)	NM
Total net investment income (loss)		1,244			1,334			1,308			(1,976	)		1,692			36	%	NM				4,201			1,024			(76	%)
Net realized capital gains losses — core		3			(3	)		—			7			3			—			(57	%)		(15	)		10		NM
Total core revenues		2,327			2,474			2,454			(807	)		2,857			23	%	NM				7,595			4,504			(41	%)
Net realized losses and other, before tax and DAC, excluded from core revenues		(1,047	)		(267	)		(238	)		(44	)		(316	)		70	%	NM				(886	)		(598	)		33	%
Total revenues		1,280			2,207			2,216			(851	)		2,541			99	%	NM				6,709			3,906			(42	%)
BENEFITS AND EXPENSES
Benefits, losses and loss adjustment expenses [1]		621			777			745			949			706			14	%		(26	%)		3,236			2,400			(26	%)
Benefits, losses and loss adjustment expenses — Returns credited on International variable annuities [2]		638			751			701			(2,649	)		1,043			63	%	NM				2,437			(905	)	NM
Amortization of deferred policy acquisition costs and present value of future profits [1]		27			124			186			375			97		NM				(74	%)		1,541			658			(57	%)
Insurance operating costs and other expenses		433			478			441			446			448			3	%		—			1,330			1,335			—
Total benefits and expenses		1,719			2,130			2,073			(879	)		2,294			33	%	NM				8,544			3,488			(59	%)
CORE EARNINGS
Core earnings before income taxes		608			344			381			72			563			(7	%)	NM				(949	)		1,016		NM
Income tax expense (benefit) [1]		167			40			87			(11	)		165			(1	%)	NM				(436	)		241		NM
Core earnings		441			304			294			83			398			(10	%)	NM				(513	)		775		NM
Net realized losses and other, net of tax and DAC, excluded from core earnings [1] [3]		(776	)		(188	)		(170	)		(57	)		(78	)		90	%		(37	%)		(918	)		(305	)		67	%
Net income (loss)	$	(335	)	$	116		$	124		$	26		$	320		NM			NM			$	(1,431	)	$	470		NM

[1] The DAC unlock recorded in the periods presented below affected each income statement line item as follows:

	THREE MONTHS ENDED															NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			SEPTEMBER 30,
	2009			2009			2010			2010			2010			2009			2010
Earned Premiums	$	1		$	(6	)	$	—		$	(1	)	$	(5	)	$	—		$	(6	)
Fee Income		(9	)		9			4			8			5			94			17
Benefits, losses and loss adjustment expense		(145	)		8			(51	)		135			(124	)		609			(40	)
Amortization of deferred policy acquisition costs		(216	)		(129	)		(66	)		122			(133	)		842			(77	)
Income tax expense (benefit)		122			46			42			(82	)		91			(453	)		51
Core earnings (loss)		231			78			79			(168	)		166			(904	)		77
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		(169	)		(41	)		6			(62	)		27			(164	)		(29	)
Net income (loss)		62			37			85			(230	)		193			(1,068	)		48

[2]	Includes dividend income and mark-to-market effects of trading securities supporting the international variable annuity business, which are classified in net investment income with corresponding amounts credited to policyholders within interest credited.
[3]	See pages 11 and 12 for disclosure of the components of net realized gains (losses), net of tax and DAC, for the periods presented herein.

22

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
DEFERRED POLICY ACQUISITION COSTS and PRESENT VALUE OF FUTURE PROFITS (“DAC”)

																			Total
	U.S.			International			Other			Life			Retirement			Mutual			Wealth
	Annuity			Annuity			Annuity			Insurance			Plans			Funds			Management
YEAR-TO-DATE
Balance, December 31, 2009	$	3,764		$	1,775		$	111		$	2,658		$	980		$	57		$	9,345
Adjustments to unrealized gains and losses on securities available — for — sale and other		(467	)		(51	)		—			(73	)		(281	)		—			(872	)
Balance excluding adjustments to unrealized gains and losses on securities available — for — sale and other		3,297			1,724			111			2,585			699			57			8,473
Cumulative effect of accounting changes (Pre-tax) [1]		3			—			—			—			8			—			11
Adjustments for business transfers		4			(34	)		(4	)		—			—			34			—
Capitalization		78			—			—			211			101			37			427
Amortization — Deferred Policy Acquisition Costs		(329	)		(182	)		(17	)		(99	)		(42	)		(47	)		(716	)
Amortization — Present Value of Future Profits		(4	)		—			—			(16	)		—			—			(20	)
Amortization — Realized Capital Gains / Losses		214			22			—			5			5			—			246
Amortization — Unlock — Core		90			(76	)		(1	)		29			35			—			77
Amortization — Unlock — Non-core		(32	)		(13	)		—			10			(12	)		—			(47	)
Effect of Currency Translation Adjustment		—			179			—			—			—			—			179
Balance, September 30, 2010		3,321			1,620			89			2,725			794			81			8,630
Adjustments to unrealized gains and losses on securities available — for — sale and other [1]		(426	)		60			(1	)		(177	)		(44	)		(2	)		(590	)
Balance, September 30, 2010 including adjustments to unrealized gains and losses on securities available-for-sale and other	$	2,895		$	1,680		$	88		$	2,548		$	750		$	79		$	8,040

[1] Includes the cumulative effect adjustments as a result of the adoption of ASU 2010-11. The effect is offset within adjustments to unrealized gains and losses on securities available for sale and other.

	THREE MONTHS ENDED,															NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			SEPTEMBER 30,
	2009			2009			2010			2010			2010			2009			2010
DAC UNLOCK IMPACT ON REVENUES
Global Annuity	$	(16	)	$	(8	)	$	(1	)	$	1		$	3		$	25		$	3
Life Insurance		8			11			5			6			(3	)		69			8
Total DAC unlock impact on core revenues	$	(8	)	$	3		$	4		$	7		$	—		$	94		$	11
DAC unlock impact on net realized gains (losses), before tax and DAC, excluded from core		(2	)		1			(3	)		5			(1	)		10			1
Total DAC unlock impact on revenues	$	(10	)	$	4		$	1		$	12		$	(1	)	$	104		$	12
DAC UNLOCK IMPACT ON CORE EARNINGS BY SEGMENT
Global Annuity		246			80			79			(162	)		113			(811	)		30
Life Insurance		(22	)		(3	)		(1	)		(3	)		28			(46	)		24
Retirement Plans		7			1			1			(3	)		25			(47	)		23
DAC unlock impact on core earnings [2]		231			78			79			(168	)		166			(904	)		77
DAC unlock impact on net realized gains (losses), net of tax and DAC, excluded from core earnings [3] [4]		(169	)		(41	)		6			(62	)		27			(164	)		(29	)
Net income (loss)	$	62		$	37		$	85		$	(230	)	$	193		$	(1,068	)	$	48

[2]	Included in the three months ended September 30, 2010 are the impacts of assumption updates of $(31), 28 and $18 for Global Annuity, Life Insurance and Retirement Plans, respectively.
[3]	Included in the three months ended September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010 are income tax expense (benefits) of $(95), $(12), $5,$(40) and $13 respectively. Included in the nine months ended September 30, 2009 and 2010 are income tax benefits of $(88) and $(22), respectively.
[4]	Included in the three months ended September 30, 2010 are the impacts of assumption updates of $24, $1 and $(5) for Global Annuity, Life Insurance and Retirement Plans, respectively.

23

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
SUPPLEMENTAL DATA — ANNUITY DEATH AND LIVING BENEFITS

	As of September 30, 2010
	ACCOUNT VALUE		NET AMT AT		% of NAR
	[10]		RISK [9]		REINSURED			RETAINED NAR [9]
BREAKDOWN OF INDIVIDUAL VARIABLE AND GROUP ANNUITY ACCOUNT VALUE BY BENEFIT TYPE
Maximum anniversary value (MAV) [1]
MAV only	$	24,880	$	7,196		73	%	$	1,963
with 5% rollup [2]		1,710		589		63	%		219
with Earnings Protection Benefit Rider (EPB) [3]		6,311		1,173		90	%		121
with 5% rollup & EPB		707		195		79	%		40
Total MAV		33,608		9,153		74	%		2,343
Asset Protection Benefit (APB) [4]		27,097		4,319		36	%		2,775
Lifetime Income Benefit (LIB) [5]		1,276		161		—	%		161
Reset [6] (5-7 years)		3,555		398		1	%		394
Return of Premium [7]/Other		22,206		1,117		3	%		1,083
SUBTOTAL U.S. GUARANTEED MINIMUM DEATH BENEFITS [10]	$	87,742	$	15,148		55	%	$	6,756
Less: General Account Value Subject to U.S. Guaranteed Minimum Death Benefits		6,861
SUBTOTAL SEPARATE ACCOUNT LIABILITIES SUBJECT TO U.S. GUARANTEED MINIMUM DEATH BENEFITS	$	80,881
Separate Account Liabilities Not Subject to U.S. Guaranteed Minimum Death Benefits		73,338
TOTAL SEPARATE ACCOUNT LIABILITIES	$	154,219
JAPAN GUARANTEED MINIMUM DEATH AND LIVING BENEFITS [8]		30,912		8,569		16	%		7,233

	As of		As of		As of		As of		As of
	September 30,		December 31,		March 31,		June 30,		September 30,
	2009		2009		2010		2010		2010
OTHER DATA
U.S. VARIABLE ANNUITY BUSINESS
S&P 500 Index Value at end of period		1,057.08		1,115.10		1,169.43		1,030.71		1,141.20
Total Account Value	$	90,076	$	91,820	$	92,694	$	82,857	$	87,742
Retained net amount of risk		10,218		8,545		7,047		10,040		6,756
GMDB net GAAP liability [11]		444		446		412		480		407
JAPAN VARIABLE ANNUITY BUSINESS
Total Account Value	$	31,698	$	30,521	$	30,379	$	28,888	$	30,912
Retained net amount of risk		5,804		5,238		4,856		7,597		7,233
GMDB/GMIB net GAAP liability [11]		549		543		523		616		592

[1]	MAV: the death benefit is the greatest of current account value, net premiums paid and the highest account value on any anniversary before age 80 (adjusted for withdrawals).
[2]	Rollup: the death benefit is the greatest of the MAV, current account value, net premium paid and premiums (adjusted for withdrawals) accumulated at generally 5% simple interest up to the earlier of age 80 or 100% of adjusted premiums.
[3]	EPB: the death benefit is the greatest of the MAV, current account value, or contract value plus a percentage of the contract’s growth. The contract’s growth is account value less premiums net of withdrawals, subject to a cap of 200% of premiums net of withdrawals.
[4]	APB: the death benefit is the greater of current account value or MAV, not to exceed current account value plus 25% times the greater of net premiums and MAV (each adjusted for premiums in the past 12 months).
[5]	LIB: the death benefit is the greatest of current account value, net premiums paid, or for certain contracts a benefit amount that ratchets over time, generally based on market performance.
[6]	Reset: the death benefit is the greatest of current account value, net premiums paid and the most recent five to seven year anniversary account value before age 80 (adjusted for withdrawals).
[7]	Return of premium: the death benefit is the greater of current account value and net premiums paid.
[8]	Death benefits include a Return of Premium and MAV (before age 80) paid in a single lump sum. The income benefit is a guarantee to return initial investment, which is adjusted for earnings liquidity, paid through a fixed annuity after a minimum deferral period of 10, 15 or 20 years. An accumulation benefit is a guarantee to return initial investment, along with a premium based on an agreed upon interest rate, paid through a fixes annuity or lump sum, after a deferral period of 10 years. A withdrawal benefit allows for an agreed upon percentage of the investment to be withdrawn each year until the investment value is reached. Guaranteed income, accumulation, and withdrawal benefits are considered living benefits. The guaranteed remaining balance related to the Japan GMIB was $ 30.8 billion and $28.5 billion as of September 30, 2010 and December 31, 2009, respectively. The combined guaranteed remaining balance related to the Japan GMAB and GMWB was $694 and $648 as of September 30, 2010 and December 31, 2009, respectively.
[9]	Net amount at risk is defined as the guaranteed benefit in excess of the current account value. Retained net amount at risk is net amount at risk reduced by that amount which has been reinsured to third parties. Net amount at risk and retained net amount at risk are highly sensitive to equity market movements for example, as equity market declines, net amount at risk and retained net amount at risk will generally increase.
[10]	Account Value includes the contract holder’s investment in the separate account and the general account.
[11]	For the three months ended September 30, 2009, there was a decrease to the GMDB/GMIB liability as a result of the unlock, for U.S. and Japan variable annuity business of $(117) and $(22), respectively. For the three months ended December 31, 2009 the amounts were $1 and $13, respectively. For the three months ended March 31, 2010 the amounts were $(28) and $(19), respectively. For the three months ended June 30, 2010 the amounts were $71 and $58, respectively. For the three months ended September 30, 2010 the amounts were $(69) and $(53), respectively.

24

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
GLOBAL ANNUITY [1]
INCOME STATEMENTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
Variable annuity fees	$	544		$	568		$	544		$	537		$	535			(2	%)		—		$	1,517		$	1,616			7	%
Other fees [2]		39			58			46			44			58			49	%		32	%		173			148			(14	%)
Total fee income		583			626			590			581			593			2	%		2	%		1,690			1,764			4	%
Direct premiums		56			62			60			82			97			73	%		18	%		382			239			(37	%)
Reinsurance premiums [2]		(25	)		(32	)		(23	)		(25	)		(28	)		(12	%)		(12	%)		(74	)		(76	)		(3	%)
Net premiums		31			30			37			57			69			123	%		21	%		308			163			(47	%)
Total premiums and other considerations		614			656			627			638			662			8	%		4	%		1,998			1,927			(4	%)
Net investment income
Net investment income on G/A assets		429			412			395			420			377			(12	%)		(10	%)		1,222			1,192			(2	%)
Net investment income on equity securities held for trading		638			751			701			(2,649	)		1,043			63	%	NM				2,437			(905	)	NM
Other net investment income		11			12			9			27			49		NM				81	%		60			85			42	%
Total net investment income		1,078			1,175			1,105			(2,202	)		1,469			36	%	NM				3,719			372			(90	%)
Net realized capital gains (losses) — core		5			(1	)		3			8			5			—			(38	%)		(7	)		16		NM
Total core revenues		1,697			1,830			1,735			(1,556	)		2,136			26	%	NM				5,710			2,315			(59	%)
Net realized losses and other, before tax and DAC, excluded from core revenues		(925	)		(134	)		(198	)		(110	)		(328	)		65	%		(198	%)		(545	)		(636	)		(17	%)
Total revenues		772			1,696			1,537			(1,666	)		1,808			134	%	NM				5,165			1,679			(67	%)
Benefits and Expenses
Benefits and losses
Death benefits [2]		(68	)		79			22			207			(56	)		18	%	NM				793			173			(78	%)
Other contract benefits		147			149			135			142			146			(1	%)		3	%		436			423			(3	%)
Change in reserve		20			36			41			64			64		NM				—			344			169			(51	%)
Sales inducements [2]		11			6			8			18			11			—			(39	%)		98			37			(62	%)
Interest credited on G/A assets		272			262			259			246			243			(11	%)		(1	%)		825			748			(9	%)
Interest credited on International variable annuities		638			751			701			(2,649	)		1,043			63	%	NM				2,437			(905	)	NM
Total benefits and losses		1,020			1,283			1,166			(1,972	)		1,451			42	%	NM				4,933			645			(87	%)
Other insurance expenses
Commissions & wholesaling expenses		148			149			133			115			117			(21	%)		2	%		499			365			(27	%)
Operating expenses		103			109			80			85			84			(18	%)		(1	%)		353			249			(29	%)
Premium taxes and other expenses		10			8			13			12			12			20	%		—			31			37			19	%
Subtotal — expenses before deferral		261			266			226			212			213			(18	%)		—			883			651			(26	%)
Deferred policy acquisition costs		(61	)		(53	)		(39	)		(25	)		(14	)		77	%		44	%		(237	)		(78	)		67	%
Total other insurance expense		200			213			187			187			199			(1	%)		6	%		646			573			(11	%)
Amortization of deferred policy acquisition costs [2]		(60	)		48			115			288			116		NM				(60	%)		1,145			519			(55	%)
Total benefits and expenses		1,160			1,544			1,468			(1,497	)		1,766			52	%	NM				6,724			1,737			(74	%)
Core earnings (loss) before income taxes		537			286			267			(59	)		370			(31	%)	NM				(1,014	)		578		NM
Income tax expense (benefit) [2] [3]		156			35			58			(50	)		111			(29	%)	NM				(426	)		119		NM
Core earnings (loss) [2]		381			251			209			(9	)		259			(32	%)	NM				(588	)		459		NM
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings [1] [4]		(701	)		(113	)		(129	)		(105	)		(84	)		88	%		20	%		(716	)		(318	)		56	%
Net income (loss) [2]	$	(320	)	$	138		$	80		$	(114	)	$	175		NM			NM			$	(1,304	)	$	141		NM
RETURN ON ASSETS (After-tax bps)
Core earnings		96.5			61.7			53.2			(2.5	)		70.1			(27	%)	NM				(51.0	)		39.8		NM
Net income (loss)		(81.3	)		34.0			20.2			(30.1	)		47.4		NM			NM				(113.0	)		12.2		NM

[1]	The SPIA business was transferred to Global Annuity from the former Institutional segment, effective January 1, 2010 on a prospective basis.
[2]	The DAC unlock recorded in the periods presented below affected each income statement line item as follows:

	THREE MONTH ENDED															NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			SEPTEMBER 30,
	2009			2009			2010			2010			2010			2009			2010
Other Fees	$	(17	)	$	(2	)	$	(1	)	$	2		$	8		$	25		$	9
Reinsurance Premiums		1			(6	)		—			(1	)		(5	)		—			(6	)
Death Benefits		(140	)		16			(48	)		129			(123	)		544			(42	)
Sales Inducements		(10	)		(7	)		(3	)		6			—			56			3
Amortization of deferred policy acquisition costs		(242	)		(144	)		(70	)		107			(50	)		639			(13	)
Income tax expense (benefit)		130			47			41			(79	)		63			(403	)		25
Core earnings (loss)		246			80			79			(162	)		113			(811	)		30
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		(160	)		(40	)		2			(60	)		32			(153	)		(26	)
Net income (loss)		86			40			81			(222	)		145			(964	)		4

[3]	Included in the three months ended, December 31, 2009, is a DRD tax benefit of $30 related to the conclusion of the 2004 through 2006 IRS examination.
[4]	See pages 11 and 12 for disclosure of the components of net realized gains (losses), net of tax and DAC, for the periods presented herein.

25

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
GLOBAL ANNUITY
SUPPLEMENTAL DATA — U.S. ANNUITY — ACCOUNT VALUE ROLL FORWARD

	THREE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,
	2009			2009			2010			2010			2010
VARIABLE ANNUITIES
Beginning balance	$	75,613		$	83,315		$	84,679		$	85,320		$	75,961
Deposits		622			631			454			386			297
Surrenders		(1,954	)		(2,161	)		(2,361	)		(2,430	)		(2,275	)
Death benefits/annuity payouts		(340	)		(336	)		(399	)		(393	)		(361	)
Transfers [1]		(11	)		(13	)		(13	)		(17	)		(16	)
Net Flows		(1,683	)		(1,879	)		(2,319	)		(2,454	)		(2,355	)
Change in market value/change in reserve/interest credited		9,389			3,246			2,965			(6,900	)		6,757
Other [2]		(4	)		(3	)		(5	)		(5	)		(6	)
Ending balance	$	83,315		$	84,679		$	85,320		$	75,961		$	80,357
FIXED MVA AND OTHER
Beginning balance	$	11,949		$	12,084		$	12,110		$	12,823		$	12,579
Transfer in of SPIA [3]		—			—			683			—			—
Deposits		214			171			182			36			16
Surrenders		(171	)		(223	)		(220	)		(318	)		(256	)
Death benefits/annuity payouts		(110	)		(116	)		(135	)		(142	)		(136	)
Transfers [1]		46			45			54			51			39
Net Flows		(21	)		(123	)		(119	)		(373	)		(337	)
Change in market value/change in reserve/interest credited		156			149			149			129			155
Ending balance	$	12,084		$	12,110		$	12,823		$	12,579		$	12,397
TOTAL U.S. ANNUITY
Beginning balance	$	87,562		$	95,399		$	96,789		$	98,143		$	88,540
Transfer in of SPIA [3]		—			—			683			—			—
Deposits		836			802			636			422			313
Surrenders		(2,125	)		(2,384	)		(2,581	)		(2,748	)		(2,531	)
Death benefits/annuity payouts		(450	)		(452	)		(534	)		(535	)		(497	)
Transfers [1]		35			32			41			34			23
Net Flows		(1,704	)		(2,002	)		(2,438	)		(2,827	)		(2,692	)
Change in market value/change in reserve/interest credited		9,545			3,395			3,114			(6,771	)		6,912
Other [2]		(4	)		(3	)		(5	)		(5	)		(6	)
Ending balance	$	95,399		$	96,789		$	98,143		$	88,540		$	92,754

[1]	Includes internal product exchanges, policyholder balance transfers from the accumulation phase to the annuitization phase, and death benefit remaining on deposit.
[2]	Includes a bonus on certain products, front end loads on A share products and annual maintenance fees.
[3]	The Single Premium Immediate Annuity (“SPIA”) business was transferred to U.S. Annuity from Other Annuity, effective January 1, 2010 on a prospective basis.

26

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
GLOBAL ANNUITY
SUPPLEMENTAL DATA — INTERNATIONAL ANNUITY — ACCOUNT VALUE ROLL FORWARD

	THREE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,
	2009			2009			2010			2010			2010
VARIABLE ANNUITIES
Beginning balance	$	32,935		$	35,764		$	34,708		$	33,085		$	31,334
Transfer out of Canadian business [1]		—			—			(1,355	)		—			—
Deposits/Premiums/other		105			134			6			1			2
Surrenders		(218	)		(274	)		(361	)		(295	)		(337	)
Death benefits/annuitizations/other [2]		(144	)		(165	)		(170	)		(157	)		(158	)
Net Flows		(257	)		(305	)		(525	)		(451	)		(493	)
Change in market value/currency/change in reserve/interest credited		780			401			519			(2,856	)		880
Effect of currency translation		2,306			(1,152	)		(262	)		1,556			1,834
Ending balance	$	35,764		$	34,708		$	33,085		$	31,334		$	33,555
FIXED MVA AND OTHER [3]
Beginning balance	$	4,437		$	4,732		$	4,365		$	4,294		$	4,488
Surrenders		(28	)		(24	)		(54	)		(27	)		(35	)
Death benefits/annuitizations/other [2]		(27	)		(205	)		(33	)		(32	)		(28	)
Net Flows		(55	)		(229	)		(87	)		(59	)		(63	)
Change in market value/currency/change in reserve/interest credited		8			34			30			15			13
Effect of currency translation		342			(172	)		(14	)		238			265
Ending balance	$	4,732		$	4,365		$	4,294		$	4,488		$	4,703
TOTAL INTERNATIONAL ANNUITY
Beginning balance	$	37,372		$	40,496		$	39,073		$	37,379		$	35,822
Transfer out of Canadian business [1]		—			—			(1,355	)		—			—
Deposits/Premiums/other		105			134			6			1			2
Surrenders		(246	)		(298	)		(415	)		(322	)		(372	)
Death benefits/annuitizations/other [2]		(171	)		(370	)		(203	)		(189	)		(186	)
Net Flows		(312	)		(534	)		(612	)		(510	)		(556	)
Change in market value/change in reserve/interest credited		788			435			549			(2,841	)		893
Effect of currency translation		2,648			(1,324	)		(276	)		1,794			2,099
Ending balance	$	40,496		$	39,073		$	37,379		$	35,822		$	38,258

[1]	The Canadian business was transferred to Mutual Funds from International Annuity, effective January 1, 2010 on a prospective basis.
[2]	Included in the three months ended September 30, 2010 are current period payments of $9.1 and interest credited of $16.6 related to 3 Win “GMIB” policies that triggered in fourth quarter 2008 and first quarter 2009 for option (2), which are included in the fixed MVA and other — death benefits/annuitizations/other and change in market value/change in reserve/interest credited. The 3 Win guaranteed minimum benefit “GMIB” requires the policyholder to elect one of the two options; either (1) receive 80% of their initial deposit without surrender penalty or (2) receive 100% of the initial deposit via a 15 year pay out annuity.
[3]	Of the total ending fixed MVA and other balance as of September 30, 2010 of $4.7 billion, approximately $2.0 billion is related to the triggering of the guaranteed minimum income benefit for the 3 Win product. This account value is not expected to generate material future profit or loss to the Company.

27

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
GLOBAL ANNUITY
SUPPLEMENTAL DATA — OTHER — ACCOUNT VALUE AND ASSET ROLL FORWARD

	THREE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,
	2009			2009			2010			2010			2010
INSTITUTIONAL INVESTMENT PRODUCTS ACCOUNT VALUE
Beginning balance	$	23,928		$	23,128		$	22,373		$	21,060		$	19,950
Transfer out of SPIA, Lifetime Income and Maturity Funding [1]		—			—			(877	)		—			—
Deposits		210			146			33			12			132
Surrenders		(1,457	)		(934	)		(352	)		(895	)		(250	)
Death benefits/annuity payouts		(186	)		(232	)		(474	)		(527	)		(260	)
Net Flows		(1,433	)		(1,020	)		(793	)		(1,410	)		(378	)
Change in market value/change in reserve/interest credited		633			265			357			300			514
Ending balance	$	23,128		$	22,373		$	21,060		$	19,950		$	20,086
INVESTMENT ONLY MUTUAL FUND ASSETS
Beginning balance	$	3,654		$	4,453		$	4,262		$	—		$	—
Transfer out of Investment Only Mutual Funds [2]		—			—			(4,262	)		—			—
Deposits		387			466			—			—			—
Surrenders		(257	)		(912	)		—			—			—
Net Flows		130			(446	)		—			—			—
Change in market value/change in reserve/interest credited		669			255			—			—			—
Ending balance	$	4,453		$	4,262		$	—		$	—		$	—
TOTAL OTHER ANNUITY
Beginning balance	$	27,582		$	27,581		$	26,635		$	21,060		$	19,950
Transfer out of Investment Only Mutual Funds, SPIA, and Lifetime Income & Maturity Funding [1,2]		—			—			(5,139	)		—			—
Deposits		597			612			33			12			132
Surrenders		(1,714	)		(1,846	)		(352	)		(895	)		(250	)
Death benefits/annuity payouts		(186	)		(232	)		(474	)		(527	)		(260	)
Net Flows		(1,303	)		(1,466	)		(793	)		(1,410	)		(378	)
Change in market value/change in reserve/interest credited		1,302			520			357			300			514
Ending balance	$	27,581		$	26,635		$	21,060		$	19,950		$	20,086

[1]	SPIA and Lifetime Income & Maturity Funding were transferred to U.S. Annuity and Retirement Plans, respectively, from Global Annuity — Other, effective January 1, 2010 on a prospective basis.
[2]	The Investment Only Mutual Funds business was transferred to Mutual Funds from Global Annuity - - Other, effective January 1, 2010, on a prospective basis.

28

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
LIFE INSURANCE
INCOME STATEMENTS

																Year Over
																Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
Variable life fees	$	23		$	24		$	23		$	25		$	22			(4	%)		(12	%)	$	69		$	70			1	%
Cost of insurance charges		162			173			185			186			194			20	%		4	%		506			565			12	%
Other fees [1]		82			81			73			73			54			(34	%)		(26	%)		290			200			(31	%)
Total fee income		267			278			281			284			270			1	%		(5	%)		865			835			(3	%)
Direct premiums		33			35			33			35			35			6	%		—			97			103			6	%
Reinsurance premiums		(55	)		(61	)		(55	)		(58	)		(60	)		(9	%)		(3	%)		(158	)		(173	)		(9	%)
Net premiums		(22	)		(26	)		(22	)		(23	)		(25	)		(14	%)		(9	%)		(61	)		(70	)		(15	%)
Total premiums and other considerations		245			252			259			261			245			—			(6	%)		804			765			(5	%)
Net investment income
Net investment income on G/A assets		95			91			128			136			131			38	%		(4	%)		273			395			45	%
Other net investment income (loss)		(4	)		(4	)		(4	)		(1	)		1		NM			NM				(13	)		(4	)		69	%
Total net investment income		91			87			124			135			132			45	%		(2	%)		260			391			50	%
Net realized capital losses — core		(1	)		—			(1	)		—			—			100	%		—			(3	)		(1	)		67	%
Total core revenues		335			339			382			396			377			13	%		(5	%)		1,061			1,155			9	%
Net realized gains (losses) and other, before tax and DAC, excluded from core revenues		(34	)		(30	)		(27	)		59			11		NM				(81	%)		(118	)		43		NM
Total revenues		301			309			355			455			388			29	%		(15	%)		943			1,198			27	%
Benefits and Expenses
Benefits and losses
Death benefits		92			103			114			100			134			46	%		34	%		304			348			14	%
Other contract benefits		7			8			7			14			8			14	%		(43	%)		25			29			16	%
Change in reserve [1]		14			1			7			(3	)		(1	)	NM				67	%		15			3			(80	%)
Sales inducements		—			—			1			—			2			—			—			1			3		NM
Interest credited on G/A assets		63			68			88			91			85			35	%		(7	%)		190			264			39	%
Total benefits and losses		176			180			217			202			228			30	%		13	%		535			647			21	%
Other insurance expenses
Commissions & wholesaling expenses		43			51			40			40			48			12	%		20	%		124			128			3	%
Operating expenses		64			67			62			69			65			2	%		(6	%)		194			196			1	%
Premium taxes and other expenses		10			16			15			16			10			—			(38	%)		33			41			24	%
Subtotal — expenses before deferral		117			134			117			125			123			5	%		(2	%)		351			365			4	%
Deferred policy acquisition costs		(68	)		(79	)		(64	)		(68	)		(79	)		(16	%)		(16	%)		(198	)		(211	)		(7	%)
Total other insurance expense		49			55			53			57			44			(10	%)		(23	%)		153			154			1	%
Amortization of deferred policy acquisition costs and present value of future profits [1]		80			58			48			50			(13	)	NM			NM				272			85			(69	%)
Total benefits and expenses		305			293			318			309			259			(15	%)		(16	%)		960			886			(8	%)
Core earnings before income taxes		30			46			64			87			118		NM				36	%		101			269			166	%
Income tax expense (benefit) [1]		(4	)		9			16			27			33		NM				22	%		10			76		NM
Core earnings [1]		34			37			48			60			85			150	%		42	%		91			193			112	%
Net realized gains (losses), net of tax and DAC, excluded from core earnings [2]		(26	)		(16	)		(24	)		43			12		NM				(72	%)		(73	)		31		NM
Net income [1]	$	8		$	21		$	24		$	103		$	97		NM				(6	%)	$	18		$	224		NM
Earnings Margin (After-tax)
Core earnings		10.1	%		10.9	%		12.6	%		15.2	%		22.5	%		12.4			7.3			8.6	%		16.7	%		8.1
Net income		2.7	%		6.8	%		6.8	%		22.6	%		25.0	%		22.3			2.4			1.9	%		18.7	%		16.8

[1] The DAC unlock recorded in the periods presented below affected each income statement line item as follows:

	THREE MONTH ENDED															NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			SEPTEMBER 30,
	2009			2009			2010			2010			2010			2009			2010
Other Fees	$	8		$	11		$	5		$	6		$	(3	)	$	69		$	8
Change in reserve		6			—			—			—			(2	)		6			(2	)
Amortization of deferred policy acquisition costs		36			15			6			11			(46	)		134			(29	)
Income tax expense (benefit)		(12	)		(1	)		—			(2	)		15			(25	)		13
Core earnings (loss)		(22	)		(3	)		(1	)		(3	)		28			(46	)		24
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		(2	)		—			4			—			1			(2	)		5
Net income (loss)		(24	)		(3	)		3			(3	)		29			(48	)		29

[2] See pages 11 and 12 for disclosure of the components of net realized gains (losses), net of tax and DAC, for the periods presented herein.

29

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
LIFE INSURANCE
SUPPLEMENTAL DATA — INDIVIDUAL LIFE

											Year Over
	THREE MONTHS ENDED										Year			Sequential			NINE MONTHS ENDED
	Sept. 30,		Dec. 31,		March 31,		June 30,		Sept. 30,		3 Month			3 Month			SEPTEMBER 30,
	2009		2009		2010		2010		2010		Change			Change			2009		2010		Change
SALES BY DISTRIBUTION [1]
National Accounts	$	25	$	30	$	21	$	25	$	25		—			—		$	69	$	71		3	%
Independent		20		26		22		23		29		45	%		26	%		62		74		19	%
Other		4		3		3		4		2		(50	%)		(50	%)		10		9		(10	%)
Total sales by distribution	$	49	$	59	$	46	$	52	$	56		14	%		8	%	$	141	$	154		9	%
SALES BY PRODUCT
Variable Life	$	10	$	13	$	8	$	8	$	8		(20	%)		—		$	34	$	24		(29	%)
Universal life		34		41		33		40		44		29	%		10	%		91		117		29	%
Term/other life		5		5		5		4		4		(20	%)		—			16		13		(19	%)
Total sales by product	$	49	$	59	$	46	$	52	$	56		14	%		8	%	$	141	$	154		9	%
PREMIUMS & DEPOSITS
Variable life	$	149	$	176	$	137	$	136	$	136		(9	%)		—		$	461	$	409		(11	%)
Universal life/other life		239		288		255		265		294		23	%		11	%		715		814		14	%
Term/other		36		38		36		37		37		3	%		—			108		110		2	%
Total Premiums & Deposits	$	424	$	502	$	428	$	438	$	467		10	%		7	%	$	1,284	$	1,333		4	%
ACCOUNT VALUE
General account	$	6,137	$	6,245	$	6,339	$	6,429	$	6,551		7	%		2	%
Separate account		5,006		5,214		5,342		4,951		5,201		4	%		5	%
Total account value	$	11,143	$	11,459	$	11,681	$	11,380	$	11,752		5	%		3	%
ACCOUNT VALUE BY PRODUCT
Variable life	$	5,552	$	5,766	$	5,900	$	5,507	$	5,757		4	%		5	%
Universal life/other life		5,591		5,693		5,781		5,873		5,995		7	%		2	%
Total account value by product	$	11,143	$	11,459	$	11,681	$	11,380	$	11,752		5	%		3	%
LIFE INSURANCE IN-FORCE
Variable life [2]	$	75,667	$	78,671	$	77,592	$	76,445	$	75,399		—			(1	%)
Universal life		54,775		56,030		55,806		56,571		57,734		5	%		2	%
Term		68,447		69,968		71,078		72,625		73,959		8	%		2	%
Total life insurance in-force	$	198,889	$	204,669	$	204,476	$	205,641	$	207,092		4	%		1	%

[1]	Sales are reported using Commissionable Weighted Premium.
[2]	Included in the three months ended December 31, 2009, is an adjustment of $4.5 billion for VUL riders not previously reported.

30

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
LIFE INSURANCE
SUPPLEMENTAL DATA — INDIVIDUAL LIFE — ACCOUNT VALUE ROLL FORWARD

	THREE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,
	2009			2009			2010			2010			2010
VARIABLE LIFE
Beginning balance	$	5,049		$	5,552		$	5,766		$	5,900		$	5,507
First year & single premiums		23			32			18			17			18
Renewal premiums		126			144			119			119			118
Premiums and deposits		149			176			137			136			136
Surrenders		(104	)		(116	)		(88	)		(89	)		(93	)
Death benefits		(17	)		(16	)		(15	)		(24	)		(18	)
Net Flows		28			44			34			23			25
Policy fees		(123	)		(132	)		(114	)		(118	)		(118	)
Change in market value/interest credited		598			302			214			(298	)		343
Ending balance	$	5,552		$	5,766		$	5,900		$	5,507		$	5,757
UNIVERSAL LIFE [1]
Beginning balance	$	5,510		$	5,591		$	5,693		$	5,781		$	5,873
First year & single premiums		109			141			123			127			154
Renewal premiums		130			147			132			138			140
Premiums and deposits		239			288			255			265			294
Surrenders		(45	)		(59	)		(49	)		(40	)		(43	)
Death benefits		(23	)		(26	)		(27	)		(36	)		(25	)
Net Flows		171			203			179			189			226
Policy fees		(146	)		(162	)		(146	)		(154	)		(161	)
Change in market value/interest credited		56			61			55			57			57
Ending balance	$	5,591		$	5,693		$	5,781		$	5,873		$	5,995
INDIVIDUAL LIFE
Beginning balance	$	10,559		$	11,143		$	11,459		$	11,681		$	11,380
First year & single premiums		132			173			141			144			172
Renewal premiums		256			291			251			257			258
Premiums and deposits		388			464			392			401			430
Surrenders		(149	)		(175	)		(137	)		(129	)		(136	)
Death benefits		(40	)		(42	)		(42	)		(60	)		(43	)
Net Flows		199			247			213			212			251
Policy fees		(269	)		(294	)		(260	)		(272	)		(279	)
Change in market value/interest credited		654			363			269			(241	)		400
Ending balance	$	11,143		$	11,459		$	11,681		$	11,380		$	11,752

[1] Includes Universal Life, Interest Sensitive Whole Life, Modified Guaranteed Life Insurance and other.

31

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
LIFE INSURANCE
SUPPLEMENTAL DATA — PRIVATE PLACEMENT LIFE INSURANCE — ACCOUNT VALUE AND ACCOUNT VALUE ROLL FORWARD

																Year Over
	THREE MONTHS ENDED															Year			Sequential
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			3 Month			3 Month
	2009			2009			2010			2010			2010			Change			Change
PRIVATE PLACEMENT LIFE INSURANCE ACCOUNT VALUE
General account [1]	$	44		$	4		$	1,729		$	1,732		$	1,743		NM				1	%
Non-guaranteed separate account		33,153			33,352			33,512			33,317			33,815			2	%		1	%
Total Private Placement Life Insurance account value	$	33,197		$	33,356		$	35,241		$	35,049		$	35,558			7	%		1	%
PRIVATE PLACEMENT LIFE INSURANCE ACCOUNT VALUE ROLL FORWARD
Beginning balance	$	32,594		$	33,197		$	33,356		$	35,241		$	35,049
Transfer in of Leveraged COLI [1]		—			—			1,794			—			—
Deposits		26			41			21			68			29
Surrenders		(2	)		(225	)		(251	)		(272	)		(11	)
Death benefits/annuity payouts		(17	)		(24	)		(28	)		(38	)		(35	)
Net Flows		7			(208	)		(258	)		(242	)		(17	)
Change in market value/change in reserve/interest credited		624			390			415			112			575
Other [2]		(28	)		(23	)		(66	)		(62	)		(49	)
Ending balance	$	33,197		$	33,356		$	35,241		$	35,049		$	35,558

[1]	The Leveraged COLI business was transferred in from Corporate and Other to Private Placement Life Insurance, effective January 1, 2010, on a prospective basis.
[2]	Primarily consists of cost of insurance and Mortality & Expense charges.

32

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
RETIREMENT PLANS[1]
INCOME STATEMENTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
Variable annuity and life fees	$	50		$	51		$	54		$	56		$	57			14	%		2	%	$	134		$	167			25	%
Mutual fund and other fees		33			36			31			31			31			(6	%)		—			100			93			(7	%)
Total fee income		83			87			85			87			88			6	%		1	%		234			260			11	%
Direct premiums		1			—			2			2			1			—			(50	%)		3			5			67	%
Total premiums and other considerations		84			87			87			89			89			6	%		—			237			265			12	%
Net investment income
Net investment income on G/A assets		79			76			79			91			92			16	%		1	%		233			262			12	%
Other net investment income		1			2			2			2			1			—			(50	%)		4			5			25	%
Total net investment income		80			78			81			93			93			16	%		—			237			267			13	%
Net realized losses — core		(1	)		(2	)		(2	)		(1	)		(2	)		(100	%)		(100	%)		(5	)		(5	)		—
Total core revenues		163			163			166			181			180			10	%		(1	%)		469			527			12	%
Net realized gains (losses), before tax and DAC, excluded from core revenues		(88	)		(103	)		(14	)		7			2		NM				(71	%)		(223	)		(5	)		98	%
Total revenues		75			60			152			188			182			143	%		(3	%)		246			522			112	%
Benefits and Expenses
Benefits and losses
Death benefits [2]		—			(2	)		—			1			(1	)		—		NM				2			—			(100	%)
Other contract benefits		10			11			15			15			15			50	%		—			32			45			41	%
Change in reserve		(5	)		(4	)		(11	)		(6	)		(6	)		(20	%)		—			(15	)		(23	)		(53	%)
Sales inducements [2]		—			—			—			—			—			—			—			2			—			(100	%)
Interest credited on G/A assets		58			60			59			60			63			9	%		5	%		184			182			(1	%)
Total benefits and losses		63			65			63			70			71			13	%		1	%		205			204			—
Other insurance expenses
Commissions & wholesaling expenses		36			36			45			40			44			22	%		10	%		103			129			25	%
Operating expenses [3]		71			86			70			69			67			(6	%)		(3	%)		212			206			(3	%)
Premium taxes and other expenses		7			8			6			4			6			(14	%)		50	%		19			16			(16	%)
Subtotal — expenses before deferral		114			130			121			113			117			3	%		4	%		334			351			5	%
Deferred policy acquisition costs		(33	)		(25	)		(36	)		(32	)		(33	)		—			(3	%)		(93	)		(101	)		(9	%)
Total other insurance expense		81			105			85			81			84			4	%		4	%		241			250			4	%
Amortization of deferred policy acquisition costs [2]		(4	)		6			8			21			(22	)	NM			NM				86			7			(92	%)
Total benefits and expenses		140			176			156			172			133			(5	%)		(23	%)		532			461			(13	%)
Core earnings (loss) before income taxes		23			(13	)		10			9			47			104	%	NM				(63	)		66		NM
Income tax expense (benefit) [2]		8			(12	)		(1	)		(1	)		12			50	%	NM				(30	)		10		NM
Core earnings (loss) [2]		15			(1	)		11			10			35			133	%	NM				(33	)		56		NM
Net realized gains (losses), net of tax and DAC, excluded from core earnings [2] [4]		(49	)		(59	)		(17	)		4			(5	)		90	%	NM				(129	)		(18	)		86	%
Net income (loss) [2]	$	(34	)	$	(60	)	$	(6	)	$	14		$	30		NM				114	%	$	(162	)	$	38		NM
RETURN ON ASSETS (After-tax bps)
Core earnings (losses)		14.7			(0.9	)		9.7			8.9			29.7			102	%	NM				(11.0	)		15.8		NM
Net income (loss)		(33.3	)		(55.4	)		(5.3	)		12.4			25.4		NM				105	%		(54.1	)		10.7		NM

[1]	The lifetime income and maturity funding business was transferred from Global Annuity to Retirement Plans effective January 1, 2010 on a prospective basis.
[2]	The DAC unlock recorded in the periods presented below affected each income statement line item as follows:

																NINE MONTHS ENDED
	THREE MONTH ENDED															SEPTEMBER 30,
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,
	2009			2009			2010			2010			2010			2009			2010
Death Benefits	$	(1	)	$	(1	)	$	—		$	—		$	—		$	1		$	—
Sales Inducements		—			—			—			—			(1	)		2			(1	)
Amortization of deferred policy acquisition costs		(10	)		—			(2	)		4			(37	)		69			(35	)
Income tax expense (benefit)		4			—			1			(1	)		13			(25	)		13
Core earnings (loss)		7			1			1			(3	)		25			(47	)		23
Less: Net realized gains (losses), net of tax and DAC, excluded from core earnings		(7	)		(1	)		—			(2	)		(6	)		(9	)		(8	)
Net income (loss)		—			—			1			(5	)		19			(56	)		15

[3]	The three months ended December 31, 2009, includes a litigation accrual of $14, before tax.
[4]	See pages 11 and 12 for disclosure of the components of net realized gains (losses), net of tax and DAC, for the periods presented herein.

33

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
RETIREMENT PLANS
SUPPLEMENTAL DATA — ASSETS UNDER MANAGEMENT AND ADMINISTRATION

											Year Over
											Year			Sequential
	Sept. 30,		Dec. 31,		March 31,		June 30,		Sept. 30,		3 Month			3 Month
	2009		2009		2010		2010		2010		Change			Change
RETIREMENT PLANS
General account	$	6,372	$	6,456	$	6,781	$	6,929	$	7,171		13	%		3	%
Guaranteed separate account		—		—		—		2		3		—			50	%
Non-guaranteed separate account		19,727		20,802		22,497		21,012		23,464		19	%		12	%
Total Retirement Plans account value	$	26,099	$	27,258	$	29,278	$	27,943	$	30,638		17	%		10	%
401(k)/403(b) mutual funds		16,648		16,704		17,186		15,848		18,602		12	%		17	%
Total Retirement Plans Assets Under Management	$	42,747	$	43,962	$	46,464	$	43,791	$	49,240		15	%		12	%
Assets Under Administration [1]	$	5,867	$	5,588	$	5,755	$	5,348	$	4,266		(27	%)		(20	%)
Number of Participants [2]		157,867		153,799		154,504		145,805		109,170		(31	%)		(25	%)

[1]	Assets under administration are not included when calculating return on assets measures for the Retirement Plans segment and are not included in Retirement Plans Assets Under Management.
[2]	Earnings for assets under administration are predominantly driven by participant count. The participant count represents the actual number of participants.

34

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
RETIREMENT PLANS
SUPPLEMENTAL DATA — ACCOUNT VALUE AND ASSET ROLL FORWARD [1]

	THREE MONTHS ENDED,
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,
	2009			2009			2010			2010			2010
401(k) GROUP ANNUITY ACCOUNT VALUE
Beginning balance	$	13,535		$	15,339		$	16,142		$	17,776		$	16,926
Transfer in of Lifetime Income & Maturity Funding [2]		—			—			194			—			—
Deposits		987			1,038			1,668			1,155			1,108
Surrenders		(723	)		(782	)		(770	)		(706	)		(688	)
Death benefits/annuity payouts		(13	)		(7	)		(16	)		(17	)		(15	)
Net Flows		251			249			882			432			405
Change in market value/change in reserve/interest credited		1,553			554			558			(1,283	)		1,415
Other		—			—			—			1			18
Ending balance	$	15,339		$	16,142		$	17,776		$	16,926		$	18,764
403(b)/457 GROUP ANNUITY ACCOUNT VALUE
Beginning balance	$	9,955		$	10,760		$	11,116		$	11,502		$	11,017
Deposits		280			340			322			314			395
Surrenders		(263	)		(319	)		(264	)		(195	)		(210	)
Death benefits/annuity payouts		(9	)		(12	)		(10	)		(12	)		(11	)
Net Flows		8			9			48			107			174
Change in market value/change in reserve/interest credited		797			347			338			(592	)		680
Other		—			—			—			—			3
Ending balance	$	10,760		$	11,116		$	11,502		$	11,017		$	11,874
401(k)/403(b) MUTUAL FUNDS ASSETS [1]
Beginning balance	$	15,342		$	16,648		$	16,704		$	17,186		$	15,848
Reclassification of Assets Under Administration to Assets Under Mangement [3]		—			—			—			—			1,294
Deposits		535			462			571			504			525
Surrenders		(1,283	)		(779	)		(806	)		(804	)		(596	)
Net Flows		(748	)		(317	)		(235	)		(300	)		(71	)
Change in market value/change in reserve/interest credited		2,054			373			717			(1,037	)		1,552
Other		—			—			—			(1	)		(21	)
Ending balance	$	16,648		$	16,704		$	17,186		$	15,848		$	18,602
TOTAL RETIREMENT
Beginning balance	$	38,832		$	42,747		$	43,962		$	46,464		$	43,791
Transfer in of Lifetime Income & Maturity Funding and Reclassification of Assets Under Adminstration to Assets Under Management [2][3]		—			—			194			—			1,294
Deposits		1,802			1,840			2,561			1,973			2,028
Surrenders		(2,269	)		(1,880	)		(1,840	)		(1,705	)		(1,494	)
Death benefits/annuity payouts		(22	)		(19	)		(26	)		(29	)		(26	)
Net Flows		(489	)		(59	)		695			239			508
Change in market value/change in reserve/interest credited		4,404			1,274			1,613			(2,912	)		3,647
Ending balance	$	42,747		$	43,962		$	46,464		$	43,791		$	49,240

[1]	Excludes Assets Under Administration.
[2]	The Lifetime Income & Maturity Funding business was transferred from Global Annuity to Retirement Plans, effective January 1, 2010, on a prospective basis.
[3]	Identified specific plans that required reclassification from assets under administration (AUA) to assets under management (AUM).

35

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
MUTUAL FUNDS [1]
INCOME STATEMENTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
Mutual fund and other fees	$	137		$	148		$	173		$	174		$	166			21	%		(5	%)	$	370		$	513			39	%
Total fee income		137			148			173			174			166			21	%		(5	%)		370			513			39	%
Net investment income (loss)
Net investment income (loss) on G/A assets		(3	)		(4	)		—			1			—			100	%		(100	%)		(10	)		1		NM
Net investment loss on assigned capital		(2	)		(2	)		(2	)		(3	)		(2	)		—			33	%		(5	)		(7	)		(40	%)
Total net investment loss		(5	)		(6	)		(2	)		(2	)		(2	)		60	%		—			(15	)		(6	)		60	%
Total core revenues		132			142			171			172			164			24	%		(5	%)		355			507			43	%
Net realized capital gains (losses), before tax and DAC, excluded from core revenues		—			—			1			—			(1	)		—			—			—			—			—
Total revenues		132			142			172			172			163			23	%		(5	%)		355			507			43	%
Benefits and Expenses
Other insurance expenses
Commissions & wholesaling expenses		85			85			96			94			86			1	%		(9	%)		234			276			18	%
Operating expenses		25			26			32			33			32			28	%		(3	%)		74			97			31	%
Premium taxes and other expenses		3			4			3			6			13		NM				117	%		13			22			69	%
Subtotal — expenses before deferral		113			115			131			133			131			16	%		(2	%)		321			395			23	%
Deferred policy acquisition costs		(10	)		(10	)		(15	)		(12	)		(10	)		—			17	%		(31	)		(37	)		(19	%)
Total other insurance expense		103			105			116			121			121			17	%		—			290			358			23	%
Amortization of deferred policy acquisition costs		11			12			15			16			16			45	%		—			38			47			24	%
Total benefits and expenses		114			117			131			137			136			19	%		(1	%)		328			404			23	%
Core earnings before income taxes		18			25			40			35			28			56	%		(20	%)		27			103		NM
Income tax expense		7			8			14			13			9			29	%		(31	%)		10			36		NM
Core earnings		11			17			26			22			19			73	%		(14	%)		17			67		NM
Net realized gains (losses), net of tax and DAC, excluded from core earnings [2]		—			—			—			1			(1	)		—		NM				—			—			—
Net income	$	11		$	17		$	26		$	23		$	18			64	%		(22	%)	$	17		$	67		NM
RETURN ON ASSETS (After-tax bps)
Core earnings		11.4			15.9			10.9			9.5			8.3			(27	%)		(13	%)		6.1			9.5			56	%
Net income		11.4			15.9			10.9			9.9			7.9			(31	%)		(20	%)		6.1			9.5			56	%

[1]	The Canadian business and Investment-Only Mutual Funds business were transferred from Global Annuity to Mutual Funds, effective January 1, 2010, on a prospective basis. Additionally, the Proprietary Mutual Funds business was transferred from Global Annuity, Retirement Plans, and Life Insurance to Mutual Funds, effective January 1, 2010, on a prospective basis.
[2]	See pages 11 and 12 for disclosure of the components of net realized gains (losses), net of tax and DAC, for the periods presented herein.

36

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
MUTUAL FUNDS
SUPPLEMENTAL DATA

											Year Over
	THREE MONTHS ENDED										Year			Sequential			NINE MONTHS ENDED
	Sept. 30,		Dec. 31,		March 31,		June 30,		Sept. 30,		3 Month			3 Month			SEPTEMBER 30,
	2009		2009		2010		2010		2010		Change			Change			2009		2010		Change
NON-PROPRIETARY & CANADIAN MUTUAL FUNDS DEPOSITS [1] [2]
Retail Mutual Funds	$	3,111	$	3,131	$	3,428	$	3,444	$	2,505		(19	%)		(27	%)	$	8,436	$	9,377		11	%
Investment Only Mutual Funds [1]		—		—		785		693		424		—			(39	%)		—		1,902		—
529 College Savings Plan/Canada [2]		43		52		196		157		137	NM				(13	%)		142		490	NM
Total Non-Proprietary & Canadian Mutual Funds Deposits	$	3,154	$	3,183	$	4,409	$	4,294	$	3,066		(3	%)		(29	%)	$	8,578	$	11,769		37	%
ASSETS UNDER MANAGEMENT
Retail mutual fund assets	$	40,127	$	42,829	$	45,227	$	41,162	$	44,788		12	%		9	%	$	40,127	$	44,788		12	%
Investment Only mutual fund assets [1]		—		—		5,245		4,919		5,570		—			13	%		—		5,570		—
Proprietary mutual fund assets [3]		—		—		44,403		39,402		41,778		—			6	%		—		41,778		—
529 College Savings Plan/Canada assets [2]		1,123		1,202		2,827		2,678		3,026		169	%		13	%		1,123		3,026		169	%
Total Mutual Fund Assets	$	41,250	$	44,031	$	97,702	$	88,161	$	95,162		131	%		8	%	$	41,250	$	95,162		131	%

[1]	The Investment Only Mutual Funds business was transferred to Mutual Funds from Global Annuity, effective January 1, 2010, on a prospective basis.
[2]	The Canadian business was transferred to Mutual Funds from Global Annuity, effective January 1, 2010, on a prospective basis.
[3]	Includes Company sponsored mutual fund assets that are held in separate accounts supporting variable insurance and investment products.

37

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
MUTUAL FUNDS
SUPPLEMENTAL DATA — ASSET ROLL FORWARD

	THREE MONTHS ENDED
	Sept. 30,			Dec. 31,			March 31,			June 30,			Sept. 30,
	2009			2009			2010			2010			2010
NON-PROPRIETARY & CANADIAN MUTUAL FUNDS
Beginning balance	$	35,693		$	41,250		$	44,031		$	53,299		$	48,759
Transfers in of Investment Only Mutual Funds and Canadian Business [1]		—			—			5,617			—			—
Deposits		3,154			3,183			4,409			4,294			3,066
Redemptions		(2,358	)		(2,554	)		(2,943	)		(3,398	)		(3,229	)
Net Flows		796			629			1,466			896			(163	)
Change in market value		4,788			2,180			2,165			(5,336	)		4,753
Effect of currency translation		—			—			49			(72	)		56
Other [2]		(27	)		(28	)		(29	)		(28	)		(21	)
Ending balance	$	41,250		$	44,031		$	53,299		$	48,759		$	53,384
PROPRIETARY MUTUAL FUNDS [3]
Beginning balance	$	—		$	—		$	—		$	44,403		$	39,402
Transfers in of Insurance Proprietary Mutual Funds		—			—			43,890			—			—
Net Flows		—			—			(1,324	)		(1,140	)		(1,299	)
Change in market value		—			—			1,837			(3,861	)		3,676
Ending balance	$	—		$	—		$	44,403		$	39,402		$	41,779

[1]	The Investment Only Mutual Funds business was transferred to Mutual Funds from Global Annuity, effective January 1, 2010, on a prospective basis. Additionally, the Canadian business was transferred from Global Annuity to Mutual Funds, effective January 1, 2010 on a prospective basis.
[2]	Includes front end loads on A share products.
[3]	Includes Company sponsored mutual fund assets that are held in separate accounts supporting variable insurance and investment products.

38

CORPORATE AND OTHER

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CORPORATE AND OTHER
INCOME STATEMENTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Earned premiums	$	(1	)	$	—		$	1		$	(2	)	$	1		NM			NM			$	(1	)	$	—			100	%
Fee income		61			55			45			52			46			(25	%)		(12	%)		165			143			(13	%)
Net investment income		84			90			79			75			54			(36	%)		(28	%)		254			208			(18	%)
Net realized capital gains (losses)		(63	)		(49	)		(9	)		13			41		NM			NM				(384	)		45		NM
Other revenues		—			(1	)		—			—			—			—			—			5			—			(100	%)
Total revenues		81			95			116			138			142			75	%		3	%		39			396		NM
Benefits, losses and loss adjustment expenses		123			75			2			170			64			(48	%)		(62	%)		319			236			(26	%)
Insurance operating costs and other expenses [1]		111			53			135			88			64			(42	%)		(27	%)		312			287			(8	%)
Interest expense		118			119			120			132			128			8	%		(3	%)		357			380			6	%
Goodwill impairment		—			—			—			153			—			—			(100	%)		32			153		NM
Total benefits and expenses		352			247			257			543			256			(27	%)		(53	%)		1,020			1,056			4	%
Loss before income taxes		(271	)		(152	)		(141	)		(405	)		(114	)		58	%		72	%		(981	)		(660	)		33	%
Income tax benefit [2]		(89	)		(48	)		(23	)		(150	)		(38	)		57	%		75	%		(281	)		(211	)		25	%
Net Loss		(182	)		(104	)		(118	)		(255	)		(76	)		58	%		70	%		(700	)		(449	)		36	%
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core losses [3]		(34	)		(30	)		(14	)		13			25		NM				92	%		(298	)		24		NM
Core losses	$	(148	)	$	(74	)	$	(104	)	$	(268	)	$	(101	)		32	%		62	%	$	(402	)	$	(473	)		(18	%)

[1]	Includes the after-tax restructuring charges of $22, $21 and $10 recorded in the three months ended September 30, 2009, December 31, 2009 and June 30, 2010, respectively.
[2]	The three months ended March 31, 2010 included a tax charge of $19 related to a decrease in deferred tax assets as a result of recent federal legislation that will reduce the tax deduction available to the Company related to retiree health care costs beginning in 2013.
[3]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax and DAC, for the periods presented herein.

39

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CORPORATE AND OTHER
OTHER OPERATIONS
INCOME STATEMENTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			NINE MONTHS ENDED
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			SEPTEMBER 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Earned premiums	$	—		$	(1	)	$	—		$	1		$	—			—			(100	%)	$	1		$	1			—
Net investment income		40			41			41			42			40			—			(5	%)		120			123			2	%
Net realized capital gains (losses)		(10	)		15			(4	)		20			7		NM				(65	%)		(41	)		23		NM
Total revenues		30			55			37			63			47			57	%		(25	%)		80			147			84	%
Losses and loss adjustment expenses [1]		82			37			1			172			63			(23	%)		(63	%)		203			236			16	%
Insurance operating costs and expenses		5			7			8			6			5			—			(17	%)		16			19			19	%
Total benefits and expenses		87			44			9			178			68			(22	%)		(62	%)		219			255			16	%
Income (loss) before income taxes		(57	)		11			28			(115	)		(21	)		63	%		82	%		(139	)		(108	)		22	%
Income tax expense (benefit) [2]		(19	)		1			10			(42	)		(9	)		53	%		79	%		(52	)		(41	)		21	%
Net income (loss)		(38	)		10			18			(73	)		(12	)		68	%		84	%		(87	)		(67	)		23	%
Less: Net realized capital gains (losses), after-tax, excluded from core earnings (losses) [3]		(7	)		11			(4	)		13			6		NM				(54	%)		(27	)		15		NM
Core earnings (losses)	$	(31	)	$	(1	)	$	22		$	(86	)	$	(18	)		42	%		79	%	$	(60	)	$	(82	)		(37	%)

[1]	The three months ended September 30, 2009 included environmental reserve strengthening of $75. The three months ended December 31, 2009 included unallocated loss adjustment expense reserve strengthening of $25. The three months ended June 30, 2010 included net asbestos reserve strengthening of $169. The three months ended September 30, 2010 included net environmental reserve strengthening of $62.
[2]	The three months ended March 31, 2010 included a tax charge of $19 related to a decrease in deferred tax assets as a result of recent federal legislation that will reduce the tax deduction available to the Company related to retiree health care costs beginning in 2013.
[3]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax, for the periods presented herein.

40

CONSOLIDATED
INVESTMENTS

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
INVESTMENT EARNINGS BEFORE-TAX

																Year Over
	Three Months Ended															Year			Sequential			Nine Months Ended
	Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			3 Month			3 Month			September 30,
	2009			2009			2010			2010			2010			Change			Change			2009			2010			Change
Net Investment Income (Loss)
Fixed maturities [1]
Taxable	$	758		$	725		$	743		$	754		$	740			(2	%)		(2	%)	$	2,386		$	2,237			(6	%)
Tax-exempt		125			128			131			133			128			2	%		(4	%)		379			392			3	%
Total fixed maturities		883			853			874			887			868			(2	%)		(2	%)		2,765			2,629			(5	%)
Equity securities, trading		638			751			701			(2,649	)		1,043			63	%	NM				2,437			(905	)	NM
Equity securities, available-for-sale		24			17			14			13			12			(50	%)		(8	%)		76			39			(49	%)
Mortgage loans		82			76			71			67			72			(12	%)		7	%		240			210			(13	%)
Policy loans		36			31			33			35			33			(8	%)		(6	%)		108			101			(6	%)
Limited partnerships and other alternative investments [2]		(32	)		(7	)		6			86			49		NM				(43	%)		(334	)		141		NM
Other [3]		89			101			85			91			78			(12	%)		(14	%)		217			254			17	%
Subtotal		1,720			1,822			1,784			(1,470	)		2,155			25	%	NM				5,509			2,469			(55	%)
Less: Investment expense		33			30			23			26			29			(12	%)		12	%		82			78			(5	%)
Total net investment income	$	1,687		$	1,792		$	1,761		$	(1,496	)	$	2,126			26	%	NM			$	5,427		$	2,391			(56	%)
Less: Equity securities, trading		638			751			701			(2,649	)		1,043			63	%	NM				2,437			(905	)	NM
Total net investment income excluding trading securities	$	1,049		$	1,041		$	1,060		$	1,153		$	1,083			3	%		(6	%)	$	2,990		$	3,296			10	%
Annualized investment yield, before-tax [4]		4.2	%		4.2	%		4.3	%		4.8	%		4.4	%		0.2			(0.4	)		4.0	%		4.5	%		0.5
Annualized investment yield, after-tax [4]		2.9	%		2.9	%		3.0	%		3.3	%		3.1	%		0.2			(0.2	)		2.8	%		3.1	%		0.3
Net Realized Capital Gains (Losses)
Gross gains on sales	$	205		$	486		$	132		$	343		$	179			(13	%)		(48	%)	$	570		$	654			15	%
Gross losses on sales		(104	)		(384	)		(111	)		(94	)		(88	)		15	%		6	%		(1,013	)		(293	)		71	%
Net impairment losses		(536	)		(434	)		(152	)		(108	)		(115	)		79	%		(6	%)		(1,074	)		(375	)		65	%
Valuation allowances on mortgage loans		(40	)		(210	)		(112	)		(40	)		(7	)		83	%		83	%		(193	)		(159	)		18	%
Japanese fixed annuity contract hedges, net [5]		(7	)		19			(16	)		27			11		NM				(59	%)		28			22			(21	%)
Periodic net coupon settlements on credit derivatives/Japan [6]		(7	)		(10	)		(7	)		(4	)		(4	)		43	%		—			(39	)		(15	)		62	%
Results of variable annuity hedge program
GMWB derivatives, net		(190	)		456			129			(426	)		170		NM			NM				1,070			(127	)	NM
Macro hedge		(328	)		(203	)		(164	)		397			(443	)		(35	%)	NM				(692	)		(210	)		70	%
Total results of variable annuity hedge program		(518	)		253			(35	)		(29	)		(273	)		47	%	NM				378			(337	)	NM
Other net gain (loss) [7]		(212	)		86			25			(84	)		36		NM			NM				(473	)		(23	)		95	%
Total net realized capital gains (losses)	$	(1,219	)	$	(194	)	$	(276	)	$	11		$	(261	)		79	%	NM			$	(1,816	)	$	(526	)		71	%

[1]	Includes income on short-term bonds.
[2]	Includes income on real estate joint ventures and hedge fund investments outside of limited partnerships.
[3]	Primarily represents income from derivatives that qualify for hedge accounting and hedge fixed maturities.
[4]	Yields calculated using annualized net investment income (excluding income related to equity securities, trading) divided by the monthly average invested assets at cost, amortized cost, or adjusted carrying value, as applicable, excluding equity securities, trading, securities lending collateral and consolidated variable interest entity non-controlling interests.
[5]	Relates to the Japanese fixed annuity product (product and related derivative hedging instruments excluding periodic net coupon settlements).
[6]	Included in core earnings.
[7]	Primarily consists of losses on Japan 3Win related foreign currency swaps, changes in fair value on non-qualifying derivatives and fixed maturities, at fair value using the fair value option, and other investment gains and losses.

41

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMPOSITION OF INVESTED ASSETS

	September 30,					December 31,					March 31,					June 30,					September 30,
	2009					2009					2010					2010					2010
	Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent
Fixed maturities, available-for-sale, at fair value	$	68,641		53.0	%	$	71,153		56.7	%	$	75,584		59.3	%	$	77,132		60.2	%	$	79,736		59.7	%
Fixed maturities, at fair value using fair value option		—		—			—		—			—		—			—		—			564		0.4	%
Equity securities, trading, at fair value [1]		33,463		25.9	%		32,321		25.7	%		32,053		25.2	%		30,183		23.6	%		32,495		24.3	%
Equity securities, available-for-sale, at fair value		1,397		1.1	%		1,221		1.0	%		1,153		0.9	%		1,103		0.9	%		1,168		0.9	%
Mortgage loans		6,328		4.9	%		5,938		4.7	%		5,162		4.1	%		4,673		3.6	%		4,684		3.5	%
Policy loans, at outstanding balance		2,209		1.7	%		2,174		1.7	%		2,177		1.7	%		2,182		1.7	%		2,180		1.6	%
Limited partnerships and other alternative investments [2]		1,812		1.4	%		1,790		1.4	%		1,736		1.4	%		1,774		1.4	%		1,819		1.4	%
Other investments [3]		1,679		1.3	%		602		0.5	%		941		0.7	%		2,293		1.8	%		1,427		1.1	%
Short-term investments		13,910		10.7	%		10,357		8.3	%		8,545		6.7	%		8,731		6.8	%		9,517		7.1	%
Total investments	$	129,439		100.0	%	$	125,556		100.0	%	$	127,351		100.0	%	$	128,071		100.0	%	$	133,590		100.0	%
Less: Equity securities, trading		33,463		25.9	%		32,321		25.7	%		32,053		25.2	%		30,183		23.6	%		32,495		24.3	%
Total investments excluding trading securities	$	95,976		74.1	%	$	93,235		74.3	%	$	95,298		74.8	%	$	97,888		76.4	%	$	101,095		75.7	%
HIMCO managed third party accounts	$	7,925				$	8,120				$	8,586				$	8,063				$	7,681
Asset-backed securities (“ABS”)	$	2,540		3.7	%	$	2,523		3.5	%	$	2,885		3.8	%	$	3,012		3.9	%	$	3,009		3.8	%
Collateralized debt obligations (“CDOs”)		2,818		4.1	%		2,892		4.1	%		2,790		3.7	%		2,824		3.7	%		2,563		3.2	%
Commercial mortgage-backed securities (“CMBS”)		9,002		13.1	%		8,544		12.0	%		8,716		11.5	%		8,719		11.3	%		8,160		10.2	%
Corporate		34,011		49.5	%		35,243		49.5	%		38,593		51.1	%		38,834		50.4	%		40,851		51.3	%
Foreign government/government agencies		1,071		1.6	%		1,408		2.0	%		1,483		2.0	%		1,716		2.2	%		1,924		2.4	%
Municipal — taxable		1,003		1.5	%		975		1.4	%		1,085		1.4	%		1,101		1.4	%		1,125		1.4	%
Municipal — tax-exempt		10,812		15.8	%		11,090		15.6	%		11,264		14.9	%		11,415		14.8	%		11,598		14.5	%
Residential mortgage-backed securities (“RMBS”)		4,821		7.0	%		4,847		6.8	%		4,389		5.8	%		4,772		6.2	%		5,551		7.0	%
U.S. Treasuries		2,563		3.7	%		3,631		5.1	%		4,379		5.8	%		4,739		6.1	%		4,955		6.2	%
Total fixed maturities, AFS [4]	$	68,641		100.0	%	$	71,153		100.0	%	$	75,584		100.0	%	$	77,132		100.0	%	$	79,736		100.0	%
U.S. government/government agencies	$	6,231		9.1	%	$	7,172		10.1	%	$	7,517		9.9	%	$	8,428		10.9	%	$	9,556		12.0	%
AAA		11,227		16.3	%		11,188		15.7	%		11,047		14.6	%		11,406		14.8	%		11,158		14.0	%
AA		13,019		19.0	%		13,932		19.6	%		14,766		19.6	%		15,357		19.9	%		15,591		19.6	%
A		18,505		27.0	%		18,664		26.2	%		19,598		25.9	%		19,150		24.8	%		19,922		25.0	%
BBB		16,566		24.1	%		17,071		24.0	%		19,092		25.3	%		19,018		24.7	%		20,022		25.0	%
BB & below		3,093		4.5	%		3,126		4.4	%		3,564		4.7	%		3,773		4.9	%		3,487		4.4	%
Total fixed maturities, AFS [4]	$	68,641		100.0	%	$	71,153		100.0	%	$	75,584		100.0	%	$	77,132		100.0	%	$	79,736		100.0	%

[1]	These assets support the International variable annuity business. Changes in these balances are also reflected in the respective liabilities.
[2]	Includes real estate joint ventures and hedge fund investments outside of limited partnerships.
[3]	Primarily relates to derivative instruments.
[4]	Available-for-sale (“AFS”).

42

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
GROSS UNREALIZED LOSS AGING
AVAILABLE-FOR-SALE SECURITIES

	September 30, 2010							December 31, 2009
	Amortized		Fair		Unrealized			Amortized		Fair		Unrealized
	Cost		Value		Loss [1] [2]			Cost		Value		Loss
Total AFS Securities
Three months or less	$	2,758	$	2,691	$	(67	)	$	11,197	$	10,838	$	(359	)
Greater than three months to six months		724		676		(47	)		317		289		(28	)
Greater than six months to nine months		309		290		(20	)		2,940		2,429		(511	)
Greater than nine months to twelve months		760		677		(77	)		2,054		1,674		(380	)
Greater than twelve months		17,754		14,458		(3,243	)		22,445		16,636		(5,809	)
Total	$	22,305	$	18,792	$	(3,454	)	$	38,953	$	31,866	$	(7,087	)

[1]	As of September 30, 2010, fixed maturities, AFS, represented $3,314, or 96%, of the Company’s total unrealized loss on AFS securities. The Company held no securities of a single issuer that were in an unrealized loss position in excess of 5% of the total unrealized loss amount as of September 30, 2010 and December 31, 2009.
[2]	Unrealized losses exclude the fair value of bifurcated embedded derivative features of certain securities. Subsequent changes in value will be recorded in net realized capital gains (losses).

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THE HARTFORD FINANCIAL SERVICES GROUP, INC.
INVESTED ASSET EXPOSURES
AS OF SEPTEMBER 30, 2010

	Cost or				Percent of Total
	Amortized Cost		Fair Value		Invested Assets [1]
Top Ten Corporate and Equity, AFS, Exposures by Sector
Financial services	$	8,639	$	8,400		8.4	%
Utilities		7,017		7,627		7.5	%
Consumer non-cyclical		6,056		6,685		6.6	%
Technology and communications		4,186		4,544		4.5	%
Basic industry		3,527		3,795		3.8	%
Energy		3,282		3,587		3.5	%
Capital goods		3,207		3,521		3.5	%
Consumer cyclical		1,949		2,107		2.1	%
Transportation		855		935		0.9	%
Other		882		818		0.8	%
Total	$	39,600	$	42,019		41.6	%
Top Ten Exposures by Issuer [2]
Government of United Kingdom	$	416	$	449		0.4	%
JPMorgan Chase & Co.		445		428		0.4	%
Berkshire Hathaway Inc.		314		357		0.4	%
AT&T Inc.		292		326		0.3	%
Bank of America Corp.		380		310		0.3	%
Wells Fargo & Co.		337		309		0.3	%
Pfizer Inc.		246		284		0.3	%
Verizon Communications Inc.		257		283		0.3	%
General Electric Co.		336		281		0.3	%
Barclays PLC		288		280		0.3	%
Total	$	3,311	$	3,307		3.3	%

[1]	Excludes equity securities, trading.
[2]	Excludes U.S. government and government agency securities, mortgage obligations issued by government sponsored agencies, cash equivalent securities, exposures resulting from derivative transactions and equity securities, trading.

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