Form 8-K

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
Consolidating 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 December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010 and December 31, 2010		11
Year Ended December 31, 2009 and 2010		12
Unpaid Loss and Loss Adjustment Expense Reserve Rollforward
Three Months Ended December 31, 2010		13
Year Ended December 31, 2010		14

COMMERCIAL MARKETS
Income Statements		15
Property & Casualty Commercial
Operating Results		16
Underwriting Results		17
Group Benefits
Income Statements		18
Supplemental Data		19

CONSUMER MARKETS
Income Statements		20
Operating Results		21
Underwriting Results		22
Written and Earned Premiums		23

WEALTH MANAGEMENT
Operating Results		24
Financial Highlights Excluding Impacts of DAC Unlocks		25
Deferred Policy Acquisition Costs and Present Value of Future Profits		26
Supplemental Data- Annuity Death and Income Benefits		27
Global Annuity
Income Statements		28
Supplemental Data
U.S.-Account Value Rollforward		29
International-Account Value Rollforward		30
Other-Account Value and Asset Rollforward		31
Life Insurance
Income Statements		32
Supplemental Data — Individual Life		33
Account Value Rollforward — Individual Life		34
Account Value and Account Value Rollforward — Private Placement Life Insurance		35
Retirement Plans
Income Statements		36
Supplemental Data
Assets Under Management and Administration		37
Account Value and Asset Rollforward		38
Mutual Funds
Income Statements		39
Supplemental Data
Deposits and Assets Under Management		40
Asset Rollforward		41

CORPORATE AND OTHER
Income Statements		42
Other Operations
Operating Results		43

INVESTMENTS
Investment Earnings Before-tax		44
Composition of Invested Assets
Consolidated		45
Life		46
Property & Casualty		47
Unrealized Loss Aging		48
Invested Asset Exposures
As of December 31, 2010		49

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.

•		The balance sheet and certain balance sheet measures incorporated herein are presented in the Statutory legal entity views for Life and Property & Casualty. Life consists of the Wealth Management division, Group Benefits and an Other category. Property & Casualty consists of the of Property & Casualty Commercial, Other Operations and the Consumer Markets Division. Corporate primarily includes the Company’s debt financing and related interest expense, as well as other capital raising, banking operations and certain purchase accounting adjustment activities.

•		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.

•		Return on assets (“ROA”) is calculated using annualized earnings divided by a two-point average of assets under management.

•		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 capital markets 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.

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 including 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 page 2.

•		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 16 and 21, 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 16 and 21, 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 including 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 credit derivatives and 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.

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 including certain 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 credit derivatives. 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 added back to net income (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			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
HIGHLIGHTS
Net income (loss)	$	557		$	319		$	76		$	666		$	619			11	%		(7	%)	$	(887	)	$	1,680		NM
Core earnings	$	689		$	545		$	92		$	710		$	526			(24	%)		(26	%)	$	796		$	1,873			135	%
Total revenues [1]	$	6,440		$	6,319		$	3,336		$	6,673		$	6,055			(6	%)		(9	%)	$	24,701		$	22,383			(9	%)
Total assets	$	307,717		$	317,282		$	314,150		$	313,926		$	318,346			3	%		1	%

PER SHARE AND SHARES DATA [2]
Basic earnings (losses) per common share
Net income (loss) available to common shareholders	$	1.29		$	(0.42	)	$	0.15		$	1.48		$	1.37			6	%		(7	%)	$	(2.93	)	$	2.70		NM
Core earnings available to common shareholders	$	1.64		$	0.16		$	0.18		$	1.58		$	1.16			(29	%)		(26	%)	$	1.93		$	3.15			63	%
Diluted earnings (losses) per common share
Net income (loss) available to common shareholders	$	1.19		$	(0.42	)	$	0.14		$	1.34		$	1.24			4	%		(7	%)	$	(2.93	)	$	2.49		NM
Core earnings available to common shareholders	$	1.51		$	0.14		$	0.17		$	1.43		$	1.06			(30	%)		(26	%)	$	1.85		$	2.89			56	%
Weighted average common shares outstanding (basic)		382.7			393.7			443.9			444.1			444.3			61.6	sh		0.2	sh		346.3			431.5			85.2	sh
Weighted average common shares outstanding and dilutive potential common shares (diluted)		416.2			428.5			480.2			495.3			497.8			81.6	sh		2.5	sh		361.8			481.5			119.7	sh
Common shares outstanding		383.0			443.9			444.1			444.4			444.5			61.5	sh		0.1	sh		383.0			444.5			61.5	sh
Book value per common share	$	38.92		$	38.94		$	41.29		$	45.80		$	44.44			14	%		(3	%)
Per common share impact of AOCI	$	(8.64	)	$	(5.35	)	$	(3.10	)	$	0.44		$	(2.26	)		74	%	NM
Book value per common share (excluding AOCI)	$	47.56		$	44.29		$	44.39		$	45.36		$	46.70			(2	%)		3	%

Book value per diluted share	$	35.96		$	35.17		$	38.16		$	42.11		$	40.40			12	%		(4	%)
Per diluted share impact of AOCI	$	(7.99	)	$	(4.68	)	$	(2.79	)	$	0.39		$	(2.00	)		75	%	NM
Book value per diluted share (excluding AOCI)	$	43.95		$	39.85		$	40.95		$	41.72		$	42.40			(4	%)		2	%
Common shares outstanding and dilutive potential common shares		414.5			507.3			495.0			496.5			502.7			88.2	sh		6.2	sh

FINANCIAL RATIOS
ROE (net income last 12 months to common stockholder equity including AOCI) [3]		(8.4	%)		0.2	%		0.9	%		6.1	%		6.8	%		15.2			0.7
ROE (core earnings last 12 months to common stockholder equity excluding AOCI) [3]		3.8	%		10.6	%		7.4	%		7.8	%		7.0	%		3.2			(0.8	)
Debt to capitalization, including AOCI		24.6	%		27.8	%		25.9	%		24.0	%		24.5	%		(0.1	)		0.5
Annualized investment yield, after-tax		2.9	%		3.0	%		3.3	%		3.1	%		3.1	%		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 December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010 and December 31, 2010, respectively, and the year ended December 31, 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.

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			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change

Property & Casualty Commercial	$	318		$	242		$	258		$	300		$	202			(36	%)		(33	%)	$	1,036		$	1,002			(3	%)

Group Benefits		79			50			34			44			30			(62	%)		(32	%)		271			158			(42	%)

Commercial Markets core earnings		397			292			292			344			232			(42	%)		(33	%)		1,307			1,160			(11	%)

Consumer Markets core earnings (losses)		62			63			(15	)		69			28			(55	%)		(59	%)		174			145			(17	%)

Global Annuity [1][2]		251			209			(9	)		259			239			(5	%)		(8	%)		(337	)		698		NM

Life Insurance		37			48			60			85			50			35	%		(41	%)		128			243			90	%

Retirement Plans		(1	)		11			10			35			14		NM				(60	%)		(34	)		70		NM

Mutual Funds		17			26			22			19			23			35	%		21	%		34			90			165	%

Wealth Management core earnings (losses) [1][2]		304			294			83			398			326			7	%		(18	%)		(209	)		1,101			NM

Corporate and Other core losses [3][4]		(74	)		(104	)		(268	)		(101	)		(60	)		19	%		41	%		(476	)		(533	)		(12	%)


CONSOLIDATED
Core earnings		689			545			92			710			526			(24	%)		(26	%)		796			1,873			135	%
Add: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings [5][6]		(132	)		(226	)		(16	)		(44	)		93		NM			NM				(1,683	)		(193	)		89	%

Net income (loss)	$	557		$	319		$	76		$	666		$	619			11	%		(7	%)	$	(887	)	$	1,680			NM


PER SHARE DATA [7]
Diluted earnings (losses) per common share
Core earnings available to common shareholders	$	1.51		$	0.14		$	0.17		$	1.43		$	1.06			(30	%)		(26	%)	$	1.85		$	2.89			56	%
Net income (loss) available to common shareholders	$	1.19		$	(0.42	)	$	0.14		$	1.34		$	1.24			4	%		(8	%)	$	(2.93	)	$	2.49			NM


[1]		Includes the after-tax charges of $40 recorded in the year ended December 31, 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]		Included in the three months ended, December 31, 2010 is a benefit of $24, after-tax, related to a true-up of reserves associated with certain non-dollar denominated investor notes.

[3]		Includes an after-tax charge of $32 for goodwill impairments in the year ended December 31, 2009 and an after-tax charge of $47 for a litigation settlement in the three months ended March 31, 2010 and year ended December 31, 2010. Also, includes an after-tax charge of $100 for Goodwill impairments in the three months ended June 30, 2010 and year ended December 31, 2010.

[4]		Includes the after-tax restructuring charges of $97 and $14 recorded in the year ended December 31, 2009 and 2010, respectively.

[5]		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.

[6]		Includes those net realized capital losses not included in core earnings (losses). See page 9 for further analysis.

[7]		See page 8 for the reconciliation of net income (loss) per common share to core earnings (losses) per common share.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
Earned premiums	$	3,504		$	3,527		$	3,506		$	3,513		$	3,509			—			—		$	14,424		$	14,055			(3	%)
Fee income		1,207			1,189			1,195			1,173			1,227			2	%		5	%		4,576			4,784			5	%
Net investment income (loss):
Securities available-for-sale and other		1,041			1,060			1,153			1,083			1,096			5	%		1	%		4,031			4,392			9	%
Equity securities, trading [1]		751			701			(2,649	)		1,043			131			(83	%)		(87	%)		3,188			(774	)	NM

Total net investment income (loss)		1,792			1,761			(1,496	)		2,126			1,227			(32	%)		(42	%)		7,219			3,618			(50	%)
Realized capital gains (losses):
Total other-than-temporary impairment (“OTTI”) losses		(645	)		(340	)		(292	)		(146	)		(74	)		89	%		49	%		(2,191	)		(852	)		61	%
OTTI losses recognized in other comprehensive income		211			188			184			31			15			(93	%)		(52	%)		683			418			(39	%)

Net OTTI losses recognized in earnings		(434	)		(152	)		(108	)		(115	)		(59	)		86	%		49	%		(1,508	)		(434	)		71	%
Net realized capital gains (losses), excluding OTTI losses recognized in earnings		240			(124	)		119			(146	)		31			(87	%)	NM				(502	)		(120	)		76	%

Total net realized capital gains (losses)		(194	)		(276	)		11			(261	)		(28	)		86	%		89	%		(2,010	)		(554	)		72	%
Other revenues		131			118			120			122			120			(8	%)		(2	%)		492			480			(2	%)

Total revenues		6,440			6,319			3,336			6,673			6,055			(6	%)		(9	%)		24,701			22,383			(9	%)

Benefits, losses and loss adjustment expenses		3,032			3,133			3,592			3,037			3,263			8	%		7	%		13,831			13,025			(6	%)
Benefits, losses and loss adjustment expenses — returns credited on International variable annuities [1]		751			701			(2,649	)		1,043			131			(83	%)		(87	%)		3,188			(774	)	NM
Amortization of deferred policy acquisition costs and present value of future profits		647			651			938			438			517			(20	%)		18	%		4,267			2,544			(40	%)
Insurance operating costs and expenses		1,163			1,179			1,177			1,105			1,202			3	%		9	%		4,635			4,663			1	%
Interest expense		119			120			132			128			128			8	%		—			476			508			7	%
Goodwill impairment		—			—			153			—			—			—			—			32			153		NM

Total benefits and expenses		5,712			5,784			3,343			5,751			5,241			(8	%)		(9	%)		26,429			20,119			(24	%)

Income (loss) before income taxes		728			535			(7	)		922			814			12	%		(12	%)		(1,728	)		2,264			NM

Income tax expense (benefit)		171			216			(83	)		256			195			14	%		(24	%)		(841	)		584		NM


Net income (loss)		557			319			76			666			619			11	%		(7	%)		(887	)		1,680			NM

Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings [2]		(132	)		(226	)		(16	)		(44	)		93		NM			NM				(1,683	)		(193	)		89	%


Core earnings	$	689		$	545		$	92		$	710		$	526			(24	%)		(26	%)	$	796		$	1,873			135	%


[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.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATING BALANCE SHEETS
AS OF DECEMBER 31, 2009 AND 2010


	LIFE [1]								PROPERTY & CASUALTY [1]									CORPORATE									CONSOLIDATED
	Dec. 31,			Dec. 31,					Dec. 31,			Dec. 31,						Dec. 31,			Dec. 31,						Dec. 31,			Dec. 31,
	2009			2010		Change			2009			2010			Change			2009			2010			Change			2009			2010			Change
Investments
Fixed maturities, available-for-sale, at fair value	$	46,912		$	52,429		12	%	$	23,911		$	25,114			5	%	$	330		$	277			(16	%)	$	71,153		$	77,820			9	%
Fixed maturities, at fair value using the fair value option		—			639	NM				—			10		NM				—			—			—			—			649		NM
Equity securities, trading, at fair value		32,321			32,820		2	%		—			—			—			—			—			—			32,321			32,820			2	%
Equity securities, available-for-sale, at fair value		680			502		(26	%)		453			374			(17	%)		88			97			10	%		1,221			973			(20	%)
Mortgage loans		5,002			3,915		(22	%)		671			372			(45	%)		265			202			(24	%)		5,938			4,489			(24	%)
Policy loans, at outstanding balance		2,174			2,181		—			—			—			—			—			—			—			2,174			2,181			—
Limited partnerships and other alternative investments		845			957		13	%		945			961			2	%		—			—			—			1,790			1,918			7	%
Other investments		457			1,486	NM				93			83			(11	%)		52			48			(8	%)		602			1,617			169	%
Short-term investments		7,079			5,631		(20	%)		1,283			1,117			(13	%)		1,995			1,780			(11	%)		10,357			8,528			(18	%)
Total investments		95,470			100,560		5	%		27,356			28,031			2	%		2,730			2,404			(12	%)		125,556			130,995			4	%

Cash		1,898			1,809		(5	%)		240			250			4	%		4			3			(25	%)		2,142			2,062			(4	%)
Premiums receivable and agents’ balances		396			362		(9	%)		3,008			2,911			(3	%)		—			—			—			3,404			3,273			(4	%)
Reinsurance recoverables		2,190			1,991		(9	%)		3,194			2,871			(10	%)		—			—			—			5,384			4,862			(10	%)
Deferred policy acquisition costs and present value of future profits		9,423			8,594		(9	%)		1,263			1,263			—			—			—			—			10,686			9,857			(8	%)
Deferred income taxes		1,679			1,786		6	%		1,468			966			(34	%)		793			973			23	%		3,940			3,725			(5	%)
Goodwill		470			470		—			149			149			—			585			432			(26	%)		1,204			1,051			(13	%)
Property and equipment, net		322			398		24	%		685			729			6	%		19			23			21	%		1,026			1,150			12	%
Other assets		2,492			573		(77	%)		1,039			952			(8	%)		450			104			(77	%)		3,981			1,629			(59	%)
Separate account assets		150,394			159,742		6	%		—			—			—			—			—			—			150,394			159,742			6	%


Total assets	$	264,734		$	276,285		4	%	$	38,402		$	38,122			(1	%)	$	4,581		$	3,939			(14	%)	$	307,717		$	318,346			3	%


Future policy benefits, unpaid losses and loss adjustment expenses	$	17,980		$	18,573		3	%	$	21,651		$	21,025			(3	%)	$	—		$	—			—		$	39,631		$	39,598			—
Other policyholder funds and benefits payable		45,852			44,550		(3	%)		—			—			—			—			—			—			45,852			44,550			(3	%)
Other policyholder funds and benefits payable — International variable annuities		32,296			32,793		2	%		—			—			—			—			—			—			32,296			32,793			2	%
Unearned premiums		168			173		3	%		5,055			5,005			(1	%)		(2	)		(2	)		—			5,221			5,176			(1	%)
Debt		68			—		(100	%)		—			—			—			5,771			6,607			14	%		5,839			6,607			13	%
Consumer notes		1,136			382		(66	%)		—			—			—			—			—			—			1,136			382			(66	%)
Other liabilities		5,284			5,604		6	%		2,113			1,756			(17	%)		2,057			1,827			(11	%)		9,454			9,187			(3	%)
Separate account liabilities		150,394			159,742		6	%		—			—			—			—			—			—			150,394			159,742			6	%

Total liabilities		253,178			261,817		3	%		28,819			27,786			(4	%)		7,826			8,432			8	%		289,823			298,035			3	%


Common equity, excluding AOCI		13,254			14,247		7	%		10,103			10,379			3	%		(5,140	)		(3,870	)		25	%		18,217			20,756			14	%
Preferred stock		—			—		—			—			—			—			2,960			556			(81	%)		2,960			556			(81	%)
AOCI, net of tax		(1,727	)		221	NM				(520	)		(43	)		92	%		(1,065	)		(1,179	)		(11	%)		(3,312	)		(1,001	)		70	%

Total stockholders’ equity		11,527			14,468		26	%		9,583			10,336			8	%		(3,245	)		(4,493	)		(38	%)		17,865			20,311			14	%
Noncontrolling Interest		29			—		(100	%)		—			—			—			—			—			—			29			—			(100	%)

Total equity		11,556			14,468		25	%		9,583			10,336			8	%		(3,245	)		(4,493	)		(38	%)		17,894			20,311			14	%


Total liabilities and equity	$	264,734		$	276,285		4	%	$	38,402		$	38,122			(1	%)	$	4,581		$	3,939			(14	%)	$	307,717		$	318,346			3	%


[1]		Please refer to the basis of presentation for a description of Life and Property and Casualty.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CAPITAL STRUCTURE


																Year Over
	THREE MONTHS ENDED															Year			Sequential
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month
	2009			2010			2010			2010			2010			Change			Change
DEBT
Short-term debt (includes current maturities of long-term debt and capital lease obligations)	$	343		$	275		$	—		$	—		$	400			17	%	NM
Senior notes		3,779			4,877			4,879			4,880			4,480			19	%		(8	%)
Junior subordinated debentures		1,717			1,720			1,721			1,723			1,727			1	%		—

Total debt [1]	$	5,839		$	6,872		$	6,600		$	6,603		$	6,607			13	%		—


STOCKHOLDERS’ EQUITY
Common stockholders’ equity, excluding AOCI, net of tax	$	18,217		$	19,661		$	19,714		$	20,159		$	20,756			14	%		3	%
Preferred stock		2,960			556			556			556			556			(81	%)		—
AOCI, net of tax		(3,312	)		(2,377	)		(1,379	)		194			(1,001	)		70	%	NM


Total stockholders’ equity	$	17,865		$	17,840		$	18,891		$	20,909		$	20,311			14	%		(3	%)


CAPITALIZATION
Total capitalization, including AOCI, net of tax	$	23,704		$	24,712		$	25,491		$	27,512		$	26,918			14	%		(2	%)

Total capitalization, excluding AOCI, net of tax	$	27,016		$	27,089		$	26,870		$	27,318		$	27,919			3	%		2	%


DEBT TO CAPITALIZATION RATIOS [1]
Total debt to capitalization, including AOCI		24.6	%		27.8	%		25.9	%		24.0	%		24.5	%		(0.1	)		0.5

Total debt to capitalization, excluding AOCI		21.6	%		25.4	%		24.6	%		24.2	%		23.7	%		2.1			(0.5	)

Total rating agency adjusted debt to capitalization [2] [3] [4]		31.9	%		26.0	%		29.7	%		27.6	%		28.5	%		(3.4	)		0.9


[1]		The Hartford excludes consumer notes from total debt for capital structure analysis. Consumer notes were $1,136, $834, $452, $384 and $382 as of December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010 and December 31, 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 $1.5 billion, $1.4 billion, $1.4 billion, $1.4 billion and $1.5 billion for the three months ended December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010 and December 31, 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 December 31, 2010, the impact on total adjusted debt to capitalization of the change in equity credit from 75% to 25% is 4.0 percentage points and the impact of the AOCI change is (0.2) percentage points. 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.

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


	THREE MONTHS ENDED															YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			DECEMBER 31,
	2009			2010			2010			2010			2010			2009			2010
Numerator:
Net income (loss)	$	557		$	319		$	76		$	666		$	619		$	(887	)	$	1,680
Less: MCP preferred dividends		—			1			11			10			11			—			33
Less: CPP preferred dividends and accretion of discount		62			482			—			—			—			127			482

Net income (loss) available to common shareholders		495			(164	)		65			656			608			(1,014	)		1,165
Add: Impact of assumed conversion of preferred shares to common [4]		—			—			—			10			11			—			33

Net income (loss) available to common shareholders and assumed conversion of preferred shares		495			(164	)		65			666			619			(1,014	)		1,198

Net income (loss) available to common shareholders		495			(164	)		65			656			608			(1,014	)		1,165
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings [1]		(132	)		(226	)		(16	)		(44	)		93			(1,683	)		(193	)

Core earnings available to common shareholders	$	627		$	62		$	81		$	700		$	515		$	669		$	1,358
Add: Impact of assumed conversion of preferred shares to common [4]		—			—			—			10			11			—			33

Core earnings available to common shareholders and assumed conversion of preferred shares		627			62			81			710			526			669			1,391

Denominator:
Weighted average common shares outstanding (basic)		382.7			393.7			443.9			444.1			444.3			346.3			431.5
Dilutive effect of stock compensation		1.3			1.2			1.1			1.4			1.3			0.9			1.3
Dilutive effect of CPP Warrants [2]		32.0			32.3			32.6			29.0			31.4			14.6			31.3
Dilutive effect of Allianz warrants [3]		0.2			1.3			2.6			—			—			—			1.0

Weighted average common shares outstanding and dilutive potential common shares (diluted), before assumed conversion of preferred shares		416.2			428.5			480.2			474.5			477.0			361.8			465.1
Dilutive effect of assumed conversion of MCP [4]		—			—			—			20.8			20.8			—			16.4

Weighted average common shares outstanding and dilutive potential common shares (diluted) and assumed conversion of preferred shares		416.2			428.5			480.2			495.3			497.8			361.8			481.5

Basic earnings (losses) per common share
Net income (loss) available to common shareholders	$	1.29		$	(0.42	)	$	0.15		$	1.48		$	1.37		$	(2.93	)	$	2.70
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings, and MCP preferred dividends		(0.35	)		(0.58	)		(0.03	)		(0.10	)		0.21			(4.86	)		(0.45	)

Core earnings available to common shareholders		1.64			0.16			0.18			1.58			1.16			1.93			3.15

Diluted earnings (losses) per common share [5]
Net income (loss) available to common shareholders	$	1.19		$	(0.42	)	$	0.14		$	1.38		$	1.27		$	(2.93	)	$	2.50
Add: Impact of assumed conversion of preferred shares to common [4]		—			—			—			(0.04	)		(0.03	)		—			(0.01	)

Net income (loss) available to common shareholders and assumed conversion of preferred shares		1.19			(0.42	)		0.14			1.34			1.24			(2.93	)		2.49

Net income (loss) available to common shareholders	$	1.19		$	(0.42	)	$	0.14		$	1.38		$	1.27		$	(2.93	)	$	2.50
Add: Difference arising from shares used for the denominator between net loss and core earnings		—			0.03			—			—			—			0.13			—
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings		(0.32	)		(0.53	)		(0.03	)		(0.10	)		0.19			(4.65	)		(0.42	)

Core earnings available to common shareholders		1.51			0.14			0.17			1.48			1.08			1.85			2.92
Add: Impact of assumed conversion of preferred shares to common [4]		—			—			—			(0.05	)		(0.02	)		—			(0.03	)

Core earnings available to common shareholders and assumed conversion of preferred shares		1.51			0.14			0.17			1.43			1.06			1.85			2.89


[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.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change

Net Realized Capital Gains (Losses), After-Tax and DAC

Gains/losses on sales, net	$	68		$	(29	)	$	150		$	88		$	(29	)	NM			NM			$	(227	)	$	180		NM
Net impairment losses		(276	)		(116	)		(62	)		(104	)		(38	)		86	%		63	%		(960	)		(320	)		67	%
Japanese fixed annuity contract hedges, net [1]		12			(10	)		17			7			4			(67	%)		(43	%)		30			18			(40	%)
Results of variable annuity hedge program
GMWB derivatives, net		297			84			(235	)		132			126			(58	%)		(5	%)		722			107			(85	%)
Macro hedge program		(142	)		(75	)		193			(187	)		(79	)		44	%		58	%		(673	)		(148	)		78	%

Total results of variable annuity hedge program		155			9			(42	)		(55	)		47			(70	%)	NM				49			(41	)	NM
Other net gain (loss) [2]		(99	)		(81	)		(78	)		20			118		NM			NM				(612	)		(21	)		97	%


Total net realized capital gains (losses), after-tax and DAC	$	(140	)	$	(227	)	$	(15	)	$	(44	)	$	102			NM			NM		$	(1,720	)	$	(184	)		89	%

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	$	(140	)	$	(227	)	$	(15	)	$	(44	)	$	102		NM			NM			$	(1,720	)	$	(184	)		89	%
Less: total net realized capital gains (losses) included in core earnings (losses)		(8	)		(1	)		1			—			9		NM			NM				(37	)		9		NM

Total net realized capital losses, after tax and DAC, excluded from core earnings (losses)	$	(132	)	$	(226	)	$	(16	)	$	(44	)	$	93			NM			NM		$	(1,683	)	$	(193	)		89	%


[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 $(8), $3, $(8), $(12) and $8 would have been recognized as an adjustment to this amount in the three months ended December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010 and December 31, 2010, respectively, and an estimated realized loss of $8 and $12 would have been recognized as an adjustment to this amount in the year ended December 31, 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 year ended December 31, 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.

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


	THREE MONTHS ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,
	2009			2010			2010			2010			2010

Numerator [1]:
Net income (loss) available to common shareholders — last 12 months	$	(1,014	)	$	32		$	126		$	1,074		$	1,198
Core earnings (losses) available to common shareholders — last 12 months	$	669		$	1,907		$	1,380		$	1,492		$	1,391

Denominator [2]:
Average common stockholders’ equity, including AOCI		12,086.5			12,850.0			14,706.0			17,712.5			17,608.0
Less: Average AOCI		(5,416.0	)		(5,089.0	)		(3,994.5	)		(1,511.5	)		(2,156.5	)

Average common stockholders’ equity, excluding AOCI		17,502.5			17,939.0			18,700.5			19,224.0			19,764.5

ROE (net income (loss) last 12 months to common stockholders’ equity, including AOCI) [3]		(8.4	%)		0.2	%		0.9	%		6.1	%		6.8	%
ROE (core earnings (losses) last 12 months to common stockholders’ equity, excluding AOCI) [3]		3.8	%		10.6	%		7.4	%		7.8	%		7.0	%


[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 added back to net income (loss) available to common shareholders and core earnings (losses) available to common shareholders.

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			Global						Retirement			Mutual			Total Wealth			Corporate and
	Commercial			Benefits			Markets			Markets			Annuity			Life Insurance			Plans			Funds			Management			Other			Consolidated
*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	)	$	11		$	2		$	(1	)	$	(316	)	$	42		$	(264	)
Less: Impacts of DAC		—			—			—			—			(202	)		(8	)		10			—			(200	)		2			(198	)
Less: Impacts of tax		3			(2	)		1			—			(42	)		7			(3	)		—			(38	)		15			(22	)

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	)


*Three months ended December 31, 2010*

Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	17		$	16		$	33		$	3		$	(151	)	$	(21	)	$	(7	)	$	69		$	(110	)	$	36		$	(38	)
Less: Impacts of DAC		—			—			—			—			(192	)		(2	)		1			—			(193	)		2			(191	)
Less: Impacts of tax		6			6			12			1			17			(7	)		(3	)		27			34			13			60

Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	11		$	10		$	21		$	2		$	24		$	(12	)	$	(5	)	$	42		$	49		$	21		$	93


[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.

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			Global						Retirement			Mutual		Total Wealth			Corporate
	Commercial			Benefits			Markets			Markets			Annuity			Life Insurance			Plans			Funds		Management			and Other			Consolidated

*Year ended December 31, 2009*

Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	(203	)	$	(121	)	$	(324	)	$	(50	)	$	(679	)	$	(148	)	$	(326	)	$	—	$	(1,153	)	$	(425	)	$	(1,952	)
Less: Impacts of DAC		—			—			—			—			585			(13	)		(37	)		—		535			(14	)		521
Less: Impacts of tax		(66	)		(43	)		(109	)		(16	)		(435	)		(46	)		(101	)		—		(582	)		(83	)		(790	)

Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(137	)	$	(78	)	$	(215	)	$	(34	)	$	(829	)	$	(89	)	$	(188	)	$	—	$	(1,106	)	$	(328	)	$	(1,683	)


*Year ended December 31, 2010*

Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	14		$	49		$	63		$	2		$	(787	)	$	22		$	(12	)	$	69	$	(708	)	$	85		$	(558	)
Less: Impacts of DAC		—			—			—			—			(402	)		(17	)		8			—		(411	)		6			(405	)
Less: Impacts of tax		21			22			43			4			(91	)		20			3			27		(41	)		34			40

Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(7	)	$	27		$	20		$	(2	)	$	(294	)	$	19		$	(23	)	$	42	$	(256	)	$	45		$	(193	)


[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.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
Property and Casualty Insurance Product [1]
UNPAID LOSS AND LOSS ADJUSTMENT EXPENSE RESERVE ROLLFORWARD


	For the year ended December 31, 2010
	Property &									Total Property
	Casualty			Consumer			Corporate			and Casualty
	Commercial			Markets			and Other			Insurance
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	15,051		$	2,109		$	4,491		$	21,651
Reinsurance and other recoverables		2,570			11			860			3,441

Beginning liabilities for unpaid losses and loss adjustment expenses, net		12,481			2,098			3,631			18,210

Provision for unpaid losses and loss adjustment expenses
Current accident year before catastrophes		3,579			2,737			—			6,316
Current accident year catastrophes		152			300			—			452
Prior accident years		(361	)		(86	)		251			(196	)

Total provision for unpaid losses and loss adjustment expenses		3,370			2,951			251			6,572

Payments		(3,485	)		(2,889	)		(460	)		(6,834	)


Ending liabilities for unpaid losses and loss adjustment expenses, net [2]		12,366			2,160			3,422			17,948
Reinsurance and other recoverables		2,361			17			699			3,077

Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	14,727		$	2,177		$	4,121		$	21,025


[1]		Please refer to the basis of presentation for a description of Property and Casualty Insurance.

[2]		Total recorded net reserves, excluding asbestos and environmental reserves, were higher than the actuarial indication of the reserves by 3.2% as of December 31, 2010.

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


												Year Over
	THREE MONTHS ENDED											Year			Sequential			YEAR ENDED
	Dec. 31,		Mar. 31,			Jun. 30,		Sept. 30,		Dec. 31,		3 Month			3 Month			DECEMBER 31,
	2009		2010			2010		2010		2010		Change			Change			2009			2010		Change

Earned premiums	$	2,498	$	2,513		$	2,477	$	2,482	$	2,496		—			1	%	$	10,212		$	9,968		(2	%)
Fee income		11		13			12		15		14		27	%		(7	%)		41			54		32	%
Net investment income		318		330			356		334		348		9	%		4	%		1,162			1,368		18	%
Other revenues		88		75			80		82		71		(19	%)		(13	%)		334			308		(8	%)
Net realized capital gains (losses)		92		(22	)		38		5		30		(67	%)	NM				(337	)		51	NM

Total revenues		3,007		2,909			2,963		2,918		2,959		(2	%)		1	%		11,412			11,749		3	%

Losses and loss adjustment expenses		1,478		1,690			1,645		1,599		1,767		20	%		11	%		6,462			6,701		4	%
Amortization of deferred policy acquisition costs		358		356			355		353		350		(2	%)		(1	%)		1,454			1,414		(3	%)
Insurance operating costs and other expenses		498		479			520		475		503		1	%		6	%		1,986			1,977		—

Total benefits and expenses		2,334		2,525			2,520		2,427		2,620		12	%		8	%		9,902			10,092		2	%

Income before income taxes		673		384			443		491		339		(50	%)		(31	%)		1,510			1,657		10	%

Income tax expense		213		127			125		139		86		(60	%)		(38	%)		418			477		14	%


Net income		460		257			318		352		253		(45	%)		(28	%)		1,092			1,180		8	%

Less: Net realized capital gains (losses), after-tax, excluded from core earnings [1]		63		(35	)		26		8		21		(67	%)		163	%		(215	)		20	NM


Core earnings	$	397	$	292		$	292	$	344	$	232		(42	%)		(33	%)	$	1,307		$	1,160		(11	%)


[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.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
UNDERWRITING RESULTS
Written premiums	$	1,399		$	1,512		$	1,388		$	1,447		$	1,449			4	%		—		$	5,715		$	5,796			1	%
Change in unearned premium reserve		(41	)		88			(27	)		8			(17	)		59	%	NM				(188	)		52		NM

Earned premiums		1,440			1,424			1,415			1,439			1,466			2	%		2	%		5,903			5,744			(3	%)

Losses and loss adjustment expenses
Current accident year before catastrophes [1]		856			891			855			888			945			10	%		6	%		3,582			3,579			—
Current accident year catastrophes		(2	)		38			83			13			18		NM				38	%		78			152			95	%
Prior accident years [2]		(148	)		(82	)		(139	)		(118	)		(22	)		85	%		81	%		(394	)		(361	)		8	%

Total losses and loss adjustment expenses		706			847			799			783			941			33	%		20	%		3,266			3,370			3	%

Underwriting expenses [3]		441			436			466			434			443			—			2	%		1,792			1,779			(1	%)
Dividends to policyholders [4]		(5	)		(8	)		4			4			5		NM				25	%		10			5			(50	%)

Underwriting results		298			149			146			218			77			(74	%)		(65	%)		835			590			(29	%)


Net investment income		213			223			246			227			243			14	%		7	%		759			939			24	%
Periodic net coupon settlements on credit derivatives, before-tax		(2	)		(2	)		(2	)		(3	)		(2	)		—			33	%		(10	)		(9	)		10	%
Other expenses [5]		(42	)		(33	)		(29	)		(18	)		(47	)		(12	%)		(161	%)		(123	)		(127	)		(3	%)
Income tax expense		(149	)		(95	)		(103	)		(124	)		(69	)		54	%		44	%		(425	)		(391	)		8	%

Core earnings		318			242			258			300			202			(36	%)		(33	%)		1,036			1,002			(3	%)

Add: Net realized capital gains (losses), after-tax [6]		97			(36	)		12			6			11			(89	%)		83	%		(137	)		(7	)		95	%


Net income	$	415		$	206		$	270		$	306		$	213			(49	%)		(30	%)	$	899		$	995			11	%


[1]		The three months ended December 31, 2009 included current accident year reserve releases of $15, primarily related to professional liability and workers’ compensation claims, offset by current accident year reserve strengthening of $5, primarily related to general liability claim. The three months ended December 31, 2010 includes current accident year reserve strengthening of $44, primarily related to workers’ compensation claims, package business and programs, which principally reflects actual pricing increases that were less than planned.

[2]		Included within prior accident years development were the following reserve strengthenings (releases):


	THREE MONTHS ENDED															YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			DECEMBER 31,
	2009			2010			2010			2010			2010			2009			2010
Auto liability	$	(39	)	$	(9	)	$	(16	)	$	(26	)	$	(3	)	$	(47	)	$	(54	)
Workers’ compensation		—			(9	)		(10	)		(34	)		(17	)		(92	)		(70	)
Package business		—			(10	)		1			(11	)		1			38			(19	)
General liability, umbrella and high hazard liability		(27	)		(24	)		(18	)		(19	)		(5	)		(112	)		(66	)
General liability, excluding umbrella and high hazard liability		—			9			(14	)		(28	)		(9	)		—			(42	)
Professional liability		(53	)		(18	)		(61	)		(8	)		(1	)		(127	)		(88	)
Fidelity & Surety		—			(4	)		(5	)		—			4			28			(5	)
Commercial Property					(12	)		(2	)		1			(3	)		0			(16	)
Uncollectible reinsurance		—			—			(30	)		—			—			(20	)		(30	)
Discount accretion on workers’ compensation		6			7			6			7			6			24			26
Catastrophes		(7	)		(4	)		4			1			—			(23	)		1
Other reserve re-estimates, net		(28	)		(8	)		6			(1	)		5			(63	)		2

Total prior accident years development	$	(148	)	$	(82	)	$	(139	)	$	(118	)	$	(22	)	$	(394	)	$	(361	)

In the three months ended December 31, 2010, released reserves for workers’ compensation business, primarily related to accident years 2006 and 2007. Management updated reviews of state reforms affecting these accident years and determined impacts to be more favorable than previously estimated. Accordingly, management reduced reserve estimates for these years.


[3]		The year ended December 31, 2009 included a $7 reduction to an assessment from the Texas Windstorm Insurance Association (“TWIA”). The year ended December 31, 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.

[4]		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.

[5]		The three months ended December 31, 2009 included a $2 increase in litigation reserves and a $9 increase in estimated non-income tax liabilities.

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

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
UNDERWRITING RESULTS
Written premiums	$	1,399		$	1,512		$	1,388		$	1,447		$	1,449			4	%		—		$	5,715		$	5,796			1	%
Change in unearned premium reserve		(41	)		88			(27	)		8			(17	)		59	%	NM				(188	)		52		NM

Earned premiums		1,440			1,424			1,415			1,439			1,466			2	%		2	%		5,903			5,744			(3	%)

Losses and loss adjustment expenses
Current accident year before catastrophes [1]		856			891			855			888			945			10	%		6	%		3,582			3,579			—
Current accident year catastrophes		(2	)		38			83			13			18		NM				38	%		78			152			95	%
Prior accident years [2]		(148	)		(82	)		(139	)		(118	)		(22	)		85	%		81	%		(394	)		(361	)		8	%

Total losses and loss adjustment expenses		706			847			799			783			941			33	%		20	%		3,266			3,370			3	%

Underwriting expenses [3]		441			436			466			434			443			—			2	%		1,792			1,779			(1	%)
Dividends to policyholders [4]		(5	)		(8	)		4			4			5		NM				25	%		10			5			(50	%)

Underwriting results	$	298		$	149		$	146		$	218		$	77			(74	%)		(65	%)	$	835		$	590			(29	%)


UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes [1]		59.6			62.6			60.3			61.8			64.4			(4.8	)		(2.6	)		60.7			62.3			(1.6	)
Current accident year catastrophes		(0.2	)		2.7			5.9			0.9			1.2			(1.4	)		(0.3	)		1.3			2.7			(1.4	)
Prior accident years [2] [5]		(10.3	)		(5.8	)		(9.9	)		(8.2	)		(1.5	)		(8.8	)		(6.7	)		(6.7	)		(6.3	)		(0.4	)

Total losses and loss adjustment expenses		49.1			59.5			56.4			54.5			64.2			(15.1	)		(9.7	)		55.3			58.7			(3.4	)

Expenses		30.6			30.6			33.0			30.1			30.2			0.4			(0.1	)		30.4			31.0			(0.6	)
Policyholder dividends		(0.4	)		(0.6	)		0.3			0.3			0.3			(0.7	)		—			0.2			0.1			0.1


Combined ratio		79.4			89.6			89.6			84.9			94.7			(15.3	)		(9.8	)		85.9			89.7			(3.8	)


Catastrophes
Current year		(0.2	)		2.7			5.9			0.9			1.2			(1.4	)		(0.3	)		1.3			2.7			(1.4	)
Prior year		(0.4	)		(0.3	)		0.3			—			—			(0.4	)		—			(0.4	)		—			(0.4	)

Catastrophe ratio		(0.6	)		2.4			6.2			0.9			1.3			(1.9	)		(0.4	)		0.9			2.7			(1.8	)


Combined ratio before catastrophes		80.0			87.2			83.5			84.0			93.5			(13.5	)		(9.5	)		84.9			87.1			(2.2	)

Combined ratio before catastrophes and prior year development		89.8			92.7			93.6			92.2			95.0			(5.2	)		(2.8	)		91.2			93.4			(2.2	)


STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)

Standard Commercial Lines Renewal Written Price Increases/(Decreases) [5]		—			1	%		1	%		1	%		1	%		1	%		—			(1	%)		1	%		2	%

Standard Commercial Lines Policy Count Retention [6]		83	%		85	%		83	%		83	%		83	%		—			—			81	%		84	%		3	%

New Business Premium $	$	278		$	297		$	276		$	279		$	270			(3	%)		(3	%)	$	1,101		$	1,122			2	%

Standard Commercial Lines Policies in Force [6]		1,159,759			1,174,369			1,191,477			1,201,862			1,211,047			4	%		1	%


[1]		The three months ended December 31, 2009 included current accident year reserve releases of $15, or 1.0 points, primarily related to professional liability and workers’ compensation claims, offset by current accident year reserve strengthening of $5, or 0.3 points, primarily related to general liability claim. The three months ended December 31, 2010 includes current accident year reserve strengthening of $44, or 3.0 points, primarily related to workers’ compensation claims, package business and programs, which principally reflects actual pricing increases that were less than planned.

[2]		Please refer to footnote 2 on page 16 to see what reserve strengthenings (releases) are included within prior accident years development.

[3]		The year ended December 31, 2009 included a $7 reduction to an assessment from the Texas Windstorm Insurance Association (“TWIA”). The year ended December 31, 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.

[4]		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.

[5]		Included in the prior year losses and loss adjustment expenses ratio is prior accident year development on catastrophe losses.

[6]		Standard commercial lines consist of The Hartford’s small commercial and middle market lines of business.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec 31,			March 31,			June 30,			Sept. 30,			Dec 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
Direct premiums	$	1,047		$	1,079		$	1,060		$	1,036		$	1,025			(2	%)		(1	%)	$	4,249		$	4,200			(1	%)
Reinsurance premiums		11			10			2			7			5			(55	%)		(29	%)		60			24			(60	%)

Net premiums		1,058			1,089			1,062			1,043			1,030			(3	%)		(1	%)		4,309			4,224			(2	%)

ASO fees		10			10			9			10			10			—			—			40			39			(3	%)
Other fees		1			3			3			5			4		NM				(20	%)		1			15		NM

Total fee income		11			13			12			15			14			27	%		(7	%)		41			54			32	%

Total premiums and other considerations		1,069			1,102			1,074			1,058			1,044			(2	%)		(1	%)		4,350			4,278			(2	%)

Net investment income
Net investment income on G/A assets		96			99			101			96			95			(1	%)		(1	%)		365			391			7	%
Net investment income on assigned capital		9			8			9			11			10			11	%		(9	%)		38			38			—

Total net investment income		105			107			110			107			105			—			(2	%)		403			429			6	%
Net realized capital losses — core		(1	)		(1	)		—			(1	)		(1	)		—			—			(3	)		(3	)		—

Total core revenues		1,173			1,208			1,184			1,164			1,148			(2	%)		(1	%)		4,750			4,704			(1	%)
Net realized gains (losses), before tax and DAC, excluded from core revenues		(53	)		10			23			—			16		NM				—			(121	)		49		NM

Total revenues		1,120			1,218			1,207			1,164			1,164			4	%		—			4,629			4,753			3	%

Benefits and Expenses
Benefits and losses
Death benefits		314			335			300			296			286			(9	%)		(3	%)		1,285			1,217			(5	%)
Other contract benefits		461			460			445			479			481			4	%		—			1,830			1,865			2	%
Change in reserve		(3	)		48			101			41			59		NM				44	%		81			249		NM

Total benefits and losses		772			843			846			816			826			7	%		1	%		3,196			3,331			4	%

Other insurance expenses
Commissions & wholesaling expenses		138			144			138			139			125			(9	%)		(10	%)		565			546			(3	%)
Operating expenses		132			133			129			127			133			1	%		5	%		541			522			(4	%)
Premium taxes and other expenses		17			22			24			22			25			47	%		14	%		72			93			29	%

Subtotal — expenses before deferral		287			299			291			288			283			(1	%)		(2	%)		1,178			1,161			(1	%)
Deferred policy acquisition costs		(13	)		(16	)		(10	)		(13	)		(11	)		15	%		15	%		(58	)		(50	)		14	%

Total other insurance expense		274			283			281			275			272			(1	%)		(1	%)		1,120			1,111			(1	%)
Amortization of deferred policy acquisition costs		16			16			15			15			15			(6	%)		—			61			61			—

Total benefits and expenses		1,062			1,142			1,142			1,106			1,113			5	%		1	%		4,377			4,503			3	%
Core earnings before income taxes		111			66			42			58			35			(68	%)		(40	%)		373			201			(46	%)
Income tax expense		32			16			8			14			5			(84	%)		(64	%)		102			43			(58	%)

Core Earnings		79			50			34			44			30			(62	%)		(32	%)		271			158			(42	%)
Net realized gains, net of tax and DAC, excluded from core earnings [1]		(34	)		1			14			2			10		NM			NM				(78	)		27		NM

Net income	$	45		$	51		$	48		$	46		$	40			(11	%)		(13	%)	$	193		$	185			(4	%)


After-Tax Profit as % of Revenues
Core earnings		6.7	%		4.3	%		2.9	%		3.8	%		2.6	%		(4.1	)		(1.2	)		5.7	%		3.4	%		(2.3	)
Net income		4.0	%		4.3	%		4.0	%		4.0	%		3.4	%		(0.6	)		(0.6	)		4.2	%		3.9	%		(0.3	)


[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.

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


																Year Over
				THREE MONTHS ENDED												Year			Sequential			YEAR ENDED
	Dec 31,			March 31,			June 30,			Sept. 30,			Dec 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
PREMIUMS
Fully Insured — Ongoing Premiums
Group disability	$	471		$	481		$	469		$	472		$	470			—			—		$	1,934		$	1,892			(2	%)
Group life		526			512			514			513			513			(2	%)		—			2,126			2,052			(3	%)
Other		61			59			58			58			47			(23	%)		(19	%)		249			222			(11	%)

Total fully insured — ongoing premiums	$	1,058		$	1,052		$	1,041		$	1,043		$	1,030			(3	%)		(1	%)	$	4,309		$	4,166			(3	%)


Total buyouts [1]		—			37			21			—			—			—			—			—			58			—

Total premiums		1,058			1,089			1,062			1,043			1,030			(3	%)		(1	%)		4,309			4,224			(2	%)
Group disability — premium equivalents [2]		100			96			98			101			99			(1	%)		(2	%)		398			394			(1	%)

Total premiums and premium equivalent	$	1,158		$	1,185		$	1,160		$	1,144		$	1,129			(3	%)		(1	%)	$	4,707		$	4,618			(2	%)


SALES (GROSS ANNUALIZED NEW PREMIUMS)
Fully Insured — Ongoing Sales
Group disability	$	50		$	120		$	43		$	37		$	37			(26	%)		—		$	347		$	237			(32	%)
Group life		76			172			55			58			47			(38	%)		(19	%)		374			332			(11	%)
Other		4			4			3			5			2			(50	%)		(60	%)		20			14			(30	%)

Total fully insured — ongoing sales		130			296			101			100			86			(34	%)		(14	%)		741			583			(21	%)


Total buyouts [1]		—			37			21			—			—			—			—			1			58		NM

Total sales		130			333			122			100			86			(34	%)		(14	%)		742			641			(14	%)
Group disability premium equivalents [2]		13			54			12			18			8			(38	%)		(56	%)		107			92			(14	%)

Total sales and premium equivalents	$	143		$	387		$	134		$	118		$	94			(34	%)		(20	%)	$	849		$	733			(14	%)


RATIOS [3]
Loss Ratio		72.2	%		75.7	%		78.3	%		77.1	%		79.1	%		6.9			2.0			73.5	%		77.6	%		4.1
Expense Ratio		27.1	%		28.1	%		28.1	%		27.4	%		27.5	%		0.4			0.1			27.1	%		27.8	%		0.7


GAAP RESERVES [4]
Group disability	$	4,821		$	4,897		$	4,996		$	5,069		$	5,127			6	%		1	%
Group life		1,305			1,277			1,269			1,244			1,250			(4	%)		—
Other		88			85			83			82			79			(10	%)		(4	%)

Total GAAP reserves	$	6,214		$	6,259		$	6,348		$	6,395		$	6,456			4	%		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 December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010 and December 31, 2010 are net of reinsurance recoverables of $213, $216, $199, $200 and $209, respectively.

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


													Year Over
	THREE MONTHS ENDED												Year			Sequential			YEAR ENDED
	Dec. 31,		Mar. 31,			Jun. 30,			Sept. 30,		Dec. 31,		3 Month			3 Month			DECEMBER 31,
	2009		2010			2010			2010		2010		Change			Change			2009			2010			Change

Earned premiums	$	1,002	$	996		$	995		$	985	$	971		(3	%)		(1	%)	$	3,959		$	3,947			—
Net investment income		50		44			49			46		48		(4	%)		4	%		178			187			5	%
Other revenues		44		43			40			40		49		11	%		23	%		154			172			12	%
Net realized capital gains (losses)		35		(5	)		2			1		2		(94	%)		100	%		(52	)		—			100	%

Total revenues		1,131		1,078			1,086			1,072		1,070		(5	%)		—			4,239			4,306			2	%

Losses and loss adjustment expenses		701		701			822			689		739		5	%		7	%		2,902			2,951			2	%
Amortization of deferred policy acquisition costs		169		168			168			167		164		(3	%)		(2	%)		674			667			(1	%)
Insurance operating costs and other expenses		133		124			123			118		128		(4	%)		8	%		475			493			4	%

Total benefits and expenses		1,003		993			1,113			974		1,031		3	%		6	%		4,051			4,111			1	%

Income (loss) before income taxes		128		85			(27	)		98		39		(70	%)		(60	%)		188			195			4	%

Income tax expense (benefit)		43		29			(14	)		28		9		(79	%)		(68	%)		48			52			8	%


Net income (loss)		85		56			(13	)		70		30		(65	%)		(57	%)		140			143			2	%

Less: Net realized capital gains (losses), after-tax, excluded from core earnings (losses) [1]		23		(7	)		2			1		2		(91	%)		100	%		(34	)		(2	)		94	%


Core earnings (losses)	$	62	$	63		$	(15	)	$	69	$	28		(55	%)		(59	%)	$	174		$	145			(17	%)


[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.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
UNDERWRITING RESULTS
Written premiums	$	953		$	943		$	1,033		$	1,014		$	896			(6	%)		(12	%)	$	3,995		$	3,886			(3	%)
Change in unearned premium reserve		(49	)		(53	)		38			29			(75	)		(53	%)	NM				36			(61	)	NM

Earned premiums		1,002			996			995			985			971			(3	%)		(1	%)		3,959			3,947			—

Losses and loss adjustment expenses
Current accident year before catastrophes [1]		733			667			686			681			703			(4	%)		3	%		2,707			2,737			1	%
Current accident year catastrophes		(14	)		41			146			42			71		NM				69	%		228			300			32	%
Prior accident years [2]		(18	)		(7	)		(10	)		(34	)		(35	)		(94	%)		(3	%)		(33	)		(86	)		(161	%)

Total losses and loss adjustment expenses		701			701			822			689			739			5	%		7	%		2,902			2,951			2	%

Underwriting expenses [3]		237			241			241			238			237			—			—			947			957			1	%

Underwriting results		64			54			(68	)		58			(5	)	NM			NM				110			39			(65	%)

Net investment income		50			44			49			46			48			(4	%)		4	%		178			187			5	%
Periodic net coupon settlements on credit derivatives, before-tax		—			—			(1	)		—			(1	)		—			—			(2	)		(2	)		—
Other expenses [4]		(21	)		(8	)		(10	)		(7	)		(6	)		71	%		14	%		(48	)		(31	)		35	%
Income tax benefit (expense)		(31	)		(27	)		15			(28	)		(8	)		74	%		71	%		(64	)		(48	)		25	%

Core earnings (losses)		62			63			(15	)		69			28			(55	%)		(59	%)		174			145			(17	%)

Add: Net realized capital gains (losses), after-tax [5]		23			(7	)		2			1			2			(91	%)		100	%		(34	)		(2	)		94	%


Net income (loss)	$	85		$	56		$	(13	)	$	70		$	30			(65	%)		(57	%)	$	140		$	143			2	%


[1]		The three months ended December 31, 2009 included current accident year reserve strengthening of $14, or 1.4 points, primarily related to auto liability claims. The three months ended December 31, 2010 included current accident year reserve releases of $6, or 0.6 points, primarily related to auto liability claims.

[2]		Included within prior accident years development were the following reserve strengthenings (releases):


	THREE MONTHS ENDED															YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			DECEMBER 31,
	2009			2010			2010			2010			2010			2009			2010
Auto liability	$	(24	)	$	(17	)	$	(24	)	$	(41	)	$	(33	)	$	(77	)	$	(115	)
Homeowners		—			15			9			3			(4	)		18			23
Catastrophes		(3	)		(1	)		4			8			(1	)		6			10
Other reserve re-estimates, net		9			(4	)		1			(4	)		3			20			(4	)

Total prior accident years development	$	(18	)	$	(7	)	$	(10	)	$	(34	)	$	(35	)	$	(33	)	$	(86	)


		In the three months ended December 31, 2010, released reserves for personal auto liability claims. Favorable trends in reported severity have persisted, most notably for accident years 2008 and 2009. As these accident years develop, the uncertainty around the ultimate losses is reduced and management places more weight on the emerged experience. The reserve releases impact accident years 2004 through 2009, as some of the older years are also showing improvements in reported severity.

[3]		The year ended December 31, 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.

[4]		The three months ended December 31, 2009 included a $13 increase in litigation reserves.

[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.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
UNDERWRITING RESULTS
Written premiums	$	953		$	943		$	1,033		$	1,014		$	896			(6	%)		(12	%)	$	3,995		$	3,886			(3	%)
Change in unearned premium reserve		(49	)		(53	)		38			29			(75	)		(53	%)	NM				36			(61	)	NM

Earned premiums		1,002			996			995			985			971			(3	%)		(1	%)		3,959			3,947			—

Losses and loss adjustment expenses
Current accident year before catastrophes [1]		733			667			686			681			703			(4	%)		3	%		2,707			2,737			1	%
Current accident year catastrophes		(14	)		41			146			42			71		NM				69	%		228			300			32	%
Prior accident years [2]		(18	)		(7	)		(10	)		(34	)		(35	)		(94	%)		(3	%)		(33	)		(86	)		(161	%)

Total losses and loss adjustment expenses		701			701			822			689			739			5	%		7	%		2,902			2,951			2	%

Underwriting expenses [3]		237			241			241			238			237			—			—			947			957			1	%

Underwriting results	$	64		$	54		$	(68	)	$	58		$	(5	)	NM			NM			$	110		$	39			(65	%)


UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes		73.1			66.9			69.0			69.2			72.4			0.7			(3.2	)		68.4			69.4			(1.0	)
Current accident year catastrophes		(1.4	)		4.2			14.6			4.3			7.3			(8.7	)		(3.0	)		5.8			7.6			(1.8	)
Prior accident years [2] [4]		(1.8	)		(0.8	)		(0.9	)		(3.5	)		(3.6	)		1.8			0.1			(0.8	)		(2.2	)		1.4

Total losses and loss adjustment expenses		69.9			70.4			82.6			70.0			76.0			(6.1	)		(6.0	)		73.3			74.8			(1.5	)

Expenses		23.6			24.2			24.3			24.1			24.4			(0.8	)		(0.3	)		23.9			24.2			(0.3	)


Combined ratio		93.5			94.6			106.9			94.1			100.4			(6.9	)		(6.3	)		97.2			99.0			(1.8	)


Catastrophes
Current year		(1.4	)		4.2			14.6			4.3			7.3			(8.7	)		(3.0	)		5.8			7.6			(1.8	)
Prior year		(0.3	)		(0.1	)		0.5			0.7			—			(0.3	)		0.7			0.1			0.3			(0.2	)

Catastrophe ratio		(1.7	)		4.0			15.0			5.1			7.2			(8.9	)		(2.1	)		5.9			7.8			(1.9	)


Combined ratio before catastrophes		95.2			90.5			91.8			89.1			93.2			2.0			(4.1	)		91.3			91.2			0.1

Combined ratio before catastrophes and prior year development		96.7			91.1			93.2			93.3			96.8			(0.1	)		(3.5	)		92.3			93.6			(1.3	)


PRODUCT
Automobile		103.4			93.7			98.7			93.3			103.1			0.3			(9.8	)		96.9			97.1			(0.2	)
Homeowners		68.3			96.8			128.8			96.3			94.1			(25.8	)		2.2			98.2			104.0			(5.8	)

Total		93.5			94.6			106.9			94.1			100.4			(6.9	)		(6.3	)		97.2			99.0			(1.8	)


[1]		The three months ended December 31, 2009 included current accident year reserve strengthening of $14, or 1.4 points, primarily related to auto liability claims. The three months ended December 31, 2010 included current accident year reserve releases of $6, or 0.6 points, primarily related to auto liability claims.

[2]		Please refer to footnote 2 on page 21 to see what reserve strengthenings (releases) are included within prior accident years development.

[3]		The year ended December 31, 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.

[4]		Included in the prior year losses and loss adjustment expenses ratio is prior accident year development on catastrophe losses.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential						YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
BUSINESS UNIT
WRITTEN PREMIUMS [1]

AARP	$	672		$	671		$	752		$	743		$	653			(3	%)		(12	%)	$	2,871		$	2,819			(2	%)
Agency		264			258			267			258			231			(13	%)		(10	%)		1,061			1,014			(4	%)
Other		17			14			14			13			12			(29	%)		(8	%)		63			53			(16	%)

Total	$	953		$	943		$	1,033		$	1,014		$	896			(6	%)		(12	%)	$	3,995		$	3,886			(3	%)

EARNED PREMIUMS [1]

AARP	$	720		$	715		$	716		$	712		$	707			(2	%)		(1	%)	$	2,844		$	2,850			—
Agency		266			266			264			259			251			(6	%)		(3	%)		1,049			1,040			(1	%)
Other		16			15			15			14			13			(19	%)		(7	%)		66			57			(14	%)

Total	$	1,002		$	996		$	995		$	985		$	971			(3	%)		(1	%)	$	3,959		$	3,947			—


PRODUCT LINE
WRITTEN PREMIUMS [1]

Automobile	$	682		$	696		$	719		$	700		$	630			(8	%)		(10	%)	$	2,877		$	2,745			(5	%)
Homeowners		271			247			314			314			266			(2	%)		(15	%)		1,118			1,141			2	%

Total	$	953		$	943		$	1,033		$	1,014		$	896			(6	%)		(12	%)	$	3,995		$	3,886			(3	%)

EARNED PREMIUMS [1]

Automobile	$	721		$	713		$	711		$	698		$	684			(5	%)		(2	%)	$	2,857		$	2,806			(2	%)
Homeowners		281			283			284			287			287			2	%		—			1,102			1,141			4	%

Total	$	1,002		$	996		$	995		$	985		$	971			(3	%)		(1	%)	$	3,959		$	3,947			—


STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)

Renewal Written Price Increases
Automobile		4	%		5	%		6	%		8	%		7	%		3	%		(1	%)		3	%		6	%		3	%
Homeowners		7	%		9	%		9	%		11	%		10	%		3	%		(1	%)		5	%		10	%		5	%

Policy Count Retention
Automobile		86	%		84	%		84	%		82	%		81	%		(5	%)		(1	%)		86	%		83	%		(3	%)
Homeowners		86	%		85	%		85	%		84	%		84	%		(2	%)		—			86	%		85	%		(1	%)

New Business Premium $
Automobile	$	99		$	93		$	82		$	74		$	62			(37	%)		(16	%)	$	455		$	311			(32	%)
Homeowners	$	36		$	30		$	30		$	26		$	20			(44	%)		(23	%)	$	149		$	106			(29	%)

Policies in force
Automobile		2,395,421			2,376,660			2,341,594			2,287,845			2,226,351			(7	%)		(3	%)
Homeowners		1,488,408			1,487,782			1,479,749			1,455,921			1,426,107			(4	%)		(2	%)


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

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
REVENUES
Earned premiums [1]	$	4		$	17		$	36		$	45		$	39		NM				(13	%)	$	254		$	137			(46	%)
Fee income [1]		1,139			1,129			1,126			1,117			1,173			3	%		5	%		4,298			4,545			6	%
Net investment income (loss)
Securities available-for-sale and other		583			607			673			649			640			10	%		(1	%)		2,347			2,569			9	%
Equity securities held for trading [2]		751			701			(2,649	)		1,043			131			(83	%)		(87	%)		3,188			(774	)	NM

Total net investment income (loss)		1,334			1,308			(1,976	)		1,692			771			(42	%)		(54	%)		5,535			1,795			(68	%)
Net realized capital gains losses — core		(3	)		—			7			3			8		NM				167	%		(18	)		18		NM

Total core revenues		2,474			2,454			(807	)		2,857			1,991			(20	%)		(30	%)		10,069			6,495			(35	%)

Net realized losses and other, before tax and DAC, excluded from core revenues		(267	)		(238	)		(44	)		(316	)		(110	)		59	%		65	%		(1,153	)		(708	)		39	%

Total revenues		2,207			2,216			(851	)		2,541			1,881			(15	%)		(26	%)		8,916			5,787			(35	%)


BENEFITS AND EXPENSES
Benefits, losses and loss adjustment expenses [1]		777			745			949			706			761			(2	%)		8	%		4,013			3,161			(21	%)
Benefits, losses and loss adjustment expenses — Returns credited on International variable annuities [2]		751			701			(2,649	)		1,043			131			(83	%)		(87	%)		3,188			(774	)	NM
Amortization of deferred policy acquisition costs and present value of future profits [1]		124			186			375			97			179			44	%		85	%		1,665			837			(50	%)
Insurance operating costs and other expenses		478			441			446			448			476			—			6	%		1,808			1,811			—

Total benefits and expenses		2,130			2,073			(879	)		2,294			1,547			(27	%)		(33	%)		10,674			5,035			(53	%)


CORE EARNINGS
Core earnings before income taxes		344			381			72			563			444			29	%		(21	%)		(605	)		1,460		NM
Income tax expense (benefit) [1]		40			87			(11	)		165			118			195	%		(28	%)		(396	)		359		NM

Core earnings		304			294			83			398			326			7	%		(18	%)		(209	)		1,101		NM
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings [1] [3]		(188	)		(170	)		(57	)		(78	)		49		NM			NM				(1,106	)		(256	)		77	%

Net income (loss)		116			124			26			320			375		NM				17	%		(1,315	)		845		NM


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


	THREE MONTHS ENDED															YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			DECEMBER 31,
	2009			2010			2010			2010			2010			2009			2010
Earned Premiums	$	(6	)	$	—		$	(1	)	$	(5	)	$	—		$	(6	)	$	(6	)
Fee Income		9			4			8			5			—			103			17
Benefits, losses and loss adjustment expense		8			(51	)		135			(124	)		3			617			(37	)
Amortization of deferred policy acquisition costs		(129	)		(66	)		122			(133	)		(84	)		713			(161	)
Income tax expense (benefit)		46			42			(82	)		91			33			(407	)		84

Core earnings (loss)		78			79			(168	)		166			48			(826	)		125
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		(41	)		6			(62	)		27			15			(205	)		(14	)

Net income (loss)		37			85			(230	)		193			63			(1,031	)		111


[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.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
FINANCIAL HIGHLIGHTS EXCLUDING IMPACTS OF DAC UNLOCKS


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
CORE EARNINGS BY SEGMENT

Global Annuity	$	171		$	130		$	153		$	146		$	193			13	%		32	%	$	394		$	622			58	%
Life Insurance		40			49			63			57			51			28	%		(11	%)		177			220			24	%
Retirement Plans		(2	)		10			13			10			11		NM				10	%		12			44		NM
Mutual Funds		17			26			22			19			23			35	%		21	%		34			90			165	%

Wealth Management core earnings, excluding DAC Unlock		226			215			251			232			278			23	%		20	%		617			976			58	%
DAC unlock impacts on net income		37			85			(230	)		193			63			70	%		(67	%)		(1,031	)		111		NM
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		(147	)		(176	)		5			(105	)		34		NM			NM				(901	)		(242	)		73	%

Wealth Management net income (loss)		116			124			26			320			375		NM				17	%		(1,315	)		845		NM

DAC UNLOCK IMPACT ON REVENUES

Global Annuity	$	(8	)	$	(1	)	$	1		$	3		$	(2	)		75	%	NM			$	17		$	1			(94	%)
Life Insurance		11			5			6			(3	)		2			(82	%)	NM				80			10			(88	%)

Total DAC unlock impact on core revenues		3			4			7			—			—			(100	%)		—			97			11			(89	%)
DAC unlock impact on net realized gains (losses), before tax and DAC, excluded from core earnings		1			(3	)		5			(1	)		(1	)	NM				—			11			—			(100	%)

Total DAC unlock impact on revenues		4			1			12			(1	)		(1	)	NM				—			108			11			(90	%)

DAC UNLOCK IMPACT ON CORE EARNINGS BY SEGMENT

Global Annuity		80			79			(162	)		113			46			(43	%)		(59	%)		(731	)		76		NM
Life Insurance		(3	)		(1	)		(3	)		28			(1	)		67	%	NM				(49	)		23		NM
Retirement Plans		1			1			(3	)		25			3		NM				(88	%)		(46	)		26		NM

DAC unlock impact on core earnings (losses) [1]		78			79			(168	)		166			48			(38	%)		(71	%)		(826	)		125		NM

DAC unlock impact on net realized gains (losses), net of tax and DAC, excluded from core earnings [2] [3]		(41	)		6			(62	)		27			15		NM				(44	%)		(205	)		(14	)		93	%
DAC unlock impact on net income (loss)	$	37		$	85		$	(230	)	$	193		$	63			70	%		(67	%)	$	(1,031	)	$	111		NM


[1]		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.

[2]		Included in the three months ended December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010, and December 31, 2010 are income tax expense (benefits) of $(12), $5, $(40), $13, and $11 respectively. Included in the year ended December 31, 2009 and 2010 are income tax benefits of $(100) and $(11), respectively.

[3]		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.

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			—
Disposition of Canada mutual fund business		—			—			—			—			—			(34	)		(34	)
Capitalization		96			—			—			296			137			49			578
Amortization — Deferred Policy Acquisition Costs		(441	)		(251	)		(19	)		(142	)		(58	)		(62	)		(973	)
Amortization — Present Value of Future Profits		(3	)		—			(1	)		(21	)		—			—			(25	)
Amortization — Realized Capital Gains / Losses		341			48			(2	)		6			4			—			397
Amortization — Unlock — Core		172			(74	)		(2	)		26			39			—			161
Amortization — Unlock — Non-core		(13	)		(11	)		3			10			(12	)		—			(23	)
Effect of Currency Translation Adjustment		—			215			—			—			—			—			215

Balance, December 31, 2010		3,456			1,617			86			2,760			817			44			8,780
Adjustments to unrealized gains and losses on securities available-for-sale and other [1]		(240	)		63			(1	)		(99	)		25			(1	)		(253	)

Balance, December 31, 2010 including adjustments to unrealized gains and losses on securities available-for-sale and other	$	3,216		$	1,680		$	85		$	2,661		$	842		$	43		$	8,527


[1]		Includes the cumulative effect adjustments as a result of the adoption of new accounting guidance for embedded credit derivatives. The effect is offset within adjustments to unrealized gains and losses on securities available for sale and other.

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


	As of			As of			As of			As of			As of
	December 31,			March 31,			June 30,			September 30,			December 31,
	2009			2010			2010			2010			2010
U.S. VARIABLE ANNUITY BUSINESS
S&P 500 Index Value at end of period		1,115.10			1,169.43			1,030.71			1,141.20			1,257.64

Total Account Value with GMDB	$	91,820		$	92,694		$	82,857		$	87,742		$	90,831
GMDB Gross net amount of risk	$	18,362		$	15,645		$	20,883		$	15,148		$	10,746
% of GMDB NAR reinsured		53	%		55	%		52	%		55	%		60	%
GMDB Retained net amount of risk		8,545			7,047			10,040			6,756			4,331
GMDB net GAAP liability [1]		446			412			480			407			367

Total Account Value with GMWB		45,506			46,001			41,085			43,504			44,803
GMWB Gross net amount of risk		3,057			2,382			4,090			2,321			1,296
% of GMWB NAR reinsured		16	%		16	%		17	%		16	%		17	%
GMWB Retained net amount of risk		2,555			1,997			3,392			1,941			1,080
GMWB Net GAAP Liability [2]		1,610			1,359			2,597			2,083			1,330

JAPAN VARIABLE ANNUITY BUSINESS
Yen / $		93.1			93.4			88.5			83.5			81.1

Total Account Value with GMDB	$	30,521		$	30,379		$	28,888		$	30,912		$	31,249
GMDB Gross net amount of risk	$	6,335		$	5,852		$	8,870		$	8,569		$	8,847
% of GMDB NAR reinsured		17	%		17	%		14	%		16	%		14	%
GMDB Retained net amount of risk		5,238			4,856			7,597			7,233			7,593

Total Account Value with GMIB		28,198			28,002			26,731			28,655			28,835
GMIB Retained net amount of risk [2]		3,588			3,282			5,846			5,410			5,777
GMDB/GMIB net GAAP liability [1]		543			523			616			592			652


[1]		For the three months ended December 31, 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 $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. For the three months ended December 31, 2010 the amounts were $(51) and $46, respectively.

[2]		Policies with a guaranteed living benefit (a GMWB in the US or a GMIB in Japan) also have a guaranteed death benefit. The NAR for each benefit is shown, however these benefits are not additive. When a policy terminates due to death, any NAR related to GMWB or GMIB is released. Similarly, when a policy goes into benefit status on a GMWB or, by contract, the GMDB NAR is reduced to $0. When a policy goes into benefit status on a GMIB, its GMDB NAR is released.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
Variable annuity fees	$	568		$	544		$	537		$	535		$	555			(2	%)		4	%	$	2,085		$	2,171			4	%
Other fees [2]		58			46			44			58			56			(3	%)		(3	%)		231			204			(12	%)

Total fee income		626			590			581			593			611			(2	%)		3	%		2,316			2,375			3	%

Direct premiums		62			60			82			97			86			39	%		(11	%)		444			325			(27	%)
Reinsurance premiums [2]		(32	)		(23	)		(25	)		(28	)		(23	)		28	%		18	%		(106	)		(99	)		7	%

Net premiums		30			37			57			69			63			110	%		(9	%)		338			226			(33	%)

Total premiums and other considerations		656			627			638			662			674			3	%		2	%		2,654			2,601			(2	%)

Net investment income
Net investment income on G/A assets		412			395			420			377			369			(10	%)		(2	%)		1,634			1,561			(4	%)
Net investment income on equity securities held for trading		751			701			(2,649	)		1,043			131			(83	%)		(87	%)		3,188			(774	)	NM
Other net investment income		12			9			27			49			45		NM				(8	%)		72			130			81	%

Total net investment income		1,175			1,105			(2,202	)		1,469			545			(54	%)		(63	%)		4,894			917			(81	%)
Net realized capital gains (losses) — core		(1	)		3			8			5			10		NM				100	%		(8	)		26		NM

Total core revenues		1,830			1,735			(1,556	)		2,136			1,229			(33	%)		(42	%)		7,540			3,544			(53	%)
Net realized losses and other, before tax and DAC, excluded from core revenues		(134	)		(198	)		(110	)		(328	)		(151	)		(13	%)		54	%		(679	)		(787	)		(16	%)

Total revenues		1,696			1,537			(1,666	)		1,808			1,078			(36	%)		(40	%)		6,861			2,757			(60	%)

Benefits and Expenses
Benefits and losses
Death benefits [2]		79			22			207			(56	)		79			—		NM				872			252			(71	%)
Other contract benefits		149			135			142			146			148			(1	%)		1	%		585			571			(2	%)
Change in reserve		36			41			64			64			61			69	%		(5	%)		380			230			(39	%)
Sales inducements [2]		6			8			18			11			3			(50	%)		(73	%)		104			40			(62	%)
Interest credited on G/A assets [3]		262			259			246			243			192			(27	%)		(21	%)		1,087			940			(14	%)
Interest credited on International variable annuities		751			701			(2,649	)		1,043			131			(83	%)		(87	%)		3,188			(774	)	NM

Total benefits and losses		1,283			1,166			(1,972	)		1,451			614			(52	%)		(58	%)		6,216			1,259			(80	%)

Other insurance expenses
Commissions & wholesaling expenses		149			133			115			117			109			(27	%)		(7	%)		648			474			(27	%)
Operating expenses		109			80			85			84			98			(10	%)		17	%		462			347			(25	%)
Premium taxes and other expenses		8			13			12			12			6			(25	%)		(50	%)		39			43			10	%

Subtotal — expenses before deferral		266			226			212			213			213			(20	%)		—			1,149			864			(25	%)
Deferred policy acquisition costs		(53	)		(39	)		(25	)		(14	)		(18	)		66	%		(29	%)		(290	)		(96	)		67	%

Total other insurance expense		213			187			187			199			195			(8	%)		(2	%)		859			768			(11	%)
Amortization of deferred policy acquisition costs [2]		48			115			288			116			100			108	%		(14	%)		1,193			619			(48	%)

Total benefits and expenses		1,544			1,468			(1,497	)		1,766			909			(41	%)		(49	%)		8,268			2,646			(68	%)
Core earnings (loss) before income taxes		286			267			(59	)		370			320			12	%		(14	%)		(728	)		898		NM
Income tax expense (benefit) [2] [4]		35			58			(50	)		111			81			131	%		(27	%)		(391	)		200		NM

Core earnings (loss) [2]		251			209			(9	)		259			239			(5	%)		(8	%)		(337	)		698		NM
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings[1] [5]		(113	)		(129	)		(105	)		(84	)		24		NM			NM				(829	)		(294	)		65	%

Net income (loss) [2]	$	138		$	80		$	(114	)	$	175		$	263			91	%		50	%	$	(1,166	)	$	404		NM


RETURN ON ASSETS (After-tax bps)
Core earnings		61.6			53.4			(2.4	)		70.1			62.9			2	%		(10	%)		(21.7	)		45.1		NM
Net income (loss)		33.9			20.4			(30.3	)		47.4			69.2			104	%		46	%		(75.0	)		26.1		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															YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			DECEMBER 31,
	2009			2010			2010			2010			2010			2009			2010
Other Fees	$	(2	)	$	(1	)	$	2		$	8		$	(2	)	$	23		$	7
Reinsurance Premiums		(6	)		—			(1	)		(5	)		—			(6	)		(6	)
Death Benefits		16			(48	)		129			(123	)		9			560			(33	)
Sales Inducements		(7	)		(3	)		6			—			(6	)		49			(3	)
Amortization of deferred policy acquisition costs		(144	)		(70	)		107			(50	)		(83	)		495			(96	)
Income tax expense (benefit)		47			41			(79	)		63			32			(356	)		57

Core earnings (loss)		80			79			(162	)		113			46			(731	)		76
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		(40	)		2			(60	)		32			15			(193	)		(11	)

Net income (loss)		40			81			(222	)		145			61			(924	)		65


[3]		Included in the three months ended, December 31, 2010 is a benefit of $36, before-tax, related to a true-up of reserves associated with certain non-dollar denominated investor notes.

[4]		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.

[5]		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.

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


	THREE MONTHS ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,
	2009			2010			2010			2010			2010
VARIABLE ANNUITIES
Beginning balance	$	83,315		$	84,679		$	85,320		$	75,961		$	80,357
Deposits		631			454			386			297			286
Surrenders		(2,161	)		(2,361	)		(2,430	)		(2,275	)		(2,723	)
Death benefits/annuity payouts		(336	)		(399	)		(393	)		(361	)		(398	)
Transfers [1]		(13	)		(13	)		(17	)		(16	)		(3	)

Net Flows		(1,879	)		(2,319	)		(2,454	)		(2,355	)		(2,838	)
Change in market value/change in reserve/interest credited		3,246			2,965			(6,900	)		6,757			5,498
Other [2]		(3	)		(5	)		(5	)		(6	)		(4	)

Ending balance	$	84,679		$	85,320		$	75,961		$	80,357		$	83,013


FIXED MVA AND OTHER
Beginning balance	$	12,084		$	12,110		$	12,823		$	12,579		$	12,397
Transfer in of SPIA [3]		—			683			—			—			—

Deposits		171			182			36			16			19
Surrenders		(223	)		(220	)		(318	)		(256	)		(241	)
Death benefits/annuity payouts		(116	)		(135	)		(142	)		(136	)		(150	)
Transfers [1]		45			54			51			39			51

Net Flows		(123	)		(119	)		(373	)		(337	)		(321	)
Change in market value/change in reserve/interest credited		149			149			129			155			147

Ending balance	$	12,110		$	12,823		$	12,579		$	12,397		$	12,223


TOTAL U.S. ANNUITY
Beginning balance	$	95,399		$	96,789		$	98,143		$	88,540		$	92,754
Transfer in of SPIA [3]		—			683			—			—			—

Deposits		802			636			422			313			305
Surrenders		(2,384	)		(2,581	)		(2,748	)		(2,531	)		(2,964	)
Death benefits/annuity payouts		(452	)		(534	)		(535	)		(497	)		(548	)
Transfers [1]		32			41			34			23			48

Net Flows		(2,002	)		(2,438	)		(2,827	)		(2,692	)		(3,159	)
Change in market value/change in reserve/interest credited		3,395			3,114			(6,771	)		6,912			5,645
Other [2]		(3	)		(5	)		(5	)		(6	)		(4	)

Ending balance	$	96,789		$	98,143		$	88,540		$	92,754		$	95,236


[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.

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


	THREE MONTHS ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,
	2009			2010			2010			2010			2010
VARIABLE ANNUITIES
Beginning balance	$	35,764		$	34,708		$	33,085		$	31,334		$	33,555
Transfer out of Canadian business [1]		—			(1,355	)		—			—			—

Deposits/Premiums/other		134			6			1			2			1
Surrenders		(274	)		(361	)		(295	)		(337	)		(363	)
Death benefits/annuitizations/other [2]		(165	)		(170	)		(157	)		(158	)		(183	)

Net Flows		(305	)		(525	)		(451	)		(493	)		(545	)
Change in market value/currency/change in reserve/interest credited		401			519			(2,856	)		880			(43	)
Disposition of offshore business [3]		—			—			—			—			(368	)
Effect of currency translation		(1,152	)		(262	)		1,556			1,834			908

Ending balance	$	34,708		$	33,085		$	31,334		$	33,555		$	33,507


FIXED MVA AND OTHER [4]
Beginning balance	$	4,732		$	4,365		$	4,294		$	4,488		$	4,703
Surrenders		(24	)		(54	)		(27	)		(35	)		(58	)
Death benefits/annuitizations/other [2]		(205	)		(33	)		(32	)		(28	)		(209	)

Net Flows		(229	)		(87	)		(59	)		(63	)		(267	)
Change in market value/currency/change in reserve/interest credited		34			30			15			13			23
Effect of currency translation		(172	)		(14	)		238			265			137

Ending balance	$	4,365		$	4,294		$	4,488		$	4,703		$	4,596


TOTAL INTERNATIONAL ANNUITY
Beginning balance	$	40,496		$	39,073		$	37,379		$	35,822		$	38,258
Transfer out of Canadian business [1]		—			(1,355	)		—			—			—

Deposits/Premiums/other		134			6			1			2			1
Surrenders		(298	)		(415	)		(322	)		(372	)		(421	)
Death benefits/annuitizations/other [2]		(370	)		(203	)		(189	)		(186	)		(392	)

Net Flows		(534	)		(612	)		(510	)		(556	)		(812	)
Change in market value/change in reserve/interest credited		435			549			(2,841	)		893			(20	)
Disposition of offshore business [3]		—			—			—			—			(368	)
Effect of currency translation		(1,324	)		(276	)		1,794			2,099			1,045

Ending balance	$	39,073		$	37,379		$	35,822		$	38,258		$	38,103


[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 December 31, 2010 are current period payments of $195.6 and interest credited of $14.9 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]		The three months ended December 31, 2010 includes the sale of the offshore business.

[4]		Of the total ending fixed MVA and other balance as of December 31, 2010 of $4.6 billion, approximately $1.9 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.

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


	THREE MONTHS ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,
	2009			2010			2010			2010			2010
INSTITUTIONAL INVESTMENT PRODUCTS ACCOUNT VALUE [1]
Beginning balance	$	23,128		$	22,373		$	21,060		$	19,950		$	20,086
Transfer out of SPIA, Lifetime Income and Maturity Funding [2]		—			(877	)		—			—			—

Deposits		146			33			12			132			87
Surrenders		(934	)		(352	)		(895	)		(250	)		(478	)
Death benefits/annuity payouts		(232	)		(474	)		(527	)		(260	)		(169	)

Net Flows		(1,020	)		(793	)		(1,410	)		(378	)		(560	)
Change in market value/change in reserve/interest credited		265			357			300			514			148

Ending balance	$	22,373		$	21,060		$	19,950		$	20,086		$	19,674


INVESTMENT ONLY MUTUAL FUND ASSETS
Beginning balance	$	4,453		$	4,262		$	—		$	—		$	—
Transfer out of Investment Only Mutual Funds [3]		—			(4,262	)		—			—			—

Deposits		466			—			—			—			—
Surrenders		(912	)		—			—			—			—

Net Flows		(446	)		—			—			—			—
Change in market value/change in reserve/interest credited		255			—			—			—			—

Ending balance	$	4,262		$	—		$	—		$	—		$	—


TOTAL OTHER ANNUITY
Beginning balance	$	27,581		$	26,635		$	21,060		$	19,950		$	20,086
Transfer out of Investment Only Mutual Funds, SPIA, and Lifetime Income & Maturity Funding [2,3]		—			(5,139	)		—			—			—

Deposits		612			33			12			132			87
Surrenders		(1,846	)		(352	)		(895	)		(250	)		(478	)
Death benefits/annuity payouts		(232	)		(474	)		(527	)		(260	)		(169	)

Net Flows		(1,466	)		(793	)		(1,410	)		(378	)		(560	)
Change in market value/change in reserve/interest credited		520			357			300			514			148

Ending balance	$	26,635		$	21,060		$	19,950		$	20,086		$	19,674


[1]		Included in the balance, beginning with the three months ended March 31, 2009, is approximately $1.5 billion related to an intrasegment funding agreement which is eliminated in consolidation.

[2]		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.

[3]		The Investment Only Mutual Funds business was transferred to Mutual Funds from Global Annuity - - Other, effective January 1, 2010, on a prospective basis.

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


																Year Over
																Year			Sequential			YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
Variable life fees	$	24		$	23		$	25		$	22		$	25			4	%		14	%	$	93		$	95			2	%
Cost of insurance charges		173			185			186			194			194			12	%		—			679			759			12	%
Other fees [1]		81			73			73			54			74			(9	%)		37	%		371			274			(26	%)

Total fee income		278			281			284			270			293			5	%		9	%		1,143			1,128			(1	%)

Direct premiums		35			33			35			35			37			6	%		6	%		132			140			6	%
Reinsurance premiums		(61	)		(55	)		(58	)		(60	)		(63	)		(3	%)		(5	%)		(219	)		(236	)		(8	%)

Net premiums		(26	)		(22	)		(23	)		(25	)		(26	)		—			(4	%)		(87	)		(96	)		(10	%)

Total premiums and other considerations		252			259			261			245			267			6	%		9	%		1,056			1,032			(2	%)

Net investment income
Net investment income on G/A assets		91			128			136			131			128			41	%		(2	%)		364			523			44	%
Other net investment income (loss)		(4	)		(4	)		(1	)		1			3		NM			NM				(17	)		(1	)		94	%

Total net investment income		87			124			135			132			131			51	%		(1	%)		347			522			50	%
Net realized capital losses — core		—			(1	)		—			—			(1	)		—			—			(3	)		(2	)		33	%

Total core revenues		339			382			396			377			397			17	%		5	%		1,400			1,552			11	%
Net realized gains (losses) and other, before tax and DAC, excluded from core revenues		(30	)		(27	)		59			11			(21	)		30	%	NM				(148	)		22		NM

Total revenues		309			355			455			388			376			22	%		(3	%)		1,252			1,574			26	%

Benefits and Expenses
Benefits and losses
Death benefits		103			114			100			134			113			10	%		(16	%)		407			461			13	%
Other contract benefits		8			7			14			8			6			(25	%)		(25	%)		33			35			6	%
Change in reserve [1]		1			7			(3	)		(1	)		(4	)	NM			NM				16			(1	)	NM
Sales inducements		—			1			—			2			1			—			(50	%)		1			4		NM
Interest credited on G/A assets		68			88			91			85			87			28	%		2	%		258			351			36	%

Total benefits and losses		180			217			202			228			203			13	%		(11	%)		715			850			19	%

Other insurance expenses
Commissions & wholesaling expenses		51			40			40			48			51			—			6	%		175			179			2	%
Operating expenses		67			62			69			65			77			15	%		18	%		261			273			5	%
Premium taxes and other expenses		16			15			16			10			26			63	%		160	%		49			67			37	%

Subtotal — expenses before deferral		134			117			125			123			154			15	%		25	%		485			519			7	%
Deferred policy acquisition costs		(79	)		(64	)		(68	)		(79	)		(85	)		(8	%)		(8	%)		(277	)		(296	)		(7	%)

Total other insurance expense		55			53			57			44			69			25	%		57	%		208			223			7	%
Amortization of deferred policy acquisition costs and present value of future profits [1]		58			48			50			(13	)		52			(10	%)	NM				330			137			(58	%)

Total benefits and expenses		293			318			309			259			324			11	%		25	%		1,253			1,210			(3	%)
Core earnings before income taxes		46			64			87			118			73			59	%		(38	%)		147			342			133	%
Income tax expense (benefit) [1]		9			16			27			33			23			156	%		(30	%)		19			99		NM

Core earnings [1]		37			48			60			85			50			35	%		(41	%)		128			243			90	%
Net realized gains (losses), net of tax and DAC, excluded from core earnings [2]		(16	)		(24	)		43			12			(12	)		25	%	NM				(89	)		19		NM

Net income [1]	$	21		$	24		$	103		$	97		$	38			81	%		(61	%)	$	39		$	262		NM


Earnings Margin (After-tax)
Core earnings		10.9	%		12.6	%		15.2	%		22.5	%		12.6	%		1.7			(9.9	)		9.1	%		15.7	%		6.6
Net income		6.8	%		6.8	%		22.6	%		25.0	%		10.1	%		3.3			(14.9	)		3.1	%		16.6	%		13.5


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


	THREE MONTH ENDED															YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			DECEMBER 31,
	2009			2010			2010			2010			2010			2009			2010
Other Fees	$	11		$	5		$	6		$	(3	)	$	2		$	80		$	10
Change in reserve		—			—			—			(2	)		—			6			(2	)
Amortization of deferred policy acquisition costs		15			6			11			(46	)		3			149			(26	)
Income tax expense (benefit)		(1	)		—			(2	)		15			—			(26	)		13

Core earnings (loss)		(3	)		(1	)		(3	)		28			(1	)		(49	)		23
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		—			4			—			1			—			(2	)		5

Net income (loss)		(3	)		3			(3	)		29			(1	)		(51	)		28


[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.

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


											Year Over
	THREE MONTHS ENDED										Year			Sequential			YEAR ENDED
	Dec. 31,		March 31,		June 30,		Sept. 30,		Dec. 31,		3 Month			3 Month			DECEMBER 31,
	2009		2010		2010		2010		2010		Change			Change			2009		2010		Change
SALES BY DISTRIBUTION [1]
National Accounts	$	30	$	21	$	25	$	25	$	28		(7	%)		12	%	$	99	$	99		—
Independent		26		22		23		29		32		23	%		10	%		88		106		20	%
Other		3		3		4		2		3		—			50	%		13		12		(8	%)

Total sales by distribution	$	59	$	46	$	52	$	56	$	63		7	%		13	%	$	200	$	217		9	%


SALES BY PRODUCT
Variable Life	$	13	$	8	$	8	$	8	$	7		(46	%)		(13	%)	$	47	$	31		(34	%)
Universal life		41		33		40		44		52		27	%		18	%		132		169		28	%
Term/other life		5		5		4		4		4		(20	%)		—			21		17		(19	%)

Total sales by product	$	59	$	46	$	52	$	56	$	63		7	%		13	%	$	200	$	217		9	%


PREMIUMS & DEPOSITS
Variable life	$	176	$	137	$	136	$	136	$	148		(16	%)		9	%	$	637	$	557		(13	%)
Universal life/other life		288		255		265		294		329		14	%		12	%		1,003		1,143		14	%
Term/other		38		36		37		37		42		11	%		14	%		146		152		4	%

Total Premiums & Deposits	$	502	$	428	$	438	$	467	$	519		3	%		11	%	$	1,786	$	1,852		4	%


ACCOUNT VALUE
General account	$	6,245	$	6,339	$	6,429	$	6,551	$	6,690		7	%		2	%
Separate account		5,214		5,342		4,951		5,201		5,553		7	%		7	%

Total account value	$	11,459	$	11,681	$	11,380	$	11,752	$	12,243		7	%		4	%


ACCOUNT VALUE BY PRODUCT
Variable life	$	5,766	$	5,900	$	5,507	$	5,757	$	6,115		6	%		6	%
Universal life/other life		5,693		5,781		5,873		5,995		6,128		8	%		2	%

Total account value by product	$	11,459	$	11,681	$	11,380	$	11,752	$	12,243		7	%		4	%


LIFE INSURANCE IN-FORCE
Variable life [2]	$	78,671	$	77,592	$	76,445	$	75,399	$	74,044		(6	%)		(2	%)
Universal life		56,030		55,806		56,571		57,734		58,789		5	%		2	%
Term		69,968		71,078		72,625		73,959		75,797		8	%		2	%

Total life insurance in-force	$	204,669	$	204,476	$	205,641	$	207,092	$	208,630		2	%		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.

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


	THREE MONTHS ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,
	2009			2010			2010			2010			2010
VARIABLE LIFE
Beginning balance	$	5,552		$	5,766		$	5,900		$	5,507		$	5,757
First year & single premiums		32			18			17			18			15
Renewal premiums		144			119			119			118			133

Premiums and deposits		176			137			136			136			148
Surrenders		(116	)		(88	)		(89	)		(93	)		(106	)
Death benefits		(16	)		(15	)		(24	)		(18	)		(14	)

Net Flows		44			34			23			25			28
Policy fees		(132	)		(114	)		(118	)		(118	)		(123	)
Change in market value/interest credited		302			214			(298	)		343			453

Ending balance	$	5,766		$	5,900		$	5,507		$	5,757		$	6,115


UNIVERSAL LIFE [1]
Beginning balance	$	5,591		$	5,693		$	5,781		$	5,873		$	5,995
First year & single premiums		141			123			127			154			165
Renewal premiums		147			132			138			140			164

Premiums and deposits		288			255			265			294			329
Surrenders		(59	)		(49	)		(40	)		(43	)		(49	)
Death benefits		(26	)		(27	)		(36	)		(25	)		(30	)

Net Flows		203			179			189			226			250
Policy fees		(162	)		(146	)		(154	)		(161	)		(177	)
Change in market value/interest credited		61			55			57			57			60

Ending balance	$	5,693		$	5,781		$	5,873		$	5,995		$	6,128


INDIVIDUAL LIFE
Beginning balance	$	11,143		$	11,459		$	11,681		$	11,380		$	11,752
First year & single premiums		173			141			144			172			180
Renewal premiums		291			251			257			258			297

Premiums and deposits		464			392			401			430			477
Surrenders		(175	)		(137	)		(129	)		(136	)		(155	)
Death benefits		(42	)		(42	)		(60	)		(43	)		(44	)

Net Flows		247			213			212			251			278
Policy fees		(294	)		(260	)		(272	)		(279	)		(300	)
Change in market value/interest credited		363			269			(241	)		400			513

Ending balance	$	11,459		$	11,681		$	11,380		$	11,752		$	12,243


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

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Premiums and other considerations
Variable annuity and life fees	$	51		$	54		$	56		$	57		$	63			24	%		11	%	$	185		$	230			24	%
Mutual fund and other fees		36			31			31			31			29			(19	%)		(6	%)		136			122			(10	%)

Total fee income		87			85			87			88			92			6	%		5	%		321			352			10	%

Direct premiums		—			2			2			1			2			—			100	%		3			7			133	%

Total premiums and other considerations		87			87			89			89			94			8	%		6	%		324			359			11	%

Net investment income
Net investment income on G/A assets		76			79			91			92			94			24	%		2	%		309			356			15	%
Other net investment income		2			2			2			1			3			50	%	NM				6			8			33	%

Total net investment income		78			81			93			93			97			24	%		4	%		315			364			16	%

Net realized losses — core		(2	)		(2	)		(1	)		(2	)		(1	)		50	%		50	%		(7	)		(6	)		14	%

Total core revenues		163			166			181			180			190			17	%		6	%		632			717			13	%

Net realized gains (losses), before tax and DAC, excluded from core revenues		(103	)		(14	)		7			2			(7	)		93	%	NM				(326	)		(12	)		96	%

Total revenues		60			152			188			182			183		NM				1	%		306			705			130	%

Benefits and Expenses
Benefits and losses
Death benefits [2]		(2	)		—			1			(1	)		—			100	%		100	%		—			—			—
Other contract benefits		11			15			15			15			15			36	%		—			43			60			40	%
Change in reserve		(4	)		(11	)		(6	)		(6	)		(5	)		(25	%)		17	%		(19	)		(28	)		(47	%)
Sales inducements [2]		—			—			—			—			—			—			—			2			—			(100	%)
Interest credited on G/A assets		60			59			60			63			64			7	%		2	%		244			246			1	%

Total benefits and losses		65			63			70			71			74			14	%		4	%		270			278			3	%

Other insurance expenses
Commissions & wholesaling expenses		36			45			40			44			48			33	%		9	%		139			177			27	%
Operating expenses [3]		86			70			69			67			72			(16	%)		7	%		298			278			(7	%)
Premium taxes and other expenses		8			6			4			6			6			(25	%)		—			27			22			(19	%)

Subtotal — expenses before deferral		130			121			113			117			126			(3	%)		8	%		464			477			3	%
Deferred policy acquisition costs		(25	)		(36	)		(32	)		(33	)		(36	)		(44	%)		(9	%)		(118	)		(137	)		(16	%)

Total other insurance expense		105			85			81			84			90			(14	%)		7	%		346			340			(2	%)
Amortization of deferred policy acquisition costs [2]		6			8			21			(22	)		12			100	%	NM				92			19			(79	%)

Total benefits and expenses		176			156			172			133			176			—			32	%		708			637			(10	%)

Core earnings (loss) before income taxes		(13	)		10			9			47			14		NM				(70	%)		(76	)		80		NM
Income tax expense (benefit) [2]		(12	)		(1	)		(1	)		12			—			100	%		(100	%)		(42	)		10		NM

Core earnings (loss) [2]		(1	)		11			10			35			14		NM				(60	%)		(34	)		70		NM

Net realized gains (losses), net of tax and DAC, excluded from core earnings [2] [4]		(59	)		(17	)		4			(5	)		(5	)		92	%		—			(188	)		(23	)		88	%

Net income (loss) [2]	$	(60	)	$	(6	)	$	14		$	30		$	9		NM				(70	%)	$	(222	)	$	47		NM


RETURN ON ASSETS (After-tax bps)
Core earnings		(0.9	)		9.7			8.9			29.7			11.0		NM				(63	%)		(8.4	)		14.5		NM
Net income (loss)		(55.4	)		(5.3	)		12.4			25.4			7.1		NM				(72	%)		(54.8	)		9.7		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:


	THREE MONTH ENDED															YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			DECEMBER 31,
	2009			2010			2010			2010			2010			2009			2010
Death Benefits	$	(1	)	$	—		$	—		$	—		$	—		$	—		$	—
Sales Inducements		—			—			—			(1	)		—			2			(1	)
Amortization of deferred policy acquisition costs		—			(2	)		4			(37	)		(4	)		69			(39	)
Income tax expense (benefit)		—			1			(1	)		13			1			(25	)		14

Core earnings (loss)		1			1			(3	)		25			3			(46	)		26
Less: Net realized gains (losses), net of tax and DAC, excluded from core earnings		(1	)		—			(2	)		(6	)		—			(10	)		(8	)

Net income (loss)		—			1			(5	)		19			3			(56	)		18


[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.

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


	THREE MONTHS ENDED,
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,
	2009			2010			2010			2010			2010
401(k) GROUP ANNUITY ACCOUNT VALUE
Beginning balance	$	15,339		$	16,142		$	17,776		$	16,926		$	18,764
Transfer in of Lifetime Income & Maturity Funding [2]		—			194			—			—			—

Deposits		1,038			1,668			1,155			1,108			1,211
Surrenders		(782	)		(770	)		(706	)		(688	)		(874	)
Death benefits/annuity payouts		(7	)		(16	)		(17	)		(15	)		(18	)

Net Flows		249			882			432			405			319
Change in market value/change in reserve/interest credited		554			558			(1,283	)		1,415			1,209
Other		—			—			1			18			(1	)

Ending balance	$	16,142		$	17,776		$	16,926		$	18,764		$	20,291


403(b)/457 GROUP ANNUITY ACCOUNT VALUE
Beginning balance	$	10,760		$	11,116		$	11,502		$	11,017		$	11,874
Deposits		340			322			314			395			369
Surrenders		(319	)		(264	)		(195	)		(210	)		(239	)
Death benefits/annuity payouts		(12	)		(10	)		(12	)		(11	)		(12	)

Net Flows		9			48			107			174			118
Change in market value/change in reserve/interest credited		347			338			(592	)		680			658
Other		—			—			—			3			(1	)

Ending balance	$	11,116		$	11,502		$	11,017		$	11,874		$	12,649


401(k)/403(b)/457 MUTUAL FUNDS ASSETS [1]
Beginning balance	$	16,648		$	16,704		$	17,186		$	15,848		$	18,602
Reclassificiation of Assets Under Administration to Assets Under Management [3]		—			—			—			1,294			—

Deposits		462			571			504			525			491
Surrenders		(779	)		(806	)		(804	)		(596	)		(825	)

Net Flows		(317	)		(235	)		(300	)		(71	)		(334	)
Change in market value/change in reserve/interest credited		373			717			(1,037	)		1,552			1,308
Other		—			—			(1	)		(21	)		2

Ending balance	$	16,704		$	17,186		$	15,848		$	18,602		$	19,578


TOTAL RETIREMENT
Beginning balance	$	42,747		$	43,962		$	46,464		$	43,791		$	49,240
Transfer in of Lifetime Income & Maturity Funding and Reclassification of Assets Under Administration to Assets Under Management [2][3]		—			194			—			1,294			—

Deposits		1,840			2,561			1,973			2,028			2,071
Surrenders		(1,880	)		(1,840	)		(1,705	)		(1,494	)		(1,938	)
Death benefits/annuity payouts		(19	)		(26	)		(29	)		(26	)		(30	)

Net Flows		(59	)		695			239			508			103
Change in market value/change in reserve/interest credited		1,274			1,613			(2,912	)		3,647			3,175

Ending balance	$	43,962		$	46,464		$	43,791		$	49,240		$	52,518


[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]		Specific plans were identified that required reclassification from assets under administration (AUA) to assets under management (AUM).

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
Revenues
Fee income	$	148		$	173		$	174		$	166		$	177			20	%		7	%	$	518		$	690			33	%

Net investment loss
Net investment income (loss) on G/A assets		(4	)		—			1			—			—			100	%		—			(14	)		1		NM
Net investment loss on assigned capital		(2	)		(2	)		(3	)		(2	)		(2	)		—			—			(7	)		(9	)		(29	%)

Total net investment loss		(6	)		(2	)		(2	)		(2	)		(2	)		67	%		—			(21	)		(8	)		62	%
Total core revenues		142			171			172			164			175			23	%		7	%		497			682			37	%
Net realized capital gains (losses), before tax and DAC, excluded from core revenues [2]		—			1			—			(1	)		69			—		NM				—			69			—

Total revenues		142			172			172			163			244			72	%		50	%		497			751			51	%

Benefits and Expenses

Benefits and claims
Interest credited on G/A assets		—			—			—			(1	)		1			—		NM				—			—			—

Total benefits and claims		—			—			—			(1	)		1			—		NM				—			—			—

Other insurance expenses
Commissions & wholesaling expenses		85			96			94			86			98			15	%		14	%		319			374			17	%
Operating expenses		26			32			33			32			36			38	%		13	%		100			133			33	%
Premium taxes and other expenses		4			3			6			13			—			(100	%)		(100	%)		17			22			29	%

Subtotal — expenses before deferral		115			131			133			131			134			17	%		2	%		436			529			21	%
Deferred policy acquisition costs		(10	)		(15	)		(12	)		(10	)		(12	)		(20	%)		(20	%)		(41	)		(49	)		(20	%)

Total other insurance expense		105			116			121			121			122			16	%		1	%		395			480			22	%
Amortization of deferred policy acquisition costs		12			15			16			16			15			25	%		(6	%)		50			62			24	%

Total benefits and expenses		117			131			137			136			138			18	%		1	%		445			542			22	%
Core earnings before income taxes		25			40			35			28			37			48	%		32	%		52			140			169	%
Income tax expense		8			14			13			9			14			75	%		56	%		18			50			178	%

Core earnings		17			26			22			19			23			35	%		21	%		34			90			165	%
Net realized gains (losses), net of tax and DAC, excluded from core earnings [3]		—			—			1			(1	)		42			—		NM				—			42			—

Net income	$	17		$	26		$	23		$	18		$	65		NM			NM			$	34		$	132		NM


RETURN ON ASSETS (After-tax bps)
Core earnings		15.9			10.9			9.5			8.3			9.4			(41	%)		13	%		8.8			9.3			6	%
Net income		15.9			10.9			9.9			7.9			26.6			67	%	NM				8.8			13.6			55	%


[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]		Included in the three months ended December 31, 2010 is a gain of $41, after-tax, from the sale of the Canadian mutual funds business.

[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.

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


											Year Over
	THREE MONTHS ENDED										Year			Sequential			YEAR ENDED
	Dec. 31,		March 31,		June 30,		Sept. 30,		Dec. 31,		3 Month			3 Month			DECEMBER 31,
	2009		2010		2010		2010		2010		Change			Change			2009		2010		Change

NON-PROPRIETARY & CANADIAN MUTUAL FUNDS DEPOSITS [1] [2]
Retail Mutual Funds	$	3,131	$	3,428	$	3,444	$	2,505	$	3,355		7	%		34	%	$	11,567	$	12,732		10	%
Investment Only Mutual Funds [1]		—		785		693		424		604		—			42	%		—		2,506		—
529 College Savings Plan/Canada [2]		52		196		157		137		149		187	%		9	%		194		639	NM

Total Non-Proprietary & Canadian Mutual Funds Deposits	$	3,183	$	4,409	$	4,294	$	3,066	$	4,108		29	%		34	%	$	11,761	$	15,877		35	%


ASSETS UNDER MANAGEMENT
Retail mutual fund assets	$	42,829	$	45,227	$	41,162	$	44,788	$	48,753		14	%		9	%
Investment Only mutual fund assets [1]		—		5,245		4,919		5,570		6,659		—			20	%
Proprietary mutual fund assets [4]		—		44,403		39,402		41,778		43,602		—			4	%
529 College Savings Plan/Canada assets [2] [3]		1,202		2,827		2,678		3,026		1,472		22	%		(51	%)

Total Mutual Fund Assets	$	44,031	$	97,702	$	88,161	$	95,162	$	100,486		128	%		6	%


[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]		The three months ended December 31, 2010 includes the sale of the Canadian business. Approximately $1.8 billion of assets were transferred out as a result of the sale.

[4]		Includes Company sponsored mutual fund assets that are held in separate accounts supporting variable insurance and investment products.

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


	THREE MONTHS ENDED
	Dec. 31,			March 31,			June 30,			Sept. 30,			Dec. 31,
	2009			2010			2010			2010			2010

NON-PROPRIETARY & CANADIAN MUTUAL FUNDS
Beginning balance	$	41,250		$	44,031		$	53,299		$	48,759		$	53,384
Transfers in of Investment Only Mutual Funds and Canadian Business [1]		—			5,617			—			—			—

Deposits		3,183			4,409			4,294			3,066			4,108
Redemptions		(2,554	)		(2,943	)		(3,398	)		(3,229	)		(3,557	)

Net Flows		629			1,466			896			(163	)		551
Change in market value		2,180			2,165			(5,336	)		4,753			4,853
Effect of currency translation		—			49			(72	)		56			29
Other [2][3]		(28	)		(29	)		(28	)		(21	)		(1,933	)


Ending balance	$	44,031		$	53,299		$	48,759		$	53,384		$	56,884


PROPRIETARY MUTUAL FUNDS [4]
Beginning balance	$	—		$	—		$	44,403		$	39,402		$	41,778
Transfers in of Insurance Proprietary Mutual Funds		—			43,890			—			—			—
Net Flows		—			(1,324	)		(1,140	)		(1,299	)		(1,571	)
Change in market value		—			1,837			(3,861	)		3,675			3,395


Ending balance	$	—		$	44,403		$	39,402		$	41,778		$	43,602


[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]		The three months ended December 31, 2010 includes the sale of the Canadian business. Approximately $1.8 billion of assets were transferred out as a result of the sale.

[4]		Includes Company sponsored mutual fund assets that are held in separate accounts supporting variable insurance and investment products.

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


																Year Over
	THREE MONTHS ENDED															Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
Earned premiums	$	—		$	1		$	(2	)	$	1		$	3		NM			NM			$	(1	)	$	3		NM
Fee income		55			45			52			46			44			(20	%)		(4	%)		220			187			(15	%)
Net investment income		90			79			75			54			60			(33	%)		11	%		344			268			(22	%)
Net realized capital gains (losses)		(49	)		(9	)		13			41			38		NM				(7	%)		(433	)		83		NM
Other revenues		(1	)		—			—			—			—			100	%		—			4			—			(100	%)

Total revenues		95			116			138			142			145			53	%		2	%		134			541		NM

Benefits, losses and loss adjustment expenses		75			2			170			64			13			(83	%)		(80	%)		394			249			(37	%)
Insurance operating costs and other expenses [1]		53			135			88			64			95			79	%		48	%		365			382			5	%
Interest expense		119			120			132			128			128			8	%		—			476			508			7	%
Goodwill impairment		—			—			153			—			—			—			—			32			153		NM

Total benefits and expenses		247			257			543			256			236			(4	%)		(8	%)		1,267			1,292			2	%

Loss before income taxes		(152	)		(141	)		(405	)		(114	)		(91	)		40	%		20	%		(1,133	)		(751	)		34	%

Income tax benefit [2] [3]		(48	)		(23	)		(150	)		(38	)		(52	)		(8	%)		(37	%)		(329	)		(263	)		20	%


Net Loss		(104	)		(118	)		(255	)		(76	)		(39	)		63	%		49	%		(804	)		(488	)		39	%

Less: Net realized capital gains (losses), net of tax and DAC, excluded from core losses [4]		(30	)		(14	)		13			25			21		NM				(16	%)		(328	)		45		NM


Core losses	$	(74	)	$	(104	)	$	(268	)	$	(101	)	$	(60	)		19	%		41	%	$	(476	)	$	(533	)		(12	%)


[1]		Includes the after-tax restructuring charges of $97 and $14 recorded in the year ended December 31, 2009 and 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]		The three months ended December 31, 2010 includes an income tax benefit of $18 related to tax adjustments for prior years.

[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.

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


															Year Over
	THREE MONTHS ENDED														Year			Sequential			YEAR ENDED
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,		3 Month			3 Month			DECEMBER 31,
	2009			2010			2010			2010			2010		Change			Change			2009			2010			Change

Earned premiums	$	(1	)	$	—		$	1		$	—		$	—	NM				—		$	—		$	1		NM
Net investment income		41			41			42			40			40		(2	%)		—			161			163			1	%
Net realized capital gains (losses)		15			(4	)		20			7			1		(93	%)		(86	%)		(26	)		24		NM

Total revenues		55			37			63			47			41		(25	%)		(13	%)		135			188			39	%

Losses and loss adjustment expenses [1]		37			1			172			63			15		(59	%)		(76	%)		240			251			5	%
Insurance operating costs and expenses		7			8			6			5			11		57	%		120	%		23			30			30	%

Total benefits and expenses		44			9			178			68			26		(41	%)		(62	%)		263			281			7	%

Income (loss) before income taxes		11			28			(115	)		(21	)		15		36	%	NM				(128	)		(93	)		27	%

Income tax expense (benefit)		1			10			(42	)		(9	)		1		—		NM				(51	)		(40	)		22	%

Net income (loss)		10			18			(73	)		(12	)		14		40	%	NM				(77	)		(53	)		31	%

Less: Net realized capital gains (losses), after-tax, excluded from core earnings (losses) [2]		11			(4	)		13			6			1		(91	%)		(83	%)		(16	)		16		NM


Core earnings (losses)	$	(1	)	$	22		$	(86	)	$	(18	)	$	13	NM			NM			$	(61	)	$	(69	)		(13	%)


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

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


																Year Over
	Three Months Ended															Year			Sequential			Year Ended
	Dec. 31,			Mar. 31,			Jun. 30,			Sept. 30,			Dec. 31,			3 Month			3 Month			December 31,
	2009			2010			2010			2010			2010			Change			Change			2009			2010			Change
Net Investment Income (Loss)
Fixed maturities [1]
Taxable	$	725		$	743		$	754		$	740		$	736			2	%		(1	%)	$	3,111		$	2,973			(4	%)
Tax-exempt		128			131			133			128			125			(2	%)		(2	%)		507			517			2	%

Total fixed maturities		853			874			887			868			861			1	%		(1	%)		3,618			3,490			(4	%)
Equity securities, trading		751			701			(2,649	)		1,043			131			(83	%)		(87	%)		3,188			(774	)	NM
Equity securities, available-for-sale		17			14			13			12			14			(18	%)		17	%		93			53			(43	%)
Mortgage loans		76			71			67			72			73			(4	%)		1	%		316			283			(10	%)
Policy loans		31			33			35			33			31			—			(6	%)		139			132			(5	%)
Limited partnerships and other alternative investments [2]		(7	)		6			86			49			75		NM				53	%		(341	)		216		NM
Other [3]		101			85			91			78			79			(22	%)		1	%		318			333			5	%

Subtotal		1,822			1,784			(1,470	)		2,155			1,264			(31	%)		(41	%)		7,331			3,733			(49	%)
Less: Investment expense		30			23			26			29			37			23	%		28	%		112			115			3	%


Total net investment income	$	1,792		$	1,761		$	(1,496	)	$	2,126		$	1,227			(32	%)		(42	%)	$	7,219		$	3,618			(50	%)
Less: Equity securities, trading		751			701			(2,649	)		1,043			131			(83	%)		(87	%)		3,188			(774	)	NM


Total net investment income excluding trading securities	$	1,041		$	1,060		$	1,153		$	1,083		$	1,096			5	%		1	%	$	4,031		$	4,392			9	%


Annualized investment yield, before-tax [4]		4.2	%		4.3	%		4.8	%		4.4	%		4.5	%		0.3			0.1			4.1	%		4.5	%		0.4
Annualized investment yield, after-tax [4]		2.9	%		3.0	%		3.3	%		3.1	%		3.1	%		0.2			—			2.8	%		3.1	%		0.3

Net Realized Capital Gains (Losses)
Gross gains on sales	$	486		$	132		$	343		$	179		$	182			(63	%)		2	%	$	1,056		$	836			(21	%)
Gross losses on sales		(384	)		(111	)		(94	)		(88	)		(229	)		40	%		(160	%)		(1,397	)		(522	)		63	%
Net impairment losses		(434	)		(152	)		(108	)		(115	)		(59	)		86	%		49	%		(1,508	)		(434	)		71	%
Valuation allowances on mortgage loans		(210	)		(112	)		(40	)		(7	)		2		NM			NM				(403	)		(157	)		61	%
Japanese fixed annuity contract hedges, net [5]		19			(16	)		27			11			5			(74	%)		(55	%)		47			27			(43	%)
Periodic net coupon settlements on credit derivatives/Japan [6]		(10	)		(7	)		(4	)		(4	)		(2	)		80	%		50	%		(49	)		(17	)		65	%
Results of variable annuity hedge program
GMWB derivatives, net		456			129			(426	)		170			238			(48	%)		40	%		1,526			111			(93	%)
Macro hedge		(203	)		(164	)		397			(443	)		(352	)		(73	%)		21	%		(895	)		(562	)		37	%

Total results of variable annuity hedge program		253			(35	)		(29	)		(273	)		(114	)	NM				58	%		631			(451	)	NM
Other net gain (loss) [7]		86			25			(84	)		36			187			117	%	NM				(387	)		164		NM


Total net realized capital gains (losses)	$	(194	)	$	(276	)	$	11		$	(261	)	$	(28	)		86	%		89	%	$	(2,010	)	$	(554	)		72	%


[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.

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


	December 31,					March 31,					June 30,					September 30,					December 31,
	2009					2010					2010					2010					2010
	Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent

Fixed maturities, available-for-sale, at fair value [1]	$	71,153		56.7	%	$	75,584		59.3	%	$	77,132		60.2	%	$	79,736		59.7	%	$	77,820		59.4	%
Fixed maturities, at fair value using fair value option		—		—			—		—			—		—			564		0.4	%		649		0.5	%
Equity securities, trading, at fair value [2]		32,321		25.7	%		32,053		25.2	%		30,183		23.6	%		32,495		24.3	%		32,820		25.1	%
Equity securities, available-for-sale, at fair value [3]		1,221		1.0	%		1,153		0.9	%		1,103		0.9	%		1,168		0.9	%		973		0.7	%
Mortgage loans [4]		5,938		4.7	%		5,162		4.1	%		4,673		3.6	%		4,684		3.5	%		4,489		3.4	%
Policy loans, at outstanding balance		2,174		1.7	%		2,177		1.7	%		2,182		1.7	%		2,180		1.6	%		2,181		1.7	%
Limited partnerships and other alternative investments [5]		1,790		1.4	%		1,736		1.4	%		1,774		1.4	%		1,819		1.4	%		1,918		1.5	%
Other investments [6]		602		0.5	%		941		0.7	%		2,293		1.8	%		1,427		1.1	%		1,617		1.2	%
Short-term investments [7]		10,357		8.3	%		8,545		6.7	%		8,731		6.8	%		9,517		7.1	%		8,528		6.5	%


Total investments	$	125,556		100.0	%	$	127,351		100.0	%	$	128,071		100.0	%	$	133,590		100.0	%	$	130,995		100.0	%
Less: Equity securities, trading		32,321		25.7	%		32,053		25.2	%		30,183		23.6	%		32,495		24.3	%		32,820		25.1	%


Total investments excluding trading securities	$	93,235		74.3	%	$	95,298		74.8	%	$	97,888		76.4	%	$	101,095		75.7	%	$	98,175		74.9	%



Asset-backed securities (“ABS”)	$	2,523		3.5	%	$	2,885		3.8	%	$	3,012		3.9	%	$	3,009		3.8	%	$	2,889		3.7	%
Collateralized debt obligations (“CDOs”)		2,892		4.1	%		2,790		3.7	%		2,824		3.7	%		2,563		3.2	%		2,611		3.4	%
Commercial mortgage-backed securities (“CMBS”)		8,544		12.0	%		8,716		11.5	%		8,719		11.3	%		8,160		10.2	%		7,917		10.2	%
Corporate		35,243		49.5	%		38,593		51.1	%		38,834		50.4	%		40,851		51.3	%		39,884		51.2	%
Foreign government/government agencies		1,408		2.0	%		1,483		2.0	%		1,716		2.2	%		1,924		2.4	%		1,683		2.2	%
Municipal — taxable		975		1.4	%		1,085		1.4	%		1,101		1.4	%		1,125		1.4	%		1,199		1.5	%
Municipal — tax-exempt		11,090		15.6	%		11,264		14.9	%		11,415		14.8	%		11,598		14.5	%		10,925		14.0	%
Residential mortgage-backed securities (“RMBS”)		4,847		6.8	%		4,389		5.8	%		4,772		6.2	%		5,551		7.0	%		5,683		7.3	%
U.S. Treasuries		3,631		5.1	%		4,379		5.8	%		4,739		6.1	%		4,955		6.2	%		5,029		6.5	%


Total fixed maturities, AFS [8]	$	71,153		100.0	%	$	75,584		100.0	%	$	77,132		100.0	%	$	79,736		100.0	%	$	77,820		100.0	%


U.S. government/government agencies	$	7,172		10.1	%	$	7,517		9.9	%	$	8,428		10.9	%	$	9,556		12.0	%	$	9,918		12.7	%
AAA		11,188		15.7	%		11,047		14.6	%		11,406		14.8	%		11,158		14.0	%		10,174		13.1	%
AA		13,932		19.6	%		14,766		19.6	%		15,357		19.9	%		15,591		19.6	%		15,554		20.0	%
A		18,664		26.2	%		19,598		25.9	%		19,150		24.8	%		19,922		25.0	%		19,460		25.0	%
BBB		17,071		24.0	%		19,092		25.3	%		19,018		24.7	%		20,022		25.0	%		19,153		24.6	%
BB & below		3,126		4.4	%		3,564		4.7	%		3,773		4.9	%		3,487		4.4	%		3,561		4.6	%


Total fixed maturities, AFS [8]	$	71,153		100.0	%	$	75,584		100.0	%	$	77,132		100.0	%	$	79,736		100.0	%	$	77,820		100.0	%


[1]		Includes $330, $316, $284, $271 and $277 in Corporate at December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010, and December 31, 2010, respectively.

[2]		These assets support the International variable annuity business. Changes in these balances are also reflected in the respective liabilities.

[3]		Includes $88, $92, $88, $93 and $97 in Corporate at December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010, and December 31, 2010, respectively.

[4]		Includes $265, $256, $243, $225 and $202 in Corporate at December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010, and December 31, 2010, respectively.

[5]		Includes real estate joint ventures and hedge fund investments outside of limited partnerships.

[6]		Primarily relates to derivative instruments. Additionally, includes $52, $51, $51, $47 and $48 in Corporate at December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010, and December 31, 2010, respectively.

[7]		Includes $1,995, $2,020, $1,827, $1,890 and $1,780 in Corporate at December 31, 2009, March 31, 2010, June 30, 2010, September 30, 2010, and December 31, 2010, respectively.

[8]		Available-for-sale (“AFS”).

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMPOSITION OF INVESTED ASSETS
LIFE [1]


	December 31,					March 31,					June 30,					September 30,					December 31,
	2009					2010					2010					2010					2010
	Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent

Fixed maturities, available-for-sale, at fair value	$	46,912		49.1	%	$	50,743		52.2	%	$	52,652		53.8	%	$	54,253		53.0	%	$	52,429		52.1	%
Fixed maturities, at fair value using fair value option		—		—			—		—			—		—			554		0.5	%		639		0.6	%
Equity securities, trading, at fair value [2]		32,321		33.9	%		32,053		33.0	%		30,183		30.8	%		32,495		31.8	%		32,820		32.6	%
Equity securities, available-for-sale, at fair value		680		0.7	%		585		0.6	%		589		0.6	%		608		0.6	%		502		0.5	%
Mortgage loans		5,002		5.2	%		4,409		4.5	%		3,956		4.0	%		4,066		4.0	%		3,915		3.9	%
Policy loans, at outstanding balance		2,174		2.3	%		2,177		2.2	%		2,182		2.2	%		2,180		2.1	%		2,181		2.2	%
Limited partnerships and other alternative investments [3]		845		0.9	%		841		0.9	%		878		0.9	%		910		0.9	%		957		1.0	%
Other investments [4]		457		0.5	%		780		0.8	%		2,147		2.2	%		1,258		1.2	%		1,486		1.5	%
Short-term investments		7,079		7.4	%		5,608		5.8	%		5,356		5.5	%		6,061		5.9	%		5,631		5.6	%


Total investments	$	95,470		100.0	%	$	97,196		100.0	%	$	97,943		100.0	%	$	102,385		100.0	%	$	100,560		100.0	%
Less: Equity securities, trading		32,321		33.9	%		32,053		33.0	%		30,183		30.8	%		32,495		31.8	%		32,820		32.6	%


Total investments excluding trading securities	$	63,149		66.1	%	$	65,143		67.0	%	$	67,760		69.2	%	$	69,890		68.2	%	$	67,740		67.4	%


ABS	$	2,122		4.5	%	$	2,427		4.8	%	$	2,506		4.8	%	$	2,505		4.6	%	$	2,442		4.7	%
CDOs		2,355		5.0	%		2,241		4.4	%		2,271		4.3	%		2,043		3.8	%		2,087		4.0	%
CMBS		5,838		12.4	%		5,962		11.8	%		6,046		11.5	%		5,696		10.5	%		5,495		10.5	%
Corporate		26,218		55.9	%		28,791		56.7	%		29,290		55.6	%		30,861		56.9	%		30,204		57.6	%
Foreign government/government agencies		978		2.1	%		1,010		2.0	%		1,280		2.4	%		1,431		2.6	%		1,160		2.2	%
Municipal — taxable		832		1.8	%		927		1.8	%		970		1.8	%		999		1.8	%		1,068		2.0	%
Municipal — tax-exempt		2,416		5.2	%		2,448		4.8	%		2,511		4.8	%		2,526		4.7	%		2,267		4.3	%
RMBS		3,602		7.7	%		3,413		6.7	%		3,732		7.1	%		4,284		7.9	%		4,302		8.2	%
U.S. Treasuries		2,551		5.4	%		3,524		7.0	%		4,046		7.7	%		3,908		7.2	%		3,404		6.5	%


Total fixed maturities, AFS	$	46,912		100.0	%	$	50,743		100.0	%	$	52,652		100.0	%	$	54,253		100.0	%	$	52,429		100.0	%


U.S. government/government agencies	$	4,944		10.5	%	$	5,722		11.3	%	$	6,661		12.7	%	$	7,174		13.2	%	$	6,809		13.0	%
AAA		7,062		15.1	%		7,056		13.9	%		7,343		13.9	%		7,123		13.1	%		6,288		12.0	%
AA		7,467		15.9	%		8,074		15.9	%		8,255		15.7	%		8,225		15.2	%		8,304		15.8	%
A		12,605		26.9	%		13,272		26.2	%		13,444		25.5	%		14,217		26.2	%		14,177		27.1	%
BBB		12,324		26.3	%		13,716		27.0	%		13,870		26.4	%		14,609		26.9	%		13,915		26.5	%
BB & below		2,510		5.3	%		2,903		5.7	%		3,079		5.8	%		2,905		5.4	%		2,936		5.6	%


Total fixed maturities, AFS	$	46,912		100.0	%	$	50,743		100.0	%	$	52,652		100.0	%	$	54,253		100.0	%	$	52,429		100.0	%


[1]		Please refer to the basis of presentation for a description of the statutory legal entity view for Life.

[2]		These assets support the International variable annuity business. Changes in these balances are also reflected in the respective liabilities.

[3]		Includes a real estate joint venture.

[4]		Primarily relates to derivative instruments.

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
COMPOSITION OF INVESTED ASSETS
PROPERTY & CASUALTY [1]


	December 31,					March 31,					June 30,					September 30,					December 31,
	2009					2010					2010					2010					2010
	Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent

Fixed maturities, available-for-sale, at fair value	$	23,911		87.4	%	$	24,525		89.5	%	$	24,196		87.6	%	$	25,212		87.9	%	$	25,114		89.7	%
Fixed maturities, at fair value using fair value option		—		—			—		—			—		—			10		—			10		—
Equity securities, available-for-sale, at fair value		453		1.7	%		476		1.7	%		426		1.5	%		467		1.6	%		374		1.3	%
Mortgage loans		671		2.4	%		497		1.8	%		474		1.7	%		393		1.4	%		372		1.3	%
Limited partnerships and other alternative investments [2]		945		3.5	%		895		3.3	%		896		3.3	%		909		3.2	%		961		3.4	%
Other investments [3]		93		0.3	%		110		0.4	%		95		0.3	%		122		0.4	%		83		0.3	%
Short-term investments		1,283		4.7	%		917		3.3	%		1,548		5.6	%		1,566		5.5	%		1,117		4.0	%


Total investments	$	27,356		100.0	%	$	27,420		100.0	%	$	27,635		100.0	%	$	28,679		100.0	%	$	28,031		100.0	%


ABS	$	401		1.7	%	$	458		1.9	%	$	506		2.1	%	$	504		2.0	%	$	447		1.8	%
CDOs		537		2.2	%		549		2.2	%		553		2.3	%		520		2.1	%		524		2.1	%
CMBS		2,706		11.3	%		2,754		11.2	%		2,673		11.0	%		2,464		9.8	%		2,422		9.6	%
Corporate		8,971		37.5	%		9,765		39.8	%		9,539		39.5	%		9,990		39.5	%		9,680		38.5	%
Foreign government/government agencies		423		1.8	%		463		1.9	%		429		1.8	%		493		2.0	%		523		2.1	%
Municipal — taxable		143		0.6	%		158		0.7	%		131		0.5	%		126		0.5	%		131		0.5	%
Municipal — tax-exempt		8,667		36.2	%		8,809		35.9	%		8,897		36.8	%		9,068		36.0	%		8,654		34.5	%
RMBS		1,234		5.2	%		966		3.9	%		1,028		4.2	%		1,253		5.0	%		1,360		5.4	%
U.S. Treasuries		829		3.5	%		603		2.5	%		440		1.8	%		794		3.1	%		1,373		5.5	%


Total fixed maturities, AFS	$	23,911		100.0	%	$	24,525		100.0	%	$	24,196		100.0	%	$	25,212		100.0	%	$	25,114		100.0	%


U.S. government/government agencies	$	1,967		8.2	%	$	1,534		6.3	%	$	1,503		6.2	%	$	2,116		8.4	%	$	2,837		11.3	%
AAA		4,112		17.2	%		3,979		16.2	%		4,055		16.8	%		4,035		16.0	%		3,886		15.5	%
AA		6,436		26.9	%		6,671		27.2	%		7,096		29.2	%		7,364		29.2	%		7,248		28.8	%
A		6,036		25.2	%		6,305		25.7	%		5,700		23.6	%		5,702		22.6	%		5,280		21.0	%
BBB		4,744		19.9	%		5,375		21.9	%		5,148		21.3	%		5,413		21.5	%		5,238		20.9	%
BB & below		616		2.6	%		661		2.7	%		694		2.9	%		582		2.3	%		625		2.5	%


Total fixed maturities, AFS	$	23,911		100.0	%	$	24,525		100.0	%	$	24,196		100.0	%	$	25,212		100.0	%	$	25,114		100.0	%


[1]		Please refer to the basis of presentation for a description of the statutory legal entity view for Property & Casualty.

[2]		Includes a real estate joint venture and hedge fund investments outside of limited partnerships.

[3]		Primarily relates to derivative instruments.


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)

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))


	THE HARTFORD FINANCIAL SERVICES GROUP, INC.
Date: February 2, 2011	By:	/s/ Beth A. Bombara
		Name:	Beth A. Bombara
		Title:	Senior Vice President and Controller


	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


Exhibit No.
	99.1	Investor Financial Supplement of The Hartford Financial Services Group, Inc. for the fiscal year ended December 31, 2010


	December 31, 2010			December 31, 2009

P&C U.S. Statutory Capital and Surplus [1]	$	7,721		$	7,364

GAAP Adjustments
Deferred policy acquisition costs		1,263			1,263
Benefit reserves		(70	)		(80	)
GAAP unrealized losses on investments, net of tax		(57	)		(515	)
Goodwill		149			149
Non-admitted assets		1,247			1,393
Other, net		83			9

P&C GAAP Stockholders’ Equity	$	10,336		$	9,583


Life U.S. Statutory Capital and Surplus [1]	$	7,731		$	7,324

GAAP Adjustments
Investment in subsidiaries		2,699			1,010
Deferred policy acquisition costs		8,594			9,423
Deferred taxes		(777	)		827
Benefit reserves		(4,097	)		(4,031	)
Unrealized losses on investments, net of impairments		306			(2,757	)
Asset valuation reserve and interest maintenance reserve		420			149
Goodwill		461			422
Other, net		(869	)		(811	)

Life GAAP Stockholders’ Equity	$	14,468		$	11,556


	For the three months ended December 31, 2010
	Property &									Total Property
	Casualty			Consumer			Corporate			and Casualty
	Commercial			Markets			and Other			Insurance
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	14,780		$	2,175		$	4,262		$	21,217
Reinsurance and other recoverables		2,438			11			701			3,150

Beginning liabilities for unpaid losses and loss adjustment expenses, net		12,342			2,164			3,561			18,067

Provision for unpaid losses and loss adjustment expenses
Current accident year before catastrophes		945			703			—			1,648
Current accident year catastrophes		18			71			—			89
Prior accident years		(22	)		(35	)		15			(42	)

Total provision for unpaid losses and loss adjustment expenses		941			739			15			1,695

Payments		(917	)		(743	)		(154	)		(1,814	)


Ending liabilities for unpaid losses and loss adjustment expenses, net		12,366			2,160			3,422			17,948
Reinsurance and other recoverables		2,361			17			699			3,077

Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	14,727		$	2,177		$	4,121		$	21,025


[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.


[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.


	December 31, 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	$	17,431	$	16,783	$	(643	)	$	11,197	$	10,838	$	(359	)
Greater than three months to six months		732		690		(42	)		317		289		(28	)
Greater than six months to nine months		438		397		(41	)		2,940		2,429		(511	)
Greater than nine months to twelve months		185		169		(16	)		2,054		1,674		(380	)
Greater than twelve months		15,599		12,811		(2,754	)		22,445		16,636		(5,809	)

Total	$	34,385	$	30,850	$	(3,496	)	$	38,953	$	31,866	$	(7,087	)


[1]		As of December 31, 2010, fixed maturities, AFS, represented $3,364, 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 December 31, 2010 and 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).


	Cost or				Percent of Total
	Amortized Cost		Fair Value		Invested Assets [1]
Top Ten Corporate and Equity, AFS, Exposures by Sector

Financial services	$	8,114	$	7,774		7.9	%
Utilities		7,235		7,562		7.7	%
Consumer non-cyclical		6,127		6,543		6.7	%
Technology and communications		4,268		4,469		4.6	%
Energy		3,382		3,572		3.6	%
Basic industry		3,267		3,505		3.6	%
Capital goods		3,182		3,383		3.4	%
Consumer cyclical		1,896		2,000		2.0	%
Transportation		1,141		1,197		1.2	%
Other		897		852		0.9	%


Total	$	39,509	$	40,857		41.6	%


Top Ten Exposures by Issuer [2]

JPMorgan Chase & Co.	$	420	$	402		0.4	%
Wells Fargo & Co.		337		306		0.3	%
AT&T Inc.		275		291		0.3	%
Bank of America Corp.		357		286		0.3	%
General Electric Co.		337		283		0.3	%
Barclays PLC		289		278		0.3	%
Pfizer Inc.		244		275		0.3	%
Citigroup Inc.		299		273		0.3	%
Verizon Communications Inc.		256		273		0.3	%
State of Califorina		278		271		0.2	%


Total	$	3,092	$	2,938		3.0	%


[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.