8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

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

Date of Report (Date of earliest event reported): August 3, 2011

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

(Exact name of registrant as specified in its charter)

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

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

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

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

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

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

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

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

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

Item 2.02 Results of Operations and Financial Condition

On August 3, 2011, The Hartford Financial Services Group, Inc. (the “Company”) issued (i) a press release announcing its financial results for the fiscal quarter ended June 30, 2011, and (ii) its Investor Financial Supplement (“IFS”) relating to its financial results for the fiscal quarter ended June 30, 2011. Copies of the press release and the IFS are furnished herewith as Exhibits 99.1 and 99.2, respectively, and are incorporated herein by reference.

The information furnished pursuant to this Item 2.02, including Exhibits 99.1 and 99.2, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 9.01 Financial Statements and Exhibits

Exhibit No.
	99.1	Press Release of The Hartford Financial Services Group, Inc. dated August 3, 2011
	99.2	Investor Financial Supplement of The Hartford Financial Services Group, Inc. for the fiscal quarter ended June 30, 2011

SIGNATURE

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

	THE HARTFORD FINANCIAL SERVICES GROUP, INC.
Date: August 3, 2011	By:	/s/ Beth A. Bombara
		Name:	Beth A. Bombara
		Title:	Senior Vice President and Controller

EX-99.1

Exhibit 99.1

NEWS RELEASE

THE HARTFORD REPORTS SECOND QUARTER 2011 RESULTS AND
ANNOUNCES $500 MILLION SHARE REPURCHASE AUTHORIZATION

• Board of Directors authorizes a $500 million repurchase program

• Second quarter core earnings* of $12 million and net income of $24 million, as previously announced on July 13, 2011

• Book value per diluted common share increased 13% to $43.11 as of June 30, 2011 compared with June 30, 2010

• Total P&C current accident year catastrophe losses of 18.2 points, or $290 million after tax, the highest level of second quarter catastrophe losses in The Hartford’s history

HARTFORD, Conn., August 3, 2011 — The Hartford (NYSE:HIG) reported second quarter 2011 net income of $24 million, or $0.03 per diluted share. In the second quarter of 2010, the company reported net income of $76 million, or $0.14 per diluted share.

Core earnings for the second quarter of 2011 were $12 million, or $0.00 per diluted share. In the second quarter of 2010, core earnings were $193 million, or $0.38 per diluted share. Weighted average diluted shares outstanding were 482.4 million in the second quarter of 2011 compared with 480.2 million in the second quarter of 2010.

“The Hartford’s fundamental business results demonstrated solid performance in the second quarter, although catastrophe losses and an asbestos reserve increase affected results,” said Liam E. McGee, chairman, president and chief executive officer of The Hartford. “We continue to execute our strategy and delivered 8% written premium growth in P&C Commercial Markets; an improved combined ratio, excluding catastrophes, in Consumer Markets; and core earnings growth in Wealth Management.”

“Today’s $500 million share repurchase announcement is a prudent next capital management step, reflecting The Hartford’s strengthened balance sheet, reduced risk profile, and confidence in the business moving forward. This program is an important action towards increasing return on equity and generating earnings per share growth,” added McGee.

1

SECOND QUARTER 2011 FINANCIAL RESULTS

	Quarterly Results
(in millions except per share data)	2Q 11		2Q 10		Change
Net income	$	24	$	76		(68	%)
Net income available to common shareholders per diluted share	$	0.03	$	0.14		(79	%)
Core earnings	$	12	$	193		(94	%)
Core earnings available to common shareholders per diluted share*	$	0.00	$	0.38		(100	%)
Book value per diluted share	$	43.11	$	38.16		13	%
Book value per diluted share (ex. accumulated other comprehensive income (AOCI))*	$	43.26	$	40.95		6	%

The second quarter’s earnings included certain items that affected results totaling $538 million, or $1.12 per share (all numbers are after tax):

• Current accident year catastrophe losses on 12 events totaled $290 million, or 18.2 points on the property and casualty combined ratio for P&C Commercial and Consumer Markets;

• A prior year reserve increase of $206 million, principally comprised of $189 million of reserve strengthening related to the company’s annual review of its legacy asbestos liabilities. The increase was primarily driven by higher frequency and severity of mesothelioma claims, particularly against certain smaller, more peripheral insureds;

• A charge of $73 million related to the write-off of capitalized costs associated with a policy administration software project that was discontinued in Consumer Markets;

• A tax benefit of $52 million related to a resolution of a tax matter with the IRS for the computation of dividends received deductions for years 1998, 2000 and 2001; and

• A negative DAC unlock charge, resulting in a $21 million reduction in core earnings.

2

COMMERCIAL MARKETS

Second Quarter 2011 Highlights:

• P&C Commercial written premiums increased 8% from the second quarter of 2010 reflecting strong retention, renewal written pricing increases, and economic exposure growth

• P&C Commercial pricing improved in Small Commercial and Middle Market, led by rate increases in workers’ compensation

• Group Benefits loss ratio improved slightly to 78.0% in the second quarter of 2011; incidence rates are showing preliminary signs of stabilization, but remain elevated

P&C Commercial

	2Q 11			2Q 10
Written Premiums (in millions)	$	1,498		$	1,388
Combined Ratio1		92.8	%		93.6	%

[1] Excludes catastrophes and prior year development*

Group Benefits

	2Q 11			2Q 10
Fully Insured Premiums2 (in millions)	$	1,013		$	1,041
Loss Ratio2		78.0	%		78.3	%

[2] Excludes buyout premiums

Commercial Markets net income was $162 million in the second quarter of 2011 compared with $318 million in the second quarter of 2010. Core earnings for the segment were $129 million in the second quarter of 2011 compared with $290 million in the second quarter of 2010.

Net income and core earnings in the second quarter of 2011 included $166 million pretax, or 11.0 points, on the P&C Commercial combined ratio, of current accident year catastrophe losses compared with $83 million, or 5.9 points, in the second quarter of 2010. The second quarter of 2011 also included $31 million of prior year reserve strengthening in the P&C Commercial segment, $10 million of which was for catastrophes. Prior year reserve releases in the second quarter of 2010 were $139 million, including $4 million for catastrophes.

P&C Commercial, which generated net income of $121 million in the second quarter of 2011, continued to see favorable top line trends. As a result of the strong premium growth in P&C Commercial in the first half of the year, the company increased key driver guidance for 2011 full year written premiums to the range of 5% to 8%.

3

Group Benefits second quarter 2011 net income was $41 million compared with $48 million in the second quarter of 2010, reflecting lower investment income and lower net realized gains. Total premiums and other considerations of $1.1 billion were essentially unchanged from the second quarter of 2010 as a result of a very competitive marketplace and the company’s commitment to disciplined pricing.

CONSUMER MARKETS

Second Quarter 2011 Highlights:

• 2011 accident year underwriting results* before catastrophes continued to show significant year-over-year improvement, due to improving margins in auto

• Announced new affinity partnership with the Sierra Club, an organization with over 1 million members, resulting in a marketing base of more than 6 million new affinity member households generated over the past nine months

• New business written premium for AARP auto turned positive, with a 1% increase in new business premiums

	2Q 11			2Q 10
Written Premiums (in millions)	$	969		$	1,033
Combined Ratio1		91.6	%		93.2	%

[1] Excludes catastrophes and prior year development*

Consumer Markets reported a net loss of $174 million for the second quarter of 2011 compared with a net loss of $13 million in the second quarter of 2010. Core losses were $179 million in the second quarter of 2011 compared with core losses of $15 million in the second quarter of 2010. The results for the second quarter of 2011 included $281 million pretax, or 29.9 points on the combined ratio, of current accident year catastrophe losses compared with $146 million, or 14.6 points, in the second quarter of 2010. In addition, the write-off of capitalized costs associated with a discontinued policy administration software project resulted in a $73 million after-tax charge to net and core losses in the second quarter of 2011.

WEALTH MANAGEMENT

Second Quarter 2011 Highlights:

• Assets under management of $309.6 billion as of June 30, 2011, were 11% higher than a year ago

• Individual Life sales in the second quarter of 2011 increased 14% compared with the second quarter of 2010

• The company continued the build out of its Japan tail hedge program and is on track for full completion by year end

4

Assets Under Management

(in billions)	June 30, 2011		June 30, 2010		Change
Global Annuity	$	146.9	$	142.4		3	%
Non-Proprietary Mutual Funds	$	58.1	$	47.3		23	%
Retirement Plans	$	55.5	$	43.8		27	%
Life Insurance	$	49.1	$	46.4		6	%

Wealth Management net income was $351 million for the second quarter of 2011 compared with $26 million in the second quarter of 2010. Core earnings for the second quarter of 2011 were $312 million compared with $84 million in the second quarter of 2010. As a result of global equity market performance, second quarter 2011 core earnings included a DAC unlock charge of $21 million compared with a DAC unlock charge of $168 million in the second quarter of 2010. In addition, net income and core earnings for Wealth Management included a $52 million tax benefit related to the dividends received deduction for tax years 1998, 2000 and 2001.

The company is increasing the full-year 2011 ex-DAC unlock ROA guidance for the Global Annuity segment to a range of 42 to 47 basis points to reflect higher assets under management due to global equity market appreciation, better than expected limited partnership returns for the first half of 2011, and the tax benefit related to the dividends received deductions.

INVESTMENTS

Second Quarter 2011 Highlights:

• Pre-tax net investment income excluding trading securities decreased 4% in the second quarter of 2011 compared with the second quarter of 2010

• Net impairment losses and changes to the mortgage loan loss reserve in the second quarter of 2011 resulted in $3 million realized gain

• Net unrealized gain position was $819 million at June 30, 2011 versus a net unrealized loss of $161 million at March 31, 2011

Net investment income, excluding trading securities, was $1.1 billion in the second quarter of 2011, a 4% decline compared with the second quarter of 2010. Net investment income declined as a result of lower portfolio yields, consistent with market trends, which more than offset the growth in the company’s investment portfolio. Annualized returns on limited partnerships and other alternative investments, which are less stable than fixed income yields, were 17% in the second quarter of 2011 compared with 20% in the second quarter of 2010.

The net unrealized gain position improved $980 million since March 31, 2011, primarily due to lower market interest rates. The Hartford’s total invested assets, excluding trading securities, were $99.8 billion as of June 30, 2011, up 2% compared with $97.9 billion at June 30, 2010.

5

CORPORATE AND OTHER

The Corporate and Other segment net loss for the second quarter of 2011 was $315 million compared with a net loss of $255 million in the second quarter of 2010. Results for the current quarter included an after-tax reserve charge of $189 million due to the company’s annual review of its legacy asbestos liabilities. In the second quarter of 2010, the reserve increase for the 2010 asbestos review was $110 million.

Also included in the current quarter Corporate and Other segment results is a $74 million after-tax charge included in discontinued operations for the previously announced disposition of Federal Trust Corporation. In the second quarter of 2010, the company recognized a goodwill impairment of $101 million related to Federal Trust Corporation.

SHAREHOLDERS’ EQUITY

The Hartford’s shareholders’ equity rose 15% at June 30, 2011 to $21.7 billion compared with $18.9 billion at June 30, 2010. Book value per diluted share, which includes the dilutive effect of derivative securities such as the company’s outstanding warrants and mandatory convertible preferred stock, was $43.11 at June 30, 2011, an increase of 13% compared with $38.16 at June 30, 2010. The improvement in shareholders’ equity and book value per diluted share reflects the company’s net income of $1.8 billion over the past 12 months and the improvement in AOCI of $1.3 billion, which was offset by dividends paid and other items during the past year. Excluding AOCI, book value per diluted share* was $43.26 at June 30, 2011, an increase of 6% from the $40.95 at June 30, 2010.

SHARE REPURCHASE PROGRAM

The Hartford’s Board of Directors has authorized a $500 million share repurchase program. The program, which includes the ability to repurchase warrants or other derivative securities, is expected to be accretive to the company’s book value and core earnings per diluted share. Repurchases may be made in the open market through derivative, accelerated repurchase and other privately negotiated transactions, and through plans designed to comply with Rule 10b5-1(c) under the Securities Exchange Act of 1934, as amended.

While the company expects to complete the $500 million share repurchase program by early 2012, any share repurchases are at the company’s discretion, subject to the three-year period authorized by The Hartford’s Board of Directors. The timing of repurchases will be dependent upon various factors, including the market price of the company’s securities, the company’s capital position, consideration of the effect of any repurchases on the company’s financial strength or credit ratings, and other considerations. The repurchase program may be modified, extended or terminated by the Board of Directors at any time.

6

CONFERENCE CALL

The Hartford will discuss its second quarter 2011 results in a conference call on Thursday, August 4 at 9:00 a.m. EDT. The call, along with a slide presentation, can be simultaneously accessed through The Hartford’s website at www.ir.thehartford.com. The slide presentation will be posted on The Hartford’s website at 8:00 a.m. EDT on August 4.

More detailed financial information can be found in The Hartford’s Investor Financial Supplement for the second quarter of 2011, which is available on The Hartford’s website, www.ir.thehartford.com.

* Denotes financial measures not calculated based on generally accepted accounting principles (“non-GAAP”). More information is provided in the Discussion of Non-GAAP Financial Measures section below.

ABOUT THE HARTFORD

The Hartford Financial Services Group Inc. (NYSE: HIG) is a leading provider of insurance and wealth management services for millions of consumers and businesses worldwide. The Hartford is consistently recognized for its superior service and as one of the world’s most ethical companies. More information on the company and its financial performance is available at www.thehartford.com.

HIG-F
Media Contact:	Investor Contact:
Dave Snowden	Sabra Purtill
860-547-3397	860-547-8691
david.snowden@thehartford.com	sabra.purtill@thehartford.com
	Ryan Greenier
	860-547-8844
	ryan.greenier@thehartford.com

7

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
INCOME STATEMENTS BY DIVISION
($ in millions)

Three months ended June 30, 2011

	Commercial			Consumer			Wealth			Corporate &
	Markets			Markets			Management			Other			Consolidated
Earned premiums	$	2,579		$	939		$	26		$	1		$	3,545
Fee income		14			—			1,152			53			1,219
Net investment income (loss)
Securities available-for-sale and other		345			49			660			50			1,104
Equity securities held for trading [1]		—			—			(597	)		—			(597	)
Total net investment income (loss)		345			49			63			50			507
Other revenues		26			36			—			(1	)		61
Net realized capital gains		23			2			34			10			69
Total revenues		2,987			1,026			1,275			113			5,401
Benefits, losses, and loss adjustment expenses		1,997			904			788			287			3,976
Benefits, losses, and loss adjustment expenses — returns credited on International variable annuities [1]		—			—			(597	)		—			(597	)
Amortization of deferred policy acquisition costs		353			160			322			—			835
Insurance operating costs and other expenses		461			240			452			71			1,224
Interest expense		—			—			—			128			128
Total benefits and expenses		2,811			1,304			965			486			5,566
Income (loss) from continuing operations before income taxes		176			(278	)		310			(373	)		(165	)
Income tax expense (benefit)		11			(104	)		(41	)		(135	)		(269	)
Income (loss) from continuing operations		165			(174	)		351			(238	)		104
Loss from discontinued operations, net of tax		(3	)		—			—			(77	)		(80	)
Net income (loss)		162			(174	)		351			(315	)		24
Less: Loss from discontinued operations, net of tax		(3	)		—			—			(77	)		(80	)
Less: Net realized gains, net of tax and DAC, excluded from core earnings		36			5			39			12			92
Core earnings (loss)	$	129		$	(179	)	$	312		$	(250	)	$	12

Three months ended June 30, 2010

	Commercial		Consumer			Wealth			Corporate &
	Markets		Markets			Management			Other			Consolidated
Earned premiums	$	2,477	$	995		$	36		$	(2	)	$	3,506
Fee income		12		—			1,122			52			1,186
Net investment income (loss)
Securities available-for-sale and other		355		49			673			71			1,148
Equity securities held for trading [1]		—		—			(2,649	)		—			(2,649	)
Total net investment income (loss)		355		49			(1,976	)		71			(1,501	)
Other revenues		25		40			—			—			65
Net realized capital gains (losses)		36		2			(42	)		13			9
Total revenues		2,905		1,086			(860	)		134			3,265
Benefits, losses, and loss adjustment expenses		1,645		822			955			170			3,592
Benefits, losses, and loss adjustment expenses — returns credited on International variable annuities [1]		—		—			(2,649	)		—			(2,649	)
Amortization of deferred policy acquisition costs		355		168			412			—			935
Insurance operating costs and other expenses		468		123			438			82			1,111
Interest expense		—		—			—			132			132
Total benefits and expenses		2,468		1,113			(844	)		384			3,121
Income (loss) from continuing operations before income taxes		437		(27	)		(16	)		(250	)		144
Income tax expense (benefit)		122		(14	)		(43	)		(96	)		(31	)
Income (loss) from continuing operations		315		(13	)		27			(154	)		175
Income (loss) from discontinued operations, net of tax		3		—			(1	)		(101	)		(99	)
Net income (loss)		318		(13	)		26			(255	)		76
Less: Income (loss) from discontinued operations, net of tax		3		—			(1	)		(101	)		(99	)
Less: Net realized gains (losses), net of tax and DAC, excluded from core earnings		25		2			(57	)		12			(18	)
Core earnings (loss)	$	290	$	(15	)	$	84		$	(166	)	$	193

[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.

8

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
RESULTS BY SEGMENT
($ in millions, except per share data)

THREE MONTHS ENDED

	June 30,			June 30,
	2011			2010			Change
Property & Casualty Commercial		99			256			(61	%)
Group Benefits		30			34			(12	%)
Commercial Markets core earnings		129			290			(56	%)
Consumer Markets core earnings (losses)		(179	)		(15	)		NM	[1]
Global Annuity		224			153			46	%
Life Insurance		62			63			(2	%)
Retirement Plans		20			13			54	%
Mutual Funds		27			23			17	%
Wealth Management core earnings, Excluding DAC Unlock		333			252			32	%
DAC unlock		(21	)		(168	)		88	%
Wealth Management core earnings		312			84			NM
Corporate and Other core losses		(250	)		(166	)		(51	%)
Core earnings		12			193			(94	%)
Add: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings		92			(18	)	NM
Add: Income (loss) from discontinued operations		(80	)		(99	)		19	%
Net Income		24			76			(68	%)
PER SHARE DATA
Diluted Earnings Per Share
Core earnings	$	0.00		$	0.38			(100	%)
Add: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings	$	0.19		$	(0.04	)	NM
Add: Loss from discontinued operations	$	(0.16	)	$	(0.20	)		20	%
Net income available to common shareholders	$	0.03		$	0.14			(79	%)

[1] NM: The Hartford defines increases or decreases greater than or equity to 200% or changes from a net gain to a net loss position, or vice versa, as “NM” or “not meaningful.”

9

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
2011 FISCAL YEAR KEY DRIVER GUIDANCE

Commercial Markets

P&C Commercial
Combined Ratio1	92.5% — 95.5%
Written Premium Growth	5.0% — 8.0%*
Group Benefits
Loss Ratio	76% — 79%
Fully Insured Ongoing Premiums2	$3.9 — $4.1 Billion

[1]	Excludes catastrophes and prior year development
[2]	Guidance for fully insured ongoing premiums excludes buyout premiums and premium equivalents

Consumer Markets

Consumer Markets
Combined Ratio3	89.0% — 92.0%
Written Premium Growth	(5.5%) — (2.5%)

 [3] Excludes catastrophes and prior year development

Wealth Management

	Deposits	Net Flows	Core Earnings ROA4
Global Annuity	—	—	42 — 47 bps*
U.S. Fixed and Variable Annuity	$1.5 — $2.5 Billion	($13.5) — ($11.5) Billion	—
Retirement Plans	$8.5 — $10.0 Billion	$0.5 — $1.5 Billion	8 — 12 bps
Mutual Funds5	$16.0 — $18.0 Billion	$2.0 — $4.0 Billion	9 — 13 bps
Life Insurance
Sales	$210 — $260 Million
After-tax Margin, excl. DAC Unlocks6	12.0% — 15.0%

[4]	ROA outlooks exclude impact of DAC unlocks
[5]	Mutual Fund Deposits and Net Flows guidance excludes proprietary mutual funds
[6]	Guidance on after-tax margin is core earnings divided by total core revenue
*	Reflects updated guidance metric; see business division discussion for more details

10

DISCUSSION OF NON-GAAP FINANCIAL MEASURES

The Hartford uses non-GAAP financial measures in this press release 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 financial measures to those of other companies. Definitions and calculations of other financial measures used in this press release can be found in The Hartford’s Investor Financial Supplement for the second quarter of 2011, which is available on The Hartford’s website, www.ir.thehartford.com.

Book value per diluted common share excluding accumulated other comprehensive income (“AOCI”): Book value per diluted common share excluding AOCI is a non-GAAP financial measure based on a GAAP financial measure. It is calculated by dividing (a) common stockholders’ equity excluding AOCI, net of tax, by (b) diluted common shares outstanding. The Hartford provides book value per diluted common share excluding AOCI to enable investors to analyze the company’s shareholders’ equity excluding the effect of changes in the value of the company’s investment portfolio and other assets due to interest rates, currency and other factors. The Hartford believes book value per diluted 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 market value. Shareholders’ equity per diluted common share is the most directly comparable GAAP measure. A reconciliation of shareholders’ equity per diluted common share to book value per diluted common share excluding AOCI as of June 30, 2011, and June 30, 2010, is set forth below.

	THREE MONTHS ENDED						Year Over
	June 30,			June 30,			Year 3 Month
	2011			2010			Change
Shareholders’ equity per diluted common share,	$	43.11		$	38.16			13	%
including AOCI
Less: Per share impact of AOCI		(0.15	)		(2.79	)		95	%
Book value per diluted common share, excluding AOCI	$	43.26		$	40.95			6	%

Combined ratio before catastrophes and prior accident year development: Combined ratio before catastrophes and prior accident year development is a non-GAAP financial measure. Combined ratio is the most directly comparable GAAP measure. The combined ratio is the sum of the loss and loss adjustment expense ratio, the expense ratio and the policyholder dividend ratio. This ratio measures the cost of losses and expenses for every $100 of earned premiums. A combined ratio below 100% demonstrates a positive underwriting result, a non-GAAP financial measure described below. A combined ratio above 100% indicates a negative underwriting result. The combined ratio before catastrophes and prior accident year development represents the combined ratio for the current accident year, excluding the impact of catastrophes. The company believes this ratio is an important measure of the trend in profitability since it removes the impact of volatile and unpredictable catastrophe losses and prior accident year loss development. A reconciliation of the combined ratio to the combined ratio before catastrophes and prior year development is provided in the table below.

11

	THREE MONTHS ENDED
	June 30, 2011			June 30, 2010
P&C Commercial
Combined ratio		105.8	%		89.6	%
Less: Prior year reserve development		2.1	%		(9.9	)%
Less: Current year catastrophe losses		11.0	%		5.9	%
Combined Ratio before prior year development & catastrophes		92.8	%		93.6	%
Consumer Markets
Combined ratio		121.5	%		106.9	%
Less: Prior year reserve development		—			(0.9	)%
Less: Current year catastrophe losses		29.9	%		14.6	%
Combined Ratio before prior year development & catastrophes		91.6	%		93.2	%

Core Earnings: The Hartford uses the non-GAAP financial measure core earnings as a measure of the company’s operating performance. The Hartford believes that the measure core earnings provides investors with a measure of the performance of the company’s ongoing businesses because it reveals trends in the company’s insurance and financial services businesses before the net effect of certain realized capital gains and losses and discontinued operations. 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 activities of the company’s business.

Accordingly, core earnings excludes the effect of all realized gains and losses (net of tax and the effects of deferred policy acquisition costs) 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 the company’s insurance operations, so core earnings includes certain 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 statement of operations such as net investment income (loss). 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 the company’s 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 core earnings to net income as of June 30, 2011, and June 30, 2010, is included in this press release.

Core earnings available to common shareholders per diluted share: Core earnings available to common shareholders per diluted share is calculated based on the non-GAAP financial measure core earnings. The Hartford believes that the measure core earnings per diluted common 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 diluted common share is the most directly comparable GAAP measure. Core earnings available to common shareholders per diluted share should not be considered as a substitute for net income per diluted common share and does not reflect the overall profitability of the company’s business.

12

Therefore, The Hartford believes that it is useful for investors to evaluate both net income per diluted common share and core earnings available to common shareholders per diluted share when reviewing the company’s performance. A reconciliation of core earnings available to common shareholders per diluted share to net income per diluted common share as of June 30, 2011 and June 30, 2010 is included in this press release under the heading “The Hartford Financial Services Group, Inc. Results By Segment.”

Core earnings return on assets (ROA): Core earnings ROA is a non-GAAP financial measure that the company uses for certain segments in its Wealth Management Division to evaluate, and believes is an important measure of, operating performance. Core earnings ROA excludes (i) the net realized gains (losses), net of tax and DAC, excluded from core earnings, and (ii) the effect of discontinued operations. ROA is the most directly comparable U.S. GAAP measure. The Hartford believes that the measure core earnings ROA provides investors with a measure of the performance of the company’s on-going businesses because it reveals trends in businesses that may be obscured by the effect of including net realized gains (losses), net of tax and DAC, excluded from core earnings, and the effect of including discontinued operations. 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 the company’s business. Management believes, however, that some realized capital gains and losses are integrally related to the company’s insurance operations, and core earnings ROA should not be considered a substitute for ROA and does not reflect the overall profitability of the company’s businesses. Therefore, the company believes it is important for investors to evaluate both core earnings ROA and ROA when reviewing the company’s performance. A reconciliation of core earnings ROA to ROA as of June 30, 2011, and June 30, 2010, is set forth below.

	THREE MONTHS ENDED
	June 30, 2011		June 30, 2010
	(in basis points)
Global Annuity
Net Income (loss) ROA		61.3		(30.3	)
Less: Net realized gains (losses) and other, net of tax and DAC excl. from core earnings		5.1		(27.9	)
Core Earnings (losses) ROA		56.2		(2.4	)
Retirement Plans
Net Income ROA		21.6		12.4
Less: Net realized gains and other, net of tax and DAC excl. from core earnings		10.1		3.5
Core Earnings ROA		11.5		8.9
Mutual Funds
Net Income ROA		10.6		9.9
Less: Income (loss) from discontinued operations		—		(0.4	)
Less: Net realized gains and other, net of tax and DAC excl. from core earnings		—		0.2
Core Earnings ROA		10.6		10.1

13

Underwriting results: The Hartford’s management evaluates profitability of the P&C 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 (loss) 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, as management strives to manage exposure to loss through favorable risk selection and diversification, effective management of claims, use of reinsurance and its ability to manage its expenses. The Hartford believes that the measure 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 (loss) as of June 30, 2011 and June 30, 2010 is set forth below.

	THREE MONTHS ENDED
	June 30, 2011			June 30, 2010
	($ in millions)
P&C Commercial
Net Income	$	121			270
Less: Income (loss) from discontinues operations, net of tax		(3	)		3
Less: Net realized capital gains, after-tax		25			11
Less: Income tax expense		(16	)		(101	)
Less: Other expenses		(35	)		(34	)
Less: Net investment income		239			245
Underwriting Results	$	(89	)	$	146
Consumer Markets
Net Loss	$	(174	)	$	(13	)
Less: Net realized capital gains, after-tax		5			2
Less: Income tax expense		102			15
Less: Other expenses		(129	)		(11	)
Less: Net investment income		49			49
Underwriting Results	$	(201	)	$	(68	)

14

SAFE HARBOR STATEMENT

Some of the statements in this release should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as “anticipates,” “intends,” “plans,” “seeks,” “believes,” “estimates,” “expects,” “projects” and similar references to the future. Examples of forward-looking statements include, but are not limited to, statements the company makes regarding future results of operations. The Hartford cautions investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should consider the important risks and uncertainties that may cause actual results to differ. These important risks and uncertainties include: challenges related to the company’s current operating environment, including continuing uncertainty about the strength and speed of the recovery in the United States and other key economies and the impact of governmental stimulus and austerity initiatives, sovereign credit concerns, including the potential consequences associated with downgrades to the credit ratings of debt issue by the United States government, and other developments on financial, commodity and credit markets and consumer spending and investment; the success of initiatives relating to the realignment of The Hartford’s business in 2010 and plans to improve the profitability and long-term growth prospects of its key divisions, including through acquisitions or divestitures, and the impact of regulatory or other constraints on the company’s ability to complete these initiatives and deploy capital among businesses as and when planned; market risks associated with business, including changes in interest rates, credit spreads, equity prices, foreign exchange rates, and implied volatility levels, as well as continuing uncertainty in key sectors such as the global real estate market; volatility in earnings resulting from adjustment of risk management program to emphasize protection of statutory surplus and cash flows; the impact on statutory capital of various factors, including many that are outside the company’s control, which can in turn affect the company’s and its subsidiaries credit and financial strength ratings, cost of capital, regulatory compliance and other aspects of its business and results; risks to the company’s business, financial position, prospects and results associated with negative rating actions or downgrades in the company’s financial strength and credit ratings or negative rating actions or downgrades relating to its investments; the potential for differing interpretations of the methodologies, estimations and assumptions that underlie the valuation of the company’s financial instruments that could result in changes to investment valuations; the subjective determinations that underlie the company’s evaluation of other-than-temporary impairments on available-for-sale securities; losses due to nonperformance or defaults by others; the potential for further acceleration of deferred policy acquisition cost amortization; the potential for further impairments of goodwill or the potential for changes in valuation allowances against deferred tax assets; the possible occurrence of terrorist attacks and the company’s ability to contain its exposure, including the effect of the absence or insufficiency of applicable terrorism legislation on coverage; the difficulty in predicting the company’s potential exposure for asbestos and environmental claims; the possibility of a pandemic, earthquake, or other natural or man-made disaster that may adversely affect the company’s businesses and cost and availability of reinsurance; weather and other natural physical events, including the severity and frequency of storms, hail, winter storms, hurricanes and tropical storms, as well as climate change and its potential impact on weather patterns; the response of reinsurance companies under reinsurance contracts and the availability, pricing and adequacy of reinsurance to protect the company against losses; the possibility of unfavorable loss development; actions by competitors, many of which are larger or have

15

greater financial resources than the company; the restrictions, oversight, costs and other consequences of being a savings and loan holding company, including from the supervision, regulation and examination by The Federal Reserve as the company’s regulator and the Office of the Controller of the Currency as regulator of Federal Trust Bank; the cost and other effects of increased regulation as a result of the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank Act”), which will, among other effects, vest a newly created Financial Services Oversight Council with the power to designate “systemically important” institutions, require central clearing of, and/or impose new margin and capital requirements on, derivatives transactions, and may affect the company’s ability as a savings and loan holding company to manage its general account by limiting or eliminating investments in certain private equity and hedge funds; the potential effect of other domestic and foreign regulatory developments, including those that could adversely impact the demand for the company’s products, operating costs and required capital levels, including changes to statutory reserves and/or risk-based capital requirements related to secondary guarantees under universal life and variable annuity products or changes in U.S. federal or other tax laws that affect the relative attractiveness of our investment products; the company’s ability to distribute its products through distribution channels, both current and future; the uncertain effects of emerging claim and coverage issues; regulatory limitations on the ability of the company and certain of its subsidiaries to declare and pay dividends; the company’s ability to effectively price its property and casualty policies, including its ability to obtain regulatory consents to pricing actions or to non-renewal or withdrawal of certain product lines; the company’s ability to maintain the availability of its systems and safeguard the security of its data in the event of a disaster or other unanticipated events; the risk that the company’s framework for managing business risks may not be effective in mitigating material risk and loss; the potential for difficulties arising from outsourcing relationships; the impact of potential changes in federal or state tax laws, including changes affecting the availability of the separate account dividends received deduction; the impact of potential changes in accounting principles and related financial reporting requirements; the company’s ability to protect its intellectual property and defend against claims of infringement; unfavorable judicial or legislative developments; and other factors described in The Hartford’s Quarterly Reports on Form 10-Q, the 2010 Annual Report on Form 10-K and other filings The Hartford makes with the Securities and Exchange Commission.

Any forward-looking statement made by the company in this release speaks only as of the date of this release. Factors or events that could cause the company’s actual results to differ may emerge from time to time, and it is not possible for the company to predict all of them. The company undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise.

###

16

EX-99.2

Exhibit 99.2

INVESTOR FINANCIAL SUPPLEMENT

JUNE 30, 2011

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

Address:
One Hartford Plaza
Hartford, CT 06155

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

Contacts:

Sabra Purtill
Senior Vice President
Investor Relations
Phone (860) 547-8691

Ryan Greenier
Assistant Vice President
Investor Relations
Phone (860) 547-8844

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

As of July 28, 2011	A.M. Best	Fitch	Standard & Poor’s	Moody’s
Insurance Financial Strength Ratings:
Hartford Fire Insurance Company	A	A+	A	A2
Hartford Life Insurance Company	A	A-	A	A3
Hartford Life and Accident Insurance Company	A	A-	A	A3
Hartford Life and Annuity Insurance Company	A	A-	A	A3
Other Ratings:
The Hartford Financial Services Group, Inc.:
Senior debt	bbb+	BBB-	BBB	Baa3
Commercial paper	AMB-2	F2	A-2	P-3

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

COMMON STOCK

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

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

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

Basis of Presentation	i, ii, iii
CONSOLIDATED
Consolidated Financial Results		1
Operating Results by Segment		2
Consolidated Statements of Operations		3
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 June 30, 2010, September 30, 2010,
December 31, 2010, March 31, 2011 and June 30, 2011		11
Six Months Ended June 30, 2010 and 2011		12
COMMERCIAL MARKETS
Income Statements		13
Property & Casualty Commercial
Operating Results		14
Underwriting Results		15
Group Benefits
Income Statements		16
Supplemental Data		17
CONSUMER MARKETS
Income Statements		18
Operating Results		19
Underwriting Results		20
Written and Earned Premiums		21
WEALTH MANAGEMENT
Operating Results		22
Financial Highlights Excluding Impacts of DAC Unlocks		23
Deferred Policy Acquisition Costs and Present Value of Future Profits		24
Supplemental Data — Annuity Death and Income Benefits		25
Global Annuity
Income Statements		26
Supplemental Data
U.S.-Account Value Rollforward		27
International-Account Value Rollforward		28
Other-Account Value and Asset Rollforward		29
Life Insurance
Income Statements		30
Supplemental Data — Individual Life		31
Account Value Rollforward — Individual Life		32
Account Value and Account Value Rollforward-Private Placement Life Insurance		33
Retirement Plans
Income Statements		34
Supplemental Data
Assets Under Management		35
Account Value and Asset Rollforward		36
Mutual Funds
Income Statements		37
Supplemental Data
Deposits and Assets Under Management		38
Asset Rollforward		39
CORPORATE AND OTHER
Income Statements		40
Other Operations
Operating Results		41
INVESTMENTS
Investment Earnings Before-tax		42
Composition of Invested Assets
Consolidated		43
Life		44
Property & Casualty		45
Unrealized Loss Aging		46
Invested Asset Exposures
As of June 30, 2011		47

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 Hartford Financial Services Group, Inc. (“The Hartford” or the “Company”) is organized into three customer-oriented divisions, Commercial Markets, Consumer Markets and Wealth Management, conducting business principally in seven reporting segments.

• 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)of the Internal Revenue Code of 1986, as amended (“IRS code”) and products and services to municipalities and not-for-profit organizations under Sections 457 and 403(b) of the IRS code. Mutual Funds offers retail, proprietary and investment-only mutual funds and college savings plans under section 529 of the IRS code.

• 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 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.

• 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 (“AUM”) 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 (“AUA”) 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, and consolidated variable interest entity non-controlling interests.

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

i

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

DISCUSSION OF NON-GAAP AND OTHER FINANCIAL MEASURES

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

• The Hartford uses the non-GAAP financial measure core earnings as an important measure of the Company’s operating performance. The Hartford believes that the measure core earnings provides investors with a valuable measure of the performance of the Company’s ongoing businesses because it reveals trends in our insurance and financial services businesses before the net effect of certain realized capital gains and losses and discontinued operations. 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 certain 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 statement of operations such as net investment income (loss). 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 the Company’s 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 the Company’s 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.

• Core earnings per diluted common share is calculated based on the non-GAAP financial measure core earnings. The Hartford believes that the measure core earnings per diluted common 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 diluted common share is the most directly comparable GAAP measure. Core earnings per diluted common share should not be considered as a substitute for net income per diluted common share and does not reflect the overall profitability of the company’s business. Therefore, The Hartford believes that it is useful for investors to evaluate both net income per diluted common share and core earnings per diluted common share when reviewing the company’s performance. A reconciliation of core earnings per diluted common share to net income per diluted common 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 14 and 19, respectively.

• The Hartford’s management evaluates profitability of the Property & Casualty Commercial and Consumer Markets segments primarily on the basis of underwriting results. Underwriting results is a before-tax measure that represents earned premiums less incurred losses, loss adjustment expenses and underwriting expenses. Net income (loss) 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, as management strives to manage exposure to loss through favorable risk selection and diversification, management of claims, use of reinsurance and its ability to manage its expense ratio. The Hartford believes that underwriting results provide 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 (loss) for Property & Casualty Commercial and Consumer Markets is set forth at pages 14 and 19, respectively.

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

• Core earnings ROA is a non-GAAP financial measure that the Company uses for certain segments in its Wealth Management Division to evaluate, and believes is an important measure of, operating performance. Core earnings ROA excludes the (i) net realized gains (losses), net of tax and DAC, excluded from core earnings, and (ii) the effect of discontinued operations. ROA is the most directly comparable U.S. GAAP measure. The Hartford believes that the measure core earnings ROA 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, and the effect of including discontinued operations. 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 business. The Hartford believes, however, that some realized capital gains and losses are integrally related to our insurance operations, so core earnings ROA should not be considered 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 core earnings ROA and ROA when reviewing the company’s performance.

ii

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

DISCUSSION OF NON-GAAP AND OTHER FINANCIAL MEASURES

• After-tax margin, excluding net realized gains (losses), net of tax and DAC, excluded from core earnings, is a non-GAAP financial measure that the Company uses to evaluate, and believes is an important measure 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 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 common share, excluding AOCI, is a non-GAAP financial measure based on a GAAP financial measure. It is calculated by dividing (a) common stockholders’ equity, excluding AOCI, net of tax, by (b) diluted common shares outstanding. The Hartford provides book value per diluted common share excluding AOCI to enable investors to analyze the Company’s shareholders’ equity excluding the effect of changes in the value of the Company’s investment portfolio and other assets due to interest rates, currency and other factors. The Hartford believes book value per diluted 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 market value. Book value shareholders equity per diluted common share is the most directly comparable GAAP measure. A reconciliation of shareholders’ equity per diluted share to book value per diluted common 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 Mandatory Convertible preferred stock (“MCP”) is included in average common stockholders’ equity and MCP 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.

• Combined ratio before catastrophes and prior accident year development is a non-GAAP financial measure. Combined ratio is the most directly comparable GAAP measure. The combined ratio is the sum of the loss and loss adjustment expense ratio, the expense ratio and the policyholder dividend ratio. This ratio measures the cost of losses and expenses for every $100 of earned premiums. A combined ratio below 100% demonstrates a positive underwriting result, a non-GAAP financial measure described below. A combined ratio above 100% indicates a negative underwriting result. The combined ratio before catastrophes and prior year accident year development represents the combined ratio for the current accident year, excluding the impact of catastrophes. The company believes this ratio is an important measure of the trend in profitability since it removes the impact of volatile and unpredictable catastrophe losses and prior accident year loss development. A reconciliation of the combined ratio to the combined ratio before catastrophes and prior year development for Property & Casualty Commercial and Consumer Markets is set forth at pages 15 and 20, respectively.

iii

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATED FINANCIAL RESULTS

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTH ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
HIGHLIGHTS
Net income	$	76		$	666		$	619		$	511		$	24			(68	%)		(95	%)	$	395		$	535			35	%
Core earnings	$	193		$	705		$	529		$	586		$	12			(94	%)		(98	%)	$	738		$	598			(19	%)
Total revenues [1]	$	3,265		$	6,602		$	5,930		$	6,300		$	5,401			65	%		(14	%)	$	9,517		$	11,701			23	%
Total assets	$	314,150		$	313,926		$	318,346		$	322,538		$	317,469			1	%		(2	%)
PER SHARE AND SHARES DATA [2]
Basic earnings (losses) per common share
Net income (loss) available to common shareholders	$	0.15		$	1.48		$	1.37		$	1.13		$	0.03			(80	%)		(97	%)	$	(0.24	)	$	1.16		NM
Core earnings available to common shareholders	$	0.41		$	1.56		$	1.17		$	1.30		$	0.00			(100	%)		(100	%)	$	0.58		$	1.30			123	%
Diluted earnings (losses) per common share
Net income (loss) available to common shareholders	$	0.14		$	1.34		$	1.24		$	1.01		$	0.03			(79	%)		(97	%)	$	(0.24	)	$	1.06		NM
Core earnings available to common shareholders	$	0.38		$	1.42		$	1.06		$	1.15		$	0.00			(100	%)		(100	%)	$	0.56		$	1.18			111	%
Weighted average common shares outstanding (basic)		443.9			444.1			444.3			444.6			445.1		1.2		sh	0.5		sh		418.8			444.9		26.1		sh
Weighted average common shares outstanding and dilutive potential common shares (diluted)		480.2			495.3			497.8			508.2			482.4		2.2		sh	(25.8		)sh		454.4			505.6		51.2		sh
Common shares outstanding		444.1			444.4			444.5			445.1			445.3		1.2		sh	0.2		sh		444.1			445.3		1.2		sh
Book value per common share	$	41.29		$	45.80		$	44.44		$	45.93		$	47.43			15	%		3	%
Per common share impact of AOCI	$	(3.10	)	$	0.44		$	(2.26	)	$	(1.72	)	$	(0.17	)		95	%		90	%
Book value per common share (excluding AOCI)	$	44.39		$	45.36		$	46.70		$	47.65		$	47.60			7	%		—
Book value per diluted share	$	38.16		$	42.11		$	40.40		$	41.57		$	43.11			13	%		4	%
Per diluted share impact of AOCI	$	(2.79	)	$	0.39		$	(2.00	)	$	(1.52	)	$	(0.15	)		95	%		90	%
Book value per diluted share (excluding AOCI)	$	40.95		$	41.72		$	42.40		$	43.09		$	43.26			6	%		—
Common shares outstanding and dilutive potential common shares		495.0			496.5			502.7			505.1			502.8		7.8		sh	(2.3		)sh
FINANCIAL RATIOS
ROE (net income last 12 months to common stockholder equity including AOCI) [3]		0.9	%		6.1	%		6.8	%		9.6	%		9.0	%		8.1			(0.6	)
ROE (core earnings last 12 months to common stockholder equity excluding AOCI) [3]		7.9	%		8.3	%		7.5	%		9.6	%		8.7	%		0.8			(0.9	)
Debt to capitalization, including AOCI		25.9	%		24.0	%		24.5	%		23.9	%		23.4	%		(2.5	)		(0.5	)
Annualized investment yield, after-tax		3.3	%		3.1	%		3.1	%		3.2	%		3.1	%		(0.2	)		(0.1	)		3.1	%		3.1	%		—

[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 June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011 and June 30, 2011, respectively.
[2]	See page 8 for computation of basic and diluted earnings (losses) per common share.
[3]	See page 10 for a computation of ROE measures.

1

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
OPERATING RESULTS BY SEGMENT
(A reconciliation of core earnings (losses) to net income (loss) for each of the segments is set forth on the respective segment pages contained in this supplement.)

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTH ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Property & Casualty Commercial	$	256		$	294		$	201		$	181		$	99			(61	%)		(45	%)	$	496		$	280			(44	%)
Group Benefits		34			44			30			19			30			(12	%)		58	%		84			49			(42	%)
Commercial Markets core earnings		290			338			231			200			129			(56	%)		(36	%)		580			329			(43	%)
Consumer Markets core earnings (losses)		(15	)		69			28			113			(179	)	NM			NM				48			(66	)	NM
Global Annuity [1]		(9	)		262			238			228			209		NM				(8	%)		200			437			119	%
Life Insurance		60			85			50			53			60			—			13	%		108			113			5	%
Retirement Plans		10			35			14			21			16			60	%		(24	%)		21			37			76	%
Mutual Funds		23			20			24			27			27			17	%		—			50			54			8	%
Wealth Management core earnings [1]		84			402			326			329			312			NM			(5	%)		379			641			69	%
Corporate and Other core losses		(166	)		(104	)		(56	)		(56	)		(250	)		(51	%)	NM				(269	)		(306	)		(14	%)
CONSOLIDATED
Core earnings		193			705			529			586			12			(94	%)		(98	%)		738			598			(19	%)
Add: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings [2][3]		(18	)		(40	)		55			(237	)		92		NM			NM				(243	)		(145	)		40	%
Add: Income (loss) from discontinued operations		(99	)		1			35			162			(80	)		19	%	NM				(100	)		82		NM
Net income	$	76		$	666		$	619		$	511		$	24			(68	%)		(95	%)	$	395		$	535			35	%
PER SHARE DATA [4]
Diluted earnings (losses) per common share
Core earnings available to common shareholders	$	0.38		$	1.42		$	1.06		$	1.15		$	0.00			(100	%)		(100	%)	$	0.56		$	1.18			111	%
Net income (loss) available to common shareholders	$	0.14		$	1.34		$	1.24		$	1.01		$	0.03			(79	%)		(97	%)	$	(0.24	)	$	1.06		NM

[1]	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.
[2]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax and DAC, for the periods presented herein.
[3]	Includes those net realized capital losses excluded from core earnings (losses). See page 9 for further analysis.
[4]	See page 8 for the reconciliation of net income (loss) per common share to core earnings (losses) per common share.

2

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Earned premiums	$	3,506		$	3,513		$	3,509		$	3,519		$	3,545			1	%		1	%	$	7,033		$	7,064			—
Fee income		1,186			1,164			1,218			1,209			1,219			3	%		1	%		2,366			2,428			3	%
Net investment income (loss):
Securities available-for-sale and other		1,148			1,073			1,089			1,108			1,104			(4	%)		—			2,202			2,212			—
Equity securities, trading [1]		(2,649	)		1,043			131			803			(597	)		77	%	NM				(1,948	)		206		NM
Total net investment income (loss)		(1,501	)		2,116			1,220			1,911			507		NM				(73	%)		254			2,418		NM
Realized capital gains (losses):
Total other-than-temporary impairment (“OTTI”) losses		(292	)		(146	)		(74	)		(119	)		(31	)		89	%		74	%		(632	)		(150	)		76	%
OTTI losses recognized in other comprehensive income		184			31			15			64			8			(96	%)		(88	%)		372			72			(81	%)
Net OTTI losses recognized in earnings		(108	)		(115	)		(59	)		(55	)		(23	)		79	%		58	%		(260	)		(78	)		70	%
Net realized capital gains (losses), excluding OTTI losses recognized in earnings		117			(142	)		(30	)		(348	)		92			(21	%)	NM				(5	)		(256	)	NM
Total net realized capital gains (losses)		9			(257	)		(89	)		(403	)		69		NM			NM				(265	)		(334	)		(26	%)
Other revenues		65			66			72			64			61			(6	%)		(5	%)		129			125			(3	%)
Total revenues		3,265			6,602			5,930			6,300			5,401			65	%		(14	%)		9,517			11,701			23	%
Benefits, losses and loss adjustment expenses		3,592			3,037			3,263			3,178			3,976			11	%		25	%		6,725			7,154			6	%
Benefits, losses and loss adjustment expenses — returns credited on International variable annuities [1]		(2,649	)		1,043			131			803			(597	)		77	%	NM				(1,948	)		206		NM
Amortization of deferred policy acquisition costs and present value of future profits		935			431			514			664			835			(11	%)		26	%		1,582			1,499			(5	%)
Insurance operating costs and expenses		1,111			1,046			1,135			1,120			1,224			10	%		9	%		2,226			2,344			5	%
Interest expense		132			128			128			128			128			(3	%)		—			252			256			2	%
Total benefits and expenses		3,121			5,685			5,171			5,893			5,566			78	%		(6	%)		8,837			11,459			30	%
Income (loss) from continuing operations before income taxes		144			917			759			407			(165	)	NM			NM				680			242			(64	%)
Income tax expense (benefit) [2][3][4]		(31	)		252			175			58			(269	)	NM			NM				185			(211	)	NM
Income from continuing operations		175			665			584			349			104			(41	%)		(70	%)		495			453			(8	%)
Income (loss) from discontinued operations, net of tax		(99	)		1			35			162			(80	)		19	%	NM				(100	)		82		NM
Net income		76			666			619			511			24			(68	%)		(95	%)		395			535			35	%
Less: Income (loss) from discontinued operations, net of tax		(99	)		1			35			162			(80	)		19	%	NM				(100	)		82		NM
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings [5]		(18	)		(40	)		55			(237	)		92		NM			NM				(243	)		(145	)		40	%
Core earnings	$	193		$	705		$	529		$	586		$	12			(94	%)		(98	%)	$	738		$	598			(19	%)

[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]	The three months ended December 31, 2010 includes an income tax benefit of $18 related to tax adjustments for prior years.
[3]	The three and six months ended June 30, 2011 includes a tax benefit of $52 related to a resolution of a tax matter with the IRS for the computation of dividends received deduction for the years 1998, 2000 and 2001.
[4]	The three and six months ended June 30, 2011 includes a benefit of $86 related to the release of a deferred tax valuation allowance.
[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.

3

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CONSOLIDATING BALANCE SHEETS
AS OF DECEMBER 31, 2010 AND JUNE 30, 2011

	LIFE [1]							PROPERTY & CASUALTY [1]								CORPORATE [1]									CONSOLIDATED
	Dec. 31,		Jun. 30,					Dec. 31,			Jun. 30,					Dec. 31,			Jun. 30,						Dec. 31,			Jun. 30,
	2010		2011		Change			2010			2011		Change			2010			2011			Change			2010			2011			Change
Investments
Fixed maturities, available-for-sale, at fair value	$	52,429	$	52,834		1	%	$	25,114		$	25,273		1	%	$	277		$	25			(91	%)	$	77,820		$	78,132			—
Fixed maturities, at fair value using the fair value option		639		1,214		90	%		10			13		30	%		—			—			—			649			1,227			89	%
Equity securities, trading, at fair value		32,820		32,278		(2	%)		—			—		—			—			—			—			32,820			32,278			(2	%)
Equity securities, available-for-sale, at fair value		502		603		20	%		374			378		1	%		97			100			3	%		973			1,081			11	%
Mortgage loans		3,915		4,578		17	%		372			588		58	%		202			138			(32	%)		4,489			5,304			18	%
Policy loans, at outstanding balance		2,181		2,188		—			—			—		—			—			—			—			2,181			2,188			—
Limited partnerships and other alternative investments		957		1,024		7	%		961			1,004		4	%		—			—			—			1,918			2,028			6	%
Other investments		1,486		799		(46	%)		83			147		77	%		48			27			(44	%)		1,617			973			(40	%)
Short-term investments		5,631		5,565		(1	%)		1,117			1,022		(9	%)		1,780			2,274			28	%		8,528			8,861			4	%
Total investments		100,560		101,083		1	%		28,031			28,425		1	%		2,404			2,564			7	%		130,995			132,072			1	%
Cash		1,809		1,638		(9	%)		250			255		2	%		3			5			67	%		2,062			1,898			(8	%)
Premiums receivable and agents’ balances		362		335		(7	%)		2,911			3,083		6	%		—			—			—			3,273			3,418			4	%
Reinsurance recoverables		1,991		1,970		(1	%)		2,871			2,881		—			—			—			—			4,862			4,851			—
Deferred policy acquisition costs and present value of future profits		8,594		8,302		(3	%)		1,263			1,282		2	%		—			—			—			9,857			9,584			(3	%)
Deferred income taxes		1,786		1,538		(14	%)		966			763		(21	%)		973			1,061			9	%		3,725			3,362			(10	%)
Goodwill		470		470		—			149			149		—			432			417			(3	%)		1,051			1,036			(1	%)
Property and equipment, net		398		387		(3	%)		729			620		(15	%)		23			13			(43	%)		1,150			1,020			(11	%)
Other assets		573		1,651		188	%		952			956		—			104			136			31	%		1,629			2,743			68	%
Separate account assets		159,742		157,485		(1	%)		—			—		—			—			—			—			159,742			157,485			(1	%)
Total assets	$	276,285	$	274,859		(1	%)	$	38,122		$	38,414		1	%	$	3,939		$	4,196			7	%	$	318,346		$	317,469			—
Future policy benefits, unpaid losses and loss adjustment expenses		18,573		18,724		1	%	$	21,025		$	21,460		2	%	$	—		$	—			—		$	39,598		$	40,184			1	%
Other policyholder funds and benefits payable		44,550		44,073		(1	%)		—			—		—			—			—			—			44,550			44,073			(1	%)
Other policyholder funds and benefits payable — International variable annuities		32,793		32,237		(2	%)		—			—		—			—			—			—			32,793			32,237			(2	%)
Unearned premiums		173		178		3	%		5,005			5,139		3	%		(2	)		(2	)		—			5,176			5,315			3	%
Debt		—		—		—			—			—		—			6,607			6,614			—			6,607			6,614			—
Consumer notes		382		368		(4	%)		—			—		—			—			—			—			382			368			(4	%)
Other liabilities		5,604		6,226		11	%		1,756			1,422		(19	%)		1,827			1,870			2	%		9,187			9,518			4	%
Separate account liabilities		159,742		157,485		(1	%)		—			—		—			—			—			—			159,742			157,485			(1	%)
Total liabilities		261,817		259,291		(1	%)		27,786			28,021		1	%		8,432			8,482			1	%		298,035			295,794			(1	%)
Common equity, excluding AOCI		14,247		14,839		4	%		10,379			10,070		(3	%)		(3,870	)		(3,713	)		4	%		20,756			21,196			2	%
Preferred stock		—		—		—			—			—		—			556			556			—			556			556			—
AOCI, net of tax		221		729	NM				(43	)		323	NM				(1,179	)		(1,129	)		4	%		(1,001	)		(77	)		92	%
Total stockholders’ equity		14,468		15,568		8	%		10,336			10,393		1	%		(4,493	)		(4,286	)		5	%		20,311			21,675			7	%
Total liabilities and equity	$	276,285	$	274,859		(1	%)	$	38,122		$	38,414		1	%	$	3,939		$	4,196			7	%	$	318,346		$	317,469			—

[1] Please refer to the basis of presentation on page i for a description of Life, Property & Casualty and Corporate.

4

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
CAPITAL STRUCTURE

																Year Over
	THREE MONTHS ENDED															Year			Sequential
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month
	2010			2010			2010			2011			2011			Change			Change
DEBT
Short-term debt (includes current maturities of long-term debt and capital lease obligations)	$	—		$	—		$	400		$	400		$	400		NM				—
Senior notes		4,879			4,880			4,480			4,480			4,480			(8	%)		—
Junior subordinated debentures		1,721			1,723			1,727			1,730			1,734			1	%		—
Total debt [1]	$	6,600		$	6,603		$	6,607		$	6,610		$	6,614			—			—
STOCKHOLDERS’ EQUITY
Common stockholders’ equity, excluding AOCI, net of tax	$	19,714		$	20,159		$	20,756		$	21,207		$	21,196			8	%		—
Preferred stock		556			556			556			556			556			—			—
AOCI, net of tax		(1,379	)		194			(1,001	)		(764	)		(77	)		94	%		90	%
Total stockholders’ equity	$	18,891		$	20,909		$	20,311		$	20,999		$	21,675			15	%		3	%
CAPITALIZATION
Total capitalization, including AOCI, net of tax	$	25,491		$	27,512		$	26,918		$	27,609		$	28,289			11	%		2	%
Total capitalization, excluding AOCI, net of tax	$	26,870		$	27,318		$	27,919		$	28,373		$	28,366			6	%		—
DEBT TO CAPITALIZATION RATIOS [1]
Total debt to capitalization, including AOCI		25.9	%		24.0	%		24.5	%		23.9	%		23.4	%		(2.5	)		(0.5	)
Total debt to capitalization, excluding AOCI		24.6	%		24.2	%		23.7	%		23.3	%		23.3	%		(1.3	)		—
Total rating agency adjusted debt to capitalization [2] [3]		29.7	%		27.6	%		28.5	%		27.9	%		27.2	%		(2.5	)		(0.7	)

[1]	The Hartford excludes consumer notes from total debt for capital structure analysis. Consumer notes were $452, $384, $382, $382 and $368 as of June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011 and June 30, 2011, respectively.
[2]	Reflects a rating agency assignment in the leverage calculation of an estimate of the adjusted unfunded pension liability of the Company’s defined benefit plans and six times the Company’s rental expense on operating leases for total adjustments of $1.4 billion, $1.4 billion, $1.5 billion, $1.6 billion and $1.5 billion for the three months ended June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011 and June 30, 2011, respectively.
[3]	Reflects 25% equity credit for all junior subordinated debentures and the discount value of the Allianz junior subordinated debentures. Reflects 100% equity credit for the MCP stock.

5

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

	June 30, 2011			December 31, 2010
P&C U.S. Statutory Capital and Surplus [1]	$	7,627		$	7,721
GAAP Adjustments
Deferred policy acquisition costs		1,282			1,263
Benefit reserves		(64	)		(70	)
GAAP unrealized losses on investments, net of tax		306			(57	)
Goodwill		149			149
Non-admitted assets		1,155			1,247
Other, net		(62	)		83
P&C GAAP Stockholders’ Equity	$	10,393		$	10,336
Life U.S. Statutory Capital and Surplus [1]	$	7,951		$	7,731
GAAP Adjustments
Investment in subsidiaries		3,060			2,699
Deferred policy acquisition costs		8,302			8,594
Deferred taxes		(1,257	)		(777	)
Benefit reserves		(3,739	)		(4,097	)
Unrealized losses on investments, net of impairments		835			306
Asset valuation reserve and interest maintenance reserve		522			420
Goodwill		470			461
Other, net		(576	)		(869	)
Life GAAP Stockholders’ Equity	$	15,568		$	14,468

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

6

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month
	2010			2010			2010			2011			2011			Change			Change
Fixed maturities net unrealized gain (loss)	$	(819	)	$	389		$	(562	)	$	(306	)	$	251		NM			NM
Equities net unrealized gain (loss)		(92	)		(42	)		(26	)		28			7		NM				(75	%)
Other-than-temporary impairment losses recognized in AOCI		(171	)		(127	)		(108	)		(103	)		(107	)		37	%		(4	%)
Net deferred gain on cash-flow hedging instruments		486			565			385			317			388			(20	%)		22	%
Total net unrealized gain (loss)		(596	)		785			(311	)		(64	)		539		NM			NM
Foreign currency translation adjustments		240			404			488			456			514			114	%		13	%
Pension and other postretirement adjustment		(1,023	)		(995	)		(1,178	)		(1,156	)		(1,130	)		(10	%)		2	%
Total accumulated other comprehensive income (loss)	$	(1,379	)	$	194		$	(1,001	)	$	(764	)	$	(77	)		94	%		90	%

7

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

	THREE MONTHS ENDED															SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			JUNE 30,
	2010			2010			2010			2011			2011			2010			2011
Numerator:
Net income	$	76		$	666		$	619		$	511		$	24		$	395		$	535
Less: MCP dividends		11			10			11			10			11			12			21
Less: Capital Purchase Program (“CPP”) preferred dividends and accretion of discount		—			—			—			—			—			482			—
Net income (loss) available to common shareholders		65			656			608			501			13			(99	)		514
Add: Impact of assumed conversion of preferred shares to common [4]		—			10			11			10			—			—			21
Net income (loss) available to common shareholders and assumed conversion of preferred shares		65			666			619			511			13			(99	)		535
Net income (loss) available to common shareholders		65			656			608			501			13			(99	)		514
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings [1]		(18	)		(40	)		55			(237	)		92			(243	)		(145	)
Less: Income (loss) from discontinued operations		(99	)		1			35			162			(80	)		(100	)		82
Core earnings available to common shareholders		182			695			518			576			1			244			577
Add: Impact of assumed conversion of preferred shares to common [4]		—			10			11			10			—			12			21
Core earnings available to common shareholders and assumed conversion of preferred shares	$	182		$	705		$	529		$	586		$	1		$	256		$	598
Denominator:
Weighted average common shares outstanding (basic)		443.9			444.1			444.3			444.6			445.1			418.8			444.9
Dilutive effect of stock compensation		1.1			1.4			1.3			1.8			1.0			1.2			1.4
Dilutive effect of CPP Warrants [2]		32.6			29.0			31.4			34.0			32.9			32.5			33.4
Dilutive effect of Allianz warrants [3]		2.6			—			—			7.1			3.4			1.9			5.2
Weighted average common shares outstanding and dilutive potential common shares (diluted), before assumed conversion of preferred shares		480.2			474.5			477.0			487.5			482.4			454.4			484.9
Dilutive effect of assumed conversion of MCP [4]		—			20.8			20.8			20.7			—			—			20.7
Weighted average common shares outstanding and dilutive potential common shares (diluted) and assumed conversion of preferred shares		480.2			495.3			497.8			508.2			482.4			454.4			505.6
Basic earnings (losses) per common share
Net income (loss) available to common shareholders	$	0.15		$	1.48		$	1.37		$	1.13		$	0.03		$	(0.24	)	$	1.16
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings, and MCP dividends		(0.04	)		(0.08	)		0.12			(0.53	)		0.21			(0.58	)		(0.33	)
Less: Income (loss) from discontinued operations		(0.22	)		—			0.08			0.36			(0.18	)		(0.24	)		0.18
Core earnings available to common shareholders	$	0.41		$	1.56		$	1.17		$	1.30		$	0.00		$	0.58		$	1.30
Diluted earnings (losses) per common share [5]
Net income (loss) available to common shareholders	$	0.14		$	1.38		$	1.27		$	1.03		$	0.03		$	(0.24	)	$	1.06
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings, and MCP dividends		—			(0.04	)		(0.03	)		(0.02	)		—			—			—
Net income (loss) available to common shareholders and assumed conversion of preferred shares	$	0.14		$	1.34		$	1.24		$	1.01		$	0.03		$	(0.24	)	$	1.06
Net income (loss) available to common shareholders	$	0.14		$	1.38		$	1.27		$	1.03		$	0.03		$	(0.24	)	$	1.06
Add: Difference arising from shares used for the denominator between net loss and core earnings		—			—			—			—			—			0.02			—
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core earnings		(0.04	)		(0.08	)		0.11			(0.47	)		0.19			(0.54	)		(0.30	)
Less: Income (loss) from discontinued operations		(0.20	)		—			0.07			0.32			(0.16	)		(0.22	)		0.17
Core earnings available to common shareholders		0.38			1.46			1.09			1.18			0.00			0.54			1.19
Add: Impact of assumed conversion of preferred shares to common		—			(0.04	)		(0.03	)		(0.03	)		—			(0.02	)		(0.01	)
Core earnings available to common shareholders and assumed conversion of preferred shares	$	0.38		$	1.42		$	1.06		$	1.15			0.00		$	0.56		$	1.18

[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. The declaration of a quarterly common stock dividend of $0.10 during the second quarter of 2011 triggered a provision in The Hartford’s Warrant Agreement with The Bank of New York Mellon resulting in an adjustment to the warrant exercise price to $9.754 from $9.773.
[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 June 30, 2010 and June 30, 2011, would have been convertible into 20.8 million and 20.7 million weighted average shares of common stock, respectively. However, the impact of applying the “if-converted” method to these shares was anti-dilutive and, therefore, the shares were not included in core earnings available to common shareholders and assumed conversion of preferred shares.
[5]	As a result of anti-dilutive impact, in periods of a loss, weighted average common shares outstanding (basic) are used in the calculation of diluted earnings per share.

8

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Net Realized Capital Gains (Losses), After-Tax and DAC
Gains/losses on sales, net	$	150		$	88		$	(29	)	$	(49	)	$	151			1	%	NM			$	121		$	102			(16	%)
Net impairment losses		(62	)		(104	)		(38	)		(29	)		(1	)		98	%		97	%		(178	)		(30	)		83	%
Japanese fixed annuity contract hedges, net [1]		17			7			4			(11	)		15			(12	%)	NM				7			4			(43	%)
Results of variable annuity hedge program
GMWB derivatives, net		(235	)		132			126			33			(70	)		70	%	NM				(151	)		(37	)		75	%
Macro hedge program		193			(187	)		(79	)		(196	)		56			(71	%)	NM				118			(140	)	NM
Total results of variable annuity hedge program		(42	)		(55	)		47			(163	)		(14	)		67	%		91	%		(33	)		(177	)	NM
Other net gain (loss) [2]		(80	)		24			80			20			(59	)		26	%	NM				(160	)		(39	)		76	%
Total net realized capital gains (losses), after-tax and DAC	$	(17	)	$	(40	)	$	64		$	(232	)	$	92		NM			NM			$	(243	)	$	(140	)		42	%
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	$	(17	)	$	(40	)	$	64		$	(232	)	$	92		NM			NM			$	(243	)	$	(140	)		42	%
Less: total net realized capital gains (losses) included in core earnings (losses)		1			—			9			5			—			(100	%)		(100	%)		—			5		NM
Total net realized capital losses, after tax and DAC, excluded from core earnings (losses)	$	(18	)	$	(40	)	$	55		$	(237	)	$	92		NM			NM			$	(243	)	$	(145	)		40	%

[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), $(12), $8, $3 and $(3) would have been recognized as an adjustment to this amount in the three months ended June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011 and June 30, 2011, respectively, and an estimated realized gain (loss) of $0 and $(5) would have been recognized as an adjustment to this amount in the six months ended June 30, 2010 and 2011, respectively.

[2]

Other net gain (loss) includes losses on Japan 3 Win related foreign currency swaps, changes in fair value on non-qualifying derivatives and fixed maturities, at fair value using the fair value option, and other investment gains and losses.

9

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

	THREE MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,
	2010			2010			2010			2011			2011
Numerator [1]:
Net income available to common shareholders — last 12 months	$	126		$	1,074		$	1,198		$	1,872		$	1,820
Core earnings available to common shareholders — last 12 months	$	1,475		$	1,588		$	1,490		$	2,013		$	1,832
Denominator [2]:
Average common stockholders’ equity, including AOCI		14,706.0			17,712.5			17,608.0			19,419.5			20,283.0
Less: Average AOCI		(3,994.5	)		(1,511.5	)		(2,156.5	)		(1,570.5	)		(728.0	)
Average common stockholders’ equity, excluding AOCI		18,700.5			19,224.0			19,764.5			20,990.0			21,011.0
ROE (net income last 12 months to common stockholders’ equity, including AOCI) [3]		0.9	%		6.1	%		6.8	%		9.6	%		9.0	%
ROE (core earnings last 12 months to common stockholders’ equity, excluding AOCI) [3]		7.9	%		8.3	%		7.5	%		9.6	%		8.7	%

[1]	For a reconciliation of net income to core earnings, 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 available to common shareholders and core earnings available to common shareholders.

10

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMPONENTS OF NET REALIZED CAPITAL GAINS (LOSSES), AFTER-TAX AND DAC, EXCLUDED FROM CORE EARNINGS (LOSSES) [1]

	Property &						Total			Total
	Casualty						Commercial			Consumer									Retirement			Mutual			Total Wealth			Corporate and
	Commercial			Group Benefits			Markets			Markets			Global Annuity			Life Insurance			Plans			Funds			Management			Other			Consolidated
Three months ended June 30, 2010
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	15		$	23		$	38		$	3		$	(110	)	$	59		$	7		$	—		$	(44	)	$	16		$	13
Less: Impacts of DAC		—			—			—			—			53			(7	)		—			—			46			—			46
Less: Impacts of tax		4			9			13			1			(58	)		23			3			(1	)		(33	)		4			(15	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	11		$	14		$	25		$	2		$	(105	)	$	43		$	4		$	1		$	(57	)	$	12		$	(18	)
Three months ended September 30, 2010
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	8		$	—		$	8		$	1		$	(329	)	$	11		$	2		$	(1	)	$	(317	)	$	48		$	(260	)
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)	$	5		$	2		$	7		$	1		$	(85	)	$	12		$	(5	)	$	(1	)	$	(79	)	$	31		$	(40	)
Three months ended December 31, 2010
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	16		$	16		$	32		$	3		$	(143	)	$	(21	)	$	(7	)	$	—		$	(171	)	$	37		$	(99	)
Less: Impacts of DAC		—			—			—			—			(192	)		(2	)		1			—			(193	)		2			(191	)
Less: Impacts of tax		5			6			11			1			20			(7	)		(3	)		(1	)		9			16			37
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	11		$	10		$	21		$	2		$	29		$	(12	)	$	(5	)	$	1		$	13		$	19		$	55
Three months ended March 31, 2011
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	(21	)	$	(13	)	$	(34	)	$	(4	)	$	(312	)	$	(32	)	$	(9	)	$	1		$	(352	)	$	(15	)	$	(405	)
Less: Impacts of DAC		—			—			—			—			(34	)		(3	)		(1	)		—			(38	)		1			(37	)
Less: Impacts of tax		(7	)		(5	)		(12	)		(1	)		(100	)		(11	)		(2	)		—			(113	)		(5	)		(131	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(14	)	$	(8	)	$	(22	)	$	(3	)	$	(178	)	$	(18	)	$	(6	)	$	1		$	(201	)	$	(11	)	$	(237	)
Three months ended June 30, 2011
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	14		$	10		$	24		$	3		$	13		$	10		$	11		$	—		$	34		$	12		$	73
Less: Impacts of DAC		—			—			—			—			51			9			6			—			66			1			67
Less: Impacts of tax		(11	)		(1	)		(12	)		(2	)		(57	)		(5	)		(9	)		—			(71	)		(1	)		(86	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	25		$	11		$	36		$	5		$	19		$	6		$	14		$	—		$	39		$	12		$	92

[1]	The above tables show the components of net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses). The impacts of DAC are calculated consistent with the Company’s accounting policy on amortization of DAC.
	The impacts of tax are calculated at an effective tax rate of 35% as applicable. Impacts of tax also includes any increase in the deferred tax asset valuation allowance.

11

THE HARTFORD FINANCIAL SERVICES GROUP, INC.

COMPONENTS OF NET REALIZED CAPITAL GAINS (LOSSES), AFTER-TAX AND DAC, EXCLUDED FROM CORE EARNINGS (LOSSES) [1]

	Property &						Total			Total
	Casualty			Group			Commercial			Consumer									Retirement			Mutual		Total Wealth			Corporate and
	Commercial			Benefits			Markets			Markets			Global Annuity			Life Insurance			Plans			Funds		Management			Other			Consolidated
Six months ended June 30, 2010
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	(12	)	$	33		$	21		$	(2	)	$	(308	)	$	32		$	(7	)	$	1	$	(282	)	$	6		$	(257	)
Less: Impacts of DAC		—			—			—			—			(8	)		(7	)		(3	)		—		(18	)		1			(17	)
Less: Impacts of tax		12			18			30			3			(66	)		20			9			—		(37	)		7			3
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	(24	)	$	15		$	(9	)	$	(5	)	$	(234	)	$	19		$	(13	)	$	1	$	(227	)	$	(2	)	$	(243	)
Six months ended June 30, 2011
Total net realized capital gains (losses) and other, before-tax and DAC, excluded from core earnings (losses)	$	(7	)	$	(3	)	$	(10	)	$	(1	)	$	(299	)	$	(22	)	$	2		$	1	$	(318	)	$	(3	)	$	(332	)
Less: Impacts of DAC		—			—			—			—			17			6			5			—		28			2			30
Less: Impacts of tax		(18	)		(6	)		(24	)		(3	)		(157	)		(16	)		(11	)		—		(184	)		(6	)		(217	)
Total net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses)	$	11		$	3		$	14		$	2		$	(159	)	$	(12	)	$	8		$	1	$	(162	)	$	1		$	(145	)

[1]	The above tables show the components of net realized capital gains (losses), net of tax and DAC, excluded from core earnings (losses). The impacts of DAC are calculated consistent with the Company’s accounting policy on amortization of DAC.
	The impacts of tax are calculated at an effective tax rate of 35%, as applicable. Impacts of tax also includes any increase in the deferred tax asset valuation allowance.

12

COMMERCIAL MARKETS

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

													Year Over
	THREE MONTHS ENDED												Year			Sequential			SIX MONTHS ENDED
	Jun. 30,		Sept. 30,		Dec. 30,		Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010		2010		2010		2011			2011			Change			Change			2010			2011			Change
Earned premiums	$	2,477	$	2,482	$	2,496	$	2,526		$	2,579			4	%		2	%	$	4,990		$	5,105			2	%
Fee income		12		15		14		16			14			17	%		(13	%)		25			30			20	%
Net investment income		355		333		347		346			345			(3	%)		—			684			691			1	%
Other revenues		25		26		24		23			26			4	%		13	%		46			49			7	%
Net realized capital gains (losses)		36		4		29		(37	)		23			(36	%)	NM				16			(14	)	NM
Total revenues		2,905		2,860		2,910		2,874			2,987			3	%		4	%		5,761			5,861			2	%
Losses and loss adjustment expenses		1,645		1,599		1,767		1,830			1,997			21	%		9	%		3,335			3,827			15	%
Amortization of deferred policy acquisition costs		355		353		350		350			353			(1	%)		1	%		711			703			(1	%)
Insurance operating costs and other expenses		468		427		454		472			461			(1	%)		(2	%)		895			933			4	%
Total benefits and expenses		2,468		2,379		2,571		2,652			2,811			14	%		6	%		4,941			5,463			11	%
Income from continuing operations before income taxes		437		481		339		222			176			(60	%)		(21	%)		820			398			(51	%)
Income tax expense [1]		122		136		87		44			11			(91	%)		(75	%)		249			55			(78	%)
Income from continuing operations		315		345		252		178			165			(48	%)		(7	%)		571			343			(40	%)
Income (loss) from discontinued operations, net of tax		3		7		1		160			(3	)	NM			NM				4			157		NM
Net income		318		352		253		338			162			(49	%)		(52	%)		575			500			(13	%)
Less: Income (loss) from discontinued operations, net of tax		3		7		1		160			(3	)	NM			NM				4			157		NM
Less: Net realized capital gains (losses), after-tax, excluded from core earnings [1][2]		25		7		21		(22	)		36			44	%	NM				(9	)		14		NM
Core earnings	$	290	$	338	$	231	$	200		$	129			(56	%)		(36	%)	$	580		$	329			(43	%)

[1]	The three and six months ended June 30, 2011 includes a benefit of $21, related to the release of a tax valuation allowance.
[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.

13

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
UNDERWRITING RESULTS
Written premiums	$	1,388		$	1,447		$	1,449		$	1,645		$	1,498			8	%		(9	%)	$	2,900		$	3,143			8	%
Change in unearned premium reserve		(27	)		8			(17	)		147			(19	)		30	%	NM				61			128			110	%
Earned premiums		1,415			1,439			1,466			1,498			1,517			7	%		1	%		2,839			3,015			6	%
Losses and loss adjustment expenses
Current accident year before catastrophes		855			888			945			962			950			11	%		(1	%)		1,746			1,912			10	%
Current accident year catastrophes		83			13			18			46			166			100	%	NM				121			212			75	%
Prior accident years [1]		(139	)		(118	)		(22	)		(6	)		31		NM			NM				(221	)		25		NM
Total losses and loss adjustment expenses		799			783			941			1,002			1,147			44	%		14	%		1,646			2,149			31	%
Underwriting expenses [2]		466			434			443			455			455			(2	%)		—			902			910			1	%
Dividends to policyholders		4			4			5			4			4			—			—			(4	)		8		NM
Underwriting results		146			218			77			37			(89	)		NM			NM			295			(52	)		NM
Net investment income		245			226			242			242			239			(2	%)		(1	%)		467			481			3	%
Periodic net coupon settlements on credit derivatives, before-tax		(2	)		(3	)		(2	)		(2	)		(1	)		50	%		50	%		(4	)		(3	)		25	%
Other expenses		(32	)		(26	)		(45	)		(40	)		(34	)		(6	%)		15	%		(67	)		(74	)		(10	%)
Income tax expense		(101	)		(121	)		(71	)		(56	)		(16	)		84	%		71	%		(195	)		(72	)		63	%
Core earnings		256			294			201			181			99			(61	%)		(45	%)		496			280			(44	%)
Add: Net realized capital gains (losses), after-tax [3]		11			5			11			(14	)		25			127	%	NM				(24	)		11		NM
Income from continuing operations, net of tax	$	267		$	299		$	212		$	167		$	124			(54	%)		(26	%)	$	472		$	291			(38	%)
Add: Income (loss) from discontinued operations, net of tax		3			7			1			160			(3	)	NM			NM				4			157		NM
Net Income	$	270		$	306		$	213		$	327		$	121			(55	%)		(63	%)	$	476		$	448			(6	%)

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

	THREE MONTHS ENDED															SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			JUNE 30,
	2010			2010			2010			2011			2011			2010			2011
Auto liability	$	(16	)	$	(26	)	$	(3	)	$	(1	)	$	—		$	(25	)	$	(1	)
Workers’ compensation		(10	)		(34	)		(17	)		(1	)		4			(19	)		3
Package business		1			(11	)		1			(7	)		3			(9	)		(4	)
General liability		(32	)		(47	)		(14	)		6			6			(47	)		12
Professional liability		(61	)		(8	)		(1	)		(9	)		2			(79	)		(7	)
Fidelity & Surety		(5	)		—			4			—			(2	)		(9	)		(2	)
Commercial Property		(2	)		1			(3	)		2			(7	)		(14	)		(5	)
Uncollectible reinsurance		(30	)		—			—			—			—			(30	)		—
Discount accretion on workers’ compensation		6			7			6			7			10			13			17
Catastrophes		4			1			—			(5	)		10			—			5
Other reserve re-estimates, net		6			(1	)		5			2			5			(2	)		7
Total prior accident years development	$	(139	)	$	(118	)	$	(22	)	$	(6	)	$	31		$	(221	)	$	25

[2]	The three months ended June 30, 2010 included taxes, licenses and fees reserve strengthening of $20 due to an increase in the assessment for New York state funds and taxes.
[3]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax, for the periods presented herein.

14

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
UNDERWRITING RESULTS
Written premiums	$	1,388		$	1,447		$	1,449		$	1,645		$	1,498			8	%		(9	%)	$	2,900		$	3,143			8	%
Change in unearned premium reserve		(27	)		8			(17	)		147			(19	)		30	%	NM				61			128			110	%
Earned premiums		1,415			1,439			1,466			1,498			1,517			7	%		1	%		2,839			3,015			6	%
Losses and loss adjustment expenses
Current accident year before catastrophes		855			888			945			962			950			11	%		(1	%)		1,746			1,912			10	%
Current accident year catastrophes		83			13			18			46			166			100	%	NM				121			212			75	%
Prior accident years [1]		(139	)		(118	)		(22	)		(6	)		31		NM			NM				(221	)		25		NM
Total losses and loss adjustment expenses		799			783			941			1,002			1,147			44	%		14	%		1,646			2,149			31	%
Underwriting expenses [2]		466			434			443			455			455			(2	%)		—			902			910			1	%
Dividends to policyholders		4			4			5			4			4			—			—			(4	)		8		NM
Underwriting results	$	146		$	218		$	77		$	37		$	(89	)		NM			NM		$	295		$	(52	)		NM
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes		60.3			61.8			64.4			64.3			62.6			(2.3	)		1.7			61.5			63.4			(1.9	)
Current accident year catastrophes		5.9			0.9			1.2			3.0			11.0			(5.1	)		(8.0	)		4.3			7.0			(2.7	)
Prior accident years [1] [3]		(9.9	)		(8.2	)		(1.5	)		(0.4	)		2.1			(12.0	)		(2.5	)		(7.8	)		0.8			(8.6	)
Total losses and loss adjustment expenses		56.4			54.5			64.2			66.9			75.6			(19.2	)		(8.7	)		57.9			71.3			(13.4	)
Expenses		33.0			30.1			30.2			30.4			30.0			3.0			0.4			31.8			30.2			1.6
Policyholder dividends		0.3			0.3			0.3			0.3			0.3			—			—			(0.1	)		0.3			(0.4	)
Combined ratio		89.6			84.9			94.7			97.5			105.8			(16.2	)		(8.3	)		89.6			101.7			(12.1	)
Catastrophes
Current year		5.9			0.9			1.2			3.0			11.0			(5.1	)		(8.0	)		4.3			7.0			(2.7	)
Prior year		0.3			—			—			(0.3	)		0.7			(0.4	)		(1.0	)		—			0.2			(0.2	)
Catastrophe ratio		6.2			0.9			1.3			2.7			11.6			(5.4	)		(8.9	)		4.3			7.2			(2.9	)
Combined ratio before catastrophes		83.5			84.0			93.5			94.8			94.2			(10.7	)		0.6			85.3			94.5			(9.2	)
Combined ratio before catastrophes and prior year development		93.6			92.2			95.0			94.9			92.8			0.8			2.1			93.1			93.9			(0.8	)
STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)
Standard Commercial Lines Renewal Written Price Increases/(Decreases) [4]		1	%		1	%		1	%		3	%		3	%		2	%		—			1	%		3	%		2	%
Standard Commercial Lines Policy Count Retention [4]		83	%		83	%		83	%		83	%		82	%		(1	%)		(1	%)		84	%		83	%		(1	%)
New Business Premium $	$	276		$	279		$	270		$	303		$	286			4	%		(5	%)	$	573		$	589			3	%
Standard Commercial Lines Policies in Force [4]		1,191,477			1,201,862			1,211,047			1,229,758			1,250,152			5	%		2	%

[1]	Refer to footnote 1 on page 14 for a summary of reserve strengthenings (releases) that are included within prior accident years development.
[2]	The three months ended June 30, 2010 included taxes, licenses and fees reserve strengthening of $20 due to an increase in the assessment for New York state funds and taxes.
[3]	Included in the prior year losses and loss adjustment expenses ratio is prior accident year development on catastrophe losses.
[4]	Standard commercial lines consist of The Hartford’s small commercial and middle market lines of business.

15

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Revenues
Premiums and other considerations
Direct premiums	$	1,060		$	1,036		$	1,025		$	1,024		$	1,058			—			3	%	$	2,139		$	2,082			(3	%)
Reinsurance premiums		2			7			5			4			4			100	%		—			12			8			(33	%)
Net premiums		1,062			1,043			1,030			1,028			1,062			—			3	%		2,151			2,090			(3	%)
Administrative Services Only (“ASO”) fees		9			10			10			11			11			22	%		—			19			22			16	%
Other fees		3			5			4			5			3			—			(40	%)		6			8			33	%
Total fee income		12			15			14			16			14			17	%		(13	%)		25			30			20	%
Total premiums and other considerations		1,074			1,058			1,044			1,044			1,076			—			3	%		2,176			2,120			(3	%)
Net investment income
Net investment income on G/A assets		101			96			95			95			96			(5	%)		1	%		200			191			(5	%)
Net investment income on assigned capital		9			11			10			9			10			11	%		11	%		17			19			12	%
Total net investment income		110			107			105			104			106			(4	%)		2	%		217			210			(3	%)
Net realized capital losses — core		—			(1	)		(1	)		(1	)		—			—			100	%		(1	)		(1	)		—
Total core revenues		1,184			1,164			1,148			1,147			1,182			—			3	%		2,392			2,329			(3	%)
Net realized gains (losses), before tax and DAC, excluded from core revenues		23			—			16			(13	)		10			(57	%)	NM				33			(3	)	NM
Total revenues		1,207			1,164			1,164			1,134			1,192			(1	%)		5	%		2,425			2,326			(4	%)
Benefits and Expenses
Benefits and losses
Death benefits		300			296			286			340			319			6	%		(6	%)		635			659			4	%
Other contract benefits		445			479			481			488			478			7	%		(2	%)		905			966			7	%
Change in reserve		101			41			59			—			53			(48	%)		—			149			53			(64	%)
Total benefits and losses		846			816			826			828			850			—			3	%		1,689			1,678			(1	%)
Other insurance expenses
Commissions & wholesaling expenses		138			139			125			136			136			(1	%)		—			282			272			(4	%)
Operating expenses		129			127			133			133			135			5	%		2	%		262			268			2	%
Premium taxes and other expenses [1]		24			22			25			31			23			(4	%)		(26	%)		46			54			17	%
Subtotal — expenses before deferral		291			288			283			300			294			1	%		(2	%)		590			594			1	%
Deferred policy acquisition costs		(10	)		(13	)		(11	)		(14	)		(13	)		(30	%)		7	%		(26	)		(27	)		(4	%)
Total other insurance expense		281			275			272			286			281			—			(2	%)		564			567			1	%
Amortization of deferred policy acquisition costs		15			15			15			14			14			(7	%)		—			31			28			(10	%)
Total benefits and expenses		1,142			1,106			1,113			1,128			1,145			—			2	%		2,284			2,273			—
Core earnings before income taxes		42			58			35			19			37			(12	%)		95	%		108			56			(48	%)
Income tax expense		8			14			5			—			7			(12	%)		—			24			7			(71	%)
Core Earnings		34			44			30			19			30			(12	%)		58	%		84			49			(42	%)
Net realized gains (losses), net of tax and DAC, excluded from core earnings [2]		14			2			10			(8	)		11			(21	%)	NM				15			3			(80	%)
Net income	$	48		$	46		$	40		$	11		$	41			(15	%)		NM		$	99		$	52			(47	%)
After-Tax Profit as % of Revenues
Core earnings		2.9	%		3.8	%		2.6	%		1.7	%		2.6	%		(0.3	)		0.9			3.6	%		2.1	%		(1.5	)
Net income		4.0	%		4.0	%		3.4	%		1.0	%		3.6	%		(0.4	)		2.6			4.2	%		2.3	%		(1.9	)

[1]	The three months ended March 31, 2011 includes a one-time payment to a third-party administrator of $8, before-tax.
[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.

16

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
PREMIUMS
Fully Insured — Ongoing Premiums
Group disability	$	469		$	472		$	470		$	462		$	452			(4	%)		(2	%)	$	950		$	914			(4	%)
Group life		514			513			513			516			512			—			(1	%)		1,026			1,028			—
Other		58			58			47			50			49			(16	%)		(2	%)		117			99			(15	%)
Total fully insured — ongoing premiums	$	1,041		$	1,043		$	1,030		$	1,028		$	1,013			(3	%)		(1	%)	$	2,093		$	2,041			(2	%)
Total buyouts [1]		21			—			—			—			49			133	%		—			58			49			(16	%)
Total premiums		1,062			1,043			1,030			1,028		$	1,062			—			3	%		2,151			2,090			(3	%)
Group disability — premium equivalents [2]		98			101			99			105			107			9	%		2	%		194			212			9	%
Total premiums and premium equivalent	$	1,160		$	1,144		$	1,129		$	1,133		$	1,169			1	%		3	%	$	2,345		$	2,302			(2	%)
SALES (GROSS ANNUALIZED NEW PREMIUMS)
Fully Insured — Ongoing Sales
Group disability	$	43		$	37		$	37		$	109		$	41			(5	%)		(62	%)	$	163		$	150			(8	%)
Group life		55			58			47			128			48			(13	%)		(63	%)		227			176			(22	%)
Other		3			5			2			7			3			—			(57	%)		7			10			43	%
Total fully insured — ongoing sales		101			100			86			244			92			(9	%)		(62	%)		397			336			(15	%)
Total buyouts [1]		21			—			—			—			49			133	%		—			58			49			(16	%)
Total sales		122			100			86			244			141			16	%		(42	%)		455			385			(15	%)
Group disability premium equivalents [2]		12			18			8			47			22			83	%		(53	%)		66			69			5	%
Total sales and premium equivalents	$	134		$	118		$	94		$	291		$	163			22	%		(44	%)	$	521		$	454			(13	%)
RATIOS [3]
Loss Ratio		78.3	%		77.1	%		79.1	%		79.3	%		78.0	%		(0.3	)		(1.3	)		77.0	%		78.7	%		1.7
Expense Ratio [4]		28.1	%		27.4	%		27.5	%		28.7	%		28.7	%		0.6			—			28.1	%		28.7	%		0.6
GAAP RESERVES [5]
Group disability	$	4,996		$	5,069		$	5,127		$	5,164			5,225			5	%		1	%
Group life		1,269			1,244			1,250			1,217			1,210			(5	%)		(1	%)
Other		83			82			79			76			75			(10	%)		(1	%)
Total GAAP reserves	$	6,348		$	6,395		$	6,456		$	6,457		$	6,510			3	%		1	%

[1]	Takeover of open claim liabilities and other non-recurring premium amounts.
[2]	ASO fees and claims under claim management agreements.
[3]	Ratios calculated excluding the effects of buyout premiums.
[4]	The three months ended March 31, 2011 includes a one-time payment to a third-party administrator totaling 0.7 points.
[5]	Reserve balances for the three months ended June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011 and June 30, 2011 are net of reinsurance recoverables of $199, $200, $209, $212, and 219, respectively.

17

CONSUMER MARKETS

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

														Year Over
	THREE MONTHS ENDED													Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,		Dec. 31,		Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010		2010		2011			2011			Change			Change			2010			2011			Change
Earned premiums	$	995		$	985	$	971	$	956		$	939			(6	%)		(2	%)	$	1,991		$	1,895			(5	%)
Net investment income		49			46		48		50			49			—			(2	%)		93			99			6	%
Other revenues		40			40		49		40			36			(10	%)		(10	%)		83			76			(8	%)
Net realized capital gains (losses)		2			1		2		(4	)		2			—		NM				(3	)		(2	)		33	%
Total revenues		1,086			1,072		1,070		1,042			1,026			(6	%)		(2	%)		2,164			2,068			(4	%)
Losses and loss adjustment expenses		822			689		739		599			904			10	%		51	%		1,523			1,503			(1	%)
Amortization of deferred policy acquisition costs		168			167		164		161			160			(5	%)		(1	%)		336			321			(4	%)
Insurance operating costs and other expenses [1]		123			118		128		120			240			95	%		100	%		247			360			46	%
Total benefits and expenses		1,113			974		1,031		880			1,304			17	%		48	%		2,106			2,184			4	%
Income (loss) before income taxes		(27	)		98		39		162			(278	)		NM			NM			58			(116	)		NM
Income tax expense (benefit)		(14	)		28		9		52			(104	)	NM			NM				15			(52	)	NM
Net income (loss)		(13	)		70		30		110			(174	)		NM			NM			43			(64	)		NM
Less: Net realized capital gains (losses), after-tax, excluded from core earnings (losses) [2]		2			1		2		(3	)		5			150	%	NM				(5	)		2		NM
Core earnings (losses)	$	(15	)	$	69	$	28	$	113		$	(179	)		NM			NM		$	48		$	(66	)		NM

[1]	The three and six months ended June 30, 2011 includes a charge of $113, before-tax, related to a discontinued software program.
[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.

18

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
UNDERWRITING RESULTS
Written premiums	$	1,033		$	1,014		$	896		$	884		$	969			(6	%)		10	%	$	1,976		$	1,853			(6	%)
Change in unearned premium reserve		38			29			(75	)		(72	)		30			(21	%)	NM				(15	)		(42	)		(180	%)
Earned premiums		995			985			971			956			939			(6	%)		(2	%)		1,991			1,895			(5	%)
Losses and loss adjustment expenses
Current accident year before catastrophes		686			681			703			616			623			(9	%)		1	%		1,353			1,239			(8	%)
Current accident year catastrophes		146			42			71			32			281			92	%	NM				187			313			67	%
Prior accident years [1]		(10	)		(34	)		(35	)		(49	)		—			100	%		100	%		(17	)		(49	)		(188	%)
Total losses and loss adjustment expenses		822			689			739			599			904			10	%		51	%		1,523			1,503			(1	%)
Underwriting expenses		241			238			237			233			236			(2	%)		1	%		482			469			(3	%)
Underwriting results		(68	)		58			(5	)		124			(201	)		(196	%)		NM			(14	)		(77	)		NM
Net investment income		49			46			48			50			49			—			(2	%)		93			99			6	%
Periodic net coupon settlements on credit derivatives, before-tax		(1	)		—			(1	)		—			(1	)		—		NM				(1	)		(1	)		—
Other expenses [2]		(10	)		(7	)		(6	)		(8	)		(128	)	NM			NM				(18	)		(136	)	NM
Income tax benefit (expense)		15			(28	)		(8	)		(53	)		102		NM			NM				(12	)		49		NM
Core earnings (losses)		(15	)		69			28			113			(179	)		NM			NM			48			(66	)		NM
Add: Net realized capital gains (losses), after-tax [3]		2			1			2			(3	)		5			150	%	NM				(5	)		2		NM
Net income (loss)	$	(13	)	$	70		$	30		$	110		$	(174	)		NM			NM		$	43		$	(64	)		NM

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

	THREE MONTHS ENDED															SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			JUNE 30,
	2010			2010			2010			2011			2011			2010			2011
Auto liability	$	(24	)	$	(41	)	$	(33	)	$	(55	)	$	(9	)	$	(41	)	$	(64	)
Homeowners		9			3			(4	)		(14	)		1			24			(13	)
Catastrophes		4			8			(1	)		19			9			3			28
Other reserve re-estimates, net		1			(4	)		3			1			(1	)		(3	)		—
Total prior accident years development	$	(10	)	$	(34	)	$	(35	)	$	(49	)	$	—		$	(17	)	$	(49	)

[2]	The three and six months ended June 30, 2011 includes a charge of $113, before-tax, related to a discontinued software program.
[3]	See pages 11 and 12 for disclosure of the components of net realized capital gains (losses), net of tax, for the periods presented herein.

19

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
UNDERWRITING RESULTS
Written premiums	$	1,033		$	1,014		$	896		$	884		$	969			(6	%)		10	%	$	1,976		$	1,853			(6	%)
Change in unearned premium reserve		38			29			(75	)		(72	)		30			(21	%)	NM				(15	)		(42	)		(180	%)
Earned premiums		995			985			971			956			939			(6	%)		(2	%)		1,991			1,895			(5	%)
Losses and loss adjustment expenses
Current accident year before catastrophes		686			681			703			616			623			(9	%)		1	%		1,353			1,239			(8	%)
Current accident year catastrophes		146			42			71			32			281			92	%	NM				187			313			67	%
Prior accident years [1]		(10	)		(34	)		(35	)		(49	)		—			100	%		100	%		(17	)		(49	)		(188	%)
Total losses and loss adjustment expenses		822			689			739			599			904			10	%		51	%		1,523			1,503			(1	%)
Underwriting expenses		241			238			237			233			236			(2	%)		1	%		482			469			(3	%)
Underwriting results	$	(68	)	$	58		$	(5	)	$	124		$	(201	)		(196	%)		NM		$	(14	)	$	(77	)		NM
UNDERWRITING RATIOS
Losses and loss adjustment expenses
Current accident year before catastrophes		69.0			69.2			72.4			64.3			66.5			2.5			(2.2	)		68.0			65.4			2.6
Current accident year catastrophes		14.6			4.3			7.3			3.4			29.9			(15.3	)		(26.5	)		9.4			16.5			(7.1	)
Prior accident years [1]		(0.9	)		(3.5	)		(3.6	)		(5.1	)		—			(0.9	)		(5.1	)		(0.8	)		(2.6	)		1.8
Total losses and loss adjustment expenses		82.6			70.0			76.0			62.6			96.4			(13.8	)		(33.8	)		76.5			79.4			(2.9	)
Expenses		24.3			24.1			24.4			24.4			25.1			(0.8	)		(0.7	)		24.2			24.7			(0.5	)
Combined ratio		106.9			94.1			100.4			87.0			121.5			(14.6	)		(34.5	)		100.7			104.1			(3.4	)
Catastrophes
Current year		14.6			4.3			7.3			3.4			29.9			(15.3	)		(26.5	)		9.4			16.5			(7.1	)
Prior year		0.5			0.7			—			2.0			1.0			(0.5	)		1.0			0.2			1.5			(1.3	)
Catastrophe ratio		15.0			5.1			7.2			5.4			30.8			(15.8	)		(25.4	)		9.5			18.0			(8.5	)
Combined ratio before catastrophes		91.8			89.1			93.2			81.6			90.6			1.2			(9.0	)		91.2			86.1			5.1
Combined ratio before catastrophes and prior year development		93.2			93.3			96.8			88.7			91.6			1.6			(2.9	)		92.2			90.1			2.1
PRODUCT
Automobile		98.7			93.3			103.1			85.7			99.5			(0.8	)		(13.8	)		96.2			92.5			3.7
Homeowners		128.8			96.3			94.1			89.2			172.8			(44.0	)		(83.6	)		112.9			130.8			(17.9	)
Total		106.9			94.1			100.4			87.0			121.5			(14.6	)		(34.5	)		100.7			104.1			(3.4	)

[1] Refer to footnote 1 on page 19 for a summary of reserve strengthenings (releases) that are included within prior accident years development.

20

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec, 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
BUSINESS UNIT
WRITTEN PREMIUMS [1]
AARP	$	752		$	743		$	653		$	647		$	724			(4	%)		12	%	$	1,423		$	1,371			(4	%)
Agency		267			258			231			224			233			(13	%)		4	%		525			457			(13	%)
Other		14			13			12			13			12			(14	%)		(8	%)		28			25			(11	%)
Total	$	1,033		$	1,014		$	896		$	884		$	969			(6	%)		10	%	$	1,976		$	1,853			(6	%)
EARNED PREMIUMS [1]
AARP	$	716		$	712		$	707		$	698		$	694			(3	%)		(1	%)	$	1,431		$	1,392			(3	%)
Agency		264			259			251			243			234			(11	%)		(4	%)		530			477			(10	%)
Other		15			14			13			15			11			(27	%)		(27	%)		30			26			(13	%)
Total	$	995		$	985		$	971		$	956		$	939			(6	%)		(2	%)	$	1,991		$	1,895			(5	%)
PRODUCT LINE
WRITTEN PREMIUMS [1]
Automobile	$	719		$	700		$	630		$	641		$	665			(8	%)		4	%	$	1,415		$	1,306			(8	%)
Homeowners		314			314			266			243			304			(3	%)		25	%		561			547			(2	%)
Total	$	1,033		$	1,014		$	896		$	884		$	969			(6	%)		10	%	$	1,976		$	1,853			(6	%)
EARNED PREMIUMS [1]
Automobile	$	711		$	698		$	684		$	672		$	657			(8	%)		(2	%)	$	1,424		$	1,329			(7	%)
Homeowners		284			287			287			284			282			(1	%)		(1	%)		567			566			—
Total	$	995		$	985		$	971		$	956		$	939			(6	%)		(2	%)	$	1,991		$	1,895			(5	%)
STATISTICAL PREMIUM INFORMATION (YEAR OVER YEAR)
Renewal Written Price Increases
Automobile		6	%		8	%		7	%		7	%		6	%		—			(1	%)		6	%		6	%		—
Homeowners		9	%		11	%		10	%		9	%		9	%		—			—			9	%		9	%		—
Policy Count Retention
Automobile		84	%		82	%		81	%		82	%		82	%		(2	%)		—			84	%		82	%		(2	%)
Homeowners		85	%		84	%		84	%		83	%		84	%		(1	%)		1	%		85	%		83	%		(2	%)
New Business Premium $
Automobile	$	82		$	74		$	62		$	66		$	75			(9	%)		14	%	$	175		$	141			(19	%)
Homeowners	$	30		$	26		$	20		$	19		$	23			(23	%)		21	%	$	60		$	42			(30	%)
Policies in force
Automobile		2,341,594			2,287,845			2,226,351			2,178,719			2,137,351			(9	%)		(2	%)
Homeowners		1,479,749			1,455,921			1,426,107			1,402,264			1,380,301			(7	%)		(2	%)

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

21

WEALTH MANAGEMENT

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
REVENUES
Earned premiums [1]	$	36		$	45		$	39		$	38		$	26			(28	%)		(32	%)	$	53		$	64			21	%
Fee income [1]		1,117			1,108			1,164			1,142			1,146			3	%		—			2,237			2,288			2	%
Net investment income (loss)
Securities available-for-sale and other		673			649			640			656			660			(2	%)		1	%		1,280			1,316			3	%
Equity securities held for trading [2]		(2,649	)		1,043			131			804			(597	)		77	%	NM				(1,948	)		207		NM
Total net investment income (loss)		(1,976	)		1,692			771			1,460			63		NM				(96	%)		(668	)		1,523		NM
Net realized capital gains — core		7			3			8			2			6			(14	%)	NM				7			8			14	%
Total core revenues		(816	)		2,848			1,982			2,642			1,241		NM				(53	%)		1,629			3,883			138	%
Net realized gains (losses) and other, before tax and DAC, excluded from core revenues		(44	)		(317	)		(171	)		(352	)		34		NM			NM				(282	)		(318	)		(13	%)
Total revenues		(860	)		2,531			1,811			2,290			1,275		NM				(44	%)		1,347			3,565			165	%
BENEFITS AND EXPENSES
Benefits, losses and loss adjustment expenses [1][3]		949			706			761			747			780			(18	%)		4	%		1,694			1,527			(10	%)
Benefits, losses and loss adjustment expenses — Returns credited on International variable annuities [2]		(2,649	)		1,043			131			803			(597	)		77	%	NM				(1,948	)		206		NM
Amortization of deferred policy acquisition costs and present value of future profits [1]		372			90			176			188			264			(29	%)		40	%		554			452			(18	%)
Insurance operating costs and other expenses		438			442			468			461			452			3	%		(2	%)		873			913			5	%
Total benefits and expenses		(890	)		2,281			1,536			2,199			899		NM				(59	%)		1,173			3,098			164	%
CORE EARNINGS
Core earnings before income taxes		74			567			446			443			342		NM				(23	%)		456			785			72	%
Income tax expense (benefit) [1][3][4]		(10	)		165			120			114			30		NM				(74	%)		77			144			87	%
Core earnings		84			402			326			329			312		NM				(5	%)		379			641			69	%
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings [1][4][5]		(57	)		(79	)		13			(201	)		39		NM			NM				(227	)		(162	)		29	%
Income (loss) from discontinued operations		(1	)		(3	)		36			—			—			100	%		—			(2	)		—			100	%
Net income		26			320			375			128			351		NM				174	%		150			479		NM

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

	THREE MONTHS ENDED															SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			JUNE 30,
	2010			2010			2010			2011			2011			2010			2011
Earned Premiums	$	(1	)	$	(5	)	$	—		$	—		$	1		$	(1	)	$	1
Fee Income		8			5			—			(1	)		2			12			1
Benefits, losses and loss adjustment expense		135			(124	)		3			(49	)		8			84			(41	)
Amortization of deferred policy acquisition costs		122			(136	)		(85	)		(45	)		27			56			(18	)
Income tax expense (benefit)		(82	)		91			33			32			(11	)		(40	)		21
Core earnings (loss)		(168	)		169			49			61			(21	)		(89	)		40
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		(62	)		27			15			1			(56	)		(56	)		(55	)
Loss from discontinued operations		—			(3	)		(1	)		—			—			—			—
Net income (loss)		(230	)		193			63			62			(77	)		(145	)		(15	)

[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]	The three and six months ended June 30, 2011 includes a tax benefit of $52 related to the resolution of a tax matter with the IRS for the computation of dividends received deductions for years 1998, 2000 and 2001.
[4]	The three and six months ended June 30, 2011 includes a benefit of $55 related to the release of a deferred tax valuation allowance.
[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.

22

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
CORE EARNINGS BY SEGMENT
Global Annuity	$	153		$	146		$	191		$	169		$	224			46	%		33	%	$	283		$	393			39	%
Life Insurance		63			57			51			55			62			(2	%)		13	%		112			117			4	%
Retirement Plans		13			10			11			17			20			54	%		18	%		23			37			61	%
Mutual Funds		23			20			24			27			27			17	%		—			50			54			8	%
Wealth Management core earnings, excluding DAC Unlock		252			233			277			268			333			32	%		24	%		468			601			28	%
DAC unlock impacts on net income		(230	)		193			63			62			(77	)		67	%	NM				(145	)		(15	)		90	%
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		5			(106	)		(2	)		(202	)		95		NM			NM				(171	)		(107	)		37	%
Income (loss) from discontinued operations		(1	)		—			37			—			—			100	%		—			(2	)		—			100	%
Wealth Management net income		26			320			375			128			351		NM				174	%		150			479		NM
DAC UNLOCK IMPACT ON REVENUES
Global Annuity	$	1		$	3		$	(2	)	$	(1	)	$	2			100	%	NM			$	—		$	1			—
Life Insurance		6			(3	)		2			—			1			(83	%)	NM				11			1			(91	%)
Total DAC unlock impact on core revenues		7			—			—			(1	)		3			(57	%)	NM				11			2			(82	%)
DAC unlock impact on net realized gains (losses), before tax and DAC, excluded from core earnings		5			(1	)		(1	)		—			3			(40	%)	NM				2			3			50	%
Total DAC unlock impact on revenues		12			(1	)		(1	)		(1	)		6			(50	%)	NM			13			5			(62	%)
DAC UNLOCK IMPACT ON CORE EARNINGS (LOSSES) BY SEGMENT
Global Annuity		(162	)		116			47			59			(15	)		91	%	NM				(83	)		44		NM
Life Insurance		(3	)		28			(1	)		(2	)		(2	)		33	%		—			(4	)		(4	)		—
Retirement Plans		(3	)		25			3			4			(4	)		(33	%)	NM				(2	)		—			100	%
DAC unlock impact on core earnings (losses) [1]		(168	)		169			49			61			(21	)		88	%	NM				(89	)		40		NM
DAC unlock impact on net realized gains (losses), net of tax and DAC, excluded from core earnings [2] [3]		(62	)		27			15			1			(56	)		10	%	NM				(56	)		(55	)		2	%
DAC unlock impact from discontinued operations		—			(3	)		(1	)		—			—			—			—			—			—			—
DAC unlock impact on net income (loss)	$	(230	)	$	193		$	63		$	62		$	(77	)		67	%	NM			$	(145	)	$	(15	)		90	%

[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 June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011 and June 30, 2011 are income tax expense (benefits) of $(40), $13, $11, $0 and $(28), respectively. Included in the six months ended June 30, 2010 and 2011 are income tax benefits of $(35) and $(28), 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.

23

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, 2010	$	3,216		$	1,680		$	85		$	2,661		$	842		$	43		$	8,527
Adjustments to unrealized gains and losses on securities available — for — sale and other		240			(63	)		1			99			(25	)		1			253
Balance excluding adjustments to unrealized gains and losses on securities available — for — sale and other		3,456			1,617			86			2,760			817			44			8,780
Capitalization		31			—			—			148			66			20			265
Amortization — Deferred Policy Acquisition Costs		(221	)		(124	)		(5	)		(54	)		(34	)		(24	)		(462	)
Amortization — Present Value of Future Profits		(2	)		—			1			(7	)		—			—			(8	)
Amortization — Realized Capital Gains / Losses		(1	)		68			(1	)		(7	)		(4	)		—			55
Amortization — Unlock — Core		27			(1	)		(1	)		(7	)		0			—			18
Amortization — Unlock — Non-core		(78	)		(1	)		1			1			(1	)		—			(78	)
Effect of Currency Translation Adjustment		—			8			—			—			—			—			8
Balance, June 30, 2011		3,212			1,567			81			2,834			844			40			8,578
Adjustments to unrealized gains and losses on securities available — for — sale and other		(215	)		61			—			(153	)		(33	)		(2	)		(342	)
Balance, June 30, 2011 including adjustments to unrealized gains and losses on securities available-for-sale and other	$	2,997		$	1,628		$	81		$	2,681		$	811		$	38		$	8,236

24

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
	June 30,			September 30,			December 31,			March 31,			June 30,
	2010			2010			2010			2011			2011
U.S. VARIABLE ANNUITY BUSINESS
S&P 500 Index Value at end of period		1,030.71			1,141.20			1,257.64			1,325.83			1,320.64
Total Account Value with Guaranteed Minimum Death Benefits (“GMDB”)	$	82,857		$	87,742		$	90,831		$	90,968		$	87,303
GMDB Gross net amount of risk		20,883			15,148			10,746			8,616			8,598
% of GMDB NAR reinsured		52	%		55	%		60	%		63	%		64	%
GMDB Retained net amount of risk		10,040			6,756			4,331			3,152			3,136
GMDB net GAAP liability [1]		480			407			367			348			347
Total Account Value with Guaranteed Minimum Withdrawal Benefits (“GMWB”)		41,085			43,504			44,803			44,616			42,501
GMWB Gross net amount of risk		4,090			2,321			1,296			744			745
% of GMWB NAR reinsured		17	%		16	%		17	%		20	%		21	%
GMWB Retained net amount of risk		3,392			1,941			1,080			595			592
GMWB Net GAAP Liability [2]		2,597			2,083			1,330			1,074			1,176
JAPAN VARIABLE ANNUITY BUSINESS
Yen / $		88.5			83.5			81.1			82.9			80.8
Total Account Value with GMDB	$	28,888		$	30,912		$	31,249		$	30,778		$	30,785
GMDB Gross net amount of risk		8,870			8,569			8,847			7,962			8,469
% of GMDB NAR reinsured		14	%		16	%		14	%		15	%		15	%
GMDB Retained net amount of risk		7,597			7,233			7,593			6,750			7,233
Total Account Value with Guaranteed Minimum Income Benefits (“GMIB”)		26,731			28,655			28,835			28,495			28,526
GMIB Retained net amount of risk [2]		5,846			5,410			5,777			4,991			5,442
GMDB/GMIB net GAAP liability [1]		616			592			652			607			635

[1]

For the three months ended June 30, 2010, there was a increase to the GMDB/GMIB liability as a result of the unlock, for U.S. and Japan variable annuity businesses of $71 and $58, respectively. For the three months ended September 30, 2010 the liability decreased by $(69) and $(59), respectively. For the three months ended December 31, 2010 the amounts were $(51) and $(46), respectively. For the three months ended March 31, 2011 the amounts were $(25) and $(21), respectively. For the three months ended June 30, 2011, the amounts were $(10) and $17, 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 net amount at risk (“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.

25

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Revenues
Premiums and other considerations
Variable annuity fees	$	534		$	533		$	553		$	545		$	541			1	%		(1	%)	$	1,076		$	1,086			1	%
Other fees [1]		45			58			55			47			51			13	%		9	%		90			98			9	%
Total fee income		579			591			608			592			592			2	%		—			1,166			1,184			2	%
Direct premiums		82			97			86			81			70			(15	%)		(14	%)		142			151			6	%
Reinsurance premiums [1]		(25	)		(28	)		(23	)		(22	)		(21	)		16	%		5	%		(48	)		(43	)		10	%
Net premiums		57			69			63			59			49			(14	%)		(17	%)		94			108			15	%
Total premiums and other considerations		636			660			671			651			641			1	%		(2	%)		1,260			1,292			3	%
Net investment income
Net investment income on G/A assets		420			377			369			381			380			(10	%)		—			815			761			(7	%)
Net investment income on equity securities held for trading		(2,649	)		1,043			131			803			(597	)		77	%	NM				(1,948	)		206		NM
Other net investment income		27			49			45			36			34			26	%		(6	%)		36			70			94	%
Total net investment income		(2,202	)		1,469			545			1,220			(183	)		92	%	NM				(1,097	)		1,037		NM
Net realized capital gains — core		8			5			10			2			6			(25	%)	NM				11			8			(27	%)
Total core revenues		(1,558	)		2,134			1,226			1,873			464		NM				(75	%)		174			2,337		NM
Net realized gains (losses) and other, before tax and DAC, excluded from core revenues		(110	)		(329	)		(143	)		(312	)		13		NM			NM				(308	)		(299	)		3	%
Total revenues		(1,668	)		1,805			1,083			1,561			477		NM				(69	%)		(134	)		2,038		NM
Benefits and Expenses
Benefits and losses
Death benefits [1]		207			(56	)		79			19			42			(80	%)		121	%		228			61			(73	%)
Other contract benefits		142			146			148			145			143			1	%		(1	%)		277			288			4	%
Change in reserve [2]		64			64			61			50			17			(73	%)		(66	%)		105			67			(36	%)
Sales inducements [1]		18			11			3			8			14			(22	%)		75	%		26			22			(15	%)
Interest credited on G/A assets [3]		246			243			192			217			252			2	%		16	%		506			469			(7	%)
Interest credited on International variable annuities		(2,649	)		1,043			131			803			(597	)		77	%	NM				(1,948	)		206		NM
Total benefits and losses		(1,972	)		1,451			614			1,242			(129	)		93	%		NM			(806	)		1,113		NM
Other insurance expenses
Commissions & wholesaling expenses		114			117			108			114			111			(3	%)		(3	%)		247			225			(9	%)
Operating expenses		85			83			98			87			88			4	%		1	%		164			175			7	%
Premium taxes and other expenses		11			12			6			10			6			(45	%)		(40	%)		23			16			(30	%)
Subtotal — expenses before deferral		210			212			212			211			205			(2	%)		(3	%)		434			416			(4	%)
Deferred policy acquisition costs		(25	)		(14	)		(18	)		(15	)		(16	)		36	%		(7	%)		(64	)		(31	)		52	%
Total other insurance expense		185			198			194			196			189			2	%		(4	%)		370			385			4	%
Amortization of deferred policy acquisition costs [1]		288			112			99			132			194			(33	%)		47	%		402			326			(19	%)
Total benefits and expenses		(1,499	)		1,761			907			1,570			254		NM				(84	%)		(34	)		1,824		NM
Core earnings (loss) before income taxes		(59	)		373			319			303			210		NM				(31	%)		208			513			147	%
Income tax expense (benefit) [1] [4]		(50	)		111			81			75			1		NM				(99	%)		8			76		NM
Core earnings (loss) [1]		(9	)		262			238			228			209		NM				(8	%)		200			437			119	%
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings [5]		(105	)		(85	)		29			(178	)		19		NM			NM				(234	)		(159	)		32	%
Loss from discontinued operations		—			(2	)		(4	)		—			—			—			—			—			—			—
Net income (loss) [1]	$	(114	)	$	175		$	263		$	50		$	228		NM			NM			$	(34	)	$	278		NM
RETURN ON ASSETS (After-tax bps)
Core earnings		(2.4	)		71.1			63.0			60.4			56.2		NM				(7	%)		26.6			58.6			120	%
Net income (loss)		(30.3	)		47.4			69.5			13.2			61.3		NM				—			(4.5	)		37.3		NM

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

	THREE MONTH ENDED															SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			JUNE 30,
	2010			2010			2010			2011			2011			2010			2011
Other Fees	$	2		$	8		$	(2	)	$	(1	)	$	1		$	1		$	—
Reinsurance Premiums		(1	)		(5	)		—			—			1			(1	)		1
Death Benefits		129			(123	)		9			(46	)		6			81			(40	)
Sales Inducements		6			—			(6	)		(3	)		2			3			(1	)
Amortization of deferred policy acquisition costs		107			(53	)		(84	)		(42	)		17			37			(25	)
Income tax expense (benefit)		(79	)		63			32			31			(8	)		(38	)		23
Core earnings (loss)		(162	)		116			47			59			(15	)		(83	)		44
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings		(60	)		32			15			—			(55	)		(58	)		(55	)
Loss from discontinued operations		—			(3	)		(1	)		—			—			—			—
Net income (loss)		(222	)		145			61			59			(70	)		(141	)		(11	)

[2]	The three and six months ended June 30, 2011 include a benefit of $28, before-tax, related to the release of reserves associated with the 3 Win product.
[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]	The three and six months ended June 30, 2011 include a tax benefit of $45 related to the resolution of a tax matter with the IRS for the computation of dividends received deductions for years 1998, 2000 and 2001.
[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.

26

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

	THREE MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,
	2010			2010			2010			2011			2011
VARIABLE ANNUITIES
Beginning balance	$	85,320		$	75,961		$	80,357		$	83,013		$	82,977
Deposits		386			297			286			250			227
Surrenders		(2,430	)		(2,275	)		(2,723	)		(2,963	)		(3,141	)
Death benefits/annuitizations/annuity payouts [1]		(393	)		(361	)		(398	)		(419	)		(392	)
Transfers		(17	)		(16	)		(3	)		(47	)		(44	)
Net Flows		(2,454	)		(2,355	)		(2,838	)		(3,179	)		(3,350	)
Change in market value/change in reserve/interest credited		(6,900	)		6,757			5,498			3,142			(281	)
Other [2]		(5	)		(6	)		(4	)		1			1
Ending balance	$	75,961		$	80,357		$	83,013		$	82,977		$	79,347
FIXED MARKET VALUE ADJUSTED (“MVA”) AND OTHER
Beginning balance	$	12,823		$	12,579		$	12,397		$	12,223		$	12,136
Deposits		36			16			19			13			20
Surrenders		(318	)		(256	)		(241	)		(173	)		(203	)
Death benefits/annuitizations/annuity payouts [1]		(142	)		(136	)		(150	)		(152	)		(167	)
Transfers		51			39			51			66			68
Net Flows		(373	)		(337	)		(321	)		(246	)		(282	)
Change in market value/change in reserve/interest credited		129			155			147			159			124
Ending balance	$	12,579		$	12,397		$	12,223		$	12,136		$	11,978
TOTAL U.S. ANNUITY
Beginning balance	$	98,143		$	88,540		$	92,754		$	95,236		$	95,113
Deposits		422			313			305			263			247
Surrenders		(2,748	)		(2,531	)		(2,964	)		(3,136	)		(3,344	)
Death benefits/annuitizations/annuity payouts [1]		(535	)		(497	)		(548	)		(571	)		(559	)
Transfers		34			23			48			19			24
Net Flows		(2,827	)		(2,692	)		(3,159	)		(3,425	)		(3,632	)
Change in market value/change in reserve/interest credited		(6,771	)		6,912			5,645			3,301			(157	)
Other [2]		(5	)		(6	)		(4	)		1			1
Ending balance	$	88,540		$	92,754		$	95,236		$	95,113		$	91,325

[1]	Includes transfers from the accumulation phase to the annuitization phase.
[2]	Includes a bonus on certain products, front end loads on A share products and annual maintenance fees.

27

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
GLOBAL ANNUITY
SUPPLEMENTAL DATA — INTERNATIONAL ANNUITY [1] — ACCOUNT VALUE ROLL FORWARD

	THREE MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,
	2010			2010			2010			2011			2011
VARIABLE ANNUITIES
Beginning balance	$	32,691		$	30,973		$	33,177		$	33,507		$	33,027
Deposits/Premiums/other		1			2			1			1			1
Surrenders		(295	)		(337	)		(363	)		(285	)		(291	)
Death benefits/annuitizations/other [2]		(147	)		(145	)		(159	)		(192	)		(166	)
Transfers		—			—			—			—			—
Net Flows		(441	)		(480	)		(521	)		(476	)		(456	)
Change in market value/currency/change in reserve/interest credited		(2,833	)		850			(57	)		610			(404	)
Effect of currency translation		1,556			1,834			908			(614	)		814
Ending balance	$	30,973		$	33,177		$	33,507		$	33,027		$	32,981
FIXED MVA AND OTHER [3]
Beginning balance	$	4,294		$	4,488		$	4,703		$	4,596		$	4,463
Surrenders		(27	)		(35	)		(58	)		(43	)		(31	)
Death benefits/annuitizations/other [2] [4]		(32	)		(28	)		(209	)		(23	)		246
Transfers		—			—			—			—			—
Net Flows		(59	)		(63	)		(267	)		(66	)		215
Change in market value/currency/change in reserve/interest credited		15			13			23			31			22
Effect of currency translation		238			265			137			(98	)		124
Ending balance	$	4,488		$	4,703		$	4,596		$	4,463		$	4,824
TOTAL INTERNATIONAL ANNUITY
Beginning balance	$	36,985		$	35,461		$	37,880		$	38,103		$	37,490
Deposits/Premiums/other		1			2			1			1			1
Surrenders		(322	)		(372	)		(421	)		(328	)		(322	)
Death benefits/annuitizations/other [2]		(179	)		(173	)		(368	)		(215	)		80
Transfers		—			—			—			—			—
Net Flows		(500	)		(543	)		(788	)		(542	)		(241	)
Change in market value/change in reserve/interest credited		(2,818	)		863			(34	)		641			(382	)
Effect of currency translation		1,794			2,099			1,045			(712	)		938
Ending balance	$	35,461		$	37,880		$	38,103		$	37,490		$	37,805

[1]	Account value data related to the offshore business was removed from this schedule for all periods presented herein as a result of the sale of this business which occurred in the three months ended, December 31, 2010.
[2]	Included in the three months ended June 30, 2011 are current period payments of $5 and interest credited of $16 related to 3 Win “GMIB” policies that triggered in fourth quarter 2008 and first quarter 2009 for option (2), which are included in the fixed MVA and other — death benefits/annuitizations/other and change in market value/change in reserve/interest credited. The 3 Win guaranteed minimum benefit “GMIB” requires the policyholder to elect one of the two options; either (1) receive 80% of their initial deposit without surrender penalty or (2) receive 100% of the initial deposit via a 15 year pay out annuity.
[3]	Of the total ending fixed MVA and other balance as of June 30, 2011 of $4.8 billion, approximately $2.6 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.
[4]	The three months ended June 30, 2011 includes an adjustment to reflect transfers from the accumulation phase to the annuitization phase, which previously were not included. The amount of transfers included in the three months ended June 30, 2011 were $162 for the years ended December 31, 2009 and prior, $78 for the year ended December 31, 2010 and $40 for the six months ended June  30, 2011. Amounts are net of annuitization payments to policyholders and prior periods include the effect of currency translation.

28

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

	THREE MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,
	2010			2010			2010			2011			2011
INSTITUTIONAL INVESTMENT PRODUCTS ACCOUNT VALUE [1]
Beginning balance	$	21,060		$	19,950		$	20,086		$	19,674		$	19,326
Deposits		12			132			87			5			4
Surrenders		(895	)		(250	)		(478	)		(455	)		(234	)
Death benefits/annuity payouts		(527	)		(260	)		(169	)		(179	)		(171	)
Net Flows		(1,410	)		(378	)		(560	)		(629	)		(401	)
Change in market value/change in reserve/interest credited		300			514			148			281			305
Ending balance	$	19,950		$	20,086		$	19,674		$	19,326		$	19,230

[1] Included in the balance is approximately $1.6 billion for the three months ended June 30, 2010 and September 30, 2010, approximately $1.4 billion for the three months ended December 31, 2010 and March 31, 2011 and approximately $1.5 billion for the three months ended June 30, 2011 related to an intrasegment funding agreement which is eliminated in consolidation.

29

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

																	Year Over
	THREE MONTHS ENDED																Year			Sequential			SIX MONTHS ENDED
		June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			3 Month			3 Month			JUNE 30,
		2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Revenues
Premiums and other considerations
Variable life fees		$	25		$	22		$	25		$	25		$	25			—			—		$	48		$	50			4	%
Cost of insurance charges			186			194			194			194			197			6	%		2	%		371			391			5	%
Other fees [1]			73			54			74			59			58			(21	%)		(2	%)		146			117			(20	%)
Total fee income			284			270			293			278			280			(1	%)		1	%		565			558			(1	%)
Direct premiums			35			35			37			35			38			9	%		9	%		68			73			7	%
Reinsurance premiums			(58	)		(60	)		(63	)		(59	)		(63	)		(9	%)		(7	%)		(113	)		(122	)		(8	%)
Net premiums			(23	)		(25	)		(26	)		(24	)		(25	)		(9	%)		(4	%)		(45	)		(49	)		(9	%)
Total premiums and other considerations			261			245			267			254			255			(2	%)		—			520			509			(2	%)
Net investment income
Net investment income on G/A assets			136			131			128			137			138			1	%		1	%		264			275			4	%
Other net investment income (loss)			(1	)		1			3			5			9		NM				80	%		(5	)		14		NM
Total net investment income			135			132			131			142			147			9	%		4	%		259			289			12	%
Net realized capital losses — core			—			—			(1	)		—			—			—			—			(1	)		—			100	%
Total core revenues			396			377			397			396			402			2	%		2	%		778			798			3	%
Net realized gains (losses) and other, before tax and DAC, excluded from core revenues			59			11			(21	)		(32	)		10			(83	%)	NM				32			(22	)	NM
Total revenues			455			388			376			364			412			(9	%)		13	%		810			776			(4	%)
Benefits and Expenses
Benefits and losses
Death benefits			100			134			113			129			134			34	%		4	%		214			263			23	%
Other contract benefits			14			8			6			8			10			(29	%)		25	%		21			18			(14	%)
Change in reserve [1]			(3	)		(1	)		(4	)		7			5		NM				(29	%)		4			12		NM
Sales inducements			—			2			1			—			1			—			—			1			1			—
Interest credited on G/A assets			91			85			87			92			87			(4	%)		(5	%)		179			179			—
Total benefits and losses			202			228			203			236			237			17	%		—			419			473			13	%
Other insurance expenses
Commissions & wholesaling expenses			40			48			51			44			46			15	%		5	%		80			90			13	%
Operating expenses			69			65			77			64			68			(1	%)		6	%		131			132			1	%
Premium taxes and other expenses			16			10			26			14			17			6	%		21	%		31			31			—
Subtotal — expenses before deferral			125			123			154			122			131			5	%		7	%		242			253			5	%
Deferred policy acquisition costs			(68	)		(79	)		(85	)		(70	)		(78	)		(15	%)		(11	%)		(132	)		(148	)		(12	%)
Total other insurance expense			57			44			69			52			53			(7	%)		2	%		110			105			(5	%)
Amortization of deferred policy acquisition costs and present value of future profits [1]			50			(13	)		52			34			34			(32	%)		—			98			68			(31	%)
Total benefits and expenses			309			259			324			322			324			5	%		1	%		627			646			3	%
Core earnings before income taxes			87			118			73			74			78			(10	%)		5	%		151			152			1	%
Income tax expense (benefit) [1] [2]			27			33			23			21			18			(33	%)		(14	%)		43			39			(9	%)
Core earnings [1]			60			85			50			53			60			—			13	%		108			113			5	%
Net realized gains (losses), net of tax and DAC, excluded from core earnings [3]			43			12			(12	)		(18	)		6			(86	%)	NM				19			(12	)	NM
Net income [1]		$	103		$	97		$	38		$	35		$	66			(36	%)		89	%	$	127		$	101			(20	%)
Earnings Margin (After-tax)
Core earnings			15.2	%		22.5	%		12.6	%		13.4	%		14.9	%		(0.3	)		1.5			13.9	%		14.2	%		0.3
Net income			22.6	%		25.0	%		10.1	%		9.6	%		16.0	%		(6.6	)		6.4			15.7	%		13.0	%		(2.7	)

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

	THREE MONTH ENDED															SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			JUNE 30,
	2010			2010			2010			2011			2011			2010			2011
Other Fees	$	6		$	(3	)	$	2		$	—		$	1		$	11		$	1
Change in reserve		—			(2	)		—			—			—			—			—
Amortization of deferred policy acquisition costs		11			(46	)		3			3			4			17			7
Income tax expense (benefit)		(2	)		15			—			(1	)		(1	)		(2	)		(2	)
Core earnings (loss)		(3	)		28			(1	)		(2	)		(2	)		(4	)		(4	)
Net realized gains (losses) and other, net of tax and DAC, excluded from core earnings (losses)		—			1			—			1			—			4			1
Net income (loss)		(3	)		29			(1	)		(1	)		(2	)		—			(3	)

[2]	The three and six months ended June 30, 2011 include a tax benefit of $3 related to the resolution of a tax matter with the IRS for the computation of dividends received deductions for years 1998, 2000 and 2001.
[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.

30

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

											Year Over
	THREE MONTHS ENDED										Year			Sequential			SIX MONTHS ENDED
	June 30,		Sept. 30,		Dec. 31,		March 31,		June 30,		3 Month			3 Month			JUNE 30,
	2010		2010		2010		2011		2011		Change			Change			2010		2011		Change
SALES BY DISTRIBUTION [1]
National Accounts	$	23	$	26	$	26	$	22	$	28		24	%		29	%	$	46	$	50		10	%
Independent		23		28		25		28		25		8	%		(11	%)		45		53		18	%
Other		3		3		3		4		3		(12	%)		(34	%)		6		7		11	%
Total sales by distribution	$	49	$	57	$	54	$	54	$	56		14	%		4	%	$	97	$	110		13	%
SALES BY PRODUCT [1]
Variable Life	$	9	$	8	$	7	$	7	$	8		(11	%)		14	%	$	17	$	15		(12	%)
Universal life		36		45		43		43		43		19	%		—			71		86		21	%
Term/other life		4		4		4		4		5		25	%		25	%		9		9		—
Total sales by product	$	49	$	57	$	54	$	54	$	56		14	%		4	%	$	97	$	110		13	%
PREMIUMS & DEPOSITS
Variable life	$	136	$	136	$	148	$	127	$	130		(4	%)		2	%	$	273	$	257		(6	%)
Universal life/other life		265		294		329		288		318		20	%		10	%		520		606		17	%
Term/other		37		37		42		37		39		5	%		5	%		73		76		4	%
Total Premiums & Deposits	$	438	$	467	$	519	$	452	$	487		11	%		8	%	$	866	$	939		8	%
ACCOUNT VALUE
General account	$	6,429	$	6,551	$	6,690	$	6,808	$	6,954		8	%		2	%
Separate account		4,951		5,201		5,553		5,662		5,412		9	%		(4	%)
Total account value	$	11,380	$	11,752	$	12,243	$	12,470	$	12,366		9	%		(1	%)
ACCOUNT VALUE BY PRODUCT
Variable life	$	5,507	$	5,757	$	6,115	$	6,235	$	5,993		9	%		(4	%)
Universal life/other life		5,873		5,995		6,128		6,235		6,373		9	%		2	%
Total account value by product	$	11,380	$	11,752	$	12,243	$	12,470	$	12,366		9	%		(1	%)
LIFE INSURANCE IN-FORCE
Variable life	$	76,445	$	75,399	$	74,044	$	72,946	$	71,977		(6	%)		(1	%)
Universal life		56,571		57,734		58,789		59,613		60,759		7	%		2	%
Term		72,625		73,959		75,797		77,138		78,714		8	%		2	%
Total life insurance in-force	$	205,641	$	207,092	$	208,630	$	209,697	$	211,450		3	%		1	%

[1] Sales are reported using Commissionable Weighted Premium. Beginning in the first quarter of 2011, the Company now reports life insurance sales on a cash-received basis. Historical sales have been restated to a cash-received basis.

31

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

	THREE MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,
	2010			2010			2010			2011			2011
VARIABLE LIFE
Beginning balance	$	5,900		$	5,507		$	5,757		$	6,115		$	6,235
First year & single premiums		17			18			15			13			16
Renewal premiums		119			118			133			114			114
Premiums and deposits		136			136			148			127			130
Surrenders		(89	)		(93	)		(106	)		(98	)		(102	)
Death benefits		(24	)		(18	)		(14	)		(19	)		(17	)
Net Flows		23			25			28			10			11
Policy fees		(118	)		(118	)		(123	)		(108	)		(111	)
Change in market value/interest credited		(298	)		343			453			218			(142	)
Ending balance	$	5,507		$	5,757		$	6,115		$	6,235		$	5,993
UNIVERSAL LIFE [1]
Beginning balance	$	5,781		$	5,873		$	5,995		$	6,128		$	6,235
First year & single premiums		127			154			165			143			165
Renewal premiums		138			140			164			145			153
Premiums and deposits		265			294			329			288			318
Surrenders		(40	)		(43	)		(49	)		(43	)		(36	)
Death benefits		(36	)		(25	)		(30	)		(35	)		(29	)
Net Flows		189			226			250			210			253
Policy fees		(154	)		(161	)		(177	)		(160	)		(173	)
Change in market value/interest credited		57			57			60			57			58
Ending balance	$	5,873		$	5,995		$	6,128		$	6,235		$	6,373
INDIVIDUAL LIFE
Beginning balance	$	11,681		$	11,380		$	11,752		$	12,243		$	12,470
First year & single premiums		144			172			180			156			181
Renewal premiums		257			258			297			259			267
Premiums and deposits		401			430			477			415			448
Surrenders		(129	)		(136	)		(155	)		(141	)		(138	)
Death benefits		(60	)		(43	)		(44	)		(54	)		(46	)
Net Flows		212			251			278			220			264
Policy fees		(272	)		(279	)		(300	)		(268	)		(284	)
Change in market value/interest credited		(241	)		400			513			275			(84	)
Ending balance	$	11,380		$	11,752		$	12,243		$	12,470		$	12,366

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

32

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			3 Month			3 Month
	2010			2010			2010			2011			2011			Change			Change
PRIVATE PLACEMENT LIFE INSURANCE ACCOUNT VALUE
General account	$	1,732		$	1,743		$	1,756		$	1,757		$	1,760			2	%		—
Non-guaranteed separate account		33,317			33,815			34,286			34,667			34,940			5	%		1	%
Total Private Placement Life Insurance account value	$	35,049		$	35,558		$	36,042		$	36,424		$	36,700			5	%		1	%
PRIVATE PLACEMENT LIFE INSURANCE ACCOUNT VALUE ROLL FORWARD
Beginning balance	$	35,241		$	35,049		$	35,558		$	36,042		$	36,424
Deposits		68			29			66			20			40
Surrenders		(272	)		(11	)		1			(4	)		(8	)
Death benefits/annuity payouts		(38	)		(35	)		(37	)		(38	)		(49	)
Net Flows		(242	)		(17	)		30			(22	)		(17	)
Change in market value/change in reserve/interest credited		112			575			477			458			348
Other [1]		(62	)		(49	)		(23	)		(54	)		(55	)
Ending balance	$	35,049		$	35,558		$	36,042		$	36,424		$	36,700

[1] Primarily consists of cost of insurance and mortality & expense charges.

33

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Revenues
Premiums and other considerations
Variable annuity and life fees	$	56		$	57		$	63		$	65		$	67			20	%		3	%	$	110		$	132			20	%
Mutual fund and other fees		31			31			29			29			32			3	%		10	%		62			61			(2	%)
Total fee income		87			88			92			94			99			14	%		5	%		172			193			12	%
Direct premiums		2			1			2			3			2			—			(33	%)		4			5			25	%
Total premiums and other considerations		89			89			94			97			101			13	%		4	%		176			198			13	%
Net investment income
Net investment income on G/A assets		91			92			94			96			96			5	%		—			170			192			13	%
Other net investment income		2			1			3			3			4			100	%		33	%		4			7			75	%
Total net investment income		93			93			97			99			100			8	%		1	%		174			199			14	%
Net realized losses — core		(1	)		(2	)		(1	)		—			—			100	%		—			(3	)		—			100	%
Total core revenues		181			180			190			196			201			11	%		3	%		347			397			14	%
Net realized gains (losses), before tax and DAC, excluded from core revenues		7			2			(7	)		(9	)		11			57	%	NM				(7	)		2		NM
Total revenues		188			182			183			187			212			13	%		13	%		340			399			17	%
Benefits and Expenses
Benefits and losses
Death benefits [1]		1			(1	)		—			1			(2	)	NM			NM				1			(1	)	NM
Other contract benefits		15			15			15			16			15			—			(6	%)		30			31			3	%
Change in reserve		(6	)		(6	)		(5	)		(7	)		(5	)		17	%		29	%		(17	)		(12	)		29	%
Sales inducements [1]		—			—			—			—			1			—			—			—			1			—
Interest credited on G/A assets		60			63			64			62			66			10	%		6	%		119			128			8	%
Total benefits and losses		70			71			74			72			75			7	%		4	%		133			147			11	%
Other insurance expenses
Commissions & wholesaling expenses		40			44			48			49			46			15	%		(6	%)		85			95			12	%
Operating expenses		69			67			72			70			68			(1	%)		(3	%)		139			138			(1	%)
Premium taxes and other expenses		4			6			6			7			6			50	%		(14	%)		10			13			30	%
Subtotal — expenses before deferral		113			117			126			126			120			6	%		(5	%)		234			246			5	%
Deferred policy acquisition costs		(32	)		(33	)		(36	)		(36	)		(30	)		6	%		17	%		(68	)		(66	)		3	%
Total other insurance expense		81			84			90			90			90			11	%		—			166			180			8	%
Amortization of deferred policy acquisition costs [1]		21			(22	)		12			10			24			14	%		140	%		29			34			17	%
Total benefits and expenses		172			133			176			172			189			10	%		10	%		328			361			10	%
Core earnings before income taxes		9			47			14			24			12			33	%		(50	%)		19			36			89	%
Income tax expense (benefit) [1] [2]		(1	)		12			—			3			(4	)	NM			NM				(2	)		(1	)		50	%
Core earnings		10			35			14			21			16			60	%		(24	%)		21			37			76	%
Net realized gains (losses), net of tax and DAC, excluded from core earnings [3]		4			(5	)		(5	)		(6	)		14		NM			NM				(13	)		8		NM
Net income	$	14		$	30		$	9		$	15		$	30			114	%		100	%	$	8		$	45		NM
RETURN ON ASSETS (After-tax bps)
Core earnings		8.9			29.7			11.0			15.6			11.5			29	%		(26	%)		9.4			13.7			46	%
Net income (loss)		12.4			25.4			7.1			11.1			21.6			74	%		95	%		3.6			16.7		NM

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

	THREE MONTH ENDED															SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			JUNE 30,
	2010			2010			2010			2011			2011			2010			2011
Death Benefits	$	—		$	—		$	—		$	—		$	—		$	—		$	—
Sales Inducements		—			(1	)		—			—			—			—			—
Amortization of deferred policy acquisition costs		4			(37	)		(4	)		(6	)		6			2			—
Income tax expense (benefit)		(1	)		13			1			2			(2	)		—			—
Core earnings (loss)		(3	)		25			3			4			(4	)		(2	)		—
Less: Net realized gains (losses), net of tax and DAC, excluded from core earnings		(2	)		(6	)		—			—			(1	)		(2	)		(1	)
Net income (loss)		(5	)		19			3			4			(5	)		(4	)		(1	)

[2]	The three and six months ended June 30, 2011 include a tax benefit of $4 related to the resolution of a tax matter with the IRS for the computation of dividends received deductions for years 1998, 2000 and 2001.
[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.

34

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
RETIREMENT PLANS

SUPPLEMENTAL DATA — ASSETS UNDER MANAGEMENT

											Year Over
	THREE MONTHS ENDED										Year			Sequential
	June 30,		Sept. 30,		Dec. 31,		March 31,		June 30,		3 Month			3 Month
	2010		2010		2010		2011		2011		Change			Change
RETIREMENT PLANS TOTAL
General account	$	6,929	$	7,171	$	7,280	$	7,502	$	7,638		10	%		2	%
Guaranteed separate account		2		3		6		—		—		(100	%)		—
Non-guaranteed separate account		21,012		23,464		25,654		27,522		27,443		31	%		—
Total Retirement Plans account value	$	27,943	$	30,638	$	32,940	$	35,024	$	35,081		26	%		—
401(k)/403(b)/457 mutual funds		15,848		18,602		19,578		20,324		20,474		29	%		1	%
Total Retirement Plans Assets Under Management	$	43,791	$	49,240	$	52,518	$	55,348	$	55,555		27	%		—

35

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

	THREE MONTHS ENDED,
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,
	2010			2010			2010			2011			2011
401(k) GROUP ANNUITY ACCOUNT VALUE
Beginning balance	$	17,776		$	16,926		$	18,764		$	20,291		$	21,891
Deposits		1,155			1,108			1,211			1,807			1,194
Surrenders		(706	)		(688	)		(874	)		(921	)		(1,049	)
Death benefits/annuity payouts		(17	)		(15	)		(18	)		(18	)		(20	)
Transfers [1]		—			—			—			(26	)		1
Net Flows		432			405			319			842			126
Change in market value/change in reserve/interest credited		(1,283	)		1,415			1,209			758			(54	)
Other		1			18			(1	)		—			—
Ending balance	$	16,926		$	18,764		$	20,291		$	21,891		$	21,963
403(b)/457 GROUP ANNUITY ACCOUNT VALUE
Beginning balance	$	11,502		$	11,017		$	11,874		$	12,649		$	13,133
Deposits		314			395			369			359			326
Surrenders		(195	)		(210	)		(239	)		(255	)		(347	)
Death benefits/annuity payouts		(12	)		(11	)		(12	)		(12	)		(12	)
Net Flows		107			174			118			92			(33	)
Change in market value/change in reserve/interest credited		(592	)		680			658			392			18
Other		—			3			(1	)		—			—
Ending balance	$	11,017		$	11,874		$	12,649		$	13,133		$	13,118
401(k)/403(b)/457 MUTUAL FUNDS ASSETS
Beginning balance	$	17,186		$	15,848		$	18,602		$	19,578		$	20,324
Reclassificiation of AUA to AUM [2]		—			1,294			—			—			267
Deposits		504			525			491			697			549
Surrenders		(804	)		(596	)		(825	)		(995	)		(814	)
Death benefits/annuity payouts		—			—			—			—			(2	)
Transfers [1]		—			—			—			26			(1	)
Net Flows		(300	)		(71	)		(334	)		(272	)		(268	)
Change in market value/change in reserve/interest credited		(1,037	)		1,552			1,308			1,018			151
Other		(1	)		(21	)		2			—			—
Ending balance	$	15,848		$	18,602		$	19,578		$	20,324		$	20,474
TOTAL RETIREMENT
Beginning balance	$	46,464		$	43,791		$	49,240		$	52,518		$	55,348
Reclassificiation of AUA to AUM [2]		—			1,294			—			—			267
Deposits		1,973			2,028			2,071			2,863			2,069
Surrenders		(1,705	)		(1,494	)		(1,938	)		(2,171	)		(2,210	)
Death benefits/annuity payouts		(29	)		(26	)		(30	)		(30	)		(34	)
Net Flows		239			508			103			662			(175	)
Change in market value/change in reserve/interest credited		(2,912	)		3,647			3,175			2,168			115
Ending balance	$	43,791		$	49,240		$	52,518		$	55,348		$	55,555

[1]	Includes internal product exchanges, policyholder balance transfers from the accumulation phase to the annuitization phase, and death benefit remaining on deposit.
[2]	Specific plans were identified that required reclassification from AUA to AUM.

36

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Revenues
Premiums and other considerations
Fee income	$	167		$	159		$	171		$	178		$	175			5	%		(2	%)	$	334		$	353			6	%
Net investment loss
Net investment income on G/A assets		1			—			—			—			—			(100	%)		—			1			—			(100	%)
Net investment loss on assigned capital		(3	)		(2	)		(2	)		(1	)		(1	)		67	%		—			(5	)		(2	)		60	%
Total net investment loss		(2	)		(2	)		(2	)		(1	)		(1	)		50	%		—			(4	)		(2	)		50	%
Total core revenues		165			157			169			177			174			5	%		(2	%)		330			351			6	%
Net realized capital gains (losses), before tax and DAC, excluded from core revenues		—			(1	)		—			1			—			—			(100	%)		1			1			—
Total revenues		165			156			169			178			174			5	%		(2	%)		331			352			6	%
Benefits and Expenses
Benefits and claims
Interest credited on G/A assets		—			(1	)		1			—			—			—			—			—			—			—
Total benefits and claims		—			(1	)		1			—			—			—			—			—			—			—
Other insurance expenses
Commissions & wholesaling expenses		90			81			95			101			94			4	%		(7	%)		180			195			8	%
Operating expenses		28			29			31			29			31			11	%		7	%		58			60			3	%
Premium taxes and other expenses		6			13			(1	)		4			4			(33	%)		—			9			8			(11	%)
Subtotal — expenses before deferral		124			123			125			134			129			4	%		(4	%)		247			263			6	%
Deferred policy acquisition costs		(9	)		(7	)		(10	)		(11	)		(9	)		—			18	%		(20	)		(20	)		—
Total other insurance expense		115			116			115			123			120			4	%		(2	%)		227			243			7	%
Amortization of deferred policy acquisition costs		13			13			13			12			12			(8	%)		—			25			24			(4	%)
Total benefits and expenses		128			128			129			135			132			3	%		(2	%)		252			267			6	%
Core earnings before income taxes		37			29			40			42			42			14	%		—			78			84			8	%
Income tax expense		14			9			16			15			15			7	%		—			28			30			7	%
Core earnings		23			20			24			27			27			17	%		—			50			54			8	%
Net realized gains (losses), net of tax and DAC, excluded from core earnings [1]		1			(1	)		1			1			—			(100	%)		(100	%)		1			1			—
Income (Loss) from discontinued operations [2]		(1	)		(1	)		40			—			—			100	%		—			(2	)		—			100	%
Net income	$	23		$	18		$	65		$	28			27			17	%		(4	%)	$	49		$	55			12	%
RETURN ON ASSETS (After-tax bps)
Core earnings		10.1			8.9			9.9			10.6			10.6			5	%		—			11.2			10.8			(4	%)
Net income		9.9			7.9			26.6			11.0			10.6			7	%		(4	%)		10.9			11.0			1	%

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

37

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
WEALTH MANAGEMENT
MUTUAL FUNDS
SUPPLEMENTAL DATA [1]

											Year Over
	THREE MONTHS ENDED										Year			Sequential			SIX MONTHS ENDED
	June 30,		Sept. 30,		Dec. 31,		March 31,		June 30,		3 Month			3 Month			JUNE 30,
	2010		2010		2010		2011		2011		Change			Change			2010		2011		Change
NON-PROPRIETARY MUTUAL FUNDS DEPOSITS
Retail Mutual Funds	$	3,444	$	2,505	$	3,355	$	3,934	$	3,131		(9	%)		(20	%)	$	6,872	$	7,065		3	%
Investment Only Mutual Funds		693		424		604		807		676		(2	%)		(16	%)		1,478		1,483		—
529 College Savings Plan		45		52		71		80		65		44	%		(19	%)		90		145		61	%
Total Non-Proprietary Mutual Funds Deposits	$	4,182	$	2,981	$	4,030	$	4,821	$	3,872		(7	%)		(20	%)	$	8,440	$	8,693		3	%
ASSETS UNDER MANAGEMENT
Retail mutual fund assets	$	41,162	$	44,788	$	48,753	$	51,064	$	49,584		20	%		(3	%)
Investment Only mutual fund assets		4,919		5,570		6,659		7,298		6,954		41	%		(5	%)
Proprietary mutual fund assets [2]		39,402		41,778		43,602		44,044		42,204		7	%		(4	%)
529 College Savings Plan assets		1,202		1,328		1,472		1,583		1,612		34	%		2	%
Total Mutual Fund Assets	$	86,685	$	93,464	$	100,486	$	103,989	$	100,354		16	%		(3	%)

[1]	Supplemental data related to the Canadian business was removed from this schedule for all periods presented herein as a result of the sale of this business which occurred in the three months ended December 31, 2010. Approximately $1.8 billion of AUM were transferred out to a third party as a result of the sale.
[2]	Includes Company sponsored mutual fund assets that are held in separate accounts supporting variable insurance and investment products.

38

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

	THREE MONTHS ENDED
	June 30,			Sept. 30,			Dec. 31,			March 31,			June 30,
	2010			2010			2010			2011			2011
NON-PROPRIETARY MUTUAL FUNDS
Beginning balance	$	51,747		$	47,283		$	51,686		$	56,884		$	59,945
Deposits		4,182			2,981			4,030			4,821			3,872
Redemptions		(3,357	)		(3,180	)		(3,471	)		(3,827	)		(5,054	)
Net Flows		825			(199	)		559			994			(1,182	)
Change in market value		(5,261	)		4,623			4,749			2,095			(635	)
Other [1]		(28	)		(21	)		(110	)		(28	)		22
Ending balance	$	47,283		$	51,686		$	56,884		$	59,945		$	58,150
PROPRIETARY MUTUAL FUNDS [2]
Beginning balance	$	44,403		$	39,402		$	41,778		$	43,602		$	44,044
Net Flows		(1,140	)		(1,299	)		(1,571	)		(1,507	)		(1,604	)
Change in market value		(3,861	)		3,675			3,395			1,949			(236	)
Ending balance	$	39,402		$	41,778		$	43,602		$	44,044		$	42,204

[1]	Includes front end loads on A share products.
[2]	Includes Company sponsored mutual fund assets that are held in separate accounts supporting variable insurance and investment products.

39

CORPORATE AND OTHER

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

																Year Over
	THREE MONTHS ENDED															Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Earned premiums	$	(2	)	$	1		$	3		$	(1	)	$	1		NM			NM			$	(1	)	$	—		NM
Fee income		52			46			44			53			53			2	%		—			97			106			9	%
Net investment income		71			45			54			55			50			(30	%)		(9	%)		145			105			(28	%)
Net realized capital gains (losses)		13			47			39			(14	)		10			(23	%)	NM				4			(4	)	NM
Other revenues		—			—			(1	)		1			(1	)	NM			NM				—			—			100	%
Total revenues		134			139			139			94			113			(16	%)		20	%		245			207			(16	%)
Benefits, losses and loss adjustment expenses		170			64			13			5			287			69	%	NM				172			292			70	%
Insurance operating costs and other expenses [1]		82			59			85			67			71			(13	%)		6	%		211			138			(35	%)
Interest expense		132			128			128			128			128			(3	%)		—			252			256			2	%
Total benefits and expenses		384			251			226			200			486			27	%		143	%		635			686			8	%
Loss from continuing operations before income taxes		(250	)		(112	)		(87	)		(106	)		(373	)		(49	%)	NM				(390	)		(479	)		(23	%)
Income tax benefit [2]		(96	)		(39	)		(50	)		(39	)		(135	)		(41	%)	NM				(119	)		(174	)		(46	%)
Loss from continuing operations		(154	)		(73	)		(37	)		(67	)		(238	)		(55	%)	NM				(271	)		(305	)		(13	%)
Add: Income (loss) from discontinued operations [3]		(101	)		(3	)		(2	)		2			(77	)		24	%	NM				(102	)		(75	)		26	%
Net Loss		(255	)		(76	)		(39	)		(65	)		(315	)		(24	%)	NM				(373	)		(380	)		(2	%)
Less: Net realized capital gains (losses), net of tax and DAC, excluded from core losses [4]		12			31			19			(11	)		12			—		NM				(2	)		1		NM
Less: Income (loss) from discontinued operations [3]		(101	)		(3	)		(2	)		2			(77	)		24	%	NM				(102	)		(75	)		26	%
Core losses	$	(166	)	$	(104	)	$	(56	)	$	(56	)	$	(250	)		(51	%)	NM			$	(269	)	$	(306	)		(14	%)

[1]	Includes a before-tax charge of $73 for a litigation settlement in the six months ended June 30, 2010.
[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 and six months ended June 30, 2010 includes a goodwill impairment of $101, after-tax, related to the purchase of the Federal Trust Corporation. Additionally, the three and six months ended June 30, 2011 includes an after-tax charge of $74 related to the disposition of Federal Trust Corporation.
[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.

40

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

															Year Over
	THREE MONTHS ENDED														Year			Sequential			SIX MONTHS ENDED
	Jun. 30,			Sept. 30,			Dec. 31,		Mar, 31			Jun. 30,			3 Month			3 Month			JUNE 30,
	2010			2010			2010		2011			2011			Change			Change			2010			2011			Change
Earned premiums	$	1		$	—		$	—	$	—		$	—			(100	%)		—		$	1		$	—			(100	%)
Net investment income		42			40			40		39			37			(12	%)		(5	%)		83			76			(8	%)
Net realized capital gains (losses)		20			7			1		(3	)		4			(80	%)	NM				16			1			(94	%)
Other revenues		—			—			—		1			(1	)		—		NM				—			—			—
Total revenues		63			47			41		37			40			(37	%)		8	%		100			77			(23	%)
Losses and loss adjustment expenses [1]		172			63			15		4			286			66	%	NM				173			290			68	%
Insurance operating costs and expenses		6			5			11		7			6			—			(14	%)		14			13			(7	%)
Total benefits and expenses		178			68			26		11			292			64	%	NM				187			303			62	%
Income (loss) before income taxes		(115	)		(21	)		15		26			(252	)		(119	%)	NM				(87	)		(226	)		(160	%)
Income tax expense (benefit)		(42	)		(9	)		1		5			(88	)		(110	%)	NM				(32	)		(83	)		(159	%)
Net income (loss)		(73	)		(12	)		14		21			(164	)		(125	%)	NM				(55	)		(143	)		(160	%)
Less: Net realized capital gains (losses), after-tax, excluded from core earnings (losses) [2]		13			6			1		(2	)		3			(77	%)	NM				9			1			(89	%)
Core earnings (losses)	$	(86	)	$	(18	)	$	13	$	23		$	(167	)		(94	%)	NM			$	(64	)	$	(144	)		(125	%)

[1]	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. The three months ended June 30, 2011 included net asbestos reserve strengthening of $290.
[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.

41

CONSOLIDATED
INVESTMENTS

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

																Year Over
	Three Months Ended															Year			Sequential			Six Months Ended
	Jun. 30,			Sept. 30,			Dec. 31,			Mar. 31,			Jun. 30,			3 Month			3 Month			June 30,
	2010			2010			2010			2011			2011			Change			Change			2010			2011			Change
Net Investment Income (Loss)
Fixed maturities [1]
Taxable	$	754		$	739		$	736		$	719		$	744			(1	%)		3	%	$	1,497		$	1,463			(2	%)
Tax-exempt		133			128			125			127			126			(5	%)		(1	%)		264			253			(4	%)
Total fixed maturities		887			867			861			846			870			(2	%)		3	%		1,761			1,716			(3	%)
Equity securities, trading		(2,649	)		1,043			131			803			(597	)		77	%	NM				(1,948	)		206		NM
Equity securities, available-for-sale		13			12			14			11			8			(38	%)		(27	%)		27			19			(30	%)
Mortgage loans		63			64			67			63			67			6	%		6	%		129			130			1	%
Policy loans		35			33			31			33			34			(3	%)		3	%		68			67			(1	%)
Limited partnerships and other alternative investments [2]		86			49			75			100			78			(9	%)		(22	%)		92			178			93	%
Other [3]		90			77			78			81			77			(14	%)		(5	%)		174			158			(9	%)
Subtotal		(1,475	)		2,145			1,257			1,937			537		NM				(72	%)		303			2,474		NM
Less: Investment expense		26			29			37			26			30			15	%		15	%		49			56			14	%
Total net investment income	$	(1,501	)	$	2,116		$	1,220		$	1,911		$	507			NM			(73	%)	$	254		$	2,418		NM
Less: Equity securities, trading		(2,649	)		1,043			131			803			(597	)		77	%	NM				(1,948	)		206		NM
Total net investment income excluding trading securities	$	1,148		$	1,073		$	1,089		$	1,108		$	1,104			(4	%)		—		$	2,202		$	2,212			—
Annualized investment yield, before-tax [4]		4.8	%		4.4	%		4.5	%		4.6	%		4.6	%		(0.2	)		—			4.5	%		4.6	%		0.1
Annualized investment yield, after-tax [4]		3.3	%		3.1	%		3.1	%		3.2	%		3.1	%		(0.2	)		(0.1	)		3.1	%		3.1	%		—
Net Realized Capital Gains (Losses)
Gross gains on sales	$	343		$	179		$	182		$	61		$	261			(24	%)	NM			$	475		$	322			(32	%)
Gross losses on sales		(94	)		(88	)		(229	)		(133	)		(98	)		(4	%)		26	%		(205	)		(231	)		(13	%)
Net impairment losses		(108	)		(115	)		(59	)		(55	)		(23	)		79	%		58	%		(260	)		(78	)		70	%
Valuation allowances on mortgage loans		(40	)		(4	)		2			(3	)		26		NM			NM				(152	)		23		NM
Japanese fixed annuity contract hedges, net [5]		27			11			5			(17	)		6			(78	%)	NM				11			(11	)	NM
Periodic net coupon settlements on credit derivatives/Japan [6]		(4	)		(4	)		(2	)		(7	)		(2	)		50	%		71	%		(11	)		(9	)		18	%
Results of variable annuity hedge program
GMWB derivatives, net		(426	)		170			238			71			(37	)		91	%	NM				(297	)		34		NM
Macro hedge		397			(443	)		(352	)		(357	)		35			(91	%)	NM				233			(322	)	NM
Total results of variable annuity hedge program		(29	)		(273	)		(114	)		(286	)		(2	)		93	%		99	%		(64	)		(288	)	NM
Other net gain (loss) [7]		(86	)		37			126			37			(99	)		(15	%)	NM				(59	)		(62	)		(5	%)
Total net realized capital gains (losses)	$	9		$	(257	)	$	(89	)	$	(403	)	$	69			NM			NM		$	(265	)	$	(334	)		(26	%)

[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, 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), as well as Japan fair value option securities.
[6]	Included in core earnings.
[7]	Primarily due to losses on transactional foreign currency re-valuation due to an increase in value of the Japanese yen versus the U.S. dollar associated with the internal reinsurance of the Japan variable annuity business, which is offset in AOCI, and losses on credit derivatives driven by credit spread widening.

42

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

	June 30,					September 30,					December 31,					March 31,					June 30,
	2010					2010					2010					2011					2011
	Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent
Fixed maturities, available-for-sale, at fair value [1]	$	77,132		60.2	%	$	79,736		59.7	%	$	77,820		59.4	%	$	78,268		60.3	%	$	78,132		59.3	%
Fixed maturities, at fair value using fair value option		—		—			564		0.4	%		649		0.5	%		1,230		0.9	%		1,227		0.9	%
Equity securities, trading, at fair value [2]		30,183		23.6	%		32,495		24.3	%		32,820		25.1	%		32,339		24.9	%		32,278		24.4	%
Equity securities, available-for-sale, at fair value [3]		1,103		0.9	%		1,168		0.9	%		973		0.7	%		993		0.8	%		1,081		0.8	%
Mortgage loans [4]		4,673		3.6	%		4,684		3.5	%		4,489		3.4	%		4,736		3.7	%		5,304		4.0	%
Policy loans, at outstanding balance		2,182		1.7	%		2,180		1.6	%		2,181		1.7	%		2,181		1.7	%		2,188		1.7	%
Limited partnerships and other alternative investments [5]		1,774		1.4	%		1,819		1.4	%		1,918		1.5	%		1,972		1.5	%		2,028		1.5	%
Other investments [6]		2,293		1.8	%		1,427		1.1	%		1,617		1.2	%		640		0.5	%		973		0.7	%
Short-term investments [7]		8,731		6.8	%		9,517		7.1	%		8,528		6.5	%		7,330		5.7	%		8,861		6.7	%
Total investments	$	128,071		100.0	%	$	133,590		100.0	%	$	130,995		100.0	%	$	129,689		100.0	%	$	132,072		100.0	%
Less: Equity securities, trading		30,183		23.6	%		32,495		24.3	%		32,820		25.1	%		32,339		24.9	%		32,278		24.4	%
Total investments excluding trading securities	$	97,888		76.4	%	$	101,095		75.7	%	$	98,175		74.9	%	$	97,350		75.1	%	$	99,794		75.6	%
Asset-backed securities (“ABS”)	$	3,012		3.9	%	$	3,009		3.8	%	$	2,889		3.7	%	$	3,150		4.0	%	$	3,297		4.2	%
Collateralized debt obligations (“CDOs”)		2,824		3.7	%		2,563		3.2	%		2,611		3.4	%		2,674		3.4	%		2,575		3.3	%
Commercial mortgage-backed securities (“CMBS”)		8,719		11.3	%		8,160		10.2	%		7,917		10.2	%		7,709		9.8	%		7,277		9.3	%
Corporate		38,834		50.4	%		40,851		51.3	%		39,884		51.2	%		40,913		52.3	%		41,629		53.2	%
Foreign government/government agencies		1,716		2.2	%		1,924		2.4	%		1,683		2.2	%		1,802		2.3	%		1,864		2.4	%
Municipal — taxable		1,101		1.4	%		1,125		1.4	%		1,199		1.5	%		1,237		1.6	%		1,299		1.7	%
Municipal — tax-exempt		11,415		14.8	%		11,598		14.5	%		10,925		14.0	%		11,090		14.2	%		11,482		14.7	%
Residential mortgage-backed securities (“RMBS”)		4,772		6.2	%		5,551		7.0	%		5,683		7.3	%		5,014		6.4	%		5,214		6.7	%
U.S. Treasuries		4,739		6.1	%		4,955		6.2	%		5,029		6.5	%		4,679		6.0	%		3,495		4.5	%
Total fixed maturities, AFS [8]	$	77,132		100.0	%	$	79,736		100.0	%	$	77,820		100.0	%	$	78,268		100.0	%	$	78,132		100.0	%
U.S. government/government agencies	$	8,428		10.9	%	$	9,556		12.0	%	$	9,918		12.7	%	$	8,947		11.5	%	$	8,073		10.3	%
AAA		11,406		14.8	%		11,158		14.0	%		10,174		13.1	%		10,155		13.0	%		9,409		12.0	%
AA		15,357		19.9	%		15,591		19.6	%		15,554		20.0	%		15,518		19.8	%		15,900		20.4	%
A		19,150		24.8	%		19,922		25.0	%		19,460		25.0	%		19,723		25.2	%		20,470		26.2	%
BBB		19,018		24.7	%		20,022		25.0	%		19,153		24.6	%		20,212		25.8	%		20,568		26.3	%
BB & below		3,773		4.9	%		3,487		4.4	%		3,561		4.6	%		3,713		4.7	%		3,712		4.8	%
Total fixed maturities, AFS [8]	$	77,132		100.0	%	$	79,736		100.0	%	$	77,820		100.0	%	$	78,268		100.0	%	$	78,132		100.0	%

[1]	Includes $284, $271, $277, $275, and $25 in Corporate at June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, and June 30, 2011, respectively.
[2]	These assets support the International variable annuity business. Changes in these balances are also reflected in the respective liabilities.
[3]	Includes $88, $93, $97, $100, and $100 in Corporate at June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, and June 30, 2011, respectively.
[4]	Includes $243, $225, $202, $194, and $138 in Corporate at June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, and June 30, 2011, respectively.
[5]	Includes real estate joint ventures and hedge fund investments outside of limited partnerships.
[6]	Primarily relates to derivative instruments. Additionally, includes $51, $47, $48, $49, and $27 in Corporate at June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, and June 30, 2011, respectively.
[7]	Includes $1,827, $1,890, $1,780, $1,999, and $2,274 in Corporate at June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, and June 30, 2011, respectively.
[8]	Available-for-sale (“AFS”).

43

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

	June 30,					September 30,					December 31,					March 31,					June 30,
	2010					2010					2010					2011					2011
	Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent
Fixed maturities, available-for-sale, at fair value	$	52,652		53.8	%	$	54,253		53.0	%	$	52,429		52.1	%	$	52,781		53.3	%	$	52,834		52.3	%
Fixed maturities, at fair value using fair value option		—		—			554		0.5	%		639		0.6	%		1,217		1.2	%		1,214		1.2	%
Equity securities, trading, at fair value [2]		30,183		30.8	%		32,495		31.8	%		32,820		32.6	%		32,339		32.7	%		32,278		31.9	%
Equity securities, available-for-sale, at fair value		589		0.6	%		608		0.6	%		502		0.5	%		523		0.5	%		603		0.6	%
Mortgage loans		3,956		4.0	%		4,066		4.0	%		3,915		3.9	%		4,162		4.2	%		4,578		4.5	%
Policy loans, at outstanding balance		2,182		2.2	%		2,180		2.1	%		2,181		2.2	%		2,181		2.2	%		2,188		2.2	%
Limited partnerships and other alternative investments [3]		878		0.9	%		910		0.9	%		957		1.0	%		985		1.0	%		1,024		1.0	%
Other investments [4]		2,147		2.2	%		1,258		1.2	%		1,486		1.5	%		450		0.5	%		799		0.8	%
Short-term investments		5,356		5.5	%		6,061		5.9	%		5,631		5.6	%		4,398		4.4	%		5,565		5.5	%
Total investments	$	97,943		100.0	%	$	102,385		100.0	%	$	100,560		100.0	%	$	99,036		100.0	%	$	101,083		100.0	%
Less: Equity securities, trading		30,183		30.8	%		32,495		31.8	%		32,820		32.6	%		32,339		32.7	%		32,278		31.9	%
Total investments excluding trading securities	$	67,760		69.2	%	$	69,890		68.2	%	$	67,740		67.4	%	$	66,697		67.3	%	$	68,805		68.1	%
ABS	$	2,506		4.8	%	$	2,505		4.6	%	$	2,442		4.7	%	$	2,655		5.0	%	$	2,732		5.2	%
CDOs		2,271		4.3	%		2,043		3.8	%		2,087		4.0	%		2,144		4.1	%		2,047		3.9	%
CMBS		6,046		11.5	%		5,696		10.5	%		5,495		10.5	%		5,364		10.2	%		4,967		9.4	%
Corporate		29,290		55.6	%		30,861		56.9	%		30,204		57.6	%		31,218		59.0	%		31,595		59.7	%
Foreign government/government agencies		1,280		2.4	%		1,431		2.6	%		1,160		2.2	%		1,200		2.3	%		1,285		2.4	%
Municipal — taxable		970		1.8	%		999		1.8	%		1,068		2.0	%		1,110		2.1	%		1,167		2.2	%
Municipal — tax-exempt		2,511		4.8	%		2,526		4.7	%		2,267		4.3	%		2,304		4.4	%		2,417		4.6	%
RMBS		3,732		7.1	%		4,284		7.9	%		4,302		8.2	%		3,779		7.2	%		3,738		7.1	%
U.S. Treasuries		4,046		7.7	%		3,908		7.2	%		3,404		6.5	%		3,007		5.7	%		2,886		5.5	%
Total fixed maturities, AFS	$	52,652		100.0	%	$	54,253		100.0	%	$	52,429		100.0	%	$	52,781		100.0	%	$	52,834		100.0	%
U.S. government/government agencies	$	6,661		12.7	%	$	7,174		13.2	%	$	6,809		13.0	%	$	5,939		11.3	%	$	5,869		11.1	%
AAA		7,343		13.9	%		7,123		13.1	%		6,288		12.0	%		6,174		11.7	%		5,747		10.9	%
AA		8,255		15.7	%		8,225		15.2	%		8,304		15.8	%		8,208		15.6	%		8,152		15.4	%
A		13,444		25.5	%		14,217		26.2	%		14,177		27.1	%		14,551		27.5	%		14,873		28.2	%
BBB		13,870		26.4	%		14,609		26.9	%		13,915		26.5	%		14,854		28.1	%		15,218		28.8	%
BB & below		3,079		5.8	%		2,905		5.4	%		2,936		5.6	%		3,055		5.8	%		2,975		5.6	%
Total fixed maturities, AFS	$	52,652		100.0	%	$	54,253		100.0	%	$	52,429		100.0	%	$	52,781		100.0	%	$	52,834		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.

44

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

	June 30,					September 30,					December 31,					March 31,					June 30,
	2010					2010					2010					2011					2011
	Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent			Amount		Percent
Fixed maturities, available-for-sale, at fair value	$	24,196		87.6	%	$	25,212		87.9	%	$	25,114		89.7	%	$	25,212		90.0	%	$	25,273		88.9	%
Fixed maturities, at fair value using fair value option		—		—			10		—			10		—			13		—			13		0.1	%
Equity securities, available-for-sale, at fair value		426		1.5	%		467		1.6	%		374		1.3	%		370		1.3	%		378		1.3	%
Mortgage loans		474		1.7	%		393		1.4	%		372		1.3	%		380		1.4	%		588		2.1	%
Limited partnerships and other alternative investments [2]		896		3.3	%		909		3.2	%		961		3.4	%		987		3.5	%		1,004		3.5	%
Other investments [3]		95		0.3	%		122		0.4	%		83		0.3	%		141		0.5	%		147		0.5	%
Short-term investments		1,548		5.6	%		1,566		5.5	%		1,117		4.0	%		933		3.3	%		1,022		3.6	%
Total investments	$	27,635		100.0	%	$	28,679		100.0	%	$	28,031		100.0	%	$	28,036		100.0	%	$	28,425		100.0	%
ABS	$	506		2.1	%	$	504		2.0	%	$	447		1.8	%	$	495		2.0	%	$	565		2.2	%
CDOs		553		2.3	%		520		2.1	%		524		2.1	%		530		2.1	%		528		2.1	%
CMBS		2,673		11.0	%		2,464		9.8	%		2,422		9.6	%		2,345		9.3	%		2,310		9.1	%
Corporate		9,539		39.5	%		9,990		39.5	%		9,680		38.5	%		9,695		38.5	%		10,034		39.7	%
Foreign government/government agencies		429		1.8	%		493		2.0	%		523		2.1	%		602		2.4	%		579		2.3	%
Municipal — taxable		131		0.5	%		126		0.5	%		131		0.5	%		127		0.5	%		132		0.5	%
Municipal — tax-exempt		8,897		36.8	%		9,068		36.0	%		8,654		34.5	%		8,783		34.8	%		9,061		35.9	%
RMBS		1,028		4.2	%		1,253		5.0	%		1,360		5.4	%		1,215		4.8	%		1,456		5.8	%
U.S. Treasuries		440		1.8	%		794		3.1	%		1,373		5.5	%		1,420		5.6	%		608		2.4	%
Total fixed maturities, AFS	$	24,196		100.0	%	$	25,212		100.0	%	$	25,114		100.0	%	$	25,212		100.0	%	$	25,273		100.0	%
U.S. government/government agencies	$	1,503		6.2	%	$	2,116		8.4	%	$	2,837		11.3	%	$	2,737		10.9	%	$	2,183		8.6	%
AAA		4,055		16.8	%		4,035		16.0	%		3,886		15.5	%		3,981		15.8	%		3,662		14.5	%
AA		7,096		29.2	%		7,364		29.2	%		7,248		28.8	%		7,308		28.9	%		7,745		30.7	%
A		5,700		23.6	%		5,702		22.6	%		5,280		21.0	%		5,170		20.5	%		5,596		22.1	%
BBB		5,148		21.3	%		5,413		21.5	%		5,238		20.9	%		5,358		21.3	%		5,350		21.2	%
BB & below		694		2.9	%		582		2.3	%		625		2.5	%		658		2.6	%		737		2.9	%
Total fixed maturities, AFS	$	24,196		100.0	%	$	25,212		100.0	%	$	25,114		100.0	%	$	25,212		100.0	%	$	25,273		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.

45

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

	June 30, 2011							December 31, 2010
	Amortized		Fair		Unrealized			Amortized		Fair		Unrealized
	Cost		Value		Loss [1] [2]			Cost		Value		Loss [1] [2]
Total AFS Securities
Three months or less	$	6,867	$	6,727	$	(140	)	$	17,431	$	16,783	$	(643	)
Greater than three months to six months		636		600		(36	)		732		690		(42	)
Greater than six months to nine months		6,569		6,312		(252	)		438		397		(41	)
Greater than nine months to twelve months		484		461		(23	)		185		169		(16	)
Twelve months or more		13,208		11,161		(2,009	)		15,599		12,811		(2,754	)
Total	$	27,764	$	25,261	$	(2,460	)	$	34,385	$	30,850	$	(3,496	)

[1]	As of June 30, 2011, fixed maturities, AFS, represented $2,359, 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 June 30, 2011 and December 31, 2010.
[2]	Unrealized losses exclude the change in fair value of bifurcated embedded derivative features of certain securities. Subsequent changes in fair value are recorded in net realized capital gains (losses).

46

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
INVESTED ASSET EXPOSURES
AS OF JUNE 30, 2011

	Cost or				Percent of Total
	Amortized Cost		Fair Value		Invested Assets [1]
Top Ten Corporate and Equity, AFS, Exposures by Sector
Financial services	$	8,506	$	8,357		8.4	%
Utilities		7,857		8,228		8.2	%
Consumer non-cyclical		5,948		6,356		6.4	%
Technology and communications		4,306		4,536		4.5	%
Basic industry		3,719		3,925		3.9	%
Energy		3,554		3,780		3.8	%
Capital goods		3,246		3,461		3.5	%
Consumer cyclical		1,986		2,099		2.1	%
Transportation		1,118		1,176		1.2	%
Other		802		792		0.8	%
Total	$	41,042	$	42,710		42.8	%
Top Ten Exposures by Issuer [2]
Government of United Kingdom	$	408	$	418		0.4	%
JPMorgan Chase & Co.		418		396		0.4	%
National Grid PLC		333		350		0.4	%
AT&T Inc.		311		331		0.3	%
Wells Fargo & Co.		322		303		0.3	%
State of Califorina		287		294		0.3	%
General Electric Co.		331		292		0.3	%
Bank of America Corp.		331		292		0.3	%
Massachusetts St.		273		288		0.3	%
Verizon Communications Inc.		260		281		0.3	%
Total	$	3,274	$	3,245		3.3	%

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

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