2005 Information Session

1. The Hartford Financial Services Group 2005 Information Session

2. Who We Are The Hartford Financial Services Group, Inc. (The Hartford - NYSE: HIG) is one of the nation's largest financial services and insurance companies, with 2003 revenues of $18.7 billion. The Hartford is a leading provider of: • Investment Products • Individual Life Insurance • Group Benefits • Automobile & Homeowners Insurance • Business Property & Casualty Insurance Founded in 1810, The Hartford currently has 30,000 employees within the U.S. and internationally (CT: 11,500)

3. What We Do We provide our customers and partners confidence in a better future by providing superior insurance and investment products and services.

4. Management Team David K. ZwienerPresident and Chief Operating Officer, Property and Casualty Operations Ramani AyerChairman and Chief Executive Officer Thomas M. MarraPresident and Chief Operating Officer of Hartford Life Neal S. WolinExecutive Vice President and General Counsel Ann M. de RaismesExecutive Vice President,Human Resources David M. ZnamierowskiPresident, Hartford Investment Management Company and Chief Investment Officer, The Hartford Financial Services Group, Inc. David M. JohnsonExecutive Vice President and Chief Financial Officer

5. The Hartford Financial Services Group The Hartford Financial Services Group Hartford Investment Management Hartford Property & Casualty Hartford Life Functional areas – Accounting and Finance, HR, IT, Law, etc.

6. Hartford Property and Casualty • The Hartford Stag represents a long standing reputation of financial stability and high level of service since 1810 • Premier North American P&C carrier • Top 10 US commercial insurance carrier • Top 10 overall property & casualty insurer • # 4 workers’ compensation insurer

7. Hartford Life • Track record of profitable growth • # 1 seller of retail variable annuities in the U.S. and Japan • # 1 in variable universal life insurance sales • # 2 in group disability sales • # 6 in group life sales • # 6 life insurance group, based on statutory assets • DALBAR award winner for customer service

8. Products and Services • For Individuals and Families • Annuities • Mutual Funds • Automobile Insurance • Homeowners Insurance • Life Insurance • College Savings • Flood Insurance • AARP Endorsed Products • For Businesses • Property & Casualty Insurance • Group Benefits • Retirement Programs • Mutual Funds • Investment Management • Reinsurance • International

9. Our Workplace • Business Casual Dress • On-site Dining Options • Corporate Education • College Recruiting • Mentor Program • Free Parking • Employee Referral Bonus • ATM Machines • Employee Recognition • Full Time Training Staff

10. The Hartford Experience • The Hartford Experience is a customer experience that prompts them to choose our brand rather than those of our competitors. • The three dimensions that make up the Hartford Experience: • Ease of Doing Business • Customer Solutions • Extraordinary Service

11. The Hartford is Recognized • Listed as one of Fortune’s “Most Admired Companies” • One of the “10 Best Companies for Women” (Health Magazine) • One of the Top 16 Companies for Workers 50 and Older (AARP) • One of country’s 100 Best Corporate Citizens (Business Ethics Magazine) • Recognized as “Outstanding Corporate Citizen” (CT Community Care) • Named “Insurance Company of the Year” for championing the abilities and • employment of people with disabilities (The International Association of • Rehabilitation Professionals)

12. Employee Benefits • Medical Benefits • Dental Benefits • ISP/401(k) Plan • Paid Holidays • Cash Balance Pension Plan • Paid Time Off / PTO Buy • Training and Development • Tuition Reimbursement • Flexible Work Arrangements • Employee Stock Purchase Plan

13. Competencies of Hartford Employees • Customer Focused • Innovative • Results-driven • Motivated • Professional Integrity • Team Player • Ownership & Accountability • Critical Thinker • Dedicated to Excellence • Takes the Initiative

14. Entry-level Programs/Opportunities • Complex Claim Group Account Representative • Target Majors: Criminal justice, Insurance, Business Administration or Liberal Arts • Location: Hartford, CT • Claims - Claims Trainee • Target Majors: Criminal Justice, Business Administration or • Liberal Arts • Locations: Opportunities across the US • Cluster - Underwriting Trainee Program • Target Majors: Insurance, Risk Management, Business Administration, Finance or Economics, Marketing, or Liberal Arts • Locations: Opportunities across the US

15. Entry-level Programs/Opportunities • Sales - Group Benefits Sales Representative • Target Majors: Risk Management, Insurance, Sales, Marketing, Business Administration • Locations: Opportunities across the US • Hartford Financial Products - Underwriting Trainee Program • Target Majors: Insurance, Risk Management, Business Administration, Finance or Economics, Marketing, or Liberal Arts • Locations: New York, NY and various locations across the US • Loss Control - Loss Control Consultant • Target Majors: Safety Management, Risk Management, Insurance, Business Administration, Industrial or Environmental Engineering, Biology or Science • Locations: Opportunities across the US

16. How to Pursue Job Opportunities • For full-time opportunities, visit The Hartford’s Website at www.thehartford.com, click on Career Opportunities and register with The Hartford’s job matching system. Once you complete a confidential personal profile you can: • Receive e-mail notifications of job openings that match your profile • Search current openings • Apply on-line for job openings

17. Questions & Answers