The Hartford Financial Services Group, Inc. Business Profile March 31, 2006

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1 The Hartford Financial Services Group, Inc. Business Profile March 31, 2006

2 Safe Harbor Statement Certain statements made in this presentation should be considered forwardlooking statements as defined in the Private Securities Litigation Reform Act of These include statements about The Hartford s future results of operations. We caution 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, including those discussed in The Hartford s Quarterly Report on Form 10-Q filed for the quarter ended March 31, 2006, Annual Report on Form 10-K filed for the year ended December 31, 2005 and other filings we make with the Securities and Exchange Commission. We assume no obligation to update this presentation, which speaks as of today s date. The discussion in this presentation of The Hartford s financial performance includes financial measures that are not derived from generally accepted accounting principles, or GAAP. Information regarding these non-gaap and other financial measures is provided in the Investor Financial Supplement for the first quarter of 2006, and in the Investor Relations section of The Hartford s website at 2

3 The Hartford Balanced Portfolio of Property Casualty and Life Businesses Strong Financial Ratings A.M. Best A+ Fitch AA Standard and Poors AA- Moody s Aa3 19.4% Debt-to-Total Capital [1] excluding AOCI Long term goals are double digit growth in book value per share and dividends and 13-15% return on equity Core Earnings per Diluted Share [2,3] 2006 Guidance is $ $9.10 Book Value Per Share Excluding AOCI $4.47 $ % CAGR $5.41 $5.91 $7.34 $34.54 $ % CAGR $36.67 $43.55 $50.41 $52.37 $ Q Q06 Please see Appendix for footnotes. 3

4 Property & Casualty Operations The Hartford s P&C Business Overview The P&C operation is the 10th largest P&C insurance operation in the U.S. based on direct written premiums, per A.M. Best. The Hartford offers a variety of business and specialty risk insurance products through independent agents and brokers. The company also offers personal home and auto policies to individuals through independent agents and on a direct basis through an exclusive arrangement with AARP. Ongoing P&C Net Written Premium YTD March 31, 2006 Personal Lines 34% Specialty 16% Business Insurance 50% Reporting segments include Business Insurance, Personal Lines, and Specialty which are all Ongoing Operations; and Other, which includes discontinued lines and substantially all Asbestos and Environmental liabilities. Ongoing P&C Net Written Premium Core Earnings [3,4] $12.0 $10.0 $8.0 $6.0 $ % CAGR $1,400 $1,200 $1,000 $800 $ $400 24% CAGR , $2.0 $

5 Business Insurance Business Insurance Overview The Hartford s Business Insurance operation is the 7 th largest commercial lines carrier in the U.S. based on direct written premiums, per A.M. Best. Business Insurance sells workers compensation, property, automobile, general liability and marine coverages to small and medium sized commercial enterprises. Market leader in small commercial with opportunities for growth in businesses with revenues up to $15 million. Business Insurance is sold through approximately 5,000 independent agencies and brokers. Products may also be marketed in conjunction with trade associations. $5.0 $4.0 $3.0 $2.0 $ % CAGR Net Written Premium Middle Market Small Commercial Ex-Cat Combined Ratio Cat Ratio: (0.9) Leverage traditional and Xpand products to drive small commercial growth. Introduce industry specific programs for middle-market customers. Use fact-based research to cost effectively expand appointments of independent agencies. Continue to invest in sophisticated pricing segmentation to maintain competitive advantage. Utilize agency interface technology to enhance ease of doing business with The Hartford. Maintain underwriting and expense management discipline, while growing in profitable markets. 5

6 Personal Lines Personal Lines Overview The Hartford s Personal Lines operation is the 12 th largest in the U.S. based on direct written premiums, per A.M. Best. Products include auto and homeowners policies sold direct through AARP and Dimensions auto and home policies sold through independent agents. We currently insure 11% of eligible AARP households. AARP endorsement extends until In 2004 and 2005, received Purdue University s Benchmark Portal Center of Excellence Certification, recognizing both customer satisfaction and operational efficiency. J.D. Power 2005 Certified Call Center designation An Outstanding Customer Service Experience Ex-Cat Combined Ratio Cat Ratio: $4.0 $3.0 $2.0 $ % CAGR Net Written Premium AARP Agency Omni Affinity Appoint and engage The Hartford s small commercial agents to sell personal lines business. Expand marketing initiatives to complement direct response capabilities in AARP. Continue to invest in product development, sophisticated pricing and underwriting platforms. Enhance ease of doing business for agents and customers through technology. Improve expense competitiveness, particularly in Agency personal lines. 6

7 Specialty Commercial Specialty Insurance Overview Specialty Commercial sells customized insurance products and risk management services through independent agents, brokers and wholesalers. Products include workers' comp, auto and liability coverage for large companies, property, bond, professional liability, specialty casualty and excess and surplus lines. Through Specialty Risk Services, Specialty also provides third party administrator (TPA) and risk management services. Net Written Premium Mix YTD March 31, 2006 (Total.4 billion) Professional Liability 24% Bond 13% Other 9% Property 10% Casualty 44% Ex-Cat Combined Ratio [5] Maintain underwriting discipline in an increasingly competitive environment. Continue to grow in lines of business and niche markets where risks are adequately priced and terms and conditions are appropriate * Q05 1Q06 Cat Ratio: (0.4) (7.1) Offer products and services that complement offerings in Small Commercial and Middle Market. *As adjusted. See footnote [5] 7

8 Life Operations The Hartford s Life Business Overview A premier provider of retirement savings, wealth creation and financial protection solutions. Provides solutions for individuals and institutions including investment products, individual life insurance and group benefits. Market leader in variable annuities, group life and disability benefits and variable life. Emerging growth opportunities in mutual funds, 401(k) and Japan. Reporting segments include Retail Products, Retirement Plans, Institutional Solutions, Individual Life, Group Benefits, International and Other. $300 $250 $200 $150 $ Assets Under Management 13% CAGR % $1,400 $1,200 $1,000 $800 $600 $400 $200 International Group Benefits 774 Core Earnings by Business YTD March 31, % 12% Individual Institutional Life Solutions [Percents above exclude Other segment] Core Earnings [3,6] 12% CAGR % 1,126 6% Retirement Plans 6% 1,200 46% 238 Retail Products

9 Individual Annuity Overview A top provider of broker-sold variable annuities sales since Approximately 200 PLANCO wholesalers generate significant variable annuity market share in all distribution channels including wirehouses, regional broker/dealers, banks and independent firms. Scale advantages with operating expenses at approximately 18 basis points. Industry-leading, innovative product development. $700 $600 $500 $400 $300 $ Core Earnings [3,7] 13% CAGR % 160 $125 $75 $50 $25 Individual Annuity Assets Under Management and Sales/Deposits 8% CAGR AUM Sales/Dep 9% Maintain our leadership position in variable annuity sales through wholesaling capabilities, money management relationships and exceptional service. Continually adapt our products to maintain an industry leading position ROA after-tax (bps) Actively enhance global risk management capabilities including hedging. 9

10 Other Retail Products Other Retail Products Overview Other Retail Products includes Mutual Funds, 529 College Savings Plans and other specialty products. The Hartford Mutual Funds provides retail investors with access to superior asset management. Approximately 95 PLANCO wholesalers represent The Hartford Mutual Funds. $40 $30 $20 $ Assets Under Management and Sales/Deposits 20% CAGR % AUM Sales/Dep Core Earnings [3,8] $40 36 $30 20 $ $10 4 Leverage distribution and service capabilities in variable annuity market to enhance growth in other retail products. Grow our mutual fund business through dedicated wholesalers. Deliver outstanding performance to shareholders through internal and external asset management partnerships. Expand broker awareness of retail mutual funds through effective marketing campaigns. 10

11 Retirement Plans Retirement Plans Overview Retirement Plans includes 401(k), governmental 457 plans and 403(b) plans. Top ten in new 401(k) plans sold in Top ten in 457 plan assets under management. An industry leader in providing customer service as recognized by DALBAR and Plan Sponsor Magazine. Products sold through 80 retirement specialists, one of the largest sales force in the retirement plan industry. $75 $50 $ % CAGR Core Earnings [3] % 21 $40 $30 $20 $ Assets Under Management and Sales/Deposits 15% CAGR Leverage our relationship with 75,000 independent financial advisors to cross-sell The Hartford s 401(k) plans. PLANCO wholesalers provide lead generation. Retirement plan specialists support the sale for wirehouses, banks, and regional firms. Introduce new products for the lower end of the mid-size market and sole proprietors. Provide broad investment choices through 60 money managers. Drive persistency with award-winning service levels AUM Sales/Dep 17% 11

12 Institutional Solutions Group Institutional Solutions Group Overview Assets Under Management and Sales/Deposits A premier provider of customized wealth creation and financial protection solutions for institutions, corporate employers and high net worth individuals. #2 in structured settlement sales over the past 5 years. $60 $ % CAGR % 45 Top provider of corporate owned life insurance. $ % CAGR $50 Core Earnings [3,9] 88 5% AUM Sales/Dep Continue to be on the leading edge of developing customized investment product solutions for institutional clients. Build upon our strong presence in the structured settlement marketplace. Expand registered notes program. Capitalize on growth opportunities in Private Placement Life Insurance. Develop longevity solutions for individuals and retirement plans. 12

13 Individual Life Individual Life Overview Broad product portfolio of variable life, universal life, whole life and term insurance targeted at the affluent, emerging affluent and business life insurance clients. Diversified distribution channels: Financial Advisors (national accounts, banks, independent broker dealers and CPAs), independent life insurance brokers and registered reps at Woodbury Financial Services. Leading seller of variable life insurance. $175 $150 $125 $75 $50 $ % CAGR 156 Core Earnings [3] % 45 $250 $200 $150 $ % CAGR Variable 250 Sales UL/Whole/Term/Other 30% Focus distribution strategy, develop complete product portfolio and enhance product launch cycle. Maximize sales and deepen reach in core channels that have significant growth potential, while expanding other distribution opportunities in selected markets including LifePros and P&C. Maintain Variable Life leadership position. Continually supply new, innovative product concepts. Leverage leading edge underwriting program. Build upon our service capabilities while maximizing the use of technology. Capitalize on our strong service culture. Build value-added platforms for distributors through webenabled technology. 13

14 Group Benefits Group Benefits Overview #1 in group disability sales and a strong player in group life insurance sold to employers, associations and affinity groups. Products primarily include short term and long term disability, group life and accident and other specialty products such as medical stop-loss and supplemental medical policies sold through brokers and third party administrators. Acquired CNA s group benefits business effective January 1, After-tax margins expanded from 5.0% in 2000 to 7.2% in $300 $250 $200 $150 $ Core Earnings [3] 272 After-tax 6.4% 6.3% 7.2% 6.4% 6.6% margin (excluding buyouts) 59 15% 68 $4 $3 $2 $1 2.3 Fully Insured Premiums % 1.0 Be the company of choice for targeted group life and disability producers. Expand and strengthen distribution channel. Leverage the scale achieved with the CNA acquisition including conversion to a common operating platform. Continue expansion into employee funded/voluntary market. Maintain underwriting, pricing and expense management discipline. Execute on an industry-leading claim practices and customer service model. 14

15 International Japan Operations Overview #1 provider of variable annuities in Japan based on assets under management, with a 31% market share as of September, Products sold mainly through investment professionals in banks and securities firms. Positive earnings by the third full year of operations. In 2004, entered Japan s fixed annuity market. UK Overview The Hartford launched its European subsidiary, Hartford Life Limited, during the second quarter of Japan Assets Under Management and Sales/Deposits $ $25 $20 18 $ $ $ AUM Sales/Dep Core Earnings [3] Key Japan Strategies 96 $75 $ $ Continue to focus on expanding distribution relationships and improve penetration with our existing distributors. Drive acceptance of the new Adagio V3 variable annuity, a product that provides consumers with enhanced liquidity and new fund allocations. Manage growth and build infrastructure with investments in people and technology. Leverage off the variable annuity platform, identifying other investment product opportunities. 15

16 Footnotes ($ in millions, except for per share amounts) [1] Debt includes 75% equity credit on the equity units. [2] In order to provide a consistent basis of comparison, this chart excludes the impact of goodwill amortization of $52 for 2001, tax benefits of $130, $76, $30 and $216 for , September 11, 2001 terrorist attack of $440 and restructuring charge of $11 in 2001, Bancorp Services litigation charges of $11 and $40 in 2002 and 2003, and the asbestos reserve addition of $1,701 and severance charges of $27 in [3] The Hartford uses the non-gaap financial measure core earnings as an important measure of the Company's operating performance. The Company believes the measure core earnings provides investors with a valuable measure of the performance of the Company's ongoing businesses because core earnings excludes the cumulative effect of accounting changes and 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. Core earnings includes net realized gains and losses such as net periodic settlements on credit derivatives and net periodic settlements on the Japan fixed annuity cross-currency swap because these net realized gains and losses are directly related to an offsetting item included in the income statement such as net investment income. Net income is the most directly comparable GAAP measure. A reconciliation of net income to core earnings for the periods presented herein is in the Investor Relations section of The Hartford s website at Core earnings per share is calculated based on a non-gaap financial measure. Net income per share is the most directly comparable GAAP measure. A reconciliation of net income per share to core earnings per share for the periods presented herein is in the Investor Relations section of The Hartford s website at [4] In order to provide a consistent basis of comparison, P&C Core Earnings exclude the impact of goodwill amortization of $3, September 11 th Terrorist Attack of $420 and restructuring charge of $10 in 2001, the asbestos reserve addition of $1,701 and severance charges of $27 in 2003 and tax benefits of $26 for [5] Ex-catastrophe combined ratio for 2004 excludes the effects of a reduction in earned premiums of $90 reflecting a decrease in estimated earned premiums on retrospectively-rated policies. Including these effects, the ex-catastrophe combined ratio is 103.5%. [6] In order to provide a consistent basis of comparison, Life Core Earnings exclude the impact of goodwill amortization of $16 for 2001, tax benefits of $130, $76, $30 and $190 for , September 11, 2001 terrorist attack of $20, and Bancorp Services litigation charges of $11 and $40 in 2002 and 2003 [7] In order to provide a consistent basis of comparison, Individual Annuity Core Earnings excludes the impact of goodwill amortization of $5 for [8] 2005 Other Retail Core Earnings includes $46 for the termination of a provision of an agreement with a distribution partner of the Company s mutual funds. [9] In order to provide a consistent basis of comparison, Institutional Solutions Core Earnings excludes Bancorp Services litigation charge of $40 in

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