Founded in 1810, The Hartford is recognized for its operational excellence and superior customer service.

The Hartford's Selected Financial Data

2007 Market Rankings (2008 unavailable)

The Hartford Employment (as of December 31, 2008)

Ratings

As of June 16, 2009 (date of last rating agency action):

The Hartford's life insurance operating subsidiaries ratings are on stable outlook at S&P; developing outlook at Moody's; and negative outlook at Fitch and A.M. Best.

The Hartford's P&C operating subsidiaries ratings are on stable outlook at A.M. Best and S&P; developing outlook at Moody's; and negative outlook at Fitch.

Consolidated Investment Portfolio ( as of December 31, 2008)

Selected Companies of the Hartford

¹ The Hartford uses the non-GAAP financial measure core earnings (loss) 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 the company's insurance and financial services businesses that may be obscured by the net effect of certain realized capital gains and losses. Some realized capital gains and losses are primarily driven by investment decisions and external economic developments, the nature and timing of which are unrelated to the insurance and underwriting aspects of the company's business.

Accordingly, core earnings (loss) 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 (loss) includes net realized gains and losses such as net periodic settlements on credit derivatives and net periodic settlements on the Japan fixed annuity cross-currency swap. These net realized gains and losses are directly related to an offsetting item included in the statement of operations such as net investment income (loss). Core earnings (loss) is also used by management to assess the company's operating performance and is one of the measures considered in determining incentive compensation for the company's managers. Net income (loss) is the most directly comparable GAAP measure. Core earnings (loss) should not be considered as a substitute for net income (loss) 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 (loss) and core earnings (loss) when reviewing the company's performance.

² Includes mutual fund assets and third party assets managed by Hartford Investment Management Company.

³ 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 and casualty operations. Because written premium 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 premium, the most directly comparable GAAP measure, represents all premiums that are recognized as revenues during a fiscal period. The difference between written premium and earned premium is attributable to the change in unearned premium reserves.

Last updated: 03/09