HIG beats by $0.11
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Hartford Financial      HIG   $1.51
analysts average              $1.40
same period last year        -$0.72

The Hartford Financial Services Group, Inc. (NYSE: HIG):

• Both Life and Property and Casualty Businesses Generate Net Income
• Core Earnings* of $689 Million, or $1.51 per Diluted Share, Marks Third Quarter of Improving Core Earnings Results
• Company Ends 2009 in a Strong Capital Position

• Hartford Life** Ends Year with Estimated RBC Ratio Between 375% and 390%
• P&C Statutory Surplus Increased $1.4 Billion in 2009

• Company Announces 2010 Core Earnings per Diluted Share Guidance of $3.70 to $4.00

The Hartford Financial Services Group, Inc. (NYSE: HIG) reported fourth quarter 2009 net income of $557 million, or $1.19 per diluted share, compared with a fourth quarter 2008 net loss of $806 million, or $2.71 per diluted share. Core earnings for the fourth quarter of 2009 were $689 million, or $1.51 per diluted share, compared with a core loss of $208 million, or $0.72 per diluted share, in the prior year period.

“The Hartford’s fourth quarter results represent a return to profitability,” said Liam E. McGee, The Hartford’s Chairman, President and Chief Executive Officer. “Both life and property and casualty businesses reported net income, and this is the third sequential quarter of improving core earnings. Additionally, we ended the year in a strong capital position.”

“Although the company posted strong earnings in the fourth quarter, the economy and market conditions remain uncertain. In this environment, The Hartford team is focused on execution. In the fourth quarter, we delivered strong underwriting results, completed the expense initiatives announced in late 2008 and launched a new marketing campaign that reinforces the company’s strong, trusted brand with businesses and consumers,” added McGee.

2010 GUIDANCE

Based on the assumptions below, The Hartford currently expects 2010 core earnings per diluted share to be between $3.70 and $4.00. The guidance contained within this news release is subject to unusual or unpredictable benefits or charges that might occur in 2010, as well as factors noted below. Historically, the company has frequently experienced unusual or unpredictable benefits and charges that were not anticipated in previously provided guidance.

ABOUT THE HARTFORD

Celebrating nearly 200 years, The Hartford (NYSE: HIG) is an insurance-based financial services company that serves households, businesses and employees by helping to protect their assets and income from risks, and by managing wealth and retirement needs. A Fortune 500 company, The Hartford is recognized widely for its service expertise 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.

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