The Hartford Financial Services Group, Inc. (HIG) 10-K 23 Feb 10 2009 FY Annual report Financial data

Document and Company Informatio

Document and Company Information (USD $)
In Billions, except Share data	12 Months Ended Dec. 31, 2009	Feb. 15, 2010	Jun. 30, 2009
Document and Company Information [Abstract]
Entity Registrant Name	HARTFORD FINANCIAL SERVICES GROUP INC/DE
Entity Central Index Key	0000874766
Document Type	10-K
Document Period End Date	2009-12-31
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Public Float			3.9
Entity Common Stock, Shares Outstanding		384,128,538

Consolidated Statements of Oper

Consolidated Statements of Operations (USD $)
In Millions, except Per Share data	12 Months Ended Dec. 31, 2009	12 Months Ended Dec. 31, 2008	12 Months Ended Dec. 31, 2007
Revenues
Earned premiums	$14,424	$15,503	$15,619
Fee income	4,576	5,135	5,436
Net investment income (loss):
Securities available-for-sale and other	4,031	4,335	5,214
Equity securities, trading	3,188	(10,340)	145
Total net investment income (loss)	7,219	(6,005)	5,359
Net realized capital losses:
Total other-than-temporary impairment ("OTTI") losses	(2,191)	(3,964)	(483)
OTTI losses recognized in other comprehensive income	683	0	0
Net OTTI losses recognized in earnings	(1,508)	(3,964)	(483)
Net realized capital losses, excluding net OTTI losses recognized in earnings	(502)	(1,954)	(511)
Total net realized capital losses	(2,010)	(5,918)	(994)
Other revenues	492	504	496
Total revenues	24,701	9,219	25,916
Benefits, losses and expenses
Benefits, losses and loss adjustment expenses	13,831	14,088	13,919
Benefits, losses and loss adjustment expenses - returns credited on International variable annuities	3,188	(10,340)	145
Amortization of deferred policy acquisition costs and present value of future profits	4,267	4,271	2,989
Insurance operating costs and expenses	3,749	3,993	3,894
Interest expense	476	343	263
Goodwill impairment	32	745	0
Other expenses	886	710	701
Total benefits, losses and expenses	26,429	13,810	21,911
Income (loss) before income taxes	(1,728)	(4,591)	4,005
Income tax expense (benefit)	(841)	(1,842)	1,056
Net income (loss)	(887)	(2,749)	2,949
Preferred stock dividends and accretion of discount	127	8	0
Net income (loss) available to common shareholders	($1,014)	($2,757)	$2,949
Earnings (Loss) per common share
Basic	-2.93	-8.99	9.32
Diluted	-2.93	-8.99	9.24
Weighted average common shares outstanding	346.3	306.7	316.3
Weighted average common shares outstanding and dilutive potential common shares	346.3	306.7	319.1
Cash dividends declared per common share	0.2	1.91	2.03

Consolidated Balance Sheets

Consolidated Balance Sheets (USD $)
In Millions	Dec. 31, 2009	Dec. 31, 2008
Investments
Fixed maturities, available-for-sale, at fair value (amortized cost of $76,015 and $78,238)	$71,153	$65,112
Equity securities, trading, at fair value (cost of $33,070 and $35,278)	32,321	30,820
Equity securities, available-for-sale, at fair value (cost of $1,333 and $1,554)	1,221	1,458
Mortgage loans (net of allowances for loan losses of $366 and $26)	5,938	6,469
Policy loans, at outstanding balance	2,174	2,208
Limited partnerships and other alternative investments	1,790	2,295
Other investments	602	1,723
Short-term investments	10,357	10,022
Total investments	125,556	120,107
Cash	2,142	1,811
Premiums receivable and agents' balances, net	3,404	3,604
Reinsurance recoverables, net	5,384	6,357
Deferred policy acquisition costs and present value of future profits	10,686	13,248
Deferred income taxes, net	3,940	5,239
Goodwill	1,204	1,060
Property and equipment, net	1,026	1,075
Other assets	3,981	4,898
Separate account assets	150,394	130,184
Total assets	307,717	287,583
Liabilities
Property and casualty	21,651	21,933
Life	17,980	16,747
Other policyholder funds and benefits payable	45,852	53,753
Other policyholder funds and benefits payable - International variable annuities	32,296	30,799
Unearned premiums	5,221	5,379
Short-term debt	343	398
Long-term debt	5,496	5,823
Consumer notes	1,136	1,210
Other liabilities	9,454	11,997
Separate account liabilities	150,394	130,184
Total liabilities	289,823	278,223
Equity
Preferred stock, $0.01 par value - 50,000,000 shares authorized, 3,400,000 and 6,048,387 shares issued, liquidation preference $1,000 and $0.02 per share	2,960	0
Common stock, $0.01 par value - 1,500,000,000 and 750,000,000 shares authorized, 410,184,182 and 329,920,310 shares issued	4	3
Additional paid-in capital	8,985	7,569
Retained earnings	11,164	11,336
Treasury stock, at cost - 27,177,019 and 29,341,378 shares	(1,936)	(2,120)
Accumulated other comprehensive loss, net of tax	(3,312)	(7,520)
Total stockholders' equity	17,865	9,268
Noncontrolling interest	29	92
Total equity	17,894	9,360
Total liabilities and equity	$307,717	$287,583

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) (USD $)
In Millions, except Share data	Dec. 31, 2009	Dec. 31, 2008
Investments
Fixed maturities, available-for-sale, at amortized cost	$76,015	$78,238
Equity securities, trading, at cost	33,070	35,278
Equity securities, available-for-sale, at cost	1,333	1,554
Mortgage loans,net of allowances for loan losses	$366	$26
Equity
Preferred stock, par value	0.01	0.01
Preferred stock, shares authorized	50,000,000	50,000,000
Preferred stock, shares issued	3,400,000	6,048,387
Preferred stock, liquidation preference per share	1,000	0.02
Common stock, par value	0.01	0.01
Common stock, shares authorized	1,500,000,000	750,000,000
Common stock, shares issued	410,184,182	329,920,310
Treasury stock, shares	27,177,019	29,341,378

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders Equity (USD $)
In Millions, except Share data in Thousands	Previously Reported Retained Earnings	Total Stockholders' Equity	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock, at Cost	Accumulated Other Comprehensive Loss, Net of Tax	Noncontrolling Interest (Note 15)	Total
Common shares, balance at beginning of year at Dec. 31, 2005				302,152
Cumulative effect of accounting change, net of tax						($41)
Preferred shares, balance at end of year at Dec. 31, 2006			0
Common shares, balance at end of year at Dec. 31, 2006				323,315
Balance at end of year at Dec. 31, 2006	12,421		0	3	6,321	12,380	(47)	178	78
Issuance of shares to U.S. Treasury			0
Issuance of warrants to U.S. Treasury					0
Issuance of shares under discretionary equity issuance plan					0
Issuance of convertible preferred shares					0
Issuance of warrants					0
Reclassification of warrants from other liabilities to equity and extension of warrants' term					0
Issuance of shares and compensation expense due to incentive and stock compensation plans					257
Tax (expense) benefit on employee stock options and awards and other					49
Cumulative effect of accounting change, net of tax						(3)
Net income (loss)						2,949				2,949
Cumulative effect of accounting changes, net of tax						0		0
Accretion of preferred stock discount on issuance to U.S. Treasury			0			0
Dividends on preferred stock						0
Dividends declared on common stock						(643)
Treasury stock acquired							(1,193)
Issuance of shares under incentive and stock compensation plans from treasury stock							0
Return of shares to treasury stock under incentive and stock compensation plans							(14)
Total other comprehensive income (loss)								(1,036)		(1,036)
Issuance of convertible preferred shares			0
Conversion of preferred to common shares			0
Issuance of shares to U.S. Treasury			0
Treasury stock acquired				(12,878)
Conversion of preferred to common shares				0
Issuance of shares under discretionary equity issuance plan				0
Issuance of shares under incentive and stock compensation plans				3,549
Return of shares to treasury stock under incentive and stock compensation plans				(144)
Change in noncontrolling interest ownership									7
Noncontrolling income (loss)									7
Preferred shares, balance at end of year at Dec. 31, 2007			0
Common shares, balance at end of year at Dec. 31, 2007				313,842
Balance at end of year at Dec. 31, 2007	14,686	19,204	0	3	6,627	14,683	(1,254)	(858)	92	19,296
Issuance of shares to U.S. Treasury			0
Issuance of warrants to U.S. Treasury					0
Issuance of shares under discretionary equity issuance plan					0
Issuance of convertible preferred shares					727
Issuance of warrants					240
Reclassification of warrants from other liabilities to equity and extension of warrants' term					0
Issuance of shares and compensation expense due to incentive and stock compensation plans					(36)
Tax (expense) benefit on employee stock options and awards and other					11
Cumulative effect of accounting change, net of tax						0
Net income (loss)						(2,749)				(2,749)
Cumulative effect of accounting changes, net of tax						0		0
Accretion of preferred stock discount on issuance to U.S. Treasury			0			0
Dividends on preferred stock						(8)
Dividends declared on common stock						(590)
Treasury stock acquired							(1,000)
Issuance of shares under incentive and stock compensation plans from treasury stock							152
Return of shares to treasury stock under incentive and stock compensation plans							(18)
Total other comprehensive income (loss)								(6,662)		(6,662)
Issuance of convertible preferred shares			6,048
Conversion of preferred to common shares			0
Issuance of shares to U.S. Treasury			0
Treasury stock acquired				(14,682)
Conversion of preferred to common shares				0
Issuance of shares under discretionary equity issuance plan				0
Issuance of shares under incentive and stock compensation plans				1,673
Return of shares to treasury stock under incentive and stock compensation plans				(254)
Change in noncontrolling interest ownership									57
Noncontrolling income (loss)									(57)
Preferred shares, balance at end of year at Dec. 31, 2008			6,048
Common shares, balance at end of year at Dec. 31, 2008				300,579
Balance at end of year at Dec. 31, 2008	11,336	9,268	0	3	7,569	11,336	(2,120)	(7,520)	92	9,360
Issuance of shares to U.S. Treasury			2,920
Issuance of warrants to U.S. Treasury					480
Issuance of shares under discretionary equity issuance plan					887
Issuance of convertible preferred shares					0
Issuance of warrants					0
Reclassification of warrants from other liabilities to equity and extension of warrants' term					186
Issuance of shares and compensation expense due to incentive and stock compensation plans					(126)
Tax (expense) benefit on employee stock options and awards and other					(11)
Net income (loss)						(887)				(887)
Cumulative effect of accounting changes, net of tax						912		(912)
Accretion of preferred stock discount on issuance to U.S. Treasury			40			(40)
Dividends on preferred stock						(87)
Dividends declared on common stock						(70)
Treasury stock acquired							0
Issuance of shares under incentive and stock compensation plans from treasury stock							187
Return of shares to treasury stock under incentive and stock compensation plans							(3)
Total other comprehensive income (loss)								5,120		5,120
Issuance of convertible preferred shares			0
Conversion of preferred to common shares			(6,048)
Issuance of shares to U.S. Treasury			3,400
Treasury stock acquired				(27)
Conversion of preferred to common shares				24,194
Issuance of shares under discretionary equity issuance plan				56,109
Issuance of shares under incentive and stock compensation plans				2,356
Return of shares to treasury stock under incentive and stock compensation plans				(204)
Change in noncontrolling interest ownership									(56)
Noncontrolling income (loss)									(7)
Preferred shares, balance at end of year at Dec. 31, 2009			3,400
Common shares, balance at end of year at Dec. 31, 2009				383,007
Balance at end of year at Dec. 31, 2009		$17,865	$2,960	$4	$8,985	$11,164	($1,936)	($3,312)	$29	$17,894

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (USD $)
In Millions	12 Months Ended Dec. 31, 2009	12 Months Ended Dec. 31, 2008	12 Months Ended Dec. 31, 2007
Comprehensive Income (Loss)
Net income (loss)	($887)	($2,749)	$2,949
Other comprehensive income (loss)
Change in net unrealized gain (loss) on securities	5,909	(7,127)	(1,417)
Change in other-than-temporary impairment losses recognized in other comprehensive income (loss)	(224)	0	0
Change in net gain (loss) on cash-flow hedging instruments	(387)	784	94
Change in foreign currency translation adjustments	(23)	196	146
Changes in pension and other postretirement plan adjustments	(155)	(515)	141
Total other comprehensive income (loss)	5,120	(6,662)	(1,036)
Total comprehensive income (loss)	$4,233	($9,411)	$1,913

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (USD $)
In Millions	12 Months Ended Dec. 31, 2009	12 Months Ended Dec. 31, 2008	12 Months Ended Dec. 31, 2007
Operating Activities
Net income (loss)	($887)	($2,749)	$2,949
Adjustments to reconcile net income (loss) to net cash provided by operating activities
Amortization of deferred policy acquisition costs and present value of future profits	4,267	4,271	2,989
Additions to deferred policy acquisition costs and present value of future profits	(2,853)	(3,675)	(4,194)
Change in reserve for future policy benefits and unpaid losses and loss adjustment expenses and unearned premiums	558	1,026	1,357
Change in reinsurance recoverables	236	300	487
Change in receivables and other assets	380	(4)	128
Change in payables and accruals	(1,271)	(103)	306
Change in accrued and deferred income taxes	(246)	(2,156)	619
Net realized capital losses	2,010	5,918	994
Net receipts (disbursements) from investment contracts related to policyholder funds - International variable annuities	1,498	(2,276)	4,695
Net (increase) decrease in equity securities, trading	(1,501)	2,295	(4,701)
Depreciation and amortization	470	361	794
Goodwill impairment	32	745	0
Other operating activities, net	281	239	(432)
Net cash provided by operating activities	2,974	4,192	5,991
Proceeds from the sale/maturity/prepayment of:
Fixed maturities, available-for-sale	53,538	26,097	34,063
Equity securities, available-for-sale	949	616	468
Mortgage loans	629	386	1,365
Partnerships	391	438	324
Payments for the purchase of:
Fixed maturities, available-for-sale	(54,346)	(32,708)	(37,799)
Equity securities, available-for-sale	(307)	(714)	(1,224)
Mortgage loans	(233)	(1,469)	(3,454)
Partnerships	(274)	(678)	(1,229)
Derivatives, net	(561)	909	(271)
Change in policy loans, net	34	(147)	(10)
Change in payables for collateral under securities lending, net	(2,925)	(1,405)	2,218
Other investing activities, net	(18)	(152)	(627)
Net cash used for investing activities	(3,123)	(8,827)	(6,176)
Financing Activities
Deposits and other additions to investment and universal life-type contracts	14,239	21,015	32,494
Withdrawals and other deductions from investment and universal life-type contracts	(24,341)	(25,793)	(30,443)
Net transfers from separate accounts related to investment and universal life-type contracts	7,203	7,353	(761)
Proceeds from issuance of long-term debt	0	2,670	495
Repayments at maturity for long-term debt and payments on capital lease obligations	(24)	(992)	(300)
Change in commercial paper	(375)	0	75
Net issuance (repayments) at maturity or settlement of consumer notes	(74)	401	551
Proceeds from issuance of convertible preferred shares	0	727	0
Proceeds from Issuance of Warrants	0	512	0
Proceeds from issuance of preferred stock and warrants to U.S. Treasury	3,400	0	0
Net proceeds from issuance of shares under discretionary equity issuance plan	887	0	0
Proceeds from net issuance of shares under incentive and stock compensation plans and excess tax benefit	17	41	217
Treasury stock acquired	0	(1,000)	(1,193)
Dividends paid on preferred stock	(73)	0	0
Dividends paid on common stock	(149)	(660)	(636)
Changes in bank deposits and payments on bank advances	(187)	0	0
Net cash provided by financing activities	523	4,274	499
Foreign exchange rate effect on cash	(43)	161	273
Net increase (decrease) in cash	331	(200)	587
Cash - beginning of period	1,811	2,011	1,424
Cash - end of period	2,142	1,811	2,011
Net Cash Paid (Received) During the Period For:
Income taxes	(243)	253	451
Interest	$475	$286	$257

Basis of Presentation and Accou

Basis of Presentation and Accounting Policies
	12 Months Ended Dec. 31, 2009 USD / shares
Basis of Presentation and Accounting Policies [Abstract]
Basis of Presentation and Accounting Policies	1. Basis of Presentation and Accounting Policies Basis of Presentation The Hartford Financial Services Group, Inc. is a financial holding company for a group of subsidiaries that provide investment products and life and property and casualty insurance to both individual and business customers in the United States (collectively, The Hartford or the Company). During the second quarter of 2009, the Company acquired Federal Trust Corporation and became a savings and loan holding company, see Note 22 for further information on the acquisition. The Consolidated Financial Statements have been prepared on the basis of accounting principles generally accepted in the United States of America (U.S. GAAP), which differ materially from the accounting practices prescribed by various insurance regulatory authorities. Consolidation The Consolidated Financial Statements include the accounts of The Hartford Financial Services Group, Inc., companies in which the Company directly or indirectly has a controlling financial interest and those variable interest entities in which the Company is required to consolidate. Entities in which the Company has significant influence over the operating and financing decisions but are not required to consolidate are reported using the equity method. Material intercompany transactions and balances between The Hartford and its subsidiaries and affiliates have been eliminated. For further discussions on variable interest entities see Note 5. Use of Estimates The preparation of financial statements, in conformity with U.S. GAAP, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The most significant estimates include those used in determining property and casualty reserves, net of reinsurance; life estimated gross profits used in the valuation and amortization of assets and liabilities associated with variable annuity and other universal life-type contracts; evaluation of other-than-temporary impairments on available-for-sale securities and valuation allowances on investments; living benefits required to be fair valued; goodwill impairment; valuation of investments and derivative instruments; pension and other postretirement benefit obligations; valuation allowance on deferred tax assets and contingencies relating to corporate litigation and regulatory matters. Certain of these estimates are particularly sensitive to market conditions, and deterioration and/or volatility in the worldwide debt or equity markets could have a material impact on the Consolidated Financial Statements. Subsequent Events The Hartford has evaluated events subsequent to December31, 2009, and through the Consolidated Financial Statement issuance date of February23, 2010. The Company has not evaluated subsequent events after that date for presentation in these Consolidated Financial Statements. Reclassifications Certain reclassifications

Earnings

Earnings (Loss) Per Share
	12 Months Ended Dec. 31, 2009 USD / shares
Earnings (Loss) Per Share [Abstract]
Earnings (Loss) Per Share	2. Earnings (Loss) per Share The following tables present a reconciliation of net income (loss)and shares used in calculating basic earnings (loss)per common share to those used in calculating diluted earnings (loss)per common share. For the years ended December 31, (In millions, except for per share data) 2009 2008 2007 Income (loss) Net income (loss) $ (887 ) $ (2,749 ) $ 2,949 Less: Preferred stock dividends and accretion of discount 127 8 Net income (loss)available to common shareholders $ (1,014 ) $ (2,757 ) $ 2,949 Common shares Basic Weighted average common shares outstanding 346.3 306.7 316.3 Diluted Stock compensation plans 2.8 Weighted average shares outstanding and dilutive potential common shares 346.3 306.7 319.1 Earnings (loss)per common share Basic 1 2 $ (2.93 ) $ (8.99 ) $ 9.32 Diluted 2 $ (2.93 ) $ (8.99 ) $ 9.24 1 Due to the net loss for the year ended December31, 2008, no allocation of the net loss was made to the preferred shareholders under the two-class method in the calculation of basic earnings per share, as the preferred shareholders had no contractual obligation to fund the net losses of the Company. In the absence of the net loss, any such income would be allocated to the preferred shareholders based on the weighted average number of preferred shares outstanding as of December31, 2008. 2 As a result of the net loss in the years ended December31, 2009 and 2008, the Company used basic weighted average common shares outstanding in the calculation of the year ended December31, 2009 and 2008 diluted loss per share, since the inclusion of shares for warrants of 14.6 and 0, respectively, stock compensation plans of 0.9million and 1.3million, respectively, and the assumed conversion of the preferred shares to common of 0 and 5.0million, respectively, would have been antidilutive to the earnings per share calculation. In the absence of the net loss, weighted average common shares outstanding and dilutive potential common shares would have totaled 361.8million and 313.0million for the years ended December31, 2009 and 2008, respectively. Basic earnings per share is computed based on the weighted average number of common shares outstanding during the year. Diluted earnings per share include the dilutive effect of stock compensation plans, warrants, and assumed conversion of preferred shares to common using the treasury stock method. Contingently issuable shares are included for the number of shares issuable assuming the end of the reporting period was the end of the contingency period, if dilutive. Under the treasury stock method for stock compensation plans, shares are assumed to be issued and then reduced for the number of shares repurchaseable with theoretical proceeds at the average

Segment Information

Segment Information
	12 Months Ended Dec. 31, 2009 USD / shares
Segment Information [Abstract]
Segment Information	3. Segment Information The Hartford is organized into two major operations: Life and Property Casualty, each containing reporting segments. Within the Life and Property Casualty operations, The Hartford conducts business principally in eleven reporting segments. Corporate primarily includes the Companys debt financing and related interest expense, as well as other capital raising activities, banking operations and certain purchase accounting adjustments. Life Lifes business is conducted by Hartford Life, Inc. (Hartford Life or Life), an indirect subsidiary of The Hartford, headquartered in Simsbury, Connecticut, and is a financial services and insurance organization. Life is organized into six reporting segments, Retail Products Group (Retail), Individual Life, Group Benefits, Retirement Plans, International and Institutional Solutions Group (Institutional). Retail offers individual variable and fixed market value adjusted (MVA) annuities, retail mutual funds, and 529 college savings plans. Individual Life sells a variety of life insurance products, including variable universal life, universal life, interest sensitive whole life and term life. Group Benefits provides individual members of employer groups, 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. Retirement Plans provides products and services to corporations pursuant to Section 401(k) and products and services to municipalities and not-for-profit organizations under Section457 and 403(b) of the IRS code. International provides investments, retirement savings and other insurance and savings products to individuals and groups outside the United States. The Companys Japan operation is the largest component of the International segment. In the second quarter 2009, after a strategic review of the Companys core business structure, new product sales in Internationals Japan and European operations were suspended. Subsequently, Internationals operations were restructured to maximize profitability and capital efficiency while continuing to focus on risk management and maintain appropriate service levels. Institutional primarily offers institutional liability products, such as variable Private Placement Life Insurance (PPLI) owned by corporations and high net worth individuals, and mutual funds to institutional investors. Institutional continues to service existing customers of its discontinued businesses which includes stable value products, structured settlements and institutional annuities (primarily terminal funding cases, single premium immediate annuities and longevity assurance). Life includes within its Other segment its leveraged PPLI product line of business; corporate items not directly allocated to any of its reportable operating segments; intersegment eliminations and the mark-to-mark adjustment for the International variable annuity assets that are classified as equity securities, trading, reported in net investment income and the related change in interest credited reported as a component of

Fair Value Measurements - Finan

Fair Value Measurements - Financial Instruments Excluding Guaranteed Living Benefits
	12 Months Ended Dec. 31, 2009 USD / shares
Fair Value Measurements - Financial Instruments Excluding Guaranteed Living Benefits [Abstract]
Fair Value Measurements - Financial Instruments Excluding Guaranteed Living Benefits	4. Fair Value Measurements Financial Instruments Excluding Guaranteed Living Benefits The following financial instruments are carried at fair value in the Companys Consolidated Financial Statements: fixed maturities and equity securities, available-for-sale (AFS), equity securities, trading, short-term investments, freestanding and embedded derivatives, and separate account assets. The following section and Note 4a apply the fair value hierarchy and disclosure requirements for the Companys financial instruments that are carried at fair value. The fair value hierarchy prioritizes the inputs in the valuation techniques used to measure fair value into three broad Levels (Level 1, 2 or 3). Level 1 Observable inputs that reflect quoted prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date. Level 1 securities include highly liquid U.S. Treasuries, money market funds and exchange traded equity, open-ended mutual funds reported in separate account assets and derivative securities, including futures and certain option contracts. Level 2 Observable inputs, other than quoted prices included in Level 1, for the asset or liability or prices for similar assets and liabilities. Most debt securities and preferred stocks, including those reported in separate account assets, are model priced by vendors using observable inputs and are classified within Level 2. Also included in the Level 2 category are derivative instruments that are priced using models with significant observable market inputs, including interest rate, foreign currency and certain credit default swap contracts and have no significant unobservable market inputs. Level 3 Valuations that are derived from techniques in which one or more of the significant inputs are unobservable (including assumptions about risk). Level 3 securities include less liquid securities such as highly structured and/or lower quality asset-backed securities (ABS), commercial mortgage-backed securities (CMBS), commercial real estate (CRE) collateralized debt obligations (CDOs), residential mortgage-backed securities (RMBS) primarily backed by below- prime loans, and private placement securities. Also included in Level 3 are guaranteed product embedded and reinsurance derivatives and other complex derivatives securities, including customized GMWB hedging derivative (see Note 4a for further information of GMWB product related financial instruments), equity derivatives, long dated derivatives, swaps with optionality and certain complex credit derivatives are also included in Level 3. Because Level 3 fair values, by their nature, contain unobservable market inputs as there is little or no observable market for these assets and liabilities, considerable judgment is used to determine the Level 3 fair values. Level 3 fair values represent the Companys best estimate of an amount that could be realized in a current market exchange absent actual market exchanges. In many situations, inputs used to measure the fair value of an asset or liability position may fall into different levels of the fair value hierarch

Fair Value Measurements - Guara

Fair Value Measurements - Guaranteed Living Benefits
	12 Months Ended Dec. 31, 2009 USD / shares
Fair Value Measurements - Guaranteed Living Benefits [Abstract]
Fair Value Measurements - Guaranteed Living Benefits	4a. Fair Value Measurements Guaranteed Living Benefits These disclosures provide information as to the extent to which the Company uses fair value to measure financial instruments related to guaranteed living benefits and the related hedging program and information about the inputs used to value those financial instruments to allow users to assess the relative reliability of the measurements. The following tables present assets and (liabilities)related to the guaranteed living benefits program carried at fair value by hierarchy level. December 31, 2009 Quoted Prices in Active Significant Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Total (Level 1) (Level 2) (Level 3) Assets accounted for at fair value on a recurring basis Variable annuity hedging derivatives $ 9 $ $ $ 9 Macro hedge program 203 8 16 179 Reinsurance recoverable for U.S. guaranteed minimum withdrawal benefit (GMWB) 347 347 Total assets accounted for at fair value on a recurring basis $ 559 $ 8 $ 16 $ 535 Liabilities accounted for at fair value on a recurring basis Other policyholder funds and benefits payable U.S. guaranteed withdrawal benefits $ (1,957 ) $ $ $ (1,957 ) International guaranteed withdrawal benefits (45 ) (45 ) International other guaranteed living benefits 2 2 Variable annuity hedging derivatives 43 (184 ) 227 Macro hedge program 115 (2 ) 6 111 Total liabilities accounted for at fair value on a recurring basis $ (1,842 ) $ (2 ) $ (178 ) $ (1,662 ) December 31, 2008 Quoted Prices in Active Significant Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Total (Level 1) (Level 2) (Level 3) Assets accounted for at fair value on a recurring basis Variable annuity hedging derivatives $ 600 $ $ 13 $ 587 Reinsurance recoverable for U.S. GMWB 1,302 1,302 Total assets accounted for at fair value on a recurring basis $ 1,902 $ $ 13 $ 1,889 Liabilities accounted for at fair value on a recurring basis Other policyholder funds and benefits payable U.S. Guaranteed withdrawal benefits $ (6,526 ) $ $ $ (6,526 ) International guaranteed withdrawal benefits (94 ) (94 ) International other guaranteed living benefits Variable annuity hedging deriva

Investments and Derivative Inst

Investments and Derivative Instruments
	12 Months Ended Dec. 31, 2009 USD / shares
Investments and Derivative Instruments [Abstract]
Investments and Derivative Instruments	5. Investments and Derivative Instruments Significant Investment Accounting Policies Overview The Companys investments in fixed maturities include bonds, redeemable preferred stock and commercial paper. These investments, along with certain equity securities, which include common and non-redeemable preferred stocks, are classified as AFS and are carried at fair value. The after-tax difference from cost or amortized cost is reflected in stockholders equity as a component of Other Comprehensive Income (Loss) (OCI), after adjustments for the effect of deducting the life and pension policyholders share of the immediate participation guaranteed contracts and certain life and annuity deferred policy acquisition costs and reserve adjustments. The equity investments associated with the variable annuity products offered in Japan are recorded at fair value and are classified as trading with changes in fair value recorded in net investment income. Policy loans are carried at outstanding balance. Mortgage loans are recorded at the outstanding principal balance adjusted for amortization of premiums or discounts and net of valuation allowances. Short-term investments are carried at amortized cost, which approximates fair value. Limited partnerships and other alternative investments are reported at their carrying value with the change in carrying value accounted for under the equity method and accordingly the Companys share of earnings are included in net investment income. Recognition of limited partnerships and other alternative investment income is delayed due to the availability of the related financial information, as private equity and other funds are generally on a three-month delay and hedge funds are on a one-month delay. Accordingly, income for the years ended December 31, 2009, 2008 and 2007 may not include the full impact of current year changes in valuation of the underlying assets and liabilities, which are generally obtained from the limited partnerships and other alternative investments general partners. Other investments primarily consist of derivatives instruments which are carried at fair value. Recognition and Presentation of Other-Than-Temporary Impairments In April2009, the FASB updated the guidance related to the recognition and presentation of other-than-temporary impairments which modifies the recognition of other-than-temporary impairment (impairment) losses for debt securities. This new guidance is also applied to certain equity securities with debt-like characteristics (collectively debt securities). Under the new guidance, a debt security is deemed to be other-than-temporarily impaired if it meets the following conditions: 1) the Company intends to sell or it is more likely than not the Company will be required to sell the security before a recovery in value, or 2) the Company does not expect to recover the entire amortized cost basis of the security. If the Company intends to sell or it is more likely than not the Company will be required to sell the security before a recovery in value, a charge is recorded in net realized capital losses equal to the difference between the fair value and amortized cost basi

Reinsurance

Reinsurance
	12 Months Ended Dec. 31, 2009 USD / shares
Reinsurance [Abstract]
Reinsurance	6. Reinsurance Accounting Policy Through both facultative and treaty reinsurance agreements, the Company cedes a share of the risks it has underwritten to other insurance companies. Assumed reinsurance refers to the Companys acceptance of certain insurance risks that other insurance companies have underwritten. Reinsurance accounting is followed for ceded and assumed transactions when risk transfer provisions have been met. If the ceded transactions do not provide risk transfer, the Company accounts for these transactions as financing transactions. To meet risk transfer requirements, a reinsurance contract must include insurance risk, consisting of both underwriting and timing risk, and a reasonable possibility of a significant loss to the reinsurer. Earned premiums and incurred losses and loss adjustment expenses reflect the net effects of ceded and assumed reinsurance transactions. Included in other assets are prepaid reinsurance premiums, which represent the portion of premiums ceded to reinsurers applicable to the unexpired terms of the reinsurance contracts. Reinsurance recoverables include balances due from reinsurance companies for paid and unpaid losses and loss adjustment expenses and are presented net of an allowance for uncollectible reinsurance. The Hartford cedes insurance to other insurers in order to limit its maximum losses and to diversify its exposures and provide surplus relief. Such transfers do not relieve The Hartford of its primary liability under policies it wrote and, as such, failure of reinsurers to honor their obligations could result in losses to The Hartford. The Hartford also is a member of and participates in several reinsurance pools and associations. The Hartford evaluates the financial condition of its reinsurers and monitors concentrations of credit risk. The Hartfords property and casualty reinsurance is placed with reinsurers that meet strict financial criteria established by a credit committee. As of December31, 2009, The Hartford had no reinsurance-related concentrations of credit risk greater than 10% of the Companys stockholders equity. Life In accordance with normal industry practice, Life is involved in both the cession and assumption of insurance with other insurance and reinsurance companies. As of December31, 2009 and 2008, the Companys policy for the largest amount of life insurance retained on any one life by the life operations was $10. Life insurance fees, earned premiums and other were comprised of the following: For the years ended December 31, 2009 2008 2007 Gross fee income, earned premiums and other $ 9,448 $ 10,441 $ 10,675 Reinsurance assumed 162 263 273 Reinsurance ceded (484 ) (421 ) (405 ) Net fee income, earned premiums and other $ 9,126 $ 10,283 $ 10,543 Life reinsures certain of its risks to other reinsurers under yearly renewable term, coinsurance, and modified coinsurance arrangements. Yearly renewable term and coinsurance arrangements result in passing all or a portion of the risk to the reinsurer. Ge

Deferred Policy Acquisition Cos

Deferred Policy Acquisition Costs and Present Value of Future Profits
	12 Months Ended Dec. 31, 2009 USD / shares
Deferred Policy Acquisition Costs and Present Value of Future Profits [Abstract]
Deferred Policy Acquisition Costs and Present Value of Future Profits	7. Deferred Policy Acquisition Costs and Present Value of Future Profits Life Accounting Policy Life capitalizes acquisition costs that vary with and are primarily related to the acquisition of new and renewal insurance contracts. Lifes deferred policy acquisition cost (DAC) asset, which includes the present value of future profits, related to most universal life-type contracts (including variable annuities) is amortized over the estimated life of the contracts acquired in proportion to the present value of estimated gross profits (EGPs). EGPs are also used to amortize other assets and liabilities in the Companys Consolidated Balance Sheets, such as, sales inducement assets (SIA) and unearned revenue reserves (URR). Components of EGPs are used to determine reserves for universal life type contracts (including variable annuities) with death or other insurance benefits such as guaranteed minimum death, guaranteed minimum income and universal life secondary guarantee benefits. These benefits are accounted for and collectively referred to as death and other insurance benefit reserves and are held in addition to the account value liability representing policyholder funds. For most contracts, the Company estimates gross profits over 20years as EGPs emerging subsequent to that timeframe are immaterial. Products sold in a particular year are aggregated into cohorts. Future gross profits for each cohort are projected over the estimated lives of the underlying contracts, based on future account value projections for variable annuity and variable universal life products. The projection of future account values requires the use of certain assumptions including: separate account returns; separate account fund mix; fees assessed against the contract holders account balance; surrender and lapse rates; interest margin; mortality; and hedging costs. Prior to the second quarter of 2009, the Company determined EGPs using the mean derived from stochastic scenarios that had been calibrated to the estimated separate account return. The Company also completed a comprehensive assumption study, in the third quarter of each year, and revised best estimate assumptions used to estimate future gross profits when the EGPs in the Companys models fell outside of an independently determined reasonable range of EGPs. The Company also considered, on a quarterly basis, other qualitative factors such as product, regulatory and policyholder behavior trends and would revise EGPs if those trends were expected to be significant. Beginning with the second quarter of 2009, the Company now determines EGPs from a single deterministic reversion to mean (RTM) separate account return projection which is an estimation technique commonly used by insurance entities to project future separate account returns. Through this estimation technique, the Companys DAC model is adjusted to reflect actual account values at the end of each quarter. Through consideration of recent market returns, the Company will unlock, or adjust, projected returns over a future period so that the account value returns to the long-term expected rate of return, providing that those projected return

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets
	12 Months Ended Dec. 31, 2009 USD / shares
Goodwill and Other Intangible Assets [Abstract]
Goodwill and Other Intangible Assets	8. Goodwill and Other Intangible Assets Goodwill Goodwill represents the excess of costs over the fair value of net assets acquired. Goodwill is not amortized but is reviewed for impairment at least annually or more frequently if events occur or circumstances change that would indicate that a triggering event has occurred. The goodwill impairment test follows a two step process. In the first step, the fair value of a reporting unit is compared to its carrying value. If the carrying value of a reporting unit exceeds its fair value, the second step of the impairment test is performed for purposes of measuring the impairment. In the second step, the fair value of the reporting unit is allocated to all of the assets and liabilities of the reporting unit to determine an implied goodwill value. This allocation is similar to a purchase price allocation performed in purchase accounting. If the carrying amount of the reporting unit goodwill exceeds the implied goodwill value, an impairment loss shall be recognized in an amount equal to that excess. The carrying amount of goodwill allocated to reporting segments as of December31 is shown below. December 31, 2009 December 31, 2008 Accumulated Carrying Accumulated Carrying Gross Impairments Value Gross Impairments Value Life Retail $ 581 $ (422 ) $ 159 $ 581 $ (422 ) $ 159 Individual Life 224 224 224 224 Retirement Plans 87 87 79 79 Total Life 892 (422 ) 470 884 (422 ) 462 Property Casualty Personal Lines 119 119 119 119 Specialty Commercial 30 30 30 30 Total Property Casualty 149 149 149 149 Corporate 940 (355 ) 585 772 (323 ) 449 Total Goodwill $ 1,981 $ (777 ) $ 1,204 $ 1,805 $ (745 ) $ 1,060 The Companys goodwill impairment test performed during the first quarter of 2009 for the Life reporting units, resulted in a write-down of $32 in the Institutional reporting unit of Corporate. Goodwill within Corporate is primarily attributed to the Companys buy-back of Life in 2000 and is allocated to the various Life reporting units. As a result of rating agency downgrades of Lifes financial strength ratings during the first quarter of 2009 and high credit spreads related to The Hartford, during the first quarter of 2009, the Company believed its ability to generate new business in the Institutional reporting unit would remain pressured for ratings-sensitive products. The Company believed goodwill associated with the Institutional line of business was impaired due to the pressure on new sales for Institutionals ratings-sensitive business and the significant unrealized losses in Institutionals inves

Separate Accounts, Death Benefi

Separate Accounts, Death Benefits and Other Insurance Benefit Features
	12 Months Ended Dec. 31, 2009 USD / shares
Separate Accounts, Death Benefits and Other Insurance Benefit Features [Abstract]
Separate Accounts, Death Benefits and Other Insurance Benefit Features	9. Separate Accounts, Death Benefits and Other Insurance Benefit Features Accounting Policy The Company records the variable portion of individual variable annuities, 401(k), institutional, 403(b)/457, private placement life and variable life insurance products within separate accounts. Separate account assets are reported at fair value and separate account liabilities are reported at amounts consistent with separate account assets. Investment income and gains and losses from those separate account assets accrue directly to the policyholder, who assumes the related investment risk, and are offset by the related liability changes reported in the same line item in the Consolidated Statements of Operations. The Company earns fees for investment management, certain administrative expenses, and mortality and expense risks assumed which are reported in fee income. Certain contracts classified as universal life-type include death and other insurance benefit features including guaranteed minimum death benefits (GMDB) and guaranteed minimum income benefits (GMIB), offered with variable annuity contracts, or secondary guarantee benefits offered with universal life (UL) insurance contracts. GMDBs and GMIBs have been written in various forms as described in this note. UL secondary guarantee benefits ensure that the universal life policy will not terminate, and will continue to provide a death benefit, even if there is insufficient policy value to cover the monthly deductions and charges. These death and other insurance benefit features require an additional liability be held above the account value liability representing the policyholders funds. This liability is reported in reserve for future policy benefits in the Companys Consolidated Balance Sheets. Changes in the death and other insurance benefit reserves are recorded in benefits, losses and loss adjustment expenses in the Companys Consolidated Statements of Operations. The death and other insurance benefit liability is determined by estimating the expected present value of the benefits in excess of the policyholders expected account value in proportion to the present value of total expected assessments. The liability is accrued as actual assessments are recorded. The expected present value of benefits and assessments are generally derived from a set of stochastic scenarios, that have been calibrated to our RTM separate account returns, and assumptions including market rates of return, volatility, discount rates, lapse rates and mortality experience. Consistent with the Companys policy on DAC Unlock, the Company regularly evaluates estimates used and adjusts the additional liability balance, with a related charge or credit to benefits, losses and loss adjustment expense. For further information on the DAC Unlock, see Note 7. The Company reinsures a portion of its in-force GMDB and UL secondary guarantees. The death and other insurance benefit reserves, net of reinsurance, are established by estimating the expected value of net reinsurance costs and death and other insurance benefits in excess of the projected account balance. The additional death and other insurance benefits and

Sales Inducements

Sales Inducements
	12 Months Ended Dec. 31, 2009 USD / shares
Sales Inducements [Abstract]
Sales Inducements	10. Sales Inducements Accounting Policy The Company offers enhanced crediting rates or bonus payments to contract holders on certain of its individual and group annuity products. The expense associated with offering a bonus is deferred and amortized over the life of the related contract in a pattern consistent with the amortization of deferred policy acquisition costs. The Company unlocks the amortization of the sales inducement asset consistent with the DAC Unlock. For further information on the DAC Unlock, see Note 7. Deferred Sales Inducements Changes in deferred sales inducement activity were as follows for the year ended December31: 2009 2008 Balance, January 1 $ 553 $ 467 Sales inducements deferred 59 151 Amortization charged to income (105 ) (21 ) Amortization Unlock (69 ) (44 ) Balance, end of period, December 31 $ 438 $ 553

Reserves For Future Policy Bene

Reserves For Future Policy Benefits And Unpaid Losses And Loss Adjustment Expenses
	12 Months Ended Dec. 31, 2009 USD / shares
Reserves for Future Policy Benefits and Unpaid Losses and Loss Adjustment Expenses [Abstract]
Reserves for Future Policy Benefits and Unpaid Losses and Loss Adjustment Expenses	11. Reserves for Future Policy Benefits and Unpaid Losses and Loss Adjustment Expenses Life Accounting Policy Liabilities for future policy benefits are calculated by the net level premium method using interest, withdrawal and mortality assumptions appropriate at the time the policies were issued. The methods used in determining the liability for unpaid losses and future policy benefits are standard actuarial methods recognized by the American Academy of Actuaries. For the tabular reserves, discount rates are based on the Companys earned investment yield and the morbidity/mortality tables used are standard industry tables modified to reflect the Companys actual experience when appropriate. In particular, for the Companys group disability known claim reserves, the morbidity table for the early durations of claim is based exclusively on the Companys experience, incorporating factors such as gender, elimination period and diagnosis. These reserves are computed such that they are expected to meet the Companys future policy obligations. Future policy benefits are computed at amounts that, with additions from estimated premiums to be received and with interest on such reserves compounded annually at certain assumed rates, are expected to be sufficient to meet the Companys policy obligations at their maturities or in the event of an insureds death. Changes in or deviations from the assumptions used for mortality, morbidity, expected future premiums and interest can significantly affect the Companys reserve levels and related future operations and, as such, provisions for adverse deviation are built into the long-tailed liability assumptions. Liabilities for the Companys group life and disability contracts, as well as its individual term life insurance policies, include amounts for unpaid losses and future policy benefits. Liabilities for unpaid losses include estimates of amounts to fully settle known reported claims, as well as claims related to insured events that the Company estimates have been incurred but have not yet been reported. These reserve estimates are based on known facts and interpretations of circumstances, and consideration of various internal factors including The Hartfords experience with similar cases, historical trends involving claim payment patterns, loss payments, pending levels of unpaid claims, loss control programs and product mix. In addition, the reserve estimates are influenced by consideration of various external factors including court decisions, economic conditions and public attitudes. The effects of inflation are implicitly considered in the reserving process. Life Reserve Development Lifes reserve development resulting primarily from group disability products is as follow: For the years ended December 31, 2009 2008 2007 Beginning liabilities for life unpaid losses and loss adjustment expenses-gross $ 6,066 $ 6,028 $ 5,877 Reinsurance recoverables 231 261 236 Beginning liabilities for life unpaid losses and loss adjustment expenses 5,835 5,767 5,641 Add provision for life u

Commitments and Contingencies

Commitments and Contingencies
	12 Months Ended Dec. 31, 2009 USD / shares
Commitments and Contingencies [Abstract]
Commitments and Contingencies	12. Commitments and Contingencies Accounting Policy Management evaluates each contingent matter separately. A loss is recorded if probable and reasonably estimable. Management establishes reserves for these contingencies at its best estimate, or, if no one number within the range of possible losses is more probable than any other, the Company records an estimated reserve at the low end of the range of losses. Litigation The Hartford is involved in claims litigation arising in the ordinary course of business, both as a liability insurer defending or providing indemnity for third-party claims brought against insureds and as an insurer defending coverage claims brought against it. The Hartford accounts for such activity through the establishment of unpaid loss and loss adjustment expense reserves. Subject to the uncertainties discussed below under the caption Asbestos and Environmental Claims, management expects that the ultimate liability, if any, with respect to such ordinary-course claims litigation, after consideration of provisions made for potential losses and costs of defense, will not be material to the consolidated financial condition, results of operations or cash flows of The Hartford. The Hartford is also involved in other kinds of legal actions, some of which assert claims for substantial amounts. These actions include, among others, putative state and federal class actions seeking certification of a state or national class. Such putative class actions have alleged, for example, underpayment of claims or improper underwriting practices in connection with various kinds of insurance policies, such as personal and commercial automobile, property, life and inland marine; improper sales practices in connection with the sale of life insurance and other investment products; and improper fee arrangements in connection with investment products. The Hartford also is involved in individual actions in which punitive damages are sought, such as claims alleging bad faith in the handling of insurance claims. Like many other insurers, The Hartford also has been joined in actions by asbestos plaintiffs asserting, among other things, that insurers had a duty to protect the public from the dangers of asbestos and that insurers committed unfair trade practices by asserting defenses on behalf of their policyholders in the underlying asbestos cases. Management expects that the ultimate liability, if any, with respect to such lawsuits, after consideration of provisions made for estimated losses, will not be material to the consolidated financial condition of The Hartford. Nonetheless, given the large or indeterminate amounts sought in certain of these actions, and the inherent unpredictability of litigation, an adverse outcome in certain matters could, from time to time, have a material adverse effect on the Companys consolidated results of operations or cash flows in particular quarterly or annual periods. Broker Compensation Litigation Following the New York Attorney Generals filing of a civil complaint against Marsh McLennan Companies, Inc., and Marsh, Inc. (collectively, Marsh) in October2004 alleging that certain insurance c

Income Tax

Income Tax
	12 Months Ended Dec. 31, 2009 USD / shares
Income Tax [Abstract]
Income Tax	13. Income Tax The Company recognizes taxes payable or refundable for the current year and deferred taxes for the tax consequences of differences between the financial reporting and tax basis of assets and liabilities. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years the temporary differences are expected to reverse. The provision (benefit)for income taxes consists of the following: For the years ended December 31, 2009 2008 2007 Income Tax Expense (Benefit) Current U.S. Federal $ 502 $ (247 ) $ 436 International Total current 502 (247 ) 436 Deferred U.S. Federal Excluding NOL Carryforward (1,580 ) (1,574 ) 473 Net Operating Loss Carryforward 712 (742 ) International (475 ) 721 147 Total deferred (1,343 ) (1,595 ) 620 Total income tax expense (benefit) $ (841 ) $ (1,842 ) $ 1,056 Deferred tax assets (liabilities)include the following as of December31: Deferred Tax Assets 2009 2008 Tax discount on loss reserves $ 682 $ 725 Tax basis deferred policy acquisition costs and reserves 641 703 Unearned premium reserve and other underwriting related reserves 401 405 Investment-related items 1,718 2,000 Employee benefits 494 419 Net unrealized losses on investments 1,581 4,265 Minimum tax credit 1,102 641 Capital loss carryover 535 195 Net operating loss carryover 86 850 Other 66 25 Total Deferred Tax Assets 7,306 10,228 Valuation Allowance (86 ) (75 ) Deferred Tax Assets, Net of Valuation Allowance 7,220 10,153 Deferred Tax Liabilities Financial statement deferred policy acquisition costs and reserves (3,179 ) (4,816 ) Other depreciable amortizable assets (43 ) (13 ) Other (58 ) (85 ) Total Deferred Tax Liabilities (3,280 ) (4,914 ) Net Deferred Tax Asset $ 3,940 $ 5,239 The Company had a current income tax payable of $216 as of December31, 2009 and a current tax receivable of $539 as of December31, 2008. The Companys net deferred tax asset includes a net deferred tax liability of $849 and $1,458 for Japan in 2009 and 2008, respectively. In managements judgment, the net deferred tax asset will more likely than not be realized. Included in the deferred tax asset is the expected tax benefit attributable to net operating losses of $308, consisting of U.S. losses of $18, which expire from 2012-2021, and foreign losses of $290. The foreign losses have no expiration. A valuation allowance of $86 has been recorded which consists of $6 related primarily to U.S and $80 related to foreign operations. No valuation allowance has b

Debt

Debt
	12 Months Ended Dec. 31, 2009 USD / shares
Debt [Abstract]
Debt	14. Debt The Hartfords long-term debt securities are issued by either The Hartford Financial Services Group, Inc. (HFSG Holding Company) or Hartford Life, Inc. (HLI) and are unsecured obligations of HFSG Holding Company or HLI and rank on a parity with all other unsecured and unsubordinated indebtedness of HFSG Holding Company or HLI. In addition to HFSG Holding Company and HLI, The Hartford acquired $5 in junior subordinated debt of Federal Trust Corporation, see Note 22. The following table presents short-term and long-term debt by issuance as of December31, 2009 and 2008. Short-Term Debt 2009 2008 Commercial paper $ $ 374 Current maturities of long-term debt and capital lease obligations 343 24 Total Short-Term Debt $ 343 $ 398 Long-Term Debt Senior Notes and Debentures 7.9% Notes, due 2010 $ $ 275 5.25% Notes, due 2011 400 400 4.625% Notes, due 2013 320 319 4.75% Notes, due 2014 199 199 7.3% Notes, due 2015 200 200 5.5% Notes, due 2016 300 300 5.375% Notes, due 2017 499 499 6.3% Notes, due 2018 500 500 6.0% Notes, due 2019 499 499 7.65% Notes, due 2027 149 148 7.375% Notes, due 2031 92 92 5.95% Notes, due 2036 298 298 6.1% Notes, due 2041 323 323 Total Senior Notes and Debentures 3,779 4,052 Junior Subordinated Debentures 3month LIBOR plus 295 basis points, Notes due 2033 5 8.125% Notes, due 2068 500 500 10.0% Notes, due 2068 1,212 1,203 Total Junior Subordinated Debentures 1,717 1,703 Capital lease obligations 68 Total Long-Term Debt $ 5,496 $ 5,823 The effective interest rate on the 6.1% senior notes due 2041 is 7.9%, on the 3month LIBOR plus 295 basis points junior subordinated debentures due 2033 is 3.0%, and on the 10.0% junior subordinated debentures due 2068 is 15.3%. The effective interest rate on the remaining notes does not differ materially from the stated rate. Interest Expense The following table presents interest expense incurred for 2009, 2008 and 2007, respectively. For the years ended December 31, 2009 2008 2007 Short-term debt $ 3 $ 11 $ 13 Long-term debt 473 332 250 Total interest expense $ 476 $ 343 $ 263 The weighted-average interest rate on commercial paper was 2.4%, 2.9% and 5.1% for 2009, 2008 and 2007, respectively. Senior Notes On November16, 2008, The Hartford repaid its $330, 5.663% senior notes at maturity. On November1, 2008, The Hartford repaid its $200, 6.375% senior notes at maturity. On August16, 2008, The Hartford repaid its $425, 5.55% senior notes at maturity. On May12, 2008, The Hartford issued $500 of 6.0% senior notes due January15, 2019. On March4, 2008, The H

Equity

Equity
	12 Months Ended Dec. 31, 2009 USD / shares
Equity [Abstract]
Equity	15. Equity Increase in Authorized Common Shares On May27, 2009, at the Companys annual meeting of shareholders, shareholders approved an increase in the aggregate authorized number of shares of common stock from 750million to 1.5billion. Preferred Stock The Company has 50,000,000 shares of preferred stock authorized, see Note 21 for a discussion of Allianz SEs investment in The Hartford and discussion below on the Companys participation in the Capital Purchase Program. The Companys Participation in the Capital Purchase Program On June26, 2009, as part of the Capital Purchase Program (CPP) established by the U.S. Department of the Treasury (Treasury) under the Emergency Economic Stabilization Act of 2008 (the EESA), the Company entered into a Private Placement Purchase Agreement with Treasury pursuant to which the Company issued and sold to Treasury 3,400,000 shares of the Companys Fixed Rate Cumulative Perpetual Preferred Stock, SeriesE, having a liquidation preference of $1,000 per share (the SeriesE Preferred Stock), and a ten-year warrant to purchase up to 52,093,973 shares of the Companys common stock, par value $0.01 per share, at an initial exercise price of $9.79 per share, for an aggregate purchase price of $3.4billion. Cumulative dividends on the SeriesE Preferred Stock will accrue on the liquidation preference at a rate of 5% per annum for the first five years, and at a rate of 9% per annum thereafter. The Series E Preferred Stock has no maturity date and ranks senior to the Companys common stock. The Series E Preferred Stock is non-voting. Pursuant to our agreement with Treasury in connection with Treasurys CPP investment in the Company, prior to the earlier of June26, 2012 and the date on which the SeriesE Preferred Stock has been redeemed in whole or Treasury has transferred all of the SeriesE Preferred Stock to non-affiliates, the Company may not, without the consent of Treasury, declare or pay a regular cash dividend for an amount greater than $0.05 per quarter. The Company may redeem the SeriesE Preferred Stock with the consent of the Office of Thrift Supervision, after consultation with Treasury. Upon issuance, the fair values of the SeriesE Preferred Stock and the associated warrants were computed as if the instruments were issued on a stand alone basis. The fair value of the SeriesE Preferred stock was estimated based on a five-year holding period and cash flows discounted at a rate of 13% resulting in a fair value estimate of approximately $2.5billion. The Company used a Black-Scholes options pricing model including an adjustment for American-style options to estimate the fair value of the warrants, resulting in a stand alone fair value of approximately $400. The most significant and unobservable assumption in this valuation was the Companys share price volatility. The Company used a long-term realized volatility of the Companys stock of 62%. In addition, the Company assumed a dividend yield of 1.72%. The individual fair values were then used to record the Preferred Stock and associated warrants on a relative fair value basis of $2.9billion and $480, respectively. The warrants of $480 we

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss), Net of Tax
	12 Months Ended Dec. 31, 2009 USD / shares
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss), Net of Tax	16. Accumulated Other Comprehensive Income (Loss), Net of Tax The components of AOCI were as follows: Net Gain Pension and (Loss) on Foreign Other Accumulated Unrealized Cash-Flow Currency Postretirement Other Gain (Loss) Hedging Translation Plan Comprehensive on Securities Instruments Adjustments Adjustment Income (Loss) For the year ended December 31, 2009 Balance, beginning of year $ (7,486 ) $ 644 $ 222 $ (900 ) $ (7,520 ) Unrealized gain on securities 1 2 5,909 5,909 Change in other-than-temporary impairment losses recognized in other comprehensive income 1 (224 ) (224 ) Cumulative effect of accounting change (912 ) (912 ) Change in net gain on cash-flow hedging instruments 1 3 (387 ) (387 ) Change in foreign currency translation adjustments 1 (23 ) (23 ) Change in pension and other postretirement plan adjustment 1 (155 ) (155 ) Balance, end of year $ (2,713 ) $ 257 $ 199 $ (1,055 ) $ (3,312 ) For the year ended December31, 2008 Balance, beginning of year $ (359 ) $ (140 ) $ 26 $ (385 ) $ (858 ) Unrealized loss on securities 1 2 (7,127 ) (7,127 ) Change in net loss on cash-flow hedging instruments 1 3 784 784 Change in foreign currency translation adjustments 1 196 196 Change in pension and other postretirement plan adjustment 1 (515 ) (515 ) Balance, end of year $ (7,486 ) $ 644 $ 222 $ (900 ) $ (7,520 ) For the year ended December31, 2007 Balance, beginning of year $ 1,058 $ (234 ) $ (120 ) $ (526 ) $ 178 Unrealized loss on securities 1 2 (1,417 ) (1,417 ) Change in net loss on cash-flow hedging instruments 1 3 94 94 Change in foreign currency translation adjustments 1 146 146 Change in pension and other postretirement plan adjustment 1 141 141 Balance, end of year $ (359 ) $ (140 ) $ 26 $ (385 ) $ (858 ) 1 Included in the unrealized gain/loss balance as of December31, 2009, 2008 and 2007 was net unrealized gains (losses)credited to policyholders of $(82), $(101) and $3, respectively. Included in the AOCI components were the following: Unrealized gain/loss on securities is net of tax and Life deferred acquisition costs of $2,358, $(3,366), and $(718) f

Pension Plans and Postretiremen

Pension Plans and Postretirement Health Care and Life Insurance Benefit Plans
	12 Months Ended Dec. 31, 2009 USD / shares
Pension Plans and Postretirement Health Care and Life Insurance Benefit Plans [Abstract]
Pension Plans and Postretirement Health Care and Life Insurance Benefit Plans	17. Pension Plans and Postretirement Health Care and Life Insurance Benefit Plans The Company maintains a qualified defined benefit pension plan (the Plan) that covers substantially all employees. Effective for all employees who joined the Company on or after January1, 2001, a new component or formula was applied under the Plan referred to as the cash balance formula. Effective January1, 2009, the Company began using a cash balance formula to calculate future pension benefits for services rendered on or after January1, 2009 for all employees hired before January1, 2001. These amounts are in addition to amounts earned by those employees through December31, 2008 under the traditional final average pay formula. The Company also maintains non-qualified pension plans to accrue retirement benefits in excess of Internal Revenue Code limitations. The Company provides certain health care and life insurance benefits for eligible retired employees. The Companys contribution for health care benefits will depend upon the retirees date of retirement and years of service. In addition, the plan has a defined dollar cap for certain retirees which limits average Company contributions. The Hartford has prefunded a portion of the health care obligations through a trust fund where such prefunding can be accomplished on a tax effective basis. Effective January1, 2002, Company-subsidized retiree medical, retiree dental and retiree life insurance benefits were eliminated for employees with original hire dates with the Company on or after January1, 2002. Assumptions Pursuant to accounting principles related to the Companys pension and other postretirement obligations to employees under its various benefit plans, the Company is required to make a significant number of assumptions in order to calculate the related liabilities and expenses each period. The two economic assumptions that have the most impact on pension and other postretirement expense are the discount rate and the expected long-term rate of return on plan assets. In determining the discount rate assumption, the Company utilizes a discounted cash flow analysis of the Companys pension and other postretirement obligations and currently available market and industry data. The yield curve utilized in the cash flow analysis is comprised of bonds rated Aa or higher with maturities primarily between zero and thirty years. Based on all available information, it was determined that 6.00% and 5.75% were the appropriate discount rates as of December31, 2009 to calculate the Companys pension and other postretirement obligations, respectively. Accordingly, the 6.00% and 5.75% discount rates will also be used to determine the Companys 2010 pension and other postretirement expense, respectively. The Company determines the expected long-term rate of return assumption based on an analysis of the Plan portfolios historical compound rates of return since 1979 (the earliest date for which comparable portfolio data is available) and over 5year and 10year periods. The Company selected these periods, as well as shorter durations, to assess the portfolios volatility, duration and total returns as they rela

Stock Compensation Plans

Stock Compensation Plans
	12 Months Ended Dec. 31, 2009 USD / shares
Stock Compensation Plans [Abstract]
Stock Compensation Plans	18. Stock Compensation Plans The Company has three primary stock-based compensation plans which are described below. Shares issued in satisfaction of stock-based compensation may be made available from authorized but unissued shares, shares held by the Company in treasury or from shares purchased in the open market. In 2009 and 2008, the Company issued shares from treasury in satisfaction of stock-based compensation. In 2007, the Company issued new shares in satisfaction of stock-based compensation. The compensation expense recognized for the stock-based compensation plans was $72, $62 and $72 for the years ended December31, 2009, 2008, and 2007, respectively. The income tax benefit recognized for stock-based compensation plans was $20, $19 and $23 for the years ended December31, 2009, 2008 and 2007, respectively. The Company did not capitalize any cost of stock-based compensation. As of December31, 2009, the total compensation cost related to non-vested awards not yet recognized was $100, which is expected to be recognized over a weighted average period of 1.9years. Stock Plan In 2005, the shareholders of The Hartford approved The Hartford 2005 Incentive Stock Plan (the 2005 Stock Plan), which superseded and replaced The Hartford Incentive Stock Plan and The Hartford Restricted Stock Plan for Non-employee Directors. The terms of the 2005 Stock Plan are substantially similar to the terms of the superseded plans. The 2005 Stock Plan provides for awards to be granted in the form of non-qualified or incentive stock options qualifying under Section422 of the Internal Revenue Code, stock appreciation rights, performance shares, restricted stock, restricted stock units, restricted units or any combination of the foregoing. The aggregate number of shares of stock, which may be awarded, is subject to a maximum limit of seven million shares applicable to all awards for the ten-year period ending May 18, 2015. To the extent that any awards under the 2005 Stock Plan, The Hartford Incentive Stock Plan or The Hartford Restricted Stock Plan for Non-employee Directors are forfeited, terminated, expire unexercised or are settled for cash in lieu of stock, the shares subject to such awards (or the relevant portion thereof) shall be available for awards under the 2005 Stock Plan and shall be added to the total number of shares available under the 2005 Stock Plan. As of December31, 2009, there were 3,637,375 shares available for future issuance. The fair values of awards granted under the 2005 Stock Plan are generally measured as of the grant date and expensed ratably over the awards vesting periods, generally three years. For stock option awards granted or modified in 2006 and later, the Company began expensing awards to retirement-eligible employees hired before January1, 2002 immediately or over a period shorter than the stated vesting period because the employees receive accelerated vesting upon retirement and therefore the vesting period is considered non-substantive. All awards provide for accelerated vesting upon a change in control of the Company as defined in the 2005 Stock Plan. Stock Option Awards Under the 2005 Stock

Investment and Savings Plan

Investment and Savings Plan
	12 Months Ended Dec. 31, 2009 USD / shares
Investment and Savings Plan [Abstract]
Investment and Savings Plan	19. Investment and Savings Plan Substantially all U.S. employees are eligible to participate in The Hartfords Investment and Savings Plan under which designated contributions may be invested in common stock of The Hartford or certain other investments. These contributions are matched, up to 3% of base salary, by the Company. In 2009, employees who had earnings of less than $105,000 in the preceding year received a contribution of 1.5% of base salary and employees who had earnings of $105,000 or more in the preceding year received a contribution of 0.5% of base salary. The cost to The Hartford for this plan was approximately $64, $64, and $62 for 2009, 2008 and 2007, respectively. Additionally, The Hartford has established a defined contribution pension plan for certain employees of the Companys international subsidiaries. Under this plan, the Company contributes 5% of base salary to the participant accounts. The cost to The Hartford in 2009, 2008 and 2007 for this plan was $2, $2 and $2, respectively.

Sale of First State Management

Sale of First State Management Group
	12 Months Ended Dec. 31, 2009 USD / shares
Sale of First State Management Group [Abstract]
Sale of First State Management Group	20. Sale of First State Management Group On March31, 2009, the Company sold First State Management Group, Inc. (FSMG), its core excess and surplus lines property business, to Beazley Group PLC (Beazley) for $27, resulting in a gain on sale of $18, before-tax, and $12, after-tax. Included in the sale was approximately $4 in net assets of FSMG. The net assets sold to Beazley did not include invested assets, unearned premium or deferred policy acquisition costs related to the in-force book of business. Rather, the in-force book of business was ceded to Beazley under a separate reinsurance agreement, whereby the Company ceded $26 of unearned premium, net of $10 in ceding commission. Under the terms of the purchase and sale agreement, the Company continues to be obligated for all losses and loss adjustment expenses incurred on or before March31, 2009. The retained net loss and loss adjustment expense reserves totaled $125 as of December31, 2009.

Investment by Allianz SE in The

Investment by Allianz SE in The Hartford
	12 Months Ended Dec. 31, 2009 USD / shares
Investment by Allianz SE in The Hartford [Abstract]
Investment by Allianz SE in The Hartford	21. Investment by Allianz SE in The Hartford On October17, 2008, the Company entered into an Investment Agreement (the Investment Agreement), with Allianz SE (Allianz) under which, among other things, the Company agreed to issue and sell in a private placement to Allianz for aggregate cash consideration of $2.5billion: (i) $1.75billion of the Companys 10% Fixed-to-Floating Rate Junior Subordinated Debentures due 2068 (the Debentures); (ii)6,048,387 shares of the Companys SeriesD Non-Voting Contingent Convertible Preferred Stock (the SeriesD Preferred Stock), initially convertible (as discussed below) into 24,193,548 shares of the Companys common stock at an issue price of $31.00 per share, resulting in proceeds of $750; and (iii)warrants (the Warrants) to purchase the Companys Series B Non-Voting Contingent Convertible Preferred Stock (the SeriesB Preferred Stock) and SeriesC Non-Voting Contingent Convertible Preferred Stock (the SeriesC Preferred Stock and, together with the SeriesB Preferred Stock and the SeriesD Preferred Stock, the Preferred Stock) structured to entitle Allianz, upon receipt of necessary approvals, to purchase 69,115,324 shares of common stock at an initial exercise price of $25.32 per share. The Company agreed that, for the one-year period following October17, 2008, it would pay certain amounts to Allianz if the Company effects or agrees to effect any transaction (or series of transactions) pursuant to which any person or group (within the meaning of the U.S. federal securities laws) is issued common stock or certain equity-related instruments constituting more than 5% of the Companys fully-diluted common stock outstanding at the time for an effective price per share (determined as provided in the Investment Agreement) of less than $25.32. Amounts so payable depend on the effective price for the applicable transaction (or the weighted average price for a series of transactions) and range from $50 if the effective price per share is between $25.31 and $23.00, $150 if the effective price per share is between $22.99 and $20.00, $200 if the effective price per share is between $19.99 and $15.00 and $300 if the effective price per share is $14.99 or less. The issuance of warrants to Treasury, see Note 15, triggered the contingency payment in the Investment Agreement related to additional investors. Upon receipt of preliminary approval to participate in the CPP, The Hartford negotiated with Allianz to modify the form of the $300 contingency payment. The settlement of the contingency payment was negotiated to allow Allianz a one-time extension of the exercise period of its outstanding warrants from seven years to ten years and $200 in cash paid on October15, 2009. The Hartford recorded a liability for the cash payment and an adjustment to additional paid-in capital for the warrant modification resulting in a net realized capital loss of approximately $300. Debentures The 10% Fixed-to-Floating Rate Junior Subordinated Debentures due 2068 bear interest at an annual fixed rate of 10% from the date of issuance to, but excluding, October15, 2018, payable semi-annually in arrears on April15 and October15. From an

Acquisition of Federal Trust Co

Acquisition of Federal Trust Corporation
	12 Months Ended Dec. 31, 2009 USD / shares
Acquisition of Federal Trust Corporation [Abstract]
Acquisition of Federal Trust Corporation	22. Acquisition of Federal Trust Corporation On June24, 2009, the Company acquired 100% of the equity interests in Federal Trust Corporation (FTC), a savings and loan holding company, for $10, enabling the Company to participate in the CPP. The acquisition resulted in goodwill of $168. The goodwill generated, which is tax deductible, was due, in part, to the fair value discount on mortgage loans acquired in comparison to their expected cash flows. Mortgage loans acquired were fair valued at $288. Contractual cash flows from the mortgage loans acquired were $450. The Companys best estimate of contractual cash flows not expected to be collected at the acquisition date was $129. Other assets acquired included $27 of fixed maturity securities, $46 of short-term investments and $3 of cash. Liabilities assumed included other liabilities of $389 in bank deposits and $149 in Federal Home Loan Bank advances and long-term debt of $25. The acquired assets and liabilities have been stated at fair value. These fair values are subject to adjustment based upon managements subsequent receipt of additional information but are not expected to be material. The Company expects to be completed with its fair value estimates as of June30, 2010. The Company contributed $185 to FTC in June2009 and received $20 in full repayment of amounts lent to FTC in March2009. In the third quarter of 2009, The Hartford contributed an additional $10 to FTC. Revenue and earnings of FTC are immaterial to the Companys consolidated financial statements. Federal Trust Bank, an indirect wholly-owned subsidiary (the Bank), is subject to certain restrictions on the amount of dividends that it may declare and distribute to The Hartford without prior regulatory notification or approval. The Bank is also subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Banks financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Banks assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Banks capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. The following tables summarize the capital thresholds for the minimum and well capitalized designations at December31, 2009. An institutions capital category is based on whether it meets the threshold for all three capital ratios within the category. At December31, 2009, the Banks Tier 1 capital ratio was 8.3%. The Bank was designated as a well capitalized institution at December31, 2009. To Be Well Capitalized Under Prompt For Minimum Capital Corrective Action Actual Adequacy Pur

Restructuring, Severance and Ot

Restructuring, Severance and Other Costs
	12 Months Ended Dec. 31, 2009 USD / shares
Restructuring, Severance and Other Costs [Abstract]
Restructuring, Severance and Other Costs	23. Restructuring, Severance and Other Costs During the year ended December31, 2009, the Company completed a review of several strategic alternatives with a goal of preserving capital, reducing risk and stabilizing its ratings. These alternatives included the potential restructuring, discontinuation or disposition of various business lines. Following that review, the Company announced that it would suspend all new sales in Internationals Japan and European operations. The Company has also executed on plans to change the management structure of the organization and reorganized the nature and focus of certain of the Companys operations. These plans resulted in termination benefits to current employees, costs to terminate leases and other contracts and asset impairment charges. The Company will complete these restructuring activities and execute final payment by December2010. The following pre-tax charges were incurred during the year ended December31, 2009 in connection with these restructuring activities: Severance benefits $ 52 Asset impairment charges 53 Other contract termination charges 34 Total severance and other costs for the year ended December31, 2009 $ 139 As of December31, 2009 the liability for lease and other contract termination charges was $28 as there were $6 in payments made during the year ended December31, 2009 for these charges. The amounts incurred during the year ended December31, 2009 were recorded in other expenses with approximately $119 recorded in the Life Other segment, $12 recorded in the Corporate segment and $8 recorded in the Property Casualty operations.

Sale of Joint Venture Interest

Sale of Joint Venture Interest in ICATU Hartford Seguros, S.A.
	12 Months Ended Dec. 31, 2009 USD / shares
Sale of Joint Venture Interest in ICATU Hartford Seguros, S.A. [Abstract]
Sale of Joint Venture Interest in ICATU Hartford Seguros, S.A.	24. Sale of Joint Venture Interest in ICATU Hartford Seguros, S.A. On November23, 2009, in keeping with the Companys June2009 announcement to return to its historical strengths as a U.S.-centric insurance company, the Company entered into a Share Purchase Agreement to sell its joint venture interest in ICATU Hartford Seguros, S.A. (IHS), its Brazilian insurance operation, to its partner, ICATU Holding S.A., for $135. The transaction is expected to close in the first quarter of 2010. IHS primarily sells life insurance policies, capitalization products and private pension plans. The investment in IHS was reported as an equity method investment in Other Assets. As a result of the Share Purchase Agreement, the Company recorded in 2009, an asset impairment charge, net of unrealized capital gains and foreign currency translation adjustments, in net realized capital losses of approximately $51, pre-tax, or $44, after-tax.

Quarterly Results For 2009 and

Quarterly Results For 2009 and 2008 (Unaudited)
	12 Months Ended Dec. 31, 2009 USD / shares
Quarterly Results For 2009 and 2008 (Unaudited) [Abstract]
Quarterly Results For 2009 and 2008 (Unaudited)	25. Quarterly Results For 2009 and 2008 (Unaudited) Three Months Ended March 31, June 30, September 30, December 31, 2009 2008 2009 2008 2009 2008 2009 2008 Revenues 1 $ 5,394 $ 1,544 $ 7,637 $ 7,503 $ 5,230 $ (393 ) $ 6,440 $ 565 Benefits, losses and expenses $ 7,411 $ 1,453 $ 7,619 $ 6,851 $ 5,687 $ 3,790 $ 5,712 $ 1,716 Net income (loss) 2 $ (1,209 ) $ 145 $ (15 ) $ 543 $ (220 ) $ (2,631 ) $ 557 $ (806 ) Less: Preferred stock dividends and accretion of discount 3 62 62 8 Net income (loss)available to common shareholders 2 $ (1,209 ) $ 145 $ (18 ) $ 543 $ (282 ) $ (2,631 ) $ 495 $ (814 ) Basic earnings (losses)per common share 3 $ (3.77 ) $ 0.46 $ (0.06 ) $ 1.74 $ (0.79 ) $ (8.74 ) $ 1.29 $ (2.71 ) Diluted earnings (losses)per common share 4 $ (3.77 ) $ 0.46 $ (0.06 ) $ 1.73 $ (0.79 ) $ (8.74 ) $ 1.19 $ (2.71 ) Weighted average common shares outstanding 320.8 313.8 325.4 311.7 356.1 301.1 382.7 300.2 Weighted average common shares outstanding and dilutive potential common shares 320.8 315.7 325.4 313.1 356.1 301.1 416.2 300.2 1 Included in the three months ended March31, 2008, September30, 2008 and December31, 2008 are net investment losses of $3.6billion, $3.4billion and $4.5billion, respectively, related to the mark-to-market effects of equity securities, trading, supporting the International variable annuity business and net realized capital losses of $1.4billion, $3.4 billion and $816, respectively. 2 Included in the three months ended March31, 2008 are net realized capital losses of $648, after-tax. Included in three months ended September30, 2008 are net realized capital losses of $2.2 billion, after-tax, and a DAC unlock charge of $932, after-tax. Included in the three months ended December31, 2008 is an after-tax charge of $597 related to goodwill testing and net realized capital losses of $610. Included in the three months end March31, 2009 is a DAC unlock charge of $1.5billion, after-tax. Included in the three months ended June30, 2009 are net realized capital losses of $649, after-tax, and a DAC unlock benefit of $360, after-tax. Included in the three months ended September30, 2009 are net realized capital losses of $885, after-tax. 3 Due to the net loss for the three months ended December31, 2008, no allocation of the net loss was made to the preferred shareholders under the two-class method in the calculation of basic earnings per share, as the preferred shareholders had no contractual obligation to fund the net losses of the Company. In the absence of the net loss, any such income would be allocated to the preferred shareholders based on the weighted averag

Summary of Investments - other

Summary of Investments - other than Investments in Affiliates
	12 Months Ended Dec. 31, 2009 USD / shares
Summary of Investments - other than Investments in Affiliates [Abstract]
SUMMARY OF INVESTMENTS - OTHER THAN INVESTMENTS IN AFFILIATES	Summary Of Investments Other Than Investments In Related Parties THE HARTFORD FINANCIAL SERVICES GROUP, INC. SCHEDULE I SUMMARY OF INVESTMENTS OTHER THAN INVESTMENTS IN AFFILIATES (In millions) As of December 31, 2009 Amount at which shown on Type of Investment Cost Fair Value Balance Sheet Fixed Maturities Bonds and notes U.S. government and government agencies and authorities (guaranteed and sponsored) $ 7,299 $ 7,172 $ 7,172 States, municipalities and political subdivisions 12,125 12,065 12,065 Foreign governments 1,376 1,408 1,408 Public utilities 5,755 5,900 5,900 All other corporate bonds 29,563 29,343 29,343 All other mortgage-backed and asset-backed securities 19,897 15,265 15,265 Total fixed maturities 76,015 71,153 71,153 Equity Securities Common stocks Industrial, miscellaneous and all other 248 293 293 Non-redeemable preferred stocks 1,085 928 928 Total equity securities, available-for-sale 1,333 1,221 1,221 Equity securities, trading 33,070 32,321 32,321 Total equity securities 34,403 33,542 33,542 Mortgage loans 5,938 5,091 5,938 Real estate 107 107 107 Policy loans 2,174 2,321 2,174 Investments in partnerships and trusts 1,790 1,790 1,790 Futures, options and miscellaneous 1,019 495 495 Short-term investments 10,357 10,357 10,357 Total investments $ 131,803 $ 124,856 $ 125,556

Condensed Financial Information

Condensed Financial Information of The Hartford Financial Services Group, Inc. (Registrant)
	12 Months Ended Dec. 31, 2009 USD / shares
Condensed Financial Information Of The Hartford Financial Services Group, Inc. (Registrant) [Abstract]
CONDENSED FINANCIAL INFORMATION OF THE HARTFORD FINANCIAL SERVICES GROUP, INC.	Summary Of Condensed Financial Statements THE HARTFORD FINANCIAL SERVICES GROUP, INC. SCHEDULE II CONDENSED FINANCIAL INFORMATION OF THE HARTFORD FINANCIAL SERVICES GROUP, INC. (Registrant) (In millions) As of December 31, Condensed Balance Sheets 2009 2008 Assets Fixed maturities, available-for-sale, at fair value $ 309 $ 149 Other investments 36 42 Short-term investments 1,936 1,484 Investment in affiliates 21,642 14,517 Deferred income taxes 755 583 Unamortized issue costs 51 55 Other assets 368 33 Total assets $ 25,097 $ 16,863 Liabilities and Stockholders Equity Net payable to affiliates $ 366 $ 779 Short-term debt (includes current maturities of long-term debt) 275 374 Long-term debt 5,250 5,514 Other liabilities 1,341 928 Total liabilities 7,232 7,595 Total stockholders equity 17,865 9,268 Total liabilities and stockholders equity $ 25,097 $ 16,863 For the years ended December 31, Condensed Statements of Operations 2009 2008 2007 Net investment income $ 8 $ 30 $ 24 Net realized capital gains (losses) (231 ) 103 (4 ) Total revenues (223 ) 133 20 Interest expense 457 323 241 Other expenses 8 (3 ) 18 Total expenses 465 320 259 Loss before income taxes and earnings of subsidiaries (688 ) (187 ) (239 ) Income tax benefit (157 ) (102 ) (83 ) Loss before earnings of subsidiaries (531 ) (85 ) (156 ) Earnings of subsidiaries (356 ) (2,664 ) 3,105 Net income (loss) $ (887 ) $ (2,749 ) $ 2,949 Certain reclassifications have been made to prior year financial information to conform to the current year presentation. The condensed financial statements should be read in conjunction with the consolidated financial statements and notes thereto. THE HARTFORD FINANCIAL SERVICES GROUP, INC. SCHEDULE II CONDENSED FINANCIAL INFORMATION OF THE HARTFORD FINANCIAL SERVICES GROUP, INC. (continued) (Registrant) For the years ended December 31, Condensed Statements of Cash Flows 2009 2008 2007 Operating Activities Net income (loss) $ (887 ) $ (2,749 ) $ 2,949 Undistributed earnings of subsidiaries 1,307 (4,766 ) (1,422 ) Change in operating assets and liabilities (590 ) 9,372 18 Cash provided by (used for) operating activities (170 ) 1,857 1,545 Investing Activities Net sales (purchases)of short-term investments (412 ) (892 ) (76 ) Purchase price of business acquired (10

Supplementary Insurance Informa

Supplementary Insurance Information
	12 Months Ended Dec. 31, 2009 USD / shares
Supplementary Insurance Information [Abstract]
SUPPLEMENTARY INSURANCE INFORMATION	Supplementary Insurance Information For Insurance Companies Disclosure THE HARTFORD FINANCIAL SERVICES GROUP, INC. SCHEDULE III SUPPLEMENTARY INSURANCE INFORMATION (In millions) Deferred Policy Acquisition Other Costs and Future Policy Benefits, Policyholder Present Value of Unpaid Losses and Loss Unearned Funds and Segment Future Profits Adjustment Expenses Premiums Benefits Payable As of December31, 2009 Life Retail $ 3,821 $ 1,749 $ 10 $ 17,950 Individual Life 2,623 842 1 6,330 Group Benefits 78 6,403 84 401 Retirement Plans 980 293 6,156 International 1,775 659 37,697 Institutional 146 7,984 72 9,302 Other 50 1 312 Total Life 9,423 17,980 168 78,148 Property Casualty Personal Lines 643 2,070 1,938 Small Commercial 277 3,603 1,306 Middle Market 215 4,442 1,034 Specialty Commercial 128 7,044 776 Total Ongoing Operations 1,263 17,159 5,054 Other Operations 4,492 1 Total Property Casualty 1,263 21,651 5,055 Corporate (2 ) Consolidated $ 10,686 $ 39,631 $ 5,221 $ 78,148 As of December 31, 2008 Life Retail $ 5,801 $ 1,353 $ 11 $ 22,164 Individual Life 3,027 781 1 6,010 Group Benefits 81 6,356 85 402 Retirement Plans 877 313 6,437 International 2,046 229 36,461 Institutional 156 7,667 40 11,255 Other 48 1 1,823 Total Life 11,988 16,747 138 84,552 Property Casualty Personal Lines 606 2,052 1,904 Small Commercial 282 3,572 1,318 Middle Market 232 4,745 1,128 Specialty Commercial 140 6,980 893 Total Ongoing Operations 1,260 17,349 5,243 Other Operations 4,584 1 Total Property Casualty 1,260 21,933 5,244 Corporate (3 ) Consolidated $ 13,248 $ 38,680 $ 5,379 $ 84,552 THE HARTFORD FINANCIAL SERVICES GROUP, INC. SCHEDULE III SUPPLEMENTARY INSURANCE INFORMATION (continued) Amortization of

Schedule of Reinsurance

Schedule of Reinsurance
	12 Months Ended Dec. 31, 2009 USD / shares
Schedule of Reinsurance [Abstract]
REINSURANCE	Supplemental Schedule Of Reinsurance Premiums For Insurance Companies THE HARTFORD FINANCIAL SERVICES GROUP, INC. SCHEDULE IV REINSURANCE (In millions) Percentage Assumed of Amount Gross Ceded to Other From Other Net Assumed Amount Companies Companies Amount to Net For the year ended December31, 2009 Life insurance in-force $ 970,455 $ 128,144 $ 49,273 $ 891,584 6 % Insurance revenues Property and casualty insurance $ 10,386 $ 778 $ 253 $ 9,861 3 % Life insurance and annuities 7,245 433 91 6,903 1 % Accident and health insurance 2,203 51 71 2,223 3 % Total insurance revenues $ 19,834 $ 1,262 $ 415 $ 18,987 2 % For the year ended December31, 2008 Life insurance in-force $ 924,987 $ 123,074 $ 43,736 $ 845,649 5 % Insurance revenues Property and casualty insurance $ 10,999 $ 877 $ 216 $ 10,338 2 % Life insurance and annuities 8,187 390 173 7,970 2 % Accident and health insurance 2,254 31 90 2,313 4 % Total insurance revenues $ 21,440 $ 1,298 $ 479 $ 20,621 2 % For the year ended December31, 2007 Life insurance in-force $ 824,608 $ 216,439 $ 82,282 $ 690,451 12 % Insurance revenues Property and casualty insurance $ 11,396 $ 1,104 $ 204 $ 10,496 2 % Life insurance and annuities 8,360 369 188 8,179 2 % Accident and health insurance 2,315 36 85 2,364 4 % Total insurance revenues $ 22,071 $ 1,509 $ 477 $ 21,039 2 %

Valuation and Qualifying Accoun

Valuation and Qualifying Accounts
	12 Months Ended Dec. 31, 2009 USD / shares
Valuation And Qualifying Accounts [Abstract]
VALUATION AND QUALIFYING ACCOUNTS	Schedule Of Valuation And Qualifying Accounts Disclosure THE HARTFORD FINANCIAL SERVICES GROUP, INC. SCHEDULE V VALUATION AND QUALIFYING ACCOUNTS (In millions) Charged to Write-offs/ Balance Costs and Translation Payments/ Balance January 1, Expenses Adjustment Other December 31, 2009 Allowance for doubtful accounts and other $ 125 $ 53 $ $ (57 ) $ 121 Allowance for uncollectible reinsurance 379 11 (55 ) 335 Accumulated depreciation of property and equipment 1,601 253 (110 ) 1,744 Valuation allowance on mortgage loans 26 408 (68 ) 366 Valuation allowance for deferred taxes 75 11 86 2008 Allowance for doubtful accounts and other $ 126 $ 53 $ $ (54 ) $ 125 Allowance for uncollectible reinsurance 404 12 (37 ) 379 Accumulated depreciation of property and equipment 1,395 228 (22 ) 1,601 Valuation allowance on mortgage loans 26 26 Valuation allowance for deferred taxes 43 32 75 2007 Allowance for doubtful accounts and other $ 114 $ 47 $ $ (35 ) $ 126 Allowance for uncollectible reinsurance 412 12 (20 ) 404 Accumulated depreciation of property and equipment 1,241 232 (78 ) 1,395 Valuation allowance for deferred taxes 60 (17 ) 43

Supplemental Information Concer

Supplemental Information Concerning Property and Casualty Insurance Operations
	12 Months Ended Dec. 31, 2009 USD / shares
Supplemental Information Concerning Property And Casualty Insurance Operations [Abstract]
SUPPLEMENTAL INFORMATION CONCERNING PROPERTY AND CASUALTY INSURANCE OPERATIONS	Schedule Of Supplemental Information For Property Casualty Insurance Underwriters THE HARTFORD FINANCIAL SERVICES GROUP, INC. SCHEDULE VI SUPPLEMENTAL INFORMATION CONCERNING PROPERTY AND CASUALTY INSURANCE OPERATIONS (In millions) Discount Losses and Loss Adjustment Paid Losses and Deducted From Expenses Incurred Related to: Loss Adjustment Liabilities 1 Current Year Prior Year Expenses Years ended December31, 2009 $ 511 $ 6,596 $ (186 ) $ 6,547 2008 $ 488 $ 6,933 $ (226 ) $ 6,591 2007 $ 568 $ 6,869 $ 48 $ 6,290 1 Reserves for permanently disabled claimants and certain structured settlement contracts that fund loss run-offs have been discounted using the weighted average interest rates of 5.0%, 5.4%, and 5.5% for 2009, 2008, and 2007, respectively.