Exhibit 24.01



                                POWER OF ATTORNEY


         Each person whose signature appears below does hereby make, constitute
and appoint DAVID M. JOHNSON, NEAL S. WOLIN, KATHERINE VINES TRUMBULL, JOHN N.
GIAMALIS and BRIAN S. BECKER, and each of them, with full power to act as his or
her true and lawful attorneys-in-fact and agents, in his or her name, place and
stead to execute on his or her behalf, as an officer and/or director of The
Hartford Financial Services Group, Inc. (the "Company"), one or more
Registration Statements of the Company on Form S-3 (the "Registration
Statement"), and any and all amendments or supplements to the Registration
Statement (including any and all stickers and post-effective amendments), and
any and all additional registration statements relating to the same offering of
securities as those that are covered by the Registration Statement that are
filed pursuant to Rule 462(b), and to file the same with all exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission (the "SEC") pursuant to the Securities Act of 1933 (the "Act"), and
any applicable securities exchange or securities self-regulatory body, and any
and all other instruments which any of said attorneys-in-fact and agents deems
necessary or advisable to enable the Company to comply with the Act, the rules,
regulations and requirements of the SEC in respect thereof, and the securities
or Blue Sky laws of any State or other governmental subdivision, giving and
granting to each of said attorneys-in-fact and agents full power and authority
to do and perform each and every act and thing whatsoever necessary or
appropriate to be done in and about the premises as fully to all intents as he
or she might or could do in person, with full power of substitution and
resubstitution, hereby ratifying and confirming all that his or her said
attorneys-in-fact and agents or substitutes may or shall lawfully do or cause to
be done by virtue hereof.






         IN WITNESS WHEREOF, the undersigned has hereunto subscribed this power
of attorney this 21st day of May, 2002.


    /s/ Ramani Ayer                                  /s/ Donald R. Frahm
- -------------------------------------          ----------------------------
        Ramani Ayer                                      Donald R. Frahm

    /s/ Thomas A. Marra                              /s/ Edward J. Kelly
- -------------------------------------          ----------------------------
        Thomas A. Marra                                  Edward J. Kelly

    /s/ David K. Zwiener                             /s/ Paul G. Kirk, Jr.
- -------------------------------------          ----------------------------
        David K. Zwiener                                 Paul G. Kirk, Jr.

    /s/ David M. Johnson                             /s/ Robert W. Selander
- -------------------------------------          ----------------------------
        David M. Johnson                                 Robert W. Selander

    /s/ John N. Giamalis                             /s/ Charles B. Strauss
- -------------------------------------          ----------------------------
        John N. Giamalis                                 Charles B. Strauss

    /s/ Rand V. Araskog                              /s/ H. Patrick Swygert
- -------------------------------------          ----------------------------
        Rand V. Araskog                                  H. Patrick Swygert

    /s/ Dina Dublon                                  /s/ Gordon I. Ulmer
- -------------------------------------          -------------------------
        Dina Dublon                                      Gordon I. Ulmer