Exhibit 99.1

               STATEMENT UNDER OATH OF PRINCIPAL EXECUTIVE OFFICER
       REGARDING FACTS AND CIRCUMSTANCES RELATING TO EXCHANGE ACT FILINGS


I, Ramani Ayer, state and attest that:

         (1)      To the best of my knowledge, based upon a review of the
                  covered reports of The Hartford Financial Services Group,
                  Inc., and, except as corrected or supplemented in a subsequent
                  covered report:

                  -  no covered report contained an untrue statement of a
                     material fact as of the end of the period covered by
                     such report (or in the case of a report on Form 8-K
                     or definitive proxy materials, as of the date on
                     which it was filed); and

                  -  no covered report omitted to state a material fact
                     necessary to make the statements in the covered
                     report, in light of the circumstances under which
                     they were made, not misleading as of the end of the
                     period covered by such report (or in the case of a
                     report on Form 8-K or definitive proxy materials, as
                     of the date on which it was filed).

         (2)      I have reviewed the contents of this statement with the
                  Company's audit committee.

         (3)      In this statement under oath, each of the following, if filed
                  on or before the date of this statement, is a "covered
                  report":

                  -  Annual Report on Form 10-K filed with Commission, for
                     the fiscal year ended December 31, 2001, of The
                     Hartford Financial Services Group, Inc.

                  -  all reports on Form 10-Q, all reports on Form 8-K and
                     all definitive proxy materials of The Hartford
                     Financial Services Group, Inc. filed with the
                     Commission subsequent to the filing of the Form 10-K
                     identified above; and

                  -  any amendments to any of the foregoing.

/s/ Ramani Ayer
___________________________________
Ramani Ayer
Chairman, President and
     Chief Executive Officer
The Hartford Financial Services Group, Inc.

Subscribed and sworn to before me
this 9th day of August, 2002.

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Notary Public
My Commission Expires: