Exhibit 99.3


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
           AS ENACTED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

         In connection with the Quarterly Report on Form 10-Q for the quarterly
         period ended June 30, 2002 of The Hartford Financial Services Group,
         Inc. (the "Company"), filed with the Securities and Exchange Commission
         on the date hereof ("the Report"), the undersigned hereby certifies,
         pursuant to 18 U.S.C. section 1350 as enacted by section 906 of the
         Sarbanes-Oxley Act of 2002, that:

             1)       The Report fully complies with the requirements of
                      section 13(a) or section 15(d) of the Securities
                      Exchange Act of 1934; and

             2)       The information contained in the Report fairly
                      presents, in all material respects, the financial
                      condition and results of operations of the Company.

                                      /s/ Ramani Ayer
                                      _____________________________

                                      Name:    Ramani Ayer
                                      Title:   Chairman, President, and
                                               Chief Executive Officer
                                      Date:    August 12, 2002