EXHIBIT 23.01

                         INDEPENDENT AUDITORS' CONSENT

     We consent to the incorporation by reference in this Registration Statement
of The Hartford Financial Services Group, Inc. (the "Company") on Form S-3 of
our report dated February 19, 2003 (which report expresses an unqualified
opinion and includes an explanatory paragraph relating to the Company's changes
in its method of accounting for [a] goodwill and indefinite-lived intangible
assets in 2002 [b] accounting for derivative instruments and hedging activities
in 2001 and [c] the recognition of interest income and impairment on purchased
retained beneficial interests in securitized financial assets in 2001) appearing
in the Annual Report on Form 10-K of the Company for the year ended December 31,
2002 and to the reference to us under the heading "Experts" in the Prospectus,
which is part of this Registration Statement.

                                          DELOITTE & TOUCHE LLP

                                          /s/ Deloitte & Touche LLP
                                          --------------------------------------

Hartford, Connecticut
March 17, 2003