Exhibit 15.01


August 14, 2003

To the Board of Directors and Stockholders of
The Hartford Financial Services Group, Inc.
Hartford, Connecticut

We have made a review, in accordance with standards established by the American
Institute of Certified Public Accountants, of the unaudited interim financial
information of The Hartford Financial Services Group, Inc. and subsidiaries (the
"Company") for the periods ended March 31, 2003 and 2002, and June 30, 2003 and
2002, as indicated in our reports dated May 12, 2003, and August 1, 2003,
respectively; because we did not perform an audit, we expressed no opinion on
that information.

We are aware that our reports referred to above, which were included in the
Company's Quarterly Reports on Form 10-Q for the quarters ended March 31, 2003,
and June 30, 2003, are being used in this Registration Statement.

We also are aware that the aforementioned reports, pursuant to Rule 436(c) under
the Securities Act of 1933, are not considered a part of the Registration
Statement prepared or certified by an accountant or a report prepared or
certified by an accountant within the meaning of Sections 7 and 11 of that Act.



DELOITTE & TOUCHE LLP
Hartford, Connecticut