Exhibit 23.01


                          INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this Amendment No. 1 to
Registration Statement No. 333-108067 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] 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 such Registration Statement.





DELOITTE & TOUCHE LLP

Hartford, Connecticut
November 19, 2003