The Hartford Insurance Group, Inc. · NYSE:HIG

The Hartford Insurance — The Hartford Financial Services Group — Q2 2006 Earnings Presentation

11 slides from The Hartford Insurance's earnings presentation, Nov 9, 2006

  1. Slide 1: Investor Presentation 2nd Quarter 2006

    Investor Presentation 2nd Quarter 2006 TheFinancial The Hartford Hartford Financial Services Services Group,Inc. Group, Inc.

  2. Slide 2: Safe Harbor Statement

    Safe Harbor Statement Certain statements made in this presentation should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about The Hartford’s future results of operations. We caution investors that these forward-l

  3. Slide 3: Corporate Financial Highlights

    Corporate Financial Highlights ($ in millions; except per share amounts) Quarter Ended Jun-05 Jun-06 % Change Net income $ 602 $ 476 -21% Net income per diluted share 1.98 1.52 -23% Core earnings 606 573 -5% Core earnings per diluted share 1.99 1.83 -8% Book value per share* 47.44 53.62 13% Net inco

  4. Slide 4: Property and Casualty 2nd Quarter 2006

    Property and Casualty 2nd Quarter 2006 Written Premiums $2,722 $2,707 $1,276 $1,247 $975 $1,013 $500 $418 2Q05 2Q06 2Q05 2Q06 2Q05 2Q06 2Q05 2Q06 Ongoing Business Personal Specialty Operations Insurance Lines Commercial 2Q05 2Q06 2Q05 2Q06 2Q05 2Q06 2Q05 2Q06 Combined Ratio* 88.5 86.9 88.2 85.4 87.5

  5. Slide 5: National Catastrophe Program

    National Catastrophe Program Millions ƒ Strong history of $2,250 catastrophe management $2,000 $1,750 Reinsurance ƒ Adding additional $1,500 Reinsurance 45% of $400 26% of xs ≅ $1.3B $400 xs ≅ $1.3B coverages $1,250 Northeast Wind & Earthquake 90% of $300mm xs $1B – Risk-linked securities $1,000 Col

  6. Slide 6: Life Highlights 2nd Quarter 2006

    Life Highlights 2nd Quarter 2006 Net Income by Segment ƒ Core earnings of $386 million (Excluding Life Other) (Millions) ƒ Double digit net income growth in $400 each business segment International ƒ Total assets under management up 13% over 2Q05 to $291 billion $300 Group Benefits AUM Growth Indivi

  7. Slide 7: Asset Accumulation Sales and Flows

    Asset Accumulation Sales and Flows ƒ $10 billion in total sales and deposits Net Sales and Flows and $2.9 billion in net flows by Segment (Billions) Sales and Deposits $4 $3.1 $2.9 U.S. Variable Annuity $3.2 billion Retail Mutual Funds/Other $2.8 billion Institutional Solutions Japan Variable Annuit

  8. Slide 8: Property and Casualty Outlook

    Property and Casualty Outlook 2006 Written Premium Growth Compared to Full Year 2006 2005 Combined Ratio* Ongoing Operations Mid-single digit High 80s Business Insurance Mid-single digit High 80s Middle Market Flat Small Commercial High-single digit Personal Lines Mid-single digit High 80s Auto Mid-

  9. Slide 9: Life Operations Outlook

    Life Operations Outlook Asset Accumulation Businesses Sales Net Flows ROA U.S. Individual Variable Annuity Individual Annuity Full Year 2006 $11.5 - $12.5 Billion ($3.7) - ($2.7) Billion 53 - 55 bps 3Q06 $2.8 - $3.2 Billion ($1.1) - ($0.8) Billion Japan Variable Annuity Japan Operations Full Year 20

  10. Slide 10: Life Operations Outlook

    Life Operations Outlook Full Year 2006 Group Benefits Fully Insured Sales Growth 9% - 11% Fully Insured Premium Growth 8% - 10% Loss Ratio 72% - 74% Expense Ratio 27% - 29% Net Income Growth 6% - 8% Individual Life Sales Growth 11% - 13% Inforce Growth 8% - 10% Net Income Growth 9% - 10% Reflects re

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The Hartford Financial Services Group — Q2 2006 Earnings Presentation on 6ix