The Hartford Insurance Group, Inc. · NYSE:HIG

The Hartford Insurance — The Hartford Financial Services Group — Q3 2006 Earnings Presentation

10 slides from The Hartford Insurance's earnings presentation, November 2006

  1. Slide 1: Investor Presentation 3rd Quarter 2006

    Investor Presentation 3rd 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 Sep-05 Sep-06 % Change Net income $ 539 $ 758 41% Net income per diluted share 1.76 2.39 36% Core earnings 556 727 31% Core earnings per diluted share 1.81 2.30 27% Book value per share* 49.04 55.81 14% Net income

  4. Slide 4: Property and casualty reports core earnings of $371 million, up 60%

    Property and casualty reports core earnings of $371 million, up 60% over 3Q 2005 Written Premiums and Accident Year Combined Ratio (excluding CATs) Written Premiums AY Combined Ratio (x-CAT) $3,500 98.2 100.0 90.5 89.8 89.6 90.7 90.0 89.4 91.9 89.2 89.0 86.7 89.0 $3,000 $2,699 $2,601 $2,616 75.0 $2,

  5. Slide 5: Property and Casualty Outlook for 2006

    Property and Casualty Outlook for 2006 2006 Written Premium Growth Compared to Full Year 2006 2005 Combined Ratio* Ongoing Operations Low-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

  6. Slide 6: Life operations reports 12% increase in core earnings to $407 million

    Life operations reports 12% increase in core earnings to $407 million Net Income by Segment (Excluding Life Other) (Millions) ƒ Total assets under management $400 reach a record $300 billion International ƒ Over $2.2 billion in total net flows Group Benefits $300 from asset accumulation businesses I

  7. Slide 7: Life Operations 2006 Outlook

    Life Operations 2006 Outlook Sales & Deposits Net Flows ROA U.S. Individual Variable Annuity Individual Annuity Full Year 2006 $11.7 - $12.0 Billion ($3.6) - ($3.3) Billion 54 - 55 bps 4Q06 $2.7 - $3.0 Billion ($1.1) - ($0.8) Billion Japan Variable Annuity Japan Operations Full Year 2006 $5.6 - $6.0

  8. Slide 8: Property and casualty accident year underwriting profits are at their peak

    Property and casualty accident year underwriting profits are at their peak ƒ Strong profitability for the industry is breeding increased competition ƒ Pricing will continue to soften but not fall dramatically ƒ Loss costs will likely rise driven by severity and less favorable frequency trends ƒ The

  9. Slide 9: Life industry growth will center on retirement savings and protection

    Life industry growth will center on retirement savings and protection ƒ U.S. variable annuity industry will likely see moderate growth – The pace of product introductions may slow from 2006 levels – Financial advisors are focusing more on retirement and longevity planning ƒ New products and distribu

  10. Slide 10: Slide 10

The Hartford Financial Services Group — Q3 2006 Earnings Presentation on 6ix