The Hartford Insurance Group, Inc. · NYSE:HIG

The Hartford Insurance — The Hartford Financial Services Group — Q1 2005 Earnings Presentation

8 slides from The Hartford Insurance's earnings presentation, April 2005

  1. Slide 1: Investor Presentation 1st Quarter 2005

    Investor Presentation 1st Quarter 2005 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 Quarter Ended Mar-04 Mar-05 % Change Net income (millions) $ 568 $ 666 17% Earnings per diluted share 1.93 2.21 15% Operating income (millions) 501 583 16% Operating income per diluted share 1.70 1.93 14% Assets under management (billions) 264 293 11% Book value per sh

  4. Slide 4: Property and Casualty 1Q Highlights

    Property and Casualty 1Q Highlights ƒ Record operating income of $386 million, up 30% ƒ Total written premium grew 8% Operating Income ƒ Ongoing operations combined ratio In millions $386 of 88.6 $400 $331 $297 ƒ Business insurance produced a $300 strong combined ratio of 89.8 $188 ƒ BI written prem

  5. Slide 5: Life 1st Quarter Highlights

    Life 1st Quarter Highlights ƒ Operating income of $238 million Global Retail Sales ƒ Record assets under management and Deposits of $250 billion In billions $9.6 $10 $9.0 ƒ Global retail sales and deposits $7.9 $7.9 $7.8 $8 reached $9.6 billion $6 ƒ Japan’s sales were $3.8 billion $4 ƒ U.S. annuity

  6. Slide 6: Projected 2005 Operating Income EPS

    Projected 2005 Operating Income EPS EPS Range Low High Operating Income per diluted share $7.40 $7.70 Estimated diluted weighted average shares outstanding (in millions) 302 6

  7. Slide 7: Property and Casualty Outlook for 2005

    Property and Casualty Outlook for 2005 Full Year Net Written Premium Combined Ratio* Growth Over 2004 Business insurance Flat compared to 2004 Low double digit Personal lines Flat compared to 2004 Mid-single digit Specialty commercial Slightly worse than 2004 Low to mid-single digit * Excludes cats

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The Hartford Financial Services Group — Q1 2005 Earnings Presentation on 6ix