The Hartford Insurance Group, Inc. · NYSE:HIG

The Hartford Insurance — The Hartford Financial Services Group — Q1 2006 Earnings Presentation

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

  1. Slide 1: Investor Presentation 1st Quarter 2006

    Investor Presentation 1st 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 Mar-05 Mar-06 Change Net income $ 666 $ 728 9% Net income per diluted share 2.21 2.34 6% Core earnings 582 797 37% Core earnings per diluted share 1.93 2.56 33% Book value per share (excluding AOCI) 45.60 52.37 15

  4. Slide 4: Property and Casualty 1st Quarter 2006

    Property and Casualty 1st Quarter 2006 Net Written Premiums $2,579 $2,629 $1,302 $1,238 $864 $901 $477 $426 1Q05 1Q06 1Q05 1Q06 1Q05 1Q06 1Q05 1Q06 Ongoing Business Personal Specialty Operations Insurance Lines Commercial 1Q05 1Q06 1Q05 1Q06 1Q05 1Q06 1Q05 1Q06 Combined Ratio* 87.1 87.4 88.3 87.4 85

  5. Slide 5: The Hartford's Written Pricing Trends

    The Hartford’s Written Pricing Trends Business Insurance Personal Lines Written Pricing Written Pricing 20% 20% 15% 15% 10% 10% 5% 5% 0% 0% -5% -5% -10% -10% 03 03 03 03 04 04 04 04 05 05 05 05 06 03 03 03 03 04 04 04 04 05 05 05 05 06 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1

  6. Slide 6: Life Highlights 1st Quarter 2006

    Life Highlights 1st Quarter 2006 Core Earnings by Segment (Excluding Life Other) ƒ Record core earnings of $418 million (Millions) $400 $378 ƒ Total assets under management rose 16% over the 1st quarter 2005 to $290 billion International ƒ $3.6 billion of net flows into U.S. and $298 $300 Group Bene

  7. Slide 7: Japan Update 1st Quarter 2006

    Japan Update 1st Quarter 2006 Japan Variable Annuity Assets Under Management & Sales (Billions) ƒ Core earnings of $48 million, $30 up from $17 million in 1Q05 % $26.7 + 62 $24.6 $21.9 ƒ VA sales of $2.3 billion and net $20 $18.4 flows of $1.8 billion $16.5 ƒ Competition for shelf space heating up $

  8. Slide 8: Property and Casualty Outlook

    Property and Casualty Outlook Net Written Premium Growth Compared to Full Year 2005 Combined Ratio* Ongoing Operations Mid-single digit Low 90s Business Insurance Mid-single digit High 80s Middle Market Low-single digit Small Commercial Low-double digit Personal Lines Mid-single digit High 80s Auto

  9. Slide 9: Life Operations Outlook

    Life Operations Outlook Asset Accumulation Businesses Sales Net Flows ROA U.S. Variable Annuity Individual Annuity Full Year 2006 $11.5 - $12.5 Billion ($3.7) - ($2.7) Billion 53 - 55 bps 2Q06 $3.0 - $3.3 Billion ($900) - ($600) Million Japan Variable Annuity Japan Operations Full Year 2006 $7.0 - $

  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% - 75% Expense Ratio 27% - 29% Core Earnings Growth* 6 - 8% Individual Life Sales Growth 9% - 11% Account Value Growth 9% - 10% Inforce Growth 8% - 10% Core E

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