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The Hartford Financial Services Group, Inc.
Jonathan Bennett
EVP, Personal and Small Business InsuranceMarch 3, 2009
The HartfordFinancial Services Group
AIFA 2009 Annual Conference
The Hartford Financial Services Group, Inc.
Certain statements made in this presentation should be considered forward-looking statements asdefined in the Private Securities Litigation Reform Act of 1995.These include statements about TheHartford’s future results of operations. We caution investors that theseforward-looking statementsare not guarantees of future performance, and actual results maydiffer materially. Investors shouldconsider the important risks and uncertainties that may cause actual results to differ, including thosediscussed in The Hartford’s Annual Report on Form 10-K for the year ended December 31, 2008and other filings we make with the Securities and Exchange Commission. We assume no obligationto update this presentation, which speaks as of today’s date.The discussion in this presentation of The Hartford’s financial performance includes financialmeasures that are not derived from generally accepted accountingprinciples, or GAAP. Informationregarding these non-GAAP and other financial measures, including reconciliations to the mostdirectly comparable GAAP financial measures, is provided in the Investor Financial Supplement for the fourth quarter of 2008, in The Hartford’s press release issued on February 5, 2009, and in theInvestor Relations section of The Hartford’s website at www.thehartford.com.
Safe Harbor Statement
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The Hartford Financial Services Group, Inc.
$1,475$1,629$1,31716.2%21.4%19.2%
04008001,2001,6002,0002006 2007 20080%5%10%15%20%25%30%Core Earnings ROE
The Hartford’s Property and Casualty operationsdelivered very strong results
$10,658$10,435$10,22488.9%90.5%88.0%
02,0004,0006,0008,00010,00012,0002006 2007 200880%85%90%95%100%Written Premium Combined Ratio *
P&C Ongoing Operations’combined ratio*below 93% every year since 2003
Core earnings ROE** above the company’stargeted 13%-15% since 2005
Our 2009 guidance reflects a commitmentto disciplined growth and solid underwritingperformance in a competitive environment
Ongoing P&C Operations 2009 guidance
Written Premium Growth: (2%) to 1%
Combined Ratio*: 90.0% to 93.0%
Ongoing OperationsWritten Premium** and Combined Ratio *
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Written Premium($ in millions)CombinedRatio *
* Excludes catastrophes and prior year development ** Denotes financial measure not calculated based on Generally Accepted Accounting Principles
Property & Casualty OperationsCore Earnings** and ROE
Core Earnings($ in millions)ROE (%)
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The Hartford AIFA Final Version
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| Upload Date: | 11/27/2009 |
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