Bond Hartford Financial Group 5.375% ( US416515AT11 ) in USD

Issuer Hartford Financial Group
Market price 100 %  ⇌ 
Country  United States
ISIN code  US416515AT11 ( in USD )
Interest rate 5.375% per year ( payment 2 times a year)
Maturity 15/03/2017 - Bond has expired



Prospectus brochure of the bond Hartford Financial Services US416515AT11 in USD 5.375%, expired


Minimal amount 2 000 USD
Total amount 500 000 000 USD
Cusip 416515AT1
Standard & Poor's ( S&P ) rating BBB+ ( Lower medium grade - Investment-grade )
Moody's rating Baa2 ( Lower medium grade - Investment-grade )
Detailed description Hartford Financial Services Group, Inc. is a multinational insurance and investment management company offering a range of property and casualty, group benefits, and mutual funds.

The Bond issued by Hartford Financial Group ( United States ) , in USD, with the ISIN code US416515AT11, pays a coupon of 5.375% per year.
The coupons are paid 2 times per year and the Bond maturity is 15/03/2017

The Bond issued by Hartford Financial Group ( United States ) , in USD, with the ISIN code US416515AT11, was rated Baa2 ( Lower medium grade - Investment-grade ) by Moody's credit rating agency.

The Bond issued by Hartford Financial Group ( United States ) , in USD, with the ISIN code US416515AT11, was rated BBB+ ( Lower medium grade - Investment-grade ) by Standard & Poor's ( S&P ) credit rating agency.







PROSPECTUS SUPPLEMENT
424B5 1 y31019b5e424b5.htm PROSPECTUS SUPPLEMENT
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Table of Contents
Filed Pursuant to Rule 424(b)(5)
Registration No. 333-108067
Prospectus Supplement
(To Prospectus dated December 3, 2003)
$500,000,000

The Hartford Financial Services Group, Inc.
5.375% Senior Notes due 2017
We are offering $500,000,000 aggregate principal amount of our 5.375% senior notes due March 15, 2017. We
will pay interest on these notes semi-annually in arrears on March 15 and September 15 of each year, beginning on
September 15, 2007.
The senior notes may be redeemed at our option, at any time in whole or from time to time in part, as described
in this prospectus supplement under the caption "Description of the Notes -- Optional Redemption."
The senior notes will be our unsecured senior obligations and will rank equally with all of our other unsecured
and unsubordinated indebtedness from time to time outstanding.











Per




Note

Total





Public offering price(1)

99.731%
$ 498,655,000
Underwriting discounts

0.650%
$
3,250,000
Proceeds, before expenses, to



The Hartford(1)
99.081%
$ 495,405,000
(1) Plus accrued interest, if any, from March 9, 2007, if settlement occurs after that date.
Neither the Securities and Exchange Commission nor any other securities commission or other regulatory
body has approved or disapproved of these securities or passed upon the accuracy or adequacy of this
prospectus supplement or the accompanying prospectus. Any representation to the contrary is a criminal
offense.
The underwriters expect to deliver the senior notes only in book-entry form through the facilities of The
Depository Trust Company for the accounts of its participants, including Euroclear Bank S.A./ N.V., as operator of
the Euroclear System, and Clearstream Banking, société anonyme, on or about March 9, 2007.
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Joint Book-Running Managers
Citigroup
JPMorgan
Co-Managers
ABN AMRO Incorporated
Piper Jaffray
March 6, 2007
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TABLE OF CONTENTS
Prospectus Supplement







Page



About This Prospectus Supplement


S-1
Forward-Looking Statements and Certain Risk Factors


S-2
The Hartford Financial Services Group, Inc.


S-4
Use of Proceeds


S-5
Capitalization


S-6
Ratio of Earnings to Total Fixed Charges


S-7
Selected Financial Information


S-8
Description of the Notes


S-9
Certain United States Federal Income Tax Considerations

S-14
Underwriting

S-16
ERISA Considerations

S-18
Validity of the Notes

S-19
Experts

S-19
Where You Can Find More Information

S-19
Incorporation by Reference

S-19
Prospectus
About this Prospectus


i
Forward-Looking Statements


ii
The Hartford Financial Services Group, Inc.


1
The Hartford Capital Trusts


1
Use of Proceeds


3
Ratios of Consolidated Earnings to Total Fixed Charges and Consolidated Earnings to Total Fixed


Charges and Preference Dividends

3
Description of the Debt Securities


3
Description of Junior Subordinated Debentures


15
Description of Capital Stock of The Hartford Financial Services Group, Inc.


26
Description of Depositary Shares


33
Description of Warrants


35
Description of Stock Purchase Contracts and Stock Purchase Units


37
Description of Preferred Securities


38
Description of Guarantee


49
Description of Corresponding Junior Subordinated Debentures


51
Relationship Among the Preferred Securities, the Corresponding Junior Subordinated Debentures and

the Guarantees

53
Plan of Distribution


54
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Legal Opinions


56
Experts


56
Where You Can Find More Information


56
Incorporation by Reference


56
i
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You should rely only on information contained in this prospectus supplement, the accompanying
prospectus, any free writing prospectus with respect to the offerings filed by us with the Securities and
Exchange Commission or information to which we have referred you. We have not, and the underwriters have
not, authorized anyone to provide you with information that is different. If anyone provides you with different
or inconsistent information, you should not rely on it. You should assume that the information in this
prospectus supplement, the accompanying prospectus and any free writing prospectus with respect to the
offerings filed by us with the Securities and Exchange Commission and the documents incorporated by
reference herein and therein is only accurate as of the respective dates of such documents. Our business,
financial condition, results of operations and prospects may have changed since those dates.
We are offering to sell, and are seeking offers to buy, the senior notes (the "senior notes" or the "notes")
only in jurisdictions where offers and sales are permitted. The distribution of this prospectus supplement and
the accompanying prospectus and the offering of the senior notes in certain jurisdictions may be restricted by
law. Persons outside the United States who come into possession of this prospectus supplement and the
accompanying prospectus must inform themselves about and observe any restrictions relating to the offering
of the senior notes and the distribution of this prospectus supplement and the accompanying prospectus
outside the United States. This prospectus supplement and the accompanying prospectus do not constitute,
and may not be used in connection with, an offer to sell, or a solicitation of an offer to buy, any senior notes
offered by this prospectus supplement and the accompanying prospectus by any person in any jurisdiction in
which it is unlawful for such person to make such an offer or solicitation.
ABOUT THIS PROSPECTUS SUPPLEMENT
This document is in two parts. The first part is this prospectus supplement, which describes the specific terms of
this notes offering and also adds to and updates information contained in the accompanying prospectus and the
documents incorporated by reference into this prospectus supplement and the accompanying prospectus. The second
part, the accompanying prospectus, gives more general information, some of which may not apply to this offering.
If the description of this notes offering varies between this prospectus supplement and the accompanying
prospectus, you should rely on the information contained in this prospectus supplement.
Unless we have indicated otherwise, or the context otherwise requires, references in this prospectus supplement
and the accompanying prospectus to "The Hartford," "we," "us" and "our" or similar terms are to The Hartford
Financial Services Group, Inc. and its subsidiaries.
S-1
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FORWARD-LOOKING STATEMENTS AND CERTAIN RISK FACTORS
Some of the statements contained or incorporated by reference in this prospectus supplement and the
accompanying prospectus are forward-looking statements. These forward-looking statements are made pursuant to
the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and include estimates and
assumptions related to economic, competitive and legislative developments. These forward-looking statements are
subject to change and uncertainty which are, in many instances, beyond our control and have been made based upon
management's expectations and beliefs concerning future developments and their potential effect upon us. There can
be no assurance that future developments will be in accordance with management's expectations or that the effect of
future developments on us will be those anticipated by management. Actual results could differ materially from those
we expect, depending on the outcome of various factors, including, but not limited to, those set forth in Part I,
Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2006 (as updated from time to time).
These factors include:

· the difficulty in predicting our potential exposure for asbestos and environmental claims;


· the possible occurrence of terrorist attacks;


· the response of reinsurance companies under reinsurance contracts and the availability, pricing and adequacy
of reinsurance to protect us against losses;


· changes in the stock markets, interest rates or other financial markets, including the potential effect on our
statutory capital levels;


· the inability to effectively mitigate the impact of equity market volatility on our financial position and results
of operations arising from obligations under annuity product guarantees;


· our potential exposure arising out of regulatory proceedings or private claims relating to incentive
compensation or payments made to brokers or other producers and alleged anti-competitive conduct;


· the uncertain effect on us of regulatory and market-driven changes in practices relating to the payment of
incentive compensation to brokers and other producers, including changes that have been announced and those
which may occur in the future;


· the possibility of more unfavorable loss development;


· the incidence and severity of catastrophes, both natural and man-made;


· stronger than anticipated competitive activity;


· unfavorable judicial or legislative developments;


· the potential effect of domestic and foreign regulatory developments, including those which could increase our
business costs and required capital levels;


· the possibility of general economic and business conditions that are less favorable than anticipated;


· our ability to distribute products through distribution channels, both current and future;


· the uncertain effects of emerging claim and coverage issues;

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· a downgrade in our financial strength or credit ratings;


· the ability of our subsidiaries to pay dividends to us;


· our ability to adequately price our property and casualty policies;
S-2
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· our ability to recover our systems and information in the event of a disaster or other unanticipated event;


· the possibility of difficulties arising from outsourcing relationships;


· potential changes in federal or state tax laws; and


· other factors described in such forward-looking statements.
All forward-looking statements speak only as of the date made, and we undertake no obligation to update our
forward-looking statements for any reason, whether as a result of new information, future events or otherwise.
S-3
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THE HARTFORD FINANCIAL SERVICES GROUP, INC.
The Hartford is a diversified insurance and financial services holding company. We are among the largest
providers of investment products, individual life, group life and disability insurance products, and property and
casualty insurance products in the United States. Hartford Fire Insurance Company, or Hartford Fire, founded in
1810, is the oldest of our subsidiaries. Our companies write insurance and reinsurance in the United States and
internationally. At December 31, 2006, our total assets were $326.7 billion and our total stockholders' equity was
$18.9 billion.
As a holding company that is separate and distinct from our insurance subsidiaries, we have no significant
business operations of our own. Therefore, we rely on dividends from our insurance company subsidiaries and other
subsidiaries as the principal source of cash flow to meet our obligations. These obligations include payments on our
debt securities and the payment of dividends on our capital stock. The Connecticut insurance holding company laws
limit the payment of dividends by Connecticut-domiciled insurers. In addition, these laws require notice to and
approval by the state insurance commissioner for the declaration or payment by those subsidiaries of any dividend if
the dividend and other dividends or distributions made within the preceding twelve months exceeds the greater of:

· 10% of the insurer's policyholder surplus as of December 31 of the preceding year, and


· net income, or net gain from operations if the subsidiary is a life insurance company, for the previous calendar
year, in each case determined under statutory insurance accounting principles.
In addition, if any dividend of a Connecticut-domiciled insurer exceeds the insurer's earned surplus, it requires the
prior approval of the Connecticut Insurance Commissioner.
The insurance holding company laws of the other jurisdictions in which our insurance subsidiaries are
incorporated, or deemed commercially domiciled, generally contain similar, and in some instances more restrictive,
limitations on the payment of dividends. Our property-casualty insurance subsidiaries are permitted to pay up to a
maximum of approximately $1.5 billion in dividends to The Hartford in 2007 without prior approval from the
applicable insurance commissioner. Our life insurance subsidiaries are permitted to pay up to a maximum of
approximately $620 million in dividends to our subsidiary, Hartford Life, Inc. ("HLI"), in 2007 without prior
approval from the applicable insurance commissioner. In 2006, The Hartford and HLI received a combined total of
$609 million in dividends from their insurance subsidiaries. From January 1, 2007 through March 5, 2007, The
Hartford and HLI received a combined total of $764 million in dividends from their insurance subsidiaries.
Our rights to participate in any distribution of the assets of any of our subsidiaries, for example, upon their
liquidation or reorganization, and the ability of holders of the senior notes to benefit indirectly from a distribution,
are subject to the prior claims of creditors of the applicable subsidiary, except to the extent that we may be a creditor
of that subsidiary. Claims on these subsidiaries by persons other than us include, as of December 31, 2006, claims by
policyholders for benefits payable amounting to $107.3 billion, claims by separate account holders of $180.5 billion,
and other liabilities including claims of trade creditors, claims from guaranty associations and claims from holders of
debt obligations amounting to $15.7 billion.
Our principal executive offices are located at One Hartford Plaza, Hartford, Connecticut 06155, and our
telephone number is (860) 547-5000.
S-4
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