Obbligazione Hartford Financial Group 6% ( US416515AV66 ) in USD

Emittente Hartford Financial Group
Prezzo di mercato 100 USD  ⇌ 
Paese  Stati Uniti
Codice isin  US416515AV66 ( in USD )
Tasso d'interesse 6% per anno ( pagato 2 volte l'anno)
Scadenza 15/01/2019 - Obbligazione è scaduto



Prospetto opuscolo dell'obbligazione Hartford Financial Services US416515AV66 in USD 6%, scaduta


Importo minimo 2 000 USD
Importo totale 500 000 000 USD
Cusip 416515AV6
Standard & Poor's ( S&P ) rating N/A
Moody's rating N/A
Descrizione dettagliata Hartford Financial Services Group, Inc. è una società di servizi finanziari statunitense che offre una vasta gamma di prodotti assicurativi e servizi di gestione del rischio per individui e aziende.

The Obbligazione issued by Hartford Financial Group ( United States ) , in USD, with the ISIN code US416515AV66, pays a coupon of 6% per year.
The coupons are paid 2 times per year and the Obbligazione maturity is 15/01/2019







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424B5 1 y57347b5e424b5.htm PROSPECTUS SUPPLEMENT
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Table of Contents

Filed pursuant to Rule 424(b)(5)
Registration No. 333-142044
Prospectus Supplement
(To Prospectus dated April 11, 2007)

$500,000,000


The Hartford Financial Services Group, Inc.
6.000% Senior Notes due January 15, 2019

We are offering $500,000,000 aggregate principal amount of our 6.000% senior notes due
January 15, 2019. We will pay interest on these notes semi-annually in arrears on January 15 and
July 15 of each year, beginning on January 15, 2009.
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)
99.878% $ 499,390,000
Underwriting discounts
0.650% $ 3,250,000
Proceeds, before expenses, to The Hartford(1)
99.228% $ 496,140,000

(1) Plus accrued interest, if any, from May 12, 2008, if settlement occurs after that date.
To read about certain factors you should consider before investing in the notes, see
"Forward-Looking Statements and Certain Risk Factors" on page S-2 of this prospectus
supplement, and the risk factors set forth in Part I, Item 1A of our Annual Report on Form 10-
K for the year ended December 31, 2007 and in Part II, Item 1A of our Quarterly Report on
Form 10-Q for the quarter ended March 31, 2008, which are incorporated by reference in this
prospectus supplement.
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
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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
May 12, 2008.


Joint Book-Running Managers
Deutsche Bank SecuritiesGoldman, Sachs & Co.
Merrill Lynch & Co.


Co-Managers
BB&T Capital Markets
Mitsubishi UFJ Securities
RBS Greenwich Capital

May 7, 2008
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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-3
Use of Proceeds
S-4
Capitalization
S-5
Ratio of Earnings to Total Fixed Charges
S-6
Selected Financial Information
S-7
Description of the Notes
S-9
S-
Certain United States Federal Income Tax Considerations
14
S-
Underwriting
16
S-
Benefit Plan Investor Considerations
19
S-
Validity of the Notes
20
S-
Experts
20
S-
Where You Can Find More Information
20
S-
Incorporation by Reference
20
Prospectus


About this Prospectus

1
Forward-Looking Statements and Certain Risk Factors

1
The Hartford Financial Services Group, Inc.

2
The Hartford Capital Trusts

3
Use of Proceeds

5
Description of the Debt Securities

5
Description of Junior Subordinated Debentures
18
Description of Capital Stock of The Hartford Financial Services Group, Inc.
30
Description of Depositary Shares
34
Description of Warrants
36
Description of Stock Purchase Contracts and Stock Purchase Units
38
Description of Trust Preferred Securities
38
Description of Guarantee
50
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Description of Corresponding Junior Subordinated Debentures
53
Relationship Among the Preferred Securities, the Corresponding Junior Subordinated
Debentures and the Guarantees
55
Plan of Distribution
57
Legal Opinions
59
Experts
59
Where You Can Find More Information
59
Incorporation by Reference
60
i
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Table of Contents
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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Table of Contents

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, 2007 and in Part II, Item 1A of our
Quarterly Report on Form 10-Q for the quarter ended March 31, 2008 (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 financial and capital markets, including changes in interest rates, credit
spreads, equity prices and foreign exchange rates;

· 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;

· the possibility of 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;

· 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;

· 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;

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· potential changes in federal or state tax laws, including changes impacting the availability of
the separate account dividend received deduction;

· losses due to defaults by others;

· our ability to protect our intellectual property and defend against claims of infringement; 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-2
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Table of Contents

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 in the United States and internationally. At March 31, 2008, our total assets were
$344.2 billion and our total stockholders' equity was $17.8 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 $1.6 billion in dividends to The
Hartford in 2008 without prior approval from the applicable insurance commissioner. Our life
insurance subsidiaries are permitted to pay up to a maximum of approximately $784 million in
dividends to our subsidiary, Hartford Life, Inc. ("HLI"), in 2008 without prior approval from the
applicable insurance commissioner. In 2007, The Hartford and HLI received a combined total of
$2.0 billion in dividends from their insurance subsidiaries. From January 1, 2008 through May 5,
2008, The Hartford and HLI received a combined total of $781 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 March 31, 2008, claims by policyholders for benefits payable
amounting to $121.5 billion, claims by separate account holders of $181.3 billion, and other
liabilities including claims of trade creditors, claims from guaranty associations and claims from
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