Entry into a Material Definitive Agreement

Exhibit 1.5

ANNEX I

Pricing Agreement

To the Underwriters named
in Schedule I hereto

March 17, 2010

Ladies and Gentlemen:

     The Hartford Financial Services Group, Inc., a Delaware corporation (the “Company”) proposes, subject to the terms and conditions stated herein and in the Underwriting Agreement General Terms and Conditions, dated March 17, 2010, attached hereto, to issue and sell to the Underwriters named in Schedule I hereto (the “Underwriters”) the Designated Securities specified in Schedule II hereto (consisting of Firm Depositary Shares and any Optional Depositary Shares the Underwriters may elect to purchase). Each of the provisions of the Underwriting Agreement General Terms and Conditions is incorporated herein by reference in its entirety, and shall be deemed to be a part of this Agreement to the same extent as if such provisions had been set forth in full herein; and each of the representations and warranties set forth therein shall be deemed to have been made at and as of the date of this Pricing Agreement. Unless otherwise defined herein, terms defined in the Underwriting Agreement General Terms and Conditions are used herein as therein defined. The Representatives designated to act on behalf of the Representatives and on behalf of each of the Underwriters of the Designated Securities pursuant to Section 13 of the Underwriting Agreement General Terms and Conditions and the addresses of the Representatives referred to in such Section 13 are set forth at the end of Schedule II hereto.

     An amendment to the Registration Statement, or a supplement to the Prospectus, as the case may be, relating to the Designated Securities, in the form heretofore delivered to you is now proposed to be filed with the Commission.

     Subject to the terms and conditions set forth herein and in the Underwriting Agreement General Terms and Conditions incorporated herein by reference, the Company agrees to issue and sell to each of the Underwriters, and each of the Underwriters agrees, severally and not jointly, to purchase from the Company, at the time and place and at the purchase price to such Underwriter set forth in Schedule II hereto, the number of Firm Depositary Shares set forth opposite the name of such Underwriter in Schedule I hereto and, in the event and to the extent that the Underwriters shall exercise the election to purchase Optional Depositary Shares, as provided below, the Company agrees to issue and sell to each of the Underwriters, and each of the Underwriters agrees, severally and not jointly, to purchase from the Company at the purchase price to the Underwriters

set forth in Schedule II hereto such number of Optional Depositary Shares (as to which such election shall have been exercised) as determined pursuant to Section 3 of the Underwriting Agreement General Terms and Conditions, attached hereto.

     The Company hereby grants to each of the Underwriters the right to purchase at their election up to the number of Optional Depositary Shares set forth opposite the name of such Underwriter in Schedule I hereto on the terms referred to in the paragraph above. Any such election to purchase Optional Depositary Shares may be exercised by written notice from the Representatives to the Company given within a period of 30 calendar days after the date of this Pricing Agreement, setting forth the aggregate number of Optional Depositary Shares to be purchased and the date on which such Optional Depositary Shares are to be delivered, as determined by the Representatives, but in no event earlier than the First Time of Delivery or, unless the Representatives and the Company otherwise agree in writing, no earlier than two or later than ten business days after the date of such notice.

     If the foregoing is in accordance with your understanding, please sign and return to us five counterparts hereof, and upon acceptance hereof by you, on behalf of the Underwriters, this letter and such acceptance hereof, including the provisions of the Underwriting Agreement General Terms and Conditions incorporated herein by reference, shall constitute a binding agreement between each Underwriter, on the one hand, and the Company, on the other.

Accepted as of the date hereof:

GOLDMAN, SACHS & CO.
J.P. MORGAN SECURITIES INC.

As Representatives of the Underwriters listed in
Schedule I hereto

SCHEDULE I

						Maximum
						of Optional
		Number of				Depositary
		Firm				Shares
		Depositary				which may
		Shares to be				be
Underwriters		purchased				purchased
Goldman, Sachs & Co.			7,000,003				1,050,000
J.P. Morgan Securities Inc.			7,000,002				1,050,000
Merrill Lynch, Pierce, Fenner & Smith Incorporated			1,100,000				165,000
Morgan Stanley & Co. Incorporated			1,100,000				165,000
BB&T Capital Markets, a division of Scott & Stringfellow, LLC			380,000				57,000
BNY Mellon Capital Markets, LLC			380,000				57,000
Citigroup Global Markets Inc.			380,000				57,000
Credit Suisse Securities (USA) LLC			380,000				57,000
Deutsche Bank Securities Inc.			380,000				57,000
RBS Securities Inc.			380,000				57,000
UBS Securities LLC			380,000				57,000
U.S. Bancorp Investments, Inc.			380,000				57,000
Wells Fargo Securities, LLC			380,000				57,000
Aladdin Capital Holdings LLC			25,333				3,800
Barclays Capital Inc.			25,333				3,800
Blaylock Robert Van, LLC			25,333				3,800
Daiwa Securities America Inc.			25,333				3,800
Dowling & Partners Securities LLC			25,333				3,800
FBR Capital Markets & Co.			25,333				3,800
Janney Montgomery Scott LLC			25,333				3,800
Jefferies & Company, Inc.			25,333				3,800
Keefe, Bruyette & Woods, Inc.			25,333				3,800
Macquarie Capital (USA) Inc.			25,333				3,800
Mitsubishi UFJ Securities (USA), Inc.			25,333				3,800
Samuel A. Ramirez & Co., Inc.			25,333				3,800
Sanford C. Bernstein & Co., Inc.			25,333				3,800
SunTrust Robinson Humphrey, Inc.			25,333				3,800

						Maximum
						of Optional
		Number of				Depositary
		Firm				Shares
		Depositary				which may
		Shares to be				be
Underwriters		purchased				purchased
The Williams Capital Group, L.P.			25,333				3,800
Total			20,000,000				3,000,000

SCHEDULE II

Title of Designated Securities:

20,000,000 Depositary Shares Representing 1/40th Shares of 7.25% Mandatory Convertible Preferred Stock, Series F (initial liquidation preference of $1,000.00 per share).

Number of Designated Securities:

     Number of Firm Depositary Shares:20,000,000

     Maximum Number of Optional Depositary Shares: 3,000,000

Purchase Price by Underwriter:

     $24.25 per depositary share

Specified Funds for Payment of Purchase Price:

     Federal (same day) funds

Applicable Time:

     6:00 p.m. (New York City time) on the date of the Pricing Agreement.

First Time of Delivery:

     9:00 a.m. (New York City time) on March 23, 2010, or at such other time and date as the Representatives and the Company may agree upon in writing.

Closing Location:

     Cleary Gottlieb Steen & Hamilton LLP, One Liberty Plaza, New York NY 10006, or at such other place as the Representatives and the Company may agree upon in writing.

Names and Addresses of Representatives:

Goldman, Sachs & Co.
85 Broad Street
New York, New York 10004

J.P. Morgan Securities Inc.
383 Madison Avenue
New York, New York 10179

Information Provided by the Underwriters:

The Underwriters have furnished to the Company for use in the Disclosure Package and Prospectus:

	(a)		The names of the Underwriters in the table of Underwriters under the caption “Underwriting” in the Prospectus;
	(b)		The third sentence of the fourth paragraph of text following the table of Underwriters under the caption “Underwriting” in the Prospectus; and
	(c)		The eighth and ninth paragraphs of text following the table of Underwriters under the caption “Underwriting” in the Prospectus.

SCHEDULE III

Issuer Free Writing Prospectus

1. Press release dated March 16, 2010 as filed pursuant to Rule 433 under the Act on March 16, 2010.

2. Certain presentation materials as filed pursuant to Rule 433 under the Act on March 16, 2010.

3. Final Term Sheet, dated March 17, 2010, relating to the Designated Securities, as filed pursuant to Rule 433 under the Act.

SCHEDULE IV

Final Term Sheet

Pricing Term Sheet		Free Writing Prospectus
dated as of March 17, 2010		Filed pursuant to Rule 433
		Relating to the
		Preliminary Prospectus Supplements each dated March 16, 2010 to the
		Prospectus dated April 11, 2007
		File No. 333-142044

The Hartford Financial Services Group, Inc.

Concurrent Offerings of
52,252,252 Shares of Common Stock, par value $0.01 per Share
(the “common stock offering”)
and
20,000,000 Depositary Shares
Each Representing a 1/40^th Interest in a Share of
7.25% Mandatory Convertible Preferred Stock, Series F
(the “depositary shares offering”)

The information in this pricing term sheet relates only to the common stock offering and the depositary shares offering and should be read together with (i) the preliminary prospectus supplement dated March 16, 2010 relating to the common stock offering (the “common stock preliminary prospectus supplement”, including the documents incorporated by reference therein, (ii) the preliminary prospectus supplement dated March 16, 2010 relating to the depositary shares offering (the “depositary shares preliminary prospectus supplement”), including the documents incorporated by reference therein and (iii) the related base prospectus dated April 11, 2007, each filed pursuant to Rule 424(b) under the Securities Act of 1933, as amended, Registration Statement No. 333-142044. Neither the common stock offering nor the depositary share offering is contingent on the successful completion of the other offering. Terms not defined in this pricing term sheet have the meanings given to such terms in the common stock preliminary prospectus supplement or the depositary shares preliminary prospectus supplement, as applicable.

Issuer:		The Hartford Financial Services Group, Inc.
Ticker / Exchange for common stock:		HIG / The New York Stock Exchange (“NYSE”)
Trade date:		March 18, 2010.

Settlement date:		March 23, 2010 (T + 3).

Common Stock Offering

Common stock offered:		52,252,252 shares of the Issuer’s common stock, par value $0.01 per share (the “common stock”)
Option for underwriters to purchase additional shares of common stock:		7,837,837 additional shares
Last reported sale price of common stock on NYSE on March 17, 2010:		$28.58 per share of common stock
Public offering price:		$27.75 per share / $1,450 million total, subject to the underwriters’ option to purchase additional shares.
Underwriting discount:		$0.888 per share / $46.4 million total, subject to the underwriters’ option to purchase additional shares.
Proceeds, before expenses, to the Issuer:		$26.862 per share / $1,403.6 million total, subject to the underwriters’ option to purchase additional shares.
Common stock to be outstanding after the depositary shares offering and the common stock offering:		436,380,790 shares (based on the number of shares of the common stock outstanding as of February 15, 2010, and excluding, among other things, shares reserved for issuance under certain compensation plans and certain outstanding contracts, and including the 52,252,252 shares offered in the common stock offering, assuming no exercise of the underwriters’ option to purchase additional shares in the common stock offering). See “Capitalization” in the common stock preliminary prospectus supplement.
Joint Book-Running Managers:		Goldman, Sachs & Co. and J.P. Morgan
Joint Lead Managers:		Citi and Wells Fargo Securities
Senior Co-Managers:		BofA Merrill Lynch; Credit Suisse and Morgan Stanley
Junior Co-Managers:		Barclays Capital; BNY Mellon Capital Markets, LLC; Deutsche Bank Securities; Piper Jaffray & Co.; SunTrust Robinson Humphrey and UBS Investment Bank
CUSIP / ISIN:		416515104 / US4165151048
Additional document incorporated by reference:		Current Report on Form 8-K dated March 17, 2010.

Depositary Shares Offering

Depositary shares offered:		20,000,000 depositary shares, each of which represents a 1/40th interest in a share of the Issuer’s 7.25% Mandatory Convertible Preferred Stock, Series F (“mandatory convertible preferred stock”). At the consummation of the depositary shares offering, the Issuer will issue

		500,000 shares of mandatory convertible preferred stock, subject to the underwriters’ option to purchase additional depositary shares.
Option for underwriters to purchase additional depositary shares:		3,000,000 additional depositary shares (corresponding to 75,000 additional shares of the mandatory convertible preferred stock).
Public offering price:		$25 per depositary share / $500,000,000 million total, subject to the underwriters’ option to purchase additional depositary shares.
Underwriting discount:		$0.75 per depositary share / $15 million total, subject to the underwriters’ option to purchase additional depositary shares.
Proceeds, before expenses, to the Issuer:		$24.25 per depositary share / $485,000,000 million total, subject to the underwriters’ option to purchase additional depositary shares.
Dividends:		7.25% on the liquidation amount of $1,000 for each share of mandatory convertible preferred stock per year (equivalent to $72.50 per annum per share of mandatory convertible preferred stock, corresponding to $1.8125 per annum per depositary share). The dividend payable on the first dividend payment date, if declared, is expected to be $19.7361 per share of mandatory convertible preferred stock and on each subsequent dividend payment date, if declared, is expected to be $18.1250 per share of mandatory convertible preferred stock (equivalent to $0.4934 and $0.4531, respectively, per depositary share).
		On the final dividend payment date or any earlier conversion date, the Issuer may pay dividends in cash, shares of the common stock or a combination thereof, at its election and subject to the share cap. The “share cap” is an amount per share equal to the product of (i) 2 and (ii) the maximum conversion rate, subject to adjustment as described in the depositary shares preliminary prospectus supplement. If the Issuer elects not to pay any dividends prior to the mandatory conversion date, and to pay accrued and unpaid dividends on the mandatory conversion date solely in shares of the common stock, and if the average VWAP of the common stock for the relevant measurement period is less than $6.27, the shares of the common stock that a holder of depositary shares will receive will have a value that is less than the amount of such accrued and unpaid dividends.
Dividend payment dates:		If declared, January 1, April 1, July 1 and October 1 of each year, commencing on July 1, 2010 and ending on April 1, 2013.
Mandatory conversion date:		April 1, 2013.
Initial price:		$27.75.
Threshold appreciation price:		$33.857, which represents an appreciation of approximately 22% over the initial price.
Conversion rate per share of mandatory convertible preferred stock:		The conversion rate for each share of mandatory convertible preferred stock will not be more than 36.036 shares of the common stock and not less than 29.536 shares of the common stock (respectively, the “maximum conversion rate” and “minimum conversion rate”) (and, correspondingly, the conversion rate for each depositary share will not

		be more than 0.9009 shares of the common stock and not less than 0.7384 shares of the common stock).
		The following table illustrates the conversion rate per share of the mandatory convertible preferred stock, subject to adjustment as described in the depositary shares preliminary prospectus supplement, based on the applicable market value of the common stock on the mandatory conversion date:

		Applicable Market Value on the Mandatory Conversion Date		Conversion Rate per Share of Mandatory Convertible Preferred Stock
		Less than or equal to $27.75		36.036 shares of common stock
		Greater than $27.75 and less than $33.857		$1,000, divided by the applicable market value
		Equal to or greater than the threshold appreciation price, or $33.857		29.536 shares of common stock

		If the applicable market value of the common stock exceeds the threshold appreciation price, the value of the common stock received by the holder of a depositary share upon conversion will be approximately 81.96% of the value of the common stock that could be purchased with $25 in the concurrent common stock offering. The following table illustrates the conversion rate per depositary share, subject to adjustment as described in the depositary shares preliminary prospectus supplement, based on the applicable market value of the common stock on the mandatory conversion date:

		Applicable Market Value on the Mandatory Conversion Date		Conversion Rate per Depositary Share
		Less than or equal to $27.75		0.9009 shares of common stock
		Greater than $27.75 and less than $33.857		$25, divided by the applicable market value
		Equal to or greater than the threshold appreciation price, or $33.857		0.7384 shares of common stock

Optional conversion:		At any time prior to March 15, 2013, other than during the fundamental change conversion period, a holder of mandatory convertible preferred stock may elect to convert such holder’s shares of mandatory convertible preferred stock at the minimum conversion rate of 29.536 shares of the common stock per share of mandatory convertible preferred stock (equivalent to 0.7384 shares of the common stock per depositary share), subject to adjustment as described in the depositary shares preliminary prospectus supplement. Because each depositary share represents a 1/40th fractional interest in a share of mandatory convertible preferred stock, a holder of depositary shares may only convert its depositary shares in lots of 40 depositary shares.
Common stock to be outstanding after the depositary shares offering and the common stock offering:		436,380,790 shares (based on the number of shares of the common stock outstanding as of February 15, 2010, and excluding, among other things, shares reserved for issuance under certain compensation plans and certain outstanding contracts, and including the 52,252,252 shares offered in the common stock offering, assuming no exercise of the underwriters’ option to purchase additional shares in the common stock offering). See “Capitalization” in the depositary shares preliminary prospectus supplement.
Fundamental change:		The following table sets forth the fundamental change conversion rate per share of mandatory convertible preferred stock based on the effective date of the fundamental change and the stock price in the fundamental change:

Stock Price on Effective Date
Effective Date		$5.00				$10.00				$15.00				$20.00				$25.00				$27.75				$30.00				$33.86				$35.00				$40.00				$50.00				$60.00				$75.00				$100.00
March 23, 2010			71.178				52.425				44.724				40.098				37.146				36.036				35.257				34.278				34.046				33.257				32.359				31.883				31.458				31.016
July 1, 2010			68.559				51.306				44.144				39.714				36.829				35.706				34.972				34.012				33.786				33.023				32.173				31.732				31.338				30.923
October 1, 2010			65.841				50.117				43.520				39.304				36.492				35.388				34.667				33.727				33.508				32.772				31.972				31.568				31.208				30.820
January 1, 2011			63.075				48.899				42.895				38.907				36.165				35.077				34.366				33.443				33.228				32.518				31.768				31.400				31.073				30.713
April 1, 2011			60.252				47.638				42.258				38.516				35.844				34.768				34.064				33.154				32.944				32.257				31.557				31.227				30.931				30.600
July 1, 2011			57.387				46.344				41.621				38.151				35.545				34.476				33.773				32.868				32.661				31.994				31.343				31.050				30.785				30.483
October 1, 2011			54.479				45.011				40.980				37.817				35.278				34.205				33.495				32.586				32.380				31.727				31.125				30.868				30.633				30.361
January 1, 2012			51.524				43.630				40.323				37.518				35.049				33.961				33.234				32.305				32.097				31.453				30.900				30.679				30.472				30.233
April 1, 2012			48.520				42.195				39.630				37.255				34.872				33.754				32.994				32.023				31.809				31.165				30.663				30.479				30.302				30.100
July 1, 2012			45.469				40.710				38.883				37.037				34.783				33.611				32.791				31.740				31.512				30.855				30.411				30.265				30.121				29.963
October 1, 2012			42.373				39.182				38.047				36.864				34.856				33.597				32.661				31.445				31.189				30.504				30.140				30.035				29.930				29.822
January 1, 2013			39.230				37.622				37.083				36.642				35.239				33.878				32.687				31.074				30.757				30.054				29.843				29.789				29.734				29.679
April 1, 2013			36.036				36.036				36.036				36.036				36.036				36.036				33.333				29.536				29.536				29.536				29.536				29.536				29.536				29.536

		The exact stock price and effective date may not be set forth on the table, in which case:

		•   if the stock price is between two stock price amounts on the table or the effective date is between two dates on the table, the fundamental change conversion rate will be determined by straight-line interpolation between the fundamental change conversion rates set forth for the higher and lower stock price amounts and the two dates, as applicable, based on a 365-day year;
		•   if the stock price is in excess of $100.00 per share (subject to adjustment as described in the depositary shares preliminary prospectus supplement), then the fundamental change conversion rate will be the minimum conversion rate, subject to adjustment as described in the depositary shares preliminary prospectus supplement; and
		•   if the stock price is less than $5.00 per share (subject to adjustment as described in the depositary shares preliminary prospectus supplement) (the “minimum stock price”), then the fundamental change conversion rate will be determined (a) as if the stock price equaled the minimum stock price and (b) if the effective date is between two dates on the table, using straight-line interpolation, as described in the depositary shares preliminary prospectus supplement, subject to adjustment.

		The following table sets forth the fundamental change conversion rate per depositary share based on the effective date of the fundamental change and the stock price in the fundamental change:

Stock Price on Effective Date
Effective Date		$5.00				$10.00				$15.00				$20.00				$25.00				$27.75				$30.00				$33.86				$35.00				$40.00				$50.00				$60.00				$75.00				$100.00
March 23, 2010			1.7794				1.3106				1.1181				1.0025				0.9286				0.9009				0.8814				0.8569				0.8511				0.8314				0.8090				0.7971				0.7864				0.7754
July 1, 2010			1.7140				1.2826				1.1036				0.9929				0.9207				0.8926				0.8743				0.8503				0.8446				0.8256				0.8043				0.7933				0.7835				0.7731
October 1, 2010			1.6460				1.2529				1.0880				0.9826				0.9123				0.8847				0.8667				0.8432				0.8377				0.8193				0.7993				0.7892				0.7802				0.7705
January 1, 2011			1.5769				1.2225				1.0724				0.9727				0.9041				0.8769				0.8591				0.8361				0.8307				0.8129				0.7942				0.7850				0.7768				0.7678
April 1, 2011			1.5063				1.1910				1.0564				0.9629				0.8961				0.8692				0.8516				0.8288				0.8236				0.8064				0.7889				0.7807				0.7733				0.7650
July 1, 2011			1.4347				1.1586				1.0405				0.9538				0.8886				0.8619				0.8443				0.8217				0.8165				0.7998				0.7836				0.7762				0.7696				0.7621
October 1, 2011			1.3620				1.1253				1.0245				0.9454				0.8820				0.8551				0.8374				0.8146				0.8095				0.7932				0.7781				0.7717				0.7658				0.7590
January 1, 2012			1.2881				1.0908				1.0081				0.9380				0.8762				0.8490				0.8309				0.8076				0.8024				0.7863				0.7725				0.7670				0.7618				0.7558
April 1, 2012			1.2130				1.0549				0.9907				0.9314				0.8718				0.8438				0.8248				0.8006				0.7952				0.7791				0.7666				0.7620				0.7575				0.7525
July 1, 2012			1.1367				1.0177				0.9721				0.9259				0.8696				0.8403				0.8198				0.7935				0.7878				0.7714				0.7603				0.7566				0.7530				0.7491
October 1, 2012			1.0593				0.9795				0.9512				0.9216				0.8714				0.8399				0.8165				0.7861				0.7797				0.7626				0.7535				0.7509				0.7483				0.7456
January 1, 2013			0.9807				0.9405				0.9271				0.9161				0.8810				0.8469				0.8172				0.7768				0.7689				0.7514				0.7461				0.7447				0.7433				0.7420
April 1, 2013			0.9009				0.9009				0.9009				0.9009				0.9009				0.9009				0.8333				0.7384				0.7384				0.7384				0.7384				0.7384				0.7384				0.7384

		Because each depositary share represents a 1/40th fractional interest in a share of mandatory convertible preferred stock, a holder of depositary shares may only convert its depositary shares upon the occurrence of a fundamental change in lots of 40 depositary shares.
Joint Book-Running Managers:		Goldman, Sachs & Co. and J.P. Morgan
Joint Lead Managers:		BofA Merrill Lynch and Morgan Stanley

Senior Co-Managers:		Citi; Credit Suisse and Wells Fargo Securities
Junior Co-Managers:		BB&T Capital Markets; BNY Mellon Capital Markets, LLC; Deutsche Bank Securities; RBS; UBS Investment Bank and U.S. Bancorp Investments, Inc.
Listing:		The Issuer will apply to list the depositary shares on the New York Stock Exchange, and expects trading on the New York Stock Exchange to begin within 30 days of the initial issuance of the depositary shares.
CUSIP / ISIN:		416515708 / US4165157086
Rating:		Standard & Poor’s: BB; Moody’s: (P)Ba2 The security ratings above are not a recommendation to buy, sell or hold the securities offered hereby. The ratings are subject to revision or withdrawal at any time by Moody’s or Standard & Poor’s. Each of the security ratings above should be evaluated independently of any other security rating.
Additional document incorporated by reference:		Current Report on Form 8-K dated March 17, 2010.

The Issuer has filed a registration statement (including a prospectus and related preliminary prospectus supplements for the offerings) with the U.S. Securities and Exchange Commission (the “SEC”) for the offerings to which this communication relates. Before you invest, you should read the common stock preliminary prospectus supplement or the depositary shares preliminary prospectus supplement, as the case may be, the accompanying prospectus in that registration statement and the other documents the Issuer has filed with the SEC for more complete information about the Issuer and the offering. You may get these documents for free by visiting EDGAR on the SEC’s website at http://www.sec.gov. Alternatively, copies may be obtained from sales representatives of Goldman, Sachs & Co., Attention: Prospectus Department, 85 Broad Street, New York, New York 10004, telephone (212)  ###-###-#### or toll-free (866)  ###-###-#### or by emailing ***@***; and J.P. Morgan Securities Inc., National Statement Processing, Prospectus Library, 4 Chase Metrotech Center, CS Level, Brooklyn, New York 11245; telephone: (718)  ###-###-####.

This communication should be read in conjunction with the common stock preliminary prospectus supplement or the depositary shares preliminary prospectus supplement, as the case may be, and the accompanying prospectus. The information in this communication supersedes the information in the common stock preliminary prospectus supplement or the depositary shares preliminary prospectus supplement, as the case may be, and the accompanying prospectus to the extent it is inconsistent with the information in such preliminary prospectus supplement or the accompanying prospectus.

ANY DISCLAIMERS OR OTHER NOTICES THAT MAY APPEAR BELOW ARE NOT APPLICABLE TO THIS COMMUNICATION AND SHOULD BE DISREGARDED. SUCH DISCLAIMERS OR OTHER NOTICES WERE AUTOMATICALLY GENERATED AS A RESULT OF THIS COMMUNICATION BEING SENT VIA BLOOMBERG OR ANOTHER EMAIL SYSTEM.

SCHEDULE V

Lock-Up Agreement

March  , 2010

Goldman, Sachs & Co.

     85 Broad Street

     New York, New York 10004

J.P. Morgan Securities Inc.

     383 Madison Avenue

     New York, New York 10179

as representatives of the Underwriters referred to below

     Re: The Hartford Financial Services Group, Inc. — Lock-Up Agreement

Ladies and Gentlemen:

     The undersigned understands that you, as representatives (the “Representatives”), propose to enter into (i) an underwriting agreement dated March 17, 2010 (the “Common Stock Underwriting Agreement”) and a pricing agreement dated March 17, 2010 (the “Common Stock Pricing Agreement”), on behalf of the several Underwriters named in Schedule I to the Common Stock Pricing Agreement (collectively, the “Common Stock Underwriters”), with The Hartford Financial Services Group, Inc., a Delaware corporation (the “Company”), providing for a public offering of certain shares (the “Common Shares”) of common stock, $0.01 par value per share of the Company (the “Common Stock”) and (ii) an underwriting agreement dated March 17, 2010 (the “Depositary Shares Underwriting Agreement”, together with the Common Stock Underwriting Agreement, the “Underwriting Agreements”) and a pricing agreement dated March 17, 2010 (the “Depositary Shares Pricing Agreement”) on behalf of the several Underwriters named in Schedule I to the Depositary Shares Pricing Agreement (collectively, the “Depositary Shares Underwriters”, and together with the Common Stock Underwriters, the “Underwriters”), with the Company, providing for a public offering of depositary shares, each representing a 1/40^th share of 7.25% Mandatory Convertible Preferred Stock, Series F, of the Company (the “Depositary Shares”, and together with the Common Shares, the “Shares”). Capitalized terms used herein and not otherwise defined shall have the meanings set forth in the Underwriting Agreements.

     In consideration of the agreement by the Underwriters to offer and sell the Shares, and of other good and valuable consideration the receipt and sufficiency of which is hereby acknowledged, the undersigned agrees that, during the period specified in the following paragraph (the “Lock-Up Period”), the undersigned will not (1) offer,

pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase, lend or otherwise transfer or dispose of, directly or indirectly, any shares of Common Stock or any securities convertible into or exercisable or exchangeable for Common Stock (collectively, the “Undersigned’s Shares”) or (2) enter into any swap or other arrangement that transfers to another, in whole or in part, any of the economic consequences of ownership of the Common Stock, whether any such transaction described in clause (1) or (2) above is to be settled by delivery of Common Stock or such other securities, in cash or otherwise. The foregoing restriction is expressly agreed to preclude the undersigned from engaging in any hedging or other transaction which is designed to or which reasonably could be expected to lead to or result in a sale or disposition of the Undersigned’s Shares even if such Shares would be disposed of by someone other than the undersigned. Such prohibited hedging or other transactions would include without limitation any short sale or any purchase, sale or grant of any right (including without limitation any put or call option) with respect to any of the Undersigned’s Shares or with respect to any security that includes, relates to, or derives any significant part of its value from such Shares.

     Notwithstanding the foregoing, the undersigned may transfer the Undersigned’s Shares (i) as a bona fide gift or gifts or by will or intestacy, provided that each donee, transferee or distributee thereof agrees to be bound in writing by the restrictions set forth herein, (ii) to the Company, provided that the Company agrees to be bound in writing by the restrictions set forth herein with respect to the Undersigned’s Shares so transferred (other than any shares transferred to the Company for purposes of tax withholding in connection with vesting of the Undersigned’s Shares), (iii) to any trust for the direct or indirect benefit of the undersigned or the immediate family of the undersigned, provided that the trustee of the trust agrees to be bound in writing by the restrictions as described herein, and provided further, that any such transfer shall not involve a disposition for value and no party, including the undersigned, shall be required to, nor shall it voluntarily, file a report under the Securities Exchange Act of 1934, as amended or (iv) pursuant to a written contract, instruction or plan complying with Rule 10b5-1 under the Exchange Act and previously provided to the Representatives, provided that such plan has been entered into prior to the date hereof and is not amended or modified during the Lock-Up Period.

     For purposes of this Lock-Up Agreement, “immediately family” shall mean any relationship by blood, marriage or adoption, not more remote than first cousin.

     The initial Lock-Up Period will commence on the date of this Lock-Up Agreement and continue for 60 days after the public offering date set forth on the final prospectus used to sell the Shares pursuant to the Underwriting Agreement.

     The undersigned also agrees and consents to the entry of stop transfer instructions with the Company’s transfer agent and registrar against the transfer of the Undersigned’s Shares except with respect to transfers made in compliance with the foregoing restrictions.

     The undersigned understands that the Company and the Underwriters are relying upon this Lock-Up Agreement in proceeding toward consummation of the offering. The undersigned further understands that this Lock-Up Agreement is irrevocable and shall be binding upon the undersigned’s heirs, legal representatives, successors, and assigns.

     Notwithstanding anything to the contrary in this Lock-Up Agreement, with respect to either Underwriting Agreement, if (i) such Underwriting Agreement has not been executed and the Company notifies you in writing that it does not intend to proceed with the public offering of the securities to be sold thereunder, (ii) the registration statement filed with respect to the public offering of the Common Shares or Depositary Shares, as the case may be, is withdrawn or (iii) for any reason such Underwriting Agreement has been executed and has been terminated prior to the purchases of the applicable securities; this Lock-Up Agreement shall be terminated with respect to the Common Stock Underwriters or the Depositary Shares Underwriters, as the case may be, and the undersigned shall be released from his or her obligations to such Underwriters hereunder.

				Very truly yours,
				Exact Name of [Director]/[Officer]
				Authorized Signature
				Title