The Hartford Financial Services Group, Inc. July 27, 2015 SECOND QUARTER 2015 FINANCIAL RESULTS PRESENTATION

The Hartford Financial Services Group, Inc. July 27, 2015 SECOND QUARTER 2015 FINANCIAL RESULTS PRESENTATION

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-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should consider the important risks and uncertainties that may cause actual results to differ, including those discussed in The Hartford s news release issued on July 27, 2015, The Hartford s Quarterly Reports on Form 10-Q, The Hartford s 2014 Annual Report on Form 10-K, and other filings we make with the U.S. Securities and Exchange Commission. We assume no obligation to update this presentation, which speaks as of today s date. The discussion in this presentation of The Hartford s financial performance includes financial measures that are not derived from generally accepted accounting principles (GAAP). Information regarding these non-gaap financial measures, including reconciliations to the most directly comparable GAAP financial measures, is provided in the news release issued on July 27, 2015 and The Hartford s Investor Financial Supplement for second quarter 2015 which is available at the Investor Relations section of The Hartford s website at http://ir.thehartford.com. From time to time, The Hartford may use its website to disseminate material company information. Financial and other important information regarding The Hartford is routinely accessible through and posted on our website at http://ir.thehartford.com. In addition, you may automatically receive email alerts and other information about The Hartford when you enroll your email address by visiting the Email Alerts section at http://ir.thehartford.com. 2

Second Quarter 2015 Key Financial Highlights Core Earnings BVPS and ROE Core earnings EPS 1,2 of $0.91, including unfavorable A&E 3 PYD 4 of $0.31 Core earnings EPS up 66% over 2Q14 excluding unfavorable A&E PYD and other items BVPS, ex-aoci 1,5, up 8% over June 30, 2014 to $42.41 Twelve month core earnings ROE 1,6 9.6%, up 1.8 points over 2Q14 P&C Underwriting P&C 7 combined ratio before CATs 8 and PYD improved 3.8 points to 88.9; both Commercial and Personal Lines improved Commercial Lines Pricing Standard Commercial renewal written price increases averaged 3%, generally stable with 1Q15 Talcott Runoff Core earnings increased by $70 million due to a federal tax benefit and strong investment income, primarily due to LPs 9 Share Repurchases Repurchased 6.0 million shares in the quarter for $250 million Equity repurchase plan increased by $1.6 billion and extended through Dec. 31, 2016 3 1. Denotes financial measure not calculated based on generally accepted accounting principles (GAAP) 2. Earnings per diluted share 3. Asbestos and Environmental 4. Prior year development 5. Book value per diluted share, excluding accumulated other comprehensive income 6. Return on equity 7. Property & Casualty 8. Catastrophes 9. Limited partnerships and other alternative investments

2Q15 core earnings EPS of $0.91 significantly improved over 2Q14 Core earnings EPS was $0.91, significantly improved versus $0.31 in 2Q14 due to: - Better P&C underwriting results; - Higher Talcott core earnings from strong LP income and a tax benefit; and - Lower unfavorable A&E PYD Net income EPS of $0.96 versus net loss of $1.00 in prior year, which included $1.32 loss on sale of Japan annuity business 9% decrease in weighted average diluted shares outstanding from 2Q14 due to equity repurchases - 42.7 million shares repurchased in past 12 months for $1.6 billion, average of $38.57 per share Core Earnings (Losses) By Segment ($ in millions except per diluted share amounts) 2Q14 2Q15 Change 3 Commercial Lines $213 $264 24% Personal Lines (27) 42 NM P&C Other Operations (146) (113) 23% Group Benefits 52 56 8% Mutual Funds 21 22 5% Sub-total $113 $271 140% Talcott Resolution 101 171 69% Corporate (70) (53) 24% Core earnings $144 $389 170% Net realized capital gains (losses) 1 (4) 4 NM Unlock benefit, after-tax 15 31 107% (Loss) from disc. operations, after-tax (617) - NM (Loss) on extinguishment of debt, after-tax - (14) NM Net reinsurance gain on dispositions, after-tax - 5 NM Restructuring and other (costs), after-tax (5) (2) 60% Net income (loss) $(467) $413 NM 4 1. Net realized capital gains (losses), after-tax and deferred acquisition costs (DAC), excluded from core earnings 2. In millions 3. The Hartford defines increases or decreases greater than or equal to 200%, or changes from a net gain to a net loss position, or vice versa, as NM or not meaningful Core earnings EPS $0.31 $0.91 194% Net income (loss) EPS $(1.00) $0.96 NM Wtd. avg. diluted shares outstanding 2 467.9 428.1 (9%)

2Q15 net unfavorable items of $0.20 per diluted share, versus $0.37 per diluted share in 2Q14 2Q15 core earnings included net unfavorable items totaling $87 million, after-tax, or $0.20 per diluted share: - $148 million unfavorable PYD, largely due to $134 million, after-tax, A&E reserve strengthening; - $48 million federal tax benefit in Talcott Resolution; and - $13 million favorable litigation resolution in P&C Excluding net unfavorable items from both quarters, core earnings EPS increased 66% to $1.11 versus $0.67 in 2Q14 Other notable items in 2Q15 included: - CAT losses of $90 million, after-tax, compared with $127 million, after-tax, in 2Q14 - LP income of $61 million, after-tax, in 2Q15 versus $34 million, after-tax, in 2Q14 ($ in millions except per diluted share amounts) 2Q14 2Q15 (Unfavorable) PYD (171) (148) Tax benefit - 48 Favorable litigation resolution - 13 Items included in core earnings ($171) ($87) Per diluted share ($0.37) ($0.20) Core earnings, ex-items $315 $476 Core earnings EPS, ex-items $0.67 $1.11 5 5

P&C 1 core earnings of $193 million in 2Q15, substantial improvement from $40 million in 2Q14 6 2Q15 core earnings of $193 million reflect strong underwriting results, including lower CATs and PYD versus 2Q14 - Current Accident Year (CAY) CATs of $90 million, after-tax, compared with $127 million in 2Q14 - $134 million A&E PYD, after-tax, compared with $164 million, after-tax, in 2Q14 - Excluding A&E, PYD was $14 million, after-tax, versus $7 million, after-tax, in 2Q14 Combined ratio before CATs and PYD improved 3.8 points to 88.9 versus 92.7 in 2Q14 - Improvement in both Commercial and Personal Lines P&C investment income rose 5% to $307 million, before tax, due to increased LP income - Excluding higher LP income, P&C investment income declined 2% due to lower reinvestment yields Written premium growth of 4% over 2Q14-5% growth in Commercial Lines - 1% growth in Personal Lines 1. P&C consists of the Commercial Lines, Personal Lines and P&C Other segments 2. 6 Expense ratio includes policyholder dividends 3. Loss adjustment expenses 30.2 30.1 31.0 30.7 30.1 62.4 61.8 61.0 61.0 58.9 P&C Written Premiums $2,574 $2,603 $2,470 $2,661 $2,667 $1,003 $1,019 $912 $939 $1,009 $1,571 $1,583 $1,558 $1,722 $1,655 Commercial Lines Personal Lines 110.4 17.7 P&C Combined Ratio 93.0 93.8 94.9 1.2 1.8 3.2 102.8 13.9 CATs and PYD, incl. A&E Expenses2 Total Losses and LAE 3 Before CATs and PYD

Commercial Lines: CAY underwriting margins continued to improve in 2Q15 2Q15 combined ratio of 92.2, 4.0 points better than 2Q14 due to margin improvement in workers compensation and favorable non- CAT property losses - CAY CATs higher by 0.4 point - PYD increased 0.5 point CAY combined ratio before CATs of 88.4, a 4.7 point improvement over 2Q14 - CAY loss and LAE ratio before CATs improved 3.9 points - Expense ratio improved 0.9 point Written premiums rose 5% over 2Q14 - Small Commercial rose 4% - Middle Market rose 8% - Specialty Commercial rose 4% Commercial Lines Combined Ratio 96.2 92.1 92.4 95.9 92.2 3.0 0.2 1.2 3.6 3.9 33.2 33.0 33.2 33.7 32.3 59.9 59.0 58.0 58.6 56.0 1 CAY CATs and PYD Expense Ratio CAY Loss and LAE Ratio Before CATs Commercial Lines Written Premiums $1,571 $1,583 $1,558 $192 $201 $195 $1,722 $1,655 $219 $200 $537 $583 $601 $589 $578 $833 $791 $754 $906 $867 1. Expense ratio includes policyholder dividends 7 Small Commercial Middle Market Specialty Commercial

Small Commercial: Strong top-line and underwriting results Small Commercial underwriting margins remained very strong in 2Q15 - Combined ratio of 89.2, a 2.2 point improvement over 2Q14 due to an improved CAY loss and LAE ratio and lower CATs CAY combined ratio before CATs was 85.1, a 2.5 point improvement, driven by lower non-cat property losses and better workers compensation results Written premiums increased 4% over 2Q14 - Policy count retention remains strong at 83%, down 1 point from 2Q14-3% average renewal written price 1 increases - New business premium totaled $141 million, essentially flat versus 2Q14 Small Commercial Combined Ratio 91.4 88.4 93.9 86.1 89.2 3.8 4.3 0.9 4.1 87.6 87.5 86.8 89.6 85.1 (0.7) CATs and PYD CAY Combined Ratio Before CATs Small Commercial Written Premiums & Retention $833 $791 $140 $128 $906 $867 $754 $140 $141 $122 84% 84% 85% 85% 83% 8 1. Renewal written price statistics are subject to change from period to period, based on a number of factors, including changes in actuarial estimates and the effect of subsequent cancellations and non-renewals on rate achieved, and modifications made to better reflect 8 ultimate pricing achieved New Business Retention

Middle Market: Improved top-line and underwriting profitability Underwriting margins improved in 2Q15-2Q15 combined ratio improved 5.3 points to 94.5 due to improved CAY underwriting results before CATs - CATs and PYD were 5.2, up from 2.2 in 2Q14, due to higher CAY CATs CAY combined ratio before CATs improved 8.3 points to 89.3 reflecting lower non-cat property losses and improved workers compensation results Written premiums rose 8% over 2Q14 - Renewal written price increases averaged 2% - New business premium of $119 million, up 8%, driven by construction and marine - Policy count retention of 81%, up 1 point over 2Q14 Middle Market Written Premiums & Retention $537 $110 Middle Market Combined Ratio 99.8 97.8 98.9 94.5 93.7 2.2 0.2 3.1 5.2 5.2 97.6 93.5 94.7 93.7 89.3 CATs and PYD $583 $107 CAY Combined Ratio Before CATs $601 $589 $578 $131 $124 $119 80% 80% 80% 81% 81% 9 9 New Business Retention

Specialty Commercial: Strong underwriting results Underwriting margins were strong and improved from 2Q14-2Q15 combined ratio of 100.4, a 3.3 point improvement over 2Q14, primarily due to lower PYD and improved CAY loss experience 2Q15 CAY combined ratio before CATs improved 2.7 points over 2Q14 to 98.8 due to strong Financial Products results and a slight shift in premium mix toward Bond, which has a lower combined ratio Written premiums increased 4% versus 2Q14 driven by a 6% increase in National Accounts, the largest product line - Financial Products, the second largest line, rose 2% - Bond rose 4% 103.7 2.2 Specialty Commercial Combined Ratio 101.5 105.1 99.1 99.1 98.8 (7.3) 2.3 (4.6) Specialty Commercial Written Premiums 1.6 $192 $47 CATs and PYD 97.8 101.4 $201 $195 $51 $47 $59 $64 $65 94.5 CAY Combined Ratio Before CATs $219 $46 $61 100.4 $200 $49 $60 $77 $81 $80 $100 $82 10 National Accounts Financial Products Bond Other 10

Personal Lines: Written premiums stable and improved CAY results 2Q15 combined ratio of 99.2 improved 8.6 points over 2Q14 primarily due to lower CATs - CAY CATs were 10.0 points on the combined ratio compared with 16.7 points in 2Q14 CAY combined ratio before CATs and PYD of 89.1 improved 2.0 points compared with 91.1 in 2Q14 due to improved homeowners results before CATs - CAY loss and LAE ratio before CATs improved 2.7 points driven by favorable non-cat weather frequency and severity and lower fire losses in homeowners Written premiums were stable with 2Q14 as strong renewal written price increases were offset by lower retention and new business premium - Auto renewal written pricing up 1 point over 2Q14 to 6%; homeowners stable at 8% - Premium retention declined to 87% and 90% from 88% and 92%, respectively, for auto and homeowners - New business premium declined 9% driven by underwriting actions in the Other Agency channel; AARP Direct new business premium grew 4% ($27) Core Earnings and Combined Ratio $71 $65 $75 $42 91.1 90.9 91.8 89.9 89.1 Core Earnings (Losses) $1,003 $1,019 $323 $329 $680 $690 Written Premiums $629 CAY Combined Ratio Before CATs $283 $268 $321 $671 $688 Auto $912 Home $939 $1,009 11

Personal Lines: Auto written premiums up 1% in 2Q15 CAY auto combined ratio before CATs up 0.6 point to 96.6 reflecting higher auto liability severity compared with 2Q14 - Auto liability severity elevated slightly in 2015 compared with the prior year - Auto physical damage loss ratio largely stable compared with the prior year Auto written premiums increased 1% over 2Q14 due to strong renewal written price increases and AARP Direct auto new business premium growth - Renewal written price increases averaged 6%, up from 5% in 2Q14 - Policy count retention of 84% declined from 86% in 2Q14 - New business premiums decreased 7% due to underwriting actions 96.0 97.0 Auto Combined Ratio 1 102.4 94.6 96.6 Auto Renewal Written Price Increases and Policy Count Retention 5% 5% 6% 6% 6% 86% 85% 84% 84% 84% 12 1. Before CATs and PYD Renewal Written Price Increases Policy Count Retention

Personal Lines: Homeowners CAY combined ratio, before CATs, improved 8.8 points 2Q15 CAY homeowners combined ratio before CATs of 72.6 improved 8.8 points from 2Q14 - Improvement due to favorable non-cat weather and lower fire losses - Fire losses were at the lowest level in the last five years Homeowners written premiums were down 1% compared with 2Q14 as continued strong renewal written price increases were offset by lower retention - Renewal written price increases averaged 8% - Policy count retention was 86%, down 1 point compared with 2Q14 - New business premiums declined 17% 81.4 Homeowners Renewal Written Price Increases and Policy Count Retention 8% Homeowners Combined Ratio 1 77.6 7% 68.1 79.7 72.6 8% 8% 8% 87% 86% 85% 85% 86% 13 1. Before CATs and PYD Renewal Written Price Increases Policy Count Retention

Group Benefits: 6.3% 2Q15 after-tax core earnings margin Core earnings up 8% over 2Q14 due to higher earned premiums and lower expenses - 6.3% after-tax core earnings margin versus 6.0% in 2Q14 Fully insured ongoing premiums up 5% over 2Q14, excluding Association-Financial Institutions (A-FI), due to sales growth and strong persistency - Fully insured ongoing sales rose 29% from 2Q14, with 17% growth in group life and 35% in group disability 2Q15 loss ratio of 77.6%, essentially flat with 2Q14, excluding A-FI - Group disability loss ratio improved 3.1 points to 80.8% reflecting improved incidence, pricing and recoveries - Group life loss ratio, excluding A-FI, increased 3.6 points to 76.2%, due to less favorable mortality compared with 2Q14 2Q15 expense ratio declined to 25.0% from 25.8% in 2Q14, excluding A-FI Core Earnings & After-Tax Core Earnings Margin 1 $52 $52 $56 6.0% $38 $45 6.3% 5.9% 5.3% 4.5% Core Earnings After-Tax Core Earnings Margin Fully Insured Ongoing Premiums 2 & Loss Ratio 2 $742 $731 $737 77.5% 78.3% $763 $780 76.0% 76.7% 77.6% 2Q14 14 3Q14 4Q14 1Q15 2Q15 Premiums Loss Ratio 1. Denotes a financial measure not calculated based on GAAP 2. Excludes A-FI and buyout premiums 14

Mutual Funds: Continued momentum in sales and positive net flows Mutual Fund performance remains solid as 51%, 60% and 69% of funds beat peers on a 1-, 3- and 5-year basis 1, respectively Mutual Fund Asset Under Management (AUM), which excludes Talcott Resolution AUM 3, rose 3% from 2Q14 to $76.3 billion - Mutual Fund continued momentum in sales, at $4.0 billion, up 2% over 2Q14 - Mutual Fund positive net flows of $250 million Core earnings of $22 million, up $1 million from 2Q14, despite lower average AUM - Talcott Resolution AUM declined 21% since June 30, 2014 due to continued runoff of variable annuity (VA) AUM, including the 4Q14 impact of transferring assets from Mutual Funds to the company s investment management arm - Mutual Fund AUM rose 3% since June 30, 2014 due to market appreciation $271 $98.9 Mutual Fund 2 Net Flows $93 Mutual Funds Segment AUM 4 ($ in billions) $96.2 $(349) $93.6 $529 $250 Note: 2Q14 net flows exclude a $709 million target date fund liquidation, and 4Q14 net flows exclude a $711 planned asset transfer $95.9 $95.7 $24.5 $22.9 $20.6 $20.2 $19.4 $74.3 $73.3 $73.0 $75.7 $76.3 1. Hartford Mutual Funds (HMF) only on Morningstar net of fees basis 2. Mutual funds sold through retail, bank trust, registered investment advisor and 529 plan channels 3. Consists of mutual fund assets held in separate accounts supporting variable insurance and investment products 4. AUM as of end of period Mutual Fund AUM Talcott Resolution AUM 15

Talcott Resolution: Variable and fixed annuity contract counts declined 12% and 11%, respectively, since June 30, 2014 Core earnings of $171 million rose substantially compared with $101 million in 2Q14 due to favorable items: - $48 million reduction in federal income tax expense due to conclusion of the 2007 to 2011 audit - Higher investment income largely due to LPs; LP investment income increased by $19 million, before tax, compared with 2Q14 Variable Annuity contract counts decreased 3% during 2Q15 and 12% since June 30, 2014 - Reflects normal runoff activity during quarter Fixed annuity contract counts decreased 2% during 2Q15 and 11% since June 30, 2014 Institutional covered lives of approximately 124,000 declined 1% during 2Q15 and 3% since June 30, 2014 Statutory surplus of $5.1 billion at June 30, 2015 - $500 million dividend approved and paid in July 2015 Variable Annuity Fixed Annuity and Payout 1. Individual Annuity consists of U.S. annuity products for individuals, including variable, fixed and payout 2. Other consists of PPLI, residual income or tax benefits associated with the reinsurance of the policyholder and separate account liabilities of the Retirement Plans, Individual Life businesses and International discontinued operations. 16 $101 $17 872 151 721 Talcott Resolution Core Earnings $122 $39 Individual Annuity Contract Counts (in thousands) 837 143 $98 $18 $84 $83 $80 $83 down 12% 813 139 694 674 $111 $28 790 137 $37 $134 Individual Annuity1 Institutional and Other 2 $171 768 134 653 634

High quality and well-diversified investment portfolio Fixed maturities portfolio weighted average credit rating of A+ as of June 30, 2015-5.5% rated below investment grade as of June 30, 2015, versus 5.7% as of Dec. 31, 2014 Duration of 5.5 years as of June 30, 2015 versus 5.3 as of Dec. 31, 2014 No Greek sovereign or corporate debt investments Investment Portfolio Composition (Excluding equity securities, trading) Investment by sector (%) Dec. 31, 2014 June 30, 2015 Corporate 36% 36% Municipal 17% 17% Structured Real Estate 1 15% 15% US Govt/Govt Agency & Short-term 12% 10% Mortgage Loans 7% 8% Limited Partnerships 4% 4% Equity, Policy Loans and Other 4% 4% ABS 3% 4% Foreign Govt/Govt Agency 2% 2% Total ($ in Billion) $76.3 $74.4 Fixed Maturities Dec. 31, 2014 June 30, 2015 1. Includes commercial mortgage backed securities, collateralized debt obligations, and residential mortgage backed securities 2. Average credit ratings are based on availability, and are the midpoint of the applicable ratings among Moody s, S&P, Fitch and Morningstar. If no rating is available from a rating agency, then an internally developed rating is used % Investment grade 94.3% 94.5% % Below investment grade 5.7% 5.5% Average duration 5.3 5.5 Average credit quality 2 A+ A+ Total ($ in billion) $59.4 $59.1 Total Portfolio Annualized yield, before tax 4.2% 4.5% Annualized yield excluding LPs, before tax 4.1% 4.1% Impairments ($ in million, before tax) $16 $11 17

P&C portfolio investment yield faces headwinds in low rate environment P&C investment income up 5% over 2Q14 due to LP investment income - Excluding $21 million, before tax, increase in LP investment income, P&C investment income declined 2% Annualized investment yield, before tax, was 4.2% for 2Q15 compared with 4.1% in 2Q14-13% annualized yield 1 on LPs compared with 7% in 2Q14 Annualized investment yield, excluding LPs, declined to 3.9% in 2Q15 compared with 4.0% in 1Q15 and 2Q14 due to lower reinvestment rates - New money rate of 3.7% in 2Q15, down from 3.9% in 2Q14 * Total includes investment expenses of $10, $10, $15, $11 and $11 in 2Q14, 3Q14, 4Q14, 1Q15 and 2Q15 respectively 1. Return on LPs for total portfolio $292* $316* $18 $47 Total Net Investment Income $282* $16 $327* $307* $53 $39 $284 $279 $281 $285 $279 Fixed Maturities and Other LPs 4.1% 4.0% 3.9% Annualized Investment Yield, Before Tax 4.4% 4.0% 3.7% 3.9% 3.9% 3.1% 4.5% 4.0% 3.4% 4.2% 3.9% 3.7% Annualized Investment Yield Annualized Investment Yield, ex. LPs New money yield 18

Book value per share, ex-aoci, of $42.41, up 4% from Dec. 31, 2014 $42.41 BVPS, ex-aoci, at June 30, 2015 - Up 4% from Dec. 31, 2014 - Up 8% from June 30, 2014 Book Value Per Diluted Share, ex. AOCI $39.21 $39.82 $40.71 $41.47 $42.41 $42.86 BVPS, including AOCI, at June 30, 2015 - Flat compared with Dec. 31, 2014 - Up 3% from June 30, 2014 Common shares outstanding and dilutive potential common shares decreased 9% or 40.6 million shares over the last four quarters, reflecting the impact of common share repurchases 2Q15 share repurchases of $250 for 6.0 million shares (average $41.77 per share) 12 Month Trailing Core Earnings ROE 9.6% 7.8% 8.2% 8.4% 8.1% 19

Increase in and extension of capital management plan for 2014-2016 Increased current equity plan by $1.6 billion and extended through Dec. 31, 2016 - Total $4.375 billion for equity repurchases - Through July 24, 2015, $2.377 billion used, including $81 million since June 30, 2014, leaving approximately $2.0 billion under this plan, to be used ratably through the end of 2016 Announced intention to repay 2016 debt maturity of $275 million and extended remaining debt management authorization through Dec. 31, 2016 - Total of $500 million authorized for debt management, with $183 million remaining through Dec. 31, 2016 - Repaid $489 million of maturing debt to date and expect to repay an additional $442 million by year-end 2016, comprised of: $167 million maturing in Nov. 2015; and $275 million maturing in Oct. 2016 Increased quarterly dividend by 17% to $0.21 per share of common stock $1,618 $1,018 $600 $200 $1,796 $606 $581 2013 2014 2015 YTD* Share repurchases Capital Management Actions $1,996 $1,187 Amount spent on debt repayment or reduction * YTD as of July 24, 2015 20