UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


      Date of Report (Date of earliest event reported):   January 28, 2004
                                    ---------------

                  THE HARTFORD FINANCIAL SERVICES GROUP, INC.
                  -------------------------------------------
             (Exact name of registrant as specified in its charter)

       Delaware                    001-13958                13-3317783
----------------------------     ---------------        -------------------
(State or other jurisdiction      (Commission             (IRS Employer
  of Incorporation)               File Number)           Identification No.)


       The Hartford Financial Services Group, Inc.
       Hartford Plaza
       Hartford, Connecticut                               06115-1900
       -------------------------------------------      ----------------
       (Address of principal executive offices)            (Zip Code)


Registrant's telephone number, including area code:       (860) 547-5000
                                                        ------------------







Item 12.  Results of Operations and Financial Condition.

     On January 28, 2004, The Hartford Financial Services Group, Inc. issued a
press release announcing its financial results for the fourth quarter and year
ended December 31, 2003. A copy of the press release is furnished herewith as
Exhibit 99.1 and is incorporated herein by reference.

     As provided in General Instruction B.6 of Form 8-K, the information and
exhibit contained in this Form 8-K shall not be deemed to be "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor
shall they be deemed to be incorporated by reference in any filing under the
Securities Act of 1933, as amended, except as shall be expressly set forth by
specific reference in such a filing.





                                   SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.






                               THE HARTFORD FINANCIAL SERVICES GROUP, INC.


Date:  January 28, 2004        By:  /s/ NEAL S. WOLIN
                                   -----------------------------------------
                               Name:    Neal S. Wolin
                               Title:   Executive Vice President and
                                        General Counsel