Ownership Submission
FORM 5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Form 3 Holdings Reported
Form 4 Transactions Reported
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number: 3235-0362
Expires: January 31, 2005
Estimated average burden hours per response... 1.0

1. Name and Address of Reporting Person *
AYER RAMANI
 2. Issuer Name and Ticker or Trading Symbol
HARTFORD FINANCIAL SERVICES GROUP INC/DE [HIG] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
__X__ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Chairman, President and CEO
(Last)
(First)
(Middle)

THE HARTFORD FINANCIAL SERVICES GROUP, HARTFORD PLAZA		 3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2005
(Street)


HARTFORD, CT 06115		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Reporting
(check applicable line)

_X_ Form Filed by One Reporting Person
___ Form Filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned at end of Issuer's Fiscal Year
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Amount (A) or (D) Price
Restricted Stock Units             26,031.4504 D  
Restricted Stock             35,300 D  
Common Stock             16,900 I (1) By Limited Liability Company
Common Stock 11/27/2005   G 11,300 D $ 87.95 184,493 D  

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number. SEC 2270 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned at End of Issuer's Fiscal Year
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
(A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Option $ 44.47             (2) 12/17/2007 Common Stock
169,470
  169,470
D
 
Stock Option $ 46.315             (3) 02/21/2008 Common Stock
112,140
  112,140
I (4)
By Trust
Stock Option $ 45.5             (5) 10/14/2008 Common Stock
114,021
  114,021
I (4)
By Trust
Stock Option $ 51             (6) 02/18/2009 Common Stock
165,675
  165,675
I (4)
By Trust
Stock Option $ 34             (7) 02/18/2010 Common Stock
408,497
  408,497
I (4)
By Trust
Stock Option $ 62.07             (8) 02/23/2011 Common Stock
222,046
  222,046
D
 
Stock Option $ 65.85             (9) 02/23/2012 Common Stock
201,556
  201,556
D
 
Stock Option $ 37.37             (10) 02/22/2013 Common Stock
171,465
  171,465
D
 
Stock Option $ 65.99             (11) 02/20/2014 Common Stock
96,723
  96,723
D
 
Stock Option $ 71.27             (12) 02/19/2015 Common Stock
79,454
  79,454
D
 
Stock Option $ 36.125             (13) 01/24/2007 Common Stock
740
  740
D
 
Stock Option $ 46.315             (3) 02/21/2008 Common Stock
41,227
  41,227
D
 

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
AYER RAMANI
THE HARTFORD FINANCIAL SERVICES GROUP
HARTFORD PLAZA
HARTFORD, CT 06115		   X     Chairman, President and CEO  

Signatures

/s/ Amanda Grabowski Aquino Amanda Grabowski Aquino, POA for Ramani Ayer, by Power of Attorney of Ramani Ayer dated February 19, 2004 02/13/2006
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Shares of Common Stock held by a Limited Liability Company of which Mr. Ayer and his spouse are the co-managing members.
(2) The option became fully exercisable on March 1, 2001, following the achievement of the following criteria: prior to March 1, 2001, the closing price of the Company's Common Stock on the New York Stock Exchange reached (i) $61.50 for 10 or more consecutive trading days, (ii) $63.00 for 10 or more consecutive trading days, and (iii) $65.00 for 10 or more consecutive trading days.
(3) The option became fully exercisable on February 19, 2001, the third anniversary of the grant date.
(4) Option held by a Grantor Retained Annuity Trust of which Mr. Ayer is a Trustee.
(5) The option became fully exercisable as of April 15, 1999, following the achievement of the following criteria: the closing price of the Company's Common Stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(6) The option became fully exercisable as of August 16, 2000, following the achievement of the following criteria: the closing price of the Company's Common Stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(7) The option became fully exercisable as of April 11, 2000, following the achievement of the following criteria: the closing price of the Company's Common Stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(8) The option became fully exercisable as of July 27, 2005, following the achievement of the following criteria: the closing price of the Company's Common Stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(9) The option becomes fully exercisable upon the earlier of (i) February 21, 2009 (seven years from the grant date) and (ii) the closing price of the Company's Common Stock on the New York Stock Exchange reaches 125% of the grant price for at least 10 consecutive trading days.
(10) The option became fully exercisable on June 18, 2003, following the achievement of the following criteria: the closing price of the Company's Common Stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(11) One-third of the option became exercisable on February 18, 2005, an additional one-third of the option will become exercisable on February 18, 2006 and the remaining one-third of the option will become exercisable on February 18, 2007, the third anniversary of the grant.
(12) The option becomes fully exercisable upon the later of: (i) the closing price of the Issuer's Common Stock on the New York Stock Exchange reaches 125% of the grant price for at least 10 consecutive trading days and (ii) February 17, 2008 (three years from the grant date).
(13) The option became fully exercisable on January 24, 2000, the third anniversary of the grant date.

Note: File three copies of this Form, one of which must be manually signed. If space provided is insufficient, see Instruction 6 for procedure.

Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.