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 27, 2003
                                                   ------------------

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

          Delaware                  0-19277                     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 9.      Regulation FD Disclosure.


         After the close of business on Monday,  January 27,  2003,  the company
expects  to  release  2002  fourth  quarter  and  year-end   earnings.   Shortly
thereafter,  the  company  expects to release to the  investment  community  its
related investor  financial  supplement (the "IFS"),  attached hereto as Exhibit
99.1.  The IFS also will be made  available to the public on the  company's  web
site at www.thehartford.com.

         The company  will review  fourth  quarter  and  year-end  results in an
analyst conference call scheduled for 10:00 a.m. EST Tuesday,  January 28, 2003.
The     conference     call     will    be     simultaneously     webcast     at
www.thehartford.com/ir/index.html.







                                    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 27, 2003      By: /s/ NEAL S. WOLIN
                            ---------------------------------------------
                            Name:    Neal S. Wolin
                            Title:   Executive Vice President and
                                     General Counsel





                                  EXHIBIT INDEX


Exhibit Number                      Description
--------------                      -----------

Exhibit 99.1                        Investor Financial Supplement