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 its
Investor Financial  Supplement ("IFS") relating to its financial results for the
fourth  quarter and year ended December 31, 2003. A copy of the IFS 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