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.


Attached hereto as Exhibit 99.1 is a press release announcing the company's 2002
fourth quarter and year-end  earnings.







                                    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                        Press Release, dated January 27, 2003