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The Hartford Insurance Company



Founded in 1810, The Hartford Financial Services Company is one of the largest investment and insurance companies based in the United States, with offices in Japan, Brazil, Ireland, England, and the United States. The Hartford is a leading provider of investment products annuities, mutual funds, college savings plans as theyll as life insurance, group and employee benefits, automobile and homeowners insurance and business insurance.

The Hartford serves millions of customers worldwide  including individuals, institutions and businesses  through independent agents and brokers, financial institutions. About 11,000 independent agencies and more than 100,000 registered brokers and dealers sell The Hartford's trusted products. The retail investment products team is a leading provider of investment vehicles designed to help individual investors achieve their long term financial goals. They provide the investor access to superior asset management through such products as annuities, mutual funds and other specialty products. Mutual fund offerings include a range of risk and return profiles, from money market and bond funds to asset allocation and high growth funds.

The Company believes the measure core earnings provides investors with a valuable measure of the performance of the Company's ongoing businesses because core earnings excludes the cumulative effect of accounting changes and the effect of all realized gains and losses that tend to be highly variable from period to period based on capital market conditions.
 
Core earnings includes net realized gains and losses such as net periodic settlements on credit derivatives and net periodic settlements on the Japan fixed annuity cross currency swap because these net realized gains and losses are directly related to an offsetting item included in the income statement, such as net investment income.

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