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):   May 4, 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
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   (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 May 4, 2004, The Hartford Financial Services Group, Inc. issued a
press release announcing its financial results for the first quarter ended March
31, 2004. A copy of the press release 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:  May 4, 2004               By:      /s/ NEAL S. WOLIN
                                          --------------------------------------
                                          Name:  Neal S. Wolin
                                          Title: Executive Vice President and
                                                 General Counsel