874766--2/24/2006--HARTFORD_FINANCIAL_SERVICES_GROUP

related topics

{operation, natural, condition}

{loss, insurance, financial}

{regulation, change, law}

{product, candidate, development}

The occurrence of one or more terrorist attacks in the geographic areas we serve or the threat of terrorism in general may have a material adverse effect on our business, consolidated operating results, financial condition or liquidity. We may be unable to effectively mitigate the impact of equity market volatility on our financial position and results of operations arising from obligations under annuity product guarantees, which may affect our consolidated results of operations, financial condition or cash flows. As a property and casualty insurer, we are particularly vulnerable to losses from the incidence and severity of catastrophes, both natural and man-made, the occurrence of which may have a material adverse effect on our financial condition, consolidated results of operations or cash flows in a particular quarterly or annual period. Potential changes in domestic and foreign regulation may increase our business costs and required capital levels, which could adversely affect our business, consolidated operating results, financial condition or liquidity. We may experience difficulty in marketing and distributing products through our current and future distribution channels.

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874766--2/24/2006--HARTFORD_FINANCIAL_SERVICES_GROUP_INC/DE