UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT

                     Pursuant to Sections 13 or 15(d) of the


                         Securities Exchange Act of 1934



                     Date of Report (Date of earliest event
                           reported): September 3, 2002



                   The Hartford Financial Services Group, Inc.
             (Exact name of registrant as specified in its charter)



        Delaware                    0-19277                  13-3317783
-------------------------   -------------------------   ------------------------
    (State or other        (Commission File Number)       (I.R.S. Employer
    jurisdiction of                                       Identification No.)
    incorporation)

                   The Hartford Financial Services Group, Inc.
                                 Hartford Plaza
                        Hartford, Connecticut 06115-1900
                    (Address of principal executive offices)
                                   (Zip Code)


                                 (860) 547-5000
              (Registrant's telephone number, including area code)

ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

The following document is filed with reference to and hereby incorporated by
reference into the Registration Statement on Form S-3 (File No. 333-88762), of
The Hartford Financial Services Group, Inc. (the "Company") filed with the
Securities and Exchange Commission on May 21, 2001:

(c) Exhibits

Exhibit  1.1    Underwriting Agreement General Terms and Conditions, dated
                August 26, 2002, including the Pricing Agreement, dated
                August 26, 2002 (Debt Securities of the Company).

Exhibit 5.1   Opinion of Katherine Vines Trumbull.





                                   SIGNATURES

         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 thereunto duly authorized.



                                     The Hartford Financial Services Group, Inc.
                                     -------------------------------------------
                                     (Registrant)



Date:  September 3, 2002             By:   /s/ Neal S. Wolin
                                            ------------------
                                           Name:  Neal S. Wolin
                                           Title: Executive Vice President
                                                  and General Counsel

                                EXHIBIT INDEX


EXHIBIT NUMBER                       DESCRIPTION
--------------    --------------------------------------------------
Exhibit 1.1       Underwriting Agreement General Terms and Conditions, dated
                  August 26, 2002, including the Pricing Agreement, dated
                  August 26, 2002 (Debt Securities of the Company).

Exhibit 5.1       Opinion of Katherine Vines Trumbull.