HARTFORD FINANCIAL SERVICES GROUP INC/DE
EX-10.2: SUMMARY OF COMPENSATION
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<TYPE>EX-10.2
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<DESCRIPTION>EX-10.2: SUMMARY OF COMPENSATION
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<P align="right" style="font-size: 10pt">Exhibit&nbsp;10.2



<P align="center" style="font-size: 10pt"><B>The Hartford Financial Services Group, Inc.</B>



<P align="center" style="font-size: 10pt"><B>2004 Compensation Of Non-Employee Directors</B>



<P align="center" style="font-size: 10pt"><I>&#151;  For service for the period from the May&nbsp;20, 2004 Annual Meeting of Shareholders through the next Annual Meeting &#151;</I>


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<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="top">
    <TD width="50%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
</TR>

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<TR valign="top">
    <TD><B>Standard Fees</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><B>Description</B></TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Annual Stock Option Award</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><B>$60,000 </B>valuation</TD>
</TR>
<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vests in 1/3 increments per year over a three-year period</TD>
</TR>
<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Term = 10 years plus two days</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Annual Restricted Stock Award</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><B>$40,000 </B>valuation</TD>
</TR>
<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1/3 of the shares vest three years from the date of the award and the
remaining 2/3 of the shares vest five years from the
date of the award</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Annual Retainer Payable in Cash</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><B>$30,000</B></TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Meeting Fee for each meeting of the Board of Directors attended</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><B>$1,500 </B>per meeting</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Fee for each Committee meeting attended</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><B>$1,200 </B>per Committee meeting</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
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<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Committee Chairperson Annual Retainer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><B>$10,000</B></TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><B>Other</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Deferred Compensation Plan</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May defer all or any portion of cash compensation into The Hartford
Deferred Compensation Plan</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Insurance</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$100,000 of group life insurance and $750,000 of AD&#038;D</TD>
</TR>
<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Directors may purchase additional AD&#038;D insurance</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:10px; text-indent:-10px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD><DIV style="margin-left:20px; text-indent:-10px">Travel and Related Expenses</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&#149;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Reimbursed for travel and related expenses incurred in connection with
their serving on the Board of Directors and its
Committees</TD>
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