The Hartford (HIG) investor relations material

Opening remarks and business performance

• Expressed strong satisfaction with year-to-date results and business performance across all segments.

• Emphasized focus on delivering high ROE and effective capital deployment.

• Positive outlook for all business lines and continued strategic execution.

Employee Benefits acquisition and strategy

• Recent acquisition from Equitable brings advanced technology, especially for under-500-lives segment.

• Technology platform enables end-to-end digital access and supports dental and vision products.

• Integration aims to enhance profitability through claims tools and efficiency initiatives.

• Cross-sell synergies expected over time with small business P&C clients.

• Confident in Employee Benefits scale, ranking #1 in fully insured disability and #3 overall.

Artificial intelligence and operational transformation

• AI investments focus on underwriting, claims, and operations, driving automation and efficiency.

• 75% of small business quotes are fully automated, improving profitability and growth.

• Automation reduces process leakage, increases underwriter productivity, and enhances pricing accuracy.

• Claims automation improves intake, medical record processing, and cost control, especially in workers' comp.

• Customer experience platform and IT investments boost productivity and customer satisfaction.