The Hartford Insurance Group (HIG) Corporate presentation summary

Market leadership and business diversification

• Holds leading positions in commercial lines, employee benefits, and personal insurance segments, with a strong focus on underwriting excellence and risk management.

• Business insurance is the largest revenue contributor at 56%, followed by employee benefits at 25% and personal insurance at 14%.

• Maintains exclusive partnerships, such as with AARP for personal insurance, and leads in digital capabilities for small business insurance.

• Recognized for ethical practices, earning Ethisphere's World's Most Ethical Companies distinction 17 times.

Financial performance and shareholder returns

• Achieved an 11% CAGR in book value per diluted share (ex. AOCI) from 2022 to 2025, reaching $73.62.

• Core earnings ROE grew at a 10% CAGR, reaching 19.4% in 2025.

• Delivered a 310% cumulative total shareholder return from 2015 to 2025, outperforming the S&P 500 and sector benchmarks.

• Returned $2.2B to shareholders in 2025, including $1.6B in share repurchases and a 15% dividend increase.

Segment performance and operational efficiency

• Business insurance segment reported a 2025 underlying combined ratio of 87.9%, reflecting strong underwriting profitability.

• Personal insurance achieved target profitability, with a 2025 underlying combined ratio of 88.0% and growth initiatives in agency distribution.

• Employee benefits segment maintained a core earnings margin of 8.2% in 2025, with digital innovation and expanded HR tech integrations.

• Hartford Funds managed $154.3B in AUM in 2025, with 40% of funds outperforming peers on a 1-year basis and a core earnings ROE of 39.7%.