EXHIBIT 4.30


         This Preferred  Security is a Global  Certificate within the meaning of
the Trust Agreement hereinafter referred to and is registered in the name of The
Depository Trust Company (the "Depository") or a nominee of the Depository. This
Preferred  Security is exchangeable for Preferred  Securities  registered in the
name of a person  other than the  Depository  or its nominee only in the limited
circumstances described in the Trust Agreement and no transfer of this Preferred
Security  (other  than a transfer of this  Preferred  Security as a whole by the
Depository to a nominee of the  Depository or by a nominee of the  Depository to
the Depository or another nominee of the Depository) may be registered except in
limited circumstances.

         Unless  this   Preferred   Security  is  presented  by  an   authorized
representative  of The Depository  Trust Company (55 Water Street,  New York) to
Hartford  Capital III or its agent for  registration  of  transfer,  exchange or
payment,  and any Preferred  Security issued is registered in the name of Cede &
Co. or such other  name as  requested  by an  authorized  representative  of The
Depository  Trust  Company  and any  payment  hereon is made to Cede & Co.,  any
transfer,  pledge or other use  hereof  for  value or  otherwise  by a person is
wrongful  inasmuch as the registered  owner hereof,  Cede & Co., has an interest
herein.

Certificate Number                           Number of Preferred Securities
P-1                                          16,000,000
                                             CUSIP NO. 41631P 20 4

                   Certificate Evidencing Preferred Securities
                                       of
                              Hartford Capital III
                  7.45% Trust Originated Preferred Securities,
                                    Series C
                 (liquidation amount $25 per Preferred Security)

         Hartford Capital III, a statutory  business trust formed under the laws
of the State of Delaware (the  "Trust"),  hereby  certifies that Cede & Co. (the
"Holder") is the  registered  owner of SIXTEEN  MILLION  (16,000,000)  preferred
securities of the Trust  representing  an undivided  beneficial  interest in the
assets  of the  Trust and  designated  the  Hartford  Capital  III  7.45%  Trust
Originated Preferred Securities,  Series C (liquidation amount $25 per Preferred
Security)   (the   "Preferred   Securities").   The  Preferred   Securities  are
transferable  on the  books and  records  of the  Trust,  in person or by a duly
authorized  attorney,  upon surrender of this  certificate  duly endorsed and in
proper form for transfer as provided in Section 5.4 of the Trust  Agreement  (as
defined below). The designations, rights, privileges, restrictions,  preferences
and other terms and provisions of the Preferred Securities are set forth in, and
this certificate and the Preferred Securities  represented hereby are issued and
shall in all respects be subject to the terms and provisions of, the Amended and
Restated Trust  Agreement of the Trust dated as of October 26, 2001, as the same
may be  amended  from  time  to  time  (the  "Trust  Agreement")  including  the




designation  of the terms of  Preferred  Securities  as set forth  therein.  The
Holder is entitled to the benefits of the  Guarantee  Agreement  entered into by
The  Hartford  Financial  Services  Group,  Inc.,  a Delaware  corporation,  and
Wilmington Trust Company, as guarantee trustee, dated as of October 26, 2001, as
the same may be  amended  from time to time  (the  "Guarantee"),  to the  extent
provided  therein.  The Trust will furnish a copy of the Trust Agreement and the
Guarantee to the Holder without charge upon written  request to the Trust at its
principal place of business.

         Upon  receipt  of this  certificate,  the  Holder is bound by the Trust
Agreement and is entitled to the benefits thereunder.







         IN WITNESS WHEREOF, one of the Administrative Trustees of the Trust has
executed this certificate this ___________ day of October 2001.
                                                  ------------

                                                     HARTFORD CAPITAL III


                                                     By: /s/ DAVID M. JOHNSON
                                                        ----------------------
                                                     Name: David M. Johnson
                                                     Administrative Trustee




                                   ASSIGNMENT

         FOR  VALUE  RECEIVED,   the  undersigned  assigns  and  transfers  this
Preferred Security to:



(Insert assignee's social security or tax identification number)


(Insert address and zip code of assignee)

and irrevocably appoints


agent to transfer  this  Preferred  Securities  Certificate  on the books of the
Trust. The agent may substitute another to act for him or her.


Date:_____________


Signature:___________________________
(Sign exactly as your name appears on the other side of this Preferred
 Securities Certificate)