EXHIBIT 23.01



INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by  reference  in the  following  registration
statements  of our report  dated  February 19, 2003 (which  report  expresses an
unqualified  opinion  and  includes  an  explanatory  paragraph  relating to the
Company's   changes  in  its  method  of   accounting   for  [a]   goodwill  and
indefinite-lived  intangible  assets  in  2002  [b]  accounting  for  derivative
instruments  and hedging  activities in 2001 and [c] the recognition of interest
income and impairment on purchased retained beneficial  interests in securitized
financial  assets in 2001),  appearing in this Annual Report on Form 10-K of The
Hartford Financial Services Group, Inc. for the year ended December 31, 2002.

          Form S-3 Registration Nos.               Form S-8 Registration Nos.
          -----------------------------            -----------------------------
          333-12617                                33-80663
          333-49666                                33-80665
          333-88762                                333-12563
                                                   333-49170
                                                   333-34092



Deloitte & Touche LLP
Hartford, Connecticut
February 28, 2003