EXHIBIT 23.01





INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by  reference  in the  following  registration
statements  of our report  dated  February 25, 2004 (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]  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, 2003.


Form S-3 Registration No.                             Form S-8 Registration Nos.
-------------------------                             --------------------------
      333-108067                                             333-105707
                                                             333-049170
                                                             333-105706
                                                             333-034092
                                                             033-080665
                                                             333-012563



Deloitte & Touche LLP
Hartford, Connecticut
February 25, 2004