Ownership Submission
FORM 5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Form 3 Holdings Reported
Form 4 Transactions Reported
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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1. Name and Address of Reporting Person *
AYER RAMANI
 2. Issuer Name and Ticker or Trading Symbol
HARTFORD FINANCIAL SERVICES GROUP INC/DE [HIG] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
__X__ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Chairman and CEO
(Last)
(First)
(Middle)

THE HARTFORD FINANCIAL SERVICES GROUP -, ONE HARTFORD PLAZA		 3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2007
(Street)


HARTFORD, CT 06155		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Reporting
(check applicable line)

_X_ Form Filed by One Reporting Person
___ Form Filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned at end of Issuer's Fiscal Year
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Amount (A) or (D) Price
Restricted Stock Units             73,689.644 D  
Restricted Stock             27,733 D  
Common Stock             16,900 I (1) By Limited Liability Company
Common Stock             126,300 I (2) By Trust
Common Stock 02/28/2007   G 10,600 D $ 94.56 91,301 D  

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number. SEC 2270 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned at End of Issuer's Fiscal Year
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
(A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Option $ 34             (3) 02/18/2010 Common Stock
268,294
  268,294
I (2)
By Trust
Stock Option $ 34             (3) 02/18/2010 Common Stock
100,203
  100,203
D
 
Stock Option $ 62.07             (4) 02/21/2011 Common Stock
222,046
  222,046
D
 
Stock Option $ 65.85             (5) 02/23/2012 Common Stock
201,556
  201,556
D
 
Stock Option $ 37.37             (6) 02/22/2013 Common Stock
171,465
  171,465
D
 
Stock Option $ 65.99             (7) 02/20/2014 Common Stock
96,723
  96,723
D
 
Stock Option $ 71.27             (8) 02/19/2015 Common Stock
79,454
  79,454
D
 
Stock Option $ 83             (9) 02/15/2016 Common Stock
71,750
  71,750
D
 
Stock Option $ 93.69             (10) 02/27/2017 Common Stock
61,313
  61,313
D
 

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
AYER RAMANI
THE HARTFORD FINANCIAL SERVICES GROUP -
ONE HARTFORD PLAZA
HARTFORD, CT 06155		   X     Chairman and CEO  

Signatures

/s/ Terence D. Shields, POA for Ramani Ayer by Power of Attorney of Ramani Ayer dated July 26, 2007. 02/14/2008
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Shares of common stock held by a Limited Liability Company of which Mr. Ayer and his spouse are the co-managing and sole members.
(2) Shares held by a Grantor Retained Annuity Trust of which Mr. Ayer is the trustee.
(3) The option became fully exercisable as of April 11, 2000, following the achievement of the following criteria: the closing price of the Issuer's Common stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(4) The option became fully exercisable as of July 27, 2005, following the achievement of the following criteria: the closing price of the Issuer's Common stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(5) The option became fully exercisable as of November 17, 2005, following the achievement of the following criteria: the closing price of the Issuer's Common stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(6) The option became fully exercisable as of June 18, 2003, following the achievement of the following criteria: the closing price of the Issuer's Common stock on the New York Stock Exchange reached 125% of the grant price for at least 10 consecutive trading days.
(7) The option became fully exercisable as of February 18, 2007, the third anniversary of the grant date.
(8) The option becomes fully exercisable upon the later of: (i) the closing price of the Issuer's Common Stock on the New York Stock Exchange reaches 125% of the grant price for at least 10 consecutive trading days or (ii) February 17, 2008, three years from the grant date. The closing price condition to vesting was met on May 16, 2006.
(9) The option becomes fully exercisable upon the later of: (i) the closing price of the Issuer's Common Stock on the New York Stock Exchange reaches 125% of the grant price for at least 10 consecutive trading days or (ii) February 15, 2009, three years from the grant date. The closing price condition to vesting was met on May 18, 2007.
(10) The option becomes fully exercisable upon the later of: (i) the closing price of the Issuer's Common Stock on the New York Stock Exchange reaches 125% of the grant price for at least 10 consecutive trading days or (ii) February 27, 2010, three years from the grant date.

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