HIG 101 3Q23

WE ARE

THE HARTFORD

A Leading Provider of Property and Casualty Insurance, Group Benefits and Mutual Funds

The Hartford Financial

Services Group, Inc.

Investor Presentation

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SAFE HARBOR STATEMENT

Certain statements made in this presentation should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about The Hartford's future results of operations. We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should consider the important risks and uncertainties that may cause actual results to differ, including those discussed in The Hartford's news release issued on October 26, 2023, The Hartford's Quarterly Reports on Form 10-Q, The Hartford's 2022 Annual Report on Form 10-K, and other filings we make with the U.S. Securities and Exchange Commission. We assume no obligation to update this presentation, which speaks as of today's date.

The discussion in this presentation of The Hartford's financial performance includes financial measures that are not derived from generally accepted accounting principles (GAAP). Information regarding these non-GAAP financial measures, including reconciliations to the most directly comparable GAAP financial measures, is provided in the appendix to this presentation, the news release issued on October 26, 2023 and The Hartford's Investor Financial Supplement for third quarter 2023 which is available at the Investor Relations section of The Hartford's website at https://ir.thehartford.com.

From time to time, The Hartford may use its website and/or social media outlets, such as X (formerly known as Twitter) and Facebook, to disseminate material company information. Financial and other important information regarding The Hartford is routinely accessible through and posted on our website at https://ir.thehartford.com. In addition, you may automatically receive email alerts and other information about The Hartford when you enroll your email address by visiting the "Email Alerts" section at https://ir.thehartford.com.

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AN UNWAVERING RESOLVE

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THE HARTFORD

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DIVERSIFIED INSURANCE BUSINESSES

Provide a strong and balanced platform

Group Benefits

1. Revenue contribution is for the trailing 12-months, excluding the Corporate segment, for the period ended September 30, 2023
2. Compound Annual Growth Rate

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COMMERCIAL LINES, GROUP BENEFITS & PERSONAL LINES

Continuously investing and improving

Commercial Lines

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FINANCIAL SNAPSHOT

Solid franchise creating meaningful returns

Book Value Per Diluted Share (BVPS)

(excluding AOCI)2,3,4

1. Core Earnings ROE based on trailing 12-month average common equity, ex. AOCI and trailing 12-month core earnings
2. Denotes financial measure not calculated based on GAAP
3. Accumulated Other Comprehensive Income
4. 2020 values do not reflect the adoption of updated FASB guidance on accounting for long duration insurance contracts; however, the impact of such guidance on Company results for the other periods shown is immaterial

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FINANCIAL SNAPSHOT

Solid franchise creating meaningful returns

1. Denotes financial measure not calculated based on GAAP
2. 2020 values do not reflect the adoption of updated FASB guidance on accounting for long duration insurance contracts; however, the impact of such guidance on Company results for the other periods shown is immaterial
3. Beginning in 2023, due to decreasing impacts of the pandemic, the Company no longer discloses results excluding pandemic-related impacts

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