The Hartford 2013 Annual Report Download - page 33
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33
Item 7. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS
(Dollar amounts in millions, except for per share data, unless otherwise stated)
The Hartford provides projections and other forward-looking information in the following discussions, which contain many forward-
looking statements, particularly relating to the Company’s future financial performance. These forward-looking statements are estimates
based on information currently available to the Company, are made pursuant to the safe harbor provisions of the Private Securities
Litigation Reform Act of 1995 and are subject to the cautionary statements set forth on pages 3 and 4 of this Form 10-K and the risk
factors set forth under Item 1A and other similar information contained in this Form 10-K and in other filings made from time to time by
the Company with the SEC. Actual results are likely to differ, and in the past have differed, materially from those forecast by the
Company, depending on the outcome of various factors, including, but not limited to, those set forth in each discussion below and in
Item 1A, Risk Factors. The Company undertakes no obligation to publicly update any forward-looking statements, whether as a result of
new information, future developments or otherwise.
INDEX
Description Page
The Hartford's Operations Overview
Consolidated Results of Operations
Investment Results
Critical Accounting Estimates
Key Performance Measures and Ratios
Group Benefits
Talcott Resolution
Certain reclassifications have been made to prior year financial information presented in Management’s Discussion and Analysis of
Financial Condition and Results of Operations (“MD&A”) to conform to the current year presentation. The Hartford defines increases or
decreases greater than or equal to 200% as “NM” or not meaningful.
34
35
38
42
68
Property & Casualty Commercial 72
Consumer Markets 75
Property & Casualty Other Operations 79
80
Mutual Funds 82
84
Corporate 87
Enterprise Risk Management 89
Capital Resources and Liquidity 121
Impact of New Accounting Standards 132