The Hartford 2015 Annual Report Download - page 34

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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. 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 following discussion and in Part I, Item 1A, Risk Factors. The Hartford
undertakes no obligation to publicly update any forward-looking statements, whether as a result of new information, future
developments or otherwise.
The Hartford defines increases or decreases greater than or equal to 200% as “NM” or not meaningful.
INDEX
Description Page
The Hartford's Operations
Consolidated Results of Operations
Investment Results
Critical Accounting Estimates
Key Performance Measures and Ratios
Commercial Lines
Personal Lines
Property & Casualty Other Operations
Group Benefits
Mutual Funds
Talcott Resolution
Corporate
Enterprise Risk Management
Capital Resources and Liquidity
Impact of New Accounting Standards
35
37
39
43
68
73
76
80
81
83
85
87
88
116
126