Company: HIG-PG
Filing Date: 2025-07-28
Form Type: 10-Q
Source: 0000874766-25-000084
Chunk: 44

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-07-28
Form: 10-Q
Item: Item 2
Chunk 44
---
%

[1]For discussion of consolidated investment results, see MD&A - Investment Results.

[2]For discussion of income taxes, see Note 12 - Income Taxes of Notes to Condensed Consolidated Financial Statements.

Premiums and Other ConsiderationsThree Months Ended June 30,Six Months Ended June 30,20252024Change20252024ChangeFully insured – ongoing premiums$1,602 $1,607 — %$3,214 $3,192 1 %Buyout premiums4 1 NM4 1 NMFee income57 57 — %113 111 2 %Total premiums and other considerations$1,663 $1,665 — %$3,331 $3,304 1 %Fully insured ongoing sales$107 $101 6 %$488 $545 (10)%

Ratios, Excluding BuyoutsThree Months Ended June 30,Six Months Ended June 30,20252024Change20252024ChangeGroup disability loss ratio68.5 %67.1 %1.468.8 %68.6 %0.2Group life loss ratio74.3 %74.9 %(0.6)77.1 %78.7 %(1.6)Total loss ratio69.1 %68.9 %0.270.5 %71.1 %(0.6)Expense ratio25.7 %24.4 %1.325.5 %24.9 %0.6

MarginThree Months Ended June 30,Six Months Ended June 30,20252024Change20252024ChangeNet income margin8.5 %9.7 %(1.2)8.0 %7.9 %0.1 Adjustments to reconcile net income margin to core earnings margin:Net realized losses, before tax0.8 %0.4 %0.4 0.5 %0.3 %0.2 Income tax benefit(0.1 %)(0.1 %)— (0.1 %)(0.1 %)— Core earnings margin9.2 %10.0 %(0.8)8.4 %8.1 %0.3 

85

Table of ContentsIndex to MD&A Part I - Item