Products & Services · 1st Year
Group Insurance Policy — 1st Year
The Hartford Financial Services Group Group Insurance Policy — 1st Year increased by 1.2% to 76.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 1.2%, from 75.8% to 76.7%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityModerate
First reportedQ4 2020
Last reportedQ4 2025
How to read this metric
High first-year losses may indicate poor underwriting quality or adverse selection in new business.
Detailed definition
Refers to the performance or claims experience specifically for the first year of an insurance policy's lifecycle. This...
Peer comparison
Commonly used in group benefits and life insurance to assess the quality of new business acquisition.
Metric ID:
hig_segment_group_insurance_policy_1st_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 75.4% | 74.6% | 75.1% | 75.8% | 76.7% |
| QoQ Change | — | -1.1% | +0.7% | +0.9% | +1.2% |
| YoY Change | — | -1.1% | +0.7% | +0.9% | +1.2% |
Range74.6% – 76.7%
CAGR+1.7%
Avg YoY Growth+0.4%
Median YoY Growth+0.8%
Current Streak3 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's group insurance policy — 1st year?
- The Hartford Financial Services Group (HIG) reported group insurance policy — 1st year of 76.7% in Q4 2025.
- How has The Hartford Financial Services Group's group insurance policy — 1st year changed year-over-year?
- The Hartford Financial Services Group's group insurance policy — 1st year increased by 1.2% year-over-year, from 75.8% to 76.7%.
- What does group insurance policy — 1st year mean?
- The claims and financial performance metrics for the first year of a policy.