Products & Services · 4th Year
Group Insurance Policy — 4th Year
The Hartford Financial Services Group Group Insurance Policy — 4th Year decreased by 1.3% to 7.9% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 1.3%, from 8.0% to 7.9%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2020
Last reportedQ4 2025
How to read this metric
Higher values relative to initial estimates suggest under-reserving, while lower values suggest conservative reserving.
Detailed definition
Measures the cumulative loss experience for group insurance policies at the four-year maturity point. It provides insigh...
Peer comparison
Standard actuarial maturity metric used across the insurance industry to validate reserve adequacy.
Metric ID:
hig_segment_group_insurance_policy_4th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 8.5% | 8.4% | 8.2% | 8% | 7.9% |
| QoQ Change | — | -1.2% | -2.4% | -2.4% | -1.3% |
| YoY Change | — | -1.2% | -2.4% | -2.4% | -1.3% |
Range7.9% – 8.5%
CAGR-7.1%
Avg YoY Growth-1.8%
Median YoY Growth-1.8%
Current Streak4+ quarters decline
Similar Metrics at Other Companies
Frequently Asked Questions
- What is The Hartford Financial Services Group's group insurance policy — 4th year?
- The Hartford Financial Services Group (HIG) reported group insurance policy — 4th year of 7.9% in Q4 2025.
- How has The Hartford Financial Services Group's group insurance policy — 4th year changed year-over-year?
- The Hartford Financial Services Group's group insurance policy — 4th year decreased by 1.3% year-over-year, from 8.0% to 7.9%.
- What does group insurance policy — 4th year mean?
- The total claims paid and reserved for group insurance policies four years after the policy year.