What does group insurance policy — 8th year mean?

Measures the cumulative loss experience for group insurance policies at the eight-year maturity point. It helps in evaluating the long-term profitability and reserve accuracy of legacy policy cohorts.

The Hartford Financial Services Group HIG Group Insurance Policy — 8th Year

Other product segments

General Liability

7.8%+32.2%

Surety Product Line

-2.8%+64.1%

Professional liability

2.5%-26.5%

Workers' Compensation

2.1%0.0%

Automobiles

1.7%+21.4%

Package Business

1.7%-19.0%

Property Insurance

0.3%0.0%

Assumed Reinsurance

-0.2%-125%

Marine

0%-100%

Similar metrics at other companies

METGroup Life - Term — Short-duration Insurance Contracts, Historical Claims Duration, Year Eight

0.1%0.0pp

EGProperty Insurance — Year eight

1.8%-0.2pp

HMNGroup Disability — Year Eight

2.2%0.0pp

AXSInsurance — Year 8

6.8%—

ACGLThird party occurrence business — Year Eight

5%-0.5pp

FRHCLife Insurance — 8

0%—

Other financials

Income statement

See full

Revenue$7.2B+6.1%

Net income$856.0M+35.9%

EPS (diluted)$3.04+41.4%

Balance sheet

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Cash & equivalents$166.0M+20.3%

Total debt$4.4B+0.1%

Total equity$18.9B+12.1%

Total assets$86.3B+4.9%

Cash flow

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Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

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Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

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Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

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Return on equity22.7%+4.2pp

Debt / equity0.2×0.0×

Where this comes from

Reported directly by The Hartford Financial Services Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Hartford Financial Services Group's group insurance policy — 8th year?: The Hartford Financial Services Group (HIG) reported group insurance policy — 8th year of 3.8% in Q4 2025.
How has The Hartford Financial Services Group's group insurance policy — 8th year changed year-over-year?: The Hartford Financial Services Group's group insurance policy — 8th year decreased by 0.0% year-over-year, from 3.8% to 3.8%.
What does group insurance policy — 8th year mean?: Measures the cumulative loss experience for group insurance policies at the eight-year maturity point. It helps in evaluating the long-term profitability and reserve accuracy of legacy policy cohorts.