Products & Services · 3rd Year
Package Business — 3rd Year
The Hartford Financial Services Group Package Business — 3rd Year increased by 2.1% to 9.8% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 2.1%, from 9.6% to 9.8%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Significant deviations in third-year loss development can signal unexpected changes in claim severity or long-term liability trends.
Detailed definition
Refers to the loss experience or premium development for policies in their third year of coverage within the package bus...
Peer comparison
Standard actuarial cohort analysis used across the insurance industry to track policy lifecycle performance.
Metric ID:
hig_segment_package_business_3rd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 10.4% | 10.3% | 10% | 9.6% | 9.8% |
| QoQ Change | — | -1.0% | -2.9% | -4.0% | +2.1% |
| YoY Change | — | -1.0% | -2.9% | -4.0% | +2.1% |
Range9.6% – 10.4%
CAGR-5.8%
Avg YoY Growth-1.4%
Median YoY Growth-1.9%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's package business — 3rd year?
- The Hartford Financial Services Group (HIG) reported package business — 3rd year of 9.8% in Q4 2025.
- How has The Hartford Financial Services Group's package business — 3rd year changed year-over-year?
- The Hartford Financial Services Group's package business — 3rd year increased by 2.1% year-over-year, from 9.6% to 9.8%.
- What does package business — 3rd year mean?
- The financial performance or claims data for policies during their third year of coverage.