Products & Services · 4th Year
Package Business — 4th Year
The Hartford Financial Services Group Package Business — 4th Year remained flat by 0.0% to 9.3% in Q4 2025 compared to the prior quarter. Year-over-year, this metric was flat by 0.0%, from 9.3% to 9.3%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Consistent performance in the fourth year indicates stable long-term risk management and effective reserve adequacy.
Detailed definition
Refers to the loss experience or premium development for policies in their fourth year of coverage within the package bu...
Peer comparison
Standard actuarial cohort analysis used across the insurance industry to track policy lifecycle performance.
Metric ID:
hig_segment_package_business_4th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 8.6% | 9.2% | 9.1% | 9.3% | 9.3% |
| QoQ Change | — | +7.0% | -1.1% | +2.2% | +0.0% |
| YoY Change | — | +7.0% | -1.1% | +2.2% | +0.0% |
Range8.6% – 9.3%
CAGR+8.1%
Avg YoY Growth+2.0%
Median YoY Growth+1.1%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's package business — 4th year?
- The Hartford Financial Services Group (HIG) reported package business — 4th year of 9.3% in Q4 2025.
- How has The Hartford Financial Services Group's package business — 4th year changed year-over-year?
- The Hartford Financial Services Group's package business — 4th year decreased by 0.0% year-over-year, from 9.3% to 9.3%.
- What does package business — 4th year mean?
- The financial performance or claims data for policies during their fourth year of coverage.