Also the consumer is burdened with the higher cost of living and is left with less income to pay for insurance premiums. A higher inflation rate in the future could coincide with business or macro economic conditions that would result in Hartford's operating margin to drop below our current expectations. Hartford Financial ( HIG ) is one of the largest providers of investment products, individual life, group life and group disability insurance products, as well as property and casualty insurance products in the U.S.