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Welcome to The Hartford’s mobile app for auto, home, business insurance and employee benefits.

­­­⁠Our app makes it easier than ever to take control of your insurance journey, right from your phone.


TrueLane® is a free smartphone app available to auto insurance policyholders from The Hartford in select states who are enrolled in the TrueLane program. The app uses the sensors in your phone to auto

Now there's a simple, elegant and customizable way to get all of the Hartford Courant's exclusive, premium storytelling on your iPhone and iPad.

FEATURES:

• Stay informed with Connecticut's best sou

Building resilience in communities, empowering personal and business success for customers, and creating a culture where employees can thrive.

Underwriting Human Achievement

Creating a sustainable DEI culture through accountability measures, addressing unconscious bias in talent management systems, and ensuring all employees feel valued regardless of background.

Diversity & Inclusion

Aligning company mission with providing exceptional service and support that helps customers pursue their unique ambitions and overcome challenges.

Customer-Centricity

Honoring commitments to policyholders with the same unwavering dedication demonstrated when the company used personal wealth to pay claims after the 1835 New York fire.

Integrity & Trust

Investing in technology, AI, and digital capabilities to enhance underwriting, claims processing, and customer experience while adapting to evolving market needs.

Innovation & Adaptability

Offering a performance-enabling and inclusive, flexible environment with on-site, remote, and hybrid options that ensure employees can grow, achieve, and create lasting impact.

Work-Life Balance

The Hartford Financial Services Group, Inc. is a leading American insurance and investment company headquartered in Hartford, Connecticut. As a Fortune 500 company ranked 162nd with $26.5 billion in annual revenue, The Hartford is the 13th-largest property and casualty insurance company in the United States, serving millions of customers through property and casualty insurance, group benefits, and mutual funds.

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Christopher J. Swift

Chairman & Chief Executive Officer

Beth Costello

Chief Financial Officer

Shekar Pannala

Chief Information Officer

Jeffery Hawkins

Chief Data, AI and Operations Officer

Robert Paiano

Executive Vice President & Chief Risk Officer

Amy Stepnowski

Chief Investment Officer & Executive Vice President

H. Clay Bassett

Chief Underwriting Officer & Head of Reinsurance

Comprehensive auto insurance coverage for individuals and families, including specialized policies for classic cars, RVs, ATVs, boats, golf carts, and snowmobiles. Exclusive provider for AARP members with tailored benefits and discounts.

Personal Auto Insurance

Complete home insurance protection including homeowners, condo, and renters policies. Provides coverage for property damage, liability, and personal belongings with customizable options to meet diverse customer needs.

Homeowners Insurance

Sophisticated business insurance solutions for small and large companies across industries including construction, education, energy, healthcare, manufacturing, professional services, retail, and technology. Includes property, liability, workers' compensation, and specialized coverages.

Commercial Property & Casualty Insurance

Comprehensive employee benefits programs including group life insurance, disability coverage, accident insurance, critical illness, and voluntary benefits. Serves businesses and organizations throughout the United States and select international markets.

Group Benefits

Specialty insurance products across 22 vertical markets including marine, energy, aviation, construction, healthcare, professional liability, and other specialized industry segments. Provides coverage in the US, UK, Continental Europe, and Asia.

Specialty Insurance (via Navigators)

Investment products and mutual funds designed to help individuals plan for retirement and achieve long-term financial goals. Offers diversified investment options managed by experienced portfolio managers.

Mutual Funds

Exclusive auto and home insurance program tailored specifically for AARP members age 50 and older. Features specialized benefits, discounts, and customer service designed for the unique needs of mature drivers and homeowners.

AARP Program from The Hartford

The Hartford reported record Q3 2025 net income of $1.1 billion ($3.77 per diluted share), a 41% increase from Q3 2024. Core earnings reached a record $1.1 billion ($3.78 per share), up 43%. Property Casualty written premiums increased 7%, driven by 9% Business Insurance premium growth. Core earnings ROE for trailing 12 months reached 18.4%.

The Hartford Announces Record Third Quarter 2025 Earnings

Second quarter 2025 net income was $990 million ($3.44 per diluted share), a 35% increase from Q2 2024. Core earnings of $981 million ($3.41 per share) increased 31% from the prior year. The strong results reflect continued momentum across property and casualty operations and group benefits.

The Hartford Announces Second Quarter 2025 Results with Strong Growth

The Hartford announced expanded roles for two key executives: Shekar Pannala was elevated to Chief Information Officer, and Jeffery Hawkins was appointed Chief Data, AI and Operations Officer. Both appointments support the company's technology modernization strategy, cloud transformation, and AI capabilities to enhance underwriting and customer experience.

The Hartford Expands Roles For Two Key Technology Executives

The Hartford reported full-year 2024 revenue of $26.38 billion, up from $24.33 billion in 2023. Fourth quarter net income was $848 million ($2.88 per share), an 11% increase. Full-year 2024 core earnings ROE reached 16.7%. The company also announced a 15% increase in its quarterly common dividend per share.

The Hartford Announces Outstanding Full Year 2024 Financial Results

The Hartford reported strong Q2 2024 financial performance with continued growth in written premiums and solid underwriting margins. The results demonstrated the company's disciplined underwriting approach and successful execution of its strategic priorities across property and casualty and group benefits operations.

The Hartford Announces Outstanding Second Quarter 2024 Performance

The Hartford revealed a refreshed brand identity and new logo as part of its ongoing evolution. The rebrand reflects the company's modernization efforts while honoring its 214-year heritage of protecting customers and underwriting human achievement. The new visual identity positions The Hartford for the next chapter of growth.

The Hartford Unveils New Brand Identity and Logo

The Hartford was honored with a prestigious Catalyst Award recognizing the company's deliberate and courageous transformation in achieving gender equity goals with intention and commitment. The award highlights The Hartford's sustainable approach to diversity, equity, and inclusion through accountability measures and systemic changes.

The Hartford Receives Catalyst Award for Gender Equity Achievement

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On June 27, 1810, a group of local merchants gathered in a Hartford inn and founded the Hartford Fire Insurance Company with $15,000 in working capital. Nathaniel Terry was elected first president, and the Connecticut General Assembly awarded a charter to Connecticut's first publicly owned insurance firm.

Company Founded

President Eliphalet Terry raced to New York City after a catastrophic fire destroyed the financial district. He used his personal wealth to cover all of The Hartford's claims while 23 of 26 New York insurers went bankrupt. This act established The Hartford's reputation and helped make Hartford the 'Insurance Capital of the World.'

1835 New York Fire - Defining Moment

The Hartford honored all policyholder claims following the Great Chicago Fire, further cementing its reputation for financial strength and reliability during catastrophic events.

Survived Chicago Fire

The Hartford paid all claims following the devastating San Francisco earthquake and fire, demonstrating consistent commitment to policyholders during major catastrophes and maintaining its industry-leading reputation.

San Francisco Earthquake Response

The company formed Hartford Accident and Indemnity Company to provide a wide variety of insurance coverage including accident, automobile liability, personal damage, and business interruption insurance, significantly expanding its product portfolio.

Formed Hartford Accident and Indemnity

ITT Corporation acquired The Hartford for $1.4 billion, representing the largest corporate takeover in American history at the time. This marked a significant transition in the company's ownership structure.

Acquired by ITT Corporation

The Hartford became the exclusive auto and home insurance provider for AARP members, establishing a partnership that has lasted over 25 years and serves millions of senior Americans with tailored insurance products.

AARP Partnership Begins

The Hartford acquired the Group Benefits Division of CNA Financial, significantly expanding its employee benefits business and strengthening its position in the group insurance market.

Acquired CNA Group Benefits Division

Christopher J. Swift joined The Hartford as Executive Vice President and Chief Financial Officer, beginning a leadership journey that would transform the company over the next decade.

Christopher Swift Joins as CFO

The Hartford announced a strategic decision to focus exclusively on property and casualty insurance, group benefits, and mutual funds, divesting wealth management businesses to sharpen operational focus.

Strategic Refocus Announced

Christopher J. Swift was appointed Chief Executive Officer, beginning his tenure leading The Hartford's transformation into a more focused, disciplined leader in P&C insurance, group benefits, and mutual funds.

Christopher Swift Named CEO

The Hartford purchased Aetna's U.S. group life and disability business, significantly expanding its employee benefits capabilities and market presence in the group insurance sector.

Acquired Aetna Group Benefits Business

The Hartford completed its acquisition of Navigators Group for approximately $2.1 billion on May 23, 2019. This strategic acquisition added specialty products across 22 vertical markets and expanded operations in the UK, Continental Europe, and Asia.

Acquired Navigators Group

The Hartford and AARP agreed to extend their successful auto and home insurance program partnership, continuing to serve millions of AARP members with specialized coverage and benefits.

Extended AARP Partnership

The Hartford reported outstanding full-year 2024 results with revenue of $26.38 billion (up from $24.33 billion in 2023), net income of $3.11 billion (up 24.24%), and core earnings ROE of 16.7%, demonstrating exceptional operational and financial strength.

Record Financial Performance

The official American Express App for iPhone allows you to access your Account from anywhere. Track spending & rewards, find offers, review your balance, pay your bill and enjoy features only availabl

Turn travel dreams into dream vacations by booking through Amex Travel. Whether exploring new places or finding the right hotel, the Amex Travel App can help you get there. 

Book hotels, flights, and

GET A CLEARER PICTURE OF YOUR CASH FLOW 
Designed for small business owners like you, the free American Express Business Blueprint™ app offers a single location to view a current snapshot of your acco

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American Express Company is an American bank holding company and multinational financial services corporation that specializes in payment cards. It is headquartered at 200 Vesey Street, also known as American Express Tower, in the Battery Park City neighborhood of Lower Manhattan. Amex is the fourth-largest card network globally based on purchase volume, behind China UnionPay, Visa, and Mastercard. 141.2 million Amex cards were in force worldwide as of December 31, 2023, with an average annual spend per card member of US$24,059. That year, Amex handled over $1.7 trillion in purchase volume on its network. Amex is the 16th largest US bank, with a total of US$270 billion in assets or 1.1% of all assets insured by the FDIC. It is ranked 58th on the Fortune 500 and 28th on the list of the most valuable brands by Forbes. In 2023, it was ranked 63rd in the Forbes Global 2000. American Express National Bank is a direct bank owned by Amex.

https://en.wikipedia.org/wiki/American_Express

American multinational financial services corporation

American Express Company reported $60.5 billion in revenue for 2024, up 9% year-over-year, driven by strong consumer spending among affluent cardmembers and growing merchant acceptance. Company had 143 million cards in force globally (U.S. 71M, international 72M) with 58 million active cardmember accounts. Average spending per cardmember reached $25,000 annually (vs. Visa/Mastercard average $8,000), reflecting premium customer base skewing toward high-income households ($100K+ annual income representing 60%+ of volumes). Net income $8.4 billion (14% margin). Stock NYSE:AXP traded at $245, market cap $175 billion. However, merchant acceptance remained challenge—AmEx accepted at 99% of U.S. locations where credit cards accepted but lower internationally due to higher merchant fees (2.5-3.5% vs. Visa/Mastercard 1.5-2.5%).

American Express Reports $60.5B Revenue in 2024, 143M Cards in Force Globally

American Express raised Platinum Card annual fee from $550 to $695 in 2024 (sixth increase since 1984 launch at $250), positioning as ultra-premium travel card competing with Chase Sapphire Reserve, Capital One Venture X. Fee increases justified by enhanced benefits: $200 airline fee credit, $200 Uber credit, $200 hotel credit, $189 CLEAR credit, $240 digital entertainment credit (Disney+, Hulu, Peacock, NYT), airport lounge access (Centurion Lounges, Priority Pass), hotel elite status (Marriott Gold, Hilton Gold). Annual benefits totaled $1,000+ value if fully utilized. Despite fee hikes, Platinum Card membership grew 8% to 13M+ cardmembers globally. Affluent consumers viewed card as essential lifestyle accessory, status symbol. Average Platinum cardmember spent $50,000+ annually.

AmEx Platinum Card Annual Fee Rises to $695, Premium Benefits Justify Cost for Affluent

American Express operated 30 Centurion Lounges globally in 2024 (up from 15 in 2020), exclusive airport lounges for Platinum, Centurion (Black Card) cardmembers. Lounges featured chef-curated menus, premium open bars, espresso service, private workspaces, showers, spa treatments—far exceeding typical airline clubs. Locations included major hubs (New York JFK, LAX, London Heathrow, Tokyo Haneda, Hong Kong). However, overcrowding became issue as Platinum membership surged—lounges frequently at capacity, turned away cardmembers during peak hours. AmEx responded by restricting guest access, considering paid entry for lower-tier cards, building larger facilities. Lounges represented $500M+ annual investment but critical differentiation—competitors (Chase, Capital One) building rival lounges.

American Express Centurion Lounges Expand to 30 Airports, Differentiate Premium Experience

American Express Membership Rewards program enrolled 100+ million members globally in 2024, earning points on purchases (1-5x depending on category, card) redeemable for travel, statement credits, gift cards, merchandise. Strategic partnerships with Delta Air Lines (exclusive credit card issuer since 1996), Hilton Hotels (co-brand cards), Marriott Bonvoy strengthened value proposition. Membership Rewards points valued at 1.5-2 cents each when transferred to airline/hotel partners vs. 0.6-1 cent for cash redemption, incentivizing travel spending. Points liability (outstanding unredeemed points) exceeded $20 billion on balance sheet, managed through expiration policies, redemption encouragement. Loyalty program created switching costs—cardmembers with large point balances reluctant to cancel cards despite high fees.

AmEx Membership Rewards: 100M+ Members, Partnerships with Delta, Hilton Drive Loyalty

American Express achieved 99% merchant acceptance rate in U.S. (locations accepting credit cards) in 2024, up from 90% in 2015, closing historical gap with Visa/Mastercard (both 99%+). Acceptance improvements resulted from fee negotiations with large merchants (Costco previously excluded AmEx 2016-2021, now accepts), OptBlue program allowing third-party processors to handle AmEx transactions (reducing merchant integration costs), and consumer demand pressure. However, international acceptance lagged: 85% in Canada/UK, 70% in Europe, 50% in Asia-Pacific. Higher merchant discount rates (2.5-3.5% vs. Visa/Mastercard 1.5-2.5%) deterred small international merchants. Limited acceptance remained competitive disadvantage vs. Visa/Mastercard's near-universal reach.

American Express Merchant Acceptance Reaches 99% in U.S., International Remains Gap

American Express Centurion Card (unofficially 'Black Card') remained most exclusive credit card globally in 2024: invitation-only, $10,000 initiation fee, $5,000 annual fee (plus $5,000 per authorized user). Estimated 100,000-120,000 Centurion cardmembers worldwide (exact number undisclosed). Requirements: spend $250,000+ annually on Platinum Card, receive invitation, demonstrate $1M+ net worth or $500K+ annual income. Benefits: dedicated concierge (24/7 personal assistant booking restaurants, travel, tickets), access to exclusive events, hotel upgrades, airport transfers, no preset spending limit. Card made from anodized titanium (literally heavy metal card). Centurion represented 2-3% of AmEx revenue but outsized brand prestige—ultimate status symbol for ultra-wealthy. Competitors (JP Morgan Palladium, Citi Chairman) struggled to match mystique.

American Express Centurion 'Black Card': $10K Initiation, $5K Annual Fee, Ultra-Exclusive

American Express Dominates Premium Credit Cards with $60B Revenue, Affluent Customer Base, and Closed-Loop Network

TIL con artist Anthony Gignac once convinced American Express to issue him a platinum card with a $200 million credit limit under the name of an actual Saudi prince by claiming that failing to supply him with new card would anger his supposed dad, the king.

Johnson: "Last time I checked, Americans have more freedom right now to express themselves and speak their minds after Republicans took over and ended the years of Americans voices silenced during the lefts cancel culture. it's the Republicans who restored your right to share and speak your mind."

Trump support in 2024 linked to White Americans’ perception of falling to the bottom of the racial hierarchy. These individuals also expressed the strongest opposition to Diversity, Equity, and Inclusion (DEI) initiatives.

Study reveal that 16% of the population expresses discomfort about the prospect of a female president. Furthermore, the result is consistent across demographic groups. These results underscore the continued presence of gender-based biases in American political attitudes.

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Alex Pretti and Renee Nicole Good were Americans with the same right to live and to express their views as Charlie Kirk. Choosing to not condemn the Minneapolis ICE Murders after being outraged by Kirk’s Murder is having no Morals.

Amex canceled my Platinum &amp; Centurion accounts after 28 yrs w/ no explanation

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AMERICAN EXPRESS CO

Henry Wells, William Fargo, John Butterfield merged competing express companies, forming American Express Company in Buffalo, NY on March 18, 1850. Express freight, money, valuables delivery.

When AmEx refused California expansion, Wells and Fargo founded separate Wells Fargo (1852) serving West Coast. American Express remained East/Midwest. Companies coexisted for decades.

American Express dominated express freight industry—shipping cash, gold, securities, documents via stagecoach, rail. Armed guards protected valuables. Premium service for time-sensitive shipments.

Entered financial services—money orders, cash transfers competing with Western Union. Built reputation for secure financial transactions beyond physical freight.

President James C. Fargo commissioned Marcellus Berry to create Traveler's Cheque (launched July 7, 1891) solving international cash access problem. Pre-purchased, dual-signed checks accepted globally. Revolutionary travel finance product.

Traveler's Cheques became most profitable product—generating billions in float (cash held between purchase and redemption). American Express synonymous with international travel.

Sold express delivery operations to Railway Express Agency. Fully transitioned to financial services—Traveler's Cheques, money orders, travel services. End of original freight business.

Introduced American Express Card (green card) in October 1958 responding to Diners Club, BankAmericard. Charge card (full balance due monthly), premium positioning, higher merchant fees, travel focus. Status symbol.

Built global network of travel offices booking flights, hotels, tours. American Express offices in major cities became traveler resources worldwide.

Introduced Gold Card—higher credit limits, travel insurance, emergency services. Created premium tier above Green Card. Annual fee $50 (vs. Green's $20).

Launched Platinum Card with $250 annual fee (unprecedented at time). Targeted ultra-affluent, offered luxury travel benefits, concierge service, airport lounge access. Redefined premium cards.

Introduced Membership Rewards points program—earn points on purchases, redeem for travel, merchandise. Created loyalty, switching costs. Became $20B+ liability on balance sheet.

Debuted invitation-only Centurion Card (Black Card): $10K initiation, $5K annual fee, invitation-only, titanium construction. Ultimate status symbol for ultra-wealthy. Estimated 100K-120K members globally.

Kenneth Chenault became CEO—third Black Fortune 500 CEO. Led through 9/11 (headquarters near WTC), 2008 financial crisis. Grew revenue $23B→$37B, stock +200%. Retired 2018.

During 2008 crisis, American Express obtained bank holding company charter, accessed TARP bailout funds ($3.4B). Allowed direct consumer deposits, expanded banking services. Repaid TARP 2009.

Opened first Centurion Lounge (San Francisco SFO) offering premium airport lounge experience with chef menus, open bars, spa. Expanded to 30+ global locations by 2024.

Costco ended exclusive AmEx partnership (since 1999), switched to Citi/Visa due to lower fees. Lost 10%+ U.S. cardmembers. Returned to Costco acceptance 2021 but without co-brand card.

Kenneth Chenault retired, succeeded by Stephen Squeri (AmEx veteran since 1985). Focused on digital transformation, millennial/Gen Z acquisition, premium positioning.

Pandemic decimated travel spending—AmEx's core market. Revenue declined 17% (2020). Pivoted marketing to everyday spending categories (groceries, gas). Travel recovered 2021-2022.

Generated $60.5B revenue (+9%), 143M cards globally (71M U.S., 72M international), 58M accounts. Average spending $25K per cardmember (vs. Visa/MC $8K). Net income $8.4B (14% margin). Platinum Card 13M+ members ($695 annual fee, sixth increase since 1984 launch). Centurion Lounges 30 airports. Membership Rewards 100M+ members, $20B+ points liability. Merchant acceptance 99% U.S. (85% Canada/UK, 70% Europe, 50% Asia due to higher merchant fees 2.5-3.5% vs. Visa/MC 1.5-2.5%). Stock NYSE:AXP $245, $175B market cap. Closed-loop network (issue, process, recruit merchants). Premium customer base: 60%+ earn $100K+ income. Headquarters New York. Originated as 1850 express delivery company, transformed to global premium card leader.

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