EXHIBIT 4.20 AMENDED AND RESTATED TRUST AGREEMENT Among THE HARTFORD FINANCIAL SERVICES GROUP, INC., as Depositor, Wilmington Trust Company, as Property Trustee and Delaware Trustee, And THE ADMINISTRATIVE TRUSTEES NAMED HEREIN Dated as of -, 200-...

                                                                    EXHIBIT 4.20




                              AMENDED AND RESTATED
                                 TRUST AGREEMENT
                                      Among
           THE HARTFORD FINANCIAL SERVICES GROUP, INC., as Depositor,
                  Wilmington Trust Company, as Property Trustee
                              and Delaware Trustee,
                                       And
                    THE ADMINISTRATIVE TRUSTEES NAMED HEREIN
                               Dated as of -, 200-
                               HARTFORD CAPITAL VI

                               Hartford Capital VI

              Certain Sections of this Trust Agreement relating to

                         Sections 310 through 318 of the

                          Trust Indenture Act of 1939:



                   Trust Indenture                                        Trust Agreement
                     Act Section                                              Section

                                                                                  
(S)310         (a)(1)................................................................   8.7
               (a)(2)................................................................   8.7
               (a)(3)................................................................   8.9
               (a)(4)................................................................   2.7(a)(ii)
               (b)...................................................................   8.8
(S)311         (a)...................................................................   8.13
               (b)...................................................................   8.13
(S)312         (a)...................................................................   5.7
               (b)...................................................................   5.7
               (c)...................................................................   5.7
(S)313         (a)...................................................................   8.14(a)
               (a)(4)................................................................   8.14(b)
               (b)...................................................................   8.14(b)
               (c)...................................................................   10.8
               (d)...................................................................   8.14(c)
(S)314         (a)...................................................................   8.15
               (b)...................................................................   Not Applicable
               (c)(1)................................................................   8.16
               (c)(2)................................................................   8.16
               (c)(3)................................................................   Not Applicable
               (d)...................................................................   Not Applicable
               (e)...................................................................   1.1, 8.16
(S)315         (a)...................................................................   8.1(a), 8.3(a)
               (b)...................................................................   8.2, 10.8
               (c)...................................................................   8.1(a)
               (d)...................................................................   8.1, 8.3
               (e)...................................................................   Not Applicable
(S)316         (a)...................................................................   Not Applicable
               (a)(1)(A).............................................................   Not Applicable
               (a)(1)(B).............................................................   Not Applicable
               (a)(2)................................................................   Not Applicable
               (b)...................................................................   Not Applicable