The Hartford Financial Services Group Inc., Hartford, Conn., has reported second-quarter net income of $602 million, a 39 percent increase over the $433 million reported for the period last year.

The combined ratio decreased to 87 from 91.4 last year while the catastrophe ratio declined to 1.7 from 2.4.

Personal lines saw earned premium growth of 6 percent to $914 million up from $861 million during the period last year.

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