The Hartford Financial Services Group, Inc. (The Hartford) is an insurance and financial services company. It provides investment products, individual life, group life and group disability insurance products, and property and casualty insurance products in the United States. The Hartford is organized into two operations: Life, and Property & Casualty. The Life and Property & Casualty operations conduct business in 11 operating segments. Life is organized into four groups, which comprises six segments. The Retail Products Group (Retail) and Individual Life segments make up the Individual Markets Group. The Retirement Plans and Group Benefits segments make up the Employer Markets Group. The International and Institutional Solutions Group (Institutional) segments each make up their own group. On June 24, 2009, The Hartford completed the acquisition of Federal Trust Corporation.