Exhibit 12.01

HARTFORD LIFE INSURANCE CO.

COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES AND EARNINGS
TO COMBINED FIXED CHARGES AND PREFERRED STOCK DIVIDENDS

	YTD		YTD		YTD		YTD		YTD
(In millions)	12/31/07		12/31/06		12/31/05		12/31/04		12/31/03
Earnings		908		834		1,116		1,012		794
Add:
Fixed charges
Interest expense		—		—		—		—		—
Interest factor attributable to rentals		2		4		5		6		6
Total fixed charges		2		4		5		6		6
Interest credited to contractholders		1,924		1,706		1,679		1,658		1,055
Total fixed charges including interest credited to contractholders		1,926		1,710		1,684		1,664		1,061
Earnings, as defined		910		838		1,121		1,018		800
Earnings, as defined, including interest credited to contractholders		2,834		2,544		2,800		2,676		1,855
Fixed charges
Fixed charges above		2		4		5		6		6
Dividends on subsidiary preferred stock		—		—		—		—		—
Total fixed charges and preferred dividend requirements		2		4		5		6		6
Total fixed charges, interest credited to contractholders and preferred dividend requirements		1,926		1,710		1,684		1,664		1,061
Ratios
Earnings, as defined, to total fixed charges		455.0		209.5		224.2		169.7		133.3
Earnings, as defined, to total fixed charges and preferred dividend requirements		455.0		209.5		224.2		169.7		133.3
Earnings, as defined, including interest credited to contractholders, to total fixed charges including interest credited to contractholders		1.5		1.5		1.7		1.6		1.7
Earnings, as defined, including interest credited to contractholders, to total fixed charges including interest credited to contractholders and preferred dividend requirements		1.5		1.5		1.7		1.6		1.7