CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We consent to the incorporation by reference in this Post-Effective Amendment
No. 2 to Registration Statement No. 333-110655 on Form S-2 of our report
dated February 24, 2005 (which report expresses an unqualified opinion and
includes an explanatory paragraph relating to the Company's change in its
method of accounting for certain nontraditional long-duration contracts and
for separate accounts in 2004), relating to the consolidated financial
statements and financial statement schedules of Hartford Life Insurance
Company, included in the Annual Report on Form 10-K of Hartford Life
Insurance Company for the year ended December 31, 2004, and to the use of our
report dated February 24, 2005, relating to the financial statements of
Hartford Life Insurance Company appearing in the Prospectus, which is part of
this Registration Statement.  We also consent to the reference to us under
the heading "Experts" in such Prospectus.

/s/ Deloitte & Touche LLP
Hartford, Connecticut
April 4, 2005