CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We consent to the incorporation by reference in this Post-Effective Amendment
No. 3 to Registration Statement No. 333-85520 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