August 14, 2009

Hartford Life Insurance Company
200 Hopmeadow Street
Simsbury, CT 06089

We have reviewed, in accordance with the standards of the Public Company
Accounting Oversight Board (United States), the unaudited interim financial
information of The Hartford Life Insurance Company and subsidiaries (the
"Company") for the periods ended June 30, 2009 and 2008, and have issued our
report dated July 29, 2009. As indicated in such report, because we did not
perform an audit, we expressed no opinion on that information.

We are aware that our report referred to above, which was included in the
Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2009, is
being incorporated by reference in this Registration Statement.

We also are aware that the aforementioned report, pursuant to Rule 436(c) under
the Securities Act of 1933, is not considered a part of the Registration
Statement prepared or certified by an accountant or a report prepared or
certified by an accountant within the meaning of Sections 7 and 11 of that Act.

/s/ DELOITTE & TOUCHE LLP
Hartford, Connecticut