Hartford Life 10-K 2001 FY Annual report

EXHIBIT 12

HARTFORD LIFE, INC. AND SUBSIDIARIES

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

(In millions)		2001		2000		1999		1998		1997
	Earnings	$	765	$	788	$	686	$	585	$	480
Add:
Fixed charges
	Interest expense		104		66		67		58		58
	Interest factor attributable to rentals		11		12		11		10		9
Total fixed charges			115		78		78		68		67
	Interest credited to contractholders		1,260		1,124		1,197		1,475		1,180
Total fixed charges including interest
credited to contractholders			1,375		1,202		1,275		1,543		1,247
Earnings, as defined			880		866		764		653		547
Earnings, as defined, including interest
credited to contractholders			2,140		1,990		1,961		2,128		1,727
Fixed charges
	Fixed charges above		115		78		78		68		67
	Dividends on subsidiary preferred stock		–		–		–		–		–
Total fixed charges and preferred dividend
requirements			115		78		78		68		67
Total fixed charges, interest credited to
contractholders and preferred dividend
requirements		$	1,375	$	1,202	$	1,275	$	1,543	$	1,247
Ratios
	Earnings, as defined, to total fixed charges		7.7		11.1		9.8		9.6		8.2
	Earnings, as defined, to total fixed
	charges and preferred dividend requirements		7.7		11.1		9.8		9.6		8.2
	Earnings, as defined, including interest
	credited to contractholders, to total fixed
	charges including interest credited to
	contractholders		1.6		1.7		1.5		1.4		1.4
	Earnings, as defined, including interest
	credited to contractholders, to total fixed
	charges including interest credited to
	contractholders and preferred dividend
	requirements		1.6		1.7		1.5		1.4		1.4