RESTATED CERTIFICATE OF INCORPORATION

                         HARTFORD LIFE INSURANCE COMPANY

          This Restated Certificate of Incorporation gives effect to the
amendment of the Certificate of Incorporation of the corporation and otherwise
purports merely to restate all those provisions already in effect.  This
Restated Certificate of Incorporation has been adopted by the Board of Directors
and by the sole shareholder.

          Section 1.  The name of the corporation is Hartford Life Insurance
          Company and it shall have all the powers granted by the general
          statutes, as now enacted or hereinafter amended to corporations formed
          under the Stock Corporation Act.

          Section 2.  The corporation shall have the purposes and powers to
          write any and all forms of insurance which any other corporation now
          or hereafter chartered by Connecticut and empowered to do an
          insurance business may now or hereafter may lawfully do; to accept and
          to cede reinsurance;  to issue policies and contracts for any kind or
          combinations of kinds of insurance; to issue policies or contracts
          either with or without participation in profits; to acquire and hold
          any or all of the shares or other securities of any insurance
          corporation; and to engage in any lawful act or activity for which
          corporations may be formed under the Stock Corporation Act.  The
          corporation is authorized to exercise the powers herein granted in any
          state, territory or jurisdiction of the United States or in any
          foreign country.

          Section 3.  The capital with which the corporation shall commence
          business shall be an amount not less than one thousand dollars.  The
          authorized capital shall be two million five hundred thousand dollars
          divided into one thousand shares of common capital stock with a par
          value of twenty-five hundred dollars each.

          We hereby declare, under the penalties of false statement that the
statements made in the foregoing Certificate are true.



Dated:  February 10, 1982                        HARTFORD LIFE INSURANCE COMPANY



                                                 By /s/ Robert
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Attest:

/s/ William A. McMahon
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