EXHIBIT 23


                             ARTHUR ANDERSEN LLP




                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
                   -----------------------------------------


As independent public accountants, we hereby consent to the use of our reports
(and to all references to our Firm) included in or made a part of this
Registration Statement File No. 33-88786 on Form S-1 for Hartford Life
Insurance Company.


                                                        Arthur Andersen LLP


Hartford, Connecticut
April 6, 1995