EXHIBIT 16.1

                                                          [ANDERSEN LOGO]




Office of the Chief Accountant
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549


March 26, 2002


Dear Sir/Madam:

We have read Item 4 included in the Form 8-K dated March 26, 2002 of Hartford
Life, Inc. to be filed with the Securities and Exchange Commission and are in
agreement with the statements contained therein.

Very truly yours,



/s/ Arthur Andersen LLP
______________________________
    Arthur Andersen LLP


cc: David Foy, Chief Financial Officer, Hartford Life, Inc.