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                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


To Hartford Life, Inc.:

As independent public accountants, we hereby consent to the incorporation of our
report included in this Form 10-K, into the Company's previously filed
registration statements (i) on Forms S-8 (File Nos. 333-28805 and 333-28807) and
(ii) on Forms S-3 (File Nos. 333-21865 and 333-56283).


                                                         ARTHUR ANDERSEN LLP



Hartford, Connecticut
March 29, 1999