UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

      Date of Report (Date of earliest event reported): SEPTEMBER 30, 2004


                         HARTFORD LIFE INSURANCE COMPANY
             (Exact name of registrant as specified in its charter)




                                                                                     
        CONNECTICUT                                           2-46577                          06-0974148
(State or other jurisdiction                         (Commission File Number)                (IRS Employer
     of incorporation)                                                                     Identification No.)



                              200 HOPMEADOW STREET
                           SIMSBURY, CONNECTICUT 06089
                    (Address of principal executive offices)
                                   (Zip Code)


       Registrant's telephone number, including area code: (860) 547-5000

                    ----------------------------------------

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:


|_| Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)


|_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)


|_| Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))


|_| Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))





ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS

      The following documents are filed with reference to and are hereby
incorporated by reference into the Registration Statement on Form S-3 (File No.
333-112244, as amended), of Hartford Life Insurance Company, filed with the
Securities and Exchange Commission on January 27, 2004 and amended on March 16,
2004, May 4, 2004, and July 27, 2004.

(c)      Exhibits




                 
  EXHIBIT NUMBER                DESCRIPTION
  --------------                -----------
Exhibit 5.1         Opinion of Sidley Austin Brown & Wood LLP.
Exhibit 5.2         Opinion of Counsel of Hartford Life Insurance Company.
Exhibit 8           Opinion of Sidley Austin Brown & Wood LLP.
Consent 23.1        Consent of Sidley Austin Brown & Wood LLP (included in Exhibit 5.1 and Exhibit 8).
Consent 23.2        Consent of Counsel of Hartford Life Insurance Company (included in Exhibit 5.2).






                                   SIGNATURES

      PURSUANT TO THE REQUIREMENTS OF THE SECURITIES EXCHANGE ACT OF 1934, THE
REGISTRANT HAS DULY CAUSED THIS REPORT TO BE SIGNED ON ITS BEHALF BY THE
UNDERSIGNED HEREUNTO DULY AUTHORIZED.


                                      HARTFORD LIFE INSURANCE COMPANY
                                      (REGISTRANT)

DATE:  SEPTEMBER 30, 2004             BY:  /S/ KEN A. MCCULLUM
                                      -------------------------
                                      Name:  Ken A. McCullum
                                      Title: Vice President


                                  EXHIBIT INDEX




                 
  EXHIBIT NUMBER                   DESCRIPTION
  --------------                   -----------
Exhibit 5.1         Opinion of Sidley Austin Brown & Wood LLP.
Exhibit 5.2         Opinion of Counsel of Hartford Life Insurance Company.
Exhibit 8           Opinion of Sidley Austin Brown & Wood LLP.
Consent 23.1        Consent of Sidley Austin Brown & Wood LLP (included in Exhibit 5.1 and Exhibit 8).
Consent 23.2        Consent of Counsel of Hartford Life Insurance Company (included in Exhibit 5.2).