CHRISTINE HAYER REPASY
SENIOR VICE PRESIDENT AND
GENERAL COUNSEL                                                           [LOGO]
HARTFORD LIFE INSURANCE COMPANIES                                   THE HARTFORD
DIRECT DIAL:  (860) 843-3560
FAX:  (860) 843-8328
INTERNET:  CREPASY@HARTFORDLIFE.COM

September 30, 2004

To:  Board of Directors of Hartford Life Insurance Company

RE:      Enforceability of Funding Agreements Issued to Certain Trusts

Ladies and Gentlemen:

I am the General Counsel to Hartford Life Insurance Company ("Hartford Life"), a
Connecticut life insurance corporation.

I am furnishing this opinion in connection with the issuance by Hartford Life of
the funding agreement listed below (the "Contract") to the trust (the "Trust")
listed below on or about the date of this letter:

   CONTRACT                         CONTRACTHOLDER

   Funding Agreement FA-404004      Hartford Life Global Funding Trust 2004-004


The Trust was established pursuant to the Hartford Life Global Funding note
issuance program (the "Program") described in that certain registration
statement on Form S-3 (File No. 333-112244) filed on January 27, 2004 (the
"Registration Statement") with the Securities and Exchange Commission (the
"SEC") under the Securities Act of 1933, as amended (the "Act"), as amended by
Amendment No. 1 thereto, filed with the SEC on March 16, 2004; by Amendment No.
2 thereto, filed with the SEC on May 4, 2004 and by Amendment No. 3 thereto,
filed with the SEC on July 27, 2004. The Registration Statement describes (i)
the registration and public offering of up to $2 billion, in the aggregate
principal amount of notes (the "Notes") to be issued by a series of trusts and
(ii) the registration of up to $2,000,000,000, or the equivalent amount in one
or more foreign or composite currencies, aggregate principal amount of Hartford
Life's funding agreement (such as the Contract) to be sold to the Trust
described below in connection with the issuance and sale of the Notes.

The Trust is intended to be a trust described in the prospectus (including the
prospectus supplement relating to IncomeNotes(sm), both dated September 7, 2004,
and included in the Registration Statement (together, the "Prospectus"). Once
duly formed, the Trust is authorized to issue no more than a single series of
Notes and to take certain other actions necessary or appropriate to such
issuance. The proceeds from the sale of each series of Notes are to be used by
the Trust to purchase separately from Hartford Life a funding agreement, such as
the Contract listed above. As described in the Prospectus, the Notes issued by
the Trust are to be secured by the assignment to an indenture trustee of its
Contract and all proceeds from its Contract.

In connection with the foregoing, I, or persons under my supervision, have
examined an original or copies certified to my satisfaction as being a true copy
of the certificate of incorporation and bylaws of Hartford Life, and have
reviewed such other corporate records, instruments and other documents as deemed
necessary or appropriate in order to render the opinions set forth herein. I, or
persons under my supervision, have also reviewed, in unexecuted form, the
Contract.

In the examination of various documents, instruments and records, including
without limitation any referred to in this opinion letter, and in connection
with the opinions herein expressed, I have assumed the competency of all
individual signatories, the genuineness of all signatures, submitted as
certified, photostatic or electronic copies, and the authenticity of the
originals of such latter documents.








Based upon and subject to the foregoing, I am of the opinion that, as of the
date of this letter:

     (a)  Hartford  Life  is a  Connecticut  domiciled  insurance  company  duly
          organized,  validly  existing and in good  standing  under the laws of
          Connecticut as a corporation formed for the purposes of conducting the
          business of a life insurance company.  Hartford Life has the necessary
          corporate authority to enter into each of the Contracts and to perform
          its respective obligations thereunder.

     (b)  Hartford Life has obtained licenses from the states of Connecticut and
          Delaware,  which  authorize  Hartford  Life to conduct life  insurance
          business and to issue insurance contracts  (including the Contract) in
          those states. Hartford Life has all necessary authority to execute and
          to issue such  Contracts  under  applicable  Connecticut  and Delaware
          insurance laws and regulations and orders and  interpretations  of the
          Connecticut   Insurance   Department   and  the   Delaware   Insurance
          Department.

     (c)  The  issuance  of the  Contract  has been  approved  by all  necessary
          corporate  action  on the  part of  Hartford  Life;  and the  Contract
          constitutes the legal,  valid and binding obligation of Hartford Life,
          enforceable  in  accordance  with  its  terms,  except  to the  extent
          enforceability  thereof may be limited by (i) bankruptcy,  insolvency,
          fraudulent  conveyances,  fraudulent  transfers,   reorganization,  or
          moratorium or other  similar laws now or hereafter in effect  relating
          to or  effecting  the  enforcement  of  creditors'  rights or remedies
          generally and (ii) general principles of equity (regardless of whether
          such  enforcement  is considered in a proceeding in equity or at law),
          including the  discretion of the court before which any proceeding may
          be brought, concepts of good faith, reasonableness and fair dealing.


I consent  to the  filing  of this  opinion  with the  Securities  and  Exchange
Commission as an exhibit to the Current  Report of Hartford Life on Form 8-K and
to the use of my name under the heading "Legal Matters" in the Prospectus and to
the  incorporation  by  reference of this opinion and consent as exhibits to the
Registration  Statement  filed in accordance  with Rule 462(b) under the Act. In
giving the  foregoing  consents,  I do not thereby  admit that I come within the
category of persons, whose consent is required under Section 7 of the Securities
Act of 1933, as amended,  or the rules and  regulations  of the  Securities  and
Exchange Commission thereunder.

Very truly yours,

\s\ Christine Hayer Repasy

Christine Hayer Repasy
General Counsel
Hartford Life Insurance Company










                                               Hartford Life Insurance Companies
                                                            200 Hopmeadow Street
                                                              Simsbury, CT 06089
                                                             Mail: P.O. Box 2999
                                                         Hartford, CT 06104-2999