Pricing Supplement No. 006 dated                Filed pursuant to Rule 424(b)(2)
October 12, 2004. (To Prospectus dated                       File No. 333-112244
September 7, 2004 and Prospectus
Supplement dated September 7, 2004)
This Pricing Supplement consists
of 2 pages.


                         HARTFORD LIFE INSURANCE COMPANY
                                    DEPOSITOR

                           FIXED RATE INCOMENOTES(sm)
                                 ISSUED THROUGH

                   HARTFORD LIFE GLOBAL FUNDING TRUST 2004-006

                        4.70% NOTES DUE OCTOBER 15, 2014



The description in this pricing  supplement of the particular terms of the 4.70%
IncomeNotes(sm)  offered hereby and the Funding  Agreement sold by Hartford Life
Insurance  Company to the Trust specified herein  supplements the description of
the general  terms and  provisions of the notes and the funding  agreements  set
forth  in the  accompanying  prospectus  and  prospectus  supplement,  to  which
reference is hereby made.


                        PROVISIONS RELATING TO THE NOTES


                                                                        
Principal Amount:      $363,000.00                Interest Rate:                 4.70%

Price to Public:       100%                       Issuance Date:                 October 15, 2004

Net Proceeds to Trust: $357,555.00                Stated Maturity Date:          October 15, 2014

Agent's Discount:      1.50%                      Initial Interest Payment Date: April 15, 2005

CUSIP Number:  41659FAE4                          Interest Payment Frequency:    Semi-annually

Day Count Convention:  30/360                     Regular Record Dates:  15 days prior to an Interest Payment Date.

Optional Redemption:  Yes [ ]     No [X]          The Survivor's Option [X] is [ ] is not available
  Optional Redemption Date:  N/A                  Annual Put Limitation:  $1 million or 1%
                                                  Individual Put Limitation:  $250,000
  Initial Redemption Percentage:  N/A             Trust Put Limitation:  N/A
  Annual Percentage Reduction:  N/A
  Redemption may be:  [ ] In whole only.          Authorized Denominations:  $1,000 integral amounts.
                      [ ] In whole or in part.

Securities Exchange Listing: None.

Special Tax Considerations: None.                 Other Provisions Relating to the Notes:  None.


Agents : Bear, Stearns & Co. Inc., A.G. Edwards & Sons, Inc., Citigroup, HSBC,
JPMorgan, Merrill Lynch & Co., Morgan Stanley, Scott & Stringfellow, Inc., UBS
Financial Services, Inc., Wachovia Securities



                  INFORMATION RELATING TO THE FUNDING AGREEMENT


                                                                        
Funding Agreement Provider:  Hartford Life Insurance Company

Funding Agreement:           FA-404006            Interest Rate:                 4.70%

Contract Payment:            $363,015.00          Effective Date:                October 15, 2004

Deposit Amount :             $357,570.00          Stated Maturity Date:          October 15, 2014
(if different from Contract Payment)

Day Count Convention:        30/360               Initial Interest Payment Date: April 15, 2005

Special Tax Considerations:  None.                Interest Payment Frequency:    Semi-annually

Optional Redemption:  Yes [ ]     No [X]          Survivor Option:  Under the Funding Agreement, Hartford Life
Optional Redemption Date:  N/A                         Insurance Company [X] is [ ] is not required
                                                       to provide the Trust with amounts it needs to
     Initial Redemption Percentage:  N/A               honor valid exercises of the Survivor's Option.
     Annual Percentage Reduction:  N/A
     Redemption may be: [ ] In whole only.        Other Provisions Relating to the Funding Agreement:  None.
                        [ ] In whole or in part.



Note: The Opinion regarding the enforceability of the Funding Agreement and the
      related Consent of Counsel for Hartford Life Insurance Company is
      given by Jonathan Mercier, Counsel.

  INFORMATION PERTAINING TO THE RATINGS OF THE NOTES AND THE FUNDING AGREEMENT

It is anticipated that, as of October 15, 2004, both the Notes and the Funding
Agreement will be rated by the indicated rating agencies as follows:

               Standard & Poor's: AA-                Moody's: Aa3

The Moody's rating also extends to the Program under which the Notes are issued.