================================================================================
- --------------------------------------------------------------------------------

                                  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): OCTOBER 15, 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: OCTOBER 15, 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).