Pricing Supplement No. 011 dated                Filed pursuant to Rule 424(b)(5)
November 29, 2004.                                           File No. 333-112244
(To Prospectus dated 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 2004-011

                        4.00% NOTES DUE DECEMBER 15, 2010

The description in this pricing  supplement of the particular terms of the 4.00%
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:       $2,408,000.00      Interest Rate:          4.00%

Price to Public:        100%               Issuance Date:          December 2, 2004

Net Proceeds to Trust:  $2,381,512.00      Stated Maturity Date:   December 15, 2010

Agent's Discount:       1.10%              Initial Interest Payment Date:  June 15, 2005

CUSIP Number:       41659FAK0              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-404011          Interest Rate:         4.00%

Contract Payment:       $2,408,015.00      Effective Date:        December 2, 2004

Deposit Amount :        $2,381,527.00      Stated Maturity Date:  December 15, 2010
(if different from Contract Payment)

Day Count Convention:   30/360             Initial Interest Payment Date: June 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 Chris
Grinnell, Counsel.

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

It is anticipated  that, as of December 2, 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.