Pricing Supplement No. 16 dated                 Filed pursuant to Rule 424(b)(5)
December 13, 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 2004-016

                        4.25% NOTES DUE DECEMBER 15, 2012



The description in this pricing supplement of the particular terms of the 4.25%
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:           $360,000.00              Interest Rate:                 4.25%

Price to Public:            100%                     Issuance Date:                 December 16, 2004

Net Proceeds to Trust:      $355,320.00              Stated Maturity Date:          December 15, 2012

Agent's Discount:           1.30%                    Initial Interest Payment Date: June 15, 2005

CUSIP Number:  41659FAQ7                             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-404016                Interest Rate:                 4.25%

Contract Payment:           $360,015.00              Effective Date:                December 16, 2004

Deposit Amount :            $355,335.00              Stated Maturity Date:          December 15, 2012
(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
Jonathan Mercier, Counsel.



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

It is anticipated that, as of December 16, 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.