Filed pursuant to Rule 424(b)(5)
File No. 333-112244
Pricing Supplement No. 19 dated December 20, 2004.
(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 2004-019
4.00% NOTES DUE DECEMBER 15, 2011
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: $382,000.00 Interest Rate: 4.00%
Price to Public: 100% Issuance Date: December 23, 2004
Net Proceeds to Trust: $377,110.00 Stated Maturity Date: December 15, 2011
Agent's Discount: 1.28% Initial Interest
Payment Date: June 15, 2005
CUSIP Number: 41659FAT1 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
Optional Redemption Date: N/A available
Initial Redemption Annual Put Limitation: $1 million or 1%
Percentage: N/A Individual Put Limitation: $250,000
Annual Percentage Trust Put Limitation: N/A
Reduction: N/A
Redemption
may be: [ ] In whole only. Authorized
[ ] In whole or Denominations: $1,000 integral amounts.
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, WM Financial Services, Raymond
James, Banc of America Securities LLC, Charles Schwab & Co., Inc., RBC Dain
Rauscher, Inc.
INFORMATION RELATING TO THE FUNDING AGREEMENT
Funding Agreement Provider: Hartford Life Insurance Company
Funding Agreement: FA-404019 Interest Rate: 4.00%
Contract Payment: $382,015.00 Effective Date: December 23, 2004
Deposit Amount: $377,125.00 Stated Maturity Date: December 15, 2011
(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 23, 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.