Filed pursuant to Rule 424(b)(5)
                                                             File No. 333-112244

Pricing Supplement No. 24 dated January 10, 2005.
(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 2005-003

                   5.100% CALLABLE NOTES DUE JANUARY 15, 2015

The description in this pricing supplement of the particular terms of the 5.100%
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: $9,983,000.00                        Interest Rate: 5.100%

Price to Public: 100%                                  Issuance Date: January 13, 2005

Net Proceeds to Trust: $9,833,255.00                   Stated Maturity Date: January 15, 2015

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

CUSIP Number: 41659FAY0                                Interest Payment Frequency: Semi-Annually

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

Optional Redemption:  Yes [X]     No [ ]               The Survivor's Option [ X ] is [ ] is not available
   Optional Redemption Date: January 15, 2007 or any            Annual Put Limitation: $1 million or 1%
             Interest Payment Date thereafter.                  Individual Put Limitation: $250,000
   Initial Redemption Percentage:   100%                        Trust Put Limitation: N/A
   Annual Percentage Reduction:     N/A
   Redemption may be:     [X] 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., Banc of America
Securities LLC, Charles Schwab & Co., Inc., Citigroup, HSBC, JPMorgan, Merrill
Lynch & Co., Morgan Stanley, Raymond James, RBC Dain Rauscher, Inc., Scott &
Stringfellow, Inc., UBS Financial Services, Inc., Wachovia Securities, WM
Financial Services




                 INFORMATION RELATING TO THE FUNDING AGREEMENT


Funding Agreement Provider: Hartford Life Insurance Company
                                                             
Funding Agreement:                            FA-405003            Interest Rate: 5.100%

Contract Payment:                             $9, 983,015.00       Effective Date: January 13, 2005

Deposit Amount:                               $9,833,270.00        Stated Maturity Date: January 15, 2015
(if different from Contract Payment)

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

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

Optional Redemption: Yes [X]        No [ ]                         Survivor Option: Under the Funding Agreement, Hartford Life
Optional Redemption Date: January 15, 2007 or any                           Insurance Company [ X ] is [ ] is not required
             Interest Payment Date thereafter.                              to provide the Trust with amounts it needs to
         Initial Redemption Percentage: 100%                                honor valid exercises of the Survivor's Option.
         Annual Percentage Reduction: N/A
         Redemption may be: [X] 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 January 13, 2005, 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.