SIDLEY AUSTIN BROWN & WOOD LLP

     BEIJING                787 SEVENTH AVENUE                  LOS ANGELES
      ----               NEW YORK, NEW YORK 10019                  ----
    BRUSSELS              TELEPHONE 212 839 5300                 NEW YORK
      ----                FACSIMILE 212 839 5599                   ----
     CHICAGO                  www.sidley.com                   SAN FRANCISCO
      ----                                                         ----
     DALLAS                    FOUNDED 1866                       SHANGHAI
      ----                                                         ----
     GENEVA                                                      SINGAPORE
      ----                                                         ----
    HONG KONG                                                      TOKYO
      ----                                                         ----
     LONDON                                                  WASHINGTON, D.C.


                                January 27, 2005



Hartford Life Insurance Company
200 Hopmeadow Street
Simsbury, Connecticut  06089

                  Re:  HARTFORD LIFE GLOBAL FUNDING TRUSTS 2005-011, 2005-012,
                       2005-013 AND 2005-0014 INCOMENOTES(SM)

Ladies and Gentlemen:

     This opinion letter is delivered to you in connection with:

          1.   the issuance by Hartford Life Global  Funding Trust 2005-011 (the
               "2005-011 Trust") of $886,000  aggregate  principal amount of the
               2005-011  Trust's 4.0%  IncomeNotes(sm)  due 2010 (the  "2005-011
               Notes") related to funding agreement No. FA-405011 (the "2005-011
               Funding Agreement")  executed by Hartford Life Insurance Company,
               a Connecticut life insurance company ("Hartford Life");

          2.   the issuance by Hartford Life Global  Funding Trust 2005-012 (the
               "2005-012 Trust") of $5,336,000 aggregate principal amount of the
               2005-012  Trust's 5.000% Callable  IncomeNotes(sm)  due 2015 (the
               "2005-012 Notes") related to funding agreement No. FA-405012 (the
               "2005-012 Funding Agreement") executed by Hartford Life;

          3.   the issuance by Hartford Life Global  Funding Trust 2005-013 (the
               "2005-013 Trust") of $3,451,000 aggregate principal amount of the
               2005-013  Trust's  Floating  Rate  IncomeNotes(sm)  due 2017 (the
               "2005-013 Notes") related to funding agreement No. FA-405013 (the
               "2005-013 Funding Agreement") executed by Hartford Life; and

          4.   the issuance by Hartford Life Global  Funding Trust 2005-014 (the
               "2005-014 Trust") of $2,139,000 aggregate principal amount of the
               2005-014  Trust's 5.300% Callable  IncomeNotes(sm)  due 2025 (the
               "2005-014 Notes") related to funding



   SIDLEY AUSTIN BROWN & WOOD LLP IS A DELAWARE LIMITED LIABILITY PARTNERSHIP
  PRACTICING IN AFFILIATION WITH OTHER SIDLEY AUSTIN BROWN & WOOD PARTNERSHIPS



SIDLEY AUSTIN BROWN & WOOD LLP                                          NEW YORK

Hartford Life Insurance Company
January 27, 2005
Page 2


               agreement  No.  FA-405014  (the  "2005-014  Funding   Agreement")
               executed by Hartford Life.

The 2005-011  Trust,  the 2005-012  Trust,  the 2005-013  Trust and the 2005-014
Trust are referred to collectively  herein as the "Trusts";  the 2005-011 Notes,
the 2005-012  Notes,  the 2005-013  Notes and the 2005-014 Notes are referred to
collectively  herein as the "Notes";  and the 2005-011  Funding  Agreement,  the
2005-012  Funding  Agreement,  the 2005-013  Funding  Agreement and the 2005-014
Funding   Agreement  are  referred  to  collectively   herein  as  the  "Funding
Agreements."  The Trusts were formed on January 24, 2005 (the "Formation  Date")
and the Notes will be issued on January 27, 2005 (the "Issuance Date").

     We have acted as special counsel to Bear, Stearns & Co. Inc., in connection
with the preparation and filing with the Securities and Exchange Commission (the
"Commission")  under the  Securities  Act of 1933,  as amended (the  "Act"),  by
Hartford Life, of a Registration  Statement on Form S-3 (File Nos.  333-112244),
as  amended by  Amendment  No. 1 filed with the  Commission  on March 16,  2004,
Amendment  No. 2 filed with the  Commission  on May 4, 2004 and  Amendment No. 3
filed  with the  Commission  on July 27,  2004 (the  "Registration  Statement"),
including a prospectus (the "Prospectus") relating to secured notes to be issued
by newly formed  statutory trusts formed under the laws of the State of Delaware
and a prospectus  supplement  relating to Hartford  Life  IncomeNotes(sm)  to be
issued by the trusts (the  "Retail  Prospectus  Supplement").  The  Registration
Statement  provides for: (i) the  registration of up to  $2,000,000,000,  or the
equivalent amount in one or more foreign currencies,  aggregate principal amount
of  notes  to be  issued  by the  trusts  and  (ii)  the  registration  of up to
$2,000,000,000,  or the equivalent amount in one or more foreign currencies,  of
Hartford  Life's funding  agreements to be sold to the trusts in connection with
the sale of notes.

     In  furnishing  this  opinion,  we  have  reviewed:  (i)  the  Registration
Statement, the Prospectus and the Retail Prospectus Supplement,  and each of the
pricing  supplements related to the Notes, each such pricing supplement dated as
of the  Formation  Date,  (ii)  each of the  trust  agreements,  dated as of the
Formation Date (the "Trust  Agreements"),  between Wilmington Trust Company,  as
trustee,  and AMACAR Pacific Corp., as trust beneficial  owner,  which adopt and
incorporate  the  standard  trust terms dated July 23,  2004,  (iii) each of the
indentures,  dated as of the Issuance Date (the "Indentures"),  between JPMorgan
Chase Bank,  N.A.,  as  indenture  trustee  (the  "Indenture  Trustee")  and the
relevant Trust,  which adopt and incorporate the standard  indenture terms dated
July  23,  2004,  (iv)  each of the  distribution  agreements,  dated  as of the
Formation Date (the  "Distribution  Agreements"),  between  Hartford Life, Bear,
Stearns & Co. Inc.,  on behalf of itself and each of the other  agents,  and the
relevant Trust, which adopt and incorporate the standard distribution  agreement
terms dated July 23, 2004, (v) each of the omnibus instruments,  dated as of the
Formation  Date,  which  include the relevant  Trust  Agreement,  Indenture  and
Distribution  Agreement  executed in connection  with the creation of the Trusts
and  the  issuance  by the  Trusts  of  the  Notes,  (vi)  each  of the  closing
instruments,  dated as of the Issuance  Date,  related to each  relevant  Trust,
(vii) the Notes and (viii) each of the Funding Agreements.



SIDLEY AUSTIN BROWN & WOOD LLP                                          NEW YORK

Hartford Life Insurance Company
January 27, 2005
Page 3


     We have also reviewed the trust action of the Trusts in connection with the
issuance of the Notes, and have examined,  and have relied as to matters of fact
upon, originals or copies certified or otherwise identified to our satisfaction,
of  such  records,  agreements,   documents,  and  other  instruments  and  such
certificates  or  comparable  documents of public  officials and of officers and
representatives of the Trust, and have made such other further investigations as
we have deemed  relevant and  necessary as a basis for the opinions  hereinafter
set  forth.  In  such  examination,  we have  assumed  the  authenticity  of all
documents submitted to us as originals,  the genuineness of all signatures,  the
legal  capacity of all  natural  persons and the  conformity  with the  original
documents of any copies submitted to us for our  examination.  We have relied as
to factual  matters  upon,  and have assumed the  accuracy of,  representations,
statements and  certificates of or from public officials and of or from officers
and representations of all persons whom we have deemed appropriate.

     Based upon the foregoing, and subject to the qualifications and limitations
stated  herein,  we  are of the  opinion  that  upon  the  execution,  issuance,
authentication  and delivery of the Notes,  the relevant Notes will be the valid
and binding obligations of the relevant Trust, enforceable against such Trust in
accordance with their terms.

     The above opinions with regard to the  enforceability of the Notes: (i) are
qualified by the effects of bankruptcy, insolvency,  reorganization,  moratorium
or similar laws relating to or affecting creditors' rights generally and general
principles of equity  (regardless of whether such principles are considered in a
proceeding  in  equity  or  at  law),  and  (ii)  are  subject  to  the  further
qualification  that, to the extent that the Notes are  denominated in a currency
other than United  States  dollars,  a claim  thereunder  (or  foreign  currency
judgment in respect to such claim) would be converted into United States dollars
at a rate of exchange  prevailing  on a date  determined  pursuant to applicable
law.

     We express no  opinion  as to the laws of any  jurisdiction  other than the
laws of the State of New York, as currently in effect.  This opinion is rendered
as of the date  hereof  based  upon the facts and law in  existence  on the date
hereof.  We assume no obligation to update or supplement  this letter to reflect
any circumstances  which may hereafter come to our attention with respect to the
opinion and statements set forth above,  including any changes in applicable law
which may hereafter occur.

     We hereby consent to the filing of this letter as an exhibit to the Current
Report on Form 8-K filed by Hartford  Life in  connection  with the issuance and
sale of the Notes,  incorporated by reference in the Registration  Statement. In
giving such consent,  we do not thereby  concede that we are within the category
of persons whose consent is required under Section 7 of the Act or the rules and
regulations of the Commission thereunder.

                                            Very truly yours,

                                            /s/ Sidley Austin Brown & Wood LLP