Filed pursuant to Rule 424(b)(5)
                                                             File No. 333-123441

Pricing Supplement No. 28 dated July 18, 2005.
(To Prospectus dated April 15, 2005 and Prospectus
Supplement dated May 5, 2005)
This Pricing Supplement consists of 2 pages.

                         Hartford Life Insurance Company
                                    Depositor

                           Fixed Rate IncomeNotes(sm)
                                 Issued through

                   Hartford Life Global Funding Trust 2005-088

                     5.20% Callable Notes due July 15, 2020

The description in this pricing supplement of the particular terms of the 5.20%
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:        $946,000.00             Interest Rate:           5.20%

Price to Public:         100%                    Issuance Date:           July 21, 2005

Net Proceeds to Trust:   $927,080.00             Stated Maturity Date:    July 15, 2020

Agent's Discount:        2.00%                   Initial Interest Payment Date: January 15, 2006

CUSIP Number:            41659FEH3               Interest Payment Frequency: Semi-Annually

Day Count Convention: 30/360                     Regular Record Dates:  15 days prior to any
                                                 Interest Payment Date.
Optional Redemption: Yes [X] No [   ]            The Survivor's Option  [X] is  [ ]  is not
  Optional Redemption Date: July 15, 2008        available
  or any Interest Payment Date thereafter.            Annual Put Limitation: $1 million or 1%
  Initial Redemption Percentage: 100%                 Individual Put Limitation: $250,000
  Annual Percentage Reduction: N/A                    Trust Put Limitation: N/A
  Redemption may be: [X] In whole only.
                     [ ] In whole or in part.    Authorized Denominations: $1,000 integral
                                                 amounts.

Securities Exchange Listing:   None.             Special Tax Considerations: None.


Other Provisions Relating to the Notes: None.

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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-405088          Interest Rate:        5.20%

Contract Payment:             $946,015.00        Effective Date:       July 21, 2005

Deposit Amount :              $927,095.00        Stated Maturity Date: July  15, 2020
(if different from Contract Payment)
Day Count Convention:         30/360             Initial Interest Payment Date:  January
                                                 15, 2006

Special Tax Considerations:   None.              Interest Payment Frequency:
                                                 Semi-Annually
Optional Redemption:   Yes [X] No [ ]            Survivor Option:  Under the Funding
Optional Redemption Date: July 15, 2008 or any   Agreement, Hartford Life Insurance
Interest Payment Date thereafter.                Company [X] is [   ] is not  required to
Initial Redemption Percentage:   100%            provide the Trust with amounts it needs
                                                 to 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
                    [ ] In whole or in part.     Agreement: None.


Note: The Opinion regarding the enforceability of the Funding Agreement and the
related Consent of Counsel for Hartford Life Insurance Company is given by
Richard J. Wirth, Assistant Vice President & Senior Counsel.

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

It is anticipated that, as of July 21, 2005, the Notes will be rated by the
indicated rating agencies as follows:

                  Standard & Poor's:  AA-            Moody's: Aa3
                  A.M. Best: aa-                     Fitch: AA

The Moody's rating also extends to the Program under which the Notes are issued.

It is anticipated that, as of July 21, 2005, the Funding Agreement will be rated
by the indicated rating agencies as follows:

                  Standard & Poor's:  AA-            Moody's: Aa3
                  A.M. Best: aa-                     Fitch: AA

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