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

Pricing Supplement No. 34 dated August 1, 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 2005-094

                    5.20% Callable Notes due August 15, 2015


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:      $4,527,000.00               Interest Rate:        5.20%

Price to Public:       100%                        Issuance Date:        August 4, 2005

Net Proceeds to Trust: $4,459,095.00               Stated Maturity Date: August 15, 2015

Agent's Discount:      1.50%                       Initial Interest Payment Date: February 15, 2006

CUSIP Number:          41659FEP5                   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: August 15, 2007       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-405094              Interest Rate:                 5.20%

Contract Payment:           $4,527,015.00          Effective Date:                August 4, 2005

Deposit Amount :            $4,459,110.00          Stated Maturity Date:          August 15, 2015
(if different from Contract Payment)
Day Count Convention:       30/360                 Initial Interest Payment Date: February 15, 2006

Special Tax Considerations: None.                  Interest Payment Frequency:
                                                   Semi-Annually
Optional Redemption: Yes [X] No [ ]                Survivor Option: Under the Funding
Optional Redemption Date: August 15, 2007 or       Agreement, Hartford Life Insurance Company
any Interest Payment Date thereafter.              [X] is [ ] is not required to provide the Trust
Initial Redemption Percentage: 100%                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 August 4, 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 August 4, 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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