EXHIBIT 31.1 - SECTION 302 CERTIFICATION



                                  CERTIFICATION



I, Kenneth McCullum, certify that:


1.       I have reviewed this annual report on Form 10-K, and all reports on
         Form 8-K containing distribution or servicing reports filed in respect
         of the periods included in the year covered by this annual report of
         Hartford Life Global Funding Trust 2004-003;

2.       Based on my knowledge, the information in these reports, taken as a
         whole, does not contain any untrue statement of a material fact or omit
         to state a material fact necessary to make the statements made, in
         light of the circumstances under which such statements were made, not
         misleading as of the last day of the period covered by this annual
         report;

3.       Based on my knowledge, the distribution or servicing information
         required to be provided to the depositor by the trustee under the
         pooling and servicing, or similar agreement, for inclusion in these
         reports is included in these reports;

4.       I am responsible for reviewing the activities performed by the
         depositor and the trustee under the pooling and servicing, or similar
         agreement, and based upon my knowledge and the annual compliance review
         required under that agreement, and except as disclosed in the reports,
         the depositor and trustee have each fulfilled its obligations under
         that agreement; and

5.       The reports disclose all significant deficiencies relating to the
         trustee's or depositor's compliance with the minimum servicing or
         similar standards based upon the report provided by an independent
         public accountant, after conducting a review in compliance with the
         Uniform Single Attestation Program for Mortgage Bankers or similar
         procedure, as set forth in the pooling and servicing, or similar
         agreements, that is included in these reports.

In giving the certifications above, I have reasonably relied on information
provided to me by the following unaffiliated parties:

                  JPMorgan Chase Bank, N.A. and its officers and agents



Date: August 9, 2005

/s/ Kenneth McCullum

Kenneth McCullum
Vice President & Actuary
Hartford Life Insurance Company, as depositor