Filed pursuant to Rule 424(b)(2)
File No. 333-123441
Pricing Supplement No. 51 dated September 12, 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 2005-111
5.00% Callable Notes due December 15, 2014
The description in this pricing supplement of the particular terms of the 5.00%
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: $2,769,000.00 Interest Rate: 5.00%
Price to Public: 100% Issuance Date: September 15, 2005
Net Proceeds to Trust: $2,728,850.00 Stated Maturity Date: December 15,
2014
Agent's Discount: 1.45% Initial Interest Payment Date:
December 15, 2005
CUSIP Number: 41659FFE9 Interest Payment Frequency:
Quarterly
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
Optional Redemption Date: September 15, not available
2007 or any Interest Payment Date Annual Put Limitation: $1 million
thereafter. 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 Authorized Denominations: $1,000
part. integral amounts.
Securities Exchange Listing: None. Special Tax Considerations: None.
Other Provisions Relating to the Notes:
None.
1
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-405111 Interest Rate: 5.00%
Contract Payment: $2,769,015.00 Effective Date: September 15, 2005
Deposit Amount: $2,728,865.00 Stated Maturity Date: December 15,
(if different from Contract Payment) 2014
Day Count Convention: 30/360 Initial Interest Payment Date:
December 15, 2005
Special Tax Considerations: None. Interest Payment Frequency:
Quarterly
Optional Redemption: Yes [X] No [ ] Survivor Option: Under the Funding
Optional Redemption Date: September 15, Agreement, Hartford Life Insurance
2007 or any Interest Payment Date Company [X] is [ ] is not required
thereafter. to provide the Trust with amounts
Initial Redemption Percentage: 100% it needs to honor valid exercises
Annual Percentage Reduction: N/A of the Survivor's Option.
Redemption may be: [X] In whole only.
[ ] In whole or in
part.
Other Provisions Relating to the
Funding Agreement: None.
INFORMATION PERTAINING TO THE RATINGS OF THE NOTES AND THE FUNDING AGREEMENT
It is anticipated that, as of September 15, 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 September 15, 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