UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT

     PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

       Date of Report (Date of earliest event reported): NOVEMBER 21, 2005


                         HARTFORD LIFE INSURANCE COMPANY
             (Exact name of registrant as specified in its charter)


       CONNECTICUT                      2-46577                  06-0974148
(State or other jurisdiction    (Commission File Number)       (IRS Employer
     of incorporation)                                       Identification No.)


                              200 HOPMEADOW STREET
                           SIMSBURY, CONNECTICUT 06089
                    (Address of principal executive offices)
                                   (Zip Code)


       Registrant's telephone number, including area code: (860) 547-5000

                    ----------------------------------------

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:


|_| Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)


|_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)


|_| Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))


|_| Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))





ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS

     The  following  documents  are  filed  with  reference  to and  are  hereby
incorporated by reference into the Registration  Statement on Form S-3 (File No.
333-123441) filed with the Commission on March 18, 2005, as amended by Amendment
No.  1  filed  with  the  Commission  on  April  12,  2005  (the   "Registration
Statement").

     (c)       Exhibits



EXHIBIT NUMBER                 DESCRIPTION
- --------------                 -----------
Exhibit 5.1   Opinion of Sidley Austin Brown & Wood LLP.
Exhibit 5.2   Opinion of Counsel of Hartford Life Insurance Company.
Exhibit 8     Opinion of Sidley Austin Brown & Wood LLP.
Consent 23.1  Consent of Sidley Austin Brown & Wood LLP (included in Exhibit 5.1
              and Exhibit 8).
Consent 23.2  Consent of Counsel of Hartford Life Insurance Company (included
              in Exhibit 5.2).




                                   SIGNATURES


     PURSUANT TO THE  REQUIREMENTS  OF THE SECURITIES  EXCHANGE ACT OF 1934, THE
REGISTRANT  HAS DULY  CAUSED  THIS  REPORT  TO BE  SIGNED  ON ITS  BEHALF BY THE
UNDERSIGNED HEREUNTO DULY AUTHORIZED.


                                             HARTFORD LIFE INSURANCE COMPANY
                                             (REGISTRANT)

DATE:  NOVEMBER 21, 2005                      BY:  /S/ JEFFREY L. JOHNSON
                                              ----------------------------------
                                              Name:    Jeffrey L. Johnson
                                              Title:   Assistant Vice President









                                  EXHIBIT INDEX


   EXHIBIT
   NUMBER                      DESCRIPTION
   -------                     -----------
Exhibit 5.1   Opinion of Sidley Austin Brown & Wood LLP.
Exhibit 5.2   Opinion of Counsel of Hartford Life Insurance Company.
Exhibit 8     Opinion of Sidley Austin Brown & Wood LLP.
Consent 23.1  Consent of Sidley Austin Brown & Wood LLP (included in Exhibit 5.1
              and Exhibit 8).
Consent 23.2  Consent of Counsel of Hartford Life Insurance Company (included
              in Exhibit 5.2).