Filed pursuant to Rule 424(b)(2)
File No. 333-123441
Pricing Supplement No. 97 dated January 9, 2006.
(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 2006-002
5.00% Callable Notes due January 15, 2011
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: $6,187,000.00 Interest Rate: 5.00%
Price to Public: 100% Issuance Date: January 12, 2006
Net Proceeds to Trust: $6,125,130.00 Stated Maturity Date: January 15, 2011
Agent's Discount: 1.00% Initial Interest Payment Date: July 15, 2006
CUSIP Number: 41659FHB3 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: January 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., Advest 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-406002 Interest Rate: 5.00%
Contract Payment: $6,187,015.00 Effective Date: January 12, 2006
Deposit Amount : $6,125,145.00 Stated Maturity Date: January 15, 2011
(if different from Contract Payment)
Day Count Convention: 30/360 Initial Interest Payment Date: July 15, 2006
Special Tax Considerations: None. Interest Payment Frequency:
Semi-Annually
Optional Redemption: Yes [X] No [ ] Survivor Option: Under the Funding
Optional Redemption Date: January 15, 2008 Agreement, Hartford Life Insurance
or any Interest Payment Date thereafter. Company [X] is [ ] is not required to
Initial Redemption Percentage: 100% provide the Trust with amounts it needs to
Annual Percentage Reduction: N/A honor valid exercises of the Survivor's
Redemption may be: [X] In whole only. Option.
[ ] 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 January 12, 2006, 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 January 12, 2006, 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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