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                                  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): February 06, 2006

                         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))


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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
Pre-Effective  Amendment  No. 1 filed with the  Commission on April 12, 2005 and
Post-Effective  Amendment  No. 1 filed with the  Commission on December 13, 2005
(the "Registration Statement").

         (c)  Exhibits

   EXHIBIT
   NUMBER                                        DESCRIPTION
   ------                                        -----------

Exhibit 5.1    Opinion of Sidley Austin LLP.

Exhibit 5.2    Opinion of Counsel of Hartford Life Insurance Company.

Exhibit 8      Opinion of Sidley Austin LLP.

Consent 23.1   Consent of Sidley  Austin 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: FEBRUARY 06, 2006                     BY: /s/ JEFFREY L. JOHNSON
                                            ----------------------------------
                                            Name    Jeffrey L. Johnson
                                            Title:  Assistant Vice President












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                                  EXHIBIT INDEX


   EXHIBIT
   NUMBER                                        DESCRIPTION
   ------                                        -----------

Exhibit 5.1    Opinion of Sidley Austin LLP.

Exhibit 5.2    Opinion of Counsel of Hartford Life Insurance Company.

Exhibit 8      Opinion of Sidley Austin LLP.

Consent 23.1   Consent of Sidley  Austin 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).