EXHIBIT 12
HARTFORD LIFE INSURANCE COMPANY
COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES AND EARNINGS
TO COMBINED FIXED CHARGES AND PREFERRED STOCK DIVIDENDS
FOR THE YEARS ENDED DECEMBER 31,
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(IN MILLIONS) (UNAUDITED) 2005 2004 2003 2002 2001
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EARNINGS $1,116 $1,012 $794 $428 $696
ADD:
FIXED CHARGES
Interest expense - - - - -
Interest factor attributable to rentals 5 6 6 7 6
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TOTAL FIXED CHARGES 5 6 6 7 6
Interest credited to contractholders 1,679 1,658 1,055 974 939
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TOTAL FIXED CHARGES INCLUDING INTEREST CREDITED TO
CONTRACTHOLDERS 1,684 1,664 1,061 981 945
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EARNINGS, AS DEFINED 1,121 1,018 800 435 702
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EARNINGS, AS DEFINED, INCLUDING INTEREST CREDITED TO 2,800 2,676 1,855 1,409 1,641
CONTRACTHOLDERS
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FIXED CHARGES
Fixed charges above 5 6 6 7 6
Dividends on subsidiary preferred stock - - - - -
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TOTAL FIXED CHARGES AND PREFERRED DIVIDEND REQUIREMENTS 5 6 6 7 6
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TOTAL FIXED CHARGES, INTEREST CREDITED TO CONTRACTHOLDERS AND
PREFERRED DIVIDEND REQUIREMENTS 1,684 1,664 1,061 981 945
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RATIOS
Earnings, as defined, to total fixed charges 224.2 169.7 133.3 62.1 117.0
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Earnings, as defined, to total fixed charges and preferred
dividend requirements 224.2 169.7 133.3 62.1 117.0
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Earnings, as defined, including interest credited to
contractholders, to total fixed charges including interest
credited to contractholders 1.7 1.6 1.7 1.4 1.7
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Earnings, as defined, including interest credited to
contractholders, to total fixed charges including interest
credited to contractholders and preferred dividend
requirements 1.7 1.6 1.7 1.4 1.7
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