================================================================================
- --------------------------------------------------------------------------------

                                  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): MAY 15, 2006


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


        CONNECTICUT                     001-32293                 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.
333-130089)  as  declared  effective  by the  Commission  on March 31, 2006 (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:  MAY 15, 2006                     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 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).