Exhibit 5.2

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                                                                    THE HARTFORD

May 11, 2006


To:  Board of Directors of Hartford Life Insurance Company

RE:  Enforceability of Funding Agreements Issued to Certain Trusts

Ladies and Gentlemen:

I am an attorney with Hartford  Life  Insurance  Company  ("Hartford  Life"),  a
Connecticut life insurance corporation.

I am furnishing this opinion in connection with the issuance by Hartford Life of
the funding  agreements  listed below (each a "Contract")  to the trusts (each a
"Trust") listed below on or about the date of this letter:

    CONTRACT                         CONTRACTHOLDER
    Funding Agreement FA-406050      Hartford Life Global Funding Trust 2006-050
    Funding Agreement FA-406051      Hartford Life Global Funding Trust 2006-051
    Funding Agreement FA-406052      Hartford Life Global Funding Trust 2006-052



In each instance the Trust was established  pursuant to the Hartford Life Global
Funding  note  issuance  program  (the  "Program")  described  in  that  certain
registration  statement on Form S-3 (SEC File No. 333-130089),  as amended, with
an effective  date of March 31, 2006 (the  "Registration  Statement")  under the
Securities  Act of 1933,  as amended (the  "Act").  The  Registration  Statement
describes (i) the registration and public offering of up to  $4,000,000,000,  in
the aggregate  principal  amount of notes (the "Notes") to be issued by a series
of trusts and (ii) the registration of up to  $4,000,000,000,  or the equivalent
amount in one or more  foreign  or  composite  currencies,  aggregate  principal
amount of Hartford Life's funding  agreements (each, a "Contract") to be sold to
the trusts  described  below in  connection  with the  issuance  and sale of the
Notes.

Each of the Trusts is intended to be a trust  described in the prospectus  dated
April 12, 2006 (including the prospectus  supplement relating to IncomeNotes(sm)
dated April 12, 2006), and included in the Registration Statement (together, the
"Prospectus").  Once duly formed, each Trust is authorized to issue no more than
a  single  series  of Notes  and to take  certain  other  actions  necessary  or
appropriate to such issuance. The proceeds from the sale of each series of Notes
are to be used by each Trust to purchase separately from Hartford Life a funding
agreement,  such as the Contracts  listed above. As described in the Prospectus,
the  Notes  issued by each  Trust  are to be  secured  by the  assignment  to an
indenture trustee of its Contract and all proceeds from its Contract.

In  connection  with the  foregoing,  I, or persons under my  supervision,  have
examined an original or copies certified to my satisfaction as being a true copy
of the certificate of incorporation  and/or direction,  bylaws of Hartford Life,
and have reviewed such other corporate records,  instruments and other documents
as deemed  necessary  or  appropriate  in order to render the opinions set forth
herein. I, or persons under my supervision or direction,  have also reviewed, in
unexecuted form, each of the Contracts.

In the  examination of various  documents,  instruments  and records,  including
without  limitation  any referred to in this opinion  letter,  and in connection
with the  opinions  herein  expressed,  I have  assumed  the  competency  of all
individual  signatories,  the  genuineness  of  all  signatures,   submitted  as
certified,  photostatic  or  electronic  copies,  and  the  authenticity  of the
originals of such latter documents.


Page 2
May 11, 2006


Based upon and subject to the  foregoing,  I am of the opinion  that,  as of the
date of this letter:

      (a)   Hartford  Life is a  Connecticut  domiciled  insurance  company duly
            organized,  validly  existing and in good standing under the laws of
            Connecticut  as a corporation  formed for the purposes of conducting
            the  business of a life  insurance  company.  Hartford  Life has the
            necessary  corporate  authority to enter into each of the  Contracts
            and to perform its respective obligations thereunder.

      (b)   Hartford Life has obtained  licenses from the states of  Connecticut
            and  Delaware,   which  authorize  Hartford  Life  to  conduct  life
            insurance business and to issue insurance contracts  (including each
            of the  Contracts) in those states.  Hartford Life has all necessary
            authority to execute and to issue such  Contracts  under  applicable
            Connecticut  and Delaware  insurance laws and regulations and orders
            and interpretations of the Connecticut  Insurance Department and the
            Delaware Insurance Department.

      (c)   The  issuance  of each of the  Contracts  has been  approved  by all
            necessary  corporate  action on the part of Hartford  Life; and each
            Contract  constitutes  the legal,  valid and binding  obligation  of
            Hartford Life,  enforceable in accordance with its terms,  except to
            the extent enforceability  thereof may be limited by (i) bankruptcy,
            insolvency,    fraudulent    conveyances,    fraudulent   transfers,
            reorganization, or moratorium or other similar laws now or hereafter
            in effect  relating to or effecting  the  enforcement  of creditors'
            rights or remedies  generally and (ii) general  principles of equity
            (regardless   of  whether  such   enforcement  is  considered  in  a
            proceeding  in equity or at law),  including  the  discretion of the
            court before which any proceeding  may be brought,  concepts of good
            faith, reasonableness and fair dealing.


I consent  to the  filing  of this  opinion  with the  Securities  and  Exchange
Commission as an exhibit to the Current  Report of Hartford Life on Form 8-K and
to the use of my name under the heading "Legal Matters" in the Prospectus and to
the  incorporation  by  reference of this opinion and consent as exhibits to the
Registration  Statement  filed in accordance  with Rule 462(b) under the Act. In
giving the  foregoing  consents,  I do not thereby  admit that I come within the
category of persons, whose consent is required under Section 7 of the Securities
Act of 1933, as amended,  or the rules and  regulations  of the  Securities  and
Exchange Commission thereunder.

Very truly yours,

/s/ John F. Kennedy

John F. Kennedy
Associate Counsel
Hartford Life Insurance Company