Exhibit 5.2

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                                                                    THE HARTFORD

September 14, 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-406095     Hartford Life Global Funding Trust 2006-095
     Funding Agreement FA-406096     Hartford Life Global Funding Trust 2006-096



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
September 14, 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/ Richard P. Rubin

Richard P. Rubin
Senior Counsel
Hartford Life Insurance Company