================================================================================
- --------------------------------------------------------------------------------
                                  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 15, 2008


                       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 as exhibits to the Registration Statement on Form S-3
(File No. 333-137215) which became automatically effective on September 8, 2006
(the "Registration Statement").

      (c)   Exhibits



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

Exhibit 5.1  Opinion of Counsel of Hartford Life Insurance Company.

Consent 23.1 Consent of Counsel of Hartford Life Insurance Company (included in
             Exhibit 5.1).



                                   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 15, 2008             BY:  /S/  JEFFREY L. JOHNSON
                                    -------------------------------
                                    Name:  Jeffrey L. Johnson
                                    Title: Assistant Vice President












- --------------------------------------------------------------------------------



                                  EXHIBIT INDEX



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

Exhibit 5.1  Opinion of Counsel of Hartford Life Insurance Company.

Consent 23.1 Consent of Counsel of Hartford Life Insurance Company (included in
             Exhibit 5.1).