CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
          AS ENACTED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report on Form 10-Q for the quarterly period
ended March 31, 2003 of Hartford Life, Inc. (the "Company"), filed with the
Securities and Exchange Commission on the date hereof (the "Report"), the
undersigned hereby certifies, pursuant to 18 U.S.C. section 1350 as enacted by
section 906 of the Sarbanes-Oxley Act of 2002, that:

     1) The Report fully complies with the requirements of section 13(a) or
        section 15(d) of the Securities Exchange Act of 1934; and

     2) The information contained in the Report fairly presents, in all material
        respects, the financial condition and results of operations of the
        Company.


                            /s/ David A. Carlson
                            -----------------------------------------
                            Name:  David A. Carlson
                            Title: Vice President and Chief Financial
                                   Officer
                            Date:  May 13, 2003


A signed original of this written statement required by Section 906 has been
provided to Hartford Life, Inc. and will be retained by Hartford Life, Inc. and
furnished to the Securities and Exchange Commission or its staff upon request.