August 1, 2003

To the Board of Directors and Stockholder of
Hartford Life, Inc.
Hartford, Connecticut

We have made a review, in accordance with standards established by the American
Institute of Certified Public Accountants, of the unaudited interim financial
information of Hartford Life, Inc. and subsidiaries (the "Company") for the
periods ended June 30, 2003 and 2002, as indicated in our report dated August 1,
2003; because we did not perform an audit, we expressed no opinion on that
information.

We are aware that our report referred to above, which is included in the
Company's Quarterly Report on Form 10-Q for the second quarter ended June 30,
2003, is incorporated by reference in Registration Statement Nos. 33-28805 and
333-28807 on Form S-8 and Registration Statement Nos. 333-21865 and 333-56283 on
Form S-3.

We also are aware that the aforementioned report, pursuant to Rule 436(c) under
the Securities Act of 1933, is not considered a part of the Registration
Statement prepared or certified by an accountant or a report prepared or
certified by an accountant within the meaning of Sections 7 and 11 of that Act.

DELOITTE & TOUCHE LLP
Hartford, Connecticut