EXHIBIT 32.2

                            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 June 30, 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/ Lizabeth H. Zlatkus
                      -----------------------
                      Name: Lizabeth H. Zlatkus
                      Title:Executive Vice President and Chief Financial Officer
                      Date: August 6, 2003

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version 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.