EXHIBIT 23.01

                         CONSENT OF INDEPENDENT AUDITORS

To Hartford Life, Inc.:

We consent to the incorporation by reference in Registration Statements No.
333-28805 and 333-28807 on Forms S-8 and Registration Statement No. 333-21865
and 333-56283 on Form S-3 of Hartford Life, Inc. ("Company") of our report dated
February 25, 2004, (which report expresses an unqualified opinion and includes
an explanatory paragraph relating to the Company's changes in its method of
accounting for [a] goodwill and infinite -living intangible assets in 2002, [b]
derivative instruments and hedging activities in 2001 and [c] recognition of
interest income and impairment on purchased and retained beneficial interests in
securitized financial assets in 2001), appearing in this Annual Report on Form
10-K of the Company for the year ended December 31, 2003.

Deloitte & Touche LLP
Hartford, Connecticut
February 25, 2004