EXHIBIT 15.01

November 10, 2004

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

We have made a review, in accordance with standards of the Public Company
Accounting Oversight Board (United States), of the unaudited interim financial
information of Hartford Life, Inc. and subsidiaries (the "Company") for the
periods ended September 30, 2004 and 2003, as indicated in our report dated
November 10, 2004; 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 third quarter ended September
30, 2004, is incorporated by reference in Registration Statement Nos. 333-28805,
333-28807 and 333-34076 on Form S-8 and Registration Statement Nos. 333-21865,
333-56283 and 333-60944 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 report prepared or certified
by an accountant within the meaning of Sections 7 and 11 of that Act.

DELOITTE & TOUCHE LLP
Hartford, Connecticut

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