1
                                                                    Exhibit 23.3

                       [Letterhead of Arthur Andersen LLP]


                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

   
As independent public accountants, we hereby consent to the incorporation by
reference in this Registration Statement of our report, dated January 27, 1998,
included in Hartford Life, Inc.'s Form 10-K for the year ended December 31, 1997
and to all references to our firm included in or made a part of this Amendment
No. 1 to the Registration Statement (File No. 333-56283) and Post-Effective
Amendment No. 2 to the Registration Statement on Form S-3 (File No. 333-21865)
for Hartford Life, Inc.
    

                                                         /s/ Arthur Andersen LLP

   
Hartford, Connecticut
June 5, 1998