UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 16, 2003 --------------- HARTFORD LIFE, INC. ------------------------------------------- (Exact name of registrant as specified in its charter) DELAWARE 001-12749 06-1470915 - ----------------------------- ---------------------- --------------------- (State or other jurisdiction (Commission (IRS Employer of incorporation) File Number) Identification No.) Hartford Life, Inc. 200 Hopmeadow Street Simsbury, Connecticut 06089 -------------------------------------------- --------------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (860) 547-5000 ----------------------- Item 5. Other Events. On March 16, 2003, a final decision and award was issued in the previously disclosed arbitration between subsidiaries of Hartford Life, Inc. (the "Company") and one of their primary reinsurers relating to policies with death benefit guarantees written from 1994 to 1999. The arbitration involved alleged breaches under the reinsurance treaties. Under the terms of the final decision and award, the reinsurer's reinsurance obligations to the Company's subsidiaries were not limited or reduced in any manner and, as a result, are left unchanged. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. HARTFORD LIFE, INC. Date: March 17, 2003 By: /s/ NEAL S. WOLIN ---------------------------------------- Name: Neal S. Wolin Title: Executive Vice President