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INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this Post-Effective Amendment
No. 1 to Registration Statement No. 333-109919 of Hartford Life Insurance
Company (the "Company") on Form S-2 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 indefinite-lived intangible assets in 2002, (b) derivative
instruments and hedging activities in 2001, and (c) the recognition of
interest income and impairment on purchased retained beneficial interest in
securitized financial assets in 2001), included in the Annual Report on Form
10-K of the Company for the year ended December 31, 2003, and to the use 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 indefinite-lived
intangible assets in 2002, (b) derivative instruments and hedging activities
in 2001, and (c) the recognition of interest income and impairment on
purchased retained beneficial interest in securitized financial assets in
2001), appearing in the Prospectus, which is part of this Registration
Statement.  We also consent to the reference to us under the heading "Experts"
in such Prospectus.

Deloitte & Touche LLP
Hartford, Connecticut
April 5, 2004