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INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Registration Statement of Hartford Life
Insurance Company Separate Account Twelve on Form S-6, 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 interests in securitized financial assets in 2001), relating to
Hartford Life Insurance Company for the year ended December 31, 2003,
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 12, 2004