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                         HARTFORD LIFE INSURANCE COMPANY

                                POWER OF ATTORNEY
                                -----------------

                                David A. Carlson
                                Michael L. Kalen
                                 Thomas M. Marra
                             Ernest M. McNeill, Jr.
                                 John C. Walters
                               Lizabeth H. Zlatkus
                              David M. Znamierowski

do hereby jointly and severally authorize Marianne O'Doherty, Richard J.
Wirth, Christopher M. Grinnell, John F. Kennedy, W. Michael Stobart, Sarah
Patterson, Jerry K. Scheinfeldt, Ellen Conlin and Shane E. Daly to sign as
their agent any Registration Statement, pre-effective amendment,
post-effective amendment and any application for exemptive relief of Hartford
Life Insurance Company under the Securities Act of 1933 and/or the Investment
Company Act of 1940, and do hereby jointly and severally ratify such
signatures heretofore made by such persons.

     IN WITNESS WHEREOF, the undersigned have executed this Power of Attorney
for the purpose herein set forth.

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By: /s/ David A. Carlson                                          Dated as of March 1, 2005
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David A. Carlson

By: /s/ Michael L. Kalen                                          Dated as of March 1, 2005
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Michael L. Kalen

By: /s/ Thomas M. Marra                                           Dated as of March 1, 2005
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Thomas M. Marra

By: /s/ Ernest M. McNeill, Jr.                                    Dated as of March 1, 2005
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Ernest M. McNeill, Jr.

By:  /s/ John C. Walters                                          Dated as of March 1, 2005
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John C. Walters

By: /s/ Lizabeth H. Zlatkus                                       Dated as of March 1, 2005
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Lizabeth H. Zlatkus

By: /s/ David M. Znamierowski                                     Dated as of March 1, 2005
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David M. Znamierowski
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