<Page>

CRC GENERATIONS

MODIFIED GUARANTEED ANNUITY CONTRACT
HARTFORD LIFE INSURANCE COMPANY
P.O. BOX 5085
HARTFORD, CONNECTICUT 06102-5085

<Table>

TELEPHONE: 1-800-862-6668 (CONTRACT OWNERS)
1-800-862-7155 (REGISTERED REPRESENTATIVES)
</Table>

[THE HARTFORD LOGO]

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This prospectus describes information you should know before you purchase CRC
Generations. Please read it carefully.

CRC Generations is a contract between you and Hartford Life Insurance Company
where you agree to make one Purchase Payment to us and we agree to pay you
interest for a Guarantee Period you select and we agree to make a series of
Annuity Payouts at a later date. This annuity is a single premium, tax-
deferred, modified guaranteed annuity offered to both individuals and groups.
It is:

X Single premium, because you make a one-time Purchase Payment.

X Tax-deferred, which means you don't pay taxes until you take money out or
until we start to make Annuity Payouts.

It is a "modified guaranteed" annuity because Hartford guarantees to pay you
your Purchase Payment and the interest earned on that Purchase Payment unless
you cancel during the right to examine period, fully or partially Surrender
your Contract, transfer to a different Guarantee Period or request Annuity
Payouts before the end of your Guarantee Period.

Although we file this prospectus with the Securities and Exchange Commission
("SEC"), the SEC doesn't approve or disapprove of these securities or determine
if this prospectus is truthful or complete. Anyone who represents that the SEC
does these things may be guilty of a criminal offense.

This prospectus can also be obtained from the Securities and Exchange
Commission's website: (www.sec.gov).

This annuity IS NOT:

- - A bank deposit or obligation

- - Federally insured

- - Endorsed by any bank or governmental agency

This annuity may not be available for sale in all states.
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PROSPECTUS DATED: MAY 1, 2006

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2 HARTFORD LIFE INSURANCE COMPANY

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AVAILABLE INFORMATION

We are required by the Securities Exchange Act of 1934 to file reports and
other information with the SEC. You may read or copy these reports at the SEC's
Public Reference Room at 450 Fifth Street, N.W., Washington, D.C., 20549. You
may call the SEC at 1-800-SEC-0330 for further information on the public
reference room. You may also obtain reports, proxy and information statements
and other information about us at the SEC's website at: www.sec.gov.

We filed a registration statement ("Registration Statement") relating to the
Contracts offered by this prospectus with the SEC under the Securities Act of
1933. This Prospectus has been filed as a part of the Registration Statement
and does not contain all of the information contained in the Registration
Statement. For more information about the Contracts and us, you may obtain a
copy of the Registration Statement in the manner set forth in the preceding
paragraph.

In addition, the SEC allows Hartford to "incorporate by reference" information
that Hartford files with the SEC into this prospectus, which means that
incorporated documents are considered part of this prospectus. Hartford can
disclose important information to you by referring you to those documents.
Information that Hartford files with the SEC will automatically update and
supercede the information in this prospectus.

This prospectus incorporates by reference the following documents:

(a) Our Annual Report on Form 10-K for the fiscal year ended December 31,
2005;

(b) Our Quarterly Report on Form 10-Q for the period ended March 31, 2006;
and

(c) Until this offering has been completed, any future filings we will make
with the SEC under Section 13(a), 13(c), 14 or 15(d) of the Securities
Exchange Act of 1934.

Statements in this prospectus, or in documents that we file later with the SEC
and that legally become part of this prospectus, may change or supercede
statements in other documents that are legally part of this prospectus.
Accordingly, only the statement that is changed or replaced will legally be a
part of this prospectus.

Hartford will provide without charge to each person to whom a copy of this
Prospectus has been delivered, upon the written or oral request of such person,
a copy of the document referred to above which has been incorporated by
reference in this Prospectus, other than exhibits to such document. Requests
for such copies should be directed to Hartford Life Insurance Company, P.O. Box
5085, Hartford, Connecticut 06102-5085, telephone: 1-800-862-6668.

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HARTFORD LIFE INSURANCE COMPANY 3

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TABLE OF CONTENTS

<Table>
<Caption>
PAGE
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DEFINITIONS 4
HIGHLIGHTS 5
THE CONTRACT 6
Annuity Payouts 12
Miscellaneous Provisions 14
Investments by Hartford 14
Amendment of Contracts 14
Assignment of Contracts 14
Distribution of Contracts 14
Distribution Arrangements 14
FEDERAL TAX CONSIDERATIONS 15
THE COMPANY 23
LEGAL OPINION 24
EXPERTS 24
APPENDIX A -- MODIFIED GUARANTEED ANNUITY FOR QUALIFIED PLANS 25
APPENDIX B -- MARKET VALUE ADJUSTMENT 26
</Table>

THIS PROSPECTUS DOES NOT CONSTITUTE AN OFFERING IN ANY JURISDICTION IN WHICH
SUCH OFFERING MAY NOT LAWFULLY BE MADE. NO DEALER, SALES PERSON, OR OTHER
PERSON IS AUTHORIZED TO GIVE ANY INFORMATION OR MAKE ANY REPRESENTATION IN
CONNECTION WITH THIS OFFERING OTHER THAN THOSE CONTAINED IN THIS PROSPECTUS,
AND, IF GIVEN OR MADE, SUCH OTHER INFORMATION OR REPRESENTATION MUST NOT BE
RELIED ON.

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4 HARTFORD LIFE INSURANCE COMPANY

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DEFINITIONS

These terms are capitalized when used throughout this prospectus. Please refer
to these defined terms if you have any questions as you read your prospectus.

ADMINISTRATIVE OFFICE OF THE COMPANY -- Our location and overnight mailing
address is: 200 Hopmeadow Street, Simsbury, Connecticut 06089. Our standard
mailing address is: Investment Product Services, P.O. Box 5085, Hartford, CT
06102-5085

ANNUITANT -- The person on whose life this Contract is issued. The Annuitant
may not be changed after your Contract has been issued.

ANNUITY COMMENCEMENT DATE -- The date we start to make Annuity Payouts.

CODE -- The Internal Revenue Code of 1986, as amended.

CONTINGENT ANNUITANT -- The person you designate to become the Annuitant if the
Annuitant dies prior to the Annuity Commencement Date.

CONTRACT -- The individual Annuity Contract and any endorsements or riders.
Group participants and some individuals will receive a certificate rather than
a Contract.

CONTRACT OWNER OR YOU -- The owner or holder of this Contract.

CONTRACT VALUE -- The sum of your Purchase Payment and all interest earned
minus any Surrenders and any applicable Premium Taxes.

CONTRACT YEAR -- The 12 months following the date you purchased your annuity
and then each subsequent year.

HARTFORD, WE, US OR OUR -- Hartford Life Insurance Company. Only Hartford is a
capitalized term in the prospectus.

JOINT ANNUITANT -- The person on whose life Annuity Payouts are based if the
Annuitant dies after the Annuity Calculation Date. You may name a Joint
Annuitant only if your Annuity Payout Option provides for a survivor. The Joint
Annuitant may not be changed.

MARKET VALUE ADJUSTMENT -- An adjustment that either increases or decreases the
amount we pay you under certain circumstances.

POWER OF ATTORNEY -- You may authorize another person to act on your behalf by
submitting a completed Power of Attorney form. Once we have the completed form
on file, we will accept instructions from your designated third party until we
receive instructions terminating the power of attorney in writing from you. You
may not be able to make changes to your Contract if you have authorized someone
else to act under a Power of Attorney.

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HARTFORD LIFE INSURANCE COMPANY 5

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HIGHLIGHTS

HOW DO I PURCHASE THIS ANNUITY?

You must complete our application or order request and submit it to us for
approval with your Purchase Payment. Your Purchase Payment must be at least
$5,000, unless this Contract is purchased as part of certain retirement plans.

> For a limited time, usually within ten days after you receive your annuity,
you may cancel it without paying a Surrender Charge. Your Purchase Payment
will be subject to a Market Value Adjustment.

WHAT IS A GUARANTEE PERIOD?

A Guarantee Period is the length of time you select for which Hartford
guarantees to pay you interest.

WHAT HAPPENS AT THE END OF EACH GUARANTEE PERIOD?

We will notify you of your options before the end of your Guarantee Period.
These options currently include:

- - Fully Surrendering your Contract,

- - Having your Contract Value rollover to a Subsequent Guarantee Period of the
same length of time,

- - Transferring to a Guarantee Period of a different duration,

- - Asking us to begin making Annuity Payouts,

- - Purchasing a variable annuity issued by Hartford, or

- - Any other option that may become available.

UNLESS WE RECEIVE WRITTEN INSTRUCTIONS FROM YOU SELECTING A DIFFERENT OPTION,
HARTFORD WILL ROLL YOUR CONTRACT VALUE INTO A SUBSEQUENT GUARANTEE PERIOD FOR
THE SAME LENGTH OF TIME. YOUR CONTRACT WILL RECEIVE THE INTEREST RATE WE HAVE
ESTABLISHED FOR THAT NEW GUARANTEE PERIOD.

CAN I TAKE OUT ANY OF MY MONEY?

You may Surrender all or part of your Contract Value or transfer to a
different Guarantee Period at any time before we start making Annuity Payouts.
You may not Surrender any of your Contract Value after we begin making Annuity
Payouts.

> You may have to pay a Surrender Charge.

We may charge you a Surrender Charge when you partially or fully Surrender
your annuity. The percentage of the Surrender Charge assessed will depend on
the length of time that has lapsed from the beginning of the Guarantee Period
in effect at the time you request your Surrender to the date we receive your
request for Surrender. You may take out all or some of the interest we have
credited to your Contract Value in the 12 months prior to your request without
a Surrender Charge.

> You may have a Market Value Adjustment.

If you request a Surrender, cancel during the right to examine period,
transfer to a new Guarantee Period, or begin to take Annuity Payouts before
the end of your Guarantee Period, the amount you receive will be modified to
include a Market Value Adjustment. A Market Value Adjustment, which is
described later, may decrease or increase the amount you receive, depending on
whether interest rates have risen or fallen since the beginning of your
Guarantee Period. You may take out all or some of the interest we have
credited to your Contract Value in the 12 months prior to your request without
a Market Value Adjustment.

> You may have to pay income tax on any money you take out and, if you
Surrender before you are age 59 1/2, you may have to pay an income tax
penalty.

WILL HARTFORD PAY A DEATH BENEFIT?

There is a Death Benefit if the Contract Owner, joint contract owner or
Annuitant die before we begin to make Annuity Payouts. This Death Benefit is
equal to the Contract Value on the date we receive a certified death
certificate or other proof of death acceptable to us.

Depending on the Annuity Payout Option you select, we may pay a Death Benefit
after we begin to make Annuity Payouts.

WHAT ANNUITY PAYOUT OPTIONS ARE AVAILABLE?

You may choose one of the following Annuity Payout Options: Life Annuity, Life
Annuity with a Cash Refund, Life Annuity with Payments for a Period Certain,
Joint and Last Survivor Life Annuity, Joint and Last Survivor Life Annuity
with Payments for a Period Certain, and Payments for a Period Certain. We may
make other Annuity Payout Options available at any time.

You must begin to take Annuity Payouts by end of the Guarantee Period
immediately following the Annuitant's 90th birthday or the end of the 10th
Contract Year, whichever is later, unless you elect a later date to begin
receiving payments subject to the laws and regulations then in effect and our
approval.

If the end of your Guarantee Period occurs after the Annuity Commencement
Date, we begin Annuity Payouts on the Annuity Commencement Date, unless you
change that date to coincide with the end of the Guarantee Period. If we begin
to make Annuity Payouts before the end of your Guarantee Period, a Market
Value Adjustment will be made to your Contract Value.

If you do not tell us what Annuity Payout Option you want before the Annuity
Commencement Date, we will make payments under the Life Annuity with a 10-year
Period Certain Annuity Payout Option.

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6 HARTFORD LIFE INSURANCE COMPANY

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THE CONTRACT

WHAT TYPES OF CONTRACTS ARE AVAILABLE?

The Contract is an individual tax-deferred modified guaranteed annuity
contract. It is designed for retirement planning purposes and may be purchased
by any individual, group, or trust, including:

- - IRAs adopted according to Section 408 of the Code;

- - Annuity purchase plans adopted by public school systems and certain tax-
exempt organizations according to Section 403(b) of the Code;

The examples above represent Qualified Contracts, as defined by the Code. In
addition, individuals and trusts can also purchase Contracts that are not part
of a tax qualified retirement plan. These are known as Non-Qualified Contracts.

If you are purchasing the Contract for use in an IRA or qualified retirement
plan, you should consider other features of the Contract besides tax deferral,
since any investment vehicle used within an IRA or qualified plan receives tax
deferred treatment under the Code.

This Contract is not available in Puerto Rico, Maryland or New York.

HOW DO I PURCHASE A CONTRACT?

You may purchase a Contract by completing and submitting an application or an
order request along with your Purchase Payment. For most Contracts, the minimum
Purchase Payment is $5,000, unless the Contract is purchased as part of certain
retirement plans. Prior approval is required for a Purchase Payment of
$1,000,000 or more.

You may not make additional Purchase Payments to this Contract, but you may
purchase a new contract. The new contracts may have different Guarantee Periods
and will earn interest at the rate set for those new contracts.

You must be of legal age in the state where the Contract is being purchased or
a guardian must act on your behalf.

HOW IS THE PURCHASE PAYMENT APPLIED TO MY CONTRACT?

Your Contract will be issued after we receive your Purchase Payment. Your
Purchase Payment becomes part of a non-unitized separate account established by
Hartford. You have no priority claim on assets in this separate account. All
assets of Hartford, including those in this separate account, are available to
meet Hartford's guarantees under the Contract and are available to meet the
general obligations of Hartford.

If the request or other information accompanying the Purchase Payment is
incomplete when we receive it, we will hold the money in a non-interest bearing
account for up to three weeks while we try to obtain complete information.

We will send you a confirmation after we apply your Purchase Payment.

CAN I CANCEL MY CONTRACT AFTER I PURCHASE IT?

We want you to be satisfied with the Contract you have purchased. We urge you
to closely examine its provisions. If for any reason you are not satisfied with
your Contract, simply return it within ten days after you receive it with a
written request for cancellation that indicates your tax-withholding
instructions. In some states, you may be allowed more time to cancel your
Contract. We will not deduct any Surrender Charge during this time, however a
Market Value Adjustment, which is described later, may apply. We may require
additional information, including a signature guarantee, before we can cancel
your Contract.

The amount we pay you upon cancellation depends on the requirements of the
state where you purchased your Contract, the method of purchase, the type of
Contract you purchased and your age.

WHAT IS A GUARANTEE PERIOD?

A Guarantee Period is the length of time you select for which Hartford
guarantees to pay you interest. There are two types of Guarantee Periods:
Initial Guarantee Periods and Subsequent Guarantee Periods.

WHAT IS AN INITIAL GUARANTEE PERIOD?

The Initial Guarantee Period is the first Guarantee Period when you purchase
your Contract. We currently offer Initial Guarantee Periods of five and ten
years. For Contract Owners under age 86 the Initial Guarantee Period is ten
years. For Contract Owners age 86 or older the Initial Guarantee Period is five
years. During the Initial Guarantee Period, your Contract earns interest at the
Initial Guarantee Rate, which will never be less than 3% on an annual basis.
The Initial Guarantee Rate depends on your Initial Guarantee Period. During the
Initial Guarantee Period we may, in our sole discretion, credit interest
greater than the Initial Guarantee Rate to all Contracts of the same Initial
Guarantee Period.

WHAT IS A SUBSEQUENT GUARANTEE PERIOD?

If you transfer to a new Guarantee Period or reach the end of your Initial
Guarantee Period and allow this Contract to "rollover" to another Guarantee
Period of the same length of time, this is a Subsequent Guarantee Period.
Basically, any Guarantee Period that is not an Initial Guarantee Period is a
Subsequent Guarantee Period. We currently offer Subsequent Guarantee Periods of
five, six, seven, eight, nine, and ten years. During a Subsequent Guarantee
Period, your Contract earns interest at the Subsequent Guarantee Rate, which
will never be less than 3% on an annual basis. The Subsequent Guarantee Rate
depends on the Subsequent Guarantee Period you select.

Hartford, in its sole discretion, determines the interest rates credited to
each Guarantee Period. These interest rates generally reflect prevailing
interest rates of other investments that are similar in nature and duration. In
computing our interest rates, we may also consider the impact of regulations,
taxes, sales commissions, administrative expenses, general economic trends

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HARTFORD LIFE INSURANCE COMPANY 7

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and competitive factors. Contracts with Purchase Payments of $1,000,000 or more
may earn interest at a different rate than other Contracts with the same
Guarantee Period. Hartford or its agents cannot predict nor guarantee our
future interest rates.

CAN I TRANSFER INTO A DIFFERENT GUARANTEE PERIOD?

Once each Contract Year, beginning after the first Contract Year, you may
transfer from your Guarantee Period into a Guarantee Period of a different
duration, provided the new Guarantee Period you select is at least five years
or longer. There is no Surrender Charge for such a transfer. While we currently
do not impose a transfer charge, we reserve the right to charge a fee of up to
$50 for each transfer. A Market Value Adjustment, which is described later,
will be applied to your Contract Value at the time of transfer, unless the
transfer occurs at the end of the Guarantee Period. The amount transferred into
the new Guarantee Period is equal to the Contract Value of the old Guarantee
Period on the date of the transfer minus or plus the Market Value Adjustment.

While you may transfer to a different Guarantee Period with a duration of 5
years or more, you cannot transfer into a Guarantee Period with a duration that
will take you past your Annuity Commencement Date. That means that if you
elected to begin Annuity Payouts on your Annuitant's 90th birthday and your
Annuitant is 87 years old, you would not be able to transfer into a new
Guarantee Period unless you extended your Annuity Commencement Date.

WHAT HAPPENS AT THE END OF EACH GUARANTEE PERIOD?

We will notify you of your options before the end of your Guarantee Period.
These options currently include:

- - Fully Surrendering your Contract,

- - Having your Contract Value rollover to a Subsequent Guarantee Period of the
same length of time,

- - Transferring to a Guarantee Period of a different duration,

- - Asking us to begin making Annuity Payouts,

- - Purchase a variable annuity from Hartford, or

- - Any other option that may become available.

Unless we receive written instructions from you selecting a different option,
Hartford will roll your Contract Value into a Subsequent Guarantee Period of
the same length of time. Your Contract will receive the interest rate we have
established for that new Guarantee Period. If we roll your Contract Value into
a Subsequent Guarantee Period because we have not received any other
instructions from you, Hartford will, for some period of time after the end of
your Guarantee Period, allow you to exercise a different option. Currently, we
will allow 21 days after the end of a Guarantee Period to request a different
option. However, Hartford reserves the right to change or terminate this
administrative processing period. A request for a different option received
during this time will be treated as if it was received prior to the end of the
current Guarantee Period. However, a request to transfer to another Guarantee
Period of a different duration is processed as of the date we receive the
request and receives the interest rate credited to that Guarantee Period as of
that date.

If you rollover into a Subsequent Guarantee Period or transfer to a Guarantee
Period of a different duration, you cannot rollover or transfer into a
Guarantee Period with a duration that will take you past your Annuity
Commencement Date. That means that if you elected to begin Annuity Payouts on
your Annuitant's 90th birthday and your Annuitant is 87 years old, you would
not be able to rollover or transfer into a new Guarantee Period with a duration
longer than three years unless you extended your Annuity Commencement Date.

HOW IS THE VALUE OF MY CONTRACT CALCULATED BEFORE THE ANNUITY COMMENCEMENT
DATE?

We calculate your Contract Value by deducting any applicable Premium Tax from
your Purchase Payment, or your rollover value, if you are in a Subsequent
Guarantee Period. We then credit your Contract Value on a daily basis with an
amount that is equivalent to your Guarantee Period's interest rate on an annual
basis and deduct any partial Surrenders.

The following example shows how interest would be credited to your Contract
Value. The example assumes you purchased a Contract with a five-year Guarantee
Period crediting a hypothetical Initial Guarantee Rate of 5% on an annual
basis. The example assumes no money is taken from the Contract during the
Guarantee Period. We are using a hypothetical interest rate of 5%. This
interest rate is for illustration only and is no indication of future interest
rates. Actual interest rates may be more or less than those shown.

<Table>

Year one $ 10,000 Purchase Payment or rollover value
$ 500 total year's interest payments
---------
$ 10,500 end of year Contract Value

Year two $ 10,500 beginning Contract Value
$ 525 total year's interest payments
---------
$ 11,025 end of year Contract Value

Year three $ 11,025 beginning Contract Value
$ 551 total year's interest payments
---------
$ 11,576 end of year Contract Value
</Table>

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<Table>

Year four $ 11,576 beginning Contract Value
$ 579 total year's interest payments
---------
$ 12,155 end of year Contract Value

Year five $ 12,155 beginning Contract Value
$ 608 total year's interest payments
---------
$ 12,763 end of year Contract Value
</Table>

Once each Contract Year, we will send you a statement which shows

> your Contract Value as of the end of the preceding Contract Year,

> any money you take out of your Contract during the Contract Year,

> your Contract Value at the end of the current Contract Year, and

> the annual rate of interest being credited to your Contract.

FEES AND CHARGES

WHAT HAPPENS IF I REQUEST A SURRENDER BEFORE THE END OF THE GUARANTEE PERIOD?

We don't charge you a sales charge when you purchase this Contract or assess
any annual fees. However, if you want to take money out of the Contract before
the end of your Guarantee Period, there are two charges we may assess, plus a
Market Value Adjustment that may, at times, result in a deduction. The two
charges are Premium Tax and a Surrender Charge.

X PREMIUM TAXES

We deduct Premium Taxes, if required, by a state or other government agency.
Some states collect the taxes when Purchase Payments are made; others collect
at annuitization. Since we pay Premium Taxes when they are required by
applicable law, we may deduct them from your Contract when we pay the taxes,
upon Surrender, or on the Annuity Commencement Date. The Premium Tax rate
varies by state or municipality. Currently, the maximum rate charged by any
state is 5.0%.

X SURRENDER CHARGE -- The Surrender Charge covers some of the expenses
relating to the sale and distribution of the Contract, including commissions
paid to registered representatives and the cost of preparing sales
literature and other promotional activities.

We assess a Surrender Charge when you request a full or partial Surrender,
unless your Surrender occurs at the end of a Guarantee Period. The percentage
we assess for the Surrender Charge varies according to the length of time
between the beginning of the Guarantee Period in effect at the time of your
Surrender and the date of your request for Surrender. When you request a
Surrender, we deduct the dollar amount you request from your Contract Value.
Then we subtract any interest we have credited to your Contract in the 12
months prior to the request for Surrender that has not already been withdrawn
from the amount requested for Surrender. This difference is then the amount
subject to a Surrender Charge. We then determine the appropriate percentage of
Surrender Charge, if any, to be deducted by calculating the length of time the
money has been part of your present Guarantee Period. We deduct the percentage
of the amount Surrendered from the amount you requested, and, provided there is
no Market Value Adjustment, pay you that amount.

If you are in your Initial Guarantee Period, the percentage we deduct is equal
to:

<Table>
<Caption>
NUMBER OF YEARS FROM THE
BEGINNING OF THE INITIAL
GUARANTEE PERIOD SURRENDER CHARGE
- -------------------------------------------------

1 10%
2 9%
3 7%
4 5%
5 3%
6 2%
7 2%
8+ 2%
</Table>

If you are in a Subsequent Guarantee Period, the percentage we deduct is equal
to:

<Table>
<Caption>
NUMBER OF YEARS FROM THE
BEGINNING OF ANY
SUBSEQUENT GUARANTEE PERIOD SURRENDER CHARGE
- --------------------------------------------------

1 4%
2 3%
3 2%
4 2%
5 2%
6 2%
7 2%
8+ 2%
</Table>

THE FOLLOWING SITUATIONS ARE NOT SUBJECT TO A SURRENDER CHARGE:

- - Surrenders made at the end of a Guarantee Period.

- - Surrender of interest that has been credited to the Contract Value during the
12 months prior to the Surrender that has not previously been withdrawn.

- - Upon death of the Annuitant, joint owner or Contract Owner.

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HARTFORD LIFE INSURANCE COMPANY 9

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- - Upon Annuitization.

- - Upon cancellation during the right to examine period.

- - Required Minimum Distributions from IRAs or 403(b) plans.

SURRENDERS MADE UNDER THE NURSING HOME WAIVER RIDER. We will waive any
Surrender Charge applicable to a partial or full Surrender if you, the joint
owner or the Annuitant, is confined for at least 180 calendar days to a: (a)
hospital recognized as a general hospital by the proper authority of the state
in which it is located; or (b) hospital recognized as a general hospital by the
Joint Commission on the Accreditation of Hospitals; or (c) facility certified
by Medicare as a hospital or long-term care facility; or (d) nursing home
licensed by the state in which it is located and offers the services of a
registered nurse 24 hours a day. If you, the joint owner or the Annuitant is
confined when you purchase the Contract, this waiver is not available. For the
waiver to apply, you must: (a) have owned the Contract continuously since it
was issued, (b) provide written proof of confinement satisfactory to us, and
(c) request the Surrender within 91 calendar days of the last day of
confinement. Your confinement must be at the recommendation of a physician for
medically necessary reasons. This waiver may not be available in all states.
Please contact your registered representative or us to determine if it is
available for you.

MARKET VALUE ADJUSTMENT

If you request to Surrender, cancel during the right to examine period,
transfer to a new Guarantee Period or ask that we begin to make Annuity Payouts
at any time other than at the end of your Guarantee Period, we may apply a
Market Value Adjustment. That means that the amount we pay you for a Surrender
or the Contract Value we transfer to a new Guarantee Period or use to determine
your Annuity Payouts will be adjusted up or down.

The Market Value Adjustment reflects both the amount of time left in your
Guarantee Period, and, the difference between the Guarantee Rate credited to
your current Guarantee Period and the interest rate we are crediting to a new
Guarantee Period with a duration equal to the amount of time left in your
Guarantee Period. If your Guarantee Period's interest rate is lower than the
interest rate we are currently crediting the new Guarantee Period, then the
application of the Market Value Adjustment will reduce the amount you receive.
Conversely, if your Guarantee Period's interest rate is higher than the
interest rate we are crediting for the new Guarantee Period, then the
application of the Market Value Adjustment will increase the amount you
receive.

For example, assume you purchase a Contract with an Initial Guarantee Period of
ten years crediting interest at an Initial Guarantee Rate of 8% on an annual
basis. You request a partial Surrender at the end of the seventh Contract Year.
At that time you request a Surrender, Hartford's interest rate was 6% on an
annual basis for Subsequent Guarantee Periods with a three-year duration, the
amount of time left in your Initial Guarantee Period. Then the amount payable
upon partial Surrender will increase after the application of the Market Value
Adjustment. On the other hand, if Hartford was crediting an interest rate
higher than your 8% Initial Guarantee Rate, then the application of the Market
Value Adjustment will decrease the amount payable to you upon partial
Surrender.

The Market Value Adjustment will apply to any request to Surrender, cancel
during the right to examine period, transfer to a new Guarantee Period prior to
the end of a Guarantee Period, or if you ask us to begin Annuity Payouts prior
to the end of a Guarantee Period except:

- - Previous 12 months' interest payments that you ask us to send to you that you
have not previously Surrendered.

- - Distributions made due to death.

- - Payments we make to you as part of your Annuity Payout.

The actual formula for calculating the Market Value Adjustment is set forth in
the Appendix B that also contains an additional illustrations of the
application of the Market Value Adjustment.

Since the interest rates Hartford credits may reflect, in part, the investment
yields available to Hartford (see "Investments by Hartford"); the Market Value
Adjustment may also reflect, in part, the levels of such yields. It is
possible, therefore, that should such yields increase significantly from the
time you purchased your Contract, coupled with the application of the Surrender
Charges, the amount you would receive upon a full Surrender of your Contract
could be less than your original Purchase Payment.

WE MAY OFFER, IN OUR DISCRETION, REDUCED FEES AND CHARGES FOR CERTAIN CONTRACTS
THAT MAY RESULT IN DECREASED COSTS AND EXPENSES. REDUCTIONS IN THESE FEES AND
CHARGES WILL NOT BE UNFAIRLY DISCRIMINATORY AGAINST ANY CONTRACT OWNER.

SURRENDERS

ARE THERE ANY RESTRICTIONS ON PARTIAL SURRENDERS?

If you request a partial Surrender before we begin to make Annuity Payouts,
there are two restrictions:

- - The amount you want to Surrender must be at least equal to $1,000, our
current minimum for partial Surrenders, and

- - The Contract must have a minimum Contract Value of $5,000 after the
Surrender.

The above restrictions do not apply if you Surrender interest that has been
credited to the Contract Value during the 12 months prior to Surrender.

We reserve the right to terminate your Contract and pay you the Contract Value
minus any applicable charges or adjustments if your Contract Value is under the
minimum after the Surrender.

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10 HARTFORD LIFE INSURANCE COMPANY

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HOW DO I REQUEST A SURRENDER?

Requests for Surrenders must be in writing. To request a full or partial
Surrender, complete a Surrender Form or send us a letter, signed by you,
stating:

- - the dollar amount that you want to receive, either before or after we
withhold taxes and deduct for any applicable charges,

- - your tax withholding amount or percentage, if any, and

- - your mailing address.

If there are joint Contract Owners, both must authorize all Surrenders.

We may defer payment of any partial or full Surrender for a period not
exceeding six months from the date of our receipt of your notice of Surrender
or the period permitted by state insurance law, if less. We may defer a
Surrender payment more than 10 days and, if we do, we will pay interest of at
least 3% per annum on the amount deferred.

WHAT SHOULD BE CONSIDERED ABOUT TAXES?

There are certain tax consequences associated with Surrenders:

PRIOR TO AGE 59 1/2 -- If you make a Surrender prior to age 59 1/2, there may
be adverse tax consequences including a 10% federal income tax penalty on the
taxable portion of the Surrender payment. Surrendering before age 59 1/2 may
also affect the continuing tax-qualified status of some Contracts.

WE DO NOT MONITOR SURRENDER REQUESTS. TO DETERMINE WHETHER A SURRENDER IS
PERMISSIBLE, WITH OR WITHOUT FEDERAL INCOME TAX PENALTY, PLEASE CONSULT YOUR
PERSONAL TAX ADVISER.

MORE THAN ONE CONTRACT ISSUED IN THE SAME CALENDAR YEAR -- If you own more than
one Contract issued by us or our affiliates in the same calendar year, then
these Contracts may be treated as one Contract for the purpose of determining
the taxation of distributions prior to the Annuity Commencement Date. Please
consult your tax adviser for additional information.

INTERNAL REVENUE CODE SECTION 403(B) ANNUITIES -- As of December 31, 1988, all
section 403(b) annuities have limits on full and partial Surrenders.
Contributions to your Contract made after December 31, 1988 and any increases
in cash value after December 31, 1988 may not be distributed unless you are:
(a) age 59 1/2, (b) no longer employed, (c) deceased, (d) disabled, or (e)
experiencing a financial hardship (cash value increases may not be distributed
for hardships prior to age 59 1/2). Distributions prior to age 59 1/2 due to
financial hardship; unemployment or retirement may still be subject to a
penalty tax of 10%.

WE ENCOURAGE YOU TO CONSULT WITH YOUR TAX ADVISER BEFORE MAKING ANY SURRENDERS.
PLEASE SEE THE "FEDERAL TAX CONSIDERATIONS" SECTION FOR MORE INFORMATION.

DEATH BENEFIT

WHAT IS THE DEATH BENEFIT AND HOW IS IT CALCULATED?

Before we begin to make Annuity Payouts, we will pay a Death Benefit upon the
death of the Contract Owner, joint owner, or the Annuitant, if there is no
surviving Contingent Annuitant. The Death Benefit is calculated when we receive
a certified death certificate or other legal document acceptable to us. The
Death Benefit we pay is equal to the Contract Value on the date we receive the
certified death certificate or other legal document.

HOW IS THE DEATH BENEFIT PAID?

The Death Benefit may be taken in one lump sum or under any of the Annuity
Payout Options then being offered by us. On the date we receive complete
instructions from the Beneficiary, we will compute the Death Benefit amount to
be paid out or applied to a selected Annuity Payout Option. When there is more
than one Beneficiary, we will calculate the Death Benefit amount for each
Beneficiary's portion of the proceeds and then pay it out or apply it to a
selected Annuity Payout Option according to each Beneficiary's instructions
acceptable to us.

If the Contract Owner dies before we begin to make Annuity Payouts, the
Beneficiary may elect to leave proceeds from the Death Benefit with us for up
to five years from the date of the Contract Owner's death under the Annuity
Proceeds Settlement Option "Death Benefit Remaining with the Company." The
proceeds will remain in the same Guarantee Period in effect at the time of
death and receive the same interest rate credited to that Contract. If the
Guarantee Period has more than five years remaining, then Hartford will, before
the completion of the 5th Contract Year after the death of the Contract Owner,
terminate the Contract and waiving all Surrender Charges, pay the Contract
Value to the Beneficiary. A Market Value Adjustment will be applicable.

The Beneficiary of a non-qualified Contract or IRA may also elect the "Single
Life Expectancy Only" option. This option allows the Beneficiary to take the
Death Benefit in a series of payments spread over a period equal to the
Beneficiary's remaining life expectancy. Distributions are calculated based on
IRS life expectancy tables. This option is subject to different limitations and
conditions depending on whether the Contract is non-qualified or an IRA.

REQUIRED DISTRIBUTIONS -- If the Contract Owner dies before the Annuity
Commencement Date, the Death Benefit must be distributed within five years
after death. The Beneficiary can choose any Annuity Payout Option that results
in complete Annuity Payout within five years.

If the Contract Owner dies on or after the Annuity Commencement Date under an
Annuity Payout Option with a Payout upon Death Benefit, any remaining value
must be distributed at least as rapidly as under the Annuity Payout Option
being used as of the Contract Owner's death.

If the Contract Owner is not an individual (e.g. a trust), then the original
Annuitant will be treated as the Contract Owner in the situations described
above and any change in the original Annuitant will be treated as the death of
the Contract Owner.

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HARTFORD LIFE INSURANCE COMPANY 11

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WHAT SHOULD THE BENEFICIARY CONSIDER?

ALTERNATIVES TO THE REQUIRED DISTRIBUTIONS -- The selection of an Annuity
Payout Option and the timing of the selection will have an impact on the tax
treatment of the Death Benefit. To receive favorable tax treatment, the Annuity
Payout Option selected: (a) cannot extend beyond the Beneficiary's life or life
expectancy, and (b) must begin within one year of the date of death.

If these conditions are NOT met, the Death Benefit will be treated as a lump
sum payment for tax purposes. This sum will be taxable in the year in which it
is considered received.

SPOUSAL CONTRACT CONTINUATION -- If the Contract Owner dies, the Contract
Owner's spouse, if named as a Beneficiary, may elect to continue the Contract
as the new Contract Owner. This spousal continuation is available only once for
each Contract. The spouse may, in the alternative, elect to receive the Death
Benefit in one lump sum payment or have the Death Benefit paid under one of the
Annuity Payout Options.

WHO WILL RECEIVE THE DEATH BENEFIT?

The distribution of the Death Benefit is based on whether death is before, on
or after the Annuity Commencement Date.

IF DEATH OCCURS BEFORE THE ANNUITY COMMENCEMENT DATE:

<Table>

IF THE DECEASED IS THE . . . AND . . . AND . . . THEN THE . . .
Contract Owner There is a surviving joint The Annuitant is living or Joint Contract Owner receives
Contract Owner deceased the Death Benefit.
Contract Owner There is no surviving joint The Annuitant is living or Designated Beneficiary receives
Contract Owner deceased the Death Benefit.
Contract Owner There is no surviving joint The Annuitant is living or Contract Owner's estate
Contract Owner or surviving deceased receives the Death Benefit.
Beneficiary
Annuitant The Annuitant is also the There is no named Contingent Designated Beneficiary receives
Contract Owner Annuitant the Death Benefit.
Annuitant The Contract Owner is a trust There is no named Contingent The Contract Owner receives the
or other non-natural person Annuitant Death Benefit.
Annuitant The Contract Owner is living There is no named Contingent The Contract Owner is presumed
Annuitant to be the Contingent Annuitant
and the Contract continues.The
Contract Owner may waive this
presumption and receive the
Death Benefit.
Annuitant The Contract Owner is living The Contingent Annuitant is Contingent Annuitant becomes
living the Annuitant, and the Contract
continues.
</Table>

IF DEATH OCCURS ON OR AFTER THE ANNUITY COMMENCEMENT DATE:

<Table>

IF THE DECEASED IS THE . . . AND . . . THEN THE . . .
Contract Owner The Annuitant is living Designated Beneficiary becomes the Contract
Owner, and the payments continue.
Annuitant The Contract Owner is living Contract Owner receives the Death Benefit.
Annuitant The Annuitant is also the Contract Owner Designated Beneficiary receives the Death
Benefit.
</Table>

THESE ARE THE MOST COMMON DEATH BENEFIT SCENARIOS, HOWEVER, THERE ARE OTHERS.
SOME OF THE ANNUITY PAYOUT OPTIONS MAY NOT RESULT IN THE PAYMENT OF A DEATH
BENEFIT. IF YOU HAVE QUESTIONS ABOUT THESE AND ANY OTHER SCENARIOS, PLEASE
CONTACT YOUR REGISTERED REPRESENTATIVE OR US.

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12 HARTFORD LIFE INSURANCE COMPANY

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ANNUITY PAYOUTS

This section describes what happens when we begin to make regular Annuity
Payouts from your Contract. You, as the Contract Owner, should answer four
questions:

1. When do you want Annuity Payouts to begin?

2. What Annuity Payout Option do you want to use?

3. How often do you want the Payee to receive Annuity Payouts?

4. How are Annuity Payouts calculated?

Please check with your Registered Representative to select the Annuity Payout
Option that best meets your income needs.

1. WHEN DO YOU WANT ANNUITY PAYOUTS TO BEGIN?

You select an Annuity Commencement Date when you purchase your Contract or at
any time before we begin making Annuity Payouts. You may change the Annuity
Commencement Date by notifying us before we begin to make Annuity Payouts.

The Annuity Commencement Date cannot be deferred beyond the end of the
Guarantee Period immediately following the Annuitant's 90th birthday or the end
of the Guarantee Period immediately following the end of the 10th Contract
Year, whichever is later, unless you elect a later date to begin receiving
payments, subject to the laws and regulations then in effect and our approval.
Unless you elect an Annuity Payout Option before the Annuity Commencement Date,
we will begin to make Annuity Payouts under the Life Annuity with a 10-Year
Period Certain Annuity Payout Option.

If the Annuity Commencement Date does not coincide with the end of a Guarantee
Period, a Market Value Adjustment will apply. In that case, Hartford will
determine the amount available for Annuity Payouts by taking your Contract
Value, deducting any applicable Premium Taxes and then multiplying that amount
by the Market Value Adjustment. No Market Value Adjustment will apply if the
Annuity Commencement Date coincides with the end of your Guarantee Period.

All Annuity Payouts, regardless of frequency, will occur on the same day of the
month as the Annuity Commencement Date.

Once you pass the Annuitant's 90th birthday or the end of your 10th Contract
Year, some Guarantee Period durations, may not be available.

In New York, you must give Hartford 30 days advance written notice of your
intent to change your Annuity Commencement Date, and cannot defer that date
past the Annuitant's 90th birthday.

2. WHICH ANNUITY PAYOUT OPTION DO YOU WANT TO USE?

Your Contract contains the Annuity Payout Options described below. We may at
times offer other Annuity Payout Options. Once Annuity Payouts begin, you
cannot change the Annuity Payout Option.

LIFE ANNUITY -- We make Annuity Payouts as long as the Annuitant is living.
When the Annuitant dies, we stop making Annuity Payouts. A Payee would receive
only one Annuity Payout if the Annuitant dies after the first Payout, two
Annuity Payouts if the Annuitant dies after the second Payout, and so forth.

LIFE ANNUITY WITH A CASH REFUND -- We make Annuity Payouts as long as the
Annuitant is living. When the Annuitant dies, we stop making Annuity Payouts.
At the death of the Annuitant, if the Contract Value on the Annuity
Commencement Date minus any Premium Tax is greater than the sum of all Annuity
Payouts already made, any difference will be paid to the Beneficiary.

LIFE ANNUITY WITH PAYMENTS FOR A PERIOD CERTAIN -- We make Annuity Payouts
during the lifetime of the Annuitant but Annuity Payouts are at least
guaranteed for a period of time you select between 5 years and 100 years minus
the age of the Annuitant. If, at the death of the Annuitant, Annuity Payouts
have been made for less than the minimum elected number of years, then the
Beneficiary may elect to (a) continue Annuity Payouts for the remainder of the
minimum elected number of years or (b) receive the commuted value in one sum.

JOINT AND LAST SURVIVOR LIFE ANNUITY -- We will make Annuity Payouts as long as
either the Annuitant or Joint Annuitant are living. When one Annuitant dies, we
continue to make Annuity Payouts to the other Annuitant until that second
Annuitant dies. When choosing this option, you must decide what will happen to
the Annuity Payouts after the first Annuitant dies. You must select Annuity
Payouts that:

- - Remain the same at 100%, or

- - Decrease to 66.67%, or

- - Decrease to 50%.

The percentages represent actual dollar amounts. The percentage will also
impact the Annuity Payout amount we pay while both Annuitants are living. If
you pick a lower percentage, your original Annuity Payouts will be higher while
both Annuitants are alive.

JOINT AND LAST SURVIVOR LIFE ANNUITY WITH PAYMENTS FOR A PERIOD CERTAIN -- We
will make Annuity Payouts as long as either the Annuitant or Joint Annuitant
are living, but Annuity Payouts are at least guaranteed for a period of time
you select between 5 years and 100 years minus the age of the Annuitant. If, at
the death of the last Annuitant, Annuity Payouts have been made for less than
the minimum elected number of years, then the Beneficiary may elect to (a)
continue Annuity Payouts for

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HARTFORD LIFE INSURANCE COMPANY 13

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the remainder of the minimum elected number of years or (b) receive the
commuted value in one sum. When one Annuitant dies, we continue to make Annuity
Payouts to the other Annuitant until that second Annuitant dies. When choosing
this option, you must decide what will happen to the Annuity Payouts after the
first Annuitant dies and the Period Certain has ended. You must select Annuity
Payouts that:

- - Remain the same at 100%, or

- - Decrease to 66.67%, or

- - Decrease to 50%.

PAYMENTS FOR A PERIOD CERTAIN -- We will make Annuity Payouts for the number of
years that you select. During the first Contract Year, you can select any
period of time between 10 years and 100 years minus the Annuitant's age. After
the first Contract Year, you can select any period of time between 5 and 100
years minus the Annuitant's age. If, at the death of the Annuitant, Annuity
Payouts have been made for less than the period certain, then the Beneficiary
may elect to (a) continue Annuity Payouts for the remainder of the minimum
elected number of years or (b) receive the commuted value in one sum.

IMPORTANT INFORMATION:

- - YOU CANNOT SURRENDER YOUR CONTRACT ONCE ANNUITY PAYOUTS BEGIN.

- - For Qualified Contracts, if you elect an Annuity Payout Option with a Period
Certain, the guaranteed number of years must be less than the life expectancy
of the Annuitant at the time the Annuity Payouts begin. We compute life
expectancy using the IRS mortality tables.

- - AUTOMATIC ANNUITY PAYMENTS -- If you do not elect an Annuity Payout Option,
Annuity Payouts will automatically begin on the Annuity Commencement Date
under the Life Annuity with Payments for a Period Certain Annuity Payout
Option with a ten-year period certain.

3. HOW OFTEN DO YOU WANT THE PAYEE TO RECEIVE ANNUITY PAYOUTS?

In addition to selecting an Annuity Commencement Date and an Annuity Payout
Option, you must also decide how often you want the Payee to receive Annuity
Payouts. You may choose to receive Annuity Payouts:

- - monthly,

- - quarterly,

- - semi-annually, or

- - annually.

Once you select a frequency, it cannot be changed after the Annuity
Commencement Date. If you do not make a selection, the Payee will receive
monthly Annuity Payouts. The first payment must be at least equal to the
minimum payment amount according to our rules then in effect. If at any time,
payments become less than the minimum payment amount, we have the right to
change the payment frequency to meet the minimum payment requirements. If any
payment amount is less than the minimum annual payment amount, we may make an
alternative arrangement with you.

4. HOW ARE ANNUITY PAYOUTS CALCULATED?

The Tables in the Contract provide for guaranteed dollar amounts of monthly
payments for each $1,000 applied under the Annuity Payout Options. Under the
Life Annuity, Life Annuity with Cash Refund and Life Annuity with Payments for
a Period Certain, the amount of each Annuity Payout will depend upon the age
and gender of the Annuitant at the time the first Annuity Payout is due. Under
the Joint and Last Survivor Life Annuity and Joint and Last Survivor Life
Annuity with Payments for a Period Certain, the amount of the first Annuity
Payout will depend upon the gender of both Annuitants and their ages at the
time the Annuity Payout is due.

Gender will not be used to determine the amount of the Annuity Payouts if the
Contract is issued to qualify under certain sections of the Code. If gender is
used to determine the amount of Annuity Payouts, the Annuity tables in the
Contract will provide rates of payment for male Annuitants and female
Annuitants.

The fixed payment Annuity tables for the Annuity Payout Options, except for
Payments for a Period Certain Annuity Payout Option are based on the 1983a
Individual Annuity Mortality Table projected to the year 2000 using Projection
Scale G and an interest rate of 2.5%. The table for the Payments for a Period
Certain Annuity Payout Option is based on an interest rate of 2.5% per annum.

The Annuity tables for the Annuity Payout Options, except for Payments for a
Period Certain Annuity Payout Option are age dependent. For Annuity payments
beginning after 2000, the amount of the first payment will be based on an age a
specified number of years younger than the Annuitant's then attained age. The
age setback is as follows:

<Table>
<Caption>
DATE OF FIRST PAYMENT AGE SETBACK
- --------------------------------------------------

Prior to 2005 1 year
2005 - 2014 2 years
2015 - 2019 3 years
2020 - 2029 4 years
2030 - 2039 5 years
2040 or later 6 years
</Table>

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14 HARTFORD LIFE INSURANCE COMPANY

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MISCELLANEOUS PROVISIONS

INVESTMENTS BY HARTFORD

Assets of Hartford must be invested in accordance with the requirements
established by applicable state laws regarding the nature and quality of
investments that may be made by life insurance companies and the percentage of
their assets that may be committed to any particular type of investment. In
general, these laws permit investments, within specified limits and subject to
certain qualifications, in federal, state and municipal obligations, corporate
bonds, preferred and common stocks, real estate mortgages, real estate and
certain other investments.

Contract reserves will be accounted for in a non-unitized separate account.
Contract Owners have no priority claims on assets accounted for in this
separate account. All assets of Hartford, including those accounted for in this
separate account, are available to meet the guarantees under the Contracts and
are available to meet the general obligations of Hartford.

Nonetheless, in establishing Guarantee Rates and Current Rates, Hartford
intends to take into account the yields available on the instruments in which
it intends to invest the proceeds from the Contracts. (See "Guarantee Rates").
Hartford's investment strategy with respect to the proceeds attributable to the
Contracts will generally be to invest in investment-grade debt instruments
having durations tending to match the applicable Guarantee Periods.

Investment-grade debt instruments in which Hartford intends to invest the
proceeds from the Contracts include:

Securities issued by the United States Government or its agencies or
instrumentalities, which issues may or may not be guaranteed by the United
States Government.

Debt securities which have an investment grade, at the time of purchase, within
the four highest grades assigned by Moody's Investors Services, Inc. (Aaa, Aa,
A or Baa), Standard & Poor's Corporation (AAA, AA, A or BBB) or any other
nationally recognized rating service.

Other debt instruments, including, but not limited to, issues of or guaranteed
by banks or bank holding companies and corporations, which obligations,
although not rated by Moody's Investors Services, Inc. or Standard & Poor's
Corporation are deemed by Hartford's management to have an investment quality
comparable to securities which may be purchased as stated above.

While the foregoing generally describes our investment strategy with respect to
the proceeds attributable to the Contracts, we are not obligated to invest the
proceeds attributable to the Contract according to any particular strategy,
except as may be required by Connecticut and other state insurance laws.

AMENDMENT OF CONTRACTS

We may modify the Contract, but no modification will affect the amount or term
of any Contract unless a modification is required to conform the Contract to
applicable Federal or State law. No modification will affect the method by
which Contract Values are determined. We will notify you in writing of any
modifications.

ASSIGNMENT OF CONTRACTS

Ownership of this Contract is generally assignable. However, if the
Contract is issued to a tax qualified retirement plan, it is possible that the
ownership of the Contract may not be transferred or assigned. An assignment of
a Non- Qualified Contract may subject the Contract Values or Surrender Value to
income taxes and certain penalty taxes.

HOW CONTRACTS ARE SOLD -- Hartford Securities Distribution Company, Inc.
("HSD") serves as principal underwriter for the Contracts which are offered on
a continuous basis. HSD is registered with the Securities and Exchange
Commission under the 1934 Act as a broker-dealer and is a member of the NASD.
The principal business address of HSD is the same as ours.

Contracts will be sold by individuals who have been appointed by us as
insurance agents and who are registered representatives of broker-dealers that
have entered into selling agreements with HSD. We generally bear the expenses
of providing services pursuant to Contracts, including the payment of expenses
relating to the distribution of prospectuses for sales purposes as well as any
advertising or sales literature (provided, however, we may offset some or all
of these expenses by, among other things, administrative service fees received
from Fund complexes).

Commissions -- We pay compensation to broker-dealers, financial
institutions and other affiliated broker-dealers ("Financial Intermediaries")
for the sale of the Contracts according to selling agreements with Financial
Intermediaries. Affiliated broker-dealers also employ wholesalers in the sales
process. Wholesalers typically receive commissions based on the type of
Contract or optional benefits sold. Commissions are based on a specified amount
of Premium Payments or Contract Value. Your Registered Representative may be
compensated on a fee for services and/or commission basis.

We pay an up-front commission of up to 7% of your Contract Value at the
time of sale to the Financial Intermediary that your Registered Representative
is associated with. Your Registered Representative's Financial Intermediary may
also receive on-going or trail commissions of generally not more than 1% of
your Contract Value. Commissions range from 1% for Access Contracts to 7% for
Core Contracts. Registered Representatives may have multiple options on how
they wish to allocate their commissions and/or compensation. Compensation paid
to your Registered Representative may also vary depending on the particular
arrangements between your Registered Representative and their Financial
Intermediary. We are not involved in determining your Registered
Representative's compensation. You are encouraged to ask your Registered
Representative about the basis upon which he or she will be personally
compensated for the advice or recommendations provided in connection with this
transaction.

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HARTFORD LIFE INSURANCE COMPANY 15

- ----------------------------------------------------------------------------

Additional Payments -- In addition to commissions and any Rule 12b-1 fees,
we or our affiliates pay significant additional compensation ("Additional
Payments") to some Financial Intermediaries (who may or may not be affiliates),
in connection with the promotion, sale and distribution of our variable
annuities. Additional Payments are generally based on average net assets (or on
aged assets) of the Contracts attributable to a particular Financial
Intermediary; on sales of the Contracts attributable to a particular Financial
Intermediary and/or on reimbursement of sales expenses. Additional Payments may
take the form of, among other things: (1) sponsorship of due diligence meetings
to educate Financial Intermediaries about our variable products; (2) payments
for providing training and information relating to our variable products; (3)
expense allowances and reimbursements; (3) override payments and bonuses; (4)
personnel education or training; (5) marketing support fees (or allowances) for
providing assistance in promoting the sale of our variable products; and/or (6)
shareholder services, including sub-accounting and the preparation of account
statements and other communications.

We are among several insurance companies that pay Additional Payments to
certain Financial Intermediaries to receive "preferred" or recommended status.
These privileges include our ability to gain additional or special access to
sales staff, provide and/or attend training and other conferences; placement of
our products on customer lists ("shelf-space arrangements"); and otherwise
improve sales by featuring our products over others. We also may pay Additional
Payments to certain key Financial Intermediaries based on assets under
management.

Consistent with NASD Conduct Rules, we provide cash and non-cash
compensation in the form of: (1) occasional meals and entertainment; (2)
occasional tickets to sporting events; (3) nominal gifts (not to exceed $100
annually); (4) sponsorship of sales contests and/or promotions in which
participants receive prizes such as travel awards, merchandise and recognition;
(5) sponsorship of training and educational events; and/or (6) due diligence
meetings. In addition to NASD rules governing limitations on these payments, we
also follow our guidelines and those of Financial Intermediaries which may be
more restrictive than NASD rules.

Additional Payments create a potential conflict of interest in the form of
an additional financial incentive to the Registered Representative and/or
Financial Intermediary to recommend the purchase of this Contract over another
variable annuity or another investment option. For the fiscal year ended
December 31, 2005, Additional Payments did not in the aggregate exceed
approximately $48 million (excluding incidental corporate-sponsorship related
perquisites).

As of December 31, 2005, we have entered into arrangements to make
Additional Payments to the following Financial Intermediaries: A.G. Edwards &
Sons, Inc., ABN AMRO Bank, N.V., Advest, Inc., Aegis Capital Advisors, LLC, AIG
Advisors Group, Inc., AIG SunAmerica, American International Group, Inc.,
AMSouth Investment Services, Inc., Asset Management Securities, Associated
Investment Services, Inc., B. C. Ziegler & Co., Banc of America Investment
Services, Inc., Banc One Securities Corp., Bancnorth Investment Group, Inc.,
Bancwest Investment Services, Inc., BB&T Investment Services, Inc., BNY
Investment Center of The Bank of New York Company, Inc., BOSC, Inc., BlueVase
Securities, LLC., Cadaret Grant & Co., Inc., Cambridge Investment Research,
Inc., Capital Analyst Inc., Capital Securities of America, Inc., Centaurus
Financial, Inc., Citigroup, Inc. (various divisions and affiliates), Colonial
Brokerage House (LifeMark Partners), Coordinated Capital Securities, Inc.,
Commerce Brokerage Services, Inc., Comerica Securities, Commonwealth Financial
Network, Compass Brokerage, Inc., Crowell, Weedon & Co., Crown Capital
Securities, L.P., Cuso Financial Services, L.P., Dortch Securities &
Investments, Inc., Duerr Financial Corporation, Edward D. Jones & Co., L.P.,
Empire Securities, Inc., ePLANNING, Inc., Ferris, Baker Watts, Incorporated,
FFP Securities, Inc., Fifth Third Securities, Inc., FIMCO Securities Group
(Mequon, WI), Financial Network Services (or Investment) Corp., Fintegra
Financial Services, LLC., First Allied Securities, Inc., First Citizens
Investor Services, First Heartland Capital, Inc., First Montauk Securities
Corp., First National Bank of Omaha, First Tennessee Brokerage, Inc., First
Wall Street Corporation, Frost Brokerage Services, Inc., FSC Securities
Corporation, Girard Securities, Inc., Great American Advisors, Inc., H.D. Vest
Investment Services (subsidiary of Wells Fargo & Company), Harbour Investments,
Inc., H & R Block Financial Advisors, Inc., Harvest Capital LLC, Heim & Young
Securities, Hibernia Investments, L.L.C., Hong Kong and Shanghai Banking
Corporation Limited (HSBC), The Huntington Investment Company, IFMG Securities,
Inc. at Rockland Trust, Independent Financial Group, LLC, Infinex Financial
Group, ING Advisors Network, Intersecurities, INC., Invest Financial Corp.,
Investacorp, Inc., Investment Professionals, Inc., Investors Capital
Corporation, Investment Centers of America, Inc., Investment Professionals,
Inc., Investors Capital Corp., James T. Borello & Co, Janney Montgomery Scott
LLC, Jefferson Pilot Securities Corporation, J.J.B. Hilliard, W.L. Lyons, Inc.,
KMS Financial Services, Inc., Legg Mason Wood Walker, Incorporated, Leigh
Baldwin & Co., LLC, Lincoln Financial Advisors Corp. (marketing name for
Lincoln National Corp.), Linsco/Private Ledger Corp., Local Securities
Corporation, M&T Securities, Inc., McDonald Investments Inc., Merrill Lynch
Pierce Fenner & Smith, Morgan Keegan & Company, Inc, Morgan Stanley & Co., Inc.
(various divisions and affiliates), Mutual Service Corporation, Natcity
Investments, Inc., National Planning Corp., Newbridge Securities Corp., NEXT
Financial Group, Inc., NFP Securities, Inc., North Ridge Securities Corp., ONB
Investment Services, Inc., Oppenheimer & Co., Inc., Park Avenue Securities LLC,
Parker/Hunter Incorporated, Partners Investment Network, Inc., Pension Planners
Securities, Inc., People's Securities, Inc., PFIC Securities Corp., Piper
Jaffray & Co., Prime Capital Services, Inc., Primevest Financial Services,
Inc., Proequities, Inc., Prospera Financial Services, Inc., QA3 Financial Corp,
Raymond James Financial Services, RBC Dain Rauscher Inc., Retirement Plan
Advisors, Inc., Robert W. Baird & Co., Inc., Rogan & Assoc., Inc., Royal
Alliance Assoc., Inc., Ryan Beck & Co.,

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Scott & Stringfellow, Inc., Securian Financial Services, Inc., Securities
America, Inc., Securities Service Network, Inc., Sigma Financial Corporation,
SII Investments, Inc., Southtrust Securities, Inc., Stifel Nicolaus & Company,
Incorporated, Sun Trust Bank, SunTrust Investment Services, Inc. -- Alexander
Key Division, SWBC Investment Services, LLC, Synovus Securities, Inc., TFS
Securities, Inc., The Investment Center, Inc., Thurston, Springer, Miller, Herd
& Titak, Inc.,Triad Advisors, Inc., UBOC Investment Services, Inc. (Union Bank
of California, N.A.), UBS Financial Services, Inc., UMB Scout Brokerage
Services, Inc., U.S. Bancorp Investments, Inc., Unionbanc Investment Services,
LLC, Uvest Financial Services Group Inc., Valmark Securities, Inc., Wachovia
Securities, LLC. (various divisions), Wall Street Financial Group, Inc., Walnut
Street Securities, Inc., Webster Investment Services, Inc., Wells Fargo
Brokerage Services, L.L.C., Wescom Financial Services, Wilbanks Securities,
Inc., WM Financial Services, Inc., Woodbury Financial Services, Inc. (an
affiliate of ours), WRP Investments, Inc., XCU Capital Corporation, Inc.

Inclusion on this list does not imply that these sums necessarily
constitute "special cash compensation" as defined by NASD Conduct Rule
2830(l)(4). We will endeavor to update this listing annually and interim
arrangements may not be reflected. We assume no duty to notify any investor
whether their Registered Representative is or should be included in any such
listing. You are encouraged to review the prospectus for each Fund for any
other compensation arrangements pertaining to the distribution of Fund shares.

FEDERAL TAX CONSIDERATIONS

What are some of the federal tax consequences which affect these Contracts?

A. INTRODUCTION

The following summary of tax rules does not provide or constitute any tax
advice. It provides only a general discussion of certain of the expected
federal income tax consequences with respect to amounts contributed to,
invested in or received from a Contract, based on our understanding of the
existing provisions of the Code, Treasury Regulations thereunder, and public
interpretations thereof by the IRS (e.g., Revenue Rulings, Revenue Procedures
or Notices) or by published court decisions. This summary discusses only
certain federal income tax consequences to United States Persons, and does not
discuss state, local or foreign tax consequences. The term United States
Persons means citizens or residents of the United States, domestic
corporations, domestic partnerships, trust or estates that are subject to
United States federal income tax, regardless of the source of their income. See
"Annuity Purchases by Nonresident Aliens and Foreign Corporations," regarding
annuity purchases by non-U.S. citizens or residents.

This summary has been prepared by us after consultation with tax counsel, but
no opinion of tax counsel has been obtained. We do not make any guarantee or
representation regarding any tax status (e.g., federal, state, local or
foreign) of any Contract or any transaction involving a Contract. In addition,
there is always a possibility that the tax treatment of an annuity contract
could change by legislation or other means (such as regulations, rulings or
judicial decisions). Moreover, it is always possible that any such change in
tax treatment could be made retroactive (that is, made effective prior to the
date of the change). Accordingly, you should consult a qualified tax adviser
for complete information and advice before purchasing a Contract.

In addition, this discussion does not address many of the tax consequences if
you use the Contract in various arrangements, including Charitable Remainder
Trusts, tax-qualified retirement arrangements, deferred compensation plans,
split-dollar insurance arrangements, or other employee benefit arrangements.
The tax consequences of any such arrangement may vary depending on the
particular facts and circumstances of each individual arrangement and whether
the arrangement satisfies certain tax qualification or classification
requirements. In addition, the tax rules affecting such an arrangement may have
changed recently, e.g., by legislation or regulations that affect compensatory
or employee benefit arrangements. Therefore, if you are contemplating the use
of a Contract in any arrangement the value of which to you depends in part on
its tax consequences, you should consult a qualified tax adviser regarding the
tax treatment of the proposed arrangement and of any Contract used in it.

THE DISCUSSION SET FORTH BELOW IS INCLUDED FOR GENERAL PURPOSES ONLY. SPECIAL
TAX RULES MAY APPLY WITH RESPECT TO CERTAIN SITUATIONS THAT ARE NOT DISCUSSED
HEREIN. EACH POTENTIAL PURCHASER OF A CONTRACT IS ADVISED TO CONSULT WITH A
QUALIFIED TAX ADVISER AS TO THE CONSEQUENCES OF ANY AMOUNTS INVESTED IN A
CONTRACT UNDER APPLICABLE FEDERAL, STATE, LOCAL OR FOREIGN TAX LAW.

B. TAXATION OF HARTFORD

Hartford is taxed as a life insurance company under Subchapter L of Chapter 1
of the Code. The assets underlying the Contracts will be owned by Hartford. The
income earned on such assets will be Hartford's income.

C. TAXATION OF ANNUITIES -- GENERAL PROVISIONS AFFECTING CONTRACTS NOT HELD IN
TAX-QUALIFIED RETIREMENT PLANS

Section 72 of the Code governs the taxation of annuities in general.

1. NON-NATURAL PERSONS AS OWNERS

Pursuant to Code Section 72(u), an annuity contract held by a taxpayer other
than a natural person generally is not treated as an annuity contract under the
Code. Instead, such a non-natural Contract Owner generally could be required to
include in gross

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income currently for each taxable year the excess of (a) the sum of the
Contract Value as of the close of the taxable year and all previous
distributions under the Contract over (b) the sum of net premiums paid for the
taxable year and any prior taxable year and the amount includable in gross
income for any prior taxable year with respect to the Contract under Section
72(u). However, Section 72(u) does not apply to:

- - A contract the nominal owner of which is a non-natural person but the
beneficial owner of which is a natural person (e.g., where the non-natural
owner holds the contract as an agent for the natural person),

- - A contract acquired by the estate of a decedent by reason of such decedent's
death,

- - Certain contracts acquired with respect to tax-qualified retirement
arrangements,

- - Certain contracts held in structured settlement arrangements that may qualify
under Code Section 130, or

- - A single premium immediate annuity contract under Code Section 72(u)(4),
which provides for substantially equal periodic payments and an annuity
starting date that is no later than 1 year from the date of the contract's
purchase.

A non-natural Contract Owner that is a tax-exempt entity for federal tax
purposes (e.g., a tax-qualified retirement trust or a Charitable Remainder
Trust) generally would not be subject to federal income tax as a result of such
current gross income under Code Section 72(u). However, such a tax-exempt
entity, or any annuity contract that it holds, may need to satisfy certain tax
requirements in order to maintain its qualification for such favorable tax
treatment. See, e.g., IRS Tech. Adv. Memo. 9825001 for certain Charitable
Remainder Trusts.

Pursuant to Code Section 72(s), if the Contract Owner is a non-natural person,
the primary annuitant is treated as the "holder" in applying the required
distribution rules described below. These rules require that certain
distributions be made upon the death of a "holder." In addition, for a non-
natural owner, a change in the primary annuitant is treated as the death of the
"holder." However, the provisions of Code Section 72(s) do not apply to certain
contracts held in tax-qualified retirement arrangements or structured
settlement arrangements.

2. OTHER CONTRACT OWNERS (NATURAL PERSONS).

A Contract Owner is not taxed on increases in the value of the Contract until
an amount is received or deemed received, e.g., in the form of a lump sum
payment (full or partial value of a Contract) or as Annuity payments under the
settlement option elected.

The provisions of Section 72 of the Code concerning distributions are
summarized briefly below. Also summarized are special rules affecting
distributions from Contracts obtained in a tax-free exchange for other annuity
contracts or life insurance contracts which were purchased prior to August 14,
1982.

A. DISTRIBUTIONS PRIOR TO THE ANNUITY COMMENCEMENT DATE.

i. Total premium payments less amounts received which were not includable in
gross income equal the "investment in the contract" under Section 72 of
the Code.

ii. To the extent that the value of the Contract (ignoring any surrender
charges except on a full surrender) exceeds the "investment in the
contract," such excess constitutes the "income on the contract." It is
unclear what value should be used in determining the "income on the
contract." We believe that the current Contract value (determined without
regard to surrender charges) is an appropriate measure. However, the IRS
could take the position that the value should be the current Contract
value (determined without regard to surrender charges) increased by some
measure of the value of certain future benefits.

iii. Any amount received or deemed received prior to the Annuity Commencement
Date (e.g., upon a partial surrender) is deemed to come first from any
such "income on the contract" and then from "investment in the contract,"
and for these purposes such "income on the contract" shall be computed by
reference to any aggregation rule in subparagraph 2.c. below. As a result,
any such amount received or deemed received (1) shall be includable in
gross income to the extent that such amount does not exceed any such
"income on the contract," and (2) shall not be includable in gross income
to the extent that such amount does exceed any such "income on the
contract." If at the time that any amount is received or deemed received
there is no "income on the contract" (e.g., because the gross value of the
Contract does not exceed the "investment in the contract" and no
aggregation rule applies), then such amount received or deemed received
will not be includable in gross income, and will simply reduce the
"investment in the contract."

iv. The receipt of any amount as a loan under the Contract or the assignment
or pledge of any portion of the value of the Contract shall be treated as
an amount received for purposes of this subparagraph a. and the next
subparagraph b.

v. In general, the transfer of the Contract, without full and adequate
consideration, will be treated as an amount received for purposes of this
subparagraph a. and the next subparagraph b. This transfer rule does not
apply, however, to certain transfers of property between spouses or
incident to divorce.

B. DISTRIBUTIONS AFTER ANNUITY COMMENCEMENT DATE.

Annuity payments made periodically after the Annuity Commencement Date are
includable in gross income to the extent the payments exceed the amount
determined by the application of the ratio of the "investment in the contract"
to the total

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amount of the payments to be made after the Annuity Commencement Date (the
"exclusion ratio").

i. When the total of amounts excluded from income by application of the
exclusion ratio is equal to the investment in the contract as of the
Annuity Commencement Date, any additional payments (including surrenders)
will be entirely includable in gross income.

ii. If the annuity payments cease by reason of the death of the Annuitant and,
as of the date of death, the amount of annuity payments excluded from
gross income by the exclusion ratio does not exceed the investment in the
contract as of the Annuity Commencement Date, then the remaining portion
of unrecovered investment shall be allowed as a deduction for the last
taxable year of the Annuitant.

iii. Generally, nonperiodic amounts received or deemed received after the
Annuity Commencement Date are not entitled to any exclusion ratio and
shall be fully includable in gross income. However, upon a full surrender
after such date, only the excess of the amount received (after any
surrender charge) over the remaining "investment in the contract" shall be
includable in gross income (except to the extent that the aggregation rule
referred to in the next subparagraph c. may apply).

C. AGGREGATION OF TWO OR MORE ANNUITY CONTRACTS.

Contracts issued after October 21, 1988 by the same insurer (or affiliated
insurer) to the same owner within the same calendar year (other than certain
contracts held in connection with tax-qualified retirement arrangements) will
be aggregated and treated as one annuity contract for the purpose of
determining the taxation of distributions prior to the Annuity Commencement
Date. An annuity contract received in a tax-free exchange for another annuity
contract or life insurance contract may be treated as a new contract for this
purpose. We believe that for any Contracts subject to such aggregation, the
values under the Contracts and the investment in the contracts will be added
together to determine the taxation under subparagraph 2.a., above, of amounts
received or deemed received prior to the Annuity Commencement Date. Withdrawals
will be treated first as withdrawals of income until all of the income from all
such Contracts is withdrawn. In addition, the Treasury Department has specific
authority under the aggregation rules in Code Section 72(e)(11) to issue
regulations to prevent the avoidance of the income-out-first rules for non-
periodic distributions through the serial purchase of annuity contracts or
otherwise. As of the date of this prospectus, there are no regulations
interpreting these aggregation provisions.

D. 10% PENALTY TAX -- APPLICABLE TO CERTAIN WITHDRAWALS AND ANNUITY
PAYMENTS.

i. If any amount is received or deemed received on the Contract (before or
after the Annuity Commencement Date), the Code applies a penalty tax equal
to ten percent of the portion of the amount includable in gross income,
unless an exception applies.

ii. The 10% penalty tax will not apply to the following distributions:

1. Distributions made on or after the date the recipient has attained the
age of 59 1/2.

2. Distributions made on or after the death of the holder or where the
holder is not an individual, the death of the primary annuitant.

3. Distributions attributable to a recipient's becoming disabled.

4. A distribution that is part of a scheduled series of substantially
equal periodic payments (not less frequently than annually) for the
life (or life expectancy) of the recipient (or the joint lives or life
expectancies of the recipient and the recipient's designated
Beneficiary). In determining whether a payment stream designed to
satisfy this exception qualifies, it is possible that the IRS could
take the position that the entire interest in the Contract should
include not only the current Contract value, but also some measure of
the value of certain future benefits.

5. Distributions made under certain annuities issued in connection with
structured settlement agreements.

6. Distributions of amounts which are allocable to the "investment in the
contract" prior to August 14, 1982 (see next subparagraph e.).

If the taxpayer avoids this 10% penalty tax by qualifying for the substantially
equal periodic payments exception and later such series of payments is modified
(other than by death or disability), the 10% penalty tax will be applied
retroactively to all the prior periodic payments (i.e., penalty tax plus
interest thereon), unless such modification is made after both (a) the taxpayer
has reached age 59 1/2 and (b) 5 years have elapsed since the first of these
periodic payments.

E. SPECIAL PROVISIONS AFFECTING CONTRACTS OBTAINED THROUGH A TAX-FREE
EXCHANGE OF OTHER ANNUITY OR LIFE INSURANCE CONTRACTS PURCHASED PRIOR
TO AUGUST 14, 1982.

If the Contract was obtained by a tax-free exchange of a life insurance or
annuity Contract purchased prior to August 14, 1982, then any amount received
or deemed received prior to the Annuity Commencement Date shall be deemed to
come (1) first from the amount of the "investment in the contract" prior to
August 14, 1982 ("pre-8/14/82 investment") carried over from the prior
Contract, (2) then from the portion of the "income on the contract" (carried
over to, as well as accumulating in, the successor Contract) that is
attributable to such pre-8/14/82 investment, (3) then from the remaining
"income on the contract" and (4) last from the remaining "investment in the
contract." As a result, to the extent that such amount received or deemed
received does not exceed

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such pre-8/14/82 investment, such amount is not includable in gross income. In
addition, to the extent that such amount received or deemed received does not
exceed the sum of (a) such pre-8/14/82 investment and (b) the "income on the
contract" attributable thereto, such amount is not subject to the 10% penalty
tax. In all other respects, amounts received or deemed received from such post-
exchange Contracts are generally subject to the rules described in this
subparagraph e.

F. REQUIRED DISTRIBUTIONS.

i. Death of Contract Owner or Primary Annuitant

Subject to the alternative election or spouse beneficiary provisions in ii
or iii below:

1. If any Contract Owner dies on or after the Annuity Commencement Date
and before the entire interest in the Contract has been distributed,
the remaining portion of such interest shall be distributed at least as
rapidly as under the method of distribution being used as of the date
of such death;

2. If any Contract Owner dies before the Annuity Commencement Date, the
entire interest in the Contract shall be distributed within 5 years
after such death; and

3. If the Contract Owner is not an individual, then for purposes of 1. or
2. above, the primary annuitant under the Contract shall be treated as
the Contract Owner, and any change in the primary annuitant shall be
treated as the death of the Contract Owner. The primary annuitant is
the individual, the events in the life of whom are of primary
importance in affecting the timing or amount of the payout under the
Contract.

ii. Alternative Election to Satisfy Distribution Requirements

If any portion of the interest of a Contract Owner described in i. above
is payable to or for the benefit of a designated beneficiary, such
beneficiary may elect to have the portion distributed over a period that
does not extend beyond the life or life expectancy of the beneficiary.
Such distributions must begin within a year of the Contract Owner's death.

iii. Spouse Beneficiary

If any portion of the interest of a Contract Owner is payable to or for
the benefit of his or her spouse, and the Annuitant or Contingent
Annuitant is living, such spouse shall be treated as the Contract Owner of
such portion for purposes of section i. above. This spousal contract
continuation shall apply only once for this contract.

G. ADDITION OF RIDER OR MATERIAL CHANGE

The addition of a rider to the Contract, or a material change in the Contract's
provisions, could cause it to be considered newly issued or entered into for
tax purposes, and thus could cause the Contract to lose certain grandfathered
tax status. Please contact your tax adviser for more information.

H. PARTIAL EXCHANGES

The IRS in Rev. Rul. 2003-76 has confirmed that the owner of an annuity
contract can direct its insurer to transfer a portion of the contract's cash
value directly to another annuity contract (issued by the same insurer or by a
different insurer), and such a direct transfer can qualify for tax-free
exchange treatment under Code Section 1035 (a "partial exchange"). However,
Rev. Rul. 2003-76 also refers to caveats and additional guidance in the
companion Notice 2003-51, which discusses cases in which a partial exchange is
followed by a surrender, withdrawal or other distribution from either the old
contract or the new contract. Notice 2003-51 specifically indicates that the
IRS is considering (1) under what circumstances it should treat a partial
exchange followed by such a distribution within 24 months as presumptively for
"tax avoidance" purposes (e.g., to avoid the income-out-first rules on amounts
received under Code Section 72) and (2) what circumstances it should treat as
rebutting such a presumption (e.g., death, disability, reaching age 59 1/2,
divorce or loss of employment). Accordingly, we advise you to consult with a
qualified tax adviser as to potential tax consequences before attempting any
partial exchange.

D. FEDERAL INCOME TAX WITHHOLDING

The portion of an amount received under a Contract that is taxable gross income
to the recipient is also subject to federal income tax withholding, pursuant to
Code Section 3405, which requires the following:

1. Non-Periodic Distributions. The portion of a non-periodic distribution
that is includable in gross income is subject to federal income tax
withholding unless the recipient elects not to have such tax withheld
("election out"). We will provide such an "election out" form at the
time such a distribution is requested. If the necessary "election out"
forms are not submitted to us in a timely manner, we are required to
withhold 10 percent of the includable amount of distribution and remit
it to the IRS.

2. Periodic Distributions (payable over a period greater than one year).
The portion of a periodic distribution that is includable in gross
income is subject to federal income tax withholding as if the recipient
were married claiming 3 exemptions, unless the recipient elects
otherwise. A recipient may elect out of such withholding, or elect to
have income tax withheld at a different rate, by providing a completed
election form. We will provide such an election form at the time such a
distribution is requested. If the necessary "election out" forms are
not submitted to us in a timely manner, we are required to withhold tax
as if the recipient were married claiming 3 exemptions, and remit the
tax to the IRS.

Regardless of any "election out" (or any amount of tax actually withheld) on an
amount received from a Contract, the recipient is generally liable for any
failure to pay the full amount of tax due on the includable portion of such
amount received. You also may be required to pay penalties under the estimated

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income tax rules, if your withholding and estimated tax payments are
insufficient to satisfy your total tax liability.

E. GENERAL PROVISIONS AFFECTING QUALIFIED RETIREMENT PLANS

The Contract may be used for a number of qualified retirement plans. If the
Contract is being purchased with respect to some form of qualified retirement
plan, please refer to Appendix I for information relative to the types of plans
for which it may be used and the general explanation of the tax features of
such plans.

F. ANNUITY PURCHASES BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS

The discussion above provides general information regarding U.S. federal income
tax consequences to annuity purchasers that are U.S. citizens or residents.
Purchasers that are not U.S. citizens or residents will generally be subject to
U.S. federal income tax and withholding on taxable annuity distributions at a
30% rate, unless a lower treaty rate applies and any required tax forms are
submitted to us. If withholding tax applies, we are required to withhold tax at
a 30% rate, or a lower treaty rate if applicable, and remit it to the IRS. In
addition, purchasers may be subject to state premium tax, other state and/or
municipal taxes, and taxes that may be imposed by the purchaser's country of
citizenship or residence.

G. ESTATE, GIFT AND GENERATION-SKIPPING TAX AND RELATED TAX CONSIDERATIONS

Any amount payable upon a Contract Owner's death, whether before or after the
Annuity Commencement Date, is generally includable in the Contract Owner's
estate for federal estate tax purposes. Similarly, prior to the Contract
Owner's death, the payment of any amount from the Contract, or the transfer of
any interest in the Contract, to a beneficiary or other person for less than
adequate consideration may have federal gift tax consequences. In addition, any
transfer to, or designation of, a non-spouse beneficiary who either is (1) 37
1/2 or more years younger than a Contract Owner or (2) a grandchild (or more
remote further descendent) of a Contract Owner may have federal generation-
skipping-transfer ("GST") tax consequences under Code Section 2601. Regulations
under Code Section 2662 may require us to deduct any such GST tax from your
Contract, or from any applicable payment, and pay it directly to the IRS.
However, any federal estate, gift or GST tax payment with respect to a Contract
could produce an offsetting income tax deduction for a beneficiary or
transferee under Code Section 691(c) (partially offsetting such federal estate
or GST tax) or a basis increase for a beneficiary or transferee under Code
Section 691(c) or Section 1015(d). In addition, as indicated above in
"Distributions Prior to the Annuity Commencement Date," the transfer of a
Contract for less than adequate consideration during the Contract Owner's
lifetime generally is treated as producing an amount received by such Contract
Owner that is subject to both income tax and the 10% penalty tax. To the extent
that such an amount deemed received causes an amount to be includable currently
in such Contract Owner's gross income, this same income amount could produce a
corresponding increase in such Contract Owner's tax basis for such Contract
that is carried over to the transferee's tax basis for such Contract under Code
Section 72(e)(4)(C)(iii) and Section 1015.

INFORMATION REGARDING TAX-QUALIFIED RETIREMENT PLANS

This summary does not attempt to provide more than general information about
the federal income tax rules associated with use of a Contract by a tax-
qualified retirement plan. State income tax rules applicable to tax-qualified
retirement plans often differ from federal income tax rules, and this summary
does not describe any of these differences. Because of the complexity of the
tax rules, owners, participants and beneficiaries are encouraged to consult
their own tax advisors as to specific tax consequences.

The Contracts may offer death benefits that may exceed the greater of the
amounts paid for the Contract or the Contract's cash value. Owners who intend
to use the Contract in connection with tax-qualified retirement plans should
consider the income tax effects that such a death benefit may have on the plan.

The federal tax rules applicable to owners of Contracts under tax-qualified
retirement plans vary according to the type of plan as well as the terms and
conditions of the plan itself. Contract owners, plan participants and
beneficiaries are cautioned that the rights and benefits of any person may be
controlled by the terms and conditions of the tax-qualified retirement plan
itself, regardless of the terms and conditions of a Contract. We are not bound
by the terms and conditions of such plans to the extent such terms conflict
with a Contract, unless we specifically consent to be bound.

Some tax-qualified retirement plans are subject to distribution and other
requirements that are not incorporated into our administrative procedures.
Contract owners, participants and beneficiaries are responsible for determining
that contributions, distributions and other transactions comply with applicable
law. Tax penalties may apply to transactions with respect to tax-qualified
retirement plans if applicable federal income tax rules and restrictions are
not carefully observed.

WE DO NOT CURRENTLY OFFER THE CONTRACTS IN CONNECTION WITH ALL OF THE TYPES OF
TAX-QUALIFIED RETIREMENT PLANS DISCUSSED BELOW AND MAY NOT OFFER THE CONTRACTS
FOR ALL TYPES OF TAX-QUALIFIED RETIREMENT PLANS IN THE FUTURE.

1. TAX-QUALIFIED PENSION OR PROFIT-SHARING PLANS -- Eligible employers can
establish certain tax-qualified pension and profit-sharing plans under section
401 of the Code. Rules under section 401(k) of the Code govern certain "cash or
deferred arrangements" under such plans. Rules under section 408(k) govern
"simplified employee pensions." Tax-qualified pension and profit-sharing plans
are subject to limitations on the amount that may be contributed, the persons
who may be eligible to participate, the time when distributions must commence,
and the form in which distributions must be paid. Employers intending to use
the Contracts in connection with tax-qualified

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pension or profit-sharing plans should seek competent tax and other legal
advice. If the death benefit under the Contract can exceed the greater of the
amount paid for the Contract and the Contract's cash value, it is possible that
the IRS would characterize such death benefit as an "incidental death benefit."
There are limitations on the amount of incidental benefits that may be provided
under pension and profit sharing plans. In addition, the provision of such
benefits may result in currently taxable income to the participants.

2. TAX SHELTERED ANNUITIES UNDER SECTION 403(b) -- Public schools and certain
types of charitable, educational and scientific organizations, as specified in
section 501(c)(3) of the Code, can purchase tax-sheltered annuity contracts for
their employees. Tax-deferred contributions can be made to tax-sheltered
annuity contracts under section 403(b) of the Code, subject to certain
limitations. In general, total contributions may not exceed the lesser of (1)
100% of the participant's compensation, and (2) $40,000 (adjusted for increases
in cost-of-living). The maximum elective deferral amount is equal to $14,000
for 2005 and $15,000 for 2006 and thereafter, indexed. The limitation on
elective deferrals may be increased to allow certain "catch-up" contributions
for individuals who have attained age 50.

Tax-sheltered annuity programs under section 403(b) are subject to a
PROHIBITION AGAINST DISTRIBUTIONS FROM THE CONTRACT ATTRIBUTABLE TO
CONTRIBUTIONS MADE PURSUANT TO A SALARY REDUCTION AGREEMENT, unless such
distribution is made:

- - after the participating employee attains age 59 1/2;

- - upon severance from employment;

- - upon death or disability; or

- - in the case of hardship (and in the case of hardship, any income attributable
to such contributions may not be distributed).

Generally, the above restrictions do not apply to distributions attributable to
cash values or other amounts held under a section 403(b) contract as of
December 31, 1988.

If the death benefit under the Contract can exceed the greater of the amount
paid for the Contract and the Contract's cash value, it is possible that the
IRS would characterize such death benefit as an "incidental death benefit." If
the death benefit were so characterized, this could result in currently taxable
income to purchasers. In addition, there are limitations on the amount of
incidental death benefits that may be provided under a section 403(b)
arrangement.

3. DEFERRED COMPENSATION PLANS UNDER SECTION 457 -- Certain governmental
employers or tax-exempt employers other than a governmental unit can establish
a Deferred Compensation Plan under section 457 of the Code. For these purposes,
a "governmental employer" is a State, a political subdivision of a State, or an
agency or an instrumentality of a State or political subdivision of a State.
Employees and independent contractors performing services for a governmental or
tax-exempt employer can elect to have contributions made to a Deferred
Compensation Plan of their employer in accordance with the employer's plan and
section 457 of the Code.

Deferred Compensation Plans that meet the requirements of section 457(b) of the
Code are called "eligible" Deferred Compensation Plans. Section 457(b) limits
the amount of contributions that can be made to an eligible Deferred
Compensation Plan on behalf of a participant. Generally, the limitation on
contributions is the lesser of (1) 100% of a participant's includible
compensation or (2) the applicable dollar amount, equal to $14,000 for 2005 and
$15,000 for 2006 and thereafter, indexed. The plan may provide for additional
"catch-up" contributions during the three taxable years ending before the year
in which the participant attains normal retirement age. In addition, the
contribution limitation may be increased to allow certain "catch-up"
contributions for individuals who have attained age 50.

All of the assets and income of an eligible Deferred Compensation Plan for a
governmental employer must be held in trust for the exclusive benefit of
participants and their beneficiaries. For this purpose, certain custodial
accounts and annuity contracts are treated as trusts. The requirement of a
trust does not apply to amounts under an eligible Deferred Compensation Plan of
a tax-exempt (non-governmental) employer. In addition, the requirement of a
trust does not apply to amounts under a Deferred Compensation Plan of a
governmental employer if the Deferred Compensation Plan is not an eligible plan
within the meaning of section 457(b) of the Code. In the absence of such a
trust, amounts under the plan will be subject to the claims of the employer's
general creditors.

In general, distributions from an eligible Deferred Compensation Plan to a
participant or beneficiary are prohibited under section 457 of the Code unless
made after the participating employee:

- - attains age 70 1/2,

- - has a severance from employment as defined in the Code (including death of
the participating employee), or

- - suffers an unforeseeable financial emergency as defined in the Code.

4. INDIVIDUAL RETIREMENT ANNUITIES ("IRAS") UNDER SECTION 408

TRADITIONAL IRAS. -- Eligible individuals can establish individual retirement
programs under section 408 of the Code through the purchase of an IRA. Section
408 imposes limits with respect to IRAs, including limits on the amount that
may be contributed to an IRA, the amount of such contributions that may be
deducted from taxable income, the persons who may be eligible to contribute to
an IRA, and the time when distributions commence from an IRA. See Section 6
below for a discussion of rollovers involving IRAs.

SIMPLE IRAS -- Eligible employees may establish SIMPLE IRAs in connection with
a SIMPLE IRA plan of an employer under section 408(p) of the Code. Special
rollover rules apply to SIMPLE IRAs. Amounts can be rolled over from one SIMPLE

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22 HARTFORD LIFE INSURANCE COMPANY

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IRA to another SIMPLE IRA. However, amounts can be rolled over from a SIMPLE
IRA to a Traditional IRA only after two years have expired since the employee
first commenced participation in the employer's SIMPLE IRA plan. Amounts cannot
be rolled over to a SIMPLE IRA from a qualified plan or a Traditional IRA.
Hartford is a non-designated financial institution for purposes of the SIMPLE
IRA rules.

ROTH IRAS -- Eligible individuals may establish Roth IRAs under section 408A of
the Code. Contributions to a Roth IRA are not deductible. Subject to special
limitations, a Traditional IRA, SIMPLE IRA or Simplified Employee Pension under
Section 408(k) of the Code may be converted into a Roth IRA or a distribution
from such an arrangement may be rolled over to a Roth IRA. However, a
conversion or a rollover to a Roth IRA is not excludable from gross income. If
certain conditions are met, qualified distributions from a Roth IRA are tax-
free.

5. FEDERAL TAX PENALTIES AND WITHHOLDING -- Distributions from tax-qualified
retirement plans are generally taxed as ordinary income under section 72 of the
Code. Under these rules, a portion of each distribution may be excludable from
income. The excludable amount is the portion of the distribution that bears the
same ratio as the after-tax contributions bear to the expected return.

(A) PENALTY TAX ON EARLY DISTRIBUTIONS Section 72(t) of the Code imposes an
additional penalty tax equal to 10% of the taxable portion of a distribution
from certain tax-qualified retirement plans. However, the 10% penalty tax
does not apply to a distribution that is:

- - Made on or after the date on which the employee reaches age 59 1/2;

- - Made to a beneficiary (or to the estate of the employee) on or after the
death of the employee;

- - Attributable to the employee's becoming disabled (as defined in the Code);

- - Part of a series of substantially equal periodic payments (not less
frequently than annually) made for the life (or life expectancy) of the
employee or the joint lives (or joint life expectancies) of the employee and
his or her designated beneficiary. In determining whether a payment stream
designed to satisfy this exception qualifies, it is possible that the IRS
could take the position that the entire interest in the Contract should
include not only the current Contract value, but also some measure of the
value of certain future benefits;

- - Except in the case of an IRA, made to an employee after separation from
service after reaching age 55; or

- - Not greater than the amount allowable as a deduction to the employee for
eligible medical expenses during the taxable year.

IN ADDITION, THE 10% PENALTY TAX DOES NOT APPLY TO A DISTRIBUTION FROM AN IRA
THAT IS:

- - Made after separation from employment to an unemployed IRA owner for health
insurance premiums, if certain conditions are met;

- - Not in excess of the amount of certain qualifying higher education expenses,
as defined by section 72(t)(7) of the Code; or

- - A qualified first-time homebuyer distribution meeting the requirements
specified at section 72(t)(8) of the Code.

If you are a participant in a SIMPLE IRA plan, you should be aware that the 10%
penalty tax is increased to 25% with respect to non-exempt early distributions
made from your SIMPLE IRA during the first two years following the date you
first commenced participation in any SIMPLE IRA plan of your employer.

(B) MINIMUM DISTRIBUTION PENALTY TAX If the amount distributed is less than
the minimum required distribution for the year, the Participant is subject
to a 50% penalty tax on the amount that was not properly distributed.

An individual's interest in a tax-qualified retirement plan generally must be
distributed, or begin to be distributed, not later than the Required Beginning
Date. Generally, the Required Beginning Date is April 1 of the calendar year
following the later of:

- - the calendar year in which the individual attains age 70 1/2; or

- - the calendar year in which the individual retires from service with the
employer sponsoring the plan.

The Required Beginning Date for an individual who is a five (5) percent owner
(as defined in the Code), or who is the owner of an IRA, is April 1 of the
calendar year following the calendar year in which the individual attains age
70 1/2.

The entire interest of the Participant must be distributed beginning no later
than the Required Beginning Date over:

- - the life of the Participant or the lives of the Participant and the
Participant's designated beneficiary (as defined in the Code), or

- - over a period not extending beyond the life expectancy of the Participant or
the joint life expectancy of the Participant and the Participant's designated
beneficiary.

Each annual distribution must equal or exceed a "minimum distribution amount"
which is determined generally by dividing the account balance by the applicable
life expectancy. This account balance is generally based upon the entire value
of all benefits provided under a Contract as of the close of business on the
last day of the previous calendar year. The death benefit and any optional
benefits purchased under the Contract may affect the amount of the minimum
required distribution that must be taken. In addition, minimum distribution
incidental benefit rules may require a larger annual distribution. Required
minimum distributions also can be made in the form of annuity payments if the
payment structure satisfies certain rules set forth in Income Tax Regulations.

If an individual dies before reaching his or her Required Beginning Date, the
individual's entire interest must generally be distributed within five years of
the individual's death. However, this rule will be deemed satisfied, if
distributions begin before

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HARTFORD LIFE INSURANCE COMPANY 23

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the close of the calendar year following the individual's death to a designated
beneficiary and distribution is over the life of such designated beneficiary
(or over a period not extending beyond the life expectancy of the beneficiary).
If the beneficiary is the individual's surviving spouse, distributions may be
delayed until the individual would have attained age 70 1/2.

If an individual dies after reaching his or her Required Beginning Date or
after distributions have commenced, the individual's interest must generally be
distributed at least as rapidly as under the method of distribution in effect
at the time of the individual's death.

The minimum distribution requirements apply to Roth IRAs after the Contract
owner dies, but not while the Contract owner is alive. In addition, if the
owner of a Traditional or Roth IRA dies and the Contract owner's spouse is the
sole designated beneficiary, the surviving spouse may elect to treat the
Traditional or Roth IRA as his or her own.

In 2002 and in 2004, the Internal Revenue Service issued final and temporary
regulations in the Federal Register relating to minimum required distributions.
Please consult with your tax or legal adviser with any questions regarding the
new regulations.

(C) WITHHOLDING We are generally required to withhold federal income tax from
the taxable portion of each distribution made under a Contract. The federal
income tax withholding requirements, including the rate at which withholding
applies, depend on whether a distribution is or is not an eligible rollover
distribution.

Federal income tax withholding from the taxable portion of distributions that
are not eligible rollover distributions is required unless the payee is
eligible to, and does in fact, elect not to have income tax withheld by filing
an election with us. Where the payee does not elect out of withholding, the
rate of income tax to be withheld depends on whether the distribution is
nonperiodic or periodic. Regardless of whether an election is made not to have
federal income taxes withheld, the recipient is still liable for payment of
federal income tax on the taxable portion of the distribution.

For periodic payments, federal income tax will be withheld from the taxable
portion of the distribution by treating the payment as wages under IRS wage
withholding tables, using the marital status and number of withholding
allowances elected by the payee on an IRS Form W-4P, or acceptable substitute,
filed us. Where the payee has not filed a Form W-4P, or acceptable substitute,
with us, the payee will be treated as married claiming three withholding
allowances. Special rules apply where the payee has not provided us with a
proper taxpayer identification number or where the payments are sent outside
the United States or U.S. possessions.

For nonperiodic distributions, where a payee has not elected out of
withholding, income tax will be withheld at a rate of 10 percent from the
taxable portion of the distribution.

Federal income tax withholding is required at a rate of 20 percent from the
taxable portion of any distribution that is an eligible rollover distribution
to the extent it is not directly rolled over to an eligible recipient plan.
Payees cannot elect out of income tax withholding with respect to such
distributions.

Also, special withholding rules apply with respect to distributions from non-
governmental section 457(b) plans, and to distributions made to individuals who
are neither citizens or resident aliens of the United States.

6. ROLLOVER DISTRIBUTIONS -- Under present federal tax law, "eligible rollover
distributions" from qualified retirement plans under section 401(a) of the
Code, qualified annuities under section 403(a) of the Code, section 403(b)
arrangements, and governmental 457(b) plans generally can be rolled over tax-
free within 60 days to any of such plans or arrangements that accept such
rollovers. Similarly, distributions from an IRA generally are permitted to be
rolled over tax-free within 60 days to a qualified plan, qualified annuity,
section 403(b) arrangement, or governmental 457(b) plan. After tax
contributions may be rolled over from a qualified plan, qualified annuity or
governmental 457 plan into another qualified plan or an IRA. In the case of
such a rollover of after tax contributions, the rollover is permitted to be
accomplished only through a direct rollover. In addition, a qualified plan is
not permitted to accept rollovers of after tax contributions unless the plan
provides separate accounting for such contributions (and earnings thereon).
Similar rules apply for purposes of rolling over after tax contributions from a
section 403(b) arrangement. After tax contributions (including nondeductible
contributions to an IRA) are not permitted to be rolled over from an IRA into a
qualified plan, qualified annuity, section 403(b) arrangement, or governmental
457(b) plan.

For this purpose, an eligible rollover distribution is generally a distribution
to an employee of all or any portion of the balance to the credit of the
employee in a qualified trust under section 401(a) of the Code, qualified
annuity under section 403(a) of the Code, a 403(b) arrangement or a
governmental 457(b) plan. However, an eligible rollover distribution does not
include: any distribution which is one of a series of substantially equal
periodic payments (not less frequently than annually) made (1) for the life (or
life expectancy) of the employee or the joint lives (or joint life
expectancies) of the employee and the employee's designated beneficiary, or (2)
for a specified period of 10 years or more; any distribution to the extent it
is a required minimum distribution amount (discussed above); or any
distribution which is made upon hardship of the employee.

Separate accounting is required on amounts rolled from plans described under
Code sections 401, 403(b) or 408(IRA), when those amounts are rolled into plans
described under section 457(b) sponsored by governmental employers. These
amounts, when distributed from the governmental 457(b) plan, will be subject to
the 10% early withdrawal tax applicable to distributions from plans described
under sections 401, 403(b) or 408(IRA), respectively.

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24 HARTFORD LIFE INSURANCE COMPANY

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THE COMPANY

Hartford Life Insurance Company is the issuer of the Contract. Hartford Life
Insurance Company is a life insurance company organized under the laws of
Connecticut. Our Home Office is located at 200 Hopmeadow Street, Simsbury, CT
06089.

Hartford Life Insurance Company and its subsidiaries ("Hartford Life Insurance
Company" or the "Company"), is a direct subsidiary of Hartford Life and
Accident Insurance Company ("HLA"), a wholly owned subsidiary of Hartford Life,
Inc. ("Hartford Life"). Hartford Life is an indirect subsidiary of The Hartford
Financial Services Group, Inc. ("The Hartford"). The Company, together with
HLA, provides (i) retail and institutional investment products, including
variable annuities, fixed market value adjusted ("MVA") annuities, private
placement life insurance, which includes life insurance products purchased by a
company on the lives of its employees, and retirement plan services for the
savings and retirement needs of over 5.0 million customers, (ii) life insurance
for wealth protection, accumulation and transfer needs for approximately
738,000 customers, (iii) group benefits products such as group life and group
disability insurance for the benefit of millions of individuals and (iv) fixed
annuity products through its international operations. The Company is one of
the largest sellers of individual variable annuities, variable universal life
insurance and group disability insurance in the United States. The Company's
strong position in each of its core businesses provides an opportunity to
increase the sale of the Company's products and services as individuals
increasingly save and plan for retirement, protect themselves and their
families against the financial uncertainties associated with disability or
death and engage in estate planning.

Hartford Life Insurance Company is licensed to operate in the District of
Columbia and all jurisdictions. We intend to offer the Contract in any
jurisdictions in which we are licensed.

LEGAL OPINION

The validity of the interests in the Contracts described in this Prospectus
will be passed upon for Hartford by Christopher M. Grinnell, Senior Counsel for
Hartford Life Insurance Company.

EXPERTS

The consolidated financial statements and related financial statement schedules
incorporated in this prospectus by reference from the Company's Annual Report
on Form 10-K for the year ended December 31, 2005 have been audited by Deloitte
& Touche LLP, an independent registered public accounting firm, as stated in
their report dated February 22, 2006 (which report expresses an unqualified
opinion and includes an explanatory paragraph relating to the Company's change
in its method of accounting and reporting for certain nontraditional long-
duration contracts and for separate accounts in 2004) which is incorporated
herein by reference, and has been so incorporated in reliance upon the report
of such firm given upon their authority as experts in accounting and auditing.

With respect to the unaudited interim financial information for the periods
ended March 31, 2006 and 2005 which is incorporated herein by reference,
Deloitte & Touche LLP, an independent registered public accounting firm, have
applied limited procedures in accordance with the standards of the Public
Company Accounting Oversight Board (United States) for a review of such
information. However, as stated in their reports included in the Company's
Quarterly Report on Form 10-Q for the quarter ended March 31, 2006 and
incorporated by reference herein, they did not audit and they do not express an
opinion on that interim financial information. Accordingly, the degree of
reliance on their reports on such information should be restricted in light of
the limited nature of the review procedures applied. Deloitte & Touche LLP are
not subject to the liability provisions of Section 11 of the Securities Act of
1933 for their reports on the unaudited interim financial information because
those reports are not "reports" or a "part" of the registration statement
prepared or certified by an accountant within the meaning of Sections 7 and 11
of the Act.