EXHIBIT 4.4

                               OMNIBUS INSTRUMENT
                                 WITH REGARD TO

                   HARTFORD LIFE GLOBAL FUNDING TRUST 2006-001

         WHEREAS, the parties named herein desire to enter into certain Issuance
Documents,  each such  document  dated as of the date  specified in this Omnibus
Instrument  relating  to the  issuance by Hartford  Life  Global  Funding  Trust
2006-001 (the "Trust") of Hartford Life Global Funding Trust 2006-001 Notes (the
"Notes")  with the terms  specified in the Pricing  Supplement  attached to this
Omnibus  Instrument as Exhibit A (the "Pricing  Supplement")  to investors under
Hartford Life's secured notes program;

         WHEREAS,  the Trust will be organized  under and its activities will be
governed by (i) the provisions of the Trust Agreement (set forth in Section A of
this Omnibus Instrument),  dated as of January 3, 2006 (the "Formation Date") by
and between  the parties  thereto  indicated  in Section E herein,  and (ii) the
certificate of trust of the Trust;

         WHEREAS,  the Notes will be issued pursuant to the Indenture (set forth
in  Section B of this  Omnibus  Instrument),  dated as of  January  6, 2006 (the
"Issuance  Date"),  by and between the parties  thereto  indicated  in Section E
herein;

         WHEREAS,  the sale of the Notes will be  governed  by the  Distribution
Agreement (set forth in Section C of this Omnibus  Instrument),  dated as of the
Formation  Date,  by and  between  the parties  thereto  indicated  in Section E
herein; and

         WHEREAS,  certain  agreements  relating  to the Notes  and the  funding
agreement identified in the Pricing Supplement (the "Funding Agreement") are set
forth in the  Coordination  Agreement  (set forth in  Section D of this  Omnibus
Instrument),  dated as of the Formation  Date, by and among the parties  thereto
indicated in Section E herein.

         All capitalized  terms used herein and not otherwise  defined will have
the meanings set forth in the Indenture.  This Omnibus Instrument is executed as
of the Formation Date.

         NOW, THEREFORE,  in consideration of the agreements and obligations set
forth herein and for other good and valuable  consideration,  the sufficiency of
which is hereby acknowledged, each party hereby agrees as set forth herein.

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<PAGE>



                                    SECTION A

                                 TRUST AGREEMENT

         THIS TRUST  AGREEMENT,  dated as of the Formation Date, is entered into
by and among AMACAR Pacific Corp., a Delaware corporation,  as administrator (in
such  capacity,  the  "Administrator")  and as trust  beneficial  owner (in such
capacity, the "Trust Beneficial Owner") and Wilmington Trust Company, a Delaware
banking corporation, as Delaware trustee (the "Delaware Trustee").

                              W I T N E S S E T H:
                               -------------------

         WHEREAS, the Trust Beneficial Owner, the Administrator and the Delaware
Trustee desire to establish a statutory trust organized pursuant to the Delaware
Statutory  Trust Act for the purpose of issuing Notes to investors which will be
secured, and payments with respect to which will be funded, solely by the assets
held in the Trust (as defined in this Omnibus Instrument), the proceeds of which
will be used to purchase the Funding Agreement;

         WHEREAS, the Trust Beneficial Owner, the Administrator and the Delaware
Trustee desire to authorize the issuance of a Trust Beneficial  Interest and the
Notes in connection with the entry into this Trust Agreement and the Indenture;

         WHEREAS,  all things necessary to make this Trust Agreement a valid and
legally binding  agreement of the Trust Beneficial  Owner, the Administrator and
the Delaware Trustee, enforceable in accordance with its terms, have been done;

         WHEREAS, the parties intend to provide for, among other things, (i) the
issuance and sale of the Notes  (pursuant to the Indenture and the  Distribution
Agreement) and the Trust  Beneficial  Interest,  (ii) the use of the proceeds of
the sale of the Notes and Trust  Beneficial  Interest  to  acquire  the  Funding
Agreement  and  (iii)  all  other  actions  deemed  necessary  or  desirable  in
connection with the transactions contemplated by this Trust Agreement; and

         WHEREAS,  the parties hereto desire to  incorporate by reference  those
certain Standard Trust Agreement Terms, filed as Exhibit 4.7 to the Registration
Statement dated March 18, 2005, filed with the Securities Exchange Commission by
Hartford Life (the "Standard Trust Agreement  Terms") and all capitalized  terms
not  otherwise  defined in this  Omnibus  Instrument  shall have the meaning set
forth in the Standard Trust  Agreement Terms (the Standard Trust Agreement Terms
and this Trust Agreement, collectively, the "Trust Agreement").

         NOW, THEREFORE,  in consideration of the agreements and obligations set
forth herein and for other good and valuable  consideration,  the sufficiency of
which is hereby acknowledged, each party hereby agrees as follows:

         PART 1. AGREEMENT TO BE BOUND. The Delaware Trustee,  the Administrator
and the Trust  Beneficial  Owner  each  hereby  agrees to be bound by all of the
terms,  provisions and agreements set forth herein,  with respect to all matters
contemplated  herein,  including,  without  limitation,  those  relating  to the
issuance of the Notes.

         PART  2.  INCORPORATION  BY  REFERENCE.   All  terms,   provisions  and
agreements of the Standard Trust Agreement Terms (except to the extent expressly
modified herein) are hereby incorporated herein by reference with the same force
and effect as though  fully set forth  herein.  To the extent that the terms set
forth herein are  inconsistent  with the terms of the Standard  Trust  Agreement
Terms, the terms set forth herein shall apply.


                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        1
<PAGE>


         PART 3. NAME.  The Trust  created and governed by this Trust  Agreement
shall be designated as indicated in this Omnibus Instrument, as such name may be
modified from time to time by the Delaware Trustee  following  written notice to
the Trust Beneficial Owner.

         PART  4.  INITIAL  CAPITAL   CONTRIBUTION  AND  OWNERSHIP.   The  Trust
Beneficial Owner has paid to, or to an account at the direction of, the Delaware
Trustee,  on the date hereof, the sum of $15 (or, if the Trust issues Notes at a
discount,  the product of $15 and the issue price  (expressed as a percentage of
the original  principal  amount of the  Notes)).  The  Delaware  Trustee  hereby
acknowledges  receipt in trust from the Trust  Beneficial  Owner, as of the date
hereof,  of the  foregoing  contribution,  which  shall be used  along  with the
proceeds from the sale of the Notes to purchase the Funding Agreement.  Upon the
creation of the Trust and the registration of the Trust  Beneficial  Interest in
the  Securities  Register by the  Registrar  (as defined in the  Standard  Trust
Agreement Terms) in the name of the Trust Beneficial Owner, the Trust Beneficial
Owner shall be the sole beneficial owner of the Trust.

         PART 5.  ACKNOWLEDGMENT.  The Delaware Trustee, on behalf of the Trust,
expressly  acknowledges  its duties and obligations set forth in Section 2.07 of
the Standard Trust Agreement Terms incorporated herein.

         PART 6.   ADDITIONAL TERMS.   None.

         PART 7. OMNIBUS  INSTRUMENT;  EXECUTION AND INCORPORATION OF TERMS. The
parties  to this  Trust  Agreement  will  enter  into this  Trust  Agreement  by
executing  the Omnibus  Instrument.  By executing  the Omnibus  Instrument,  the
Delaware Trustee,  the Trust Beneficial Owner and the Administrator hereby agree
that this Trust Agreement will constitute a legal,  valid and binding  agreement
between the Delaware  Trustee,  the Trust Beneficial Owner and the Administrator
as of the date  specified in the Omnibus  Instrument.  All terms relating to the
Trust or the Notes not  otherwise  included in this Trust  Agreement  will be as
specified in the Omnibus Instrument or Pricing Supplement as indicated herein.

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                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        2
<PAGE>




                                    SECTION B

                                    INDENTURE

         THIS  INDENTURE,  dated as of the Issuance Date, is entered into by and
among  JPMorgan  Chase Bank,  N.A., as indenture  trustee,  registrar,  transfer
agent,  paying  agent  and  calculation  agent  (collectively,   the  "Indenture
Trustee") and the Trust (as defined in this Omnibus Instrument).

                              W I T N E S S E T H:
                               -------------------

         WHEREAS,  the Trust has duly  authorized  the execution and delivery of
this  Indenture  to provide  for the  issuance  of the Notes (as defined in this
Omnibus Instrument);

         WHEREAS,  all  things  necessary  to make  this  Indenture  a valid and
legally binding  agreement of the Trust and the other parties to this Indenture,
enforceable in accordance with its terms, have been done, and the Trust proposes
to do all things  necessary to make the Notes,  when executed and  authenticated
and delivered  pursuant  hereto,  valid and legally  binding  obligations of the
Trust as hereinafter provided; and

         WHEREAS,  the parties hereto desire to  incorporate by reference  those
certain  Standard  Indenture  Terms,  filed as Exhibit  4.1 to the  Registration
Statement dated March 18, 2005 filed with the Securities  Exchange Commission by
Hartford Life (the "Standard  Indenture  Terms") and all  capitalized  terms not
otherwise defined in this Omnibus Instrument shall have the meaning set forth in
the Standard  Indenture Terms (the Standard  Indenture Terms and this Indenture,
collectively, the "Indenture").

         NOW, THEREFORE,  in consideration of the agreements and obligations set
forth herein and for other good and valuable  consideration,  the sufficiency of
which is hereby acknowledged, each party hereby agrees as follows:

         PART 1. AGREEMENT TO BE BOUND. The Trust and the Indenture Trustee each
hereby agrees to be bound by all of the terms,  provisions  and  agreements  set
forth  herein,  with  respect to all  matters  contemplated  herein,  including,
without limitation, those relating to the issuance of the Notes.

         PART  2.  INCORPORATION  BY  REFERENCE.   All  terms,   provisions  and
agreements  of the  Standard  Indenture  Terms  (except to the extent  expressly
modified herein) are hereby incorporated herein by reference with the same force
and effect as though  fully set forth  herein.  To the extent that the terms set
forth herein are  inconsistent  with the terms of the Standard  Indenture Terms,
the terms set forth herein shall apply.

         PART 3.  DESIGNATION  OF THE NOTES.  The Notes issued  pursuant to this
Indenture shall be designated as specified in this Omnibus Instrument.

         PART 4.  ADDITIONAL TERMS.  None.

         PART 5. OMNIBUS  INSTRUMENT;  EXECUTION AND INCORPORATION OF TERMS. The
parties to this  Indenture  will  enter into this  Indenture  by  executing  the
Omnibus  Instrument.  By  executing  the Omnibus  Instrument,  the Trust and the
Indenture  Trustee  hereby agree that this  Indenture  will  constitute a legal,
valid and binding  agreement  between the Trust and the Indenture  Trustee as of
the date specified in the Omnibus Instrument. All terms relating to the Trust or
the Notes not otherwise  included in this  Indenture will be as specified in the
Omnibus Instrument or Pricing Supplement as indicated herein.


                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        3
<PAGE>




                                    SECTION C

                             DISTRIBUTION AGREEMENT

         THIS DISTRIBUTION AGREEMENT, dated as of the Formation Date, is entered
into by and among each Agent  specified in the Pricing  Supplement  as Agent(s),
(each an "Agent"),  Hartford Life  Insurance  Company,  a Connecticut  insurance
company ("Hartford Life") and the Trust (as defined in this Omnibus Instrument).

                              W I T N E S S E T H:
                               -------------------

         WHEREAS,  the Trust has  entered  into the  Indenture,  dated as of the
Issuance  Date by and  between  the Trust and  JPMorgan  Chase  Bank,  N.A.,  as
indenture  trustee (the "Indenture  Trustee") to provide for the issuance by the
Trust of the Notes (as defined in this Omnibus Instrument);

         WHEREAS,  all things  necessary to make this  Distribution  Agreement a
valid and legally  binding  agreement of the Trust and the other parties to this
Distribution  Agreement,  enforceable  in accordance  with its terms,  have been
done, and the Trust proposes to do all things necessary to make the Notes,  when
executed by the Trust and  authenticated  and delivered  pursuant hereto and the
Indenture,  valid and legally  binding  obligations  of the Trust as hereinafter
provided; and

         WHEREAS,  the parties hereto desire to  incorporate by reference  those
certain  Standard  Distribution  Agreement  Terms,  filed as Exhibit  1.1 to the
Registration  Statement dated March 18, 2005 filed with the Securities  Exchange
Commission by Hartford Life (the "Standard  Distribution  Agreement  Terms") and
all capitalized  terms not otherwise  defined in this Omnibus  Instrument  shall
have the meaning set forth in the  Standard  Distribution  Agreement  Terms (the
Standard   Distribution   Agreement  Terms  and  this  Distribution   Agreement,
collectively, the "Distribution Agreement").

         NOW, THEREFORE,  in consideration of the agreements and obligations set
forth herein and for other good and valuable  consideration,  the sufficiency of
which is hereby acknowledged, each party hereby agrees as follows:

         PART 1.  AGREEMENT TO BE BOUND.  The  Agent(s),  Hartford  Life and the
Trust  each  hereby  agrees  to be bound  by all of the  terms,  provisions  and
agreements set forth herein,  with respect to all matters  contemplated  herein,
including, without limitation, those relating to the issuance of the Notes.

         PART  2.  INCORPORATION  BY  REFERENCE.   All  terms,   provisions  and
agreements of the Standard  Distribution  Agreement  Terms (except to the extent
expressly modified herein) are hereby  incorporated herein by reference with the
same force and effect as though fully set forth  herein.  To the extent that the
terms  set  forth  herein  are  inconsistent  with  the  terms  of the  Standard
Distribution Agreement Terms, the terms set forth herein shall apply.

         PART 3.  PURCHASE OF NOTES.  The  Agent(s)  agree to purchase the Notes
having the terms set forth in the Pricing Supplement for the Notes.



                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        4
<PAGE>






         PART 4.  DELIVERY OF OPINIONS.  Pursuant to Sections  4.1, 4.2 and 4.5,
Hartford  Life,  the  Trust  and the  Agent(s)  have  mutually  agreed  that the
opinions,  negative  assurances  and/or  comfort  letter,  if any,  set forth in
Exhibit  B to this  Omnibus  Instrument  are  required  to be  delivered  on the
Issuance Date.

         PART 5.  ADDITIONAL TERMS.   None.

         PART 6. OMNIBUS  INSTRUMENT;  EXECUTION AND INCORPORATION OF TERMS. The
parties  to this  Distribution  Agreement  will  enter  into  this  Distribution
Agreement  by  executing  the  Omnibus  Instrument.  By  executing  the  Omnibus
Instrument  the  Agents,  Hartford  Life and the Trust  hereby  agree  that this
Distribution  Agreement  will  constitute a legal,  valid and binding  agreement
between the Agents,  Hartford Life and the Trust as of the date specified in the
Omnibus  Instrument.  All terms relating to the Trust or the Notes not otherwise
included in this  Distribution  Agreement  will be as  specified  in the Omnibus
Instrument or Pricing Supplement as indicated herein.

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                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        5
<PAGE>


                                    SECTION D

                             COORDINATION AGREEMENT

         THIS COORDINATION AGREEMENT, dated as of the Formation Date, is entered
into by and among  Hartford  Life,  the Trust and the Indenture  Trustee and the
Administrator.

                              W I T N E S S E T H:
                               -------------------

         WHEREAS,  the Trust will enter into the Funding Agreement with Hartford
Life dated as of the Issuance Date;

         WHEREAS,  the Agent(s) have agreed to sell the Notes in accordance with
the Registration Statement; and

         WHEREAS,  the Trust intends to issue the Notes in  accordance  with the
Indenture  and to transfer  the Funding  Agreement to the  Indenture  Trustee in
accordance with the Indenture to secure payment of the Notes.

         NOW, THEREFORE,  in consideration of the agreements and obligations set
forth herein and for other good and valuable  consideration,  the sufficiency of
which is hereby acknowledged, each party hereby agrees as follows:

         PART 1.  AGREEMENT  TO BE  BOUND.  Hartford  Life,  the  Trust  and the
Indenture Trustee each hereby agrees to be bound by all of the terms, provisions
and  agreements  set forth  herein,  with  respect to all  matters  contemplated
herein,  including,  without  limitation,  those relating to the issuance of the
Notes.

         PART 2. DELIVERY OF THE FUNDING AGREEMENT.  The Trust hereby authorizes
the  Indenture  Trustee to receive  the Funding  Agreement  from  Hartford  Life
pursuant to the Assignment of the Funding  Agreement (the  "Assignment"),  to be
entered into on the Issuance Date, and included in the closing  instrument dated
as of the Issuance Date (the "Closing Instrument").

         PART 3.  ISSUANCE  AND  PURCHASE OF THE NOTES.  Delivery of the Funding
Agreement to the  Indenture  Trustee  pursuant to the  Assignment of the Funding
Agreement  shall  be  confirmation  of  payment  by the  Trust  for the  Funding
Agreement.  The Trust hereby directs the Indenture Trustee,  upon receipt of the
Funding Agreement  pursuant to the Assignment,  (a) to authenticate the Notes in
accordance  with the  Indenture and (b) to (i) deliver each relevant Note to the
clearing  system or systems  identified  in each such Note, or to the nominee or
custodian of such clearing  system,  for credit to such accounts as the Agent(s)
may direct,  or (ii) deliver each  relevant  Note to the  purchasers  thereof as
identified by the Agent(s).

         PART 4. DIRECTIONS REGARDING PERIODIC PAYMENTS.  As registered owner of
the  Funding  Agreement  as  collateral  securing  payments  on the  Notes,  the
Indenture  Trustee will receive  payments on the Funding  Agreement on behalf of
the Trust.  The Trust hereby directs the Indenture  Trustee to use such funds to
make  payments on behalf of the Trust  pursuant to the Trust  Agreement  and the
Indenture.

         PART 5.  MATURITY OF THE FUNDING  AGREEMENT.  Upon the  maturity of the
Funding Agreement and the return of funds  thereunder,  the Trust hereby directs
the Indenture  Trustee to set aside from such funds an amount sufficient for the
repayment of the outstanding principal on the Notes when due.

         PART  6.   ACKNOWLEDGEMENT  OF  PRIOR  AGREEMENTS.   The  Trust  hereby
acknowledges,  agrees  to and  become  a party  to  each  of the  Administrative
Services  Agreement,  the  License  Agreement,  and the  Expense  and  Indemnity
Agreement related to the Delaware Trustee. The Administrator hereby acknowledges
the formation of the Trust and affirms its  obligations  to provide  services to
the Trust as set forth in the Administrative Services Agreement.


                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        6
<PAGE>


         PART 7. CERTIFICATES.  Hartford Life and the Trust each hereby agree to
deliver, on a quarterly basis, such certificate(s) as are required by any rating
agency then rating the Program.

         PART 8. NO ADDITIONAL LIABILITY. Nothing in this agreement shall impose
any liability or  obligation on the part of any party to this  agreement to make
any payment or  disbursement  in addition to any  liability or  obligation  such
party has under the Issuance  Documents or any other  agreements  related to the
Program,  except to the extent that a party has actually received funds which it
is obligated to disburse pursuant to this agreement.

         PART 9. NO CONFLICT.  This Coordination  Agreement is intended to be in
furtherance of the agreements reflected in the documents related to the Issuance
Documents,  and  not  in  conflict.  To the  extent  that a  provision  of  this
Coordination  Agreement  conflicts  with the  provisions of one or more Issuance
Documents, the provisions of such documents shall govern.

         PART  10.  GOVERNING  LAW.  This  agreement  shall be  governed  by and
construed in accordance with the laws of the State of New York without regard to
the principles of conflicts of laws thereof.

         PART 11.  SEVERABILITY.  If any  provision in this  agreement  shall be
invalid,  illegal or  unenforceable,  such provisions  shall be deemed severable
from the remaining  provisions of this  agreement and shall in no way affect the
validity or enforceability of such other provisions of this agreement.

         PART 12. OMNIBUS INSTRUMENT;  EXECUTION AND INCORPORATION OF TERMS. The
parties  to this  Coordination  Agreement  will  enter  into  this  Coordination
Agreement  by  executing  the  Omnibus  Instrument.  By  executing  the  Omnibus
Instrument,  each party  hereto  agrees that this  Coordination  Agreement  will
constitute a legal,  valid and binding agreement by and among Hartford Life, the
Trust and the Indenture  Trustee as of the Issuance  Date. All terms relating to
the Trust or the Notes not  otherwise  included in this  Coordination  Agreement
will  be as  specified  in the  Omnibus  Instrument  or  Pricing  Supplement  as
indicated in the Omnibus Instrument.

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                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        7
<PAGE>


                                    SECTION E

                        MISCELLANEOUS AND EXECUTION PAGES

         Notwithstanding  any other  provisions of this Omnibus  Instrument,  no
amendment to this Omnibus  Instrument may be made if such amendment  would cause
the Trust not to be  disregarded  or treated as a grantor  trust  (assuming  the
Trust were not disregarded) for U.S. federal income tax purposes.

         This Omnibus  Instrument  may be executed by each of the parties hereto
in any number of  counterparts,  and by each of the  parties  hereto on separate
counterparts,  each of which counterparts, when so executed and delivered, shall
be deemed to be an original, but all such counterparts shall together constitute
but one and the same instrument.  Facsimile  signatures shall be deemed original
signatures.

         Each signatory,  by its execution hereof, does hereby become a party to
each of the  agreements  identified  for such party as of the date  specified in
such agreements.

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                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        8
<PAGE>



         IN  WITNESS  WHEREOF,   the  undersigned  have  executed  this  Omnibus
Instrument.

                                   HARTFORD LIFE INSURANCE COMPANY (in executing
                                   below  agrees and  becomes a party to (i) the
                                   Distribution Agreement set forth in Section C
                                   herein,  and (ii) the Coordination  Agreement
                                   set forth in Section D herein).


                                   By: /s/ KEN McCULLUM
                                       -----------------------
                                       Name: Ken McCullum
                                       Title: VP, IIP
















                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                        9
<PAGE>




IN WITNESS WHEREOF, the undersigned have executed this Omnibus Instrument.

                                   HARTFORD LIFE GLOBAL  FUNDING TRUST  2006-001
                                   in executing below agrees and becomes a party
                                   to (i) the  Indenture  set forth in Section B
                                   herein,  (ii) the Distribution  Agreement set
                                   forth in  Section  C  herein  and  (iii)  the
                                   Coordination Agreement set forth in Section D
                                   herein).

                                   By:  Wilmington  Trust  Company,  not  in its
                                   individual  capacity  but solely as  Delaware
                                   Trustee



                                   By:  /s/ JEANNE M. OLLER
                                        ----------------------------------------
                                        Name:  JEANNE M. OLLER
                                        Title: SENIOR FINANCIAL SERVICES OFFICER




                                   WILMINGTON TRUST COMPANY,  in executing below
                                   agrees  and  becomes  a  party  to the  Trust
                                   Agreement set forth in Section A herein,  not
                                   in its  individual  capacity  but  solely  as
                                   Delaware Trustee.



                                   By:  /s/ JEANNE M. OLLER
                                        ----------------------------------------
                                        Name:  JEANNE M. OLLER
                                        Title: SENIOR FINANCIAL SERVICES OFFICER







                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                       10
<PAGE>


IN WITNESS WHEREOF, the undersigned have executed this Omnibus Instrument.

                                   AMACAR  PACIFIC  CORP.  in  executing   below
                                   agrees  and  becomes a party to (i) the Trust
                                   Agreement  set  forth in  Section A herein in
                                   its  capacity as Trust  Beneficial  Owner and
                                   Administrator   and  (ii)  the   Coordination
                                   Agreement  set  forth in  Section D herein in
                                   its capacity as Administrator.


                                   By: /s/ EVELYN ECHEVARRIA
                                       -------------------------
                                       Name:  EVELYN ECHEVARRIA
                                       Title: VICE PRESIDENT


















                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                       11
<PAGE>



IN WITNESS WHEREOF, the undersigned have executed this Omnibus Instrument.

                                   JPMORGAN CHASE BANK,  N.A. in executing below
                                   agrees  and   becomes  a  party  to  (i)  the
                                   Indenture  set  forth in  Section B herein in
                                   its capacity as Indenture Trustee, Registrar,
                                   Transfer Agent,  Paying Agent and Calculation
                                   Agent, and (ii) the  Coordination  Agreement,
                                   set forth in Section D herein in its capacity
                                   as Indenture Trustee.


                                   By:  /S/ ALBERT P. MARI, JR.
                                        --------------------------------
                                        Name:  ALBERT P. MARI, JR.
                                        Title: VICE PRESIDENT














                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                       12
<PAGE>



IN WITNESS WHEREOF, the undersigned have executed this Omnibus Instrument.

                                   BEAR,  STEARNS & CO. INC. in executing  below
                                   agrees   and   becomes   a   party   to   the
                                   Distribution Agreement set forth in Section C
                                   herein on  behalf  of itself  and each of the
                                   agents named in the Pricing Supplement.



                                   By: /s/ CHRIS O'CONNOR
                                       --------------------------
                                       Name:  Chris O'Connor
                                       Title: Authorized Signatory










                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                       13
<PAGE>



                                    EXHIBIT A

                               PRICING SUPPLEMENT

                                                Filed pursuant to Rule 424(b)(2)
                                                             File No. 333-123441

Pricing Supplement No. 96 dated January 3, 2006.
(To Prospectus dated April 15, 2005 and Prospectus
Supplement dated May 5, 2005)
This Pricing Supplement consists of 2 pages.

                         Hartford Life Insurance Company
                                    Depositor

                           Fixed Rate IncomeNotes(sm)
                                 Issued through

                   Hartford Life Global Funding Trust 2006-001

                    5.00% Callable Notes due January 15, 2011

The description in this pricing  supplement of the particular terms of the 5.00%
IncomeNotes(sm)  offered hereby and the Funding  Agreement sold by Hartford Life
Insurance  Company to the Trust specified herein  supplements the description of
the general  terms and  provisions of the notes and the funding  agreements  set
forth  in the  accompanying  prospectus  and  prospectus  supplement,  to  which
reference is hereby made.

                                    PROVISIONS RELATING TO THE NOTES
<TABLE>
<S>                     <C>                       <C>                         <C>
Principal Amount:       $1,307,000.00             Interest Rate:              5.00%

Price to Public:        100%                      Issuance Date:              January 6, 2006

Net Proceeds to Trust:  $1,293,930.00             Stated Maturity Date:       January 15, 2011

Agent's Discount:       1.00%                     Initial Interest Payment Date: July 15, 2006

CUSIP Number:           41659FHA5                 Interest Payment Frequency: Semi-Annually

Day Count Convention: 30/360                      Regular Record Dates: 15 days prior to an
                                                  Interest Payment Date.
Optional Redemption: Yes [X] No [ ]               The Survivor's Option  [X] is  [ ] is not
Optional Redemption Date: January 15, 2008        available
  or any Interest Payment Date thereafter.          Annual Put Limitation: $1 million or 1%
  Initial Redemption Percentage: 100%               Individual Put Limitation: $250,000
  Annual Percentage Reduction: N/A                  Trust Put Limitation: N/A
  Redemption may be: [X] In whole only.           Authorized Denominations: $1,000 integral
                     [ ] In whole or in part.     amounts.

Securities Exchange Listing: None.                Special Tax Considerations: None.

Other Provisions Relating to the Notes: None.
</TABLE>




                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                       14
<PAGE>

Agents : Bear, Stearns & Co. Inc., A.G. Edwards & Sons, Inc., Advest Inc., Banc
of America Securities LLC, Charles Schwab & Co., Inc., Citigroup, HSBC,
JPMorgan, Merrill Lynch & Co., Morgan Stanley, Raymond James, RBC Dain Rauscher,
Inc., Scott & Stringfellow, Inc., UBS Financial Services, Inc., Wachovia
Securities, WM Financial Services


                           INFORMATION RELATING TO THE FUNDING AGREEMENT
<TABLE>
<S>                                                  <C>                          <C>
Funding Agreement Provider: Hartford Life Insurance Company

Funding Agreement:          FA-406001                Interest Rate:               5.00%

Contract Payment:           $1,307,015.00            Effective Date:              January 6, 2006

Deposit Amount :            $1,293,945.00            Stated Maturity Date:        January 15, 2011
(if different from Contract Payment)

Day Count Convention:       30/360                   Initial Interest Payment Date:  July 15, 2006
Special Tax Considerations: None.                    Interest Payment Frequency:
                                                     Semi-Annually
Optional Redemption:  Yes [X] No [ ]                 Survivor Option: Under the Funding
Optional Redemption Date: January 15, 2008             Agreement, Hartford Life Insurance
or any Interest Payment Date thereafter.               Company [X] is [ ] is not  required to
Initial Redemption Percentage: 100%                    provide the Trust with amounts it needs to
Annual Percentage Reduction:   N/A                     honor valid exercises of the Survivor's
Redemption may be:  [X] In whole only.                 Option.
                    [ ] In whole  or in part.
                                                     Other Provisions Relating to the Funding
                                                     Agreement: None.
</TABLE>

           INFORMATION PERTAINING TO THE RATINGS OF THE NOTES AND THE
                               FUNDING AGREEMENT

It is  anticipated  that, as of January 6, 2006,  the Notes will be rated by the
indicated rating agencies as follows:

                  Standard & Poor's:  AA-            Moody's: Aa3
                  A.M. Best: aa-                     Fitch: AA

The Moody's rating also extends to the Program under which the Notes are issued.

It is  anticipated  that, as of January 6, 2006,  the Funding  Agreement will be
rated by the indicated rating agencies as follows:

                  Standard & Poor's:  AA-            Moody's: Aa3
                  A.M. Best: aa-                     Fitch: AA









                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                       15
<PAGE>



                                    EXHIBIT B

                          RATINGS; REQUIRED DELIVERIES

RATINGS:
--------

In connection with Section 1.1.3 of the Distribution Agreement, the Program
under which the Notes are issued, as well as the Notes, are anticipated to be
rated Aa3 by Moody's and the Notes are rated AA- by S&P. In connection with
Section 1.3.10 of the Distribution Agreement, the Company's financial strength
rating is Aa3 by Moody's, AA- by S&P, aa- by A.M. Best, and AA by Fitch.

REQUIRED DELIVERIES:
--------------------

Pursuant to Section 4.1, 4.2 and/or 4.5 of the Distribution Agreement the
following opinions, negative assurances and/or comfort letter are required to be
delivered on the Issuance Date (as defined in the Omnibus Instrument):

None.
















                   Hartford Life Global Funding Trust 2006-001
                               Omnibus Instrument
                                       16