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                                                                     EXHIBIT 4.3


                         HARTFORD LIFE INSURANCE COMPANY
                           (A STOCK INSURANCE COMPANY)
                200 HOPMEADOW STREET, SIMSBURY, CONNECTICUT 06089

                                FUNDING AGREEMENT

CONTRACTHOLDER:  HARTFORD LIFE GLOBAL FUNDING TRUST 2006-001 BY WILMINGTON TRUST
                 COMPANY, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE,
                 FOR THE BENEFIT OF HARTFORD LIFE GLOBAL FUNDING TRUST 2006-001

CONTRACT NUMBER: FA-406001

EFFECTIVE DATE:  JANUARY 6, 2006           ISSUE STATE:    DELAWARE

HARTFORD LIFE INSURANCE COMPANY AND THE CONTRACTHOLDER HEREBY AGREE TO THE TERMS
IN THIS  FUNDING  AGREEMENT  (THE  "CONTRACT").  THIS  CONTRACT,  INCLUDING  THE
SCHEDULE ATTACHED,  AND ANY AMENDMENTS  THERETO,  CONSTITUTE THE ENTIRE CONTRACT
BETWEEN HARTFORD LIFE INSURANCE COMPANY AND THE CONTRACTHOLDER. THIS CONTRACT IS
DELIVERED IN THE ISSUE STATE AND IS GOVERNED BY THE LAWS OF THAT STATE.

WHEN "WE",  "US" OR "OUR" IS USED IN THIS  CONTRACT,  IT MEANS THE HARTFORD LIFE
INSURANCE COMPANY.  WHEN "YOU" OR "YOUR" IS USED IN THIS CONTRACT,  IT MEANS THE
CONTRACTHOLDER  NAMED ABOVE AND INCLUDES ANY PERSON WITH AUTHORITY TO ACT ON THE
CONTRACTHOLDER'S BEHALF, WITH RESPECT TO THIS CONTRACT.

IN WITNESS WHEREOF, HARTFORD LIFE INSURANCE COMPANY AND THE CONTRACTHOLDER HAVE
AGREED TO THIS CONTRACT AS OF THE EFFECTIVE DATE AND CAUSED THE SAME TO BE IN
FULL FORCE AND EFFECT.

   /s/ Richard G. Costello                               /s/ Thomas M. Marra

RICHARD G. COSTELLO, SECRETARY                        THOMAS M. MARRA, PRESIDENT

                                FUNDING AGREEMENT
                                NON-PARTICIPATING
                                 GENERAL ACCOUNT
                                 GUARANTEED RATE

                                                       THE [GRAPHIC OMITTED]
                                                       HARTFORD





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                                TABLE OF CONTENTS

                                                                   PAGE NUMBER

PART 1 - DEFINITIONS ..................................................1

PART 2 - ACCUMULATION FUND OPERATION ..................................2

PART 3 - PAYMENTS FROM ACCUMULATION FUND...............................2

PART 4 - TERMINATION OF CONTRACT ......................................3

PART 5 - GENERAL PROVISIONS ...........................................4






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                              PART 1 - DEFINITIONS

1.01 CONTRACT DEFINITIONS. The following terms have the meanings indicated:

"ACCUMULATION  FUND" is the accounting  record we establish under this Contract,
as described in ss.2.01, for the Contract Payment set forth in the Schedule.

"BUSINESS  DAY" is any day,  other than  Saturday  or Sunday,  that is neither a
legal holiday nor a day on which  commercial banks are authorized or required by
law,  regulation  or  executive  order to close in the City of New York and,  if
funds are payable in a currency other than U.S.  Dollars,  the city specified in
the Schedule.

"CALL DATE" is the day or days prior to the Maturity Date, if any,  specified in
the  Schedule  hereto,  on which we may  elect to pay you all or any part of the
Fund  Balance.  If no Call Date is indicated in a Schedule,  we will pay you the
Fund Balance prior to the Maturity Date only to the extent provided in ss.4.02.

"CONTRACT  PAYMENT"  is the  amount we credit  to the  Accumulation  Fund on the
Deposit Date as set forth in the Schedule.

"DEPOSIT DATE" is the date,  specified in the Schedule,  on which we receive the
amount necessary to support the Contract Payment.

"EVENT OF DEFAULT" has the meaning described in ss.4.03.

"FUND BALANCE" is the value of the  Accumulation  Fund,  determined  pursuant to
ss.2.03.

"GUARANTEED  RATE" is the interest  rate applied to the  Accumulation  Fund,  as
stated in the Schedule.

"INDENTURE" is the indenture  agreement,  dated January 6, 2006 made between the
Contractholder,  the Indenture  Trustee and certain other parties named therein,
as such agreement may be amended, supplemented or replaced from time to time.

"INDENTURE  TRUSTEE"  is  JPMorgan  Chase  Bank,  N.A.,  as  trustee  under  the
Indenture, or its successor.

"MATURITY DATE" is the date, as set forth in the Schedule, when the Fund Balance
is payable in full to you. Unless  otherwise  indicated in the Schedule,  if the
stated  date is not a Business  Day,  the  Maturity  Date is the next  following
Business  Day.  Interest  accrues  during  such delay only if  specified  in the
Schedule.

"PROGRAM"  is the  Hartford  Life Global  Funding  program,  as described in the
prospectus dated April 15, 2005, including any applicable  prospectus supplement
or pricing supplement or in any amendment thereto.

"SCHEDULE"  is  the  Accumulation   Fund  Supplement   attached  hereto,   which
establishes the terms for the Accumulation Fund.

"TAX EVENT" has the meaning described in ss.4.04.

"TERMINATION DATE" is the earlier of the date of an automatic  termination under
ss.4.01 or the  effective  date of an early  termination  you or we elect  under
ss.4.02.


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1.02 OTHER DEFINITIONS.  Other capitalized terms appearing in this Contract have
the meanings indicated on this Contract's face page or in the Schedule.

                      PART 2 - ACCUMULATION FUND OPERATION

2.01  ESTABLISHING  THE ACCUMULATION  FUND. The  Accumulation  Fund is a general
account record we establish to reflect the Fund Balance. The Contract Payment is
allocated  to our  general  account for  investment.  We have no  obligation  to
segregate such amounts.  The Fund Balance will not be affected by the investment
results of the assets held in our general account.

2.02 CONTRACT PAYMENTS. You agree to pay to us, in U.S. Dollars,  unless another
currency  is  specified  in the  Schedule,  and by  wire  transfer,  the  amount
necessary to support the Contract Payment on the Deposit Date.

2.03 VALUE OF THE  ACCUMULATION  FUND.  The Fund Balance on any given day equals
the Contract  Payment,  plus interest  credited  thereon at the Guaranteed Rate,
less  any  payments  made  under  Part 3.  Interest  is  credited  based  on the
methodology specified in the Schedule. Interest is earned at the Guaranteed Rate
from the Deposit  Date to but  excluding  the Maturity  Date or earlier  payment
date.

2.04  INTEREST  ON  THE   ACCUMULATION   FUNDS.  The  Guaranteed  Rate  for  the
Accumulation Fund is effective until the Maturity Date, provided, if an Event of
Default occurs,  interest  continues to be credited at the Guaranteed Rate until
actual  payment of all  amounts  due.  The  interest  crediting  methodology  is
specified in the Schedule.

                    PART 3 - PAYMENTS FROM ACCUMULATION FUND

3.01 PERIODIC  PAYMENTS.  We shall  periodically pay you interest in the amounts
specified  in  the  Schedule  as  Periodic  Payments,  on the  dates  specified,
including the Maturity Payout.  Such payment amounts are adjusted to reflect any
other payment  payable under this part. The interest  factor used in making such
adjustments is the Guaranteed Rate.

3.02 OPTIONAL REDEMPTION PAYMENTS. If so indicated in the Schedule, we shall pay
you amounts you need to redeem or repay any notes or other instruments issued by
you and backed by this  Contract,  pursuant to any limited  right of  redemption
contained in such note or instrument.  We may require  reasonable  evidence that
the  redemption or payment  request  satisfied  all of the terms and  conditions
described in the prospectus,  prospectus  supplement  and/or pricing  supplement
applicable to such note or other instrument. Additional restrictions, if any, on
your reimbursement rights under this section may be included in the Schedule.

3.03 EARLY  PRE-PAYMENT BY US. If so indicated in the Schedule,  we may elect to
pay you all or any part of the Fund  Balance on the Call Dates  specified in the
Schedule.  Unless otherwise provided in the Schedule,  we will give you at least
45 and no more than 75 days  notice of our intent to make such  pre-payment.  No
adjustment will be made in the amount of such payment, unless such adjustment is
specifically provided for in the Schedule.

3.04  MATURITY PAYMENTS. We shall pay you the Fund Balance on the Maturity Date.



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3.05 FORM OF  PAYMENT.  All  payments  we make to you are made in U.S.  Dollars,
unless another currency is specified in the Schedule,  by wire transfer,  unless
otherwise  agreed in writing by the parties hereto.  Unless  otherwise stated in
the  Schedule,  all payments we make are net of any  applicable  withholding  or
deduction  for or on account of any  present or future  taxes,  duties,  levies,
assessments or other  governmental  charges of whatever nature imposed or levied
by or on behalf of any governmental  authority having the power to tax. Such net
payments  fully  satisfy our  obligation  to you with respect to the full amount
due.

                        PART 4 - TERMINATION OF AGREEMENT

4.01  AUTOMATIC  TERMINATION.  This  Contract  terminates  with  respect  to the
Accumulation  Fund when the Fund  Balance is zero or upon the  occurrence  of an
Event of Default described in ss.4.03(a).


4.02  EARLY  TERMINATION.  You may  terminate  this  Contract,  by giving us two
Business  Days notice upon the  occurrence  of an Event of Default  specified in
ss.4.03(b),  (c) or (d) below.  We may terminate this Contract by giving you not
less than forty-five  days, but no more than  seventy-five  days,  prior written
notice of the occurrence of a Tax Event as described below.

4.03     EVENTS OF DEFAULT.  An Event of Default occurs if:

(a)      We are dissolved or a resolution is passed or proceeding instituted for
         our winding-up, liquidation or similar arrangement (other than pursuant
         to a consolidation, amalgamation or merger);

(b)      We breach any  material  obligation,  representation  or  certification
         contained  herein,  provided  that there is no bona fide  dispute as to
         whether  such breach has occurred  and that such breach  continues  for
         fifteen Business Days following your notice of such breach;

(c)      We fail to make any required  Periodic Payout described in the Schedule
         or any other  payment  described in  ss.ss.3.02  or 3.03 in this or any
         other funding  agreement we issue in connection  with the Program,  and
         such  failure  continues  for five  Business  Days  after  the due date
         thereof;

(d)      We fail to make the Maturity Payout described in the Schedule or in any
         other  funding  agreement we issue in  connection  with the Program and
         such failure is  continuing as of the end of the Business Day following
         the due date thereof.

4.04 A TAX  EVENT.  A Tax  Event  occurs  if we  have  received  an  opinion  of
independent  legal  counsel  stating  in  effect  that  there  is  more  than an
insubstantial  risk that as a result of any amendment  to, or change  (including
any announced  prospective  change) in, the laws (or regulations  thereunder) of
the United States or any political  subdivision or taxing  authority  thereof or
therein or any amendment to, or change in, an  interpretation  or application of
any such laws or regulations by any governmental authority in the United States,
which  amendment  or change is enacted,  promulgated,  issued or announced on or
after the Effective Date, you are or will be within 90 days of the date thereof,
(1)  subject to U.S.  federal  income tax with  respect to  interest  accrued or
received on this  Contract  or (2)  subject to more than a de minimis  amount of
taxes, duties or other governmental charges.



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4.05 PAYMENT UPON TERMINATION.  Unless otherwise  specified in the Schedule,  we
shall  pay you the Fund  Balance  on the date  this  Contract  terminates.  Such
payment fully discharges our obligation to you under this Contract.


                           PART 5 - GENERAL PROVISIONS

5.01  DISCLAIMER  OF  RESPONSIBILITY.  Our only  liability is as set out in this
Contract,  including the Schedule  hereto.  In performing our obligations  under
this Contract,  we are not acting as your fiduciary or agent or as the fiduciary
or agent for anyone else.

5.02 NOTICES. All agreements, notices, directions,  consents, elections or other
communication ("Notices") required by this Contract must be in writing, directed
to the applicable  address  designated on the face page. Any such Notices may be
given by  facsimile  transmission  or other  acceptable  electronic  means.  All
Notices are effective when received.

5.03  AMENDMENTS.  This  Contract  may be  amended  only by a written  agreement
between the parties hereto.


5.04  TRANSFERABILITY.  This  Contract  and the  Accumulation  Fund  established
hereunder  may be sold,  assigned,  or pledged in accordance  with,  and for the
purposes   contemplated   by,  the  documents  and   agreements   governing  the
establishment  and  operation  of the  Program.  We will  maintain  a record  of
ownership of this Contract in our books and records.

5.05 PAYMENTS BY US. When this Contract  provides that we will make a payment to
you,  such payment  shall be made to you or to the agent you  designate.  Unless
otherwise specified in the Schedule, if a payment date is a non-Business Day, we
pay such amount on the next Business Day.

5.06  WAIVER BY US. At your  request,  we may waive  any  terms,  conditions  or
adjustments  provided  for in this  Contract.  Any such waiver is subject to any
limitations  we specify  in making  the waiver and does not  require us to grant
similar  future  waivers.  A failure or delay in  exercising  a right under this
Contract does not waive our right or ability to assert such right in the future.

5.07 MUTUAL REPRESENTATIONS. The parties mutually represent and warrant, each to
the other, that:

(a)      This Contract is its legal, valid and binding  obligation,  enforceable
         in  accordance  with  its  terms,  subject  to  applicable  bankruptcy,
         insolvency,   reorganization,   moratorium  or  other  laws   affecting
         creditor's  rights,  and  subject,  as to  enforceability,  to  general
         principles of equity,  regardless of whether enforcement is sought in a
         proceeding in equity or at law;

(b)      It has the power to enter  into this  Contract  and to  consummate  the
         transactions contemplated hereby;



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(c)      All  information  provided in connection  with this Contract is, to the
         best of its knowledge and belief, true, correct and complete;

(d)      The  execution  and delivery of this  Contract and the  performance  of
         obligations  hereunder  do not and will not  constitute  or result in a
         default,  breach  or  violation,  of the  terms  or  provisions  of its
         certificate,  articles  or charter  of  incorporation,  declaration  of
         trust,  by-laws  or  any  agreement,  instrument,  mortgage,  judgment,
         injunction or order applicable to it or any of its property.

5.08 TAX PROVISIONS.  You, and each transferee or assignee of this Contract,  to
the extent required by law, agree to provide us with any properly  completed tax
forms  that are  needed for us to satisfy  our tax  reporting  obligations  with
respect to amounts  held under this  Contract.  This  Contract is intended to be
disregarded for U.S. federal,  state and local income and franchise tax purposes
or, to the extent it cannot be disregarded, as our debt for such purposes.
















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                         HARTFORD LIFE INSURANCE COMPANY

                    ACCUMULATION FUND SUPPLEMENT (FIXED RATE)
                                (THE "SCHEDULE")

                            CONTRACT NUMBER FA-406001

DEPOSIT DATE[S]:           January 6, 2006

CONTRACT PAYMENT[S]:       $1,307,015.00

GUARANTEED RATE:           5.00%

INTEREST CREDITING:        Interest  is  credited  based on a 30-day  month  and
                           using a 360-day  year,  applied  to the Fund  Balance
                           each day.

PERIODIC PAYOUTS:          On July 15,  2006,  and the 15th day of each  January
                           and July thereafter,  we will pay you all accrued and
                           unpaid interest.  If such date is not a Business Day,
                           the  Periodic  Payout  is made on the next  following
                           Business Day without  interest for the period payment
                           is deferred.

OPTIONAL REDEMPTION:       Optional redemptions under ss.3.02 may be made solely
                           with respect to the  "survivor  option"  described in
                           the prospectus  supplement  dated May 5, 2005 for the
                           Program and the pricing  supplement for Hartford Life
                           Global Funding Trust 2006-001.

CALL TERMS:                We may  elect  to pay  you all of the  Fund  Balance,
                           under  ss.3.03 on January  15, 2008 or as of any date
                           thereafter  when a Periodic  Payout is due (the "Call
                           Dates").

MATURITY PAYOUT:           On January 15, 2011 (the "Maturity Date") we will pay
                           you the Fund Balance.

OTHER TERMS:               None.





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