EXHIBIT 4.5


                               OMNIBUS INSTRUMENT

                                 WITH REGARD TO

                   HARTFORD LIFE GLOBAL FUNDING TRUST 2005-102

        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
2005-102 (the "Trust") of Hartford Life Global Funding Trust 2005-102 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 August 11, 2005 (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 August  18,  2005 (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 2005-102
                               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. For purposes of Section 10.03 of the Standard
Trust Agreement Terms, the address of the Indenture Trustee shall be:

                Law Debenture Trust Company of New York
                767 Third Avenue
                New York, New York 10017
                Attention: Daniel Fisher
                Facsimile: (212) 750-1361

With a copy to JPMorgan Chase Bank, N.A., at:

                JPMorgan Chase Bank, N.A.
                4 New York Plaza, 15th Floor
                New York, New York 10004
                Attention: Institutional Trust Services
                Facsimile: (212) 623-6167

        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 2005-102
                               Omnibus Instrument
                                        2
<PAGE>


                                    SECTION B

                                    INDENTURE

        THIS  INDENTURE,  dated as of the Issuance  Date, is entered into by and
among Law Debenture Trust Company of New York as Indenture Trustee, and JPMorgan
Chase Bank, N.A.,  ("JPMorgan") as registrar,  transfer agent,  paying agent and
calculation agent 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,  the  Indenture  Trustee and
JPMorgan  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.  For avoidance of doubt,  with respect to the
Notes,  Law Debenture  Trust  Company of New York is the  Indenture  Trustee and
JPMorgan Chase Bank,  N.A., is the Registrar,  Transfer Agent,  Paying Agent and
Calculation Agent.

For purposes of Section 7.11 of the Indenture, the number "$250,000,000" shall
be changed to "$50,000,000".

                   Hartford Life Global Funding Trust 2005-102
                               Omnibus Instrument
                                        3
<PAGE>


For purposes of Section 1.05 of the Indenture, the address of the Indenture
Trustee shall be:

                Law Debenture Trust Company of New York
                767 Third Avenue
                New York, New York 10017
                Facsimile: (212) 750-1361
                Attention: Daniel Fisher

        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,  the
Indenture  Trustee and JPMorgan hereby agree that this Indenture will constitute
a legal,  valid and binding agreement among the Trust, the Indenture Trustee and
JPMorgan 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 2005-102
                               Omnibus Instrument
                                        4
<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 date
hereof  by and among the  Trust,  Law  Debenture  Trust  Company  of New York as
indenture  trustee (the "Indenture  Trustee") and JPMorgan Chase Bank,  N.A., as
paying agent, registrar, transfer agent and calculation agent 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 2005-102
                               Omnibus Instrument
                                        5
<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 2005-102
                               Omnibus Instrument
                                        6
<PAGE>


                                    SECTION D

                             COORDINATION AGREEMENT

        THIS COORDINATION AGREEMENT,  dated as of the Formation Date, is entered
into by and among  Hartford  Life, the Trust,  the Indenture  Trustee,  JPMorgan
Chase Bank, N.A., as Paying Agent ("JPMorgan") 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,  the Indenture
Trustee  and  JPMorgan  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.  The Paying Agent will
receive,  and the Indenture Trustee as registered owner of the Funding Agreement
as collateral securing payments on the Notes, acknowledges that the Paying Agent
will  receive  payments on the Funding  Agreement on behalf of the Trust and the
Indenture Trustee.  The Trust and the Indenture Trustee hereby direct the Paying
Agent  to use  such  funds to make  payments  on  behalf  of the  Trust  and the
Indenture Trustee pursuant to the Trust Agreement and the Indenture.  The Paying
Agent agrees to deliver to Hartford Life for filing as an exhibit to the Trust's
Annual Report on Form 10-K, filed under the Securities  Exchange Act of 1934, as
amended,  an Annual Funds  Application  Statement in the form attached hereto as
Exhibit C.

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

                   Hartford Life Global Funding Trust 2005-102
                               Omnibus Instrument
                                        7
<PAGE>


        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.

        The Trust, the Administrator and the Delaware Trustee each hereby agrees
that  solely  with  respect  to the  Trust  and  the  Notes,  references  in the
Administrative  Services  Agreement to "JPMorgan Chase Bank,  N.A." as Indenture
Trustee are hereby amended to read "Law Debenture Trust Company of New York".

        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, the Indenture  Trustee and JPMorgan Chase Bank, N.A., as Paying Agent, 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 2005-102
                               Omnibus Instrument
                                        8

<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 2005-102
                               Omnibus Instrument
                                       9
<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 2005-102
                               Omnibus Instrument
                                       10
<PAGE>


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



                                HARTFORD LIFE GLOBAL  FUNDING TRUST  2005-102 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 2005-102
                               Omnibus Instrument
                                       11
<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/ Douglas K. Johnson
                                    ---------------------------
                                    Name:  Douglas K. Johnson
                                    Title: President

                   Hartford Life Global Funding Trust 2005-102
                               Omnibus Instrument
                                       12
<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
                                Registrar,  Transfer  Agent,  Paying  Agent  and
                                Calculation  Agent,  and (ii)  the  Coordination
                                Agreement,  set forth in Section D herein in its
                                capacity as Paying Agent.


                                By: /s/ Albert P. Mari, Jr.
                                    ----------------------------
                                    Name:  Albert P. Mari, Jr.
                                    Title: Vice President



                                LAW  DEBENTURE  TRUST  COMPANY  OF NEW YORK,  in
                                executing  below,  agrees and becomes a party to
                                (i) the  indenture set forth in Section B herein
                                in its  capacity as  Indenture  Trustee and (ii)
                                the  Coordination  Agreement,  as set  forth  in
                                Section D herein in its  capacity  as  Indenture
                                Trustee.


                                By: /s/ Adam Berman
                                    ----------------------------
                                    Name:  Adam Berman
                                    Title: Vice President



                   Hartford Life Global Funding Trust 2005-102
                               Omnibus Instrument
                                       13
<PAGE>


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



                                J.P.  MORGAN  SECURITIES 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/ Stephen L. Sheiner
                                    ----------------------------
                                    Name:  STEPHEN L. SHEINER
                                    Title: VICE PRESIDENT



                   Hartford Life Global Funding Trust 2005-102
                               Omnibus Instrument
                                       14
<PAGE>


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



                                BANC  OF  AMERICA  SECURITIES  LLC 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/ Lily Chang
                                    ----------------------------
                                    Name:  Lily Chang
                                    Title: Principal



                   Hartford Life Global Funding Trust 2005-102
                               Omnibus Instrument
                                       15
<PAGE>

Pricing Supplement No. 42 dated August 11, 2005.
(To Prospectus dated April 15, 2005 and Prospectus
Supplement dated May 5, 2005)
This Pricing Supplement consists of 8 pages.

                                                Filed pursuant to Rule 424(b)(5)
                                                             File No. 333-123441

                         HARTFORD LIFE INSURANCE COMPANY
                                    DEPOSITOR

                            SECURED MEDIUM-TERM NOTES
                                 ISSUED THROUGH

                   HARTFORD LIFE GLOBAL FUNDING TRUST 2005-102

               EXTENDIBLE FLOATING RATE NOTES DUE AUGUST 15, 2007


The description in this Pricing Supplement of the particular terms of the
Secured Medium-Term Notes 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>
Principal Amount:               $400,000,000                     Type of Interest Rate:  [ ] Fixed  [X] Floating

Price to Public:                100%                             If Fixed Rate Notes:  Not applicable.

Net Proceeds to Trust:          $399,830,000                           Interest Rate:  Not applicable.

CUSIP Number:                   41659EEE3                        If Floating Rate Notes:  Initial Interest Rate: The
                                                                 Initial Interest Rate for the Notes offered by this
Agent's Discount:               0.0425%                          Pricing Supplement will be three month LIBOR plus
                                                                 0.03%, determined in accordance with the provisions of
Issuance Date:                  August 18, 2005                  this Pricing Supplement and the Prospectus Supplement
                                                                 on the second London Banking Day immediately preceding
Stated Maturity Date:           The Initial Stated Maturity      the Issuance Date.
Date, the Final Stated Maturity Date or any other maturity
date resulting from the failure to elect to extend the           Base Rate:  [ ] CD Rate      [ ] Commercial Paper Rate
maturity of all or a portion of the Notes (as set forth in                   [ ] CMT Rate     [ ] Federal Funds Rate
the attached schedule).                                                      [X] LIBOR        [ ] Treasury Rate
                                                                             [ ] Prime Rate   [ ] Other (See Attached)


Initial Stated Maturity Date:   August 15, 2007, or              If LIBOR:  [ ] LIBOR Reuters Page
if such day is not a Business Day, the immediately                          [X] LIBOR Telerate Page: 3750.
preceding Business Day.                                                     Designated LIBOR Currency:  U.S. Dollars

Final Stated Maturity Date:     November 15, 2010, or,           If CMT Rate, Telerate Page:   [ ] 7051      [ ] 7052
if such day is not a Business Day, the immediately                    If 7052:   [ ] Weekly Average     [ ] Monthly Average
preceding Business Day.                                               Designated CMT Maturity Index:

Initial Interest Payment Date:  November 15, 2005;               Interest Reset Dates: The 15th of each February, May, August
provided that if such day is not a Business Day, such            and November; provided that if such day is not a
Interest Payment
</TABLE>


                                       16
<PAGE>


<TABLE>
<S>                                                              <C>
Date will be the next succeeding day that is a                   Business Day, such Interest Reset Date will be the next
Business Day, unless that succeeding Business Day                succeeding day that is a Business Day, unless that succeeding
would fall in the next calendar month, in which case             Business Day would fall in the next calendar month, in which
such Interest Payment Date will be the                           case such Interest Reset Date will be the immediately
immediately preceding Business Day.                              preceding Business Day.


Interest Payment Dates:    The 15th day of each February,        Initial Interest Reset Date:  November 15, 2005;
May, August and November; provided that (1) if such              provided that if such day is not a Business Day, such
Interest Payment Date (other than the maturity date) is          Interest Reset Date will be the next succeeding day
not a Business Day, such Interest Payment Date will be the       that is a Business Day, unless that succeeding Business
next succeeding day that is a Business Day, unless that          Day would fall in the next calendar month, in which
succeeding Business Day would fall in the next calendar          case such Interest Reset Date will be the immediately
month, in which case such Interest Payment Date will be          preceding Business Day.
the immediately preceding Business Day and (2) the final
Interest Payment Date of any Note will be the maturity           Index Maturity:  Three Month.
date of such Note.
                                                                 Interest Rate Determination Dates:  As specified in the
Specified Currency:        U.S. Dollars.                              Prospectus Supplement for the indicated base rate.

Regular Record Dates:      15 days prior to each Interest
                           Payment Date.                                          [Intentionally Left Blank]

Day Count Convention:   As specified in the Prospectus
                        Supplement for the indicated
                        base rate.

Computation of Interest:  As specified in the                    Spread: See attached schedule
    Prospectus Supplement for the indicated base rate.           Spread Multiplier:  N/A.
                                                                 Maximum Interest Rate:      None.
Authorized Denominations:    $1,000 integral amounts.            Minimum Interest Rate:      None.

Optional Redemption:   Yes [ ]       No [X]                      Floating Rate/Fixed Rate Note:   [ ] Yes   [X] No. If yes:
    Optional Redemption Date:  Not applicable.                        Fixed Rate:
    Initial Redemption Percentage:  Not Applicable                    Fixed Rate Commencement Date:
    Annual Percentage Reduction:  Not Applicable
    Redemption may be:     [ ]  In whole only.                   Inverse Floating Rate Note [ ] Yes [X] No.  If yes,
                           [ ]  In whole or in part.                 Fixed Interest Rate:

Optional Repayment:  [ ] Yes [X] No
     Optional Repayment Dates:                                   Sinking Fund:  None.

Amortizing Note:  [ ] Yes (See attached)  [X] No                 Calculation Agent:  JPMorgan Chase Bank, N.A.

Discount Note:  [ ] Yes  [X] No   If Yes:                        Exchange Rate Agent:  None.
   Total Amount of Discount:
   Yield to Maturity:                                            Securities Exchange Listing:  None.

Agents: (principal amount purchased) J.P. Morgan                 Additional Amounts to be Paid: [ ] Yes [X] No
Securities Inc. ($300,000,000)/Banc of America Securities,
LLC. ($100,000,000)                                              Special Tax Considerations: See attached schedule.
Other Provisions Relating to the Notes: See attached
schedule.
</TABLE>

Note: Notwithstanding anything to the contrary in the Prospectus or the
Prospectus Supplement, the Indenture Trustee with respect to the Notes will be
Law Debenture Trust Company of New York.


                                       17
<PAGE>


                  INFORMATION RELATING TO THE FUNDING AGREEMENT

<TABLE>
<S>                                                              <C>
Funding Agreement Provider:  Hartford Life Insurance             Type of Interest Rate: [ ] Fixed [X] Floating
                             Company
                                                                 If Fixed Rate Funding Agreement:  Interest Rate:

Funding Agreement:           FA-405102                           If Floating Rate Funding Agreement:  Initial Interest
                                                                 Rate: The Initial Interest Rate for the Funding
Contract Payment:          $400,000,015                          Agreement offered by this Pricing Supplement will be
                                                                 three month LIBOR plus 0.03%, determined in accordance
Deposit Amount :           $399,830,015                          with the provisions of this Pricing Supplement and the
(if different from Contract Payment)                             Prospectus Supplement  on the second London Banking Day
                                                                 immediately preceding the Issuance Date.
Effective Date:            August 18, 2005
                                                                 Base Rate:  [ ] CD Rate       [ ] Commercial Paper Rate
Stated Maturity Date:      November 15, 2010                                 [ ] CMT Rate      [ ] Federal Funds Rate
                                                                             [X] LIBOR         [ ] Treasury Rate
Initial Interest Payment Date: November 15, 2005; provided                   [ ] Prime Rate    [ ] Other (See Attached)
that if such day is not a Business Day, such Interest
Payment Date will be the next succeeding day that is a
Business Day, unless that succeeding Business Day would
fall in the next calendar month, in which case such
Interest Payment Date will be the immediately preceding
Business Day.

Interest Payment Dates:    The 15th day of each February,            If LIBOR:  [ ] LIBOR Reuters Page
May, August and November; provided that (1) if such                             [X] LIBOR Telerate Page: 3750.
Interest Payment Date (other than the redemption payment                        Designated LIBOR Currency:  U.S. Dollar.
date specified in the schedule) is not a Business Day,
such Interest Payment Date will be the next succeeding day
that is a Business Day, unless that succeeding Business              If CMT Rate, Telerate Page:   [ ] 7051    [ ] 7052
Day would fall in the next calendar month in which case                         If 7052:  [ ] Weekly Average   [ ] Monthly Average
such Interest Payment Date will be the immediately                                Designated CMT Maturity Index:
preceding Business Day and (2) the final Interest Payment
Date for the applicable portion of the Funding Agreement
will be the Stated Maturity Date or the redemption payment
date specified in the schedule.                                  Interest Reset Dates:     The 15th of each February,
                                                                 May, August and November; provided that if such day is
Specified Currency:                 U.S. Dollars.                not a Business Day, such Interest Reset Date will be
                                                                 the next succeeding day that is a Business Day, unless
Day Count Convention:    As specified in the Prospectus          that succeeding Business Day would fall in the next
                     Supplement for the indicated base rate.     calendar month, in which case such Interest Reset Date
                                                                 will be the immediately preceding Business Day.

Computation of Interest:     As specified in the Prospectus      Initial Interest Reset Date:  November 15, 2005;
                     Supplement for the indicated base rate.     provided that if such day is not a Business Day, such
                                                                 Interest Reset Date will be the next succeeding day
                                                                 that is a Business Day, unless that succeeding Business
Optional Redemption:   Yes [ ] No [X]                            Day would fall in the next calendar month, in which
Optional Redemption Date:   Not applicable.                      case such Interest Reset Date will be the immediately
Initial Redemption Percentage:   Not applicable.                 preceding Business Day.
Annual Percentage Reduction:    None.
Redemption may be:   [ ]  In whole only.                         Index Maturity:  Three  month.
                     [ ]   In whole or in part.
                                                                 Interest Rate Determination Date:  As specified in the
Other Redemption Terms: Not applicable.                          Prospectus Supplement for the indicated base rate.

Optional Repayment:  [  ] Yes [X ] No
   Optional Repayment Dates:

                                                                 Spread: See attached schedule.
</TABLE>


                                       18
<PAGE>

<TABLE>
<S>                                                            <C>
Discount Funding Agreement:  [ ] Yes   [X] No.  If yes:        Spread Multiplier:     N/A.
         Total Amount of Discount:                               Maximum Interest Rate:     None.
Yield to Maturity:                                               Minimum Interest Rate:     None.

Additional Amounts to be Paid:  [ ] Yes [X] No                 Floating Rate/Fixed Rate Funding Agreement:  [ ] Yes  [X] No
                                                                  If yes:     Fixed Rate:
Amortizing Funding Agreement:   [ ] Yes  (See attached)                       Fixed Rate Commencement Date:
                                [X] No
                                                               Inverse Floating Rate Funding Agreement: [ ] Yes [X] No
Special Tax Considerations:         None                          If yes:     Fixed Interest Rate:

Other Provisions Relating to the Funding Agreement:  See
attached schedule.
</TABLE>

Note: The Opinion regarding the enforceability of the Funding Agreement and the
related Consent of Counsel for Hartford Life Insurance Company is given by
Richard J. Wirth, Assistant Vice President and Senior Counsel..

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


It is anticipated that, as of August 11, 2005, both the Notes and 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

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




                                       19
<PAGE>


                        SCHEDULE OF ADDITIONAL PROVISIONS

                          PROVISIONS RELATING TO NOTES

EXTENSION ELECTION:

         The Notes will mature on the Initial Stated Maturity Date, unless the
maturity of all or any portion of the principal amount of the Notes is extended
in accordance with the procedures described below. In no event will the maturity
of the Notes be extended beyond the Final Stated Maturity Date.

         During a notice period relating to an Election Date (as defined below)
you may elect to extend the maturity of all or any portion of the principal
amount of your Notes (in any multiple of $1,000) so that the maturity of your
Notes will be extended to the Corresponding Maturity Date (as defined below) for
the immediately following Election Date; provided, however, if such maturity
date is not a Business Day, the maturity of such Notes will be the immediately
preceding Business Day. The Election Dates are the 15th day of each February,
May, August and November, or, if such day is not a Business Day, the next day
that is a Business Day, commencing on November 15, 2005 and ending on November
15, 2008. The respective Corresponding Maturity Date for each Election Date is
the 15th day of the 24th calendar month following the Election Date for which an
election to extend is made. If no election is made, the maturity date of the
Notes is the Corresponding Maturity Date for the immediately preceding Election
Date. For example, if you do not elect to extend a portion of your Notes on the
Election Date of November 15, 2005, such portion of your Notes will mature on
August 15, 2007. Similarly, if you elect to extend a portion of your Notes on
the Election Date of November 15, 2005, such portion of your Notes will then be
scheduled to mature (barring a subsequent valid election) on November 15, 2007.

         To make an effective election, you must deliver a notice of election
during the notice period for an Election Date. The notice period for an Election
Date begins on the sixth Business Day prior to the Election Date and ends on the
Business Day immediately preceding the Election Date. Your notice of election
must be delivered to JPMorgan Chase Bank, N.A., the Paying Agent for the Notes,
through the normal clearing system channels described in more detail below, no
later than the close of business in New York City on the last Business Day in
the notice period, at which time such notice becomes irrevocable.


SPREAD:

         The spread for the Notes for the indicated periods is as follows:

<TABLE>
<CAPTION>
                  PERIOD                                                                              SPREAD
                  ------                                                                              ------
<S>                                                                                                   <C>
     From and including the Issuance Date to but not including August 15, 2006                        + 0.03%
     From and including August 15, 2006 to but not including August 15, 2007                          + 0.04%
     From and including August 15, 2007 to but not including August 15, 2008                          + 0.05%
     From and including August 15, 2008 to but not including August 15, 2009                          + 0.06%
     From and including August 15, 2009 to the Final Stated Maturity Date                             + 0.07%
</TABLE>

         If, with respect to any Election Date, you do not make an election to
extend the maturity of all or a portion of the principal amount of your Notes,
the principal amount of the Notes for which you have failed to make such an
election will become due and payable on the earlier of the Initial Stated
Maturity Date or such later Corresponding Maturity Date related to the relevant
Election Date on which the Notes were not extended, or, if such day is not a
Business Day, the immediately preceding Business Day. The principal amount of
the Notes for which such election is not exercised will be represented by a new
Note issued on such Election Date. The Note so issued will have the same terms
as the Notes, except that it will not be extendible, will have a separate CUSIP
number and its maturity

                                       20
<PAGE>


date will be the earlier of the Initial Stated Maturity Date or such later
Corresponding Maturity Date related to the relevant Election Date on which the
Notes were not extended, or, if such date is not a Business Day, the immediately
preceding Business Day. The failure to elect to extend the maturity of all or
any portion of the Notes will be irrevocable and will be binding upon any
subsequent holder of such Notes.

         The Notes are issued in registered global form and remain on deposit
with DTC, the depositary for the Notes. Therefore, you must exercise the option
to extend the maturity of your Notes through the depositary. To ensure that the
depositary receives timely notice of your election to extend the maturity of all
or a portion of your Notes, so that it can deliver notice of your election to
the Paying Agent prior to the close of business in New York City on the last
Business Day in the notice period, you must instruct the direct or indirect
participant through which you hold an interest in the Notes in accordance with
the then applicable operating procedures of the depositary.

         The depositary must receive any notice of election from its
participants no later than 12:00 noon (New York City time) on the last Business
Day in the notice period for the depositary to deliver timely notice of your
election to the Paying Agent. Different firms have different deadlines for
accepting instructions from their customers. You should consult the direct or
indirect participant through which you hold an interest in the Notes to
ascertain the deadline for ensuring that timely notice will be delivered to the
depositary.


                SPECIAL TAX CONSIDERATIONS RELATING TO THE NOTES

         The following discussion is based on the opinion of Sidley Austin Brown
& Wood LLP, special tax counsel to Hartford Life Insurance Company ("SPECIAL TAX
COUNSEL") and supplements the general discussion of certain U.S. federal income
tax considerations contained in the accompanying Prospectus Supplement.

         As more fully discussed in the accompanying Prospectus Supplement,
Hartford Life Insurance Company intends to take the position, for U.S. federal
income tax purposes, that the Trust will be disregarded. In addition, the
Funding Agreement will provide that the Trust and Hartford Life Insurance
Company each agree to disregard the Funding Agreement for U.S. federal income
tax purposes. Together, these positions, if accepted by the courts and the
Internal Revenue Service (the "IRS"), will result in the Notes being treated for
U.S. federal income tax purposes as indebtedness of Hartford Life Insurance
Company (the "INTENDED TAX CHARACTERIZATION"). Each holder of a Note (or any
beneficial interest therein), by acceptance of the Note (or beneficial interest
therein), agrees to treat the Trust and the Note consistently with the Intended
Tax Characterization. The remainder of this discussion assumes that the Intended
Tax Characterization is correct.

         An election to extend the maturity of all or any portion of the
principal amount of the Notes in accordance with the procedures described herein
should not be a taxable event for U.S. federal income tax purposes. This
conclusion is based, in part, upon the Treasury Regulations governing original
issue discount on debt instruments (the "OID REGULATIONS").

         Pursuant to Treasury Regulations governing modifications to the terms
of debt instruments (the "MODIFICATION REGULATIONS"), the exercise of an option
by a holder of a debt instrument to defer any scheduled payment of principal is
a taxable event if, based on all the facts and circumstances, such deferral is
considered material under the Modification Regulations. The Modification
Regulations do not specifically address the unique features of the Notes
(including their economic equivalence to an approximately five-year debt
instrument containing holder put options). However, under the OID Regulations,
for purposes of determining the yield and maturity of a debt instrument that
provides the holder with an unconditional option or options, exercisable on one
or more dates during the term of the debt instrument, that, if exercised,
require payments to be made on the debt instrument under an alternative payment
schedule or schedules (e.g., an option to extend the maturity of the debt
instrument), a holder is deemed to exercise or not exercise an option or
combination of options in a manner that maximizes the yield on the debt
instrument. Since the spread will periodically increase during the term of the
Notes from an initial amount

                                       21
<PAGE>


equal to + 0.03% to an amount equal to + 0.07%, under the OID Regulations, as of
the Issuance Date, original holders of the Notes should be deemed to elect to
extend the maturity of all of the principal amount of the Notes to the Final
Stated Maturity Date. Accordingly, under the OID Regulations, the Final Stated
Maturity Date should be treated as the maturity date of the Notes for U.S.
federal income tax purposes. Although it is unclear how the OID Regulations
should apply in conjunction with the Modification Regulations to the Notes,
Special Tax Counsel is of the opinion that, based upon the OID Regulations, an
election to extend the maturity of all or any portion of the principal amount of
the Notes in accordance with the procedures described herein should not be a
taxable event for U.S. federal income tax purposes. In addition, the Notes
should not constitute contingent payment debt instruments that would be subject
to certain Treasury Regulations governing contingent payment obligations (the
"CONTINGENT PAYMENT REGULATIONS").

         Under the treatment described above, the Notes should be treated as
having been issued with de minimis original issue discount. Therefore, the Notes
should not be treated as having been issued with original issue discount for
U.S. federal income tax purposes.

         Prospective investors should note that, in particular because of the
absence of authority directly addressing the unique features of the Notes, no
assurance can be given that the IRS will accept, or that the courts will uphold,
the characterization and the tax treatment of the Notes described above. If the
IRS were successful in asserting that an election to extend the maturity of all
or any portion of the principal amount of the Notes is a taxable event for U.S.
federal income tax purposes, then holders of the Notes would be required to
recognize any gain inherent in the Notes at the time of such an election. Also,
if the IRS were successful in asserting that the Notes were subject to the
Contingent Payment Regulations, the timing and character of income thereon would
be affected. Among other things, holders of the Notes may be required to accrue
original issue discount income, subject to adjustments, at a "comparable yield"
on the issue price. Furthermore, any gain recognized with respect to the Notes
would generally be treated as ordinary income. The foregoing is a summary of the
views of Special Tax Counsel and is not to be construed as tax advice for the
benefit of investors. Prospective investors should consult their own tax
advisors regarding the U.S. federal income tax consequences of an investment in,
and extending the maturity of, the Notes.

         Prospective investors should also consult the general discussion of
certain U.S. federal income tax considerations relating to the purchase,
ownership and disposition of the Notes contained in the section called "Material
United States Federal Income Tax Considerations" in the accompanying Prospectus
Supplement.


                    PROVISIONS RELATING TO FUNDING AGREEMENT

         The spread for the Funding Agreement for the indicated periods is as
follows:

<TABLE>
<CAPTION>
                  PERIOD                                                                              SPREAD
                  ------                                                                              ------
<S>                                                                                                   <C>
     From and including the Issuance Date to but not including August 15, 2006                        + 0.03%
     From and including August 15, 2006 to but not including August 15, 2007                          + 0.04%
     From and including August 15, 2007 to but not including August 15, 2008                          + 0.05%
     From and including August 15, 2008 to but not including August 15, 2009                          + 0.06%
     From and including August 15, 2009 to the Final Stated Maturity Date                             + 0.07%
</TABLE>

In the event that the maturity date of a portion or all of the Notes is not
extended, then the Trust will be required, no later than three Business Days
from the applicable Election Date (as defined above), to provide notice of
redemption regarding the applicable portion or all of the Funding Agreement, as
applicable. Such notice will indicate (1) the redemption payment date (which
will be the same date as the relevant Corresponding Maturity Date, as defined
above), (2) the redemption price (which shall be the face amount of the Funding
Agreement to be redeemed plus any

                                       22
<PAGE>


accrued interest) and (3) if a portion of the Funding Agreement is to be
redeemed, the face amount of the portion of the Funding Agreement to be redeemed
on the redemption payment date. Such notice will be irrevocable.

CAPITALIZED TERMS USED IN THE SCHEDULE TO THIS PRICING SUPPLEMENT WHICH ARE
OTHERWISE NOT DEFINED HEREIN SHALL HAVE THE MEANINGS ASSIGNED TO THEM IN THE
PRICING SUPPLEMENT OR THE PROSPECTUS SUPPLEMENT, AS APPLICABLE.

                  [Remainder of Page Intentionally Left Blank]


                                       23
<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 2005-102
                               Omnibus Instrument
                                       24
<PAGE>


                 EXHIBIT C - ANNUAL FUNDS APPLICATION STATEMENT

I, _______________________, being a duly appointed officer of JPMorgan Chase
Bank, N.A. ("Paying Agent"), do hereby certify on behalf of the Paying Agent,
that:


1.       I have reviewed and examined the application by the Paying Agent on
         behalf of Law Debenture Trust Company of New York (the "Indenture
         Trustee"), during the fiscal year ending o; of trust money collected
         by the Paying Agent on behalf of the Indenture Trustee pursuant to
         Section 5.02 of the Indenture, pursuant to which the trust's notes
         (the "Notes") were issued; and


2.       Based on my review and examination, to the best of my knowledge, during
         such fiscal year, the trust money collected by the Paying Agent on
         behalf of the Indenture Trustee was properly applied, pursuant to
         Section 5.02 of the Indenture.

Nothing herein shall constitute a representation as to the proper application by
the registered holder of the Notes or the trust of the trust monies received by
it.

JPMorgan Chase Bank, N.A. as Paying Agent

By:__________________________________
    Name:
    Title:


Date:________________________________



                   Hartford Life Global Funding Trust 2005-102
                               Omnibus Instrument
                                       25