Document:

Exhibit 4.11

                               OMNIBUS INSTRUMENT

                                 WITH REGARD TO

                  HARTFORD LIFE GLOBAL FUNDING TRUST 20[-]-[-]

     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
20[-]-[-] (the "TRUST") of Hartford Life Global Funding Trust 20[-]-[-] 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 [-], 20[-] (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 [-], 20[-] (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.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

<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").

                                   WITNESSETH:

     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 December 2, 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 20[-]-[-]
                               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.

                  Hartford Life Global Funding Trust 20[-]-[-]
                               Omnibus Instrument

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                        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).

                                   WITNESSETH:

     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 December 2, 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 20[-]-[-]
                               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).

                                   WITNESSETH:

     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 December 2, 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 20[-]-[-]
                               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. CERTIFICATION. The Agent(s) certify that, as of the date hereof
[i.e, the Pricing Date] they have anti-money laundering policies and procedures
in place in accordance with the requirements imposed by the Uniting and
Strengthening America by Providing Appropriate Tools Required to Intercept and
Obstruct Terrorism Act of 2001 (USA PATRIOT Act), Pub. L, 107-56, 115 Stat. 380
(October 26, 2001), or any rules or regulations promulgated thereunder, and the
Foreign Assets Control Regulations issued by the Office of Foreign Assets
Control of the United States Department of the Treasury (31 CFR Part 500), to
the extent applicable to each such Agent. The Agent(s) also certify that, as of
the date hereof [i.e., the Pricing Date] and as of the Settlement Date, such
Agent has implemented an anti-money laundering compliance program pursuant to
NASD Rule 3011, to the extent applicable to such Initial Purchaser.

     PART 6. ADDITIONAL TERMS. None

     PART 7. 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.

                  Hartford Life Global Funding Trust 20[-]-[-]
                               Omnibus Instrument

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                                        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, the Indenture Trustee and the
Administrator.

                                   WITNESSETH:

     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 the Administrator 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 20[-] - [-]
                               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.

                  Hartford Life Global Funding Trust 20[-]-[-]
                               Omnibus Instrument

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                                        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.

                  Hartford Life Global Funding Trust 20[-]-[-]
                               Omnibus Instrument

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                        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:
                                           -------------------------
                                           Name:
                                           Title:

                  Hartford Life Global Funding Trust 20[-]-[-]
                               Omnibus Instrument

                                        9
<Page>

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

                                        HARTFORD LIFE GLOBAL FUNDING TRUST
                                        20[-]-[-] 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:
                                           -------------------------
                                           Name:
                                           Title:

                                        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:
                                           -------------------------
                                           Name:
                                           Title:

                  Hartford Life Global Funding Trust 20[-]-[-]
                               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:
                                           -------------------------
                                           Name:
                                           Title:

                  Hartford Life Global Funding Trust 20[-]-[-]
                               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:
                                           -------------------------
                                           Name:
                                           Title:

                  Hartford Life Global Funding Trust 20[-]-[-]
                               Omnibus Instrument

                                       12
<Page>

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

                                        [If the Notes are issued to retail
                                        investors under the Hartford Life
                                        IncomeNotes(SM) program:

                                        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.]

                                        [If the Notes are issued to
                                        institutional investors under the
                                        Hartford Life Secured Medium-Term Notes
                                        program:

                                        ____________ in executing below agrees
                                        and becomes a party to the Distribution
                                        Agreement set forth in Section C
                                        herein.]

                                        By:
                                           -------------------------
                                           Name:
                                           Title:

                 Hartford Life Global Funding Trust 20[-] - [-]
                               Omnibus Instrument

                                       13
<Page>

                                    EXHIBIT A

                               PRICING SUPPLEMENT

                  Hartford Life Global Funding Trust 20[-]-[-]
                               Omnibus Instrument

                                       14
<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 - by Moody's and the Notes are rated - by S&P. In connection with Section
1.3.10 of the Distribution Agreement, the Company's financial strength rating is
- by Moody's and - by S&P.

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):
[-]

                                       15Exhibit 10.2

               FORM OF EXPENSE AND INDEMNITY AGREEMENT - JPMORGAN

-, 2005

Mr. Albert Mari, Jr., Vice President
JPMorgan Chase Bank, N.A.
4 New York Plaza, 15th Floor
New York, New York 10004
Attention:  Institutional Trust Services

Dear Mr. Mari:

The Hartford Life Global Funding program (the "Program") is a program for the
issuance to the public from time to time, of one or more series of notes (each a
Series of "Notes") by newly created statutory trusts organized under the laws of
the State of Delaware (each a "Trust"). A separate Trust will be formed for the
issuance of each series of Notes, pursuant to a trust agreement, between
Wilmington Trust Company, as Delaware trustee (the "Delaware Trustee") and
Amacar Pacific Corp., as administrator and Beneficial Holder (the "Trust
Agreement"). Each Trust shall enter into a separate indenture (each an
"Indenture") with JPMorgan Chase Bank, N.A. ("JPMorgan") as indenture trustee.
Each series of Notes are secured solely by assets held by the relevant Trust.
The proceeds from the sale of each series of Notes are to be used to purchase a
Funding Agreement issued to the relevant Trust by Hartford Life Insurance
Company, a Connecticut stock life insurance company ("Hartford Life"). Each
Trust shall be administered pursuant to an administrative services agreement
between the Delaware Trustee and Amacar Pacific Corp., as administrator (the
"Administrator"), dated -, 2005, whereby the Administrator has agreed to provide
certain services of the Trust.

         In consideration of JPMorgan providing services in connection with the
Program and pursuant to the Issuance Documents under which JPMorgan has certain
duties and obligations, Hartford Life hereby agrees to the following
compensation arrangements and terms of indemnity.

         1. DEFINITIONS. The following terms, as used herein, have the following
meanings:

         "EXCLUDED AMOUNTS" means (i) any obligation of a Trust to make any
payment to any Holder in accordance with the terms of an Indenture or the Notes,
(ii) any obligation or expense of a Trust to the extent that such obligation or
expense has actually been paid utilizing funds available to such Trust from
payments under a Funding Agreement, (iii) any cost, loss, damage, claim, action,
suit, expense, disbursement, tax, penalty or liability of any kind or nature
whatsoever imposed on JPMorgan that results from the bad faith or negligence of
JPMorgan, (iv) any costs and expenses attributable solely to JPMorgan's
administrative overhead, (v) any tax imposed on fees paid to JPMorgan, (vi) any
withholding taxes imposed on or with respect of payments with respect to the
Notes made under any Funding Agreement, an Indenture or any Note and (vii) any
Additional Amounts paid to any Holder.

         "FEES" means the fees as set forth in the fee schedule attached hereto
as EXHIBIT A, as revised from time to time in accordance herewith, or in any
separate fee agreement between Hartford Life and JPMorgan.

<PAGE>

         "INDEMNIFIED PERSON" means any person entitled to indemnity payments
pursuant to Section 5.

         "OBLIGATION" means any and all Reasonable Costs and Expenses incurred,
relating to the offering, sale and issuance of the Notes by a Trust and the
administration of the Issuance Documents, including (i) the reasonable fees and
expenses of counsel, and (ii) costs and expenses of a Trust; provided that
Obligations do not include Excluded Amounts or Fees and further provided that
the parties acknowledge that JPMorgan is not obligated to pay the cost or
expenses of any Trust.

         "REASONABLE COSTS AND EXPENSES" are limited to (i) all reasonable
expenses actually and reasonably incurred by JPMorgan that either do not exceed
the indicated amounts listed in EXHIBIT B or have been approved in writing in
advance by an officer of Hartford Life including the reasonable legal expenses
incurred in connection with proposed amendments to an Indenture, related
documents or the Program or in connection with series of Notes having features
not contemplated or provided for at the inception of the Program and (ii) any
extraordinary cost or expense actually incurred by JPMorgan that was not
reasonably anticipated by JPMorgan or which was not reasonably avoidable;
provided that JPMorgan will give Hartford Life prompt notice of any such
extraordinary cost or expense.

         In the case of expenses approved in writing in advance pursuant to the
definition of "Reasonable Costs and Expenses," Hartford Life agrees, from time
to time, at the request of JPMorgan, to negotiate reasonably and in good faith
reasonable modifications in such expenses that, owing to the nature of the
transaction giving rise to such expenses, JPMorgan reasonably anticipates will
be incurred by it.

         Capitalized terms used and not otherwise defined herein shall have the
meanings assigned to them in the Indentures.

         2. FEES.  Hartford Life hereby agrees to pay JPMorgan its Fees promptly
after delivery of JPMorgan's invoice therefor.  If there is a substantive change
in the nature of  JPMorgan's  duties  acceptable  to the  parties,  the  parties
mutually  agree to negotiate an equitable  adjustment to JPMorgan's  Fees and to
reflect such adjustment in a revised EXHIBIT A.

         3. PARTIAL  REFUND.  If JPMorgan  resigns or its appointment is revoked
pursuant to any of the  Issuance  Documents  under which  JPMorgan has duties or
obligations,  JPMorgan  will repay to Hartford  Life such part of any annual Fee
paid to it as may be agreed between JPMorgan and Hartford Life.

         4. PAYMENT OF  OBLIGATIONS.  If JPMorgan  delivers  written  notice and
evidence,  reasonably  satisfactory  to  Hartford  Life,  of any  Obligation  of
JPMorgan,  Hartford  Life shall,  upon receipt of such notice  promptly pay such
Obligation.  Notice of any Obligation (including any invoices) should be sent to
Hartford  Life at its address set forth below,  or at such other address as such
party shall hereafter furnish in writing:

<TABLE>
<CAPTION>
         If by overnight delivery:                           If by U.S. Mail:

         <S>                                                 <C>
         Hartford Life Insurance Company                     Hartford Life Insurance Company
         200 Hopmeadow Street                                P.O.  Box 2999
         Simsbury, Connecticut 06089                         Hartford, Connecticut 06104-2999
         Attn.:  Institutional Investment Products           Attn.:  Institutional Investment Products
         Telephone:  (860) 843-9477
         Facsimile:  (860) 843-5775
</TABLE>

<PAGE>

         JPMorgan will (i) from time to time execute all such instruments and
other agreements in a form reasonably satisfactory to JPMorgan and take all such
other actions as Hartford Life may reasonably request, to protect any interest
of Hartford Life with respect to any Obligation or to enable Hartford Life to
exercise or enforce any right, interest or remedy it may have with respect to
any such Obligation, and (ii) release to Hartford Life any amount received from
Hartford Life relating to any Obligation or any portion of any Obligation,
immediately after any such amount relating to such Obligation, or any portion of
any such Obligation, is otherwise received by JPMorgan from a party other than
Hartford Life.

         Hartford Life and JPMorgan hereby agree that all payments due under
this Agreement in respect of any Obligation shall be effected, and any
responsibility of Hartford Life to pay such Obligation pursuant to this
Agreement shall be discharged, by the payment by Hartford Life to the account of
the person to whom such Obligation is owed.

         5.  INDEMNIFICATION.  Subject to Section 6 and 7,  Hartford Life hereby
agrees to indemnify,  and to hold harmless, to the full extent permitted by law,
JPMorgan, its officers, directors,  successors,  assigns, legal representatives,
agents and servants who was or is a party or is threatened to be made a party to
any threatened,  pending or completed action,  suit or proceeding relating to or
arising out of the  acceptance  or  administration  by JPMorgan of its trusts or
agencies under the Issuance  Documents or the performance or  non-performance by
the Indemnified Person of its duties or fulfillment of its obligations under the
Issuance  Documents  or any other  agreement  relating  to the  Program to which
JPMorgan   becomes  a  party,   whether  civil,   criminal   administrative   or
investigative,  against  losses,  out-of-pocket  costs and expenses  (including,
without  limitation,  interest and  reasonable  attorneys'  fees and  expenses),
liabilities (including liabilities for penalties),  judgments, damages and fines
incurred  by such party in  connection  with the defense or  settlement  of such
action,  suit or proceeding,  except where any such claim for indemnification is
or  relates  to any  Excluded  Amount or is caused by the  Indemnified  Person's
negligence or willful misconduct.

         The indemnification provided for herein supersedes in all respects any
indemnification provision contained in any other Issuance Document or any other
agreement relating to the Program to which JPMorgan is or becomes a party.

         6. INDEMNIFICATION  PROCEDURES. An Indemnified Person shall give prompt
written notice to Hartford Life of any action,  suit or proceeding  commenced or
threatened  against the  Indemnified  Person.  Failure to provide  prompt notice
shall  exclude  Hartford Life from its  obligation  to provide  indemnity to the
extent  that its  ability  to defend  any such  action,  suit or  proceeding  is
impaired by such failure.  In case any such action,  suit or proceeding shall be
brought  involving  an  Indemnified  Person,  Hartford  Life  may,  in its  sole
discretion,  elect to assume the defense of the Indemnified Person, and if it so
elects to assume such defense,  Hartford Life shall, in  consultation  with such
Indemnified  Person,  select counsel,  reasonably  acceptable to the Indemnified
Person,  to represent the  Indemnified  Person and pay the  reasonable  fees and
expenses of such counsel;  provided, that if JPMorgan is the Indemnified Person,
such  counsel  shall  be on its  approved  counsel  list.  In any  such  action,
investigation  or  proceeding,  the  Indemnified  Person shall have the right to
retain its own counsel but Hartford  Life shall not be obligated to pay the fees
and  disbursements  of such counsel unless (i) Hartford Life and the Indemnified
Person shall have  mutually  agreed to the retention of such counsel or (ii) the
named parties to any such action,  investigation  or proceeding  (including  any
impleaded  parties)  include both Hartford Life and the  Indemnified  Person and
representation of both parties by the same counsel would be inappropriate due to
actual or potential  differing  interests  between them.  It is understood  that
Hartford Life shall not, in connection with any proceeding or related proceeding
in the same  jurisdiction,  be liable for the fees and expenses of more than one
separate firm (in addition to any local counsel) for all Indemnified Persons who
are affiliated with JPMorgan.

<PAGE>

         7. OTHER  INDEMNIFICATION  TERMS.  Hartford Life shall be subrogated to
any right of the  Indemnified  Person in  respect  of the matter as to which any
indemnity was paid hereunder.  The Indemnified Person may not settle any action,
investigation  or  proceeding  without the consent of Hartford  Life,  not to be
unreasonably withheld.

         8. TRUST ANNUAL REPORTS.  Hartford Life shall (i) file as an exhibit to
each  Trust's  Annual  Reports  on Form 10-K (each a  "10-K"),  filed  under the
Securities  Exchange Act of 1934, as amended (the "Exchange  Act"), a compliance
certificate  (the "Compliance  Certificate")  prepared by JPMorgan and complying
with Item 1123 of Regulation AB (17 CFR  229.1100-1123)  ("Regulation AB"), with
such  changes  as it and  JPMorgan  may  from  time  to time  deem  appropriate,
including pursuant to clause (iii) of this Section,  (ii) at its expense,  cause
an  independent  registered  public  accounting  firm  that is a  member  of the
American  Institute of Certified Public Accountants to furnish to the management
of Hartford Life and to the Delaware  Trustee a report (the "Auditor's  Report")
complying  with Item 1122(b) of  Regulation  AB, with such changes as it or such
accountants may from time to time deem appropriate, including pursuant to clause
(iii) of this  Section  and such  changes as may be  required  in the case of an
Event of Default under the Indenture,  which Auditor's  Report shall be filed as
an exhibit to each Trust's  10-K(s),  (iii) make such changes to the  Compliance
Certificate  (subject to the approval of JPMorgan) or Auditor's  Report and file
or  cause  to be  filed  as  exhibit(s)  to  each  Trust's  10-K(s)  such  other
certifications and other documents as required under Regulation AB or such other
rules or regulations  adopted by the Securities and Exchange Commission that may
be applicable to such Trusts'  10-K(s) at the time of the filing of such Trusts'
10-K(s) and (iv) cause the  appropriate  officer at Hartford Life to provide the
certification  required  to be  filed  as an  exhibit  to each  Trust's  10-K(s)
pursuant to Rule  13a-14(d) or Rule 15d-14(d) of the Exchange Act, or such other
certification as may be required pursuant to the Exchange Act at the time of the
filing of such Trusts'  10-K(s).  JPMorgan  will provide  Hartford Life with the
certifications required by Item 1122(a) and Item 1123 of Regulation AB. Hartford
Life also hereby undertakes that, in the event that JPMorgan, in connection with
any  Indenture  or any Trust,  may be  required  to file or furnish  any reports
(other  than  Compliance   Certificates)  pursuant  to  the  Exchange  Act  (the
"Depositor  Reports") and the Exchange Act  authorizes  the party serving as the
depositor,  sponsor  or issuer of the  Program to file or furnish or cause to be
filed or furnished  such  Depositor  Reports,  then  Hartford  Life will, to the
extent permissible under applicable law, file or furnish or cause to be filed or
furnished  such  Depositor  Reports  pursuant  to the  Exchange  Act at its  own
expense.

         9. SURVIVAL.  The  obligations  of Hartford Life,  under this agreement
shall survive the termination of each of the Issuance Documents.

         10.  WAIVER.  No waiver,  modification  or amendment of this  agreement
shall be valid unless executed in writing by the parties hereto.

         11.  COUNTERPARTS.  This  agreement  may be  executed  in  counterparts
(including  by  facsimile  transmission),  each of which  when so  executed  and
delivered shall be deemed an original,  but all of such contracts shall together
constitute one and the same document.

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

         If the foregoing correctly sets forth the understanding and agreement
between Hartford Life and JPMorgan please so indicate by signing in the space
provided for below.

<PAGE>

                                        Very truly yours,

                                        HARTFORD LIFE INSURANCE COMPANY

                                        By:
                                           -------------------------------------

                                        Name:
                                             -----------------------------------

                                        Title:
                                              ----------------------------------

AGREED:

JPMORGAN CHASE BANK, N.A., IN ITS CAPACITY AS
INDENTURE TRUSTEE, PAYING
AGENT, CALCULATION AGENT, TRANSFER
AGENT AND REGISTRAR FOR THE PROGRAM

By:
   -------------------------------------

Name:
     -----------------------------------

Title:
      ----------------------------------

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