Document:

EXHIBIT 4.6

                                   SCHEDULE II

                        SCHEDULE OF ADDITIONAL PROVISIONS
                        ---------------------------------

EXTENSION ELECTION:

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

        During a notice period  relating to an Election Date (as defined  below)
the  Holder  may elect to  extend  the  maturity  of all or any  portion  of the
principal  amount of this Note (in any  multiple of $1,000) so that the maturity
of this Note 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 this Note will be the
immediately  preceding Business Day. The Election Dates are the 15th day of each
month or, if such day is not a  Business  Day,  the next day that is a  Business
Day,  commencing on August 15, 2005 and ending on July 15, 2009.  The respective
Corresponding  Maturity  Date for each Election Date is the 15th day of the 13th
calendar  month  following  the Election Date for which an election to extend is
made.  If  no  election  is  made,  the  maturity  date  of  this  Note  is  the
Corresponding Maturity Date for the immediately preceding Election Date.

        To make an  effective  election,  the  Holder  must  deliver a notice of
election during the notice period for an Election Date substantially in the form
attached  hereto as EXHIBIT A (an "Election  Notice") duly completed and, in the
event of an election to extend the  maturity of only a portion of the  principal
of this Note,  this Note.  The notice  period for an Election Date begins on the
6th  Business  Day  prior to the  Election  Date and  ends on the  Business  Day
immediately  preceding the Election Date. The Holder's  Election  Notice must be
delivered to the Paying Agent through the normal  clearing system  channels,  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.

        If,  with  respect to any  Election  Date,  the Holder  does not make an
election to extend the maturity of all or a portion of the  principal  amount of
this Note, the principal  amount of this Note for which the Holder has 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  maturity  of this  Note  was  previously
extended  or if  such  day is not a  Business  Day,  the  immediately  preceding
Business Day. The  principal  amount of this Note for which such election is not
exercised will be represented by a new note  substantially  in the form attached
hereto as EXHIBIT B (each a "Short Term Note")  issued as of such  Election Date
and SCHEDULE A hereto shall be annotated as of such Election Date to reflect the
corresponding  decrease in the principal amount hereof.  Each Short Term Note so
issued  will  have  the  same  terms as this  Note,  except  that it will not be
extendible, will have the relevant CUSIP number specified below and its maturity
date will be the  earlier  of the  Initial  Stated  Maturity  Date or such later
Corresponding Maturity Date related to the relevant Election Date on

                   Hartford Life Global Funding Trust 2005-095
                                       30
<PAGE>

which  the  maturity  of this  Note was not  extended,  or, if such day 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  principal of this Note will be
irrevocable and will be binding upon any subsequent holder of this Note.

        The Trust and the Indenture  Trustee shall deem this Note canceled as to
any  portion  hereof  for  which  a  duly  completed  Election  Notice  and,  if
applicable,  this Note are not  delivered  to the Paying Agent during the notice
period for any Election Date.

        If, with respect to any Election  Date under this Note,  the Holder does
not extend the maturity of all of the principal  amount of this Note, the Paying
Agent, on behalf of the Trust, shall immediately (but in no event later than the
third (3rd) Business Day following the relevant  Election Date) notify  Hartford
Life of the amount  not  extended  which  shall be the  principal  amount of the
Funding Agreement redeemed on the applicable maturity date.

SPREAD:

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

--------------------------------------------------------------------------------
                              PERIOD                                      SPREAD
--------------------------------------------------------------------------------
From and including the Issuance Date to but not including
  August 15, 2006                                                        - 0.02%
--------------------------------------------------------------------------------
From and including August 15, 2006 to but not including August 15, 2007  + 0.00%
--------------------------------------------------------------------------------
From and including August 15, 2007 to but not including August 15, 2008  + 0.02%
--------------------------------------------------------------------------------
From and including August 15, 2008 to the Final Stated Maturity Date     + 0.03%
--------------------------------------------------------------------------------

CUSIP NUMBERS:

        The CUSIP numbers for each possible  Short Term Note shall be as follows
with regard to each possible maturity date for such Short Term Note:

              -----------------------------------------------------
                CUSIP NUMBER                     MATURITY DATE
                ------------                     -------------
              -----------------------------------------------------
                 41659ECE5                      August 15, 2006
              -----------------------------------------------------
                 41659ECF2                     September 15, 2006
              -----------------------------------------------------
                 41659ECG0                      October 15, 2006
              -----------------------------------------------------
                 41659ECH8                     November 15, 2006
              -----------------------------------------------------
                 41659ECJ4                     December 15, 2006
              -----------------------------------------------------
                 41659ECK1                      January 15, 2007
              -----------------------------------------------------
                 41659ECL9                     February 15, 2007
              -----------------------------------------------------
                 41659ECM7                       March 15, 2007
              -----------------------------------------------------
                 41659ECN5                       April 15, 2007
              -----------------------------------------------------
                 41659ECP0                        May 15, 2007
              -----------------------------------------------------
                 41659ECQ8                       June 15, 2007
              -----------------------------------------------------
                 41659ECR6                       July 15, 2007
              -----------------------------------------------------
                 41659ECS4                      August 15, 2007
              -----------------------------------------------------
                 41659ECT2                     September 15, 2007
              -----------------------------------------------------

                   Hartford Life Global Funding Trust 2005-095
                                       31                                      2
<PAGE>

              -----------------------------------------------------
                CUSIP NUMBER                     MATURITY DATE
                ------------                     -------------
              -----------------------------------------------------
                 41659ECU9                      October 15, 2007
              -----------------------------------------------------
                 41659ECV7                     November 15, 2007
              -----------------------------------------------------
                 41659ECW5                     December 15, 2007
              -----------------------------------------------------
                 41659ECX3                      January 15, 2008
              -----------------------------------------------------
                 41659ECY1                     February 15, 2008
              -----------------------------------------------------
                 41659ECZ8                       March 15, 2008
              -----------------------------------------------------
                 41659EDA2                       April 15, 2008
              -----------------------------------------------------
                 41659EDB0                        May 15, 2008
              -----------------------------------------------------
                 41659EDC8                       June 15, 2008
              -----------------------------------------------------
                 41659EDD6                       July 15, 2008
              -----------------------------------------------------
                 41659EDE4                      August 15, 2008
              -----------------------------------------------------
                 41659EDF1                     September 15, 2008
              -----------------------------------------------------
                 41659EDG9                      October 15, 2008
              -----------------------------------------------------
                 41659EDH7                     November 15, 2008
              -----------------------------------------------------
                 41659EDJ3                     December 15, 2008
              -----------------------------------------------------
                 41659EDK0                      January 15, 2009
              -----------------------------------------------------
                 41659EDL8                     February 15, 2009
              -----------------------------------------------------
                 41659EDM6                       March 15, 2009
              -----------------------------------------------------
                 41659EDN4                       April 15, 2009
              -----------------------------------------------------
                 41659EDP9                        May 15, 2009
              -----------------------------------------------------
                 41659EDQ7                       June 15, 2009
              -----------------------------------------------------
                 41659EDR5                       July 15, 2009
              -----------------------------------------------------
                 41659EDS3                      August 15, 2009
              -----------------------------------------------------
                 41659EDT1                     September 15, 2009
              -----------------------------------------------------
                 41659EDU8                      October 15, 2009
              -----------------------------------------------------
                 41659EDV6                     November 15, 2009
              -----------------------------------------------------
                 41659EDW4                     December 15, 2009
              -----------------------------------------------------
                 41659EDX2                      January 15, 2010
              -----------------------------------------------------
                 41659EDY0                     February 15, 2010
              -----------------------------------------------------
                 41659EDZ7                       March 15, 2010
              -----------------------------------------------------
                 41659EEA1                       April 15, 2010
              -----------------------------------------------------
                 41659EEB9                        May 15, 2010
              -----------------------------------------------------
                 41659EEC7                       June 15, 2010
              -----------------------------------------------------
                 41659EED5                       July 15, 2010
              -----------------------------------------------------

                   Hartford Life Global Funding Trust 2005-095
                                       32                                      3
<PAGE>

                                   SCHEDULE A

        The initial  aggregate  principal  amount of the Note  evidenced  by the
Certificate to which this Schedule is attached is $300,000,000. The notations on
the following table evidence decreases in the aggregate  principal amount of the
Note evidenced by such Certificate:

--------------------------------------------------------------------------------
  Election Date   Decreases in Principal   Principal Amount      Notation by
                    Amount of this Note      of this Note     Security Registrar
                                            Remaining After
                                            Such Decrease
--------------------------------------------------------------------------------

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

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

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

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

                   Hartford Life Global Funding Trust 2005-095
                                       33                                      4
<PAGE>

                                    EXHIBIT A
                                    ---------
                            FORM OF ELECTION NOTICE

The undersigned hereby elects to extend the maturity of the Hartford Life Global
Funding  Trust  2005-095  Secured  Medium-Term  Note (CUSIP  [__________])  (the
"Note") (or the portion  thereof  specified  below) with the effect  provided in
said Note by  delivering  this Election  Notice duly  completed by the Holder of
said Note,  and in the event of an  election  to extend the  maturity  of only a
portion of the principal  amount of said Note, by surrendering  said Note to the
Paying Agent at the following address:

               JPMorgan Chase Bank, N.A.
               4 New York Plaza, 15th Floor
               New York, NY 10004

or such other  address of which the Paying  Agent shall from time to time notify
the Holders of the Notes.

If the option to extend the maturity of less than the entire principal amount of
said Note is elected, specify the portion of said Note (which shall be $1,000 or
an integral  multiple of $1,000 in excess thereof) as to which the Holder elects
to  extend  the  maturity:   $_________;   and  specify  the   denomination   or
denominations (which shall be $1,000 or an integral multiple of $1,000 in excess
thereof)  of the  Notes in the form  attached  to said  Note as  Exhibit B to be
issued to the Holder for the  portion of said Note to which the option to extend
the maturity is not being elected (in absence of any such specification one such
Note in the form of said  Exhibit B will be issued  for the  portion as to which
the option to extend maturity is not being made): $__________.

Date:____________________                    ________________________________
                                             NOTICE:   The   signature  on  this
                                             Election   Notice  must  correspond
                                             with the name as  written  upon the
                                             face   of   the   Note   in   every
                                             particular,  without  alteration or
                                             enlargement or any change whatever.

                   Hartford Life Global Funding Trust 2005-095
                                       A-1                                     5
<PAGE>

                                    EXHIBIT B
                                    ---------
                            FORM OF SHORT-TERM NOTE

THIS NOTE IS A GLOBAL  NOTE  WITHIN THE  MEANING OF THE  INDENTURE  (HEREINAFTER
DEFINED)  AND IS  REGISTERED  IN THE NAME OF A  DEPOSITARY  (AS  DEFINED  IN THE
INDENTURE) OR A NOMINEE OF A DEPOSITARY. THIS NOTE IS NOT EXCHANGEABLE FOR NOTES
REGISTERED  IN THE NAME OF A PERSON  OTHER THAN THE  DEPOSITARY  OR ITS  NOMINEE
EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE,  AND NO TRANSFER
OF THIS NOTE (OTHER THAN A TRANSFER OF THIS NOTE AS A WHOLE BY THE DEPOSITARY TO
A NOMINEE OF THE  DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY
OR ANOTHER NOMINEE OF THE  DEPOSITARY)  MAY BE REGISTERED  EXCEPT IN THE LIMITED
CIRCUMSTANCES DESCRIBED IN THE INDENTURE.

UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF THE DEPOSITORY
TRUST  COMPANY,  A NEW  YORK  CORPORATION  ("DTC"),  TO THE  TRUST  (HEREINAFTER
DEFINED) OR ITS AGENT FOR  REGISTRATION  OF TRANSFER,  EXCHANGE OR PAYMENT,  AND
UNLESS ANY  CERTIFICATE  ISSUED IS  REGISTERED IN THE NAME OF CEDE & CO. OR SUCH
OTHER NAME AS REQUESTED BY AN AUTHORIZED  REPRESENTATIVE OF DTC (AND ANY PAYMENT
IS MADE TO CEDE & CO. OR SUCH  OTHER  ENTITY AS IS  REQUESTED  BY AN  AUTHORIZED
REPRESENTATIVE  OF DTC),  ANY TRANSFER,  PLEDGE OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

REGISTERED NO.:               CUSIP NO.:     PRINCIPAL AMOUNT: U.S. $

                      HARTFORD LIFE GLOBAL FUNDING 2005-095

                            SECURED MEDIUM-TERM NOTES

<TABLE>
<S>                                                         <C>
Issuance Date:                                              Floating Rate Note: [X] Yes [ ] No. If yes,
Issue Price: 100%                                                    Regular Floating Rate Notes [X]
                                                                     Inverse Floating Rate Notes [ ]
Stated Maturity Date: ________, or if such day is not a                       Fixed Interest Rate:
Business Day, the immediately preceding Business Day.                Floating Rate/ Fixed Rate Notes: [ ]
Settlement Date:                                                              Fixed Interest Rate:
Securities Exchange Listing: [ ] Yes [X] No. If yes,                          Fixed Rate Commencement Date:
        indicate name(s) of Securities Exchange(s):                  Interest Rate Basis(es):
                                                                     CD Rate [ ]
        __________________________________.                          CMT Rate [ ]
Depositary: The Depository Trust Company.
Authorized Denominations: $1,000 and integral
  multiples thereof
</TABLE>

                   Hartford Life Global Funding Trust 2005-095
                                     B-1                                       6
<PAGE>

<TABLE>
<S>                                                         <C>
Collateral held in the Trust: Hartford Life Insurance                       Designated CMT Telerate Page:
  Company Funding Agreement No. FA-405095, all                                      If Telerate Page 7052:
  proceeds of the Funding Agreement and all rights and                              [ ] Weekly Average
  books and records pertaining to the foregoing.                                    [ ] Monthly Average
Additional Amounts to be Paid: [ ] Yes [X] No                               Designated CMT Maturity Index:
Interest Rate or Formula:                                           Commercial Paper Rate [ ]
Fixed Rate Note: [ ] Yes [X] No. If yes,                            Federal Funds Rate [ ]
        Interest Rate:                                              LIBOR [X]
        Interest Payment Dates:                                             [ ] LIBOR Reuters Page:
        Additional/Other Terms:                                             [X] LIBOR Moneyline Telerate Page:
Amortizing Note: [ ] Yes [X] No. If yes,                                        3750
        Amortization schedule or formula:                                   LIBOR Currency: U.S. Dollars.
        Additional/Other Terms:                                     Prime Rate [ ]
Discount Note: [ ] Yes [X] No. If yes,                              Treasury Rate [ ]
        Total Amount of Discount:                                   Index Maturity: One month.
        Initial Accrual Period of Discount:                         Spread: See attached Schedule II
        Interest Payment Dates:                                     Spread Multiplier: Not applicable.
        Additional/Other Terms:                                     Initial Interest Rate, if any:
Redemption Provisions: [ ] Yes [X] No. If yes,                      Initial  Interest  Reset  Date:  ________,  provided
        Initial Redemption Date: Not applicable.            that if such day is not a Business Day, such Interest
        Initial Redemption Percentage: Not applicable.      Reset Date will be the next succeeding day that is a
        Annual Redemption Percentage Reduction,             Business Day, unless that succeeding Business Day
                if any: Not Applicable.                     would fall in the next calendar month, in which case
Repayment Provisions: [ ] Yes [X] No. If yes,               such Interest Reset Date will be the immediately
        Repayment Date(s):                                  preceding Business Day.
        Repayment Price:                                            Interest Reset Dates: The 15th of each month;
        Additional/Other Terms:                             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 Day
                                                            would fall in the next calendar month, in which case
                                                            such Interest Reset Date will be the immediately
                                                            preceding Business Day.
                                                                    Interest Determination Date(s):As provided
                                                            herein.
                                                                    Interest Payment Dates: The 15th day of each
                                                            month; provided that (1) if such Interest Payment Date
                                                            (other than the maturity date) 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 and (2) the final
                                                            Interest Payment Date of this Note will be the maturity
                                                            date of this Note.
                                                                    Maximum Interest Rate, if any: Not applicable.
                                                                    Minimum Interest Rate, if any: Not applicable.
                                                                    Additional/Other Terms:
                                                            Regular Record Date(s): 15 days prior to each Interest
                                                              Payment Date
</TABLE>

                   Hartford Life Global Funding Trust 2005-095
                                      B-2                                      7
<PAGE>

<TABLE>
<S>                                                         <C>
                                                            Sinking Fund: None.
                                                            Day Count Convention: Actual/360
                                                            Specified Currency: U.S. Dollars.
                                                            Exchange Rate Agent: Not Applicable.
                                                            Calculation Agent: JPMorgan Chase Bank, N.A.
                                                            Additional/Other Terms:
</TABLE>

                   Hartford Life Global Funding Trust 2005-095
                                      B-3                                      8
<PAGE>

        The Hartford Life Global Funding Trust  designated  above (the "Trust"),
for value  received,  hereby  promises to pay to Cede & Co.,  or its  registered
assigns,  the  Principal  Amount  specified  above on the Stated  Maturity  Date
specified  above and, if so specified  above,  to pay interest  thereon from the
Issuance  Date  specified  above or from the most recent  Interest  Payment Date
specified above to which interest has been paid or duly provided for at the rate
per annum determined in accordance with the provisions on the reverse hereof and
as specified  above,  until the principal  hereof is paid or made  available for
payment.  Unless otherwise specified above,  payments of principal,  premium, if
any,  and  interest  hereon  will be made in the lawful  currency  of the United
States of America ("U.S. Dollars" or "United States Dollars").  If the Specified
Currency  specified above is other than U.S. Dollars,  the Holder (as defined in
the  Indenture)  shall  receive  such  payments  in such  Foreign  Currency  (as
hereinafter defined).  The "Principal Amount" of this Note at any time means (1)
if this Note is a Discount Note (as  hereinafter  defined),  the Amortized  Face
Amount (as hereinafter  defined) at such time (as defined in SECTION 3(c) on the
reverse  hereof)  and (2) in all  other  cases,  the  Principal  Amount  hereof.
Capitalized  terms not otherwise  defined  herein shall have their  meanings set
forth in the  Indenture,  dated as August 9,  2005  (the  "Indenture"),  between
JPMorgan Chase Bank, N.A., as the indenture  trustee (the "Indenture  Trustee"),
and the Trust, or on the face hereof.

        This Note will mature on the Stated Maturity Date,  unless its principal
(or any  installment  of its  principal)  becomes due and  payable  prior to the
Stated Maturity Date, whether, as applicable, by the declaration of acceleration
of maturity, notice of redemption by the Trust or otherwise (the Stated Maturity
Date or any date prior to the Stated  Maturity  Date on which this Note  becomes
due and payable, as the case may be, is referred to as the "Maturity Date").

        A "Discount  Note" is any Note that has an Issue Price that is less than
100% of the  Principal  Amount  thereof by more than a  percentage  equal to the
product of 0.25% and the number of full years to the Stated Maturity Date.

        Unless otherwise  specified above, the interest payable on each Interest
Payment  Date or the Maturity  Date will be the amount of interest  accrued from
and including the Issuance Date or from and including the last Interest  Payment
Date to which  interest has been paid or duly  provided for, as the case may be,
to, but excluding,  such Interest Payment Date or the Maturity Date, as the case
may be.

        Unless  otherwise  specified above, the interest payable on any Interest
Payment  Date will be paid to the  Holder on the  Regular  Record  Date for such
Interest  Payment Date,  which Regular Record Date shall be the fifteenth (15th)
calendar day, whether or not a Business Day,  immediately  preceding the related
Interest  Payment  Date;  PROVIDED  that,  notwithstanding  any provision of the
Indenture  to the  contrary,  interest  payable  on any  Maturity  Date shall be
payable to the Person to whom principal shall be payable; and PROVIDED, FURTHER,
that unless  otherwise  specified  above, in the case of a Note initially issued
between a Regular  Record Date and the Interest  Payment  Date  relating to such
Regular Record Date,  interest for the period beginning on the Issuance Date and
ending on such Interest  Payment Date shall be paid on the Interest Payment Date
following  the next  succeeding  Regular  Record Date to the Holder on such next
succeeding Regular Record Date.

                           Hartford Life Global Funding Trust 2005-095
                                      B-4                                      9
<PAGE>

        Payments of principal  of, and  premium,  if any, and interest and other
amounts due and owing, if any, will be made through the Indenture Trustee to the
account of DTC or its nominee  and will be made in  accordance  with  depositary
arrangements with DTC.

        Unless  otherwise  specified on the face hereof,  the Holder hereof will
not be  obligated  to pay any  administrative  costs  imposed by banks in making
payments in immediately available funds by the Trust. Unless otherwise specified
on the face hereof,  any tax  assessment  or  governmental  charge  imposed upon
payments hereunder,  including, without limitation, any withholding tax, will be
borne by the Holder hereof.

        REFERENCE  IS HEREBY  MADE TO THE  FURTHER  PROVISIONS  OF THIS NOTE SET
FORTH ON THE REVERSE HEREOF. SUCH FURTHER PROVISIONS SHALL FOR ALL PURPOSES HAVE
THE SAME EFFECT AS IF SET FORTH AT THIS PLACE.

        Unless the certificate of authentication hereon shall have been executed
by the  Indenture  Trustee  pursuant  to the  Indenture,  this Note shall not be
entitled to any benefit under the  Indenture or be valid or  obligatory  for any
purpose.

                   Hartford Life Global Funding Trust 2005-095
                                      B-5                                     10
<PAGE>

        IN WITNESS  WHEREOF,  the Trust has caused  this  instrument  to be duly
executed, by manual or facsimile signature.

                             HARTFORD LIFE GLOBAL FUNDING TRUST 2005-095

Dated: [o]                   By: Wilmington Trust Company, not in its individual
                             capacity but solely as Delaware Trustee.

                             By: __________________________________
                                  Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

        This is one of the  Notes of the  Hartford  Life  Global  Funding  Trust
specified  on the face of this  Note  and  referred  to in the  within-mentioned
Indenture.

                             JPMORGAN CHASE BANK, N.A.
                             As Indenture Trustee

Dated: [o]
                             By: ____________________________
                                 authorized officer

                   Hartford Life Global Funding Trust 2005-095
                                      B-6                                     11
<PAGE>

                                [REVERSE OF NOTE]

SECTION 1. GENERAL.  This Note is one of a duly authorized issue of Notes of the
Trust. The Notes are issued pursuant to the Indenture.

SECTION 2. CURRENCY.

        (a)  Unless  specified  otherwise  on the  face  hereof,  this  Note  is
denominated in, and payments of principal,  premium, if any, and/or interest, if
any, will be made in U.S. Dollars. If specified as the Specified Currency,  this
Note may be denominated in, and payments of principal,  premium,  if any, and/or
interest,  if any, may be made in a single  currency other than U.S.  Dollars (a
"Foreign  Currency").  If this Note is  denominated in a Foreign  Currency,  the
Holder of this Note is required to pay for this Note in the Specified Currency.

        (b)  Unless  specified  otherwise  on the face  hereof,  if this Note is
denominated  in a Foreign  Currency,  the Trust is obligated to make payments of
principal of, and premium,  if any, and  interest,  if any, on, this Note in the
Specified  Currency.  Any  amounts  so  payable  by the  Trust in the  Specified
Currency  will be  converted by the  Exchange  Rate Agent into U.S.  Dollars for
payment to the Holder hereof unless otherwise specified on the face of this Note
or the Holder elects, in the manner described below, to receive these amounts in
the Specified Currency.  If this Note is denominated in a Foreign Currency,  any
U.S.  Dollar amount to be received by the Holder hereof will be based on the bid
quotation  in The  City of New  York  received  by the  Exchange  Rate  Agent at
approximately  11:00  A.M.,  New York City  time,  on the  second  Business  Day
preceding the applicable  payment date from a recognized foreign exchange dealer
(which may be the Exchange  Rate Agent)  selected by the Exchange Rate Agent and
approved by the Trust for the  purchase by the quoting  dealer of the  Specified
Currency for U.S.  Dollars for  settlement on that payment date in the aggregate
amount of the Specified  Currency  payable to all Holders of the Notes scheduled
to receive U.S.  Dollar  payments and at which the applicable  dealer commits to
execute a contract.  All currency exchange costs will be borne by the Holders of
the Notes by deductions from any payments.  If a bid quotation is not available,
payments will be made in the Specified Currency.  If this Note is denominated in
a Foreign  Currency,  the  Holder of this  Note may  elect to  receive  all or a
specified portion of any payment of principal, premium, if any, and/or interest,
if any,  in the  Specified  Currency  by  submitting  a written  request  to the
Indenture  Trustee at its  Corporate  Trust Office in The City of New York on or
prior to the  applicable  Regular Record Date or at least 15 calendar days prior
to the Maturity Date, as the case may be. This written  request may be mailed or
hand delivered or sent by cable, telex or other form of facsimile  transmission.
This election will remain in effect until revoked by written notice delivered to
the  Indenture  Trustee  on or prior  to a  Regular  Record  Date or at least 15
calendar  days prior to the Maturity  Date,  as the case may be. The Holder of a
Note  denominated  in a Foreign  Currency  to be held in the name of a broker or
nominee should  contact their broker or nominee to determine  whether and how an
election  to receive  payments in the  Specified  Currency  may be made.  Unless
specified  otherwise on the face hereof, if the Specified Currency is other than
U.S.  Dollars,  a beneficial  owner of a Note represented by a Global Note which
elects to receive payments of principal,  premium,  if any, and/or interest,  if
any, in the Specified Currency must notify the participant through which it owns
its interest on or prior to

                   Hartford Life Global Funding Trust 2005-095
                                      B-7                                     12
<PAGE>

the  applicable  Regular  Record Date or at least 15 calendar  days prior to the
Maturity Date, as the case may be, of its election.  The applicable  participant
must notify DTC of its election on or prior to the third  Business Day after the
applicable  Regular  Record  Date or at  least  12  calendar  days  prior to the
Maturity Date, as the case may be, and DTC will notify the Indenture  Trustee of
that election on or prior to the fifth Business Day after the applicable Regular
Record Date or at least ten  calendar  days prior to the Maturity  Date,  as the
case may be. If complete  instructions  are received by the participant from the
applicable  beneficial owner and forwarded by the participant to DTC, and by DTC
to the  Indenture  Trustee,  on or prior  to such  dates,  then  the  applicable
beneficial owner will receive payments in the Specified Currency.

        (c) The Trust will indemnify the Holder hereof against any loss incurred
as a result of any  judgment  or order  being  given or made for any  amount due
under this Note and that judgment or order requiring  payment in a currency (the
"Judgment  Currency") other than the Specified Currency,  and as a result of any
variation  between:  (i) the rate of  exchange at which the  Specified  Currency
amount is converted into the Judgment  Currency for the purpose of that judgment
or order;  and (ii) the rate of  exchange  at which the  Holder,  on the date of
payment of that judgment or order,  is able to purchase the  Specified  Currency
with the amount of the Judgment Currency actually received.

        (d) Unless otherwise  specified on the face hereof, if payment hereon is
required to be made in a Foreign  Currency and such currency is unavailable  due
to the imposition of exchange controls or other circumstances beyond the Trust's
control, then the Trust will be entitled to make payments with respect hereto in
U.S. Dollars on the basis of the Market Exchange Rate (as hereinafter  defined),
computed by the  Exchange  Rate Agent,  on the second  Business Day prior to the
particular payment or, if the Market Exchange Rate is not then available, on the
basis of the most recently available Market Exchange Rate.

        (e) The "Market  Exchange Rate" for the Foreign  Currency shall mean the
noon  dollar  buying  rate in The City of New York for cable  transfers  for the
Foreign Currency as certified for customs purposes (or, if not so certified,  as
otherwise determined) by the Federal Reserve Bank of New York.

        (f) All  determinations  made by the Exchange Rate Agent shall be at its
sole  discretion and shall,  in the absence of manifest error, be conclusive for
all purposes and binding on the Holder hereof.

        (g) All costs of exchange in respect of this Note, if  denominated  in a
Foreign Currency, will be borne by the Holder hereof.

SECTION 3. DETERMINATION OF INTEREST RATE AND CERTAIN OTHER TERMS.

        (a) FIXED RATE NOTES.  If this Note is specified on the face hereof as a
            "Fixed Rate Note":

            (i)     This Note will bear interest at the rate per annum specified
            on the face  hereof.  Interest  on this Note will be computed on the
            basis of a 360-day year of twelve 30-day months.

                   Hartford Life Global Funding Trust 2005-095
                                      B-8                                     13
<PAGE>

            (ii)  Unless otherwise  specified on the face  hereof,  the Interest
            Payment Dates for this Note will be as follows:

               INTEREST PAYMENT FREQUENCY     INTEREST PAYMENT DATES
              -----------------------------  -----------------------------------
               Monthly                        Fifteenth day of each calendar
                                              month,   beginning  in  the  first
                                              calendar month following the month
                                              this Note was issued.

               Quarterly                      Fifteenth   day  of  every   third
                                              calendar  month,  beginning in the
                                              third calendar month following the
                                              month this Note was issued.

               Semi-annual                    Fifteenth   day  of  every   sixth
                                              calendar  month,  beginning in the
                                              sixth calendar month following the
                                              month this Note was issued.

               Annual                         Fifteenth  day  of  every  twelfth
                                              calendar  month,  beginning in the
                                              twelfth  calendar month  following
                                              the month this Note was issued.

            (iii)   If any Interest  Payment  Date or the Maturity  Date of this
            Note falls on a day that is not a Business  Day, the Trust will make
            the required payment of principal,  premium, if any, and/or interest
            or  other  amounts  on the  next  succeeding  Business  Day,  and no
            additional  interest  will accrue in respect of the payment  made on
            that next succeeding Business Day.

        (b) FLOATING RATE NOTES. If this Note is specified on the face hereof as
            a "Floating Rate Note":

            (i)     INTEREST   RATE  BASIS.   Interest  on  this  Note  will  be
            determined  by reference to the  applicable  Interest  Rate Basis or
            Interest Rate Bases,  which may, as described below,  include the CD
            Rate,  the CMT Rate,  the  Commercial  Paper Rate, the Federal Funds
            Rate,  LIBOR,  the Prime Rate or the Treasury  Rate (each as defined
            below) or such other rate,  in accordance  with a schedule  attached
            hereto.

            (ii)    EFFECTIVE   RATE.  The  rate  derived  from  the  applicable
            Interest  Rate  Basis  will be  determined  in  accordance  with the
            related  provisions  below.  The interest rate in effect on each day
            will be based on: (1) if that day is an  Interest  Reset  Date,  the
            rate determined as of the Interest  Determination  Date  immediately
            preceding  that  Interest  Reset Date;  or (2) if that day is not an
            Interest  Reset  Date,  the  rate  determined  as  of  the  Interest
            Determination  Date  immediately  preceding the most recent Interest
            Reset Date.

            (iii)   SPREAD; SPREAD MULTIPLIER;  INDEX MATURITY.  The "Spread" is
            the number of basis points (one one-hundredth of a percentage point)
            specified on the face hereof to be added to or  subtracted  from the
            related  Interest  Rate Basis or Interest  Rate Bases  applicable to
            this Note. The "Spread  Multiplier"  is the percentage  specified on
            the

                   Hartford Life Global Funding Trust 2005-095
                                      B-9                                     14
<PAGE>

            face hereof of the  related  Interest  Rate Basis or  Interest  Rate
            Bases  applicable  to this Note by which the Interest  Rate Basis or
            Interest Rate Bases will be  multiplied to determine the  applicable
            interest rate. The "Index Maturity" is the period to maturity of the
            instrument or obligation with respect to which the related  Interest
            Rate Basis or Interest Rate Bases will be calculated.

            (iv)    REGULAR FLOATING RATE NOTE. Unless this Note is specified on
            the face  hereof as a  Floating  Rate/Fixed  Rate Note or an Inverse
            Floating Rate Note, this Note (a "Regular  Floating Rate Note") will
            bear interest at the rate  determined by reference to the applicable
            Interest  Rate Basis or Interest Rate Bases:  (1)  multiplied by the
            applicable Spread  Multiplier,  if any; and/or (2) plus or minus the
            applicable  spread,  if any.  Commencing on the first Interest Reset
            Date, the rate at which interest on this Regular  Floating Rate Note
            is payable will be reset as of each Interest  Reset Date;  PROVIDED,
            however,  that the interest  rate in effect for the period,  if any,
            from the Issuance Date to the first  Interest Reset Date will be the
            Initial Interest Rate.

            (v)     FLOATING RATE/FIXED RATE NOTES. If this Note is specified on
            the face hereof as a "Floating Rate/Fixed Rate Note", this Note will
            bear interest at the rate  determined by reference to the applicable
            Interest  Rate Basis or Interest Rate Bases:  (1)  multiplied by the
            applicable Spread  Multiplier,  if any; and/or (2) plus or minus the
            applicable  spread,  if any.  Commencing on the first Interest Reset
            Date,  the rate at  which  this  Floating  Rate/Fixed  Rate  Note is
            payable  will be reset as of each  Interest  Reset  Date;  PROVIDED,
            HOWEVER,  that:  (A) the interest rate in effect for the period,  if
            any, from the Issuance Date to the first Interest Reset Date will be
            the Initial Interest Rate specified on the face hereof;  and (B) the
            interest rate in effect  commencing  on the Fixed Rate  Commencement
            Date will be the  Fixed  Interest  Rate,  if  specified  on the face
            hereof, or, if not so specified,  the interest rate in effect on the
            day immediately preceding the Fixed Rate Commencement Date.

            (vi)    INVERSE  FLOATING  RATE NOTES.  If this Note is specified on
            the face hereof as an "Inverse  Floating Rate Note",  this Note will
            bear interest at the Fixed  Interest Rate minus the rate  determined
            by reference to the applicable  Interest Rate Basis or Interest Rate
            Bases: (1) multiplied by the applicable Spread  Multiplier,  if any;
            and/or (2) plus or minus the applicable  spread,  if any;  PROVIDED,
            HOWEVER,  that interest on this Inverse  Floating Rate Note will not
            be less than zero.  Commencing on the first Interest Reset Date, the
            rate at which interest on this Inverse Floating Rate Note is payable
            will be reset as of each  Interest  Reset Date;  PROVIDED,  HOWEVER,
            that the interest  rate in effect for the period,  if any,  from the
            Issuance Date to the first  Interest  Reset Date will be the Initial
            Interest Rate.

            (vii)   INTEREST  RESET DATES.  The period  between  Interest  Reset
            Dates  will  be  the  "Interest  Reset  Period."  Unless   otherwise
            specified on the face hereof,  the Interest  Reset Dates will be, in
            the case of this Floating  Rate Note if by its terms it resets:  (1)
            daily--each  Business Day; (2)  weekly--the  Wednesday of each week,
            with the  exception  of any weekly  reset  Floating  Rate Note as to
            which the Treasury Rate is an applicable  Interest Rate Basis, which
            will reset the Tuesday of each week; (3) monthly--the  fifteenth day
            of each calendar month; (4) quarterly--the fifteenth day

                   Hartford Life Global Funding Trust 2005-095
                                      B-10                                    15
<PAGE>

            of every third calendar month, beginning in the third calendar month
            following  the  month in  which  the  Issuance  Date  occurred;  (5)
            semi-annually--the  fifteenth  day of the two  months  of each  year
            specified on the face hereof; and (6) annually--the fifteenth day of
            the  month of each  year  specified  on the face  hereof;  PROVIDED,
            HOWEVER,  that, with respect to a Floating Rate/Fixed Rate Note, the
            rate of interest  thereon will not reset after the particular  Fixed
            Rate Commencement Date. If any Interest Reset Date for this Floating
            Rate Note would  otherwise be a day that is not a Business  Day, the
            particular  Interest  Reset  Date  will  be  postponed  to the  next
            succeeding  Business Day, except that in the case of a Floating Rate
            Note as to which LIBOR is an applicable Interest Rate Basis and that
            Business  Day  falls  in the next  succeeding  calendar  month,  the
            particular  Interest  Reset Date will be the  immediately  preceding
            Business Day.

            (viii)  INTEREST  DETERMINATION  DATES. The interest rate applicable
            to a Floating Rate Note for an Interest  Reset Period  commencing on
            the related  Interest  Reset Date will be determined by reference to
            the applicable  Interest Rate Basis as of the  particular  "Interest
            Determination  Date",  which  will  be:  (1)  with  respect  to  the
            Commercial  Paper Rate,  Federal Funds Rate and the Prime  Rate--the
            Business Day immediately  preceding the related Interest Reset Date;
            (2)  with  respect  to the CD  Rate  and the  CMT  Rate--the  second
            Business Day preceding  the related  Interest  Reset Date;  (3) with
            respect to  LIBOR--the  second  London  Banking  Day  preceding  the
            related Interest Reset Date, unless the applicable LIBOR Currency is
            (A) pounds sterling,  in which case the Interest  Determination Date
            will be the related  Interest Reset Date, or (B) euro, in which case
            the Interest Determination Date will be the second TARGET Settlement
            Day  preceding  the  applicable  Interest  Reset Date;  and (4) with
            respect  to the  Treasury  Rate--the  day of the week in  which  the
            related  Interest  Reset Date falls on which day Treasury  Bills (as
            defined  below) are normally  auctioned  (i.e.,  Treasury  Bills are
            normally sold at auction on Monday of each week,  unless that day is
            a legal  holiday,  in which case the auction is normally held on the
            following  Tuesday,  except  that  the  auction  may be  held on the
            preceding Friday); PROVIDED,  HOWEVER, that if an auction is held on
            the Friday of the week  preceding the related  Interest  Reset Date,
            the Interest  Determination  Date will be the preceding Friday.  The
            Interest  Determination Date pertaining to a Floating Rate Note, the
            interest rate of which is determined  with  reference to two or more
            Interest  Rate Bases,  will be the latest  Business  Day which is at
            least two Business Days before the related  Interest  Reset Date for
            the applicable Floating Rate Note on which each Interest Reset Basis
            is  determinable.  "TARGET  Settlement Day" means a day on which the
            TARGET System is open.

            (ix)    CALCULATION  DATES.  The interest  rate  applicable  to each
            Interest Reset Period will be determined by the Calculation Agent on
            or prior to the  Calculation  Date (as defined  below),  except with
            respect  to  LIBOR,  which  will  be  determined  on the  particular
            Interest  Determination  Date.  Upon  request  of  the  Holder  of a
            Floating Rate Note, the Calculation Agent will disclose the interest
            rate then in effect and, if determined,  the interest rate that will
            become  effective as a result of a  determination  made for the next
            succeeding  Interest  Reset Date with respect to such  Floating Rate
            Note.  The  "Calculation  Date",  if  applicable,  pertaining to any
            Interest Determination

                   Hartford Life Global Funding Trust 2005-095
                                      B-11                                    16
<PAGE>

            Date will be the  earlier of: (1) the tenth  calendar  day after the
            particular  Interest  Determination  Date  or,  if such day is not a
            Business Day, the next succeeding  Business Day; or (2) the Business
            Day immediately  preceding the applicable  Interest  Payment Date or
            the Maturity Date, as the case may be.

            (x)     MAXIMUM OR MINIMUM  INTEREST  RATE. If specified on the face
            hereof, this Note may have either or both of a Maximum Interest Rate
            or a  Minimum  Interest  Rate.  If a  Maximum  Interest  Rate  is so
            designated,  the interest  rate for a Floating Rate Note cannot ever
            exceed such Maximum Interest Rate and in the event that the interest
            rate on any Interest  Reset Date would exceed such Maximum  Interest
            Rate  (as if no  Maximum  Interest  Rate  were in  effect)  then the
            interest  rate on such  Interest  Reset  Date  shall be the  Maximum
            Interest  Rate.  If a Minimum  Interest Rate is so  designated,  the
            interest rate for a Floating Rate Note cannot ever be less than such
            Minimum Interest Rate and in the event that the interest rate on any
            Interest  Reset Date would be less than such Minimum  Interest  Rate
            (as if no Minimum  Interest  Rate were in effect)  then the interest
            rate on such Interest Reset Date shall be the Minimum Interest Rate.
            Notwithstanding  anything  to the  contrary  contained  herein,  the
            interest  rate on a Floating  Rate Note shall not exceed the maximum
            interest rate permitted by applicable law.

            (xi)    INTEREST  PAYMENTS.  Unless otherwise  specified on the face
            hereof,  the  Interest  Payment  Dates  will  be,  in the  case of a
            Floating Rate Note which resets:  (1) daily,  weekly or monthly--the
            fifteenth  day of each  calendar  month or on the  fifteenth  day of
            every third  calendar  month,  beginning in the third calendar month
            following  the  month  in  which  the  Issuance  Date  occurred,  as
            specified on the face hereof;  (2)  quarterly--the  fifteenth day of
            every third  calendar  month,  beginning in the third calendar month
            following  the  month in  which  the  Issuance  Date  occurred;  (3)
            semi-annually--the  fifteenth  day of the two  months  of each  year
            specified on the face hereof; and (4) annually--the fifteenth day of
            the month of each year as specified on the face hereof. In addition,
            the  Maturity  Date will also be an Interest  Payment  Date.  If any
            Interest Payment Date other than the Maturity Date for this Floating
            Rate Note would  otherwise be a day that is not a Business Day, such
            Interest  Payment  Date  will be  postponed  to the next  succeeding
            Business Day,  except that in the case of a Floating Rate Note as to
            which LIBOR is an  applicable  Interest Rate Basis and that Business
            Day falls in the next  succeeding  calendar  month,  the  particular
            Interest  Payment Date will be the  immediately  preceding  Business
            Day.  If the  Maturity  Date of a Floating  Rate Note falls on a day
            that is not a Business Day, the Trust will make the required payment
            of principal,  premium, if any, and interest or other amounts on the
            next succeeding Business Day, and no additional interest will accrue
            in respect of the payment made on that next succeeding Business Day.

            (xii)   ROUNDING. Unless otherwise specified on the face hereof, all
            percentages  resulting  from any  calculation  on this Floating Rate
            Note will be  rounded to the  nearest  one  hundred-thousandth  of a
            percentage  point,  with five  one-millionths  of a percentage point
            rounded  upwards.  All dollar  amounts used in or resulting from any
            calculation on this Floating Rate Note will be rounded,  in the case
            of U.S. Dollars, to

                   Hartford Life Global Funding Trust 2005-095
                                      B-12                                    17
<PAGE>

            the  nearest  cent or,  in the case of a  Foreign  Currency,  to the
            nearest unit (with one-half cent or unit being rounded upwards).

            (xiii)  INTEREST  FACTOR.  With  respect  to a  Floating  Rate Note,
            accrued  interest is calculated by multiplying the principal  amount
            of such Note by an accrued  interest  factor.  The accrued  interest
            factor is computed by adding the interest factor calculated for each
            day in the particular Interest Reset Period. The interest factor for
            each day will be computed by dividing the interest  rate  applicable
            to such day by 360, in the case of a Floating  Rate Note as to which
            the CD Rate,  the  Commercial  Paper Rate,  the Federal  Funds Rate,
            LIBOR or the Prime Rate is an applicable  Interest Rate Basis, or by
            the  actual  number of days in the year,  in the case of a  Floating
            Rate  Note as to  which  the CMT  Rate  or the  Treasury  Rate is an
            applicable  Interest Rate Basis.  The interest factor for a Floating
            Rate Note as to which the interest rate is calculated with reference
            to two or more Interest Rate Bases will be calculated in each period
            in the same  manner as if only the  Interest  Rate  Basis  specified
            under "Additional/Other Terms" applied.

            (xiv)   DETERMINATION OF INTEREST RATE BASIS. The Calculation  Agent
            shall  determine  the rate derived from each  Interest Rate Basis in
            accordance with the following provisions.

                (1)     CD RATE  NOTES.  If the  Interest  Rate  Basis is the CD
                Rate,  this  Note  shall  be  deemed a "CD  Rate  Note."  Unless
                otherwise  specified on the face hereof,  "CD Rate" means,  from
                the Issuance Date to the first  Interest Reset Date, the Initial
                Interest Rate, if any, and thereafter:

                        (A)     the    rate   on   the    particular    Interest
                        Determination  Date for negotiable  United States dollar
                        certificates   of  deposit  having  the  Index  Maturity
                        specified  on the face hereof as  published in H.15(519)
                        (as defined  below)  under the caption  "CDs  (secondary
                        market)"; or

                        (B)     if the rate  referred to in clause (A) is not so
                        published  by 3:00  P.M.,  New York  City  time,  on the
                        related  Calculation  Date,  the rate on the  particular
                        Interest Determination Date for negotiable United States
                        dollar  certificates of deposit of the particular  Index
                        Maturity as  published  in H.15 Daily Update (as defined
                        below),  or other recognized  electronic source used for
                        the purpose of displaying the applicable rate, under the
                        caption "CDs (secondary market)"; or

                        (C)     if the rate  referred to in clause (B) is not so
                        published  by 3:00  P.M.,  New York  City  time,  on the
                        related  Calculation  Date,  the rate on the  particular
                        Interest    Determination   Date   calculated   by   the
                        Calculation   Agent  as  the  arithmetic   mean  of  the
                        secondary  market  offered  rates as of 10:00 A.M.,  New
                        York City time, on that Interest  Determination Date, of
                        three  leading  non-bank  dealers in  negotiable  United
                        States dollar certificates of deposit in The City of New
                        York  (which may  include  the  purchasing  agent or its
                        affiliates)   selected  by  the  Calculation  Agent  for
                        negotiable United

                   Hartford Life Global Funding Trust 2005-095
                                      B-13                                    18
<PAGE>

                        States  dollar  certificates  of deposit of major United
                        States money market banks for  negotiable  United States
                        certificates  of  deposit  with  a  remaining   maturity
                        closest to the  particular  Index  Maturity in an amount
                        that is representative  for a single transaction in that
                        market at that time; or

                        (D)     if the dealers so  selected  by the  Calculation
                        Agent are not quoting as mentioned in clause (C), the CD
                        Rate in effect on the particular Interest  Determination
                        Date.

                "H.15(519)" means the weekly  statistical  release designated as
                H.15(519), or any successor publication,  published by the Board
                of Governors of the Federal Reserve System.

                "H.15  Daily  Update"  means  the  daily  update  of  H.15(519),
                available  through  the  world-wide-web  site  of the  Board  of
                Governors     of    the     Federal     Reserve     System    at
                http//www.federalreserve.gov/releases/H15/update,     or     any
                successor site or publication.

                (2)     CMT RATE NOTES.  If the  Interest  Rate Basis is the CMT
                Rate,  this  Note  shall be  deemed a "CMT  Rate  Note."  Unless
                otherwise  specified on the face hereof,  "CMT Rate" means, from
                the Issuance Date to the first  Interest Reset Date, the Initial
                Interest Rate, if any, and thereafter:

                        (A)     if CMT Moneyline Telerate Page 7051 is specified
                        on the face hereof:

                                ix.     the  percentage  equal to the  yield for
                                        United  States  Treasury  securities  at
                                        "constant  maturity"  having  the  Index
                                        Maturity specified on the face hereof as
                                        published in H.15(519) under the caption
                                        "Treasury Constant  Maturities",  as the
                                        yield is displayed on Moneyline Telerate
                                        (or any successor  service) on page 7051
                                        (or any other  page as may  replace  the
                                        specified    page   on   that   service)
                                        ("Moneyline  Telerate  Page 7051"),  for
                                        the  particular  Interest  Determination
                                        Date; or

                                x.      if the rate  referred  to in clause  (i)
                                        does not so appear on Moneyline Telerate
                                        Page 7051, the  percentage  equal to the
                                        yield   for   United   States   Treasury
                                        securities at "constant maturity" having
                                        the  particular  Index  Maturity and for
                                        the  particular  Interest  Determination
                                        Date as published  in H.  15(519)  under
                                        the    caption    "Treasury     Constant
                                        Maturities"; or

                                xi.     if the rate  referred  to in clause (ii)
                                        does not so  appear in H.  15(519),  the
                                        rate   on   the   particular    Interest
                                        Determination Date for the period of the
                                        particular Index Maturity as may then be
                                        published by either the Federal  Reserve
                                        System Board

                   Hartford Life Global Funding Trust 2005-095
                                      B-14                                    19
<PAGE>

                                        of  Governors   or  the  United   States
                                        Department  of  the  Treasury  that  the
                                        Calculation   Agent   determines  to  be
                                        comparable   to  the  rate  which  would
                                        otherwise   have   been   published   in
                                        H.15(519); or

                                xii.    if the rate  referred to in clause (iii)
                                        is not so  published,  the  rate  on the
                                        particular  Interest  Determination Date
                                        calculated by the Calculation Agent as a
                                        yield   to   maturity   based   on   the
                                        arithmetic mean of the secondary  market
                                        bid prices at  approximately  3:30 P.M.,
                                        New York  City  time,  on that  Interest
                                        Determination   Date  of  three  leading
                                        primary    United   States    government
                                        securities  dealers  in The  City of New
                                        York (which may  include the  purchasing
                                        agent  or  its   affiliates)   (each,  a
                                        "Reference   Dealer")  selected  by  the
                                        Calculation  Agent  from five  Reference
                                        Dealers   selected  by  the  Calculation
                                        Agent  and   eliminating   the   highest
                                        quotation, or, in the event of equality,
                                        one  of  the  highest,  and  the  lowest
                                        quotation  or, in the event of equality,
                                        one of the  lowest,  for  United  States
                                        Treasury  securities  with  an  original
                                        maturity equal to the  particular  Index
                                        Maturity,  a remaining  term to maturity
                                        no more than one year  shorter than that
                                        Index Maturity and in a principal amount
                                        that  is  representative  for  a  single
                                        transaction  in the  securities  in that
                                        market at that time; or

                                xiii.   if fewer  than five but more than two of
                                        the prices  referred  to in clause  (iv)
                                        are provided as  requested,  the rate on
                                        the  particular  Interest  Determination
                                        Date calculated by the Calculation Agent
                                        based on the arithmetic  mean of the bid
                                        prices  obtained and neither the highest
                                        nor the lowest of the  quotations  shall
                                        be eliminated; or

                                xiv.    if fewer than three  prices  referred to
                                        in   clause   (iv)   are   provided   as
                                        requested,  the  rate on the  particular
                                        Interest  Determination  Date calculated
                                        by the  Calculation  Agent as a yield to
                                        maturity based on the arithmetic mean of
                                        the  secondary  market  bid prices as of
                                        approximately  3:30 P.M.,  New York City
                                        time,  on  that  Interest  Determination
                                        Date of three Reference Dealers selected
                                        by  the  Calculation   Agent  from  five
                                        Reference   Dealers   selected   by  the
                                        Calculation  Agent and  eliminating  the
                                        highest  quotation  or,  in the event of
                                        equality,  one of the  highest  and  the
                                        lowest  quotation  or,  in the  event of
                                        equality,  one of the lowest, for United
                                        States   Treasury   securities  with  an
                                        original   maturity   greater  than  the
                                        particular  Index Maturity,  a remaining
                                        term to  maturity  closest to that Index
                                        Maturity and in a principal  amount that
                                        is    representative    for   a   single
                                        transaction  in the  securities  in that
                                        market at that time; or

                   Hartford Life Global Funding Trust 2005-095
                                      B-15                                    20
<PAGE>

                                xv.     if fewer  than  five  but more  than two
                                        prices  referred  to in clause  (vi) are
                                        provided as  requested,  the rate on the
                                        particular  Interest  Determination Date
                                        calculated  by  the  Calculation   Agent
                                        based on the arithmetic  mean of the bid
                                        prices  obtained and neither the highest
                                        nor the lowest of the quotations will be
                                        eliminated; or

                                xv.     if fewer than three  prices  referred to
                                        in   clause   (vi)   are   provided   as
                                        requested, the CMT Rate in effect on the
                                        particular Interest  Determination Date;
                                        or

                        (B)     if CMT Moneyline Telerate Page 7052 is specified
                        on the face hereof:

                                ix.     the percentage  equal to the one-week or
                                        one-month,  as  specified  on  the  face
                                        hereof,  average yield for United States
                                        Treasury    securities    at   "constant
                                        maturity"   having  the  Index  Maturity
                                        specified   on  the   face   hereof   as
                                        published  in  H.15(519)   opposite  the
                                        caption "Treasury Constant  Maturities",
                                        as the yield is  displayed  on Moneyline
                                        Telerate (or any successor  service) (on
                                        page  7052  or  any  other  page  as may
                                        replace  the  specified   page  on  that
                                        service)   ("Moneyline   Telerate   Page
                                        7052"),   for  the  week  or  month,  as
                                        applicable,  ended immediately preceding
                                        the week or  month,  as  applicable,  in
                                        which    the     particular     Interest
                                        Determination Date falls; or

                                x.      if the rate  referred  to in clause  (i)
                                        does not so appear on Moneyline Telerate
                                        Page 7052, the  percentage  equal to the
                                        one-week or  one-month,  as specified on
                                        the  face  hereof,   average  yield  for
                                        United  States  Treasury  securities  at
                                        "constant     maturity"    having    the
                                        particular  Index  Maturity  and for the
                                        week or month, as applicable,  preceding
                                        the  particular  Interest  Determination
                                        Date as published in H.15(519)  opposite
                                        the    caption    "Treasury     Constant
                                        Maturities"; or

                                xi.     if the rate  referred  to in clause (ii)
                                        does not so  appear  in  H.15(519),  the
                                        one-week or  one-month,  as specified on
                                        the  face  hereof,   average  yield  for
                                        United  States  Treasury  securities  at
                                        "constant     maturity"    having    the
                                        particular  Index  Maturity as otherwise
                                        announced by the Federal Reserve Bank of
                                        New  York  for  the  week or  month,  as
                                        applicable,  ended immediately preceding
                                        the week or  month,  as  applicable,  in
                                        which    the     particular     Interest
                                        Determination Date falls; or

                                xii.    if the rate  referred to in clause (iii)
                                        is not so  published,  the  rate  on the
                                        particular  Interest  Determination Date
                                        calculated by the Calculation Agent as a
                                        yield to maturity  based on the

                   Hartford Life Global Funding Trust 2005-095
                                      B-16                                    21
<PAGE>

                                        arithmetic mean of the secondary  market
                                        bid prices at  approximately  3:30 P.M.,
                                        New York  City  time,  on that  Interest
                                        Determination  Date of  three  Reference
                                        Dealers   selected  by  the  Calculation
                                        Agent   from  five   Reference   Dealers
                                        selected  by the  Calculation  Agent and
                                        eliminating the highest  quotation,  or,
                                        in the  event  of  equality,  one of the
                                        highest, and the lowest quotation or, in
                                        the  event  of  equality,   one  of  the
                                        lowest,   for  United  States   Treasury
                                        securities  with  an  original  maturity
                                        equal to the particular  Index Maturity,
                                        a  remaining  term to  maturity  no more
                                        than one year  shorter  than that  Index
                                        Maturity and in a principal  amount that
                                        is    representative    for   a   single
                                        transaction  in the  securities  in that
                                        market at that time; or

                                xiii.   if fewer  than five but more than two of
                                        the prices  referred  to in clause  (iv)
                                        are provided as  requested,  the rate on
                                        the  particular  Interest  Determination
                                        Date calculated by the Calculation Agent
                                        based on the arithmetic  mean of the bid
                                        prices  obtained and neither the highest
                                        nor the lowest of the  quotations  shall
                                        be eliminated; or

                                xiv.    if fewer than three  prices  referred to
                                        in   clause   (iv)   are   provided   as
                                        requested,  the  rate on the  particular
                                        Interest  Determination  Date calculated
                                        by the  Calculation  Agent as a yield to
                                        maturity based on the arithmetic mean of
                                        the  secondary  market  bid prices as of
                                        approximately  3:30 P.M.,  New York City
                                        time,  on  that  Interest  Determination
                                        Date of three Reference Dealers selected
                                        by  the  Calculation   Agent  from  five
                                        Reference   Dealers   selected   by  the
                                        Calculation  Agent and  eliminating  the
                                        highest  quotation  or,  in the event of
                                        equality,  one of the  highest  and  the
                                        lowest  quotation  or,  in the  event of
                                        equality,  one of the lowest, for United
                                        States   Treasury   securities  with  an
                                        original   maturity   greater  than  the
                                        particular  Index Maturity,  a remaining
                                        term to  maturity  closest to that Index
                                        Maturity and in a principal  amount that
                                        is    representative    for   a   single
                                        transaction  in the  securities  in that
                                        market at the time; or

                                xv.     if fewer  than  five  but more  than two
                                        prices  referred  to in clause  (vi) are
                                        provided as  requested,  the rate on the
                                        particular  Interest  Determination Date
                                        calculated  by  the  Calculation   Agent
                                        based on the arithmetic  mean of the bid
                                        prices  obtained and neither the highest
                                        nor the lowest of the quotations will be
                                        eliminated; or

                                xvi.    if fewer than three  prices  referred to
                                        in   clause   (vi)   are   provided   as
                                        requested,  the CMT  Rate in  effect  on
                                        that Interest Determination Date.

                   Hartford Life Global Funding Trust 2005-095
                                      B-17                                    22
<PAGE>

                        If  two  United  States  Treasury   securities  with  an
                        original   maturity  greater  than  the  Index  Maturity
                        specified  on the face  hereof have  remaining  terms to
                        maturity equally close to the particular Index Maturity,
                        the quotes for the United States Treasury  security with
                        the shorter original  remaining term to maturity will be
                        used.

        (3)     COMMERCIAL  PAPER RATE NOTES.  If the Interest Rate Basis is the
        Commercial  Paper Rate,  this Note shall be deemed a  "Commercial  Paper
        Rate Note." Unless otherwise  specified on the face hereof,  "Commercial
        Paper Rate" means,  from the Issuance Date to the first  Interest  Reset
        Date, the Initial Interest Rate, if any, and thereafter:

                (A)     the  Money  Market  Yield  (as  defined  below)  on  the
                particular   Interest   Determination   Date  of  the  rate  for
                commercial paper having the Index Maturity specified on the face
                hereof as published in H.15(519)  under the caption  "Commercial
                Paper--Nonfinancial"; or

                (B)     if  the  rate  referred  to in  clause  (A)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation  Date,  the  Money  Market  Yield of the rate on the
                particular  Interest  Determination  Date for  commercial  paper
                having the particular  Index Maturity as published in H.15 Daily
                Update, or such other recognized  electronic source used for the
                purpose of displaying  the  applicable  rate,  under the caption
                "Commercial Paper--Nonfinancial"; or

                (C)     if  the  rate  referred  to in  clause  (B)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation   Date,   the  rate  on  the   particular   Interest
                Determination  Date calculated by the  Calculation  Agent as the
                Money Market Yield of the  arithmetic  mean of the offered rates
                at  approximately  11:00  A.M.,  New  York  City  time,  on that
                Interest  Determination  Date of three leading dealers of United
                States  dollar  commercial  paper in The City of New York (which
                may include the purchasing agent or its affiliates)  selected by
                the Calculation Agent for commercial paper having the particular
                Index Maturity  placed for industrial  issuers whose bond rating
                is  "Aa",  or  the  equivalent,  from  a  nationally  recognized
                statistical rating organization; or

                (D)     if the dealers so selected by the Calculation  Agent are
                not quoting as  mentioned in clause (C),  the  Commercial  Paper
                Rate in effect on the particular Interest Determination Date.

        "Money  Market  Yield"  means  a  yield   (expressed  as  a  percentage)
        calculated in accordance with the following formula:

                Money Market Yield =    D x 360    x 100
                                     -------------
                                     360 - (D x M)

                   Hartford Life Global Funding Trust 2005-095
                                      B-18                                    23
<PAGE>

        where "D" refers to the applicable  per annum rate for commercial  paper
        quoted on a bank  discount  basis and  expressed  as a decimal,  and "M"
        refers to the actual  number of days in the  applicable  Interest  Reset
        Period.

        (4)     FEDERAL  FUNDS RATE  NOTES.  If the  Interest  Rate Basis is the
        Federal  Funds  Rate,  this Note shall be deemed a  "Federal  Funds Rate
        Note." Unless  otherwise  specified on the face hereof,  "Federal  Funds
        Rate" means,  from the Issuance Date to the first  Interest  Reset Date,
        the Initial Interest Rate, if any, and thereafter:

                (A)     the rate on the particular  Interest  Determination Date
                for United States dollar federal funds as published in H.15(519)
                under the caption  "Federal Funds  (Effective)" and displayed on
                Moneyline  Telerate (or any  successor  service) on page 120 (or
                any  other  page  as may  replace  the  specified  page  on that
                service) ("Moneyline Telerate Page 120"); or

                (B)     if the rate referred to in clause (A) does not so appear
                on  Moneyline  Telerate  Page 120 or is not so published by 3:00
                P.M., New York City time, on the related  Calculation  Date, the
                rate on the particular  Interest  Determination  Date for United
                States  dollar  federal funds as published in H.15 Daily Update,
                or such other recognized  electronic source used for the purpose
                of displaying the applicable  rate,  under the caption  "Federal
                Funds (Effective)"; or

                (C)     if  the  rate  referred  to in  clause  (B)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation   Date,   the  rate  on  the   particular   Interest
                Determination  Date calculated by the  Calculation  Agent as the
                arithmetic  mean  of the  rates  for  the  last  transaction  in
                overnight  United States dollar  federal funds arranged by three
                leading   brokers  of  United   States   dollar   federal  funds
                transactions  in The City of New York  (which  may  include  the
                purchasing agent or its affiliates)  selected by the Calculation
                Agent prior to 9:00 A.M.,  New York City time,  on that Interest
                Determination Date; or

                (D)     if the brokers so selected by the Calculation  Agent are
                not quoting as mentioned  in clause (C), the Federal  Funds Rate
                in effect on the particular Interest Determination Date.

        (5)     LIBOR  NOTES.  If the  Interest  Rate Basis is LIBOR,  this Note
        shall be deemed a "LIBOR Note." Unless  otherwise  specified on the face
        hereof,  "LIBOR"  means,  from the Issuance  Date to the first  Interest
        Reset Date, the Initial Interest Rate, if any, and thereafter:

                (A)     if "LIBOR  Moneyline  Telerate" is specified on the face
                hereof  or if  neither  "LIBOR  Reuters"  nor  "LIBOR  Moneyline
                Telerate"  is  specified  on the face  hereof as the  method for
                calculating  LIBOR,  the rate for deposits in the LIBOR Currency
                (as defined  below) having the Index  Maturity  specified on the
                face hereof, commencing on the related Interest

                   Hartford Life Global Funding Trust 2005-095
                                      B-19                                    24
<PAGE>

                Reset Date, that appears on the LIBOR Page (as defined below) as
                of  11:00  A.M.,   London  time,  on  the  particular   Interest
                Determination Date; or

                (B)     if "LIBOR Reuters" is specified on the face hereof,  the
                arithmetic  mean  of  the  offered  rates,   calculated  by  the
                Calculation Agent, or the offered rate, if the LIBOR Page by its
                terms provides only for a single rate, for deposits in the LIBOR
                Currency having the particular Index Maturity, commencing on the
                related Interest Reset Date, that appear or appears, as the case
                may be, on the LIBOR Page as of 11:00 A.M.,  London time, on the
                particular Interest Determination Date; or

                (C)     if  fewer  than two  offered  rates  appear,  or no rate
                appears,  as  the  case  may  be,  on  the  particular  Interest
                Determination  Date on the LIBOR Page as specified in clause (A)
                or (B), as applicable,  the rate  calculated by the  Calculation
                Agent as the arithmetic mean of at least two offered  quotations
                obtained by the Calculation Agent after requesting the principal
                London offices of each of four major  reference banks (which may
                include  affiliates  of the  purchasing  agent)  in  the  London
                interbank  market to  provide  the  Calculation  Agent  with its
                offered  quotation  for  deposits in the LIBOR  Currency for the
                period  of the  particular  Index  Maturity,  commencing  on the
                related  Interest  Reset  Date,  to prime  banks  in the  London
                interbank  market at approximately  11:00 A.M.,  London time, on
                that Interest  Determination Date and in a principal amount that
                is representative for a single transaction in the LIBOR Currency
                in that market at that time; or

                (D)     if fewer  than two  offered  quotations  referred  to in
                clause (C) are provided as requested, the rate calculated by the
                Calculation  Agent as the arithmetic mean of the rates quoted at
                approximately 11:00 A.M., in the applicable  Principal Financial
                Center, on the particular  Interest  Determination Date by three
                major banks  (which may  include  affiliates  of the  purchasing
                agent)  in  that  Principal  Financial  Center  selected  by the
                Calculation  Agent for loans in the LIBOR  Currency  to  leading
                European  banks,  having the particular  Index Maturity and in a
                principal amount that is representative for a single transaction
                in the LIBOR Currency in that market at that time; or

                (E)     if the banks so  selected by the  Calculation  Agent are
                not quoting as mentioned  in clause (D),  LIBOR in effect on the
                particular Interest Determination Date.

        "LIBOR  Currency" means the currency  specified on the face hereof as to
        which LIBOR shall be  calculated  or, if no currency is specified on the
        face hereof, United States dollars.

                   Hartford Life Global Funding Trust 2005-095
                                      B-20                                    25
<PAGE>

        "LIBOR Page" means  either:  (1) if "LIBOR  Reuters" is specified on the
        face hereof,  the display on the Reuter  Monitor Money Rates Service (or
        any successor  service) on the page specified on the face hereof (or any
        other page as may replace that page on that  service) for the purpose of
        displaying  the  London  interbank  rates of major  banks  for the LIBOR
        Currency;  or (2) if "LIBOR Moneyline Telerate" is specified on the face
        hereof or neither  "LIBOR  Reuters"  nor "LIBOR  Moneyline  Telerate" is
        specified on the face hereof as the method for  calculating  LIBOR,  the
        display on  Moneyline  Telerate (or any  successor  service) on the page
        specified on the face hereof (or any other page as may replace such page
        on such  service),  or if no such page is  specified,  on the  Moneyline
        Telerate (or any successor  service) page generally used for the purpose
        of displaying  the London  interbank  rates of major banks for the LIBOR
        Currency.

        (6)     PRIME RATE NOTES.  If the Interest Rate Basis is the Prime Rate,
        this  Note  shall be  deemed  a  "Prime  Rate  Note."  Unless  otherwise
        specified on the face hereof, "Prime Rate" means, from the Issuance Date
        to the first Interest Reset Date, the Initial Interest Rate, if any, and
        thereafter:

                (A)     the rate on the particular  Interest  Determination Date
                as published in H.15(519)  under the caption  "Bank Prime Loan";
                or

                (B)     if  the  rate  referred  to in  clause  (A)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation   Date,   the  rate  on  the   particular   Interest
                Determination  Date as published in H.15 Daily  Update,  or such
                other  recognized  electronic  source  used for the  purpose  of
                displaying  the applicable  rate,  under the caption "Bank Prime
                Loan", or

                (C)     if  the  rate  referred  to in  clause  (B)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation   Date,   the  rate  on  the   particular   Interest
                Determination  Date calculated by the  Calculation  Agent as the
                arithmetic mean of the rates of interest  publicly  announced by
                each bank that appears on the Reuters Screen US PRIME 1 Page (as
                defined  below)  as the  applicable  bank's  prime  rate or base
                lending  rate as of 11:00  A.M.,  New York  City  time,  on that
                Interest Determination Date; or

                (D)     if fewer than four rates  referred  to in clause (C) are
                so  published by 3:00 p.m.,  New York City time,  on the related
                Calculation  Date, the rate calculated by the Calculation  Agent
                on the particular Interest  Determination Date as the arithmetic
                mean of the  prime  rates or base  lending  rates  quoted on the
                basis of the  actual  number  of days in the year  divided  by a
                360-day  year as of the  close  of  business  on  that  Interest
                Determination  Date by three  major  banks  (which  may  include
                affiliates  of the  purchasing  agent)  in The  City of New York
                selected by the Calculation Agent; or

                   Hartford Life Global Funding Trust 2005-095
                                      B-21                                    26
<PAGE>

                (E)     if the banks so  selected by the  Calculation  Agent are
                not quoting as mentioned in clause (D), the Prime Rate in effect
                on the particular Interest Determination Date.

        "Reuters Screen US PRIME 1 Page" means the display on the Reuter Monitor
        Money Rates Service (or any successor  service) on the "US PRIME 1" page
        (or any other page as may  replace  that page on that  service)  for the
        purpose of displaying  prime rates or base lending rates of major United
        States banks.

        (7)     TREASURY RATE NOTES.  If the Interest Rate Basis is the Treasury
        Rate, this Note shall be deemed a "Treasury Rate Note." Unless otherwise
        specified on the face hereof,  "Treasury Rate" means,  from the Issuance
        Date to the first  Interest  Reset Date,  the Initial  Interest Rate, if
        any, and thereafter:

                (A)     the  rate  from  the  auction   held  on  the   Interest
                Determination  Date (the "Auction") of direct obligations of the
                United  States  ("Treasury  Bills")  having  the Index  Maturity
                specified on the face hereof under the caption "Investment Rate"
                on the display on Moneyline  Telerate (or any successor service)
                on page 56 (or any other page as may  replace  that page on that
                service) ("Moneyline Telerate Page 56") or page 57 (or any other
                page as may  replace  that  page on  that  service)  ("Moneyline
                Telerate Page 57"); or

                (B)     if  the  rate  referred  to in  clause  (A)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation  Date, the Bond Equivalent  Yield (as defined below)
                of the rate for the  applicable  Treasury  Bills as published in
                H.15 Daily Update, or another recognized  electronic source used
                for the purpose of displaying  the  applicable  rate,  under the
                caption  "U.S.  Government   Securities/Treasury   Bills/Auction
                High"; or

                (C)     if  the  rate  referred  to in  clause  (B)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation  Date, the Bond Equivalent Yield of the auction rate
                of the  applicable  Treasury  Bills as  announced  by the United
                States Department of the Treasury; or

                (D)     if  the  rate  referred  to in  clause  (C)  is  not  so
                announced by the United States Department of the Treasury, or if
                the Auction is not held, the Bond  Equivalent  Yield of the rate
                on the particular Interest  Determination Date of the applicable
                Treasury Bills as published in H.15(519) under the caption "U.S.
                Government Securities/Treasury Bills/Secondary Market"; or

                (E)     if  the  rate  referred  to in  clause  (D)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation   Date,   the  rate  on  the   particular   Interest
                Determination Date of the applicable Treasury Bills as published
                in H.15 Daily Update, or another recognized electronic source

                   Hartford Life Global Funding Trust 2005-095
                                      B-22                                    27
<PAGE>

                used for the purpose of displaying  the applicable  rate,  under
                the caption "U.S. Government Securities/Treasury Bills/Secondary
                Market"; or

                (F)     if  the  rate  referred  to in  clause  (E)  is  not  so
                published  by 3:00  P.M.,  New York City  time,  on the  related
                Calculation   Date,   the  rate  on  the   particular   Interest
                Determination  Date calculated by the  Calculation  Agent as the
                Bond  Equivalent  Yield of the arithmetic  mean of the secondary
                market bid rates, as of  approximately  3:30 P.M., New York City
                time,  on that  Interest  Determination  Date,  of three primary
                United States government  securities  dealers (which may include
                the  purchasing  agent  or  its  affiliates)   selected  by  the
                Calculation  Agent,  for the  issue  of  Treasury  Bills  with a
                remaining  maturity  closest to the Index Maturity  specified on
                the face hereof; or

                (G)     if the dealers so selected by the Calculation  Agent are
                not quoting as mentioned  in clause (F),  the  Treasury  Rate in
                effect on the particular Interest Determination Date.

        "Bond  Equivalent  Yield"  means a  yield  (expressed  as a  percentage)
        calculated in accordance with the following formula:

                Bond Equivalent Yield =     D x N     x 100
                                        -------------
                                        360 - (D x M)

        where "D" refers to the  applicable  per annum rate for  Treasury  Bills
        quoted on a bank discount  basis and expressed as a decimal,  "N" refers
        to 365 or 366,  as the case may be, and "M" refers to the actual  number
        of days in the applicable Interest Reset Period.

    (c) DISCOUNT  NOTES.  If this  Note is  specified  on the face  hereof  as a
        "Discount  Note":

        (i)  PRINCIPAL  AND  INTEREST.  This Note will bear interest in the same
        manner as set forth in Section 3(a) above, and payments of principal and
        interest  shall be made as set forth on the face hereof.  Discount Notes
        may not bear any interest  currently or may bear interest at a rate that
        is below market rates at the time of issuance.  The  difference  between
        the  Issue  Price  of a  Discount  Note  and par is  referred  to as the
        "Discount".

        (ii) REDEMPTION;  REPAYMENT;  ACCELERATION. In the event a Discount Note
        is redeemed, repaid or accelerated,  the amount payable to the Holder of
        such  Discount  Note will be equal to the sum of:  (A) the  Issue  Price
        (increased  by any  accruals  of  Discount)  and,  in the  event  of any
        redemption  of such  Discount  Note,  if  applicable,  multiplied by the
        Initial  Redemption  Percentage  (as  adjusted by the Annual  Redemption
        Percentage  Reduction,  if  applicable);  and  (B) any  unpaid  interest
        accrued on such  Discount  Note to the Maturity  Date  ("Amortized  Face
        Amount"). Unless otherwise specified on the face hereof, for purposes of
        determining  the amount of  Discount  that has accrued as of any date on
        which a redemption,  repayment or  acceleration of maturity occurs for a
        Discount Note, a Discount will be accrued using

                   Hartford Life Global Funding Trust 2005-095
                                      B-23                                    28
<PAGE>

        a constant yield method.  The constant yield will be calculated  using a
        30-day month, 360-day year convention, a compounding period that, except
        for the Initial Period (as defined  below),  corresponds to the shortest
        period between Interest  Payment Dates for the applicable  Discount Note
        (with ratable accruals within a compounding period), a coupon rate equal
        to the initial coupon rate  applicable to the  applicable  Discount Note
        and an  assumption  that the maturity of such  Discount Note will not be
        accelerated.  If the period from the date of issue to the first Interest
        Payment Date for a Discount Note (the "Initial  Period") is shorter than
        the compounding period for such Discount Note, a proportionate amount of
        the yield for an  entire  compounding  period  will be  accrued.  If the
        Initial Period is longer than the  compounding  period,  then the period
        will be divided  into a regular  compounding  period and a short  period
        with the short period being treated as provided above.

    (d) AMORTIZING  NOTES.  If this Note is  specified  on the face hereof as an
"Amortizing  Note", this Note will bear interest in the same manner as set forth
in Section 3(a) above, and payments of principal,  premium, if any, and interest
will be made as set forth on the face hereof and/or in accordance  with Schedule
I attached hereto. The Trust will make payments combining principal, premium (if
any) and interest,  if applicable,  on the dates and in the amounts set forth in
the table  appearing in SCHEDULE I, attached to this Note or in accordance  with
the formula  specified on the face hereof.  Payments made hereon will be applied
first to interest due and payable hereon and then to the reduction of the unpaid
principal amount hereof.

SECTION 4.  REDEMPTION.  If no redemption right is set forth on the face hereof,
this Note may not be redeemed prior to the Stated  Maturity Date,  except as set
forth in the Indenture.  If a redemption  right is set forth on the face of this
Note, the Trust shall redeem this Note on the Interest  Payment Date on or after
the  Initial  Redemption  Date set forth on the face hereof on which the Funding
Agreement  is to be  redeemed  in whole or in part by  Hartford  Life  Insurance
Company  ("Hartford Life") (each, a "Redemption  Date"), in which case this Note
must be redeemed on such  Redemption  Date in whole or in part,  as  applicable,
prior to the  Stated  Maturity  Date,  in  increments  equal  to the  Authorized
Denominations  (provided that any remaining  Principal Amount hereof shall be at
least equal to the Authorized  Denomination) at the applicable  Redemption Price
(as defined below),  together with unpaid interest,  if any, accrued thereon to,
but excluding,  the applicable Redemption Date. "Redemption Price" shall mean an
amount  equal to the Initial  Redemption  Percentage  (as adjusted by the Annual
Redemption  Percentage  Reduction,  if  applicable)  multiplied  by  the  unpaid
Principal  Amount of this Note to be redeemed (or in the case of Discount Notes,
multiplied as set forth in Section 3(c)(ii) above).  The unpaid Principal Amount
of  this  Note  to be  redeemed  shall  be  determined  by  multiplying  (1) the
Outstanding  Principal  Amount  of  this  Note by (2) the  quotient  derived  by
dividing (A) the  outstanding  principal  amount of the Funding  Agreement to be
redeemed by Hartford Life by (B) the outstanding principal amount of the Funding
Agreement.  The Initial Redemption  Percentage,  if any, applicable to this Note
shall decline at each  anniversary of the Initial  Redemption  Date by an amount
equal to the applicable Annual Redemption  Percentage  Reduction,  if any, until
the  Redemption  Price is  equal  to 100% of the  unpaid  amount  thereof  to be
redeemed.  Notice  must be given not more than  seventy-five  (75) nor less than
thirty (30) calendar days prior to the proposed Redemption Date. In the event of
redemption  of this Note in part  only,  a new Note for the  unredeemed  portion
hereof  shall be  issued in the name of the  Holder  hereof  upon the  surrender
hereof.

                   Hartford Life Global Funding Trust 2005-095
                                      B-24                                    29
<PAGE>

SECTION 5. SINKING  FUNDS AND  AMORTIZING  NOTES.  Unless  specified on the face
hereof,  this Note will not be subject  to, or  entitled  to the benefit of, any
sinking fund. If this Note is an Amortizing Note, this Note may pay an amount in
respect of both interest and principal amortized over the life of this Note.

SECTION 6.  REPAYMENT.  If no  repayment  right is set forth on the face hereof,
this Note may not be repaid at the  option  of the  Holder  hereof  prior to the
Stated  Maturity Date. If a repayment right is granted on the face of this Note,
this  Note may be  subject  to  repayment  at the  option  of the  Holder on any
Interest  Payment  Date on and  after the date,  if any,  indicated  on the face
hereof (each,  a "Repayment  Date").  On any Repayment  Date,  unless  otherwise
specified on the face  hereof,  this Note shall be repayable in whole or in part
in increments equal to the Authorized Denominations (provided that any remaining
Principal Amount hereof shall be at least equal to the Authorized  Denomination)
at  the  option  of the  Holder  hereof  at the  Repayment  Price  equal  to the
percentage  of the Principal  Amount to be repaid  specified on the face hereof,
together with interest  thereon  payable to the Repayment Date. For this Note to
be repaid in whole or in part at the option of the Holder hereof,  the Indenture
Trustee (or the Paying Agent on behalf of the  Indenture  Trustee) must receive,
at its  Corporate  Trust  Office,  or at such other place or places of which the
Trust  shall from time to time  notify  the  Holder of this Note,  not more than
seventy-five  (75) nor less than  thirty  (30) days prior to a  Repayment  Date,
shown on the face of this Note, (i) this Note with the form entitled  "Option to
Elect  Repayment",  attached  hereto,  duly  completed  by the  Holder or (ii) a
telegram,  telex, facsimile transmission or a letter from a member of a national
securities exchange or the National Association of Securities Dealers, Inc. or a
commercial  bank or a trust company in the United States  setting forth the name
of the holder of this Note, the principal amount hereof,  the certificate number
of this Note or a  description  of this Note's  tenor and terms,  the  principal
amount hereof to be repaid,  a statement  that the option to elect  repayment is
being exercised  thereby and a guarantee that this Note,  together with the form
entitled  "Option to Elect  Repayment" duly  completed,  will be received by the
Indenture  Trustee (or the Paying Agent on behalf of the Indenture  Trustee) not
later than the fifth (5th) Business Day after the date of such telegram,  telex,
facsimile transmission or letter; PROVIDED, that such telegram, telex, facsimile
transmission  or  letter  shall  only be  effective  if this  Note and form duly
completed are received by the  Indenture  Trustee (or the Paying Agent on behalf
of the Indenture  Trustee) by such fifth (5th)  Business  Day.  Exercise of such
repayment  option by the Holder  hereof  shall be  irrevocable.  In the event of
repayment  of this Note in part only,  a new Note or Notes for the amount of the
unpaid  portion hereof shall be issued in the name of the Holder hereof upon the
cancellation hereof.

SECTION  7.  MODIFICATIONS  AND  WAIVERS.   The  Indenture  contains  provisions
permitting the Trust and the Indenture  Trustee (1) at any time and from time to
time without notice to, or the consent of, the Holders of any Notes issued under
the  Indenture  to enter into one or more  supplemental  indentures  for certain
enumerated  purposes  and (2) with the  consent of the  Holders of a majority in
aggregate  principal amount of the Outstanding Notes affected thereby,  to enter
into  one or  more  supplemental  indentures  for  the  purpose  of  adding  any
provisions  to, or changing in any manner or  eliminating  any of the provisions
of, the  Indenture  or of modifying in any manner the rights of Holders of Notes
under  the  Indenture;  PROVIDED,  that,  with  respect  to  certain  enumerated
provisions,  no such  supplemental  indenture  shall be entered into without the
consent of the Holder of each Note affected thereby.  Any such consent or waiver
by the Holder of this Note shall be conclusive  and binding upon such Holder and
upon all future Holders of this

                   Hartford Life Global Funding Trust 2005-095
                                      B-25                                    30
<PAGE>

Note and of any Note  issued  upon the  registration  of  transfer  hereof or in
exchange  hereof or in lieu  hereof,  whether or not notation of such consent or
waiver is made upon this Note or such other Notes.

SECTION 8. OBLIGATIONS  UNCONDITIONAL.  No reference herein to the Indenture and
no provisions  of this Note or of the  Indenture  shall impair the right of each
Holder of any Note, which is absolute and  unconditional,  to receive payment of
the principal of, and any interest on, and premium, if any, on, such Note on the
respective Stated Maturity Date or redemption date thereof and to institute suit
for the  enforcement of any such payment,  and such rights shall not be impaired
without the consent of such Holder.

SECTION 9. EVENTS OF DEFAULT.  If an Event of Default  with respect to the Notes
shall occur and be continuing,  the principal of, and all other amounts  payable
on,  the  Notes  may be  declared  due  and  payable,  or  may be  automatically
accelerated,  as the case may be, in the manner and with the effect  provided in
the  Indenture.  In the event that this Note is a Discount  Note,  the amount of
principal of this Note that becomes due and payable upon such acceleration shall
be equal to the amount calculated as set forth in Section 3(c) hereof.

SECTION 10. WITHHOLDING; TAX EVENT. All amounts due in respect of this Note will
be made free and clear of any  applicable  withholding  or  deduction  for or on
account of any present or future taxes,  duties,  levies,  assessments  or other
governmental charges of whatever nature imposed or levied by or on behalf of any
governmental authority, unless such withholding or deduction is required by law.
Unless  otherwise  specified  on the face  hereof,  the  Trust  will not pay any
additional amounts to the Holder of this Note in respect of any such withholding
or deduction,  any such  withholding or deduction will not give rise to an event
of default or any  independent  right or  obligation to redeem this Note and the
Holder will be deemed for all purposes to have  received cash in an amount equal
to the portion of such  withholding  or deduction that is  attributable  to such
Holder's interest in this Note as equitably determined by the Trust.

        If Hartford Life will be required to pay additional amounts to the Trust
to reflect any required withholding or deduction under the Funding Agreement and
Hartford Life is required,  or based on an opinion of independent  legal counsel
selected by Hartford Life more than an  insubstantial  risk exists that Hartford
Life will be required to pay additional  amounts in respect of such  withholding
or deduction,  Hartford Life will have the right to redeem the Funding Agreement
and, if Hartford Life elects to so redeem the Funding Agreement,  the Trust will
redeem this Note,  subject to the terms and  conditions  of SECTION  2.04 of the
Indenture.

        If (1) a Tax Event (defined below) as to the relevant Funding  Agreement
occurs and (2) Hartford Life elects to redeem the Funding  Agreement in whole or
in part, the Trust will redeem this Note, subject to the terms and conditions of
SECTION 2.04 of the Indenture, at the Tax Event Redemption Price (defined below)
together with unpaid interest accrued thereon to the applicable redemption date.
"Tax  Event"  means  that  Hartford  Life  shall  have  received  an  opinion of
independent  legal  counsel  stating  in  effect  that  as a  result  of (a) any
amendment to, or change  (including  any announced  prospective  change) in, the
laws (or any  regulations  thereunder)  of the  United  States or any  political
subdivision or taxing  authority  thereof or therein or (b) any amendment to, or
change in, an interpretation or application of any such laws or regulations by

                   Hartford Life Global Funding Trust 2005-095
                                      B-26                                    31
<PAGE>

any  governmental  authority in the United States,  which amendment or change is
enacted, promulgated,  issued or announced on or after the effective date of the
relevant Funding  Agreement,  there is more than an insubstantial  risk that (i)
the Trust is, or will be within ninety (90) days of the date thereof, subject to
U.S.  federal  income tax with  respect to  interest  accrued or received on the
relevant  Funding  Agreement or (ii) the Trust is, or will be within ninety (90)
days of the date  thereof,  subject to more than a de  minimis  amount of taxes,
duties or other  governmental  charges.  "Tax Event  Redemption  Price" means an
amount equal to the unpaid principal  amount of this Note to be redeemed,  which
shall be determined by multiplying (1) the Outstanding  Principal Amount of this
Note by (2) the  quotient  derived by  dividing  (A) the  outstanding  principal
amount to be  redeemed  by Hartford  Life of the  Funding  Agreement  by (B) the
outstanding principal amount of the Funding Agreement.

SECTION 11. LISTING.  Unless otherwise  specified on the face hereof,  this Note
will not be listed on any securities exchange.

SECTION  12.  COLLATERAL.  The  Collateral  for this Note  includes  the Funding
Agreement specified on the face hereof.

SECTION 13. NO RECOURSE  AGAINST CERTAIN  PERSONS.  No recourse shall be had for
the payment of any principal, interest or any other sums at any time owing under
the terms of this Note, or for any claim based  hereon,  or otherwise in respect
hereof, or based on or in respect of the Indenture or any indenture supplemental
thereto, against the Nonrecourse Parties, whether by virtue of any constitution,
statute or rule of law, or by the  enforcement  of any  assessment or penalty or
otherwise,  all such personal  liability being, by the acceptance  hereof and as
part of the consideration for issue hereof, expressly waived and released.

SECTION 14. MISCELLANEOUS.

        (a) This Note is issuable only as a registered  Note without  coupons in
denominations  of $1,000 and any integral  multiple of $1,000 in excess  thereof
unless otherwise specified on the face of this Note.

        (b) Prior to due presentment for  registration of transfer of this Note,
the Trust, the Indenture  Trustee,  the Registrar,  the Paying Agent, any Agent,
and any other agent of the Trust or the  Indenture  Trustee may treat the Person
in whose name this Note is  registered  as the owner  hereof for the  purpose of
receiving payment as herein provided and for all other purposes,  whether or not
this Note shall be overdue,  and none of the Trust, the Indenture  Trustee,  the
Registrar,  the Paying Agent,  any Agent, or any other agent of the Trust or the
Indenture Trustee shall be affected by notice to the contrary.

        (c) The Notes are being issued by means of a book-entry-only system with
no physical  distribution  of  certificates to be made except as provided in the
Indenture.  The book-entry system  maintained by DTC will evidence  ownership of
the Notes,  with  transfers of ownership  effected on the records of DTC and its
participants  pursuant  to  rules  and  procedures  established  by DTC  and its
participants.  The Trust and the Indenture Trustee will recognize Cede & Co., as
nominee of DTC, as the registered owner of the Notes, as the Holder of the Notes
for all purposes, including payment of principal, premium (if any) and interest,
notices and voting.

                   Hartford Life Global Funding Trust 2005-095
                                      B-27                                    32
<PAGE>

Transfer of principal, premium (if any) and interest to participants of DTC will
be the  responsibility  of DTC, and transfer of principal,  premium (if any) and
interest to beneficial  holders of the Notes by  participants of DTC will be the
responsibility  of such  participants  and  other  nominees  of such  beneficial
holders.  So long as the  book-entry  system is in effect,  the selection of any
Notes to be redeemed or repaid will be  determined  by DTC pursuant to rules and
procedures  established by DTC and its  participants.  Neither the Trust nor the
Indenture  Trustee  will not be  responsible  or liable  for such  transfers  or
payments or for maintaining,  supervising or reviewing the records maintained by
DTC, its participants or persons acting through such participants.

        (d) This Note or portion  hereof  may not be  exchanged  for  Definitive
Notes, except in the limited  circumstances  provided for in the Indenture.  The
transfer or exchange  of  Definitive  Notes shall be subject to the terms of the
Indenture.  No service charge will be made for any  registration  of transfer or
exchange, but the Trust may require payment of a sum sufficient to cover any tax
or other governmental charge payable in connection therewith.

SECTION 15.  GOVERNING  LAW.  THIS NOTE SHALL BE GOVERNED  BY, AND  CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

                   Hartford Life Global Funding Trust 2005-095
                                      B-28                                    33
<PAGE>

                            OPTION TO ELECT REPAYMENT

        The undersigned hereby irrevocably  request(s) and instruct(s) the Trust
to repay this Note (or portion hereof  specified below) pursuant to its terms at
a price equal to the  Principal  Amount  hereof  together  with  interest to the
repayment date, to the undersigned, at:

______________________________________________________________________________

______________________________________________________________________________
(Please print or typewrite name and address of the undersigned).

        If less than the entire  Principal  Amount of this Note is to be repaid,
specify the portion  hereof  (which shall be in  increments of $1,000) which the
Holder  elects to have  repaid and  specify the  denomination  or  denominations
(which shall be $______ or an integral  multiple of $1,000 in excess of $______)
of the Notes to be issued to the Holder  for the  portion of this Note not being
repaid (in the absence of any such  specification,  one such Note will be issued
for the portion not being repaid).

$_________________________________      NOTICE:  The  signature  on  this
                                        Option  to Elect  Repayment  must
Date:_____________________________      correspond   with   the  name  as
                                        written  upon  the  face  of this
Principal Amount to be repaid, if       Note in every particular, without
amount to be repaid is less than the    alteration or  enlargement or any
Principal Amount of this Note           change whatever.
(Principal Amount remaining must
be an authorized denomination)          Fill in for registration of Notes
                                        if to be issued otherwise than to
$_________________________              the registered Holder:

                                        Name:  __________________________
                                        Address: ________________________
                                                 ________________________
                                        (Please print name and
                                        address including zip code)

SOCIAL SECURITY OR OTHER TAXPAYER ID NUMBER: _________________

                   Hartford Life Global Funding Trust 2005-095
                                      B-29                                    34
<PAGE>

                                   SCHEDULE I

                          AMORTIZATION TABLE OR FORMULA
                          -----------------------------

                                 Not applicable.

                   Hartford Life Global Funding Trust 2005-095
                                      B-30                                    35
<PAGE>

                                   SCHEDULE II

                                     SPREAD
                                     ------

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

--------------------------------------------------------------------------------
                                    PERIOD                                SPREAD
--------------------------------------------------------------------------------
From and including the Issuance Date to
  but not including August 15, 2006                                      - 0.02%
--------------------------------------------------------------------------------
From and including August 15, 2006 to but not including August 15, 2007  + 0.00%
--------------------------------------------------------------------------------
From and including August 15, 2007 to but not including August 15, 2008  + 0.02%
--------------------------------------------------------------------------------
From and including August 15, 2008 to the Final Stated Maturity Date     + 0.03%
--------------------------------------------------------------------------------

                   Hartford Life Global Funding Trust 2005-095
                                      B-31
                                                                              36EXHIBIT 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.

                  [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").

                              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.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                   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.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                   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.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                   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.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                   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

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