Document:

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INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101927 of Hartford Life Insurance Company Separate Account
Three on Form N-4, of our report dated February 19, 2003 of Hartford Life
Insurance Company relating to the financial statements as of and for the year
ended December 31, 2002, 2001 and 2000, and of our report dated February 21,
2003 of Hartford Life Insurance Company Separate Account Three relating to
the financial statements as of and for the year ended December 31, 2002,
appearing in the Statement of Additional Information, which is a part of such
Registration Statement, and to the reference to us under the headings
"Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101942 of Hartford Life Insurance Company Separate Account
Seven on Form N-4, of our report dated February 19, 2003 of Hartford Life
Insurance Company relating to the financial statements as of and for the year
ended December 31, 2002, 2001 and 2000, and of our report dated February 21,
2003 of Hartford Life Insurance Company Separate Account Seven relating to the
financial statements as of and for the year ended December 31, 2002, appearing
in the Statement of Additional Information, which is a part of such Registration
Statement, and to the reference to us under the headings "Experts" in such
Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101943 of Hartford Life and Annuity Insurance Company Separate
Account Seven on Form N-4, of our report dated March 26, 2003 of Hartford Life
and Annuity Insurance Company relating to the statutory financial statements as
of and for the year ended December 31, 2002 and of our report dated February 21,
2003 of Hartford Life and Annuity Insurance Company Separate Account Seven
relating to the financial statements as of and for the year ended December 31,
2002, appearing in the Statement of Additional Information, which is a part of
such Registration Statement, and to the reference to us under the headings
"Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101932 of Hartford Life Insurance Company Separate Account
Seven on Form N-4, of our report dated February 19, 2003 of Hartford Life
Insurance Company relating to the financial statements as of and for the year
ended December 31, 2002, 2001 and 2000, and of our report dated February
21, 2003 of Hartford Life Insurance Company Separate Account Seven relating
to the financial statements as of and for the year ended December 31,
2002, appearing in the Statement of Additional Information, which is a part
of such Registration Statement, and to the reference to us under the headings
"Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-102625 of Hartford Life Insurance Company Separate Account
Three on Form N-4, of our report dated February 19, 2003 of Hartford Life
Insurance Company relating to the financial statements as of and for the year
ended December 31, 2002, 2001 and 2000, and of our report dated February 21,
2003 of Hartford Life Insurance Company Separate Account Three relating to
the financial statements as of and for the year ended December 31, 2002,
appearing in the Statement of Additional Information, which is a part of such
Registration Statement, and to the reference to us under the headings
"Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 4 to Registration
Statement No. 333-104357 of Hartford Life and Annuity Insurance Company Separate
Account Seven on Form N-4, of our report dated March 26, 2003 of Hartford Life
and Annuity Insurance Company relating to the statutory financial statements as
of and for the year ended December 31, 2002 and of our report dated February 21,
2003 of Hartford Life and Annuity Insurance Company Separate Account Seven
relating to the financial statements as of and for the year ended December 31,
2002, appearing in the Statement of Additional Information, which is a part of
such Registration Statement, and to the reference to us under the headings
"Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 3 to Registration
Statement No. 333-101933 of Hartford Life and Annuity Insurance Company
Separate Account Seven on Form N-4, of our report dated March 26, 2003 of
Hartford Life and Annuity Insurance Company relating to the statutory
financial statements as of and for the year ended December 31, 2002 and of
our report dated February 21, 2003 of Hartford Life and Annuity Insurance
Company Separate Account Seven relating to the financial statements as of and
for the year ended December 31, 2002, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and
to the reference to us under the headings "Experts" in such Statement of
Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101936 of Hartford Life and Annuity Insurance Company
Separate Account Seven on Form N-4, of our report dated March 26, 2003 of
Hartford Life and Annuity Insurance Company relating to the statutory
financial statements as of and for the year ended December 31, 2002 and of
our report dated February 21, 2003 of Hartford Life and Annuity Insurance
Company Separate Account Seven relating to the financial statements as of and
for the year ended December 31, 2002, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and
to the reference to us under the headings "Experts" in such Statement of
Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101928 of Hartford Life and Annuity Insurance Company Separate
Account Three on Form N-4, of our report dated March 26, 2003 of Hartford Life
and Annuity Insurance Company relating to the statutory financial statements as
of and for the year ended December 31, 2002 and of our report dated February 21,
2003 of Hartford Life and Annuity Insurance Company Separate Account Three
relating to the financial statements as of and for the year ended December 31,
2002, appearing in the Statement of Additional Information, which is a part of
such Registration Statement, and to the reference to us under the headings
"Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101948 of Hartford Life Insurance Company Separate Account
Seven on Form N-4, of our report dated February 19, 2003 of Hartford Life
Insurance Company relating to the financial statements as of and for the year
ended December 31, 2002, 2001 and 2000, and of our report dated February 21,
2003 of Hartford Life Insurance Company Separate Account Seven relating to the
financial statements as of and for the year ended December 31, 2002, appearing
in the Statement of Additional Information, which is a part of such Registration
Statement, and to the reference to us under the headings "Experts" in such
Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101954 of Hartford Life Insurance Company Separate Account
Seven on Form N-4, of our report dated February 19, 2003 of Hartford Life
Insurance Company relating to the financial statements as of and for the year
ended December 31, 2002, 2001 and 2000, and of our report dated February 21,
2003 of Hartford Life Insurance Company Separate Account Seven relating to the
financial statements as of and for the year ended December 31, 2002, appearing
in the Statement of Additional Information, which is a part of such Registration
Statement, and to the reference to us under the headings "Experts" in such
Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003<Page>

                         INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101937 of Hartford Life Insurance Company Separate Account
Seven on Form N-4, of our report dated February 19, 2003 of Hartford Life
Insurance Company relating to the financial statements as of and for the year
ended December 31, 2002, 2001 and 2000, and of our report dated February 21,
2003 of Hartford Life Insurance Company Separate Account Seven relating to
the financial statements as of and for the year ended December 31, 2002,
appearing in the Statement of Additional Information, which is a part of such
Registration Statement, and to the reference to us under the headings
"Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 6, 2003

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