Document:

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INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 2 to Registration
Statement No. 333-101930 of Hartford Life and Annuity Insurance Company
Separate Account Ten 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 Ten 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. 333-101924 of Hartford Life and Annuity Insurance Company Separate
Account One 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 One
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. 333-101926 of Hartford Life and Annuity Insurance Company
Separate Account Ten 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 Ten 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. 333-105259 of Hartford Life and Annuity Insurance Company
Separate Account One 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 One 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. 333-105260 of Hartford Life Insurance Company Separate Account
Ten 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 Ten 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. 333-101939 of Hartford Life and Annuity Insurance Company Separate
Account One 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 One
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. 333-105261 of Hartford Life and Annuity Insurance Company
Separate Account Ten 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 Ten 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. 333-105253 of Hartford Life Insurance Company
Separate Account Two 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 Two
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. 333-105255 of Hartford Life and Annuity Insurance Company
Separate Account One 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 One 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. 333-101947 of Hartford Life and Annuity Insurance Company
Separate Account Ten 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 Ten 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. 333-105257 of Hartford Life Insurance Company Separate Account
Ten 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 Ten 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. 333-105258 of Hartford Life and Annuity Insurance Company
Separate Account Ten 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 Ten 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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