Document:

<Page>

                                                                    Exhibit 4.11

                               OMNIBUS INSTRUMENT

                                 WITH REGARD TO

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

     WHEREAS, the parties named herein desire to enter into certain Issuance
Documents, each such document dated as of the date specified in this Omnibus
Instrument relating to the issuance by Hartford Life Global Funding Trust
20[-]-[-] (the "TRUST") of Hartford Life Global Funding Trust 20[-]-[-] Notes
(the "NOTES") with the terms specified in the Pricing Supplement attached to
this Omnibus Instrument as Exhibit A (the "Pricing Supplement") to investors
under Hartford Life's secured notes program;

     WHEREAS, the Trust will be organized under and its activities will be
governed by (i) the provisions of the Trust Agreement (set forth in Section A of
this Omnibus Instrument), dated as of [-], 20[-] (the "Formation Date") by and
between the parties thereto indicated in Section E herein, and (ii) the
certificate of trust of the Trust;

     WHEREAS, the Notes will be issued pursuant to the Indenture (set forth in
Section B of this Omnibus Instrument), dated as of [-], 20[-] (the "Issuance
Date"), by and between the parties thereto indicated in Section E herein;

     WHEREAS, the sale of the Notes will be governed by the Distribution
Agreement (set forth in Section C of this Omnibus Instrument), dated as of the
Formation Date, by and between the parties thereto indicated in Section E
herein; and

     WHEREAS, certain agreements relating to the Notes and the funding agreement
identified in the Pricing Supplement (the "Funding Agreement") are set forth in
the Coordination Agreement (set forth in Section D of this Omnibus Instrument),
dated as of the Formation Date, by and among the parties thereto indicated in
Section E herein.

     All capitalized terms used herein and not otherwise defined will have the
meanings set forth in the Indenture. This Omnibus Instrument is executed as of
the Formation Date.

     NOW, THEREFORE, in consideration of the agreements and obligations set
forth herein and for other good and valuable consideration, the sufficiency of
which is hereby acknowledged, each party hereby agrees as set forth herein.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

<Page>

                                    SECTION A

                                 TRUST AGREEMENT

     THIS TRUST AGREEMENT, dated as of the Formation Date, is entered into by
and among AMACAR Pacific Corp., a Delaware corporation, as administrator (in
such capacity, the "ADMINISTRATOR") and as trust beneficial owner (in such
capacity, the "TRUST BENEFICIAL OWNER") and Wilmington Trust Company, a Delaware
banking corporation, as Delaware trustee (the "DELAWARE TRUSTEE").

                                   WITNESSETH:

     WHEREAS, the Trust Beneficial Owner, the Administrator and the Delaware
Trustee desire to establish a statutory trust organized pursuant to the Delaware
Statutory Trust Act for the purpose of issuing Notes to investors which will be
secured, and payments with respect to which will be funded, solely by the assets
held in the Trust (as defined in this Omnibus Instrument), the proceeds of which
will be used to purchase the Funding Agreement;

     WHEREAS, the Trust Beneficial Owner, the Administrator and the Delaware
Trustee desire to authorize the issuance of a Trust Beneficial Interest and the
Notes in connection with the entry into this Trust Agreement and the Indenture;

     WHEREAS, all things necessary to make this Trust Agreement a valid and
legally binding agreement of the Trust Beneficial Owner, the Administrator and
the Delaware Trustee, enforceable in accordance with its terms, have been done;

     WHEREAS, the parties intend to provide for, among other things, (i) the
issuance and sale of the Notes (pursuant to the Indenture and the Distribution
Agreement) and the Trust Beneficial Interest, (ii) the use of the proceeds of
the sale of the Notes and Trust Beneficial Interest to acquire the Funding
Agreement and (iii) all other actions deemed necessary or desirable in
connection with the transactions contemplated by this Trust Agreement; and

     WHEREAS, the parties hereto desire to incorporate by reference those
certain Standard Trust Agreement Terms, filed as Exhibit 4.7 to the Registration
Statement dated July 27, 2004, filed with the Securities Exchange Commission by
Hartford Life (the "STANDARD TRUST AGREEMENT TERMS") and all capitalized terms
not otherwise defined in this Omnibus Instrument shall have the meaning set
forth in the Standard Trust Agreement Terms (the Standard Trust Agreement Terms
and this Trust Agreement, collectively, the "TRUST AGREEMENT").

     NOW, THEREFORE, in consideration of the agreements and obligations set
forth herein and for other good and valuable consideration, the sufficiency of
which is hereby acknowledged, each party hereby agrees as follows:

     PART 1. AGREEMENT TO BE BOUND. The Delaware Trustee, the Administrator and
the Trust Beneficial Owner each hereby agrees to be bound by all of the terms,
provisions and agreements set forth herein, with respect to all matters
contemplated herein, including, without limitation, those relating to the
issuance of the Notes.

     PART 2. INCORPORATION BY REFERENCE. All terms, provisions and agreements of
the Standard Trust Agreement Terms (except to the extent expressly modified
herein) are hereby incorporated herein by reference with the same force and
effect as though fully set forth herein. To the extent that the terms set forth
herein are inconsistent with the terms of the Standard Trust Agreement Terms,
the terms set forth herein shall apply.

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

                                        1
<Page>

     PART 3. NAME. The Trust created and governed by this Trust Agreement shall
be designated as indicated in this Omnibus Instrument, as such name may be
modified from time to time by the Delaware Trustee following written notice to
the Trust Beneficial Owner.

     PART 4. INITIAL CAPITAL CONTRIBUTION AND OWNERSHIP. The Trust Beneficial
Owner has paid to, or to an account at the direction of, the Delaware Trustee,
on the date hereof, the sum of $15 (or, if the Trust issues Notes at a discount,
the product of $15 and the issue price (expressed as a percentage of the
original principal amount of the Notes)). The Delaware Trustee hereby
acknowledges receipt in trust from the Trust Beneficial Owner, as of the date
hereof, of the foregoing contribution, which shall be used along with the
proceeds from the sale of the Notes to purchase the Funding Agreement. Upon the
creation of the Trust and the registration of the Trust Beneficial Interest in
the Securities Register by the Registrar (as defined in the Standard Trust
Agreement Terms) in the name of the Trust Beneficial Owner, the Trust Beneficial
Owner shall be the sole beneficial owner of the Trust.

     PART 5. ACKNOWLEDGMENT. The Delaware Trustee, on behalf of the Trust,
expressly acknowledges its duties and obligations set forth in Section 2.07 of
the Standard Trust Agreement Terms incorporated herein.

     PART 6. ADDITIONAL TERMS. None.

     PART 7. OMNIBUS INSTRUMENT; EXECUTION AND INCORPORATION OF TERMS. The
parties to this Trust Agreement will enter into this Trust Agreement by
executing the Omnibus Instrument. By executing the Omnibus Instrument, the
Delaware Trustee, the Trust Beneficial Owner and the Administrator hereby agree
that this Trust Agreement will constitute a legal, valid and binding agreement
between the Delaware Trustee, the Trust Beneficial Owner and the Administrator
as of the date specified in the Omnibus Instrument. All terms relating to the
Trust or the Notes not otherwise included in this Trust Agreement will be as
specified in the Omnibus Instrument or Pricing Supplement as indicated herein.

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

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                        2
<Page>

                                    SECTION B

                                    INDENTURE

     THIS INDENTURE, dated as of the Issuance Date, is entered into by and among
JPMorgan Chase Bank as indenture trustee, registrar, transfer agent, paying
agent and calculation agent (collectively, the "INDENTURE TRUSTEE") and the
Trust (as defined in this Omnibus Instrument).

                                   WITNESSETH:

     WHEREAS, the Trust has duly authorized the execution and delivery of this
Indenture to provide for the issuance of the Notes (as defined in this Omnibus
Instrument);

     WHEREAS, all things necessary to make this Indenture a valid and legally
binding agreement of the Trust and the other parties to this Indenture,
enforceable in accordance with its terms, have been done, and the Trust proposes
to do all things necessary to make the Notes, when executed and authenticated
and delivered pursuant hereto, valid and legally binding obligations of the
Trust as hereinafter provided; and

     WHEREAS, the parties hereto desire to incorporate by reference those
certain Standard Indenture Terms, filed as Exhibit 4.1 to the Registration
Statement dated July 27, 2004 filed with the Securities Exchange Commission by
Hartford Life (the "STANDARD INDENTURE TERMS") and all capitalized terms not
otherwise defined in this Omnibus Instrument shall have the meaning set forth in
the Standard Indenture Terms (the Standard Indenture Terms and this Indenture,
collectively, the "INDENTURE").

     NOW, THEREFORE, in consideration of the agreements and obligations set
forth herein and for other good and valuable consideration, the sufficiency of
which is hereby acknowledged, each party hereby agrees as follows:

     PART 1. AGREEMENT TO BE BOUND. The Trust and the Indenture Trustee each
hereby agrees to be bound by all of the terms, provisions and agreements set
forth herein, with respect to all matters contemplated herein, including,
without limitation, those relating to the issuance of the Notes.

     PART 2. INCORPORATION BY REFERENCE. All terms, provisions and agreements of
the Standard Indenture Terms (except to the extent expressly modified herein)
are hereby incorporated herein by reference with the same force and effect as
though fully set forth herein. To the extent that the terms set forth herein are
inconsistent with the terms of the Standard Indenture Terms, the terms set forth
herein shall apply.

     PART 3. DESIGNATION OF THE NOTES. The Notes issued pursuant to this
Indenture shall be designated as specified in this Omnibus Instrument.

     PART 4. ADDITIONAL TERMS. None.

     PART 5. OMNIBUS INSTRUMENT; EXECUTION AND INCORPORATION OF TERMS. The
parties to this Indenture will enter into this Indenture by executing the
Omnibus Instrument. By executing the Omnibus Instrument, the Trust and the
Indenture Trustee hereby agree that this Indenture will constitute a legal,
valid and binding agreement between the Trust and the Indenture Trustee as of
the date specified in the Omnibus Instrument. All terms relating to the Trust or
the Notes not otherwise included in this Indenture will be as specified in the
Omnibus Instrument or Pricing Supplement as indicated herein.

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

                                        3
<Page>

                                    SECTION C

                             DISTRIBUTION AGREEMENT

     THIS DISTRIBUTION AGREEMENT, dated as of the Formation Date, is entered
into by and among each Agent specified in the Pricing Supplement as Agent(s),
(each an "AGENT"), Hartford Life Insurance Company, a Connecticut insurance
company ("HARTFORD LIFE") and the Trust (as defined in this Omnibus Instrument).

                                   WITNESSETH:

     WHEREAS, the Trust has entered into the Indenture, dated as of the date
hereof, by and between the Trust and JPMorgan Chase Bank, as indenture trustee
(the "INDENTURE TRUSTEE") to provide for the issuance by the Trust of the Notes
(as defined in this Omnibus Instrument);

     WHEREAS, all things necessary to make this Distribution Agreement a valid
and legally binding agreement of the Trust and the other parties to this
Distribution Agreement, enforceable in accordance with its terms, have been
done, and the Trust proposes to do all things necessary to make the Notes, when
executed by the Trust and authenticated and delivered pursuant hereto and the
Indenture, valid and legally binding obligations of the Trust as hereinafter
provided; and

     WHEREAS, the parties hereto desire to incorporate by reference those
certain Standard Distribution Agreement Terms, filed as Exhibit 1.1 to the
Registration Statement dated July 27, 2004 filed with the Securities Exchange
Commission by Hartford Life (the "STANDARD DISTRIBUTION AGREEMENT TERMS") and
all capitalized terms not otherwise defined in this Omnibus Instrument shall
have the meaning set forth in the Standard Distribution Agreement Terms (the
Standard Distribution Agreement Terms and this Distribution Agreement,
collectively, the "DISTRIBUTION AGREEMENT").

     NOW, THEREFORE, in consideration of the agreements and obligations set
forth herein and for other good and valuable consideration, the sufficiency of
which is hereby acknowledged, each party hereby agrees as follows:

     PART 1. AGREEMENT TO BE BOUND. The Agent(s), Hartford Life and the Trust
each hereby agrees to be bound by all of the terms, provisions and agreements
set forth herein, with respect to all matters contemplated herein, including,
without limitation, those relating to the issuance of the Notes.

     PART 2. INCORPORATION BY REFERENCE. All terms, provisions and agreements of
the Standard Distribution Agreement Terms (except to the extent expressly
modified herein) are hereby incorporated herein by reference with the same force
and effect as though fully set forth herein. To the extent that the terms set
forth herein are inconsistent with the terms of the Standard Distribution
Agreement Terms, the terms set forth herein shall apply.

     PART 3. PURCHASE OF NOTES. The Agent(s) agree to purchase the Notes having
the terms set forth in the Pricing Supplement for the Notes.

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

                                        4
<Page>

     PART 4. DELIVERY OF OPINIONS. Pursuant to Sections 4.1, 4.2 and 4.5,
Hartford Life, the Trust and the Agent(s) have mutually agreed that the
opinions, negative assurances and/or comfort letter, if any, set forth in
Exhibit B to this Omnibus Instrument are required to be delivered on the
Issuance Date.

     PART 5. 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.

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

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                        5
<Page>

                                    SECTION D

                             COORDINATION AGREEMENT

     THIS COORDINATION AGREEMENT, dated as of the Formation Date, is entered
into by and among Hartford Life, the Trust and the Indenture Trustee.

                                   WITNESSETH:

     WHEREAS, the Trust will enter into the Funding Agreement with Hartford Life
dated as of the Issuance Date;

     WHEREAS, the Agent(s) have agreed to sell the Notes in accordance with the
Registration Statement; and

     WHEREAS, the Trust intends to issue the Notes in accordance with the
Indenture and to transfer the Funding Agreement to the Indenture Trustee in
accordance with the Indenture to secure payment of the Notes.

     NOW, THEREFORE, in consideration of the agreements and obligations set
forth herein and for other good and valuable consideration, the sufficiency of
which is hereby acknowledged, each party hereby agrees as follows:

     PART 1. AGREEMENT TO BE BOUND. Hartford Life, the Trust and the Indenture
Trustee each hereby agrees to be bound by all of the terms, provisions and
agreements set forth herein, with respect to all matters contemplated herein,
including, without limitation, those relating to the issuance of the Notes.

     PART 2. DELIVERY OF THE FUNDING AGREEMENT. The Trust hereby authorizes the
Indenture Trustee to receive the Funding Agreement from Hartford Life pursuant
to the Assignment of the Funding Agreement (the "Assignment"), to be entered
into on the Issuance Date, and included in the closing instrument dated as of
the Issuance Date (the "CLOSING INSTRUMENT").

     PART 3. ISSUANCE AND PURCHASE OF THE NOTES. Delivery of the Funding
Agreement to the Indenture Trustee pursuant to the Assignment of the Funding
Agreement shall be confirmation of payment by the Trust for the Funding
Agreement. The Trust hereby directs the Indenture Trustee, upon receipt of the
Funding Agreement pursuant to the Assignment, (a) to authenticate the Notes in
accordance with the Indenture and (b) to (i) deliver each relevant Note to the
clearing system or systems identified in each such Note, or to the nominee or
custodian of such clearing system, for credit to such accounts as the Agent(s)
may direct, or (ii) deliver each relevant Note to the purchasers thereof as
identified by the Agent(s).

     PART 4. DIRECTIONS REGARDING PERIODIC PAYMENTS. As registered owner of the
Funding Agreement as collateral securing payments on the Notes, the Indenture
Trustee will receive payments on the Funding Agreement on behalf of the Trust.
The Trust hereby directs the Indenture Trustee to use such funds to make
payments on behalf of the Trust pursuant to the Trust Agreement and the
Indenture.

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

     PART 6. ACKNOWLEDGEMENT OF PRIOR AGREEMENTS. The Trust hereby acknowledges,
agrees to and become a party to each of the Administrative Services Agreement,
the License Agreement, and the Expense and Indemnity Agreement related to the
Delaware Trustee. The Administrator hereby acknowledges the formation of the
Trust and affirms its obligations to provide services to the Trust as set forth
in the Administrative Services Agreement.

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

                                        6
<Page>

     PART 7. CERTIFICATES. Hartford Life and the Trust each hereby agree to
deliver, no more frequently than quarterly, such certificates as are reasonably
required by any rating agency then rating the program.

     PART 8. NO ADDITIONAL LIABILITY. Nothing in this agreement shall impose any
liability or obligation on the part of any party to this agreement to make any
payment or disbursement in addition to any liability or obligation such party
has under the Issuance Documents or any other agreements related to the Program,
except to the extent that a party has actually received funds which it is
obligated to disburse pursuant to this agreement.

     PART 9. NO CONFLICT. This Coordination Agreement is intended to be in
furtherance of the agreements reflected in the documents related to the Issuance
Documents, and not in conflict. To the extent that a provision of this
Coordination Agreement conflicts with the provisions of one or more Issuance
Documents, the provisions of such documents shall govern.

     PART 10. GOVERNING LAW. This agreement shall be governed by and construed
in accordance with the laws of the State of New York without regard to the
principles of conflicts of laws thereof.

     PART 11. SEVERABILITY. If any provision in this agreement shall be invalid,
illegal or unenforceable, such provisions shall be deemed severable from the
remaining provisions of this agreement and shall in no way affect the validity
or enforceability of such other provisions of this agreement.

     PART 12. OMNIBUS INSTRUMENT; EXECUTION AND INCORPORATION OF TERMS. The
parties to this Coordination Agreement will enter into this Coordination
Agreement by executing the Omnibus Instrument. By executing the Omnibus
Instrument, each party hereto agrees that this Coordination Agreement will
constitute a legal, valid and binding agreement by and among Hartford Life, the
Trust and the Indenture Trustee as of the Issuance Date. All terms relating to
the Trust or the Notes not otherwise included in this Coordination Agreement
will be as specified in the Omnibus Instrument or Pricing Supplement as
indicated in the Omnibus Instrument.

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

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                        7
<Page>

                                    SECTION E

                        MISCELLANEOUS AND EXECUTION PAGES

     Notwithstanding any other provisions of this Omnibus Instrument, no
amendment to this Omnibus Instrument may be made if such amendment would cause
the Trust not to be disregarded or treated as a grantor trust (assuming the
Trust were not disregarded) for U.S. federal income tax purposes.

     This Omnibus Instrument may be executed by each of the parties hereto in
any number of counterparts, and by each of the parties hereto on separate
counterparts, each of which counterparts, when so executed and delivered, shall
be deemed to be an original, but all such counterparts shall together constitute
but one and the same instrument. Facsimile signatures shall be deemed original
signatures.

     Each signatory, by its execution hereof, does hereby become a party to each
of the agreements identified for such party as of the date specified in such
agreements.

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

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                        8
<Page>

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

                                        HARTFORD LIFE INSURANCE COMPANY (in
                                        executing below agrees and becomes a
                                        party to (i) the Distribution Agreement
                                        set forth in Section C herein, and (ii)
                                        the Coordination Agreement set forth in
                                        Section D herein).

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

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

                                        9
<Page>

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

                                        HARTFORD LIFE GLOBAL FUNDING TRUST
                                        20[-]-[-] in executing below agrees and
                                        becomes a party to (i) the Indenture set
                                        forth in Section B herein, (ii) the
                                        Distribution Agreement set forth in
                                        Section C herein and (iii) the
                                        Coordination Agreement set forth in
                                        Section D herein).

                                        By: Wilmington Trust Company,  not in
                                        its individual capacity but solely as
                                        Delaware Trustee

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

                                        WILMINGTON TRUST COMPANY, in executing
                                        below agrees and becomes a party to the
                                        Trust Agreement set forth in Section A
                                        herein, not in its individual capacity
                                        but solely as Delaware Trustee.

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

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

                                       10
<Page>

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

                                        AMACAR PACIFIC CORP. in executing below
                                        agrees and becomes a party to (i) the
                                        Trust Agreement set forth in Section A
                                        herein in its capacity as Trust
                                        Beneficial Owner and Administrator and
                                        (ii) the Coordination Agreement set
                                        forth in Section D herein in its
                                        capacity as Administrator.

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

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

                                       11
<Page>

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

                                        JPMORGAN CHASE BANK in executing below
                                        agrees and becomes a party to (i) the
                                        Indenture set forth in Section B herein
                                        in its capacity as Indenture Trustee,
                                        Registrar, Transfer Agent, Paying Agent
                                        and Calculation Agent, and (ii) the
                                        Coordination Agreement, set forth in
                                        Section D herein in its capacity as
                                        Indenture Trustee.

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

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

                                       12
<Page>

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

                                        BEAR STEARNS & CO. INC. in executing
                                        below agrees and becomes a party to the
                                        Distribution Agreement set forth in
                                        Section C herein on behalf of itself and
                                        each of the agents named in the Pricing
                                        Supplement.

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

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

                                       13
<Page>

                                    EXHIBIT A

                               PRICING SUPPLEMENT

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

                                       14
<Page>

                                    EXHIBIT B

                          RATINGS; REQUIRED DELIVERIES

RATINGS:

In connection with Section 1.1.3 of the Distribution Agreement, the Program
under which the Notes are issued, as well as the Notes, are anticipated to be
rated [-] by Moody's and the Notes are rated [-] by S&P. In connection with
Section 1.3.10 of the Distribution Agreement, the Company's financial strength
rating is [-] by Moody's and [-] by S&P.

REQUIRED DELIVERIES:

Pursuant to Section 4.1, 4.2 and/or 4.5 of the Distribution Agreement the
following opinions, negative assurances and/or comfort letter are required to be
delivered on the Issuance Date (as defined in the Omnibus Instrument):

[-]

                                       15<Page>

                                                                    Exhibit 10.2

               FORM OF EXPENSE AND INDEMNITY AGREEMENT - JPMORGAN

-, 2004

Ms. Joanne Adamis, Vice President
JPMorgan Chase Bank
4 New York Plaza, 15th Floor
New York, New York 10004
Attention: Institutional Trust Services

Dear Ms. Adamis:

The Hartford Life Global Funding program (the "Program") is a program for the
issuance to the public from time to time, of one or more series of notes (each a
Series of "Notes") by newly created statutory trusts organized under the laws of
the State of Delaware (each a "Trust"). A separate Trust will be formed for the
issuance of each series of Notes, pursuant to a trust agreement, between
Wilmington Trust Company, as Delaware trustee (the "Delaware Trustee") and
Amacar Pacific Corporation, as administrator and Beneficial Holder (the "Trust
Agreement"). Each Trust shall enter into a separate indenture (each an
"Indenture") with JPMorgan Chase Bank, ("JPMorgan") as indenture trustee. Each
series of Notes are secured solely by assets held by the relevant Trust. The
proceeds from the sale of each series of Notes are to be used to purchase a
Funding Agreement issued to the relevant Trust by Hartford Life Insurance
Company, a Connecticut stock life insurance company ("Hartford Life"). Each
Trust shall be administered pursuant to an administrative services agreement
between the Delaware Trustee and Amacar Pacific Corporation, as administrator
(the "Administrator"), dated -, 2004, whereby the Administrator has agreed to
provide certain services of the Trust.

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

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

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

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

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

<Page>

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

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

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

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

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

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

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

     If by overnight delivery:              If by U.S. Mail:

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

     JPMorgan will (i) from time to time execute all such instruments and other
agreements in a form reasonably satisfactory to JPMorgan and take all such other
actions as Hartford Life may reasonably request, to

<Page>

protect any interest of Hartford Life with respect to any Obligation or to
enable Hartford Life to exercise or enforce any right, interest or remedy it may
have with respect to any such Obligation, and (ii) release to Hartford Life any
amount received from Hartford Life relating to any Obligation or any portion of
any Obligation, immediately after any such amount relating to such Obligation,
or any portion of any such Obligation, is otherwise received by JPMorgan from a
party other than Hartford Life.

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

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

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

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

<Page>

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

     8.   TRUST ANNUAL REPORTS. Hartford Life shall (i) file as an exhibit to
each Trust's Annual Reports on Form 10-K (each a "10-K"), filed under the
Securities Exchange Act of 1934, as amended, an annual funds application
statement completed by JPMorgan in the form attached to this Agreement as
Annex I and (ii) at Hartford Life's expense, cause a firm of independent
public accountants that is a member of the American Institute of Certified
Public Accountants to furnish to the management of Hartford Life and to the
Trustee a report (the "Auditor's Report") in the form attached to this
Agreement Terms as Annex II. The Auditor's Report shall be filed as an
exhibit to the Trust's 10-K(s).

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

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

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

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

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

                                        Very truly yours,

                                        HARTFORD LIFE INSURANCE COMPANY

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

AGREED:

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

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

<Page>

                                                         ANNEX I

                      ANNUAL FUNDS APPLICATION STATEMENT

I, __________________________, being a duly appointed officer of JPMorgan
           NAME
Chase Bank ("Indenture Trustee"), do hereby certify on behalf of the
Indenture Trustee, that:

    1.    I have reviewed and examined the application by the Indenture
Trustee, during the fiscal year ending [-]; of trust money collected by 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 upon my review and examination, to the best of my knowledge,
during such fiscal year, the trust money collected by 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, as Indenture Trustee

By:______________________________________
   Name:
   Title:

Date:____________________________________

<Page>

                                                         ANNEX II

                       INDEPENDENT ACCOUNTANT'S REPORT

To the Board of Directors of
Hartford Life Insurance Company

We have examined management's assertion that Hartford Life Global Funding
trusts (the Trusts) have complied as of and for the year ended [-] with its
established minimum servicing standards described in the accompanying
management assertion, dated [-]. Management is responsible for the compliance
with those minimum servicing standards. Our responsibility is to express an
opinion on management's assertion based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Trust's
compliance with its minimum servicing standards and performing such other
procedures as we considered necessary in the circumstances. We believe that
our examination provides a reasonable basis for our opinion. Our examination
does not provide a legal determination on the Trust's compliance with its
minimum servicing standards.

In our opinion, management's assertion that the Trusts complied with the
aforementioned minimum servicing standards as of and for the year ended [-]
is fairly stated, in all material respects based on criteria set forth in
Appendix 1.*

THIS REPORT MAY NOT BE INCLUDED, REFERENCED TO OR INCORPORATED BY REFERENCE
IN ANY PUBLIC FILINGS WITH THE SECURITIES AND EXCHANGE COMMISSION WITHOUT
PRIOR WRITTEN APPROVAL BY DELOITTE & TOUCHE LLP.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00069-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00069-of-00352.parquet"}]]