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Independent Auditors' Consent

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101938 of Hartford Life Insurance Company Separate Account
Two of our report dated February 19, 2003, relating to the financial
statements of Hartford Life Insurance Company, and of our report dated
February 21, 2003, relating to the financial statements of Hartford Life
Insurance Company Separate Account Two, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101939 of Hartford Life and Annuity Insurance Company
Separate Account One of our report dated March 26, 2003, relating to the
financial statements of Hartford Life and Annuity Insurance Company, and of
our report dated February 21, 2003, relating to the financial statements of
Hartford Life and Annuity Insurance Company Separate Account One, appearing
in the Statement of Additional Information, which is a part of such
Registration Statement, and to the reference to us under the heading
"Independent Public Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101940 of Hartford Life Insurance Company Separate Account
Ten of our report dated February 19, 2003, relating to the financial
statements of Hartford Life Insurance Company, and of our report dated
February 21, 2003, relating to the financial statements of Hartford Life
Insurance Company Separate Account Ten, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101941 of Hartford Life and Annuity Insurance Company
Separate Account Ten of our report dated March 26, 2003, relating to the
financial statements of Hartford Life and Annuity Insurance Company, and of
our report dated February 21, 2003, relating to the financial statements of
Hartford Life and Annuity Insurance Company Separate Account Ten, appearing
in the Statement of Additional Information, which is a part of such
Registration Statement, and to the reference to us under the heading
"Independent Public Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101942 of Hartford Life Insurance Company Separate Account
Seven of our report dated February 19, 2003, relating to the financial
statements of Hartford Life Insurance Company, and of our report dated
February 21, 2003, relating to the financial statements of Hartford Life
Insurance Company Separate Account Seven, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101943 of Hartford Life and Annuity Insurance Company Separate
Account Seven of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account Seven, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101944 of Hartford Life Insurance Company Separate Account Two
of our report dated February 19, 2003, relating to the financial statements of
Hartford Life Insurance Company, and of our report dated February 21, 2003,
relating to the financial statements of Hartford Life Insurance Company Separate
Account Two, appearing in the Statement of Additional Information, which is a
part of such Registration Statement, and to the reference to us under the
heading "Independent Public Accountants" in such Statement of Additional
Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101945 of Hartford Life and Annuity Insurance Company Separate
Account One of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account One, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101946 of Hartford Life Insurance Company Separate Account Ten
of our report dated February 19, 2003, relating to the financial statements of
Hartford Life Insurance Company, and of our report dated February 21, 2003,
relating to the financial statements of Hartford Life Insurance Company Separate
Account Ten, appearing in the Statement of Additional Information, which is a
part of such Registration Statement, and to the reference to us under the
heading "Independent Public Accountants" in such Statement of Additional
Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101947 of Hartford Life and Annuity Insurance Company Separate
Account Ten of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account Ten, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101948 of Hartford Life Insurance Company Separate Account
Seven of our report dated February 19, 2003, relating to the financial
statements of Hartford Life Insurance Company, and of our report dated
February 21, 2003, relating to the financial statements of Hartford Life
Insurance Company Separate Account Seven, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and to
the reference to us under the heading "Independent Public Accountants" in such
Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101949 of Hartford Life and Annuity Insurance Company Separate
Account Seven of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account Seven, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101950 of Hartford Life Insurance Company Separate Account Two
of our report dated February 19, 2003, relating to the financial statements of
Hartford Life Insurance Company, and of our report dated February 21, 2003,
relating to the financial statements of Hartford Life Insurance Company Separate
Account Two, appearing in the Statement of Additional Information, which is a
part of such Registration Statement, and to the reference to us under the
heading "Independent Public Accountants" in such Statement of Additional
Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-101951 of Hartford Life and Annuity Insurance Company Separate
Account One of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account One, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003

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