Document:

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 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 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, N.A. 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 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 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 Issuance
Date, by and between the Trust and JPMorgan Chase Bank, N.A., 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 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 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, the Indenture Trustee and the
Administrator.

                                   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, the Indenture
Trustee and the Administrator 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, 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 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, N.A. 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.

                                        [If the Notes are issued to retail
                                        investors under the Hartford Life
                                        IncomeNotes(SM) program:

                                        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.]

                                        [If the Notes are issued to
                                        institutional investors under the
                                        Hartford Life Secured Medium-Term Notes
                                        program:

                                        ____________ in executing below agrees
                                        and becomes a party to the Distribution
                                        Agreement set forth in Section C
                                        herein.]

                                        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):
[-]

                                       15Exhibit 10.1

              FORM OF EXPENSE AND INDEMNITY AGREEMENT - WILMINGTON

                                     -, 2005

Wilmington Trust Company
Rodney Square North
1100 North Market Street
Wilmington, DE 19890

Ladies and Gentlemen:

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 ("Wilmington") and Amacar Pacific
Corporation, as administrator and Beneficial Holder (the "Trust Agreement").
Each Trust shall enter into an indenture (an "Indenture") with JPMorgan Chase
Bank, N.A., as indenture trustee (the "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 one or more Funding
Agreements 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 Trust
and Amacar Pacific Corporation, as administrator (the "Administrator"), dated -,
2005, whereby the Administrator has agreed to provide certain services of each
such Trust.

     In consideration of Wilmington providing services to the Trusts in
connection with the Program and pursuant to the Issuance Documents under which
Wilmington 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 the Trust to the extent that such obligation or
expense has actually been paid utilizing funds available to the 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 resulting from or relating to any insurance regulatory or other
governmental authority asserting that: (a) the Notes are, or are deemed to be,
(1) participations in one or more Funding Agreements or (2) contracts of
insurance, or (b) the offer, purchase, sale and/or transfer of the Notes and/or
assignment of the Funding Agreements (1) constitute the conduct of the business
of insurance or reinsurance in any jurisdiction or (2) requires a Trust or any
Holder to be licensed as an insurer, insurance agent or broker in any
jurisdiction, (iv) any cost, loss, damage, claim, action, suit, expense,
disbursement, tax, penalty or liability of any kind or nature whatsoever imposed
on Wilmington or any Trust that results from the bad faith or gross negligence
of Wilmington, (v) any costs and expenses attributable solely to Wilmington's
administrative overhead, (vi) any tax imposed on fees paid to Wilmington, (vii)
any withholding taxes imposed on or with respect of payments made under any
Funding Agreement, an Indenture or any Note and (viii) any Additional Amounts
paid to any Holder; provided, however, with respect to Obligations due to
Wilmington, Excluded Amounts shall include only clauses (i), (ii), (iv), (v),
and (vi).

     "FEES" mean the fees set forth in the fee schedule attached hereto as
EXHIBIT A or in any separate fee agreement between Hartford Life and Wilmington.

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

<Page>

     "OBLIGATION" means any and all Reasonable Costs and Expenses incurred, by
Wilmington or a Trust, relating to the offering, sale and issuance of the Notes
by a Trust, (i) including the reasonable fees and expenses of counsel and (ii)
costs, expenses and taxes of any Trust; provided that Obligations do not include
Excluded Amounts or Fees.

     "REASONABLE COSTS AND EXPENSES" are limited to (i) all reasonable expenses
actually and reasonably incurred by Wilmington or a Trust 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 and (ii) any extraordinary
cost or expense actually incurred by Wilmington or a Trust that was not
reasonably anticipated by Wilmington or which was not reasonably avoidable;
provided that Wilmington will give Hartford Life prompt notice of any such
extraordinary cost or expense.

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

     2.   FEES. Hartford Life hereby agrees to pay Wilmington its Fees. In the
event of a substantive change in the nature of Wilmington's duties, acceptable
to the parties, the parties mutually agree to negotiate an equitable adjustment
to Wilmington's Fees.

     3.   PARTIAL REFUND. If Wilmington's appointment as Delaware Trustee is
revoked under Section 9.02(c) of the Trust Agreement, Wilmington will repay to
Hartford Life such part of any fee paid to it as may be agreed between
Wilmington and Hartford Life.

     4.   PAYMENT OF OBLIGATIONS. If Wilmington or a Trust delivers written
notice and evidence, reasonably satisfactory to Hartford Life, of any Obligation
of Wilmington or the Trust, 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 Hartford Life shall hereafter furnish in writing:

<Table>
<Caption>
     IF BY OVERNIGHT DELIVERY:                   IF BY U.S. MAIL:
     <S>                                         <C>
     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 Products     Attn.: Institutional Investment Products
     Telephone: (860) 843-9477
     Telecopier: (860) 843-5775
</Table>

     Wilmington or a Trust, as appropriate, will (i) from time to time execute
all such instruments and other agreements and take all such other actions as may
be necessary or desirable, or that Hartford Life may reasonably request, to
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 Wilmington or
the Trust from a party other than Hartford Life.

     Hartford Life, each Trust and Wilmington 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. To the fullest extent permitted by law and
notwithstanding anything to the contrary, Hartford Life hereby agrees to assume
liability for and hereby indemnifies, protects, saves and keeps harmless each
Trust adopting this agreement, Wilmington, and its officers, directors,
successors, assigns, legal representatives, agents and servants (each an
"Indemnified Person"), from and against any and all liabilities, obligations,
losses, damages,

<Page>

penalties, taxes, claims, suits, actions, investigations, proceedings, costs,
expenses or disbursements (including reasonable legal fees and expenses) of any
kind and nature whatsoever which may be imposed on, incurred by or asserted at
any time against an Indemnified Person in any way relating to or arising out of
the Trust Agreement or any other Issuance Document or the enforcement of any of
the terms thereof, the administration of a Trust and its property or the action
or inaction of Wilmington (in its capacity as Delaware Trustee) under the
applicable Trust Agreement. The preceding sentence does not apply to the extent
that any such liabilities, obligations, losses, damages, penalties, taxes,
claims, suits, actions, investigations, proceedings, costs, expenses and
disbursements (i) are the result of any of the matters described in clauses (i),
(ii), or (iii) of the third sentence of SECTION 6.04 of the Standard Trust
Agreement Terms or (ii) relate to (a) any costs and expenses attributable solely
to the Wilmington's administrative overhead or (b) any tax imposed on the Fees
paid to Wilmington. This paragraph applies whether or not any of the
transactions contemplated by a Trust Agreement will be consummated.

     The indemnification provided for herein (i) supersedes in all respects any
indemnification provision contained in any other Issuance Document or any other
agreement relating to the Program to which a Trust and Wilmington are or become
parties and (ii) shall survive the resignation or removal of Wilmington as
Delaware Trustee and the termination of each Trust Agreement.

     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. 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, 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. 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 or (iii) such action, investigation or proceeding
involves the imposition of criminal liability or sanctions. 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 Wilmington.

     7.   ENFORCEABILITY OF INDEMNIFICATION. If the indemnification provided
for herein is invalid or unenforceable in accordance with its terms, then
Hartford Life shall contribute to the amount paid or payable by an Indemnified
Person as a result of such liability in such proportion as is appropriate to
reflect the relative benefits received by Hartford Life and a Trust (if the
Trust is not an Indemnified Person), on one hand, and Wilmington or a Trust (if
the Trust is an Indemnified Person) on the other hand, from the transactions
contemplated by the Issuance Documents. For this purpose, the benefits received
by Hartford Life or a Trust (if applicable) shall be the aggregate value of the
relevant Collateral, and the benefits received by Wilmington shall be the fees
it has been paid up to that point, less unreimbursed expenses incurred by it in
relation to such Collateral, and the benefits received by the Trust (if
applicable) shall be determined by the Administrator (unless the Administrator
is an Indemnified Party) and Hartford Life. If, however, the allocation provided
by the immediately preceding two sentences is not permitted by applicable law,
then Hartford Life shall contribute to such amount paid or payable by the
Indemnified Person in such proportion as is appropriate to reflect not only such
relative benefits but also the relative fault of Hartford Life and the Trust (if
applicable), on the one hand, and Wilmington or the Trust (if applicable) on the
other hand, in connection with the actions or omissions which resulted in such
liability, as well as any other relevant equitable considerations.

     8.   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. The obligations of Hartford Life, as indemnitor under
this agreement to any Indemnified Person shall survive the termination of each
of the Issuance Documents.

<Page>

     9.   SCOPE OF AGREEMENT. This agreement, with respect to Wilmington, both
in its individual capacity and as Delaware Trustee, applies to all Trusts formed
in connection with the Program. This agreement shall apply to each Trust upon
the adoption of this agreement by such Trust using a form substantially
equivalent to that in Annex I.

     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 New York, without regard to conflicts of laws
principles.

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

                                           Very truly yours,

                                           HARTFORD LIFE INSURANCE COMPANY

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

AGREED AND ACCEPTED:

WILMINGTON TRUST COMPANY, IN ITS
INDIVIDUAL CAPACITY AND NOT AS TRUSTEE
OF EACH TRUST

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

<Page>

                                                                         ANNEX I

                   ADOPTION OF EXPENSE AND INDEMNITY AGREEMENT

By the signature of its trustee below, the Hartford Life Global Funding Trust
[200---] (the "Trust") hereby adopts and agrees to be bound by the Expense and
Indemnity Agreement dated as of -, 2005 between Hartford Life Insurance Company
and Wilmington Trust Company (the "Agreement"). By its signature below, Hartford
Life agrees to the Trust's adoption of the Agreement and agrees to provide to
the Trust the indemnities and other payments specified therein.

AGREED AND ACCEPTED:

HARTFORD LIFE GLOBAL FUNDING TRUST [200---]   HARTFORD LIFE INSURANCE COMPANY

BY: WILMINGTON TRUST COMPANY, NOT IN
ITS INDIVIDUAL CAPACITY, BUT SOLELY
AS DELAWARE TRUSTEE

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

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