Document:

Exhibit 4.9

                        ADMINISTRATIVE SERVICES AGREEMENT

                                 BY AND BETWEEN

                            WILMINGTON TRUST COMPANY,
     AS DELAWARE TRUSTEE OF ONE OR MORE HARTFORD LIFE GLOBAL FUNDING TRUSTS

                                       AND

                              AMACAR PACIFIC CORP.,
                                AS ADMINISTRATOR

                               DATED AS OF -, 2005

<Page>

                                TABLE OF CONTENTS

<Table>
<Caption>
                                                                                     PAGE
                                                                                     ----
<S>             <C>                                                                   <C>
Section 1.      Definitions                                                            1

Section 2.      Administrative Services; Consultations with the Trust                  1

Section 3.      Activities of the Trust; Employees; Offices                            4

Section 4.      Compensation; Indemnities                                              5

Section 5.      Term                                                                   5

Section 6.      Obligation to Supply Information                                       6

Section 7.      The Administrator's Liability, Standard of Care                        6

Section 8.      Limited Recourse to Trust                                              6

Section 9.      No Recourse                                                            6

Section 10.     Reliance on Information Obtained from Third Parties                    7

Section 11.     Tax Returns                                                            7

Section 12.     Notices                                                                7

Section 13.     Amendment                                                              8

Section 14.     No Joint Venture                                                       8

Section 15.     Assignment                                                             8

Section 16.     GOVERNING LAW, CONSENT TO JURISDICTION; WAIVER OF JURY TRIAL           9

Section 17.     Trust Tax Characterization                                            10

Section 18.     Limitation of Delaware Trustee Liability                              10

Section 19.     Section Headings                                                      10

Section 20.     Nonpetition Covenant                                                  11

Section 21.     Severability                                                          11

Section 22.     Administrator to Provide Access to Books and Records                  11

Section 23.     No Waiver                                                             11

Section 24.     Remedies Cumulative                                                   11

Section 25.     Third Party Beneficiaries                                             11
</Table>

                                        i
<Page>

          THIS ADMINISTRATIVE SERVICES AGREEMENT ("AGREEMENT") dated as of -, is
entered into between WILMINGTON TRUST COMPANY, a Delaware banking corporation,
not in its individual capacity but solely on behalf of certain Hartford Life
Global Funding Trusts, each to be a statutory trust organized under the laws of
the State of Delaware (each a "TRUST"), formed from time to time under the
Program, and AMACAR PACIFIC CORP., as administrator (in such capacity, the
"ADMINISTRATOR").

                               W I T N E S S E T H

          WHEREAS, Wilmington Trust Company, a Delaware banking corporation, as
Delaware trustee and AMACAR Pacific Corp., a Delaware corporation, as trust
beneficial owner, will create certain Hartford Life Global Funding Trusts from
time to time in connection with the issuance of the Notes pursuant to the
Program;

          WHEREAS, the Delaware Trustee has requested, on behalf of each Trust,
and each Trust will request, pursuant to the applicable Trust Agreement of such
Trust, that the Administrator perform various services for such Trust; and

          WHEREAS, each Trust will desire, as stated in the applicable Trust
Agreement of such Trust, to avail itself of the experience and assistance of the
Administrator and to have the Administrator perform various financial,
statistical, accounting and other services for such Trust, and each Trust will
request that the Administrator provide assistance to such Trust and perform
various administrative services for such Trust and the Administrator is willing
to furnish such services on the terms and conditions herein set forth.

          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:

          NOW THEREFORE, the parties hereto, intending to be legally bound and
in consideration of the premises and the mutual covenants herein contained,
agree as follows:

          Section 1.   DEFINITIONS.

          With respect to each Trust, all capitalized terms used herein and not
otherwise defined will have the meanings set forth in the relevant Indenture,
dated as of the Issuance Date (as defined in the relevant Omnibus Agreement of
such Trust) by and between such Trust and JPMorgan Chase Bank, N.A., as
indenture trustee (the "INDENTURE").

          Section 2.   ADMINISTRATIVE SERVICES; CONSULTATIONS WITH THE TRUST.

          Each Trust hereby authorizes and empowers the Administrator, as its
agent, to perform, and the Administrator hereby agrees to perform, the following
services:

<Page>

          (a)   Subject to the timely receipt of all necessary information,
requests, notices or directions, as the case may be, providing, or causing to be
provided, all clerical, and bookkeeping services necessary and appropriate for
the Trust, including, without limitation, the following services as well as
those other services specified in the following subsections:

                (1)    maintenance of all books and records of the Trust
                       relating to the fees, costs and expenses of the Trust,
                       which books and records shall be maintained separately
                       from those of the Administrator and any other trust
                       established under the Program;

                (2)    maintenance of records of cash payments and disbursements
                       (excluding principal and interest on the Funding
                       Agreement) of the Trust in accordance with generally
                       accepted accounting principles, as determined in
                       consultation with the accountants for the Trust, and
                       preparation for audit of such periodic financial
                       statements as may be necessary or appropriate;

                (3)    upon request, preparation for execution by the Trust,
                       through a Responsible Officer, of amendments to and
                       waivers under the Issuance Documents related to such
                       Trust and any other documents or instruments deliverable
                       by the Trust thereunder or in connection therewith
                       (collectively, the "OPERATIVE DOCUMENTS");

                (4)    holding, maintaining, and preserving executed copies of
                       the Operative Documents, which shall be maintained
                       separately from those of the Administrator and any other
                       trust established under the Program;

                (5)    upon receipt of notice, taking such action as may be
                       reasonably necessary to enforce the performance by the
                       parties other than the Trust to the Operative Documents,
                       and enforce the obligations of those parties to the Trust
                       under such agreements;

                (6)    upon request, preparing for a signature by a Responsible
                       Officer such notices, consents, instructions and other
                       communications that the Trust may from time to time be
                       required or permitted to give under the Operative
                       Documents;

                (7)    execute, on behalf of the Trust, subject to proper
                       direction and based upon the advice of counsel, the
                       Distribution Agreement presented to it in its final form,
                       or (i) any amendment or other modification of such
                       agreement or (ii) any notices, consents, instructions,
                       waivers or other instruments pertaining to or ancillary
                       to such agreements;

                (8)    execute, on behalf of the Trust, subject to proper
                       direction and based upon the advice of counsel, the
                       License Agreement presented to it in its final form,
                       subject to proper direction, or any

                                        2
<Page>

                       amendment, modification, notices, consents, waivers or
                       other instruments pertaining to or ancillary to such
                       agreement;

                (9)    obtaining services of outside counsel, accountants and/or
                       other service providers on behalf of the Trust;

                (10)   preparing for a signature by a Responsible Officer any
                       Trust Order for payment of any amounts due and owing by
                       the Trust under the Operative Documents; PROVIDED THAT
                       the foregoing shall not obligate the Administrator to
                       advance any of its own monies for such purpose, it being
                       understood that such amounts shall be payable only to the
                       extent assets of the Trust are available therefor and at
                       such times and in such amounts as shall be permitted by
                       the Operative Documents;

                (11)   preparing for a signature by a Responsible Officer any
                       Trust Order for payment of any amounts due and owing by
                       the Trust to the Indenture Trustee, the Paying Agent, the
                       Registrar and other agents on request for all expenses,
                       disbursements and advances to the extent not paid
                       pursuant to the Expense and Indemnity Agreements;
                       PROVIDED THAT the foregoing shall not obligate the
                       Administrator to advance any of its own monies for such
                       purpose, it being understood that such amounts shall be
                       payable only to the extent assets of the Trust are
                       available therefor and at such times and in such amounts
                       as shall be permitted by the Issuance Documents; and

                (12)   taking such other actions as may be incidental or
                       reasonably necessary (i) to the accomplishment of the
                       actions of the Administrator authorized in this
                       subsection (a) or (ii) upon receipt of notice from a
                       Responsible Officer directing specifically the
                       Administrator to do so, to the accomplishment of the
                       duties and responsibilities, and compliance with the
                       obligations, of the Trust under the Operative Documents
                       to the extent not otherwise performed by the Indenture
                       Trustee, Delaware Trustee, Paying Agent, Transfer Agent
                       or Registrar, PROVIDED, THAT no such duties or
                       responsibilities shall materially enlarge the duties and
                       responsibilities of the Administrator which are set forth
                       specifically in this Administrative Services Agreement.

          (b)   Upon the issuance of the Notes of a Trust, directing the
Indenture Trustee (to the extent permitted in the Indenture) to pay the costs
and expenses of such Trust relating to such Notes to the extent not paid
pursuant to the Expense and Indemnity Agreements.

          (c)   Subject to the timely receipt of all necessary information or
notices from the Delaware Trustee, and based upon the advice of counsel, on
behalf of each Trust, (i) filing with the Commission and executing, in each case
solely on behalf of the Trust and not in the

                                        3
<Page>

Administrator's individual capacity, such documents, forms or filings as may be
required by the Securities Act, the Securities Exchange Act, the Trust Indenture
Act, or other securities laws in each case relating to the Notes; (ii) the
preparation and filing of any documents or forms required to be filed by any
rules or regulations of any securities exchange, including without limitation,
the New York Stock Exchange, or market quotation dealer system or the National
Association of Securities Dealers, Inc. in connection with the listing of the
Notes thereon; (iii) filing and executing solely on behalf of each Trust and not
in the Administrator's individual capacity, such filings, applications, reports,
surety bonds, irrevocable consents, appointments of attorney for service of
process and other papers and documents as may be necessary or desirable to
register, or establish the exemption from registration of, the Notes under the
securities or "Blue Sky" laws of any relevant jurisdictions; and (iv) executing
and delivering, solely on behalf of each Trust and not in the Administrator's
individual capacity, letters or documents to, or instruments for filing with, a
depositary relating to the Notes; and

          (d)   Undertaking such other administrative services as may be
required under the circumstances or reasonably requested by the Delaware
Trustee, including (i) causing the preparation by a Trust of any prospectus,
prospectus supplement, pricing supplement, registration statement, amendments,
including any exhibits and schedules thereto, any reports or other filings or
documents, including certifications, or supplements thereto or (ii) securing and
maintaining the listing of the Notes on any securities exchange or complying
with the securities or "Blue Sky" laws of any relevant jurisdictions, in
connection with the performance by a Trust of its obligations under the
Operative Documents or any other document executed thereunder or in connection
therewith.

          (e)   In connection with the establishment of each Trust, the
Administrator shall purchase from such Trust the Trust Beneficial Interest in
such Trust in accordance with the relevant Trust Agreement and the Administrator
shall be the sole Trust Beneficial Owner in accordance with the relevant Trust
Agreement.

          Any of the above services (other than those described in SECTIONS 2(c)
and 2(d)) may, if the Administrator or the relevant Trust deems it necessary or
desirable, be subcontracted by the Administrator; PROVIDED THAT notice is given
to the relevant Trust of such subcontract and, notwithstanding such subcontract,
the Administrator shall remain responsible for performance of the services set
forth above unless such services are subcontracted to accountants or legal
counsel selected with due care by the Administrator and reasonably satisfactory
to the relevant Trust and in which case the Administrator shall not remain
responsible for the performance of such services and the Administrator shall
not, in any event, be responsible for the costs, fees or expenses in connection
therewith.

          Section 3.   ACTIVITIES OF THE TRUST; EMPLOYEES; OFFICES.

          The Administrator agrees to carry out and perform the administrative
activities (as set forth in SECTION 2 hereof) of each Trust in the name and on
behalf of each such Trust as its agent.

          All services to be furnished by the Administrator under this
Administrative Services Agreement may be furnished by an officer or employee of
the Administrator, an officer

                                        4
<Page>

or employee of any affiliate of the Administrator, or any other person or agent
designated or retained by it; PROVIDED THAT the Administrator shall remain
ultimately responsible for the provision of such services by an officer or
employee of the Administrator or any of its affiliates or any other person or
agent designated or retained by it, unless selected with due care and reasonably
satisfactory to the relevant Trust in accordance with the last paragraph of
SECTION 2. No director, officer or employee of the Administrator or any
affiliate of the Administrator shall receive from any Trust a salary or other
compensation.

          The Administrator agrees to provide its own office space, together
with appropriate materials and any necessary support personnel, for the day to
day activities (as set forth in SECTION 2 hereof) of each Trust to be carried
out and performed by the Administrator, all for the compensation provided in
SECTION 4 hereof. All services to be furnished by the Administrator under this
Administrative Services Agreement shall be performed only from the
Administrator's office in North Carolina.

          Section 4.   COMPENSATION; INDEMNITIES.

          The Administrator will be entitled to payment of fees, reimbursement
for, and indemnification with respect to, costs and expenses for services
rendered hereunder to the extent provided in the applicable Expense and
Indemnity Agreement with Hartford Life and the Administrator will not be
entitled to seek any payment from any Trust with respect to its services
hereunder.

          Section 5.   TERM.

          The Administrator may terminate this Administrative Services Agreement
upon at least 30 days' written notice to each Trust and Hartford Life and any
Trust may terminate this Administrative Services Agreement, only with regard to
itself, upon at least 30 days' notice to the Administrator (copies of any notice
of termination shall also be sent to the Indenture Trustee). Such termination
will not become effective until (i) the relevant Trust, as directed by Hartford
Life, appoints a successor Administrator, (ii) the successor Administrator
accepts such appointment, (iii) the Administrator or Hartford Life gives notice
to the relevant Trust of the identity and necessary notice information of the
successor Administrator, and (iv) the Administrator has obtained the prior
written confirmation of any Rating Agency that such action will not result in a
reduction or withdrawal of its then current ratings, if any, of the Program
and/or the Notes of such Trust, as applicable. Upon such notice, (x) the
Administrator, in its capacity as Trust Beneficial Owner, shall arrange for the
transfer of each Trust Beneficial Interest purchased by it in accordance with
the Trust Agreement to the successor Administrator (or to such other Person as
specified by the relevant Trust) with such transfer(s) to become effective upon
the satisfaction of the conditions set forth in clause (i), (ii), (iii) and (iv)
of the immediately preceding sentence and (y) the Administrator shall be paid
all accrued and unpaid amounts owed to the Administrator under its Expense and
Indemnity Agreement with Hartford Life.

                                        5
<Page>

          Section 6.   OBLIGATION TO SUPPLY INFORMATION.

          A Trust shall forward to the Administrator such information (which is
in the possession of such Trust or the Delaware Trustee) in connection with the
Issuance Documents and this Administrative Services Agreement as the
Administrator may from time to time reasonably request in connection with the
performance of its obligations hereunder. The Administrator will (i) hold and
safely maintain all records, files, Issuance Documents and other material of
each Trust and (ii) permit any Trust (only with respect to the relevant
documents relating to such Trust), the Delaware Trustee, and each of their
respective officers, directors, agents and consultants, on reasonable notice at
any time and from time to time during normal business hours, to inspect, audit,
check and make abstracts from the accounts, records, correspondence, documents
and other materials of a Trust or relating to the provision of services and
facilities under this Administrative Services Agreement.

          Section 7.   THE ADMINISTRATOR'S LIABILITY, STANDARD OF CARE.

          The Administrator assumes no liability for anything other than the
services rendered by it pursuant to SECTIONS 2, 3 AND 11 hereof and neither the
Administrator nor any of its directors, officers, employees or affiliates shall
be responsible for any action, failure to act or omission of any Trust, the
Delaware Trustee or the officers or employees thereof taken outside the scope of
SECTIONS 2, 3 AND 11 hereof and without direction from the Administrator.
Without limiting the generality of the foregoing, it is agreed that the
Administrator assumes no liability with respect to any Trust's obligations under
the Operative Documents.

          The Administrator shall not perform, endeavor to perform or agree to
perform any act on behalf of a Trust not specifically required or permitted
under the Operative Documents.

          The Administrator shall perform its duties hereunder diligently, in
conformity with each Trust's respective obligations under the relevant Operative
Documents and applicable laws and regulations and in accordance with the same
standard of care exercised by a prudent person in connection with the
performance of the same or similar duties and, in no event with less care than
the Administrator exercises or would exercise in connection with the same or
similar obligations if those obligations were the direct obligations of the
Administrator.

          Section 8.   LIMITED RECOURSE TO TRUST.

          Notwithstanding any provision to the contrary contained herein, all
obligations of each Trust hereunder shall be payable by such Trust only on a
payment date of the Notes and only to the extent of funds available therefor
under the Indenture and, to the extent such funds are not available or are
insufficient for the payment thereof, shall not constitute a claim against such
Trust to the extent of such unavailability or insufficiency until such time as
the Collateral held in such Trust has produced proceeds sufficient to pay such
prior deficiency. This SECTION 8 shall survive the termination of this
Administrative Services Agreement.

          Section 9.   NO RECOURSE.

          The obligations of each Trust hereunder are solely the obligations of
such Trust and no recourse shall be had with respect to this Administrative
Services Agreement or any of

                                        6
<Page>

the obligations of such Trust hereunder or for the payment of any fee or other
amount payable hereunder or for any claim based on, arising out of or relating
to any provision of this Administrative Services Agreement against any trustee,
employee, settlor, affiliate, agent or servant of such Trust or any other Trust
formed under the Program. This SECTION 9 shall survive the termination of this
Administrative Services Agreement.

          Section 10.  RELIANCE ON INFORMATION OBTAINED FROM THIRD PARTIES.

          Each Trust recognizes that the accuracy and completeness of the
records maintained and the information supplied by the Administrator hereunder
is dependent upon the accuracy and completeness of the information obtained by
the Administrator from the parties to the Issuance Documents and other sources
and agrees that the Administrator shall not be responsible for any inaccurate or
incomplete information so obtained or for any inaccurate or incomplete records
maintained by the Administrator hereunder that may result therefrom. The
Administrator shall have no duty to investigate the accuracy or completeness of
any information provided to it and shall be entitled to fully rely on all such
information provided to it.

          Section 11.  TAX RETURNS.

          The Administrator shall, or shall cause accountants retained by it, to
prepare and file, consistent with the tax treatment of each Trust described in
SECTION 17, all United States federal, state and local income tax and
information returns and reports required to be filed with respect to each Trust
and such Trust's Notes under any applicable federal, state or local tax statute
or any rule or regulation under any of them. The Administrator shall keep copies
of or cause copies to be kept of any such tax information returns and reports
prepared and filed and shall provide a copy of each such return and report to
the Delaware Trustee.

          Section 12.  NOTICES.

          All notices, demands, instructions and other communications required
or permitted to be given to or made upon either party hereto shall be in writing
(including by facsimile transmission) and shall be personally delivered or sent
by guaranteed overnight delivery, by facsimile transmission (to be followed by
personal or guaranteed overnight delivery) or by other mutually acceptable
electronic transmission, and shall be deemed to be given for purposes of this
Administrative Services Agreement on the day that such writing is received by
the intended recipient thereof in accordance with the provisions of this SECTION
12. Unless otherwise specified in a notice sent or delivered in accordance with
the foregoing provisions of this Section, notices, demands, instructions and
other communications in writing shall be given to or made upon the respective
parties thereto at their respective addresses (or their respective telecopy
numbers) indicated below:

          Any Trust:

          Hartford Life Global Funding Trust
          (followed by the applicable number of such Trust)
          c/o Wilmington Trust Company
          Rodney Square North
          1100 North Market Street

                                        7
<Page>

          Wilmington, Delaware 19890
          Attention: Corporate Trust Administration
          Facsimile: (302) 636-4140

          The Administrator:

          AMACAR Pacific Corp.
          6525 Morrison Boulevard, Suite 318
          Charlotte, North Carolina 28211
          Attention: Douglas K. Johnson
          Facsimile: (704) 365-1632

          with a copy to:

          Tannenbaum Helpern Syracuse & Hirschtritt LLP
          900 3rd Avenue
          New York, NY 10022
          Attention: Stephen Rosenberg

          Section 13.  AMENDMENT.

          No waiver, alteration, modification, amendment or supplement of the
terms of this Administrative Services Agreement shall be effective unless (i)
accomplished by written instrument signed by the Administrator and the relevant
Trust(s) effected by such amendment, (ii) at any time after the issuance of any
Trust Securities of any Trust and for so long as any Trust Securities of any
Trust remain outstanding, each Rating Agency has confirmed in writing that such
action will not result in reduction or withdrawal of its then current ratings,
if any, of the Program and/or the Notes of any Trust then outstanding, as
applicable and (iii) if such waiver, alteration, modification, amendment or
supplement affects the rights or duties of the Delaware Trustee hereunder, the
Delaware Trustee has given its consent to such waiver, alteration, modification,
amendment or supplement. Each relevant Trust shall provide each Rating Agency
with a copy of each such waiver, alteration, modification, amendment or
supplement. Notwithstanding anything in this SECTION 13 to the contrary, no
waiver, alteration, modification, amendment or supplement to the terms of this
Administrative Services Agreement shall be effective without the prior written
consent of Hartford Life.

          Section 14.  NO JOINT VENTURE.

          Nothing contained in this Administrative Services Agreement shall
constitute any Trust (including any combination of Trusts) and the Administrator
as members of any partnership, joint venture, association, syndicate or
unincorporated business.

          Section 15.  ASSIGNMENT.

          Except as set forth in this SECTION 15, and subject to the rights of
the Administrator to subcontract pursuant to SECTION 2 hereof, this
Administrative Services Agreement may not be assigned by the Administrator or
any Trust without (i) the prior written

                                        8
<Page>

consent of the Administrator (in the case of assignment by a Trust) or each
Trust (in the case of assignment by the Administrator) and (ii) the prior
written confirmation of each Rating Agency that such action will not result in a
reduction or withdrawal of its then current ratings, if any, of the Program
and/or the Notes of any Trust, as applicable. Subject to the foregoing, this
Administrative Services Agreement shall be binding upon and inure to the benefit
of the parties hereto and their respective successors and assigns. Any party's
transfer or assignment in violation of this SECTION 15 shall be void as to the
other parties.

          Section 16.  GOVERNING LAW, CONSENT TO JURISDICTION; WAIVER OF JURY
TRIAL.

          PURSUANT TO SECTION 5-1401 OF THE GENERAL OBLIGATION LAWS OF THE STATE
OF NEW YORK, THIS ADMINISTRATIVE SERVICES AGREEMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK. EACH PARTY
HERETO HEREBY SUBMITS TO THE NONEXCLUSIVE JURISDICTION OF THE UNITED STATES
DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK AND OF ANY NEW YORK STATE
COURT SITTING IN NEW YORK CITY FOR PURPOSES OF ALL LEGAL PROCEEDING ARISING OUT
OF OR RELATING TO THIS ADMINISTRATIVE SERVICES AGREEMENT OR THE TRANSACTIONS
CONTEMPLATED HEREBY. EACH PARTY HERETO IRREVOCABLY WAIVES, TO THE FULLEST EXTENT
PERMITTED BY LAW, ANY OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING
OF THE VENUE OF ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT AND ANY CLAIM THAT
ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT HAS BEEN BROUGHT IN AN INCONVENIENT
FORUM. EACH PARTY HERETO HEREBY CONSENTS TO PROCESS BEING SERVED IN ANY SUIT,
ACTION OR PROCEEDING WITH RESPECT TO THIS ADMINISTRATIVE SERVICES AGREEMENT, OR
ANY DOCUMENT DELIVERED PURSUANT HERETO BY THE MAILING OF A COPY THEREOF BY
REGISTERED OR CERTIFIED MAIL, POSTAGE PREPAID, RETURN RECEIPT REQUESTED, TO ITS
RESPECTIVE ADDRESS SPECIFIED AT THE TIME FOR NOTICES UNDER THIS ADMINISTRATIVE
SERVICES AGREEMENT OR TO ANY OTHER ADDRESS OF WHICH IT SHALL HAVE GIVEN WRITTEN
NOTICE TO THE OTHER PARTIES. THE FOREGOING SHALL NOT LIMIT THE ABILITY OF ANY
PARTY HERETO TO BRING SUIT IN THE COURTS OF ANY OTHER JURISDICTION.

          EACH OF THE PARTIES HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO A
TRIAL BY JURY WITH RESPECT TO ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO
THIS ADMINISTRATIVE SERVICES AGREEMENT OR ANY TRANSACTION.

                                        9
<Page>

          Section 17.  TRUST TAX CHARACTERIZATION.

          The Administrator agrees, for United States federal, state and local
income and franchise tax purposes, to (i) disregard each Trust, and (ii) treat
the Notes and the Trust Beneficial Interest of each Trust as debt of Hartford
Life. The Administrator covenants that it shall take no action inconsistent with
such treatment (including under Treasury Regulations Sections 301.7701-2 or
301.7701-3, the "check-the-box" regulations). To the extent that it is
ultimately determined that a Trust cannot be disregarded for United States
federal, state or local income or franchise tax purposes, the Administrator
agrees to treat (i) such Trust as a "grantor trust" under Subpart E of Part I of
Subchapter J of the Code (or the state or local equivalent), owned by the
Holders of beneficial interests in the Notes of such Trust and the Trust
Beneficial Owner of such Trust and (ii) the Funding Agreement owned by such
Trust as debt of Hartford Life. The Administrator will not take any action that
it knows could cause any Trust not to be disregarded or treated as a grantor
trust (assuming such Trust were not disregarded) for United States federal,
state or local income or franchise tax purposes.

          Section 18.  LIMITATION OF DELAWARE TRUSTEE LIABILITY.

          Notwithstanding any provision hereof to the contrary, it is expressly
understood and agreed by the parties that (a) this Administrative Services
Agreement is executed and delivered by Wilmington Trust Company, not
individually or personally, but solely as Delaware Trustee, in the exercise of
the powers and authority conferred and vested in it, pursuant to the relevant
Trust Agreement of each Trust, (b) each of the representations, undertakings and
agreements herein made on the part of each Trust are made and intended not as
personal representations, undertakings and agreements by the Delaware Trustee
but are made and intended for the purpose of binding only each Trust, (c)
nothing herein contained shall be construed as creating any liability on the
Delaware Trustee, individually or personally, to perform any covenant either
expressed or implied contained herein, all such liability, if any, being
expressly waived by the parties hereto and by any person claiming by, through or
under the parties hereto, and (d) under no circumstances shall the Delaware
Trustee be personally liable for the payment of any indebtedness or expenses of
any Trust or be liable for the breach or failure of any obligation,
representation, warranty or covenant made or undertaken by any Trust under this
Administrative Services Agreement or any other related documents.

          Section 19.  SECTION HEADINGS.

          Section headings used in this Administrative Services Agreement are
for convenience only and shall not affect the construction of this
Administrative Services Agreement.

                                       10
<Page>

          Section 20.  NONPETITION COVENANT.

          Notwithstanding any prior termination of this Administrative Services
Agreement, the Administrator as such shall not acquiesce, petition or otherwise,
directly or indirectly, invoke or cause any Trust to invoke the process of any
governmental authority for the purpose of commencing or sustaining a case
against any Trust under any Federal or state bankruptcy, insolvency or similar
law or appointing a receiver, liquidator, assignee, trustee, custodian,
sequestrator or other similar official of any Trust or any substantial part of
any Trust's property or ordering the winding up or liquidation of the affairs of
any Trust for one year and one day after the last obligation of any such Trust
has been paid.

          Section 21.  SEVERABILITY.

          In case one or more of the provisions contained in this Administrative
Services Agreement shall be or shall be deemed to be invalid, illegal or
unenforceable in any respect, the validity, legality and enforceability of the
remaining provisions contained herein shall not in any way be affected or
impaired thereby. If any provision of this Administrative Services Agreement
shall be or shall be deemed to be illegal, invalid or unenforceable under the
applicable laws and regulations of one jurisdiction, such provision shall not
thereby be rendered illegal, invalid or unenforceable in any other jurisdiction.

          Section 22.  ADMINISTRATOR TO PROVIDE ACCESS TO BOOKS AND RECORDS.

          The Administrator shall provide the Indenture Trustee with access to
the books and records of each Trust, without charge, but only (i) upon the
reasonable request of the Indenture Trustee (for which purpose one Business Day
shall be deemed reasonable during the occurrence and continuation of a Default
or an Event of Default), (ii) during normal business hours, (iii) subject to the
Administrator's normal security and confidentiality procedures and (iv) at
offices designated by the Administrator.

          Section 23.  NO WAIVER.

          No failure on the part of the parties hereto to exercise, and no delay
in exercising, and no course of dealing with respect to, any right, power or
privilege hereunder shall operate as a waiver thereof, nor shall any single or
partial exercise thereof or the exercise of any other right, power or privilege
operate as such a waiver.

          Section 24.  REMEDIES CUMULATIVE.

          No right, power or remedy of the parties hereunder shall be exclusive
of any other right, power or remedy, but shall be cumulative and in addition to
any other right, power or remedy thereunder or now or hereafter existing by law
or in equity.

          Section 25.  THIRD PARTY BENEFICIARIES.

          The parties hereto acknowledge that the Delaware Trustee shall be an
express third party beneficiary of this Administrative Services Agreement with
respect only to obligations directly owing to it by a Trust, or the
Administrator, entitled in its own name and on

                                       11
<Page>

its own behalf to enforce the provisions hereof against such Trust and the
Administrator, severally but not jointly, with respect to obligations owed to
the Delaware Trustee by either such Trust or the Administrator; PROVIDED,
HOWEVER, that such right shall be valid only for so long as the Delaware Trustee
has any outstanding obligations or potential obligations under the relevant
Trust Agreement.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       12
<Page>

          IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be executed as of the day and year first above written.

                                WILMINGTON TRUST COMPANY, not in its
                                      individual capacity but solely as Delaware
                                      Trustee of one or more Hartford Life
                                      Global Funding Trusts

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

                                AMACAR PACIFIC CORP., in its individual
                                      capacity

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

                                       13Exhibit 4.10

                         HARTFORD LIFE INSURANCE COMPANY
                           (A STOCK INSURANCE COMPANY)
                200 HOPMEADOW STREET, SIMSBURY, CONNECTICUT 06089

                                FUNDING AGREEMENT

CONTRACTHOLDER:         HARTFORD LIFE GLOBAL FUNDING TRUST [200---], BY
                        WILMINGTON TRUST COMPANY, NOT IN ITS INDIVIDUAL CAPACITY
                        BUT SOLELY AS TRUSTEE, FOR THE BENEFIT OF HARTFORD LIFE
                        GLOBAL FUNDING TRUST [200---]

CONTRACT NUMBER:        [FA-40-]

EFFECTIVE DATE:         [-, 20__]                ISSUE STATE: [DELAWARE]

HARTFORD LIFE INSURANCE COMPANY AND THE CONTRACTHOLDER HEREBY AGREE TO THE TERMS
IN THIS FUNDING AGREEMENT (THE "CONTRACT"). THIS CONTRACT, INCLUDING THE
SCHEDULE ATTACHED, AND ANY AMENDMENTS THERETO, CONSTITUTE THE ENTIRE CONTRACT
BETWEEN HARTFORD LIFE INSURANCE COMPANY AND THE CONTRACTHOLDER. THIS CONTRACT IS
DELIVERED IN THE ISSUE STATE AND IS GOVERNED BY THE LAWS OF THAT STATE.

WHEN "WE", "US" OR "OUR" IS USED IN THIS CONTRACT, IT MEANS THE HARTFORD LIFE
INSURANCE COMPANY. WHEN "YOU" OR "YOUR" IS USED IN THIS CONTRACT, IT MEANS THE
CONTRACTHOLDER NAMED ABOVE AND INCLUDES ANY PERSON WITH AUTHORITY TO ACT ON THE
CONTRACTHOLDER'S BEHALF, WITH RESPECT TO THIS CONTRACT.

IN WITNESS WHEREOF, HARTFORD LIFE INSURANCE COMPANY AND THE CONTRACTHOLDER HAVE
AGREED TO THIS CONTRACT AS OF THE EFFECTIVE DATE AND CAUSED THE SAME TO BE IN
FULL FORCE AND EFFECT.

                    [HARTFORD LIFE SIGNATURES]

                                FUNDING AGREEMENT
                                NON-PARTICIPATING
                                 GENERAL ACCOUNT
                                 GUARANTEED RATE

<Page>

                                TABLE OF CONTENTS

<Table>
<Caption>
                                                                     PAGE NUMBER
<S>                                                                       <C>
PART 1 - DEFINITIONS                                                      1

PART 2 - ACCUMULATION FUND OPERATION                                      2

PART 3 - PAYMENTS FROM ACCUMULATION FUND                                  2

PART 4 - TERMINATION OF CONTRACT                                          3

PART 5 - GENERAL PROVISIONS                                               4
</Table>

<Page>

                              PART 1 - DEFINITIONS

1.01   CONTRACT DEFINITIONS. The following terms have the meanings indicated:

"ACCUMULATION FUND" is the accounting record we establish under this Contract,
as described in Section 2.01, for the Contract Payment set forth in the
Schedule.

"BUSINESS DAY" is any day, other than Saturday or Sunday, that is neither a
legal holiday nor a day on which commercial banks are authorized or required by
law, regulation or executive order to close in the City of New York and, if
funds are payable in a currency other than U.S. Dollars, the city specified in
the Schedule.

"CALL DATE" is the day or days prior to the Maturity Date, if any, specified in
the Schedule hereto, on which we may elect to pay you all or any part of the
Fund Balance. If no Call Date is indicated in a Schedule, we will pay you the
Fund Balance prior to the Maturity Date only to the extent provided in
Section 4.02.

"CONTRACT PAYMENT" is the amount we credit to the Accumulation Fund on the
Deposit Date as set forth in the Schedule.

"DEPOSIT DATE" is the date, specified in the Schedule, on which we receive the
amount necessary to support the Contract Payment.

"EVENT OF DEFAULT" has the meaning described in Section 4.03.

"FUND BALANCE" is the value of the Accumulation Fund, determined pursuant to
Section 2.03.

"GUARANTEED RATE" is the interest rate applied to the Accumulation Fund, as
stated in the Schedule.

"INDENTURE" is the indenture agreement, dated [-, 20__] made between the
Contractholder, the Indenture Trustee and certain other parties named therein,
as such agreement may be amended, supplemented or replaced from time to time.

"INDENTURE TRUSTEE" is JPMorgan Chase Bank, N.A., as trustee under the
Indenture, or its successor.

"MATURITY DATE" is the date, as set forth in the Schedule, when the Fund Balance
is payable in full to you. Unless otherwise indicated in the Schedule, if the
stated date is not a Business Day, the Maturity Date is the next following
Business Day. Interest accrues during such delay only if specified in the
Schedule.

"PROGRAM" is the Hartford Life Global Funding program, as described in the
prospectus dated [-], 2005, including any applicable prospectus supplement or
pricing supplement or in any amendment thereto.

"SCHEDULE" is the Accumulation Fund Supplement attached hereto, which
establishes the terms for the Accumulation Fund.

"TAX EVENT" has the meaning described in Section 4.04.

"TERMINATION DATE" is the earlier of the date of an automatic termination under
Section 4.01 or the effective date of an early termination you or we elect under
Section 4.02.

1.02   OTHER DEFINITIONS. Other capitalized terms appearing in this Contract
have the meanings indicated on this Contract's face page or in the Schedule.

                                        1
<Page>

                      PART 2 - ACCUMULATION FUND OPERATION

2.01   ESTABLISHING THE ACCUMULATION FUND. The Accumulation Fund is a general
account record we establish to reflect the Fund Balance. The Contract Payment is
allocated to our general account for investment. We have no obligation to
segregate such amounts. The Fund Balance will not be affected by the investment
results of the assets held in our general account.

2.02   CONTRACT PAYMENTS. You agree to pay to us, in U.S. Dollars, unless
another currency is specified in the Schedule, and by wire transfer, the amount
necessary to support the Contract Payment on the Deposit Date.

2.03   VALUE OF THE ACCUMULATION FUND. The Fund Balance on any given day equals
the Contract Payment, plus interest credited thereon at the Guaranteed Rate,
less any payments made under Part 3. Interest is credited based on the
methodology specified in the Schedule. Interest is earned at the Guaranteed Rate
from the Deposit Date to but excluding the Maturity Date or earlier payment
date.

2.04   INTEREST ON THE ACCUMULATION FUNDS. The Guaranteed Rate for the
Accumulation Fund is effective until the Maturity Date, provided, if an Event of
Default occurs, interest continues to be credited at the Guaranteed Rate until
actual payment of all amounts due. The interest crediting methodology is
specified in the Schedule.

                     PART 3 -PAYMENTS FROM ACCUMULATION FUND

3.01   PERIODIC PAYMENTS. We shall periodically pay you interest in the amounts
specified in the Schedule as Periodic Payments, on the dates specified,
including the Maturity Payout. Such payment amounts are adjusted to reflect any
other payment payable under this part. The interest factor used in making such
adjustments is the Guaranteed Rate.

3.02   OPTIONAL REDEMPTION PAYMENTS. If so indicated in the Schedule, we shall
pay you amounts you need to redeem or repay any notes or other instruments
issued by you and backed by this Contract, pursuant to any limited right of
redemption contained in such note or instrument. We may require reasonable
evidence that the redemption or payment request satisfied all of the terms and
conditions described in the prospectus, prospectus supplement and/or pricing
supplement applicable to such note or other instrument. Additional restrictions,
if any, on your reimbursement rights under this section may be included in the
Schedule.

3.03   EARLY PRE-PAYMENT BY US. If so indicated in the Schedule, we may elect to
pay you all or any part of the Fund Balance on the Call Dates specified in the
Schedule. Unless otherwise provided in the Schedule, we will give you at least
45 and no more than 75 days notice of our intent to make such pre-payment. No
adjustment will be made in the amount of such payment, unless such adjustment is
specifically provided for in the Schedule.

3.04   MATURITY PAYMENTS.  We shall pay you the Fund Balance on the Maturity
Date.

                                        2
<Page>

3.05   FORM OF PAYMENT. All payments we make to you are made in U.S. Dollars,
unless another currency is specified in the Schedule, by wire transfer,
unless otherwise agreed in writing by the parties hereto. Unless otherwise
stated in the Schedule, all payments we make are net of any applicable
withholding or deduction for or on account of any present or future taxes,
duties, levies, assessments or other governmental charges of whatever nature
imposed or levied by or on behalf of any governmental authority having the
power to tax. Such net payments fully satisfy our obligation to you with
respect to the full amount due.

                        PART 4 - TERMINATION OF AGREEMENT

4.01   AUTOMATIC TERMINATION. This Contract terminates with respect to the
Accumulation Fund when the Fund Balance is zero or upon the occurrence of an
Event of Default described in Section 4.03(a).

4.02   EARLY TERMINATION. You may terminate this Contract, by giving us two
Business Days notice upon the occurrence of an Event of Default specified in
Section 4.03(b), (c) or (d) below. We may terminate this Contract by giving you
not less than forty-five days, but no more than seventy-five days, prior written
notice of the occurrence of a Tax Event as described below.

4.03   EVENTS OF DEFAULT. An Event of Default occurs if:

(a)    We are dissolved or a resolution is passed or proceeding instituted for
       our winding-up, liquidation or similar arrangement (other than pursuant
       to a consolidation, amalgamation or merger);

(b)    We breach any material obligation, representation or certification
       contained herein, provided that there is no bona fide dispute as to
       whether such breach has occurred and that such breach continues for
       fifteen Business Days following your notice of such breach;

(c)    We fail to make any required Periodic Payout described in the Schedule or
       any other payment described in Sections 3.02 or 3.03 in this or any other
       funding agreement we issue in connection with the Program, and such
       failure continues for five Business Days after the due date thereof;

(d)    We fail to make the Maturity Payout described in the Schedule or in any
       other funding agreement we issue in connection with the Program and such
       failure is continuing as of the end of the Business Day following the due
       date thereof.

4.04   A TAX EVENT. Tax Event occurs if we have received an opinion of
independent legal counsel stating in effect that there is more than an
insubstantial risk that as a result of any amendment to, or change (including
any announced prospective change) in, the laws (or regulations thereunder) of
the United States or any political subdivision or taxing authority thereof or
therein or any amendment to, or change in, an interpretation or application of
any such laws or regulations by any governmental authority in the United States,
which amendment or change is enacted, promulgated, issued or announced on or
after the Effective Date, you are or will be within 90 days of the date thereof,
(1) subject to U.S. federal income tax with respect to interest accrued or
received on this Contract or (2) subject to more than a de minimis amount of
taxes, duties or other governmental charges.

                                        3
<Page>

4.05   PAYMENT UPON TERMINATION. Unless otherwise specified in the Schedule, we
shall pay you the Fund Balance on the date this Contract terminates. Such
payment fully discharges our obligation to you under this Contract.

                           PART 5 - GENERAL PROVISIONS

5.01   DISCLAIMER OF RESPONSIBILITY. Our only liability is as set out in this
Contract, including the Schedule hereto. In performing our obligations under
this Contract, we are not acting as your fiduciary or agent or as the fiduciary
or agent for anyone else.

5.02   NOTICES. All agreements, notices, directions, consents, elections or
other communication ("Notices") required by this Contract must be in writing,
directed to the applicable address designated on the face page. Any such Notices
may be given by facsimile transmission or other acceptable electronic means. All
Notices are effective when received.

5.03   AMENDMENTS. This Contract may be amended only by a written agreement
between the parties hereto.

5.04   TRANSFERABILITY. This Contract and the Accumulation Fund established
hereunder may be sold, assigned, or pledged in accordance with, and for the
purposes contemplated by, the documents and agreements governing the
establishment and operation of the Program. We will maintain a record of
ownership of this Contract in our books and records.

5.05   PAYMENTS BY US. When this Contract provides that we will make a payment
to you, such payment shall be made to you or to the agent you designate. Unless
otherwise specified in the Schedule, if a payment date is a non-Business Day, we
pay such amount on the next Business Day.

5.06   WAIVER BY US. At your request, we may waive any terms, conditions or
adjustments provided for in this Contract. Any such waiver is subject to any
limitations we specify in making the waiver and does not require us to grant
similar future waivers. A failure or delay in exercising a right under this
Contract does not waive our right or ability to assert such right in the future.

5.07   MUTUAL REPRESENTATIONS. The parties mutually represent and warrant, each
to the other, that:

(a)    This Contract is its legal, valid and binding obligation, enforceable in
       accordance with its terms, subject to applicable bankruptcy, insolvency,
       reorganization, moratorium or other laws affecting creditor's rights, and
       subject, as to enforceability, to general principles of equity,
       regardless of whether enforcement is sought in a proceeding in equity or
       at law;

(b)    It has the power to enter into this Contract and to consummate the
       transactions contemplated hereby;

(c)    All information provided in connection with this Contract is, to the best
       of its knowledge and belief, true, correct and complete;

(d)    The execution and delivery of this Contract and the performance of
       obligations hereunder do not and will not constitute or result in a
       default, breach or violation, of the terms or provisions of its
       certificate, articles or

                                        4
<Page>

       charter of incorporation, declaration of trust, by-laws or any agreement,
       instrument, mortgage, judgment, injunction or order applicable to it or
       any of its property.

5.08   TAX PROVISIONS. You, and each transferee or assignee of this Contract, to
the extent required by law, agree to provide us with any properly completed tax
forms that are needed for us to satisfy our tax reporting obligations with
respect to amounts held under this Contract. This Contract is intended to be
disregarded for U.S. federal, state and local income and franchise tax purposes
or, to the extent it cannot be disregarded, as our debt for such purposes.

                                        5
<Page>

                         HARTFORD LIFE INSURANCE COMPANY

                    ACCUMULATION FUND SUPPLEMENT (FIXED RATE)
                                (THE "SCHEDULE")

                            CONTRACT NUMBER [FA-40-]

<Table>

<S>                                  <C>
DEPOSIT DATE[S]:                     [-, 20__]

CONTRACT PAYMENT[S]:                 [$-]

GUARANTEED RATE:                     [-%]

INTEREST CREDITING:                  Interest is credited based on a 30-day month and using a 360-day
                                     year, applied to the Fund Balance each day.

PERIODIC PAYOUTS:                    [On -, 20__, and on the 15th of each -, we will pay you all
                                     accrued and unpaid interest. If such date is not a Business Day,
                                     the Periodic Payout is made on the next following Business Day,
                                     with/without interest for the period payment is deferred.]

[OPTIONAL REDEMPTION:]               [Optional redemptions under Section 3.02 may be made solely with
                                     respect to the "survivor option" described in the prospectus
                                     supplement dated  [  ], for the Program and the pricing supplement
                                     for Hartford Life Global Funding Trust [  ].]

                                                                     OR

                                     [Optional redemptions under Section 3.02 may be made to fund
                                     amounts you are required to pay as described in the pricing
                                     supplement for Hartford Life Global Funding Trust [  ].]

[CALL TERMS:]                        [We may elect to pay you all or a portion of the Fund Balance,
                                     under Section 3.03 on -, 20__ or as of any date thereafter when a
                                     Periodic Payout is due (the "Call Dates").]

                                                                     OR

                                     [We may elect to pay you all or a portion of the Fund Balance,
                                     under Section 3.03 on -, 20__ (the "Call Date").]

MATURITY PAYOUT:                     On -, 20__ (the "Maturity Date") we will pay you the Fund Balance.]

OTHER TERMS:                         [None.]
</Table>

                                        6
<Page>

                         HARTFORD LIFE INSURANCE COMPANY

                  ACCUMULATION FUND SUPPLEMENT (FLOATING RATE)
                                (THE "SCHEDULE")

                            CONTRACT NUMBER [FA-40-]

<Table>
<S>                                  <C>
DEPOSIT DATE[S]:                     [-, 20__]

CONTRACT PAYMENT[S]:                 [$-]

CREDITING PERIOD:                    The first Crediting Period begins on the Deposit Date and ends on
                                     the day immediately preceding the beginning of the next Crediting
                                     Period. Each subsequent Crediting Period starts on the 15th day of -.

GUARANTEED RATE:                     -% for the first Crediting Period, and for all subsequent
                                     Crediting Periods, the Index Rate [plus - basis points] [times
                                     1.-%], determined as of the - Business Day prior to the start of
                                     each Crediting Period.  [If the Index Rate uses LIBOR, for
                                     purposes of the prior sentence, the term "Business Day" excludes
                                     any day that is not a London Banking Day.]

[MAXIMUM RATE:]                      [Anything in this Schedule to the contrary notwithstanding, the
                                     Guaranteed Rate shall not exceed -%.]

[MINIMUM RATE:]                      [Anything in this Schedule to the contrary notwithstanding the
                                     Guaranteed Rate shall not be less than -%.]

[FIXED RATE CONVERSION:]             [Anything in this Schedule to the contrary notwithstanding, on
                                     and after -, 20__, the Guaranteed Rate shall be -%.]

INTEREST CREDITING:                  Interest is credited based on a [30-day month and using a 360-day
                                     year], applied to the Fund Balance each day.

INDEX RATE:                          [The - month LIBOR [Moneyline Telerate] [Reuters] as denominated
                                     in -, determined as specified in the applicable prospectus
                                     supplement for the Program, expressed as a percentage to the
                                     fifth place following the decimal or as otherwise provided in the
                                     applicable prospectus supplement for the Program.]

                                                                     OR

                                     [The - month CD rate for negotiable certificate of deposit, as
                                     published by the Federal Reserve in H.15(519), under the caption
                                     "CDs (secondary market)" or as otherwise provided in the
                                     applicable prospectus supplement for the Program.]

                                                                     OR

                                     [The - day commercial paper money market yield as published by
                                     the Federal Reserve in H15(519) under the caption "Commercial
                                     Paper - Nonfinancial," determined as described in the applicable
                                     prospectus supplement for the Program, using a 360 day year and
                                     the actual number of days in a Crediting Period or as otherwise
                                     provided in the applicable prospectus supplement for the
                                     Program.]
</Table>

                                        7
<Page>

<Table>
<S>                                  <C>
                                                                     OR

                                     [The - year constant maturity Treasury rate (Moneyline Telerate
                                     Page -) as published by the Federal Reserve in H.15(519), under
                                     the caption "Treasury Constant Maturities," or as otherwise
                                     provided in the applicable prospectus supplement for the
                                     Program.]

                                                                     OR

                                     [The Federal Funds Rate as published by the Federal Reserve in
                                     H.15(519) under the caption "Federal Funds (Effective)," or as
                                     otherwise provided in the applicable prospectus supplement for
                                     the Program.]

                                                                     OR

                                     [The Prime Rate, as published by the Federal Reserve in H.15(519)
                                     under the caption "Bank Prime Loan" or as otherwise provided in
                                     the applicable prospectus supplement for the Program.]

                                                                     OR

                                     [The rate on - day Treasury Bills appearing on Moneyline Telerate
                                     Page [56 or 57] for the auction occurring with respect to the
                                     week in which an "Interest Determination Date," (as defined in
                                     the appropriate prospectus supplement for the Program) falls, or
                                     as otherwise provided in such prospectus supplement.]

                                                                     OR

                                     [Any other rate as specified in the pricing supplement for Hartford
                                     Life Global Funding Trust [  ].]

PERIODIC PAYOUTS:                    [On -, 20__, and on the 15th of each -, we will pay you all
                                     accrued and unpaid interest. If such date is not a Business Day,
                                     the Periodic Payout is made on the next following Business Day,
                                     with/without interest for the period payment is deferred.]

[OPTIONAL REDEMPTION:]               [Optional redemptions under Section 3.02 may be made solely with
                                     respect to the "survivor option" described in the prospectus
                                     supplement dated [  ], for the Program and the pricing supplement
                                     for Hartford Life Global Funding Trust [  ].]

                                                                     OR

                                     [Optional redemptions under Section 3.02 may be made to fund
                                     amounts you are required to pay as described in the pricing
                                     supplement for Hartford Life Global Funding Trust [  ].]

[CALL TERMS:]                        [We may elect to pay you all or a portion of the Fund Balance,
                                     under Section 3.03 on -, 20__ or as of any date thereafter when a
                                     Periodic Payout is due (the "Call Dates").]

                                                                     OR

                                     [We may elect to pay you all or a portion of the Fund Balance,
                                     under Section 3.03 on -, 20__ (the "Call Date").]

MATURITY PAYOUT:                     [On -, 20__ (the "Maturity Date") we will pay you the Fund
                                     Balance.]

OTHER TERMS:                         [None.]
</Table>

                                        8
<Page>

                         HARTFORD LIFE INSURANCE COMPANY

                 ACCUMULATION FUND SUPPLEMENT (FOREIGN CURRENCY)
                                (THE "SCHEDULE")

                            CONTRACT NUMBER [FA-40-]

<Table>
<S>                                  <C>
DEPOSIT DATE[S]:                     [-, 20__]

CONTRACT CURRENCY:                   [-]

CONTRACT PAYMENT[S]:                 [-]

GUARANTEED RATE:                     [-%]

INTEREST CREDITING:                  Interest is credited based on a 30-day month and using a 360-day
                                     year, applied to the Fund Balance each day.

BUSINESS DAY CITY:                   The cities of - and New York will be used to determine which days
                                     are "Business Days."

PERIODIC PAYOUTS:                    [On -, 20__, and on the 15th of each -, we will pay you all
                                     accrued and unpaid interest. If such date is not a Business Day,
                                     the Periodic Payout is made on the next following Business Day,
                                     with/without interest for the period payment is deferred.]

[OPTIONAL REDEMPTION:]               [Optional redemptions under Section 3.02 may be made solely with
                                     respect to the "survivor option" described in the prospectus
                                     supplement dated [  ], for the Program and the pricing supplement
                                     for Hartford Life Global Funding Trust [  ].]

                                                                     OR

                                     [Optional redemptions under Section 3.02 may be made to fund
                                     amounts you are required to pay as described in the pricing
                                     supplement for Hartford Life Global Funding Trust [  ].]

[CALL TERMS:]                        [We may elect to pay you all or a portion of the Fund Balance,
                                     under Section 3.03 on -, 20__ or as of any date thereafter when a
                                     Periodic Payout is due (the "Call Dates").]

                                                                     OR

                                     [We may elect to pay you all or a portion of the Fund Balance,
                                     under Section 3.03 on -, 20__ (the "Call Date").]

MATURITY PAYOUT:                     [On -, 20__ (the "Maturity Date") we will pay you the Fund
                                     Balance.]

OTHER TERMS:                         If the Contract Currency is unavailable for making payments due
                                     to exchange controls or any other circumstance beyond Hartford
                                     Life's control, we may pay you in U.S. Dollars, using an exchange
                                     rate determined as provided in the Indenture.
</Table>

                                        9

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00081-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00081-of-00352.parquet"}]]