Document:

<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105252 of Hartford Life Insurance Company Separate Account Two
of our report dated February 19, 2003, relating to the financial statements of
Hartford Life Insurance Company, and of our report dated February 21, 2003,
relating to the financial statements of Hartford Life Insurance Company Separate
Account Two, appearing in the Statement of Additional Information, which is a
part of such Registration Statement, and to the reference to us under the
heading "Independent Public Accountants" in such Statement of Additional
Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105259 of Hartford Life and Annuity Insurance Company Separate
Account One of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account One, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105260 of Hartford Life Insurance Company Separate Account Ten
of our report dated February 19, 2003, relating to the financial statements of
Hartford Life Insurance Company, and of our report dated February 21, 2003,
relating to the financial statements of Hartford Life Insurance Company Separate
Account Ten, appearing in the Statement of Additional Information, which is a
part of such Registration Statement, and to the reference to us under the
heading "Independent Public Accountants" in such Statement of Additional
Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105261 of Hartford Life and Annuity Insurance Company Separate
Account Ten of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account Ten, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 3 to Registration
Statement No. 333-104356 of Hartford Life Insurance Company Separate Account
Seven of our report dated February 19, 2003, relating to the financial
statements of Hartford Life Insurance Company, and of our report dated February
21, 2003, relating to the financial statements of Hartford Life Insurance
Company Separate Account Seven, appearing in the Statement of Additional
Information, which is a part of such Registration Statement, and to the
reference to us under the heading "Independent Public Accountants" in such
Statement of Additional Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 3 to Registration
Statement No. 333-104357 of Hartford Life and Annuity Insurance Company Separate
Account Seven of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account Seven, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105253 of Hartford Life Insurance Company Separate Account Two
of our report dated February 19, 2003, relating to the financial statements of
Hartford Life Insurance Company, and of our report dated February 21, 2003,
relating to the financial statements of Hartford Life Insurance Company Separate
Account Two, appearing in the Statement of Additional Information, which is a
part of such Registration Statement, and to the reference to us under the
heading "Independent Public Accountants" in such Statement of Additional
Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105255 of Hartford Life and Annuity Insurance Company Separate
Account One of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account One, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105257 of Hartford Life Insurance Company Separate Account Ten
of our report dated February 19, 2003, relating to the financial statements of
Hartford Life Insurance Company, and of our report dated February 21, 2003,
relating to the financial statements of Hartford Life Insurance Company Separate
Account Ten, appearing in the Statement of Additional Information, which is a
part of such Registration Statement, and to the reference to us under the
heading "Independent Public Accountants" in such Statement of Additional
Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105258 of Hartford Life and Annuity Insurance Company Separate
Account Ten of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account Ten, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105254 of Hartford Life Insurance Company Separate Account
Seven of our report dated February 19, 2003, relating to the financial
statements of Hartford Life Insurance Company, and of our report dated February
21, 2003, relating to the financial statements of Hartford Life Insurance
Company Separate Account Seven, appearing in the Statement of Additional
Information, which is a part of such Registration Statement, and to the
reference to us under the heading "Independent Public Accountants" in such
Statement of Additional Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105256 of Hartford Life and Annuity Insurance Company Separate
Account Seven of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account Seven, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105266 of Hartford Life Insurance Company Separate Account Two
of our report dated February 19, 2003, relating to the financial statements of
Hartford Life Insurance Company, and of our report dated February 21, 2003,
relating to the financial statements of Hartford Life Insurance Company Separate
Account Two, appearing in the Statement of Additional Information, which is a
part of such Registration Statement, and to the reference to us under the
heading "Independent Public Accountants" in such Statement of Additional
Information.

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

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 1 to Registration
Statement No. 333-105267 of Hartford Life and Annuity Insurance Company Separate
Account One of our report dated March 26, 2003, relating to the financial
statements of Hartford Life and Annuity Insurance Company, and of our report
dated February 21, 2003, relating to the financial statements of Hartford Life
and Annuity Insurance Company Separate Account One, appearing in the Statement
of Additional Information, which is a part of such Registration Statement, and
to the reference to us under the heading "Independent Public Accountants" in
such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
August 15, 2003

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}]]