Document:

EXHIBIT 4.4

                               OMNIBUS INSTRUMENT

                                 WITH REGARD TO

                   HARTFORD LIFE GLOBAL FUNDING TRUST 2006-021

         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
2006-021 (the "Trust") of Hartford Life Global Funding Trust 2006-021 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 February 27, 2006 (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 March  2,  2006  (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.

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<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").

                              W I T N E S S E T H:
                               -------------------

         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 2006-021
                               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.

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                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       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).

                              W I T N E S S E T H:
                               -------------------

         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 2006-021
                               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).

                              W I T N E S S E T H:
                               -------------------

         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 2006-021
                               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.

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                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       5

<PAGE>

                                    SECTION D

                             COORDINATION AGREEMENT

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

                              W I T N E S S E T H:
                               -------------------

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

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

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

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

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

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

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

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

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

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

                  Hartford Life Global Funding Trust 2006-021
                               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.

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                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       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.

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                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       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:  /s/ Ken McCullum
                     --------------------------------------------------
                     Name: Ken McCullum
                     Title: VP, IIP

                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       9

<PAGE>

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

                  HARTFORD LIFE GLOBAL FUNDING TRUST 2006-021 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:  /s/ Jeanne M. Oller
                     -----------------------------------------------------------
                     Name: JEANNE M. OLLER
                     Title:  SENIOR FINANCIAL SERVICES OFFICER

                  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: /s/ Jeanne M. Oller
                     -----------------------------------------------------------
                     Name: JEANNE M. OLLER
                     Title:  SENIOR FINANCIAL SERVICES OFFICER

                  Hartford Life Global Funding Trust 2006-021
                               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:  /s/ Evelyn Echevarria
                     -----------------------------------------------------------
                     Name: EVELYN ECHEVARRIA
                     Title: VICE PRESIDENT

                  Hartford Life Global Funding Trust 2006-021
                               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:  /s/ Albert P. Mari, Jr.
                     -----------------------------------------------------------
                     Name:  ALBERT P. MARI, JR.
                     Title: VICE PRESIDENT

                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       12

<PAGE>

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

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

                  By:  /s/ Chris O'Connor
                     -----------------------------------------------------------
                     Name: Chris O'Connor
                     Title:  Authorized Signatory

                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       13

<PAGE>

                                    EXHIBIT A

                               PRICING SUPPLEMENT

                                                Filed pursuant to Rule 424(b)(2)
                                                             File No. 333-123441

Pricing Supplement No. 116 dated February 27, 2006.
(To Prospectus dated April 15, 2005 and Prospectus
Supplement dated May 5, 2005)
This Pricing Supplement consists of 2 pages.

                         Hartford Life Insurance Company
                                    Depositor

                           Fixed Rate IncomeNotes(sm)
                                 Issued through

                   Hartford Life Global Funding Trust 2006-021

                     5.00% Callable Notes due March 15, 2010

The description in this pricing  supplement of the particular terms of the 5.00%
IncomeNotes(sm)  offered hereby and the Funding  Agreement sold by Hartford Life
Insurance  Company to the Trust specified herein  supplements the description of
the general  terms and  provisions of the notes and the funding  agreements  set
forth  in the  accompanying  prospectus  and  prospectus  supplement,  to  which
reference is hereby made.

                        PROVISIONS RELATING TO THE NOTES
<TABLE>
<CAPTION>

<S>                      <C>                      <C>                      <C>
Principal Amount:        $2,970,000.00            Interest Rate:           5.00%

Price to Public:         100%                     Issuance Date:           March 2, 2006

Net Proceeds to Trust:   $2,946,240.00            Stated Maturity Date:    March 15, 2010

Agent's Discount:        0.80%                    Initial Interest Payment Date: April 15, 2006

CUSIP Number:            41659FHV9                Interest Payment Frequency: Monthly

Day Count Convention: 30/360                      Regular Record Dates:  15 days prior to an Interest
                                                  Payment Date.
Optional Redemption: Yes [ X ] No [ ]             The Survivor's Option  [X] is  [ ]  is not
Optional Redemption Date: March 15, 2008          available
    or any Interest Payment Date thereafter.           Annual Put Limitation: $1 million or 1%
    Initial Redemption Percentage: 100%                Individual Put Limitation: $250,000
    Annual Percentage Reduction: N/A                   Trust Put Limitation: N/A
    Redemption may be: [X] In whole only.
[  ] In whole or in part.                         Authorized Denominations: $1,000 integral amounts.

Securities Exchange Listing:   None.              Special Tax Considerations: None.

Other Provisions Relating to the Notes:
None.
</TABLE>

                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       14

<PAGE>

Agents : Bear, Stearns & Co. Inc., A.G. Edwards & Sons, Inc., Advest Inc., Banc
of America Securities LLC, Charles Schwab & Co., Inc., Citigroup, HSBC,
JPMorgan, Merrill Lynch & Co., Morgan Stanley, Raymond James, RBC Dain Rauscher,
Inc., Scott & Stringfellow, Inc., UBS Financial Services, Inc., Wachovia
Securities, WM Financial Services

                  INFORMATION RELATING TO THE FUNDING AGREEMENT
<TABLE>
<CAPTION>

Funding Agreement Provider: Hartford Life Insurance Company

<S>                         <C>                     <C>                            <C>
Funding Agreement:          FA-406021               Interest Rate:                 5.00%

Contract Payment:           $2,970,015.00           Effective Date:                March 2, 2006

Deposit Amount :            $2,946,255.00           Stated Maturity Date:          March 15, 2010
(if different from Contract Payment)

Day Count Convention:       30/360                  Initial Interest Payment Date: April 15, 2006
Special Tax Considerations: None.                   Interest Payment Frequency:
                                                     Monthly
Optional Redemption:   Yes [ X ] No [    ]          Survivor Option:  Under the Funding Agreement,
Optional Redemption Date: March 15, 2008                Hartford Life Insurance Company [X] is [ ] is not
    or any Interest Payment Date thereafter.            required to provide the Trust with amounts it
    Initial Redemption Percentage:   100%               needs to honor valid exercises of the Survivor's
    Annual Percentage Reduction:    N/A                 Option.
    Redemption may be:  [X] In whole only.
                        [ ] In whole or in part.    Other Provisions Relating to the Funding
                                                    Agreement: None.
</TABLE>

  INFORMATION PERTAINING TO THE RATINGS OF THE NOTES AND THE FUNDING AGREEMENT

It is  anticipated  that,  as of March 2,  2006,  the Notes will be rated by the
indicated rating agencies as follows:

                  Standard & Poor's:  AA-            Moody's: Aa3
                  A.M. Best: aa-                     Fitch: AA

The Moody's rating also extends to the Program under which the Notes are issued.

It is anticipated that, as of March 2, 2006, the Funding Agreement will be rated
by the indicated rating agencies as follows:

                  Standard & Poor's:  AA-            Moody's: Aa3
                  A.M. Best: aa-                     Fitch: AA

                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       15

<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 Aa3 by  Moody's  and the Notes are rated AA- by S&P.  In  connection  with
Section 1.3.10 of the Distribution  Agreement,  the Company's financial strength
rating is Aa3 by Moody's, AA- by S&P, aa- by A.M. Best, and AA by Fitch.

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):

None.

                  Hartford Life Global Funding Trust 2006-021
                               Omnibus Instrument
                                       16COPY
                                                                     EXHIBIT 4.5

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

                                FUNDING AGREEMENT

CONTRACTHOLDER:  HARTFORD LIFE GLOBAL FUNDING TRUST 2006-021 BY WILMINGTON TRUST
                 COMPANY, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE,
                 FOR THE BENEFIT OF HARTFORD LIFE GLOBAL FUNDING TRUST 2006-021

CONTRACT NUMBER: FA-406021

EFFECTIVE DATE:  MARCH 2, 2006             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.

/s/  Richard G. Costello                          /s/  Thomas M. Marra

RICHARD G. COSTELLO, SECRETARY                    THOMAS M. MARRA, PRESIDENT

                                FUNDING AGREEMENT
                                NON-PARTICIPATING
                                 GENERAL ACCOUNT
                                 GUARANTEED RATE
                                                               [GRAPHIC OMITTED]

<PAGE>

                                      COPY

                                TABLE OF CONTENTS

                                                                    PAGE NUMBER

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

<PAGE>

                                      COPY

                              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 ss.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 ss.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 ss.4.03.

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

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

"INDENTURE"  is the  indenture  agreement,  dated March 2, 2006 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 April 15, 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 ss.4.04.

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

                                       1

<PAGE>

                                      COPY

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.

                      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>

                                      COPY

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 ss.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
ss.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  ss.ss.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.  A 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>

                                      COPY

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;

                                       4

<PAGE>

                                      COPY

(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 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>

                                      COPY

                         HARTFORD LIFE INSURANCE COMPANY

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

                            CONTRACT NUMBER FA-406021

DEPOSIT DATE[S]:           March 2, 2006

CONTRACT PAYMENT[S]:       $2,970,015.00

GUARANTEED RATE:           5.00%

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 April  15,  2006,  and the 15th day of each  month
                           thereafter,  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 without  interest for the period payment
                           is deferred.

OPTIONAL REDEMPTION:       Optional redemptions under ss.3.02 may be made solely
                           with respect to the  "survivor  option"  described in
                           the prospectus  supplement  dated May 5, 2005 for the
                           Program and the pricing  supplement for Hartford Life
                           Global Funding Trust 2006-021.

CALL TERMS:                We may  elect  to pay  you all of the  Fund  Balance,
                           under  ss.3.03  on March  15,  2008 or as of any date
                           thereafter  when a Periodic  Payout is due (the "Call
                           Dates").

MATURITY PAYOUT:           On March 15, 2010 (the  "Maturity  Date") we will pay
                           you the Fund Balance.

OTHER TERMS:               None.

                                       6

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