Document:

Exhibit 4.6
                                    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 and AA-by S&P.

REQUIRED DELIVERIES:

Pursuant to Section 4.1, 4.2 and/or 4.5 of the Distribution Agreement the
following opinions, negative assurances and/or comfort letter are required to be
delivered on the Issuance Date (as defined in the Omnibus Instrument):

    1.  OPINION OF INTERNAL COUNSEL FOR THE COMPANY.

    2.  OPINION OF COUNSEL FOR THE COMPANY CONCERNING CERTAIN CONNECTICUT
        INSOLVENCY MATTERS.

    3.  OPINION OF AGENT APPROVED COUNSEL CONCERNING CERTAIN FEDERAL SECURITIES
        MATTERS.

    4.  OPINION OF AGENT APPROVED COUNSEL CONCERNING CERTAIN NEW YORK LAW
        MATTERS.

    5.  OPINION OF AGENT APPROVED COUNSEL CONCERNING CERTAIN NEW YORK SECURITY
        INTEREST MATTERS.

    6.  OPINION OF AGENT APPROVED COUNSEL CONCERNING CERTAIN TAX MATTERS.

    7.  MEMORANDUM OF AGENT APPROVED COUNSEL CONCERNING CERTAIN INSURANCE
        MATTERS.

    8.  OPINION OF AGENT APPROVED COUNSEL CONCERNING CERTAIN INSURANCE MATTERS.

    9.  OPINION OF COUNSEL FOR THE TRUST.

    10. OPINION OF COUNSEL FOR THE DELAWARE TRUSTEE.

    11. OPINION OF COUNSEL FOR THE TRUST CONCERNING DELAWARE SECURITY INTEREST
        MATTERS.

    12. OPINION OF COUNSEL FOR THE ADMINISTRATOR.

    13. OPINION OF COUNSEL FOR THE INDENTURE TRUSTEE.

    14. NEGATIVE ASSURANCE OF COMPANY APPROVED COUNSEL.

    15. NEGATIVE ASSURANCE OF AGENT APPROVED COUNSEL.

    16. COMFORT LETTER FROM ACCOUNTANTS FOR THE COMPANY.EXHIBIT 4.6

                                                                     SCHEDULE I

                              INTEREST RATE

BASE RATE:

The interest rate basis for this Note will be the CPI Adjustment Rate (as
defined below) for each interest payment period, based on the percentage change
in the non-seasonally adjusted U.S. City Average All Items Consumer Price Index
for All Urban Consumers (the "CPI"), published monthly by the Bureau of Labor
Statistics of the U.S. Department of Labor ("BLS"), and calculated as described
below. The CPI Adjustment Rate may be a positive or negative rate in any
Interest Reset Period. The CPI is a measure of the average levels in consumer
prices over time for a fixed market basket of goods and services, including
food, clothing, shelter, fuels, transportation, charges for doctors and dentists
services, and drugs. In calculating the index, price levels for the various
items are averaged together with weights that represent their importance in the
spending of urban households in the United States. The contents of the market
basket of goods and services and the weights assigned to the various items are
updated periodically by the BLS to take into account changes in consumer
expenditure patterns. The CPI is expressed in relative terms in relation to a
time base reference period for which the level is set at 100.0. The base
reference period for this Note is the 1982-1984 average.

COMPUTATION OF INTEREST:

THE CPI: CPI(t) for each Interest Reset Date is the CPI for the second calendar
month prior to the applicable Interest Rate Determination Date, as published and
reported in the calendar month immediately prior to such Interest Rate
Determination Date.

CALCULATION OF CPI ADJUSTMENT RATE: The CPI Adjustment Rate for each Interest
Reset Period is determined as of each applicable Interest Rate Determination
Date pursuant to the following formula:
    (CPI(t)-CPI(t-12))/CPI(t-12), where:

    CPI(t): Current Index Level of the CPI (as defined above), as
    published on Bloomberg

    CPURNSA; and
    CPI(t-12): Index Level of CPI for the month 12 months prior to the CPI(t).

All percentages resulting from any calculation on this Note will be rounded to
the nearest one hundredth of a percentage point, with five one-thousandths of a
percentage point rounded upwards, e.g., 2.538% (or .02538) would be rounded to
2.54% (or .0254).

CALCULATION OF INTEREST RATE: The CPI Adjustment Rate determined on an Interest
Rate Determination Date is used to calculate the interest rate effective on the
next Interest Reset Date. For all periods on and after the

<PAGE>

Initial Interest Reset Date, the interest rate is equal to the CPI Adjustment
Rate times the Spread Multiplier and plus the fixed Spread as set forth on the
face of this Note.

DETERMINATION OF THE CPI:

If the CPI is not reported on Bloomberg CPURNSA for a particular month by 3:00
PM on an Interest Rate Determination Date, but has otherwise been published by
the BLS, the Calculation Agent will determine the CPI as published by the BLS
for such month using other source as on its face, and after consultation with
Hartford Life, appears to accurately set forth the CPI as published by the BLS.

If the CPI has not been discontinued but has not been reported on Bloomberg
CPURNSA or published by BLS for a particular month by 3:00 PM on an Interest
Rate Determination Date, CPI for such date shall be the CPI for the immediately
preceding Interest Rate Determination Date.

In calculating CPI(t) and CPI(t-12) the Calculation Agent will use the most
recently available value of the CPI for any month, determined as described above
on the applicable Interest Rate Determination Date, even if such value has been
adjusted from a prior reported value for the relevant month. However, if a value
of CPI(t) and CPI(t-12) used by the Calculation Agent on any Interest Rate
Determination Date to determine the interest rate on the notes (an "Initial
CPI") is subsequently revised by the BLS, the Calculation Agent will continue to
use the Initial CPI, and the interest rate determined will not be revised. If
the CPI is rebased to a different year or period, the base reference period for
this Note will continue to be the 1982-1984 reference period as long as the
1982-1984 CPI continues to be published.

If, while this Note is outstanding, the CPI is discontinued or, if in the
opinion of the BLS, as evidenced by a public release, and if concurred with by
Hartford Life, substantially altered, the applicable substitute index for the
notes will be that chosen by the Secretary of the Treasury for the Department of
Treasury's Inflation-Linked Treasuries as described at 62 Federal Register
846-874 (January 6, 1997). If no such securities are outstanding, the substitute
index for this Note will be determined by the Calculation Agent as directed by
Hartford Life in accordance with general market practice at the time, provided
that the procedure for determining the resulting interest rate is
administratively acceptable to the Calculation Agent.EXHIBIT 4.6

                                                                     SCHEDULE I

                              INTEREST RATE

BASE RATE:

The interest rate basis for this Note will be the CPI Adjustment Rate (as
defined below) for each interest payment period, based on the percentage change
in the non-seasonally adjusted U.S. City Average All Items Consumer Price Index
for All Urban Consumers (the "CPI"), published monthly by the Bureau of Labor
Statistics of the U.S. Department of Labor ("BLS"), and calculated as described
below. The CPI Adjustment Rate may be a positive or negative rate in any
Interest Reset Period. The CPI is a measure of the average levels in consumer
prices over time for a fixed market basket of goods and services, including
food, clothing, shelter, fuels, transportation, charges for doctors and dentists
services, and drugs. In calculating the index, price levels for the various
items are averaged together with weights that represent their importance in the
spending of urban households in the United States. The contents of the market
basket of goods and services and the weights assigned to the various items are
updated periodically by the BLS to take into account changes in consumer
expenditure patterns. The CPI is expressed in relative terms in relation to a
time base reference period for which the level is set at 100.0. The base
reference period for this Note is the 1982-1984 average.

COMPUTATION OF INTEREST:

THE CPI: CPI(t) for each Interest Reset Date is the CPI for the second calendar
month prior to the applicable Interest Rate Determination Date, as published and
reported in the calendar month immediately prior to such Interest Rate
Determination Date.

CALCULATION OF CPI ADJUSTMENT RATE: The CPI Adjustment Rate for each Interest
Reset Period is determined as of each applicable Interest Rate Determination
Date pursuant to the following formula:
    (CPI(t)-CPI(t-12))/CPI(t-12), where:

    CPI(t): Current Index Level of the CPI (as defined above), as
    published on Bloomberg

    CPURNSA; and
    CPI(t-12): Index Level of CPI for the month 12 months prior to the CPI(t).

All percentages resulting from any calculation on this Note will be rounded to
the nearest one hundredth of a percentage point, with five one-thousandths of a
percentage point rounded upwards, e.g., 2.538% (or .02538) would be rounded to
2.54% (or .0254).

CALCULATION OF INTEREST RATE: The CPI Adjustment Rate determined on an Interest
Rate Determination Date is used to calculate the interest rate effective on the
next Interest Reset Date. For all periods on and after the

<PAGE>

Initial Interest Reset Date, the interest rate is equal to the CPI Adjustment
Rate times the Spread Multiplier and plus the fixed Spread as set forth on the
face of this Note.

DETERMINATION OF THE CPI:

If the CPI is not reported on Bloomberg CPURNSA for a particular month by 3:00
PM on an Interest Rate Determination Date, but has otherwise been published by
the BLS, the Calculation Agent will determine the CPI as published by the BLS
for such month using other source as on its face, and after consultation with
Hartford Life, appears to accurately set forth the CPI as published by the BLS.

If the CPI has not been discontinued but has not been reported on Bloomberg
CPURNSA or published by BLS for a particular month by 3:00 PM on an Interest
Rate Determination Date, CPI for such date shall be the CPI for the immediately
preceding Interest Rate Determination Date.

In calculating CPI(t) and CPI(t-12) the Calculation Agent will use the most
recently available value of the CPI for any month, determined as described above
on the applicable Interest Rate Determination Date, even if such value has been
adjusted from a prior reported value for the relevant month. However, if a value
of CPI(t) and CPI(t-12) used by the Calculation Agent on any Interest Rate
Determination Date to determine the interest rate on the notes (an "Initial
CPI") is subsequently revised by the BLS, the Calculation Agent will continue to
use the Initial CPI, and the interest rate determined will not be revised. If
the CPI is rebased to a different year or period, the base reference period for
this Note will continue to be the 1982-1984 reference period as long as the
1982-1984 CPI continues to be published.

If, while this Note is outstanding, the CPI is discontinued or, if in the
opinion of the BLS, as evidenced by a public release, and if concurred with by
Hartford Life, substantially altered, the applicable substitute index for the
notes will be that chosen by the Secretary of the Treasury for the Department of
Treasury's Inflation-Linked Treasuries as described at 62 Federal Register
846-874 (January 6, 1997). If no such securities are outstanding, the substitute
index for this Note will be determined by the Calculation Agent as directed by
Hartford Life in accordance with general market practice at the time, provided
that the procedure for determining the resulting interest rate is
administratively acceptable to the Calculation Agent.

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