HARTFORD LIFE INSURANCE CO SEPARATE ACCOUNT TWO VAR ACC A
485BPOS, EX-9, 2000-09-22
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                                                                   [LOGO]
                                                                   HARTFORD LIFE





September 14, 2000
                                                  LYNDA GODKIN
                                                  SENIOR VICE PRESIDENT, GENERAL
                                                  COUNSEL & CORPORATE SECRETARY
Board of Directors
Hartford Life Insurance Company
200 Hopmeadow Street
Simsbury, CT  06089

RE:    Separate Account Two
       Hartford Life Insurance Company
       File No. 33-19945

Dear Sir/Madam:

I have acted as General Counsel to Hartford Life Insurance Company (the
"Company"), a Connecticut insurance company, and Hartford Life Insurance
Company Separate Account Two (the "Account") in Connecticut with the
registration of an indefinite amount of securities in the form of variable
annuity contracts (the "Contracts") with the Securities and Exchange Commission
under the Securities Act of 1933, as amended. I have examined such documents
(including the Form N-4 registration statement) and reviewed such questions of
law as I considered necessary and appropriate, and on the basis of such
examination and review, it is my opinion that:

1.  The Company is a corporation duly organized and validly existing as a stock
    life insurance company under the laws of the State of Connecticut and is
    duly authorized by the Insurance Department of the State of Connecticut to
    issue the Contacts.

2.  The Account is a duly authorized and existing separate account established
    pursuant to the provisions of Section 38a-433 of the Connecticut Statutes.

3.  To the extent so provided under the Contracts, that portion of the assets of
    the Account equal to the reserves and other contract liabilities with
    respect to the Account will not be chargeable with liabilities arising out
    of any other business that the Company may conduct.

4.  The Contracts, when issued as contemplated by the Form N-4 Registration
    Statement, will constitute legal, validly issued and binding obligations of
    the Company.

I hereby consent to the filing of this opinion as an exhibit to the Form N-4
registration statement for the Contracts and the Account.

Sincerely yours,

/s/ Lynda Godkin

Lynda Godkin



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