<PAGE>
[LOGO]
[COMPANY]
January 19, 2001
Christine Hayer Repasy
Senior Vice President, General Counsel &
Corporate Secretary
Board of Directors
Hartford Life Insurance Company
200 Hopmeadow Street
Simsbury, CT 06089
RE: MODIFIED GUARANTEED ANNUITY CONTRACT
HARTFORD LIFE INSURANCE COMPANY
File No. 333-46376
Dear Sir/Madam:
This opinion is furnished in connection with the registration under the
Securities Act of 1933, as amended, of a certain group and individual
Deferred Annuity Contract (the "Contract") that will be offered and sold by
Hartford Life Insurance Company (the "Company") and certain units of interest
to be issued in connection with the Contract. I have examined such documents
(including the Form S-2 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 Contract.
2. The form of the Contract that will be issued by the Company has been
filed in states where it is eligible for approval and upon issuance will
be valid and binding upon the Company.
I hereby consent to the use of this opinion as an exhibit to the Form S-2
Registration Statement and to the reference to my name under the heading
"Legal Opinions" in the prospectus included as a part of such Form S-2.
Sincerely,
/s/ Christine Hayer Repasy
Christine Hayer Repasy
