HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
485BPOS, EX-15, 2000-12-29
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                   HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

                                POWER OF ATTORNEY

                                  David T. Foy
                                 Thomas M. Marra
                             Christine Hayer Repasy
                                Lowndes A. Smith
                                 John C. Walters
                              David M. Znamierowski

do hereby jointly and severally authorize Christine Hayer Repasy, Marianne
O'Doherty, Christopher M. Grinnell, Thomas S. Clark and Marta A. Collins to sign
as their agent any Registration Statement, pre-effective amendment,
post-effective amendment and any application for exemptive relief of the
Hartford Life and Annuity Insurance Company under the Securities Act of 1933
and/or the Investment Company Act of 1940, and do hereby ratify such signatures
heretofore made by such persons.

IN WITNESS WHEREOF, the undersigned have executed this Power of Attorney for the
purpose herein set forth.

/s/ David T. Foy                                  Dated as of November 20, 2000
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David T. Foy

/s/ Thomas M. Marra                               Dated as of November 20, 2000
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Thomas M. Marra

/s/ Christine Hayer Repasy                        Dated as of November 20, 2000
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Christine Hayer Repasy

/s/ Lowndes A. Smith                              Dated as of November 20, 2000
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Lowndes A. Smith

/s/ John C. Walters                               Dated as of November 20, 2000
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John C. Walters

/s/ David M. Znamierowski                         Dated as of November 20, 2000
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David M. Znamierowski


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