HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
485BPOS, EX-10, 2000-09-22
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                                                                 ARTHUR ANDERSEN


                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
                    -----------------------------------------


As independent public accountants, we hereby consent to the use of our reports
(and all references to our Firm) included in or made a part of this Registration
Statement File No. 333-66343 for Hartford Life Insurance Company Separate
Account Two on Form N-4.


Hartford, Connecticut                                   /s/  Arthur Andersen LLP
September 20, 2000



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