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<PAGE>
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. 333-45301 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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