HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
485BPOS, EX-9, 2000-06-26
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June 26, 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.  333-69489

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 Contracts.

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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