HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
485BPOS, EX-10, 2000-08-18
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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 to all references to our Firm) included in or made a part of this
Registration Statement File No. 333-91925 for Hartford Life Insurance Company
Separate Account Two on Form N-4.



Hartford, Connecticut                                    /s/ Arthur Andersen LLP
August 18, 2000




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