HARTFORD LIFE INS CO PUTNAM CAPITAL MGR TR SEPARATE ACCT TWO
485BPOS, EX-10, 2000-12-29
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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 to all references to our Firm) included in or made a part of
this Registration Statement File No. 333-69439 for Hartford Life Insurance
Company Putnam Capital Manager Trust Separate Account on Form N-4.



Hartford, Connecticut                                    /s/ Arthur Andersen LLP
December 26, 2000





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