HARTFORD LIFE INS CO PUTNAM CAPITAL MGR TR SEPARATE ACCT TWO
N-4/A, EX-10, 2000-07-17
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                                                             ARTHUR ANDERSEN LLP



                    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. 333-36132 for Hartford Life Insurance Company
Putnam Capital Manager Trust Separate Account on Form N-4.


                                                         /s/ Arthur Andersen LLP
Hartford, Connecticut
July 17, 2000



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