HARTFORD LIFE INS CO PUTNAM CAPITAL MGR TR SEPARATE ACCT TWO
485BPOS, EX-9, 2000-12-29
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                                       [LOGO]
                                       HARTFORD LIFE




December 29, 2000                       CHRISTINE HAYER REPASY
                                        Senior Vice President, General Counsel &
                                        Corporate Secretary

Board of Directors
Hartford Life Insurance Company
200 Hopmeadow Street
Simsbury, CT  06089

RE:  HARTFORD LIFE INSURANCE COMPANY PUTNAM CAPITAL MANAGER TRUST SEPARATE
     ACCOUNT
     FILE NO. 333-69439

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 Putnam Capital Manager Trust Separate Account (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/ Christine Hayer Repasy

Christine Hayer Repasy




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