ITT HARTFORD LIFE & ANNUITY INSUR CO SEPARATE ACCOUNT THREE
485BPOS, EX-10, 2000-09-22
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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. 33-80732 for Hartford Life and Annuity
Insurance Company Separate Account Three on Form N-4.

                                                      /s/ Arthur Andersen LLP
Hartford, Connecticut
September 20, 2000





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