HARTFORD LIFE INSURANCE CO SEPARATE ACCOUNT THREE
485BPOS, EX-10, 2000-09-12
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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. 333-69493 for Hartford Life Insurance Company
Separate Account Three on Form N-4.



Hartford, Connecticut                                    /s/ Arthur Andersen LLP
September 12, 2000



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