HARTFORD LIFE INSURANCE CO SEPARATE ACCOUNT THREE
485BPOS, EX-10, 2000-09-22
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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. 33-80738 for Hartford Life Insurance Company
Separate Account Three on Form N-4.

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


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