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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 part of this
Registration Statement File No. 333-52711 for Hartford Life Insurance Company
Separate Account Three on Form N-4.
/s/ Arthur Andersen LLP
Hartford, Connecticut
December 26, 2000
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