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<PAGE>
ARTHUR ANDERSEN
CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
-----------------------------------------
As independent public accounts, 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. 333-35000 for Hartford Life Insurance Company Separate
Account Three on Form N-4.
/s/ Arthur Andersen LLP
Hartford, Connecticut
October 9, 2000
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