HARTFORD LIFE INSURANCE CO SEPARATE ACCOUNT THREE
N-4/A, EX-9, 2000-07-07
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                                                [LOGO]
                                                [HARTFORD LIFE]


July 5, 2000                                    Lynda Godkin
                                                Senior Vice President, General
                                                Counsel & Corporate Secretary


Board of Directors
Hartford Life Insurance Company
200 Hopmeadow Street
Simsbury, CT  06089

RE:      SEPARATE ACCOUNT THREE
         HARTFORD LIFE INSURANCE COMPANY
         File No. 333-35000

Dear Sir/Madam:

I have acted as General Counsel to Hartford Life Insurance Company (the
"Company"), a Connecticut insurance company, and Hartford Life Insurance Company
Separate Account Three (the "Account") in connection with the registration of an
indefinite amount of securities in the form of variable annuity contracts (the
"Contracts") with the Securities and Exchange Commission under the Securities
Act of 1933, as amended. I have examined such documents (including the Form N-4
Registration Statement) and reviewed such questions of law as I considered
necessary and appropriate, and on the basis of such examination and review, it
is my opinion that:

1.       The Company is a corporation duly organized and validly existing as a
         stock life insurance company under the laws of the State of Connecticut
         and is duly authorized by the Insurance Department of the State of
         Connecticut to issue the Contracts.

2.       The Account is a duly authorized and validly existing separate account
         established pursuant to the provisions of Section 38a-433 of the
         Connecticut Statutes.

3.       To the extent so provided under the Contracts, that portion of the
         assets of the Account equal to the reserves and other contract
         liabilities with respect to the Account will not be chargeable with
         liabilities arising out of any other business that the Company may
         conduct.

4.       The Contracts, when issued as contemplated by the Form N-4 Registration
         Statement, will constitute legal, validly issued and binding
         obligations of the Company.

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Board of Directors
July 5, 2000
Page 2

I hereby consent to the filing of this opinion as an exhibit to the Form N-4
Registration Statement for the Contracts and the Account.

Sincerely,

/s/ Lynda Godkin

Lynda Godkin



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