SECOND AMENDMENT TO THE RETAIL FUND PARTICIPATION AGREEMENT

           SECOND AMENDMENT TO THE RETAIL FUND PARTICIPATION AGREEMENT

                                     Between

                       OPPENHEIMERFUNDS DISTRIBUTOR, INC.,

                            OPPENHEIMERFUNDS SERVICES

                                       And

                         HARTFORD LIFE INSURANCE COMPANY

THIS AMENDMENT, dated as of the 1st day of February, 2003, between HARTFORD LIFE
INSURANCE COMPANY ("Company"), OPPENHEIMERFUNDS DISTRIBUTOR, INC. (the
"Distributor") and OPPENHEIMERFUNDS SERVICES ("OFS"), a division of
OppenheimerFunds, Inc., is made to the Retail Fund Participation Agreement dated
September 20, 2000, as amended on May 1, 2002.

WHEREAS, the parties desire to amend the Agreement to allow for the addition of
a certain Fund or Funds.

NOW, THEREFORE, the parties agree as follows:

1.   The existing Schedule B shall be replaced in its entirely by the attached
     Schedule B.

2    This Amendment may be executed in counterparts, each of which shall be an
     original and both of which shall constitute one instrument.

IN WITNESS HEREOF, the parties hereto have executed and delivered this Amendment
effective as of the date first written above.

HARTFORD LIFE INSURANCE COMPANY          OPPENHEIMERFUNDS DISTRIBUTOR, INC.

By:    /s/ Xxxxx X. Xxxxx
       -------------------------------
Name:  Xxxxx X. Xxxxx                    By: /s/ Xxxx X. Xxxxx
       -------------------------------       ----------------------------------
Title: Vice President, Corporate         Xxxx X. Xxxxx, Senior Vice President
       Retirement Plans                  Director of Retirement Plans
       -------------------------------
                                         OPPENHEIMERFUNDS SERVICES, a division
                                         of OppenheimerFunds, Inc.

                                         By: /s/ Xxxxxx Xxxx
                                             ----------------------------------
                                         Xxxxxx Xxxx
                                         Senior Vice President

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                                   SCHEDULE B

                  (List of funds available - See Section 1(a))

                        Xxxxxxxxxxx Global Fund (Class A)

                     Xxxxxxxxxxx Xxxx Xxxxxx Xxxx (Xxxxx X)

                      Xxxxxxxxxxx Xxxxxxxxxx Xxxx (Xxxxx X)

                   Xxxxxxxxxxx Strategic Income Fund (Class A)

                 Xxxxxxxxxxx Capital Appreciation Fund (Class A)

                 Xxxxxxxxxxx Global Opportunities Fund (Class A)

                 Xxxxxxxxxxx Xxxxxxxxxxxxx Xxxxxx Xxxx (Xxxxx X)

                  Xxxxxxxxxxx Quest Opportunity Fund (Class A)

                 Xxxxxxxxxxx Quest Balanced Value Fund (Class A)

                Xxxxxxxxxxx Xxxx Xxxxxx Xxxxx Xxx Xxxx (Xxxxx X)

                  Xxxxxxxxxxx Developing Markets Fund (Class A)

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