AMENDMENT NO. 3 PRINCIPAL UNDERWRITER AGREEMENT THIS AMENDMENT, amends that certain Principal Underwriter Agreement dated June 26, 1995, made by and between Hartford Life Insurance Company and Hartford Securities Distribution Company, Inc. as follows:...

                                AMENDMENT NO. 3
                        PRINCIPAL UNDERWRITER AGREEMENT

THIS AMENDMENT, amends that certain Principal Underwriter Agreement dated June
26, 1995, made by and between Hartford Life Insurance Company and Hartford
Securities Distribution Company, Inc. as follows:

       1.   Any and all references to the "Contract" shall refer to those
            contracts listed in Schedule A attached hereto and made a part
            hereof.

       2.   All other terms and provisions of the Agreement not amended herein
            shall remain in full force and effect.

Effective date: ▇▇▇▇▇ ▇, ▇▇▇▇

▇▇▇▇▇▇▇▇ LIFE INSURANCE COMPANY          HARTFORD SECURITIES DISTRIBUTION
                                         COMPANY, INC.

By:   /s/ ▇▇▇▇▇▇ ▇▇▇▇▇                   By:   /s/ ▇▇▇▇▇▇ ▇▇▇▇▇
      ---------------------------------        ---------------------------------
      ▇▇▇▇▇▇ ▇▇▇▇▇                             ▇▇▇▇▇▇ ▇▇▇▇▇
      Executive Vice President                 Executive Vice President/Business
                                               Line Principal



                                   SCHEDULE A

                                   CONTRACTS

                      CRC (Compound Rate Contract)
                      CRC Select (Compound Rate Contract)
                      CRC Generations (Compound Rate Contract)
                      CRC Select II (Compound Rate Contract)
                      CRC Select III (Compound Rate Contract)
                      CRC Access (Compound Rate Contract)
                      CRC Harvester (Compound Rate Contract)