<PAGE>
STAG PROTECTOR
VARIABLE UNIVERSAL LIFE INSURANCE
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
SUPPLEMENT DATED FEBRUARY 29, 2000 TO THE PROSPECTUS DATED NOVEMBER 1, 1999
As of March 6, 2000 in the "Fee Tables" section, in the "Annual Charges Other
Than Fund Operating Expenses" table, in the "Cost of Insurance Charges row,
under the "Amount Deducted" column, in the third sentence, the minimum
monthly cost of insurance rate of $.0143 per 1,000 of the maximum monthly
cost of insurance range should be replaced with a minimum monthly cost of
insurance rate of $.0567 per 1,000.
The three "Illustration of the Death Benefit" tables in the "Illustration of
Benefits" section of the Statement of Additional Information should be replaced
with the following three tables:
<PAGE>
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
DEATH BENEFIT OPTION: LEVEL
$250,000 FACE AMOUNT
ISSUE AGE 35 MALE PREFERRED NON-NICOTINE
$1,875 PLANNED PREMIUM
ASSUMING HYPOTHETICAL GROSS ANNUAL INVESTMENT RETURN OF 12% (11.29% NET)
<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------
CURRENT CHARGES* GUARANTEED CHARGES**
- -----------------------------------------------------------------------------------------------------------------------------------
End of Premiums Account Cash Surrender Death Benefit Account Value Cash Death Benefit
Contract Year Accumulated at Values Value Surrender
5% Interest Value
Per Year
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C>
1 1,969 1,153 0 250,000 1,121 - 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
2 4,036 2,493 523 250,000 2,045 75 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
3 6,206 3,972 2,097 250,000 3,037 1,162 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
4 8,486 5,602 4,477 250,000 4,100 2,975 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
5 10,879 7,403 6,465 250,000 5,241 4,304 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
6 13,391 9,387 8,637 250,000 6,461 5,711 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
7 16,030 11,574 11,011 250,000 7,765 7,203 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
8 18,800 13,982 13,607 250,000 9,161 8,786 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
9 21,709 16,639 16,452 250,000 10,654 10,467 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
10 24,763 19,554 19,554 250,000 12,251 12,251 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
11 27,970 23,323 23,323 250,000 14,452 14,452 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
12 31,337 27,481 27,481 250,000 16,829 16,829 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
13 34,872 32,066 32,066 250,000 19,398 19,398 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
14 38,585 37,125 37,125 250,000 22,173 22,173 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
15 42,483 42,709 42,709 250,000 25,174 25,174 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
16 46,576 48,873 48,873 250,000 28,417 28,417 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
17 50,873 55,688 55,688 250,000 31,916 31,916 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
18 55,386 63,222 63,222 250,000 35,690 35,690 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
19 60,124 71,556 71,556 250,000 39,755 39,755 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
20 65,099 80,784 80,784 250,000 44,136 44,136 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
25 93,963 144,365 144,365 250,000 72,160 72,160 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
30 130,801 252,223 252,223 307,711 114,571 114,571 250,000
- -----------------------------------------------------------------------------------------------------------------------------------
</TABLE>
* These values reflect investment results using current cost of insurance
rates, administrative fees, and Mortality and Expense Risk rates.
** These values reflect investment results using guaranteed cost of insurance
rates, administrative fees, and Mortality and Expense Risk rates.
These values reflect Current Front-End Sales Loads of 8% in year 1 and 4%
thereafter, and Guaranteed Front-End Sales Loads of 8% in policy years 1
through 20 and 6% thereafter. The surrender charge effective in any year
can be determined by subtracting the cash surrender value from the account
value.
The Death Benefit may, and the Account Values and Cash Surrender Values
will differ if premiums are paid in different amounts or frequencies.
THE HYPOTHETICAL INVESTMENT RESULTS SHOWN ABOVE AND ELSEWHERE IN THIS
PROSPECTUS ARE ILLUSTRATIVE ONLY AND SHOULD NOT BE DEEMED A REPRESENTATION OF
PAST OR FUTURE INVESTMENT RESULTS. ACTUAL INVESTMENT RESULTS MAY BE MORE OR OF
LESS THAN THOSE SHOWN. THE DEATH BENEFIT, ACCOUNT VALUE AND CASH SURRENDER VALUE
FOR A POLICY WOULD BE DIFFERENT FROM THOSE SHOWN IF ACTUAL INVESTMENT RETURN
APPLICABLE TO THE POLICY AVERAGE 12% OVER A PERIOD OF YEARS, BUT ALSO FLUCTUATED
ABOVE OR BELOW THAT AVERAGE FOR INDIVIDUAL POLICY YEARS. THE DEATH BENEFIT,
ACCOUNT VALUE AND CASH SURRENDER VALUE FOR A POLICY WOULD ALSO BE DIFFERENT FROM
THOSE SHOWN, DEPENDING ON THE INVESTMENT ALLOCATIONS MADE TO THE SEPARATE
ACCOUNTS AND THE RATES OF RETURN OF THE SEPARATE ACCOUNT IF THE ACTUAL RATES OF
INVESTMENT RETURN APPLICABLE TO THE POLICY AVERAGED 12%, BUT VARIED ABOVE OR
BELOW THAT AVERAGE FOR THE SEPARATE ACCOUNT. NO REPRESENTATION CAN BE MADE THAT
THIS HYPOTHETICAL RATE OF RETURN CAN BE ACHIEVED FOR ANY ONE YEAR OR SUSTAINED
OVER ANY PERIOD OF TIME.
<PAGE>
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
DEATH BENEFIT OPTION: LEVEL
$250,000 FACE AMOUNT
ISSUE AGE 35 MALE PREFERRED NON-NICOTINE
$1,875 PLANNED PREMIUM
ASSUMING HYPOTHETICAL GROSS ANNUAL INVESTMENT RETURN OF 6% (5.29% NET)
<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------
CURRENT CHARGES* GUARANTEED CHARGES**
- ----------------------------------------------------------------------------------------------------------------------------------
End of Premiums Account Cash Surrender Death Benefit Account Value Cash Death Benefit
Contract Accumulated at Values Value Surrender
Year 5% Interest Value
Per Year
- ----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C>
1 1,969 1,073 0 250,000 1,042 - 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
2 4,036 2,258 288 250,000 1,827 - 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
3 6,206 3,494 1,619 250,000 2,618 743 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
4 8,486 4,783 3,658 250,000 3,414 2,289 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
5 10,879 6,129 5,191 250,000 4,212 3,274 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
6 13,391 7,531 6,781 250,000 5,005 4,255 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
7 16,030 8,990 8,428 250,000 5,791 5,228 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
8 18,800 10,508 10,133 250,000 6,567 6,192 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
9 21,709 12,090 11,903 250,000 7,327 7,140 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
10 24,763 13,722 13,722 250,000 8,068 8,068 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
11 27,970 15,925 15,925 250,000 9,251 9,251 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
12 31,337 18,211 18,211 250,000 10,426 10,426 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
13 34,872 20,578 20,578 250,000 11,588 11,588 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
14 38,585 23,028 23,028 250,000 12,729 12,729 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
15 42,483 25,563 25,563 250,000 13,843 13,843 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
16 46,576 28,182 28,182 250,000 14,917 14,917 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
17 50,873 30,893 30,893 250,000 15,935 15,935 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
18 55,386 33,695 33,695 250,000 16,877 16,877 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
19 60,124 36,590 36,590 250,000 17,723 17,723 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
20 65,099 39,580 39,580 250,000 18,452 18,452 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
25 93,963 55,997 55,997 250,000 19,679 19,679 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
30 130,801 74,695 74,695 250,000 12,775 12,775 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
</TABLE>
* These values reflect investment results using current cost of insurance
rates, administrative fees, and Mortality and Expense Risk rates.
** These values reflect investment results using guaranteed cost of insurance
rates, administrative fees, and Mortality and Expense Risk rates.
These values reflect Current Front-End Sales Loads of 8% in year 1 and 4%
thereafter, and Guaranteed Front-End Sales Loads of 8% in policy years 1
through 20 and 6% thereafter. The surrender charge effective in any year
can be determined by subtracting the cash surrender value from the account
value.
The Death Benefit may, and the Account Values and Cash Surrender Values
will differ if premiums are paid in different amounts or frequencies.
THE HYPOTHETICAL INVESTMENT RESULTS SHOWN ABOVE AND ELSEWHERE IN THIS
PROSPECTUS ARE ILLUSTRATIVE ONLY AND SHOULD NOT BE DEEMED A REPRESENTATION OF
PAST OR FUTURE INVESTMENT RESULTS. ACTUAL INVESTMENT RESULTS MAY BE MORE OR OF
LESS THAN THOSE SHOWN. THE DEATH BENEFIT, ACCOUNT VALUE AND CASH SURRENDER VALUE
FOR A POLICY WOULD BE DIFFERENT FROM THOSE SHOWN IF ACTUAL INVESTMENT RETURN
APPLICABLE TO THE POLICY AVERAGE 6% OVER A PERIOD OF YEARS, BUT ALSO FLUCTUATED
ABOVE OR BELOW THAT AVERAGE FOR INDIVIDUAL POLICY YEARS. THE DEATH BENEFIT,
ACCOUNT VALUE AND CASH SURRENDER VALUE FOR A POLICY WOULD ALSO BE DIFFERENT FROM
THOSE SHOWN, DEPENDING ON THE INVESTMENT ALLOCATIONS MADE TO THE SEPARATE
ACCOUNTS AND THE RATES OF RETURN OF THE SEPARATE ACCOUNT IF THE ACTUAL RATES OF
INVESTMENT RETURN APPLICABLE TO THE POLICY AVERAGED 6%, BUT VARIED ABOVE OR
BELOW THAT AVERAGE FOR THE SEPARATE ACCOUNT. NO REPRESENTATION CAN BE MADE THAT
THIS HYPOTHETICAL RATE OF RETURN CAN BE ACHIEVED FOR ANY ONE YEAR OR SUSTAINED
OVER ANY PERIOD OF TIME.
<PAGE>
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
DEATH BENEFIT OPTION: LEVEL
$250,000 FACE AMOUNT
ISSUE AGE 35 MALE PREFERRED NON-NICOTINE
$1,875 PLANNED PREMIUM
ASSUMING HYPOTHETICAL GROSS ANNUAL INVESTMENT RETURN OF 0% (-.71% NET)
<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------
CURRENT CHARGES* GUARANTEED CHARGES**
- ----------------------------------------------------------------------------------------------------------------------------------
End of Premiums Account Cash Surrender Death Benefit Account Value Cash Death Benefit
Contract Accumulated Values Value Surrender
Year at 5% Interest Value
Per Year
- ----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C>
1 1,969 994 0 250,000 964 0 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
2 4,036 2,033 63 250,000 1,619 0 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
3 6,206 3,055 1,180 250,000 2,237 361 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
4 8,486 4,059 2,934 250,000 2,814 1,689 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
5 10,879 5,047 4,110 250,000 3,350 2,413 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
6 13,391 6,016 5,266 250,000 3,839 3,089 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
7 16,030 6,965 6,403 250,000 4,277 3,715 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
8 18,800 7,893 7,518 250,000 4,664 4,289 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
9 21,709 8,803 8,615 250,000 4,995 4,808 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
10 24,763 9,678 9,678 250,000 5,267 5,267 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
11 27,970 10,999 10,999 250,000 5,921 5,921 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
12 31,337 12,279 12,279 250,000 6,502 6,502 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
13 34,872 13,511 13,511 250,000 7,005 7,005 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
14 38,585 14,693 14,693 250,000 7,425 7,425 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
15 42,483 15,824 15,824 250,000 7,756 7,756 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
16 46,576 16,898 16,898 250,000 7,985 7,985 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
17 50,873 17,918 17,918 250,000 8,099 8,099 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
18 55,386 18,876 18,876 250,000 8,083 8,083 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
19 60,124 19,771 19,771 250,000 7,919 7,919 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
20 65,099 20,599 20,599 250,000 7,589 7,589 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
25 93,963 23,532 23,532 250,000 3,011 3,011 250,000
- ----------------------------------------------------------------------------------------------------------------------------------
30 130,801 23,511 23,511 250,000 - - -
- ----------------------------------------------------------------------------------------------------------------------------------
</TABLE>
* These values reflect investment results using current cost of insurance
rates, administrative fees, and Mortality and Expense Risk rates.
** These values reflect investment results using guaranteed cost of insurance
rates, administrative fees, and Mortality and Expense Risk rates.
These values reflect Current Front-End Sales Loads of 8% in year 1 and 4%
thereafter, and Guaranteed Front-End Sales Loads of 8% in policy years 1
through 20 and 6% thereafter. The surrender charge effective in any year
can be determined by subtracting the cash surrender value from the account
value.
The Death Benefit may, and the Account Values and Cash Surrender Values
will differ if premiums are paid in different amounts or frequencies.
THE HYPOTHETICAL INVESTMENT RESULTS SHOWN ABOVE AND ELSEWHERE IN THIS
PROSPECTUS ARE ILLUSTRATIVE ONLY AND SHOULD NOT BE DEEMED A REPRESENTATION OF
PAST OR FUTURE INVESTMENT RESULTS. ACTUAL INVESTMENT RESULTS MAY BE MORE OR OF
LESS THAN THOSE SHOWN. THE DEATH BENEFIT, ACCOUNT VALUE AND CASH SURRENDER VALUE
FOR A POLICY WOULD BE DIFFERENT FROM THOSE SHOWN IF ACTUAL INVESTMENT RETURN
APPLICABLE TO THE POLICY AVERAGE 0% OVER A PERIOD OF YEARS, BUT ALSO FLUCTUATED
ABOVE OR BELOW THAT AVERAGE FOR INDIVIDUAL POLICY YEARS. THE DEATH BENEFIT,
ACCOUNT VALUE AND CASH SURRENDER VALUE FOR A POLICY WOULD ALSO BE DIFFERENT FROM
THOSE SHOWN, DEPENDING ON THE INVESTMENT ALLOCATIONS MADE TO THE SEPARATE
ACCOUNTS AND THE RATES OF RETURN OF THE SEPARATE ACCOUNT IF THE ACTUAL RATES OF
INVESTMENT RETURN APPLICABLE TO THE POLICY AVERAGED 0%, BUT VARIED ABOVE OR
BELOW THAT AVERAGE FOR THE SEPARATE ACCOUNT. NO REPRESENTATION CAN BE MADE THAT
THIS HYPOTHETICAL RATE OF RETURN CAN BE ACHIEVED FOR ANY ONE YEAR OR SUSTAINED
OVER ANY PERIOD OF TIME.
