<PAGE>
GROUP VARIABLE ANNUITY CONTRACTS
HARTFORD LIFE INSURANCE COMPANY
SUPPLEMENT DATED JANUARY 1, 1997 TO THE PROSPECTUS DATED MAY 1, 1996
FOR THE GENERAL ACCOUNT OPTION
The following is added to page 7:
How do I transfer assets between Sub-Accounts or change my Sub-Account
allocations?
Transfers between Sub-Accounts and changes in Sub-Account allocations
may be made by written request or by calling toll free 1-800-771-3051.
Any transfers or changes made in writing will be effected as of the date
the request is received by Hartford Life at its home office, P.O. Box
2999, Hartford, CT 06104-2999. The policy of Hartford Life and its
agents and affiliates is that they will not be responsible for losses
resulting from acting upon telephone requests reasonably believed to be
genuine. Hartford Life will employ reasonable procedures to confirm that
instructions communicated by telephone are genuine; otherwise, Hartford
Life may be liable for any losses due to unauthorized or fraudulent
instructions. The procedures Hartford Life follows for transactions
initiated by telephone include requirements that Participants identify
themselves by their group number, participant number and social security
number. All transfer instructions by telephone are recorded.
May I systematically transfer assets to the Sub-Accounts?
If, during the Accumulation Period, the portion of your contract values
held under the General Account option is at least $5,000, or the value
of your Accumulation Units held under the Money Market Fund Sub-Account
is at least $5,000, you may choose to have a specified dollar amount
transferred from either the General Account option or the Money Market
Fund Sub-Account, whichever meets the applicable minimum value, to other
Sub-Accounts of the Separate Account at monthly, quarterly, semi-annual
or annual intervals. This is known as Dollar Cost Averaging. The main
objective of a Dollar Cost Averaging program is to minimize the impact
of short term price fluctuations. Since the same dollar amount is
transferred to other Sub-Accounts at set intervals, more units are
purchased in a Sub-Account if the value per unit is low and less units
are purchased if the value per unit is high. Therefore, a lower average
cost per unit may be achieved over the long term. A Dollar Cost
Averaging program allows investors to take advantage of market
fluctuations. However, it is important to understand that Dollar Cost
Averaging does not assure a profit or protect against a loss in
declining markets.
The minimum amount that may be transferred to any one Sub-Account at a
transfer interval is $100. The transfer date will be the monthly,
quarterly, semi-annual or annual anniversary, as applicable, of your
first transfer under your initial Dollar Cost Averaging election. The
first transfer will commence within five (5) business days after
Hartford Life receives your initial election in good order subject to
the telephone transfer procedures detailed above. The dollar amount will
be allocated to the Sub-Accounts that you specify, in the proportions
that you specify on the appropriate election form provided by Hartford
Life. You may specify a maximum of five (5) Sub-Accounts. If, on any
transfer date, your General Account values or the value of your
Accumulation Units under the Money Market Fund Sub-Account, as
applicable, less than the amount you have elected to have transferred,
your Dollar Cost Averaging program will end. You may cancel your Dollar
Cost Averaging election by notice to Hartford Life in writing or by
calling 1-800-528-9009 and giving notice to a Hartford Life
representative on our recorded line.
HV-2095
33-17324
