HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT ONE
497J, 1995-05-08
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                          [ITT HARTFORD LETTERHEAD]

May 5, 1995


Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Attention: Filing Room


RE:  Hartford Life Insurance Company Registration Statements Filed on Form S-6

         Stag VLI - #33-53692
         Separate Account Five (SPVL) - #33-83654
         Separate Account Five (SPVL/PCM) - #33-83656
         Separate Account One (Builder) - #2-98140

     ITT Hartford Life and Annuity Insurance Company Registration Statements
     Filed on Form S-6

         Separate Account Five (SPVL) - #33-83650
         Separate Account Five (SPVL/PCM) - #33-83652

Dear Sir/Madam:

Pursuant to Rule 497(j) and in lieu of filing final printed prospectuses, we
hereby certify respecting the above-captioned registration statements on
Form S-6 that:

(1) the form of prospectus and Statement of Additional Information that would
have been filed under Rule 497 would not have differed from that contained in
the most recent amendment to the registration statement, and

(2) the text of the most recent amendment to the registration statement has
been filed electronically.

Sincerely,

/s/ Rodney J. Vessels
- ---------------------
Rodney J. Vessels


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