<PAGE>
THE DIRECTOR VARIABLE ANNUITY
HARTFORD LIFE INSURANCE COMPANY
SUPPLEMENT DATED OCTOBER 20, 1995 TO THE DIRECTOR VARIABLE ANNUITY
PROSPECTUS DATED MAY 1, 1995
The subsection entitled "What is HL?" should read as follows:
What is HL?
Hartford Life Insurance Company ("HL") was originally incorporated under
the laws of Massachusetts on June 5, 1902. It was subsequently redomiciled
to Connecticut. It is a stock life insurance company engaged in the
business of writing health and life insurance, both ordinary and group,
in all states of the United States and the District of Columbia. The
offices of HL are located in Simsbury, Connecticut; however, its mailing
address is P.O. Box 5085, Hartford, CT 06102-5085. Hartford Life is
ultimately 100% owned by Hartford Fire Insurance Company, one of the
largest multiple lines insurance carriers in the United States. Hartford
Fire Insurance Company is a subsidiary of ITT Corporation. Hartford Life
Insurance Company is rated A+ (superior) by A.M. Best and Company, Inc. on
the basis of its financial soundness and operating performance. Hartford
Life Insurance Company has an AA+ rating from both Standard and Poor's
and Duff and Phelps on the basis of its claims-paying ability.
These ratings do not apply to the performance of the Separate Account.
However, the Contractual obligations under the variable annuity are the
general corporate obligations of Hartford Life. These ratings do apply to
Hartford Life's ability to meet its insurance obligations under the
Contract.
33-6952