HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
497J, 1999-10-05
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                                                             HARTFORD LIFE



                                                             LINDA M. HERNANDEZ
                                                             Legal Specialist


October 5, 1999



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

Re:  Hartford Life Insurance Company
     Separate Account Two - Nations Variable Annuity
     File No. 333-41213

Ladies and Gentlemen:

In accordance with Rule 497(j) under the Securities Act of 1933, this is to
certify that the Prospectus and Statement of Additional Information contained in
Post-Effective Amendment No. 4 to the Registration Statement for the above
referenced Registrant does not differ from that which was filed electronically
on September 22, 1999. In reliance upon paragraph (j) of Rule 497, the
Prospectus and Statement of Additional Information are not included herewith.

If you have any questions regarding this submission, please contact the
undersigned at (860) 843-5228.

Sincerely yours,

/s/ Linda M. Hernandez

Linda M. Hernandez

Enclosure



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