HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
497J, 1999-11-02
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                                                          LINDA M. HERNANDEZ
                                                          Legal Specialist


November 2, 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 - The Huntington Director Variable Annuity
    File No. 333-69485

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. 3 to the Registration Statement for the above
referenced Registrant does not differ from that which was filed
electronically on October 25, 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 me
at (860) 843-5228.

Sincerely yours,

/s/ Linda M. Hernandez

Linda M. Hernandez




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