HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
497J, 1999-10-06
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                                                              [LOGO]
                                                              HARTFORD LIFE



October 6, 1999




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

Re:  Hartford Life Insurance Company
     Separate Account Two ("Registrant")
     Series I of The BB&T Director variable annuity
     File No. 33-73570

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. 29 to the Registration Statement for the above
referenced Registrant does not differ from that which was filed electronically
on September 21, 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) 843-3149.

Yours sincerely,

/s/ Marta A. Czekajewski

Marta A. Czekajewski



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