HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO, 497J, 1999-09-21

HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
497J, 1999-09-21

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                                                 LINDA M. HERNANDEZ
                                                 Legal Specialist


September 21, 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 - NatCity 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. 1 to the Registration Statement for the above
referenced Registrant does not differ from that which was filed electronically
on September 3, 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