HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO
497J, 2000-03-24
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March 24, 2000



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

Re:  Hartford Life Insurance Company Separate Account Two ("Registrant")
     Nations variable annuity
     File No. 333-41213

Ladies and Gentlemen:

Pursuant to Rule 497(j) under the Securities Act of 1933, we hereby certify
that:

     (1)  the form of Prospectus and Statement of Additional Information that
          would have been filed under paragraph (c) of Rule 497 would not have
          differed from that contained in the most recent post-effective
          amendment; and

     (2)  the most recent post-effective amendment has been filed electronically
          with the Securities and Exchange Commission on March 10, 2000.

If you should have any questions regarding the foregoing, please feel free to
contact me at (860) 843-6733.

Sincerely,

/s/ Marianne O'Doherty

Marianne O'Doherty
Counsel


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