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PUTNAM CAPITAL MANAGER VARIABLE ANNUITY
HARTFORD LIFE INSURANCE COMPANY
SUPPLEMENT DATED NOVEMBER 14, 1996
TO THE PUTNAM CAPITAL MANAGER VARIABLE ANNUITY PROSPECTUS
DATED MAY 1, 1996
The provisions under "Guaranteed Death Benefit" appearing on Page 15 are revised
to read as follows:
GUARANTEED DEATH BENEFIT: If the Annuitant dies before the Annuity
Commencement Date and there is no designated Contingent Annuitant
surviving, or if the Contract Owner dies before the Annuity Commencement
Date, the Beneficiary will receive the greatest of (a) the Contract
Value determined as of the day written proof of death of such person is
received by Hartford Life, or (b) 100% of the total Premium Payments
made to such Contract, reduced by any prior surrenders, or (c) the
Maximum Anniversary Value immediately preceding the date of death. The
Maximum Anniversary Value is equal to the greatest Anniversary Value
attained from the following:
As of the date of receipt of due proof of death, the Company will
calculate an Anniversary Value for each Contract Anniversary prior to
the deceased's attained age 81. The Anniversary Value is equal to the
Contract Value on a Contract Anniversary, increased by the dollar amount
of any premium payments made since that anniversary and reduced by the
dollar amount of any partial surrenders since that anniversary.
If the Annuitant or Contract Owner, as applicable, dies after the
Annuity Commencement Date, then the Death Benefit will equal the present
value of any remaining payments under the elected Annuity Option.
HV-2079
