<PAGE>
PUTNAM HARTFORD CAPITAL MANAGER VARIABLE ANNUITY
HARTFORD LIFE INSURANCE COMPANY
SUPPLEMENT DATED DECEMBER 23, 1998 TO THE PROSPECTUS DATED MAY 1, 1998
Under the section entitled, "Charges Under the Contract," the subsection
entitled "Confinement in a Hospital, Long Term Care Facility or Nursing
Home," should be deleted and replaced with the following:
CONFINEMENT IN A HOSPITAL, LONG TERM CARE FACILITY OR NURSING HOME - Hartford
will waive any Sales Charge applicable to a partial or full surrender if the
Contract Owner, joint Contract Owner, or Annuitant is confined, at the
recommendation of a physician for medically necessary reasons, for at least
180 calendar days to: a hospital recognized as a general hospital by the
proper authority of the state in which it is located; or a hospital
recognized as a general hospital by the Joint Commission on the Accreditation
of Hospitals; or a facility certified as a hospital or long-term care
facility; or a nursing home licensed by the state in which it is located and
offers the services of a registered nurse 24 hours a day.
The Contract Owner, joint Contract Owner, or Annuitant cannot be
confined at the time the Contract was purchased in order to receive this
waiver and the Contract Owner(s) must have been the Contract Owner(s)
continuously since the Contract issue date; must provide written proof of
confinement satisfactory to Hartford; and must request the partial or full
surrender within 91 calendar days of the last day of confinement.
This waiver may not be available in all states. Please contact your
registered representative or Hartford to determine availability.
HV-2315
33-73566
