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PUTNAM CAPITAL MANAGER VARIABLE ANNUITY
HARTFORD LIFE INSURANCE COMPANY
SUPPLEMENT DATED DECEMBER 14, 1999 TO THE PROSPECTUS DATED OCTOBER 1, 1999
FOR PUTNAM CAPITAL MANAGER SERIES I-IV VARIABLE ANNUITY
The third paragraph under the "Death Benefit - Optional Death Benefit Rider"
section on page 49 of the prospectus should read as follows:
The Interest Accumulation Value is equal to the Contract Value on the date
this Optional Death Benefit Rider is added plus any Premium Payments after
that date minus any partial surrenders taken after the Optional Death Benefit
was added, compounded daily at an annual rate of 5%. If you have taken any
partial Surrenders, the interest Accumulation Value will be adjusted to
reduce the Optional Death Benefit proportionally for any partial Surrenders.
HV-2544-0
33-17207
