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<PAGE> PUTNAM HARTFORD CAPITAL MANAGER VARIABLE ANNUITY HARTFORD LIFE INSURANCE COMPANY SUPPLEMENT DATED AUGUST 5, 1999 TO THE PROSPECTUS DATED MAY 3, 1999 FOR PUTNAM HARTFORD CAPITAL MANAGER VARIABLE ANNUITY Effective September 1, 1999, New York no longer has a unique DCA Plus Program. Please delete the last two sentences of the first paragraph entitled, "Dollar Cost Averaging Plus ("DCA Plus") Program" under the Fixed Accumulation section of your prospectus. HV-2389 33-73566
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