HARTFORD LIFE & ACCIDENT INSURANCE CO SEPARATE ACCT ONE
497J, 1995-05-09
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[ITT HARTFORD LETTERHEAD]

May 5, 1995


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

RE: HARTFORD LIFE INSURANCE COMPANY REGISTRATION STATEMENTS FILED ON FORM N-4

         DC Variable Account I - #33-19944
         DC Variable Account I - #33-19947
         Separate Account Two (DC-II)(TDA) - #33-19950
         Separate Account Two (DC-II)(G&W) - #33-19946
         Separate Account Two (DC-ll) - #33-19949
         Separate Account Two (NQ) - #33-19943
         Separate Account Two (Variable Account A) - #33-19945
         Separate Account Two (Director) - #33-6952
         Separate Account Two (Director) - #33-73570
         Separate Account Two (PCMT) - #33-17207
         Separate Account (PCMT) - #33-73566
         Separate Account Three (Dean Witter) - #33-80738

    HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY REGISTRATION STATEMENTS FILED
    ON FORM N-4

         Separate Account One (Director) - #33-43398
         Separate Account One (PCMT) - #33-46160

    ITT HARTFORD LIFE AND ANNUITY INSURANCE COMPANY REGISTRATION STATEMENTS
    FILED ON FORM N-4

         Separate Account One (Director) - #33-56790
         Separate Account One (Director) - #33-73568
         Separate Account Two (PCMT) - #33-60702


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Filing Room
May 5, 1995
Page 2


RE: (Cont.)
         Separate Account Two (PCMT) - #33-73572
         Separate Account Three (Dean Witter) - #33-80732
         Separate Account Six (NBD Bank) - #33-86330

Dear Sir/Madam:

Pursuant to Rule 497(j) and in lieu of filing final printed prospectuses, we
hereby certify respecting the above-captioned registration statements on Form
N-4 that:

(1) the form of prospectus and Statement of Additional Information that would
have been filed under Rule 497 would not have differed from that contained in
the most recent amendment to the registration statement, and

(2) the text of the most recent amendment to the registration statement has
been filed electronically.

Sincerely,

/s/ Rodney J. Vessels
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Rodney J. Vessels




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