ITT HARTFORD LIFE & ANNUITY INSURANCE CO SEPARATE ACCOUNT ON
497, 1996-10-07
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                         THE DIRECTOR VARIABLE ANNUITY
                ITT HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
 
      SUPPLEMENT DATED SEPTEMBER 24, 1996 TO THE DIRECTOR VARIABLE ANNUITY
                          PROSPECTUS DATED MAY 1, 1996
 
The subsection entitled "ITT Harford Life and Annuity Insurance Company" should
read as follows:
 
                ITT HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
 
    ITT Hartford Life and Annuity Insurance Company ("ITT Hartford"), formerly
ITT Life Insurance Corporation, was originally incorporated under the laws of
Wisconsin on January 9, 1956. ITT Hartford was redomiciled to Connecticut on May
1, 1996. It is a stock life insurance company engaged in the business of writing
both individual and group life insurance and annuities in all states including
the District of Columbia, except New York. The offices of ITT Hartford are
located in Minneapolis, Minnesota; however, its mailing address is P.O. Box
5085, Hartford, Connecticut 06102-5085.
 
    ITT Hartford is a wholly owned subsidiary of Hartford Life Insurance
Company. ITT Hartford is ultimately 100% owned by Hartford Fire Insurance
Company, one of the largest multiple lines insurance carriers in the United
States. On December 20, 1995, Hartford Fire Insurance Company became an
independent, publicly traded corporation.
 
    ITT Hartford is rated A+ (superior) by A.M. Best and Company, Inc. on the
basis of its financial soundness and operating performance. ITT Hartford is
rated AA by Standard & Poor's and AA+ by Duff and Phelps on the basis of its
claims paying ability.
 
    These ratings do not apply to the performance of the Separate Account.
However, the Contractual obligations under this variable annuity are the general
corporate obligations of ITT Hartford. These ratings do apply to ITT Hartford's
ability to meet its insurance obligations under the Contract.
 
33-73568


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