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THE DIRECTOR VARIABLE ANNUITY
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
SUPPLEMENT DATED DECEMBER 14, 1999 TO THE PROSPECTUS DATED OCTOBER 1, 1999
FOR THE DIRECTOR SERIES IV - V VARIABLE ANNUITY
The third paragraph under the "Death Benefit - Optional Death Benefit Rider"
section on page 29 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-2543-0
33-56790
