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<PAGE>
THE DIRECTOR VARIABLE ANNUITY
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
SUPPLEMENT DATED AUGUST 5, 1999 TO THE PROSPECTUS DATED MAY 3, 1999
FOR THE DIRECTOR 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- 2396
33-56790
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