<PAGE>
THE DIRECTOR PLUS
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
SUPPLEMENT DATED MARCH 7, 2000 TO THE
PROSPECTUS DATED MARCH 6, 2000
Hartford has filed an application with the Securities and Exchange Commission
seeking an exemption that will allow Hartford to "take back" or recapture the
Payment Enhancements credited:
In the 24 months prior to the Annuity Calculation Date, In the 12
months prior to the date we receive notice of death, Upon purchase, if
you cancel your Annuity during the right to cancel period and, In
certain circumstances, under the nursing home waiver.
Until Hartford receives the exemption, Hartford will only take back the Payment
Enhancement credited upon purchase if you choose to cancel your contract during
the "right to cancel" period. If you exercise your right to cancel, Hartford
will take back an amount equal to the Payment Enhancement. In the event that the
stock market declines, Hartford will only take back the Payment Enhancement as
diminished by any negative investment performance.
THIS PROSPECTUS SUPPLEMENT MUST BE ACCOMPANIED
BY THE
PROSPECTUS FOR THE DIRECTOR PLUS DATED
MARCH 6, 2000
333-91933
HV-2614
