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PUTNAM CAPITAL MANAGER VARIABLE ANNUITY
ITT Hartford Life and Annuity Insurance Company
Supplement Dated January 22, 1997 to the Putnam Capital Manager Variable
Annuity Prospectus Dated May 1, 1996, Revised Effective January 2, 1997
Add the following paragraph to the subsection entitled "D. Individual
Retirement Annuities Under Section 408" on page 26:
IRA's generally may not invest in life insurance contracts. However, an
annuity that is used as an IRA may provide a death benefit that equals
the greater of the premiums paid and the annuity's cash value. The
Contract offers an enhanced Death Benefit that may exceed the greater of
the Contract Value and total Premium Payments less prior surrenders. For
Contracts issued in most states, ITT Hartford has obtained approval from
the Internal Revenue Service to use the Contract as an IRA. For Contracts
issued in New York, ITT Hartford has asked the Internal Revenue Service
to approve use of the Contract as an IRA, but there is no assurance that
approval will be granted.
HV-2108-1
33-73572
