<PAGE>
SELECT DIMENSIONS VARIABLE ANNUITY
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY
SEPARATE ACCOUNT THREE
SUPPLEMENT DATED OCTOBER 13, 1999 TO THE PROSPECTUS DATED MAY 3, 1999
The following sentence should be added in the Summary under the sub-section
"Will Hartford pay a death benefit?" as the last sentence of the paragraph
describing the Interest Accumulation Value, and as the last sentence of the
sub-section entitled "Determination of the Death Benefit" in the "Death
Benefits" section:
The Optional Death Benefit may not be available if the Contract Owner or
Annuitant is age 75 or older.
Due to a typographical error, the term "Contract Value" should be replaced with
"Death Benefit" in the third sentence of the second paragraph of the section
entitled "Death Benefits".
The second paragraph of the sub-section "Surrenders after the Annuity
Commencement Date" in the section entitled "Surrenders" should be replaced with
the following:
Partial Surrenders are permitted after the Annuity Commencement Date if you
elect a variable dollar amount payment under the Payments for a Period
Certain Settlement Option, but check with your tax advisor because there
may be adverse tax consequences.
333-69491
HV-2517
