HARTFORD LIFE INSURANCE CO SEPARATE ACCOUNT VL II
497, 1996-05-10
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                             ALLISON S. MACINNIS
                             Legal Specialist


May 9, 1996


Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Attention: Filing Room

RE:  Hartford Life Insurance Company Registration Statements Filed on Form S-6
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          Separate Account VL II                      #33-89990
          Separate Account Five (SPVL)                #33-83654

     ITT Hartford Life and Annuity Insurance Company Registration Statements 
     Filed on Form S-6
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          Separate Account VL II                      #33-89988
          Separate Account Five (SPVL)                #33-83650


Dear Sir/Madam:

Pursuant to Rule 497(j) and in lieu of filing final printed prospectuses, we 
hereby certify respecting the above-captioned registration statements on Form 
S-6 that:

(1)  the form of prospectus that would have been filed under Rule 497 would 
     not have differed from that contained in the most recent amendment to the 
     registration statement, and

(2)  the text of the most recent amendment to the registration statement has
     been filed electronically.

Sincerely,

/s/ Allison S. MacInnis

Allison S. MacInnis


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