THE TRAVELERS INSURANCE COMPANY AND SUBSIDIARIES


                                                                   Exhibit 99.01


                    CERTIFICATION OF CEO AND CFO PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the Quarterly Report of The Travelers Insurance Company (the
"Company") on Form 10-Q for the quarterly period ended September 30, 2002 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), George C. Kokulis, as Chief Executive Officer of the Company, and
Glenn D. Lammey, as Chief Financial Officer of the Company, each hereby
certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, that:

      (1) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

      (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.

/s/ George C. Kokulis
- -----------------------------
George C. Kokulis
Chief Executive Officer

November 14, 2002



/s/ Glenn D. Lammey
- -----------------------------
Glenn D. Lammey
Chief Financial Officer

November 14, 2002



This certification accompanies the Report pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and shall not, except to the extent required by
the Sarbanes-Oxley Act of 2002, be deemed filed by the Company for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.



                                       42