SUPPLEMENT DATED FEBRUARY 10, 2005 TO THE
                                              CONTRACT PROSPECTUSES LISTED BELOW

The following information supplements your annuity contract prospectus. Please
retain this supplement and keep it with your contract prospectus.

On January 31, 2005, CITIGROUP INC. announced that it has agreed to sell its
life insurance and annuity businesses to METLIFE, INC. The proposed sale would
include the following insurance companies that issue the annuity contract
described in your prospectus:

       o  The Travelers Insurance Company
       o  The Travelers Life and Annuity Company

The transaction is subject to certain domestic and international regulatory
approvals, as well as other customary conditions to closing. The transaction is
expected to close this summer. Under the terms of the transaction, The Travelers
Insurance Company will distribute its ownership of Primerica Life Insurance
Company and certain other assets, including shares of Citigroup preferred stock,
to Citigroup Inc., or its subsidiaries prior to the closing. The Travelers
Insurance Company has filed a current report on Form 8-K on February 2, 2005
with additional information about the transaction, including pro forma financial
information. The filing can be found at the SEC's Internet website at
http://www.sec.gov.

The transaction will not affect the terms or conditions of your annuity
contract, and The Travelers Insurance Company or The Travelers Life and Annuity
Company will remain fully responsible for their respective contractual
obligations to annuity contract owners.

SUPPLEMENT TO THE FOLLOWING CONTRACT PROSPECTUSES DATED MAY 3, 2004:
REGISTERED FIXED ACCOUNT OPTION
TRAVELERS TARGET MATURITY
TRAVELERS TARGET MATURITY WITH OPTIONAL PRINCIPAL PROTECTION FEATURE
T-MARK
THE TRAVELERS INSURANCE COMPANY FIXED ANNUITY


February 2005                                                            L-24486