Exhibit 24(d)

                     THE TRAVELERS LIFE AND ANNUITY COMPANY

                                POWER OF ATTORNEY


KNOW ALL MEN BY THESE PRESENTS:

     That I, EDWARD W. CASSIDY of South Windsor, Connecticut, Director, and
Executive Vice President of The Travelers Life and Annuity Company (hereafter
the "Company"), do hereby make, constitute and appoint ERNEST J. WRIGHT,
Secretary of said Company, and KATHLEEN A. McGAH, Assistant Secretary of said
Company, or either one of them acting alone, my true and lawful
attorney-in-fact, for me, and in my name, place and stead, to sign registration
statements on behalf of said Company on Form S-2 or other appropriate form under
the Securities Act of 1933 for registered fixed account options to be offered by
said Company, and further, to sign any and all amendments thereto, including
pre-effective and post-effective amendments, that may be filed by the Company on
behalf of said registrant.

     IN WITNESS WHEREOF, I have hereunto set my hand this 4th day of March,
2005.


                                          /S/EDWARD W. CASSIDY
                                          Director, and Executive Vice President
                                          The Travelers Life and Annuity Company

                     THE TRAVELERS LIFE AND ANNUITY COMPANY

                                POWER OF ATTORNEY


KNOW ALL MEN BY THESE PRESENTS:

     That I, WILLIAM P. KRIVOSHIK of Wilton, Connecticut, Director, Senior Vice
President and Chief Information Officer of The Travelers Life and Annuity
Company (hereafter the "Company"), do hereby make, constitute and appoint ERNEST
J. WRIGHT, Secretary of said Company, and KATHLEEN A. McGAH, Assistant Secretary
of said Company, or either one of them acting alone, my true and lawful
attorney-in-fact, for me, and in my name, place and stead, to sign registration
statements on behalf of said Company on Form S-2 or other appropriate form under
the Securities Act of 1933 for registered fixed account options to be offered by
said Company, and further, to sign any and all amendments thereto, including
pre-effective and post-effective amendments, that may be filed by the Company on
behalf of said registrant.

     IN WITNESS WHEREOF, I have hereunto set my hand this 4th day of March,
2005.



                           /S/ WILLIAM P. KRIVOSHIK
                           Director, Senior Vice President and Chief Information
                           Officer
                           The Travelers Life and Annuity Company