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 fixed payout annuity contracts 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 fixed payout annuity contracts 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