SUPPLEMENT DATED SEPTEMBER 1, 2005 TO THE
TRAVELERS RETIREMENT ACCOUNT ANNUITY PROSPECTUS

THE FOLLOWING INFORMATION SUPPLEMENTS, AND TO THE EXTENT INCONSISTENT THEREWITH,
REPLACES THE INFORMATION IN THE PROSPECTUS. PLEASE RETAIN THIS SUPPLEMENT AND
KEEP IT WITH THE PROSPECTUS FOR FUTURE REFERENCE.

CHART ASSET ALLOCATION PROGRAM Effective September 1, 2005, the maximum charge
for the CHART Asset Allocation Program is decreasing to 0.75% annually. The
charge is deducted as a partial surrender on a quarterly basis from amounts held
in the program. The level of the charge depends on the amount of your Contract
Value allocated to the program and is as follows:

ANNUAL INVESTMENT
CONTRACT VALUE EQUAL ADVISORY FEE FOR
TO OR GREATER THAN BUT LESS THAN CHART PROGRAM
- ---------------------- --------------- -------------------
$0 $25,000 0.75%
$25,000 $50,000 0.75%
$50,000 $75,000 0.50%
$75,000 $100,000 0.35%
$100,000 $250,000 0.25%
$250,000 $500,000 0.15%
$500,000+ 0.10%

The CHART program is offered by one of our affiliates, CitiStreet Financial
Services LLC ("CFS"). When the charge is deducted from your Contract Value, we
send the amount of the charge to CFS. Each time the charge is deducted, it will
appear on your statement of account.

The charge is assessed at fixed intervals during the year, every three months,
regardless of when you start or stop your enrollment in the program. If you
enroll in the program immediately after a fee assessment date, you will not
incur a charge for the program until nearly three months later. Conversely, if
you terminate your enrollment in the program immediately after a fee assessment
date, you will not receive a refund for any "unused" portion of the fee.

Your CHART charge for the period that includes September 1, 2005, will be
revised to reflect the fee schedule shown above for the portion of the period
occurring on or after September 1, 2005. The revised CHART charge will appear on
your statement of account.

The annual fee to participate in the CHART program is in addition to any
Contract fees and charges. Partial surrenders made to pay program fees will
reduce your Contract Value, the guaranteed minimum death benefit, and the amount
available for free withdrawals. PLEASE CONSULT WITH YOUR INVESTMENT PROFESSIONAL
TO DISCUSS THE PROGRAM.

Effective September 1, 2005, CFS became an indirect wholly-owned subsidiary of
MetLife, Inc. CFS is no longer affiliated with Citigroup Inc. or State Street
Bank and Trust Company.

The CHART program may be changed or discontinued at any time.

In the "Summary" section under the sub-section "What expenses will be assessed
under the Contract?", the following is added:

If you select and are eligible for the CHART asset allocation program, the
maximum charge is 0.75% annually deducted from amounts in the Variable Funding
Options.

In the "Summary" section under the sub-section "Are there any additional
features?", the following is added:

o CHART ASSET ALLOCATION PROGRAM. You may be eligible to enter into a
separate investment advisory agreement with CitiStreet Financial
Services LLC ("CFS"), an affiliate of the Company, for the purpose of
receiving asset allocation advice under CFS's CHART Program (the
"program"). Under the program, participants allocate Contract Value
according to asset allocation models developed by CFS in consultation
with CRA/RogersCasey, Inc., a well-known investment consulting firm.
The program is not a part of the Contract issued by the Company, and
you are not required to participate in the program. The program is
fully described in a separate disclosure statement prepared by CFS.

In the "Fee Table" section, the following is added:

CHART ASSET ALLOCATION PROGRAM

The following table describes the annual investment advisory fee for clients who
enter into an investment advisory agreement to participate in CFS's CHART asset
allocation program. The annual fee is applied to the participant's current
Contract Value. Fees payable for participating in the program are deducted on a
quarterly basis from the Contract as a partial surrender.

ANNUAL INVESTMENT
CONTRACT VALUE EQUAL ADVISORY FEE FOR
TO OR GREATER THAN BUT LESS THAN CHART PROGRAM
- ---------------------- --------------- ---------------------
$0 $25,000 0.75%
$25,000 $50,000 0.75%
$50,000 $75,000 0.50%
$75,000 $100,000 0.35%
$100,000 $250,000 0.25%
$250,000 $500,000 0.15%
$500,000+ 0.10%

In the "Fee Table" section, under the "Examples," the following is added:

EXAMPLE 2 -- This example assumes that you have elected the most expensive death
benefit option and the CHART program at the maximum fee. Under the CHART
program, you choose to enter into a separate investment advisory agreement with
CFS for the purpose of receiving asset allocation advice. The example assumes
that your Contract Value is allocated to the most expensive and least expensive
Underlying Funds; however, under the program, your Contract Value is currently
allocated amongst four Underlying Funds, each of which is substantially less
expensive than the example reflecting the maximum total operating expenses. The
program is not part of the Contract issued by the Company.

IF CONTRACT IS SURRENDERED AT THE IF CONTRACT IS NOT SURRENDERED OR
END OF PERIOD SHOWN: ANNUITIZED AT END OF PERIOD SHOWN:
----------------------------------- ------------------------------------
FUNDING OPTION 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS
- --------------- ------- -------- -------- --------- ------- -------- --------- ---------

Underlying Fund with Minimum Total
Annual Operating Expenses 745 1054 1390 2756 245 754 1290 2756
Underlying Fund with Maximum Total
Annual Operating Expenses 881 1458 2053 4027 381 1158 1953 4027

In the section entitled "Charges and Deductions," the sub-section "CHART Asset
Allocation Program Charges" is replaced with the following:

CHART ASSET ALLOCATION PROGRAM FEE

If you are a participant in the CHART Program, there is an additional fee.
Please see the "CHART Asset Allocation Program" sub-section under the section
"Asset Allocation Programs" in this prospectus.

Under the "Transfers" section, the following is added:

CHART ASSET ALLOCATION PROGRAM
- --------------------------------------------------------------------------------

GENERAL

Asset allocation is a method of investment diversification that allocates assets
among asset classes with the goal of managing investment risk and potentially
enhancing returns over the long term. An asset Class refers to a category of
investments having similar characteristics, such as stocks/equities, bonds/
fixed income, and cash equivalents. There are often further divisions among
wider asset classes, for example, classes representing company size (large cap,
mid cap, and small cap), and classes representing foreign and U.S. investments.

Asset allocation strategies reflect the theory that diversification among asset
classes can help reduce volatility over the long term. THERE IS NO ASSURANCE
THAT INVESTMENT RETURNS WILL BE BETTER THROUGH PARTICIPATION IN AN ASSET
ALLOCATION PROGRAM -- INVESTMENTS MAY STILL LOSE MONEY AND EXPERIENCE
VOLATILITY.

THE ASSET ALLOCATION PROGRAM DESCRIBED BELOW IS NOT A PART OF THE CONTRACT
ISSUED BY THE COMPANY. THE COMPANY IS NOT REGISTERED AS AN INVESTMENT ADVISER,
AND IS NOT OFFERING INVESTMENT ADVICE IN MAKING AVAILABLE THE ASSET ALLOCATION
PROGRAM.

CHART ASSET ALLOCATION PROGRAM

An affiliate of the Company, CitiStreet Financial Services LLC ("CFS"), offers
an asset allocation program to participants of qualified retirement plans who
own the Contract individually or are participants in a group Contract owned by
the plan (collectively, "participants"). The program, called "CHART", is
available for an additional asset-based fee that is payable by the participant
to CFS for offering the program. When a participant elects the program ("program
participant"), he or she must enter into an investment advisory agreement with
CFS. CFS has a fiduciary obligation with respect to program participants. CFS
may not offer the program to all purchasers of the Contract.

Affiliates of CFS, CitiStreet Associates LLC, a licensed insurance agency, and
CitiStreet Equities LLC, a broker-dealer, may receive compensation payable by
the Company for selling the Contract to your plan and for additional
contributions made by plan participants. CFS, CitiStreet Associates LLC, and
CitiStreet Equities LLC are subsidiaries of CitiStreet Retirement Services LLC,
an indirect wholly-owned subsidiary of MetLife, Inc.

THE FOLLOWING IS A GENERAL DESCRIPTION OF THE CHART PROGRAM - A COMPLETE
DESCRIPTION IS AVAILABLE IN THE DISCLOSURE STATEMENT FOR THE PROGRAM. NOTE:
THERE ARE LIMITATIONS ON THE INVESTMENT ADVISORY ACTIVITIES THAT CFS'S
REPRESENTATIVES CAN PERFORM FOR PROGRAM PARTICIPANTS. PLEASE REFER TO THE
DISCLOSURE STATEMENT AND OTHER DOCUMENTS THAT CFS IS REQUIRED TO PROVIDE TO YOU.

Participants who enter into an investment advisory agreement with CFS to
participate in the program are authorizing CFS to allocate their Contract Value
according to asset allocation

models developed in consultation with CRA/RogersCasey, Inc., a well-known
investment consulting firm. When electing the program, a program participant
must complete a questionnaire designed to evaluate his or her risk tolerance and
investment time horizon. Based on the results of the questionnaire, participants
are matched to an investor profile. Each investor profile establishes allocation
percentages among four "program funds", each of which is a Variable Funding
Option offered under the Contract. Currently, the program funds are CitiStreet
International Stock Fund, CitiStreet Small Company Stock Fund, CitiStreet Large
Company Stock Fund and CitiStreet Diversified Bond Fund. Each of the program
funds is advised by CitiStreet Funds Management LLC, an affiliate of CFS.

Periodically, CFS reviews its investment model and each investor profile, and
may make changes to the allocation percentages between the asset classes of the
investor profiles, may change the number of asset classes, or may change the
program funds. If, as a result of such review, a change is made to an investor
profile, CFS will notify program participants in advance of the change, and the
participant will have the opportunity to reject the change.

At any time, a program participant can request a change to his or her investor
profile or the allocation of his or her Contract Value amongst the Variable
Funding Options, or can elect to terminate the program. Participants are
encouraged to regularly reconsider their investor profile or allocation by
calling CFS for a review at the phone number provided in the investment advisory
agreement. Participants are encouraged to do this at least once a year. In
addition, program participants will receive a quarterly performance report from
the Company that provides information about the Variable Funding Options.

Only the program funds are available for use with the CHART program. A program
participant can elect to have his or her Contract Value "rebalanced" among the
program funds on a monthly, quarterly, semi-annual, or annual basis, to maintain
the asset allocation percentages originally selected according to the model
portfolio or a customized portfolio.

PROGRAM FEES - DEDUCTIONS FROM CONTRACT VALUE

CFS charges an annual asset-based fee to participate in the program as a
percentage of the participant's Contract Value, as described in the table below.

Please refer to the disclosure statement for the program for a detailed
description of how and when the annual program fee is calculated and when it is
deducted.

The annual fee to participate in the program is in addition to any Contract fees
and charges. Fees payable for participating in the program are deducted on a
quarterly basis from the Contract as a partial surrender. Partial surrenders
made to pay program fees will reduce the participant's Contract Value, the
guaranteed minimum death benefit, and the amount available for free withdrawals.
PLEASE CONSULT WITH YOUR INVESTMENT PROFESSIONAL TO DISCUSS THE PROGRAM.

Under the section entitled "Distribution of Variable Annuity Contracts," the
paragraph entitled "CitiStreet Equities LLC/CitiStreet Associates LLC" is
replaced with the following:

CITISTREET EQUITIES LLC/CITISTREET ASSOCIATES LLC. The Company and TDLLC have
entered into a selling agreement with CitiStreet Equities LLC. CitiStreet
Equities LLC and its affiliate, CitiStreet Associates LLC, are affiliates of the
Company and MetLife, Inc. Registered representatives of CitiStreet Equities LLC,
who are properly licensed and appointed, may offer the Contract to customers. In
addition to compensation described above, CitiStreet Equities LLC receives
compensation for the hiring and training of sales representatives and for
meeting certain gross sales goals and net sales goals (sales less redemptions)
which may cause CitiStreet Equities LLC or its representatives to favor the
Company's products. The Company has also entered into an agreement with
CitiStreet Associates LLC whereby the Company pays CitiStreet Associates LLC
fees in connection with CitiStreet Associates' provision of certain
administrative, recordkeeping, marketing and support services in relation to
annuity contracts sold by CitiStreet Equities LLC in connection with Section
401(a), 401(k), 403(b), 457(b) and 408(b) plans. Any compensation payable to
CitiStreet Associates LLC or CitiStreet Equities LLC will be made by TDLLC or
the Company out of its own assets and will not result in any additional direct
charge to you.

CitiStreet is a service mark of Citigroup Inc. or its affiliates and is used by
MetLife, Inc. and its affiliates under license.

L-24550 September, 2005