METLIFE INSURANCE COMPANY OF CONNECTICUT
----------------------------------------
REGISTERED FIXED ACCOUNT OPTION
SUPPLEMENT DATED NOVEMBER 7, 2006
TO PROSPECTUS DATED NOVEMBER 7, 2006

The following information supplements, and to the extent inconsistent therewith,
replaces the information in the prospectus. This supplement should be read in
its entirety and kept together with your prospectus for future reference. Please
contact us at 1-800-233-3591, if you have any questions.

1. The attached prospectus is now dated November 7, 2006. Accordingly, at the
bottom of the first page, where it states, "Prospectus dated May 1, 2006,"
change the date to "November 7, 2006".

2. On the first page, delete the last sentence of the fourth paragraph and
replace it with the following:

"MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900,
Irvine, CA 92614, is the principal underwriter and distributor of the
Contracts."

3. The entire Chapter entitled "Distribution Of The Contracts" is superseded
by the following:

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DISTRIBUTION OF THE CONTRACT

DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT. MetLife Insurance Company of
Connecticut and MetLife Life and Annuity Company of Connecticut (together the
"Company") have appointed MLI Distribution LLC (formerly, Travelers Distribution
LLC) ("MLIDLLC") to serve as the principal underwriter and distributor of the
securities offered through this prospectus, pursuant to the terms of a
Distribution and Principal Underwriting Agreement. MLIDLLC, which is an
affiliate of the Company, also acts as the principal underwriter and distributor
of other annuity contracts and variable annuity contracts and variable life
insurance policies issued by the Company and its affiliated companies. The
Company reimburses MLIDLLC for expenses MLIDLLC incurs in distributing the
Contracts (e.g., commissions payable to retail broker-dealers who sell the
Contracts). MLIDLLC does not retain any fees under the Contracts. Effective on
or about October 20, 2006, the principal underwriter and distributor of the
Contracts, MLIDLLC merged with and into MetLife Investors Distribution Company
("MIDC"). MIDC is a wholly-owned subsidiary of MetLife Investors Group, Inc.,
which in turn is a wholly-owned subsidiary of MetLife, Inc. MIDC's principal
executive offices are located at 5 Park Plaza, Suite 1900, Irvine, CA 92614. It
is not anticipated that the merger will have an impact on the distribution of
the Contracts or the level of compensation paid in connection with such
distribution.

MIDC is registered as a broker-dealer with the Securities and Exchange
Commission ("SEC") under the Securities Exchange Act of 1934, as well as the
securities commissions in the states in which it operates, and is a member of
the National Association of Securities Dealers, Inc. ("NASD").

MIDC and the Company enter into selling agreements with affiliated and
unaffiliated broker-dealers who are registered with the SEC and are members of
the NASD, and with entities that may offer the Contracts but are exempt from
registration. Applications for the Contract are solicited by registered
representatives who are associated persons of such affiliated or unaffiliated
broker-dealer firms. Such representatives act as appointed agents of the Company
under applicable state insurance law and must be licensed to sell variable
insurance products. The Company intends to offer the Contract in all
jurisdictions where it is licensed to do business and where the Contract is
approved. The Contracts are offered on a continuous basis.

COMPENSATION. Broker-dealers who have selling agreements with MIDC and the
Company are paid compensation for the promotion and sale of the Contracts.
Registered representatives who solicit sales of the Contract typically receive a
portion of the compensation payable to the broker-dealer firm. The amount the
registered representative receives depends on the agreement between the firm and
the registered representative. This agreement may also provide for the payment
of other types of cash and non-cash compensation and other benefits. A
broker-dealer firm or registered representative of a firm may receive different

compensation for selling one product over another and/or may be inclined to
favor one product provider over another product provider due to differing
compensation rates.

We generally pay compensation as a percentage of purchase payments invested in
the Contract. Alternatively, we may pay lower compensation on purchase payments
but pay periodic asset-based compensation based on all or a portion of the
Contract/Certificate Value. The amount and timing of compensation may vary
depending on the selling agreement but is not expected to exceed 10% of Purchase
Payments (if up-front compensation is paid to registered representatives) and up
to 2% annually of average Contract/Certificate Value (if asset-based
compensation is paid to registered representatives).

The Company and MIDC have also entered into preferred distribution arrangements
with certain broker-dealer firms. These arrangements are sometimes called "shelf
space" arrangements. Under these arrangements, the Company and MIDC pay
separate, additional compensation to the broker-dealer firm for services the
broker-dealer provides in connection with the distribution of the Company's
products. These services may include providing the Company with access to the
distribution network of the broker-dealer, the hiring and training of the
broker-dealer's sales personnel, the sponsoring of conferences and seminars by
the broker-dealer, or general marketing services performed by the broker-dealer.
The broker-dealer may also provide other services or incur other costs in
connection with distributing the Company's products.

These preferred distribution arrangements will not be offered to all
broker-dealer firms and the terms of such arrangements may differ between
broker-dealer firms. Compensation payable under such arrangements may be based
on aggregate, net or anticipated sales of the Contracts, total assets
attributable to sales of the Contract by registered representatives of the
broker-dealer firm or based on the length of time that a Contract Owner has
owned the Contract. Any such compensation payable to a broker-dealer firm will
be made by MIDC or the Company out of their own assets and will not result in
any additional direct charge to you. Such compensation may cause the
broker-dealer firm and its registered representatives to favor the Company's
products. The Company and MIDC have entered into preferred distribution
arrangements with its affiliates Tower Square Securities, Inc. and as well as
with unaffiliated broker-dealer firms. The Company may enter into similar
agreements with its other affiliates, Metropolitan Life Insurance Company,
Walnut Street Securities, Inc. and New England Securities Corporation. A list of
the unaffiliated broker-dealer firms which have entered into such arrangements
is available on our website.

SALE OF THE CONTRACTS BY AFFILIATES OF THE COMPANY. The Company and MIDC may
offer the Contracts through retail broker-dealer firms that are affiliates of
the Company, including Tower Square Securities, Inc., Metropolitan Life
Insurance Company, Walnut Street Securities, Inc. and New England Securities
Corporation. The compensation paid to affiliated broker-dealer firms for sales
of the Contracts is generally not expected to exceed, on a present value basis,
the percentages described above. These broker-dealer firms pay their registered
representatives all or a portion of the commissions received for their sales of
Contracts; some firms may retain a portion of commissions. The amount the
broker-dealer firms pass on to their registered representatives is determined in
accordance with their internal compensation programs. These programs may also
include other types of cash compensation, such as bonuses, equity awards (such
as stock options), training allowances, supplementary salary, financing
arrangements, marketing support, medical and other insurance benefits,
retirement benefits, non-qualified deferred compensation plans, and other
benefits. For registered representatives of certain affiliates, the amount of
this additional cash compensation is based primarily on the amount of
proprietary products sold and serviced by the representative. Proprietary
products are those issued by the Company or its affiliates. The managers who
supervise these registered representatives may also be entitled to additional
cash compensation based on the sale of proprietary products by their
representatives. Because the additional cash compensation paid to these
registered representatives and their managers is primarily based on sales of
proprietary products, these registered representatives and their managers have
an incentive to favor the sale of proprietary products over other products
issued by non-affiliates.

described above based on sales of proprietary products. Because sales of
proprietary products are a factor determining the percentage of gross dealer
concessions and/or the amount of additional compensation to which MetLife
registered representatives are entitled, they have an incentive to favor the
sale of proprietary products. In addition, because their sales managers'
compensation is based on the sales made by the representatives they supervise,
these sales managers also have an incentive to favor the sale of proprietary
products.

The Company's affiliates also offer their registered representatives and their
managers non-cash compensation incentives, such as conferences, trips, prizes
and awards. Other non-cash compensation payments may be made for other services
that are not directly related to the sale of products. These payments may
include support services in the form of recruitment and training of personnel,
production of promotional materials and similar services.

4. Under the Chapter entitled "Incorporation Of Certain Documents By
Reference" delete the second paragraph and replace it with the following:

The Company's latest annual report on Form 10-K for both The Travelers Insurance
Company (now known as MetLife Insurance Company of Connecticut) and The
Travelers Life and Annuity Company (now known as MetLife Life and Annuity
Company of Connecticut) have been filed with the Commission. It is incorporated
by reference into this prospectus. The Form 10-K for the period ended December
31, 2005 contains additional information about the Company, including
consolidated audited financial statements for the Company's latest fiscal year.
The Travelers Insurance Company filed its Form 10-K on March 31, 2006 via EDGAR
File No. 033-03094. MetLife Insurance Company of Connecticut filed Form 8-Ks on
September 22, 2006 which also include the consolidated audited financial
statements for the period ended December 31, 2005 and on October 12, 2006. The
Form 8-Ks are incorporated by reference into this prospectus. The Travelers Life
and Annuity Company filed its Form 10-K on March 31, 2006 via EDGAR File No.
033-58677. All other reports filed by the Company pursuant to Section 13(a) or
15(d) of the Exchange Act (such as quarterly and periodic reports) or proxy or
information statements filed pursuant to Section 14 of the Exchange Act since
the end of the fiscal year ending December 31, 2005 are also incorporated by
reference into this prospectus.

5. Under the Chapter entitled "EXPERTS" under the subheading "Independent
Registered Public Account Firms", delete the first paragraph and replace it
with the following:

METLIFE INSURANCE COMPANY OF CONNECTICUT (FORMERLY, THE TRAVELERS INSURANCE
COMPANY)

The consolidated financial statements and related financial statement schedules
of The Travelers Insurance Company (the "Company") incorporated in this
prospectus by reference from the Company's Form 8-K, filed on September 22, 2006
for the year ended December 31, 2005 have been audited by Deloitte & Touche LLP,
an independent registered public accounting firm, as stated in their report,
which is incorporated herein by reference (which report expresses an unqualified
opinion and includes an explanatory paragraph referring to the acquisition of
the Company by MetLife Inc. on July 1, 2005 and the application of the purchase
method of accounting to the assets and liabilities of the Company as required by
the U.S. Securities and Exchange Commission Staff Accounting Bulletin 5.J., Push
Down Basis of Accounting Required in Certain Limited Circumstances and such
assets and liabilities were measured at their fair values as of the acquisition
date in conformity with Statement of Financial Accounting Standards No.141,
Business Combinations) as of December 31, 2005 and the related consolidated
statements of income, stockholder's equity, and cash flows for the six months
ended December 31, 2005 (SUCCESSOR), and June 30, 2005 (PREDECESSOR) and the
consolidated financial statement schedules as of December 31, 2005 (SUCCESSOR),
and the six months ended December 31, 2005 (SUCCESSOR), and June 30, 2005
(PREDECESSOR), and have been so incorporated in reliance upon the reports of
such firm given upon their authority as experts in accounting and auditing.

Book 29 November 7, 2006

METLIFE INSURANCE COMPANY OF CONNECTICUT
METLIFE LIFE AND ANNUITY COMPANY OF CONNECTICUT

REGISTERED FIXED ACCOUNT OPTION
FOR USE WITH ANNUITY CONTRACTS

The Fixed Account Option described in this prospectus is available only in
conjunction with certain group variable annuity contracts (the "Contracts"
and/or "Certificates") issued by MetLife Insurance Company of Connecticut
(formerly, The Travelers Insurance Company)* or MetLife Life and Annuity Company
of Connecticut (formerly, The Travelers Life and Annuity Company)* (each, a
"Company") and funded by MetLife of CT Separate Account QP for Variable
Annuities (formerly, The Travelers Separate Account QP for Variable Annuities),
MetLife of CT Separate Account Five for Variable Annuities (formerly, The
Travelers Separate Account Five for Variable Annuities) or MetLife of CT
Separate Account Six for Variable Annuities (formerly, The Travelers Separate
Account Six for Variable Annuities) (the "Separate Account"). The Company may,
in the future, offer the Fixed Account option to additional contracts funded
through other separate accounts. The specific features of the Contract and the
Separate Account are disclosed in greater detail in the Contract prospectus.
Where permitted by state law, we reserve the right under MetLife Retirement
Account (formerly, Travelers Retirement Account) contracts to restrict purchase
payments into the Fixed Account whenever the credited interest rate on the Fixed
Account is equal to the minimum Guaranteed Interest Rate specified under your
Contract.

The group annuity contracts may be issued to Contract Owners on an unallocated
or allocated basis.

This prospectus explains:

o the Fixed Account Option

o MetLife Insurance Company of Connecticut*

o MetLife Life and Annuity Company of Connecticut*

o the Interest Rates

o Transfers to and from the Fixed Account Option

o Surrenders

o Market Value Adjustment

o other aspects of the Fixed Account Option

Your Contract is issued by either MetLife Insurance Company of Connecticut or
MetLife Life and Annuity Company of Connecticut. MetLife Life and Annuity
Company of Connecticut does not solicit or issue insurance products in the State
of New York. Refer to your Contract for the name of your issuing company. Both
companies are located at One Cityplace, 185 Asylum Street, Hartford, Connecticut
06103-3415. Telephone Number, 1-800-233-3591. MLI Distribution LLC ( formerly,
Travelers Distribution LLC), One Cityplace, Hartford, Connecticut 06103-3415, is
the principal underwriter and distributor of the Contracts.

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* THE TRAVELERS INSURANCE COMPANY HAS FILED FOR APPROVAL TO CHANGE ITS NAME TO
METLIFE INSURANCE COMPANY OF CONNECTICUT. THE TRAVELERS LIFE AND ANNUITY
COMPANY HAS FILED FOR APPROVAL TO CHANGE ITS NAME TO METLIFE LIFE AND
ANNUITY COMPANY OF CONNECTICUT. THE CHANGE WILL BE EFFECTIVE MAY 1, 2006
PENDING REGULATORY APPROVAL. YOU WILL RECEIVE A CONTRACT ENDORSEMENT
NOTIFYING YOU OF THE NAME CHANGE ONCE IT HAS OCCURRED.
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NEITHER THE SECURITIES AND EXCHANGE COMMISSION NOR ANY STATE SECURITIES
COMMISSION HAS APPROVED OR DISAPPROVED THESE SECURITIES OR THE ADEQUACY OF THIS
PROSPECTUS. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.

MUTUAL FUNDS, ANNUITIES AND INSURANCE PRODUCTS ARE NOT DEPOSITS OF ANY BANK, AND
ARE NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR
ANY OTHER GOVERNMENT AGENCY.

PROSPECTUS DATED MAY 1, 2006

TABLE OF CONTENTS

Glossary of Special Terms................................3 Market Value Adjustment.........................9
Summary..................................................5 Annuity Period..................................10
The Insurance Company....................................6 Investments by the Company.........................10
The Fixed Account Option.................................6 Distribution of the Contracts......................11
The Accumulation Period...............................6 Federal Income Tax Considerations..................12
Purchase Payments...................................6 Taxation of the Company.........................13
Declared Interest Rates of the Initial and Information Regarding the Contracts.............13
Subsequent Renewal Periods........................6 Incorporation of Certain Documents by
Cash Values.........................................7 Reference.......................................13
Transfers................................................7 Experts.......................................... 13
Transfers from the Fixed Account......................7
Transfers to the Fixed Account........................8
Surrenders...............................................8
General...............................................8
Payment of Full or Partial Surrenders.................8
Contract Termination..................................8

GLOSSARY OF SPECIAL TERMS
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ACCUMULATION PERIOD: The period before annuity payments begin.

ANNUITANT: A Participant on whose life Annuity payments are to be made under a
contract.

ANNUITY: Payment of income for a stated period or amount.

ANNUITY COMMENCEMENT DATE: The date on which Annuity payments are to begin.

ANNUITY PERIOD: The period during which Annuity payments are made.

CASH SURRENDER VALUE: The Cash Value less any amounts deducted upon surrender,
any applicable premium tax and any outstanding loans.

CASH VALUE: The Purchase Payment(s) plus all interest earned, minus all
surrenders, charges and applicable premium taxes previously deducted.

CERTIFICATE ANNIVERSARY: Each anniversary of the Certificate Date.

CERTIFICATE DATE: The date an individual Certificate of Participation is issued
under a group contract.

CERTIFICATE YEAR: Each 12-month period beginning with the date an individual
certificate of participation is issued under a group Contract.

COMPETING FUND: Any investment option under the Plan, which in our opinion,
consists primarily of fixed income securities and/or money market instruments.

CONTRACT ANNIVERSARY: Each anniversary of the Contract Date.

CONTRACT/CERTIFICATE VALUE: The amount of all purchase payments, plus any
applicable credits, plus or minus any investment experience or interest.

CONTRACT DATE: The date shown on the Contract specifications page on which the
Contract is issued.

CONTRACT OWNER: The employer, individual or entity owning the contract.

CONTRACT YEAR: Each 12-month period beginning with the effective date of the
contract.

DECLARED INTEREST RATE(S): One or more rates of interest which may be declared
by the Company. Such rates will never be less than the Guaranteed Interest Rate
stated in the contract and may apply to some or all of the values under the
Fixed Account Option for periods of time determined by the Company.

FIXED ACCOUNT OPTION: An annuity option which does not vary with the investment
experience of a Separate Account as described in this Prospectus.

GENERAL ACCOUNT: The General Account of the Company that holds values
attributable to the Fixed Account Option.

GUARANTEE PERIOD: The period between the initial Premium Payment or Renewal Date
and the Maturity Date during which a Guaranteed Interest Rate is credited.

HOME OFFICE: MetLife Insurance Company of Connecticut or MetLife Life and
Annuity Company of Connecticut (sometimes referred to as the "Company") located
at One Cityplace, Hartford, Connecticut 06103-3415.

IN WRITING: A written form satisfactory to us and received at our Home Office.

MARKET VALUE ADJUSTMENT: The Market Value Adjustment reflects the relationship,
at the time of surrender, between the rate of interest credited to funds on
deposit under the Fixed Account Option at the time of discontinuance to the rate
of interest credited on new deposits at the time of discontinuance.

OPTIONAL DEATH BENEFIT AND CREDIT: An optional feature available under the
MetLife Retirement Account Contracts where for an additional charge we will add
a credit to each purchase payment equal to 2% of that purchase payment. Refer to
the MetLife Retirement Account prospectus for more details.

MARKET ADJUSTED VALUE: The value of funds held in the Fixed Account Option
increased or decreased by the Market Value Adjustment.

PARTICIPANT: An eligible person who is a member in a tax qualified Plan under
Sections 401, 403(b) or 457 of the Internal Revenue Code of 1986, as amended
(the "Code"), or a nonqualified deferred Compensation Plan.

PARTICIPANT'S INDIVIDUAL ACCOUNT: An account to which amounts are credited to a
Participant or Beneficiary under the contract.

PREMIUM TAX: A tax charged by a state or municipality on premiums, Purchase
Payments or contract values.

PURCHASE PAYMENT: The premium payment applied to the Contract.

SALES CHARGE: Any applicable surrender charge or contingent deferred sales
charge, as defined in the Contract.

SEPARATE ACCOUNT: MetLife of CT Separate Account QP for Variable Annuities
("Separate Account QP"), MetLife of CT Separate Account Five for Variable
Annuities ("Separate Account Five") or MetLife of CT Separate Account Six for
Variable Annuities ("Separate Account Six").

SEPARATE ACCOUNT OPTION: A Funding option available under your Contract, the
value of which varies with the investment experience of the underlying mutual
fund.

SUMMARY
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This prospectus describes the Fixed Account Option available as a companion
contract with variable annuity contracts of Separate Account QP (Gold Track and
Gold Track Select Contracts), Separate Account Five or Separate Account Six
(MetLife Retirement Account Contracts). The contracts are used with:

o qualified pension and profit-sharing plans

o tax-deferred annuity plans (for public school teachers and employees
and employees of certain other tax-exempt and qualifying employers)

o deferred compensation plans of state and local governments and
nonqualified deferred compensation plans

o individual retirement accounts

MetLife Insurance Company of Connecticut or MetLife Life and Annuity Company of
Connecticut ("we" or the "Company") issues the contracts. MetLife Life and
Annuity Company of Connecticut does not solicit or issue insurance products in
the State of New York. Refer to your Contract for the name of your issuing
company. Purchase Payments made under the contracts and directed to the Fixed
Account Option become a part of the Company's General Account. Purchase Payments
may also be allocated to one or more Separate Account Options. The variable
annuity contract and underlying mutual funds are described in separate
prospectuses. Please read all prospectuses carefully.

During the Accumulation Period, the Fixed Account Option provides for Purchase
Payments to be credited with an initial interest rate for a 12-month period. We
guarantee that the initial credited interest rate will never be less than the
minimum interest rate permitted under state law. The initial interest rate will
be declared quarterly for Gold Track and Gold Track Select Contracts issued in
connection with plans established under Section 401, Section 457, and certain
plans established under Section 403(b) of the Code. The initial interest rate
will be declared monthly for all MetLife Retirement Account Contracts and for
Gold Track Contracts issued in connection with combination plans established
pursuant to Sections 403 (b) /401 and certain contracts issued in connection
with Section 403(b) plans.

At the end of the 12-month guarantee period, a renewal interest rate will be
determined by the Company. We guarantee that the renewal interest rate will
never be less that the minimum interest rate permitted under state law. At the
end of the initial guarantee period, the first renewal rate will be guaranteed
to the end of the calendar year. The second and all subsequent renewal rates
will be declared each January 1 thereafter, and will be guaranteed through
December 31 of that year. The rates of interest credited will affect a contract
or account's Cash Value. (See "Cash Values".) Such rates may also be used to
determine amounts payable upon termination of the contracts. (See "Surrenders -
Contract Termination".)

The Company may offer the Fixed Account Option with guaranteed rates that are
declared on a calendar quarterly basis and applied to all Purchase Payments for
the remainder of the calendar quarter. At the end of the calendar quarter, the
Company will declare a new guarantee rate that will be applied to all new
Purchase Payments allocated to the Fixed Account Option for the following
calendar quarter, as well as Purchase Payments that were previously applied to
the Fixed Account Option.

Generally, the Company intends to invest assets directed to the Fixed Account
Option in investment-grade securities. The Company has no specific formula for
determining the initial interest rates or renewal interest rates. However, such
a determination will generally reflect interest rates available on the types of
debt instruments in which the Company intends to invest the amounts directed to
the Fixed Account Option. In addition, the Company's management may also
consider various other factors in determining these rates for a given period,
including regulatory and tax requirements; sales commission and administrative
expenses borne by the Company; general economic trends; and competitive factors.
(See "Investments by the Company".)

The Contract Owner may, during the Accumulation Period, direct all or a portion
of a contract or account's Cash Value under the Fixed Account Option to one or
more of the investment options of the Separate Account. No Sales Charges will be
deducted on such transfers. However, there are restrictions which may limit the
amount that may be so directed and transfers may be deferred in certain cases.
(See "Transfers from the Fixed Account".)

Distributions and transfers from the Fixed Account Option are made on a last-in,
first-out basis. We will determine the Cash Surrender Value as of the next
valuation date after we receive a written request at our Home Office. We reserve
the right to defer payment of the Fixed Account Option for up to six months from
the date we receive the written request. If a payment is deferred for more than
30 days after we receive the request, we will pay a minimum interest rate on the
amount.

THE INSURANCE COMPANY
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Please refer to your Contract to determine which Company issued your Contract.

MetLife Insurance Company of Connecticut (formerly, The Travelers Insurance
Company) is a stock insurance company chartered in 1863 in the state of
Connecticut and has been continuously engaged in the insurance business since
that time. It is licensed to conduct life insurance business in all states of
the United States, the District of Columbia, Puerto Rico, Guam, the U.S. and
British Virgin Islands and the Bahamas. The Company is a wholly-owned subsidiary
of MetLife, Inc., a publicly traded company. MetLife, Inc., through its
subsidiaries and affiliates, is a leading provider of insurance and other
financial services to individual and institutional customers. The Company's home
office is located at One Cityplace, Hartford, Connecticut 06103-3415.

MetLife Life and Annuity Company of Connecticut (formerly The Travelers Life and
Annuity Company) is a stock insurance company chartered in 1973 in Connecticut
and continuously engaged in the insurance business since that time. It is
licensed to conduct life insurance business in all states of the United States
(except New York), the District of Columbia and Puerto Rico. The Company is an
indirect wholly-owned subsidiary of MetLife, Inc., a publicly traded company.
The Company's home office is located at One Cityplace, Hartford, Connecticut
06103-3415.

THE FIXED ACCOUNT OPTION
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The Fixed Account Option is available only in conjunction with the purchase of a
variable annuity contract (Gold Track, Gold Track Select or MetLife Retirement
Account; "Gold Track", "Gold Track Select" and "MetLife Retirement Account")
issued by the Company. The Contracts are available as individual or group
Contracts. Participants under group Contracts are issued Certificates
summarizing the provisions of the group Contract. For convenience, we refer to
both individual Contract Owners and Participants as Contract Owners. Where
permitted by state law, we reserve the right to restrict purchase payments into
the Fixed Account Option under your MetLife Retirement Account Contract whenever
the credited interest rate on the Fixed Account is equal to the minimum
Guaranteed Interest Rate specified under your Contract.

The contracts provide for both an Accumulation Period and an Annuity Period.
During the Accumulation Period, the Employee/Trustee may direct Purchase
Payments to the Fixed Account (part of the Company's general account). During
the Annuity Period, the value of the Annuity Contract is used to purchase Fixed
or Variable Annuities. The operation of the Contract during the Annuity Period
is described in the Contract prospectus accompanying this prospectus.

THE ACCUMULATION PERIOD

PURCHASE PAYMENTS

During the Accumulation Period, all or a portion of Purchase Payments (less any
premium taxes), may be allocated to the Fixed Account Option.

DECLARED INTEREST RATES OF THE INITIAL AND SUBSEQUENT RENEWAL PERIODS

The Fixed Account guarantees an initial interest rate for a 12-month period. For
the following contracts we will declare initial interest rates quarterly:

o Gold Track Select Contracts issued in connection with a plan
established under Sections 401, 457 or 403(b) of the Code

o Gold Track Contracts for plans established under Sections 401, 457

For the following, we will declare initial interest rates monthly:

o MetLife Retirement Account Contracts

o Gold Track Contracts issued in connection with a plan established
under Section 403(b) or combination contracts under Sections
403(b)/401

At the end of the 12-month guarantee period, a renewal interest rate will be
determined. The rate will never be less than the minimum interest rate permitted
under state law. At the end of the initial guarantee period, the first renewal
rate will be guaranteed to the end of that calendar year. The second and all
future renewal rates will be declared each subsequent January 1 and guaranteed
through December 31 of each year.

The Company has no specific formula for determining the rate (s) of interest
that it will declare. Generally, the rates we determine will reflect interest
rates available on the types of debt instruments in which we intend to invest
the amounts directed to the Fixed Account Option (See "Investments by the
Company".) In addition, the Company's management may also consider various other
factors in determining interest rates for a given period, including regulatory
and tax requirements; sales commission and administrative expenses borne by the
Company; general economic trends; and competitive factors. THE COMPANY'S
MANAGEMENT WILL MAKE THE FINAL DETERMINATION AS TO ANY DECLARED INTEREST RATES
AND ANY INTEREST IN EXCESS OF THE MINIMUM INTEREST RATE ALLOWED UNDER STATE LAW.
THE COMPANY CANNOT PREDICT NOR GUARANTEE THE RATES OF ANY FUTURE DECLARED
INTEREST IN EXCESS OF THE MINIMUM RATE.

CASH VALUES

We will credit amounts held under the Fixed Account Option with interest. The
minimum Guaranteed Interest Rate will never be lower than the minimum rate
permitted under state law. Interest is credited daily. Purchase Payments (other
than the initial Purchase Payment) are allocated to the Fixed Account Option as
of the close of the business day on which we receive the Purchase Payment at the
Home Office. Therefore, Purchase Payments begin earning interest the day after
we receive the Purchase Payment in good order.

TRANSFERS
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No transfers are allowed between the Fixed Account Option and any Competing
Fund.

Where permitted by state law, we reserve the right to restrict transfers from
the Separate Account options in a MetLife Retirement Account Contract into the
Fixed Account Option whenever the credited interest rate on the Fixed Account is
equal to the minimum Guaranteed Interest Rate specified under your Contract.

The charges for transfers are described in the Contract prospectus which
accompanies this prospectus. No Sales Charges apply when a transfer is made.

Amounts previously transferred from the Fixed Account Option to the Separate
Account Options may not be transferred back to the Fixed Account Option or any
Competing Fund for a period of at least 3 months from the date of the transfer.
The Company may eliminate this restriction in circumstances where Guaranteed
Interest Rates on the Fixed Account Option are declared and credited on a
quarterly basis.

TRANSFERS FROM THE FIXED ACCOUNT

The Contract Owner may transfer amounts in the Fixed Account Option to one or
more of the Separate Account Options subject to the Competing Fund restrictions
described in your Contract. All transfers will be made on a last-in, first-out
basis. That is, the money most recently deposited or transferred into the
account will be transferred or surrendered first.

We reserve the right to limit transfers from the Fixed Account in any calendar
year to 20% of the Contract/Certificate Cash Value in the Fixed Account Option
as of the end of the preceding Contract/Certificate year. (See also
"Surrenders.")

TRANSFERS TO THE FIXED ACCOUNT

METLIFE RETIREMENT ACCOUNT CONTRACTS

The Contract Owner may transfer amounts in the Separate Account Options to the
Fixed Account Option subject to the Competing Fund restrictions described in
your Contract. In addition, amounts previously transferred from a Competing Fund
to a Separate Account Option which is not a Competing Fund may not be
transferred to the Fixed Account Option for a period of at least 3 months from
the date of transfer.

If the Contract Owner selects the Optional Death Benefit and Credit under the
Contract, the following additional restrictions apply:

o Purchase Payments allocated to a Separate Account Option which is not
a Competing Fund may not be transferred to the Fixed Account for a
period of at least 3 months from the date of the Purchase Payment.

o If a Purchase Payment has been made within the last five
Contract/Certificate Years, transfers from the Separate Account
Options to the Fixed Account Option may not exceed 20% per year of the
Contract/Certificate Value in the Separate Account Options on the
Contract/Certificate Anniversary.

GOLD TRACK AND GOLD TRACK SELECT CONTRACTS

Values held in a Separate Account Option may be transferred to the Fixed Account
Option at any time subject to any Competing Fund restrictions which may apply.

SURRENDERS
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GENERAL

Subject to the termination provisions described below, the Contract Owner may
request a full or partial surrender of Cash Values at any time from the Fixed
Account Option.

PAYMENT OF FULL OR PARTIAL SURRENDERS

In the event of a partial surrender from the Fixed Account Option, we will pay
the requested value less any applicable Sales Charges. All partial surrenders
will be made on a last-in, first-out basis. If an allocated account is
surrendered for reasons other than contract termination, we will pay the Cash
Value less any Premium Tax, the administrative charge, and any Sales Charges, as
applicable. PLEASE CONSULT THE ACCOMPANYING VARIABLE ANNUITY CONTRACT PROSPECTUS
FOR ANY APPLICABLE SALES CHARGES.

CONTRACT TERMINATION

If the Contract is discontinued, no further Purchase Payments or transfers will
be allowed. On the date we receive a written request to terminate the Contract,
or within 31 days after we notify you of our intent to terminate the Contract,
any amounts transferred from the Fixed Account Option to the Separate Account
Options during the 30 days before the date of discontinuance will be transferred
back to the Fixed Account Option.

If the Contract is discontinued because of Plan termination due to the
dissolution or liquidation of the employer under US Code Title 11 procedures,
the Cash Surrender Value will be distributed directly to the employees entitled
to share in such distributions pursuant to the plan. Distribution may be in the
form of cash payments, annuity options or deferred annuities. This provision
does not apply to plans established under Section 457 of the Code.

MARKET VALUE ADJUSTMENT

The following discussion of Market Adjusted Values applies only to Contract
Owners who are not individuals.

If the Contract Owner requests a full surrender of the Contract or of all
contract values held in the Fixed Account Option for reasons other than listed
above; or if the Company discontinues the contract, the Company will determine
the Market Adjusted Value of the Fixed Account Option.

The amount payable to the Contract Owner if a Contract is discontinued may be
increased or decreased by the application of the Market Value Adjustment
formula. The formula is the following:

Market Adjusted Value = Cash Value x (1 + RO)(5)/ (1 + R1 + .0025)(5)

Where:

RO is the average interest rate credited to amounts in the Fixed
Account Option at the time of termination, and

R1 is the interest rate credited on new deposits for this
class of contracts at the time of termination.

FOR CONTRACTS ISSUED IN EVERY STATE EXCEPT NEW YORK:

If, as of the date of discontinuance, the Market Adjusted Value is less than the
Cash Value of the Fixed Account Option, the Contract Owner may select one of the
payment methods described below:

1) The Market Adjusted Value (less any applicable Sales Charge) in one
lump sum within 60 days of the date of discontinuance, or

2) The Cash Surrender Value of the Fixed Account Option in installments
over a 5-year period. The amount deducted on Surrender, if any, is
determined as of the date of discontinuance, and will apply to all
installment payments. Interest will be credited to the remaining Cash
Value of the Fixed Account Option during this installment Period at a
fixed effective annual interest rate of not less than the minimum rate
permitted under state law. The first payment will be made no later
than 60 days following the Contract Owner's request for surrender or
our written notification of our intent to discontinue the Contract.
The remaining payments will be mailed on each anniversary of the
discontinuance for four years. During that period, no additional
surrenders are allowed.

If, as of the date of discontinuance, the Market Adjusted Value is greater than
the Cash Value of the Fixed Account Option, the Contract Owner may select one of
the payment methods as described below:

1) the Cash Surrender Value of the Fixed Account Option, in one lump sum
within 60 days of the date of discontinuance, or

2) The Cash Value of the Fixed Account Option in installments over a
5-year period. Interest will be credited to the remaining Cash Value
of the Fixed Account Option during this installment period at a fixed
effective annual interest rate of not less than the minimum rate
permitted under state law. The first payment will be made no later
than 60 days following the Contract Owner's request for surrender or
our written notification of our intent to discontinue the Contract.
The remaining payments will be mailed on each anniversary of the
discontinuance for four years. During that period, no additional
surrenders are allowed.

ALLOCATED CONTRACTS ISSUED IN NEW YORK:

If the Market Adjusted Value is less than the Cash Value of the Fixed Account as
of the date of discontinuance, we will pay you the Market Adjusted Value, less
any amounts deducted on surrender, less any loans outstanding in one lump sum.
This amount will never be less than 90% of the Cash Value of the Fixed Account,
less any outstanding loans as of the date of discontinuance. We may defer
payment of this amount for up to six months from the date of discontinuance. If
a payment is deferred more than 10 working days from the date of discontinuance,
we will credit interest during the deferred period in the same manner as
described your Contract.

If the Market Adjusted Value is greater than the Cash Value of the Fixed Account
as of the date of discontinuance, we will pay the Cash Surrender Value of the
Fixed Account as of the date of discontinuance in one lump sum. We may defer
payment of this amount for up to six months from the date of discontinuance. If
a payment is deferred more than 10 working days from the date of discontinuance,
we will credit interest during the deferred period in the same manner as
described in your Contract.

UNALLOCATED CONTRACTS ISSUED IN NEW YORK:

You may select either of the following methods of payout:

a) LUMP SUM PAYMENT OPTION. If the Market Adjusted Value is less than the
Cash Value of the Fixed Account as of the date of discontinuance, we
will pay you the Market Adjusted Value, less any amounts deducted on
Surrender, in one lump sum within 60 days of the date of
discontinuance. If the Market Adjusted Value is greater than the Cash
Value of the Fixed Account as of the date of discontinuance, we will
pay you the Cash Surrender Value of the Fixed Account within 60 days
of the date of discontinuance.

b) INSTALLMENT PAYMENT OPTION. We will pay you the Cash Value of the
Fixed Account in installments over a 5-year period. Interest will be
credited to the remaining Cash Value of the Fixed Account during this
installment period at a fixed effective annual interest rate of not
less than 1.5% below the net effective rate being credited to the
contract on the date of discontinuance. The first payment will be made
no later than 60 days following our mailing the written notice to you
at the most current address available on our records. The remaining
payments will be mailed on each anniversary of the discontinuance date
for 4 years. Allowable distributions shown on the Contract
Specifications page are not permitted during the 5-year installment
period.

ANNUITY PERIOD

We will normally make annuity payments within fifteen business days after we
receive a settlement claim, or any other later specified date. Subsequent
payments will be made periodically on the anniversaries of the first payment.

The Separate Account contract prospectus describes more fully the Annuity Period
and annuity options under the Contracts. Please note, however, that
annuitization is irrevocable; once fixed Annuity payments have begun, the
annuity benefit cannot be surrendered for a lump sum settlement.

RESTRICTIONS ON FINANCIAL TRANSACTIONS

Federal laws designed to counter terrorism and prevent money laundering might,
in certain circumstances, require us to block a Contract Owner's ability to make
certain transactions and thereby refuse to accept any request for transfers,
withdrawals, surrenders, or death benefits, until the instructions are received
from the appropriate regulator. We may also be required to provide additional
information about you and your Contract to government regulators.

INVESTMENTS BY THE COMPANY
- --------------------------------------------------------------------------------
We must invest our assets according to applicable state laws regarding the
nature, quality and diversification of investments that may be made by life
insurance companies. In general, these laws permit investments, within specified
limits and subject to certain qualifications, in Federal, state, and municipal
obligations, corporate bonds, preferred and common stocks, real estate
mortgages, real estate and certain other investments. All General Account assets
of the Company would be available to meet the Company's guarantee under the
Fixed Account Option. The proceeds from the Fixed Account Option will become
part of the Company's general assets and are available to fund the claims of all
classes of customers of the Company.

In establishing Declared Interest Rates, the Company will consider the yields
available on the instruments in which it intends to invest the amounts directed
to the Fixed Account Option. The current investment strategy for the Contracts
is to invest in investment-grade fixed income securities, including public
bonds, privately placed bonds, and mortgages, some of which may be zero coupon
securities. While this generally describes our investment strategy, we are not
obligated to follow any particular strategy except as may be required by Federal
and state laws.

DISTRIBUTION OF THE CONTRACTS
- --------------------------------------------------------------------------------
DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT. MetLife Insurance Company of
Connecticut and MetLife Life and Annuity Company of Connecticut (together the
"Company") have appointed MLI Distribution LLC (formerly, Travelers Distribution
LLC) ("MLIDLLC") to serve as the principal underwriter and distributor of the
securities offered through this prospectus, pursuant to the terms of a
Distribution and Principal Underwriting Agreement. MLIDLLC, which is an
affiliate of the Company, also acts as the principal underwriter and distributor
of other annuity contracts and variable annuity contracts and variable life
insurance policies issued by the Company and its affiliated companies. The
Company reimburses MLIDLLC for expenses MLIDLLC incurs in distributing the
Contracts (e.g., commissions payable to retail broker-dealers who sell the
Contracts). MLIDLLC does not retain any fees under the Contracts.

MLIDLLC's principal executive offices are located at One Cityplace, Hartford,
Connecticut 06103. MLIDLLC is registered as a broker-dealer with the Securities
and Exchange Commission ("SEC") under the Securities Exchange Act of 1934, as
well as the securities commissions in the states in which it operates, and is a
member of the National Association of Securities Dealers, Inc. ("NASD").

MLIDLLC and the Company enter into selling agreements with affiliated and
unaffiliated broker-dealers who are registered with the SEC and are members of
the NASD, and with entities that may offer the Contracts but are exempt from
registration. Applications for the Contract are solicited by registered
representatives who are associated persons of such affiliated or unaffiliated
broker-dealer firms. Such representatives act as appointed agents of the Company
under applicable state insurance law and must be licensed to sell variable
insurance products. The Company intends to offer the Contract in all
jurisdictions where it is licensed to do business and where the Contract is
approved. The Contracts are offered on a continuous basis.

COMPENSATION. Broker-dealers who have selling agreements with MLIDLLC and the
Company are paid compensation for the promotion and sale of the Contracts.
Registered representatives who solicit sales of the Contract typically receive a
portion of the compensation payable to the broker-dealer firm. The amount the
registered representative receives depends on the agreement between the firm and
the registered representative. This agreement may also provide for the payment
of other types of cash and non-cash compensation and other benefits. A
broker-dealer firm or registered representative of a firm may receive different
compensation for selling one product over another and/or may be inclined to
favor one product provider over another product provider due to differing
compensation rates.

The Company and MLIDLLC have also entered into preferred distribution
arrangements with certain broker-dealer firms. These arrangements are sometimes
called "shelf space" arrangements. Under these arrangements, the Company and
MLIDLLC pay separate, additional compensation to the broker-dealer firm for
services the broker-dealer provides in connection with the distribution of the
Company's products. These services may include providing the Company with access
to the distribution network of the broker-dealer, the hiring and training of the
broker-dealer's sales personnel, the sponsoring of conferences and seminars by
the broker-dealer, or general marketing services performed by the broker-dealer.
The broker-dealer may also provide other services or incur other costs in
connection with distributing the Company's products.

These preferred distribution arrangements will not be offered to all
broker-dealer firms and the terms of such arrangements may differ between
broker-dealer firms. Compensation payable under such arrangements may be based
on aggregate, net or anticipated sales of the Contracts, total assets
attributable to sales of the Contract by registered representatives of the
broker-dealer firm or based on the length of time that a Contract Owner has
owned the Contract. Any such compensation payable to a broker-dealer firm will
be made by MLIDLLC or the Company out of their own assets and will not result in
any additional direct charge to you. Such compensation may cause the
broker-dealer firm and its registered representatives to favor the Company's
products. The Company and MLIDLLC have entered into preferred distribution
arrangements with its affiliates Tower Square

Securities, Inc. and as well as with unaffiliated broker-dealer firms. The
Company may enter into similar agreements with its other affiliates,
Metropolitan Life Insurance Company, Walnut Street Securities, Inc. and New
England Securities Corporation. A list of the unaffiliated broker-dealer firms
which have entered into such arrangements is available on our website.

SALE OF THE CONTRACTS BY AFFILIATES OF THE COMPANY. The Company and MLIDLLC may
offer the Contracts through retail broker-dealer firms that are affiliates of
the Company, including Tower Square Securities, Inc., Metropolitan Life
Insurance Company, Walnut Street Securities, Inc. and New England Securities
Corporation. The compensation paid to affiliated broker-dealer firms for sales
of the Contracts is generally not expected to exceed, on a present value basis,
the percentages described above. These broker-dealer firms pay their registered
representatives all or a portion of the commissions received for their sales of
Contracts; some firms may retain a portion of commissions. The amount the
broker-dealer firms pass on to their registered representatives is determined in
accordance with their internal compensation programs. These programs may also
include other types of cash compensation, such as bonuses, equity awards (such
as stock options), training allowances, supplementary salary, financing
arrangements, marketing support, medical and other insurance benefits,
retirement benefits, non-qualified deferred compensation plans, and other
benefits. For registered representatives of certain affiliates, the amount of
this additional cash compensation is based primarily on the amount of
proprietary products sold and serviced by the representative. Proprietary
products are those issued by the Company or its affiliates. The managers who
supervise these registered representatives may also be entitled to additional
cash compensation based on the sale of proprietary products by their
representatives. Because the additional cash compensation paid to these
registered representatives and their managers is primarily based on sales of
proprietary products, these registered representatives and their managers have
an incentive to favor the sale of proprietary products over other products
issued by non-affiliates.

Registered representatives of our affiliate, Metropolitan Life Insurance
Company, receive cash payments for the products they sell and service based upon
a `gross dealer concession' model. The cash payment is equal to a percentage of
the gross dealer concession. For MetLife registered representatives other than
those in our MetLife Resources (MLR) Division, the percentage is determined by a
formula that takes into consideration the amount of premiums and purchase
payments applied to proprietary products that the registered representative
sells and services. The percentage could be as high as 100%. (MLR registered
representatives receive compensation based upon premiums and purchase payments
applied to all products sold and serviced by the representative.) In addition,
all MetLife registered representatives are entitled to the additional
compensation described above based on sales of proprietary products. Because
sales of proprietary products are a factor determining the percentage of gross
dealer concessions and/or the amount of additional compensation to which MetLife
registered representatives are entitled, they have an incentive to favor the
sale of proprietary products. In addition, because their sales managers'
compensation is based on the sales made by the representatives they supervise,
these sales managers also have an incentive to favor the sale of proprietary
products.

FEDERAL INCOME TAX CONSIDERATIONS
- --------------------------------------------------------------------------------

TAXATION OF THE COMPANY

The Company is taxed as a life insurance company under Part I of Subchapter L of
the Code. The assets underlying the Fixed Account Option under the Contracts
will be owned by the Company. The income earned on such assets will be the
Company's income.

INFORMATION REGARDING THE CONTRACTS

Tax information of the Contracts /Certificates and distributions is briefly
described in the accompanying Contract prospectus.

INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE
- --------------------------------------------------------------------------------
Under the Securities Act of 1933, the Company has filed with the Commission a
registration statement (the "Registration Statement") relating to the Contracts
offered by this prospectus. This prospectus has been filed as a part of the
Registration Statement and does not contain all of the information set forth in
the Registration Statement and the exhibits, and reference is hereby made to
such Registration Statement and exhibits for further information relating to the
Company and the Contracts.

The Company's latest annual report on Form 10-K for both The Travelers Insurance
Company and The Travelers Life and Annuity Company have been filed with the
Commission. It is incorporated by reference into this prospectus. The Form 10-K
for the period ended December 31, 2005 contains additional information about the
Company, including consolidated audited financial statements for the Company's
latest fiscal year. The Travelers Insurance Company filed its Form 10-K on March
31, 2006 via Edgar File No. 033-03094. The Travelers Life and Annuity Company
filed its Form 10-K on April 3, 2006 via EDGAR File No. 033-58677. All other
reports filed by the Company pursuant to Section 13(a) or 15(d) of the Exchange
Act (such as quarterly and periodic reports) or proxy or information statements
filed pursuant to Section 14 of the Exchange Act since the end of the fiscal
year ending December 31, 2005 are also incorporated by reference into this
prospectus.

There have been no material changes in the Company's affairs which have occurred
since the end of the latest fiscal year for which consolidated audited financial
statements were included in the latest Form 10-K or which have not been
described in a Form 10-Q or Form 8-K filed by the Company under the Exchange
Act.

If requested, the Company will furnish, without charge, a copy of any and all of
the reports or documents that have been incorporated by reference into this
prospectus. You may direct your requests to the Company at Annuity Operations
and Services, One Cityplace, 185 Asylum Street, Hartford, CT 06199-0009. The
telephone number is 1-800-233-3591. You may also access the incorporated reports
and other documents at www.metlife.com.

You may also read and copy any materials that the Company files with the SEC at
the SEC's Public Reference Room at 100 F Street, N.E., Washington, DC 20549. The
public may obtain information on the operation of the Public Reference Room by
calling the SEC at 1-800-SEC-0330. The SEC maintains an Internet site that
contains reports, proxy and information statements, and other information
regarding issuers that file electronically with the SEC at (http://www.sec.gov).

EXPERTS
- --------------------------------------------------------------------------------
Legal matters in connection with federal laws and regulations affecting the
issue and sale of the Contracts described in this Prospectus and the
organization of the Company, its authority to issue such Contracts under
Connecticut law and the validity of the forms of the Contracts under Connecticut
law have been passed on by legal counsel for the Company.

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRMS

THE METLIFE INSURANCE COMPANY OF CONNECTICUT (FORMERLY, THE TRAVELERS INSURANCE
COMPANY)

The consolidated financial statements of The Travelers Insurance Company (the
"Company") (which report expresses an unqualified opinion and includes an
explanatory paragraph referring to the acquisition of the Company by MetLife
Inc. on July 1, 2005 and the application of the purchase method of accounting to
the assets and liabilities of the Company as required by the U.S. Securities and
Exchange Commission Staff Accounting Bulletin 5.J., Push Down Basis of
Accounting Required in Certain Limited Circumstances and such assets and
liabilities were measured at their fair values as of the acquisition date in
conformity with Statement of Financial Accounting Standards No.141, Business
Combinations) as of December 31, 2005 and the related consolidated statements of
income, stockholder's equity, and cash flows for the six months ended December
31, 2005 (SUCCESSOR), and June 30, 2005 (PREDECESSOR) and the consolidated
financial statement schedules as of December 31, 2005 (SUCCESSOR), and the six
months ended December 31, 2005 (SUCCESSOR), and June 30, 2005 (PREDECESSOR)
incorporated by reference in this Prospectus have been audited by Deloitte &
Touche LLP, an independent registered public accounting firm, as stated in their
reports appearing herein, and are

included in reliance upon the reports of such firm given upon their authority as
experts in accounting and auditing. The principal business address of Deloitte &
Touche LLP is Two World Financial Center, New York, New York 10281-1414.

The consolidated financial statements and schedules of The Travelers Insurance
Company and subsidiaries as of December 31, 2004 and for each of the years in
the two-year period ended December 31, 2004, have been incorporated by reference
herein in reliance upon the reports of KPMG LLP, independent registered public
accounting firm, also incorporated by reference herein, and upon the authority
of said firm as experts in accounting and auditing. The audit reports covering
The Travelers Insurance Company and subsidiaries refer to changes in the
Company's methods of accounting for certain nontraditional long-duration
contracts and for separate accounts in 2004 and for variable interest entities
in 2003.

THE METLIFE LIFE AND ANNUITY COMPANY OF CONNECTICUT (FORMERLY, THE TRAVELERS
LIFE AND ANNUITY COMPANY)

The consolidated financial statements of The Travelers Life and Annuity Company
(the "Company") (which report expresses an unqualified opinion and includes an
explanatory paragraph referring to the acquisition of the Company by MetLife
Inc. on July 1, 2005 and the application of the purchase method of accounting to
the assets and liabilities of the Company as required by the U.S. Securities and
Exchange Commission Staff Accounting Bulletin 5.J., Push Down Basis of
Accounting Required in Certain Limited Circumstances and such assets and
liabilities were measured at their fair values as of the acquisition date in
conformity with Statement of Financial Accounting Standards No.141, Business
Combinations) as of December 31, 2005 and the related consolidated statements of
income, stockholder's equity, and cash flows for the six months ended December
31, 2005 (SUCCESSOR), and June 30, 2005 (PREDECESSOR) and the consolidated
financial statement schedules as of December 31, 2005 (SUCCESSOR), and the six
months ended December 31, 2005 (SUCCESSOR), and June 30, 2005 (PREDECESSOR)
incorporated by reference in this Prospectus have been audited by Deloitte &
Touche LLP, an independent registered public accounting firm, as stated in their
reports appearing herein, and are included in reliance upon the reports of such
firm given upon their authority as experts in accounting and auditing. The
principal business address of Deloitte & Touche LLP is Two World Financial
Center, New York, New York 10281-1414.

The consolidated financial statements and schedules of The Travelers Life and
Annuity Company as of December 31, 2004 and for each of the years in the
two-year period ended December 31, 2004, have been incorporated by reference
herein in reliance upon the reports of KPMG LLP, independent registered public
accounting firm, also incorporated by reference herein, and upon the authority
of said firm as experts in accounting and auditing. The audit reports covering
The Travelers Life and Annuity Company refer to changes in the Company's methods
of accounting for certain traditional long-duration contracts and for separate
accounts in 2004.

METLIFE INSURANCE COMPANY OF CONNECTICUT*

METLIFE LIFE AND ANNUITY COMPANY OF CONNECTICUT*

REGISTERED FIXED ACCOUNT OPTION

FOR USE WITH ANNUITY CONTRACTS

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*THE TRAVELERS INSURANCE COMPANY HAS FILED FOR APPROVAL TO CHANGE ITS NAME TO
METLIFE INSURANCE COMPANY OF CONNECTICUT. THE TRAVELERS LIFE AND ANNUITY COMPANY
HAS FILED FOR APPROVAL TO CHANGE ITS NAME TO METLIFE LIFE AND ANNUITY COMPANY OF
CONNECTICUT. THE CHANGE WILL BE EFFECTIVE MAY 1, 2006 PENDING REGULATORY
APPROVAL. YOU WILL RECEIVE A CONTRACT ENDORSEMENT NOTIFYING YOU OF THE NAME
CHANGE ONCE IT HAS OCCURRED.
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Book 29 May 1, 2006