THE TRAVELERS INSURANCE COMPANY - ONE TOWER SQUARE - HARTFORD, CT 06183
A STOCK COMPANY

FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY

We will pay the Death Benefit to the Beneficiary upon receipt at Our Office of
Due Proof of the Insured's Death while this policy is in force. Refer to the
"Death Benefit" provision on Page 5 and to the "Policy Values" section on Page 6
for information on determining the amount payable upon the Insured's Death.

READ YOUR POLICY CAREFULLY

This is a legal contract between You and Us.

RIGHT TO CANCEL

We want You to be satisfied with the policy that You have purchased. We urge You
to examine it closely. If, for any reason, You are not satisfied, You may return
the policy to Us or to the agent from whom it was purchased for cancellation
within the latest of:

1. ten days after the policy was delivered to You; or

2. ten days after We have mailed or delivered the Notice of the
Right to Cancel to You; or

3. forty-five days after the date the application for this policy
was signed.

Within seven days after We receive Your returned policy, We will refund to You
all premiums paid, less any Loan Account value. After the policy is returned, it
will be considered as if it were never in effect.

Signed at Hartford, Connecticut

/s/ [SIG]

President

FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY
PREMIUMS PAYABLE UNTIL EARLIER OF MATURITY OR INSURED'S DEATH
INSURANCE PAYABLE UPON DEATH OF INSURED
NON-PARTICIPATING

THE AMOUNT AND/OR DURATION OF THE DEATH BENEFIT AND OTHER VALUES PROVIDED BY
THIS POLICY ARE BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT(S).
VALUES ARE VARIABLE, MAY INCREASE OR DECREASE, AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT.

TABLE OF CONTENTS

Right to Cancel Policy Jacket

Policy Summary Page 3

Definitions Page 4

Benefits--Basic Policy Page 5

Policy Values Page 6

Premium and Valuation Provisions Page 7

Continuation of Insurance, Grace Period and Reinstatement Page 8

Exchange Option Page 9

Ownership Rights Page 9

General Provisions Page 10

Settlement Options

A copy of the application and any riders follows the Settlement Options.

3
POLICY SUMMARY

INSURED: JOHN DOE STATED AMOUNT: $ 50,000
POLICY NUMBER: 1234567 POLICY DATE: JUN 1, 2000
AGE: 35 ISSUE DATE: JUN 1, 2000
MATURITY DATE: JUN 1, 2065 MONTHLY DEDUCTION DAY: 1ST
OF EACH MONTH
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BENEFIT DESCRIPTION

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INITIAL STATED AMOUNT: $50,000

INITIAL PREMIUM: $561.00

PLANNED PREMIUM: $561.00

PLANNED PREMIUM PAYABLE: MONTHLY

INSURANCE OPTION: 1 (LEVEL OPTION)

MINIMUM STATED AMOUNT: $50,000

MINIMUM AMOUNT INSURED: THE PERCENTAGE OF THE CASH VALUE, BASED ON THE
INSURED'S AGE, REQUIRED FOR THE POLICY TO
QUALIFY AS LIFE INSURANCE ACCORDING TO FEDERAL
INCOME TAX LAWS. SEE TABLE IN POLICY FOR
DETAILS.

MINIMUM INCREASE AMOUNT: $50,000

MINIMUM LOAN AMOUNT: $500

MAXIMUM LOAN AMOUNT: 100% OF (CASH VALUE LESS SURRENDER PENALTIES)
AS OF THE DAY WE RECEIVE YOUR LOAN REQUEST

ANNUAL LOAN INTEREST POLICY YEARS 1-15: 5.66% IN ADVANCE
RATE CHARGED: POLICY YEARS 16 AND THEREAFTER: 3.85% IN ADVANCE

ANNUAL LOAN INTEREST
RATE CREDITED: 4.00% IN ARREARS

FULL SURRENDER CHARGE: APPLIES FOR THE FIRST 10 POLICY YEARS PER
THOUSAND OF INITIAL STATED AMOUNT, AND FOR THE
FIRST 10 POLICY YEARS FOLLOWING ANY APPLIED FOR
STATED AMOUNT INCREASE PER THOUSAND OF INCREASE
AMOUNT, AS FOLLOWS:
POLICY CHARGE POLICY CHARGE
YEAR PER $1000 YEAR PER $1000
1 $ 4.19 6 $ 2.10
2 $ 3.77 7 $ 1.68
3 $ 3.35 8 $ 1.26
4 $ 2.93 9 $ .84
5 $ 2.51 10 $ .42

MINIMUM PARTIAL SURRENDER AMOUNT: $ 500

L-TVLAC PAGE 3(A)
4
POLICY SUMMARY

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PARTIAL SURRENDER AFTER THE FIRST POLICY YEAR THERE IS NO
CHARGE CHARGE FOR PARTIAL SURRENDERS UP TO AN AMOUNT
EQUAL TO THE GREATER OF: A)10% OF TOTAL
PREMIUMS PAID AS OF THE DATE OF SURRENDER
REQUEST OR B)10% OF THE CASH VALUE AS OF THE
DATE OF SURRENDER REQUEST. THE AMOUNTS
CALCULATED IN A) AND B) WILL BE REDUCED BY THE
AMOUNT OF ANY FREE PARTIAL SURRENDERS MADE IN
THE SAME POLICY YEAR. PARTIAL SURRENDERS IN
EXCESS OF THE FREE PARTIAL SURRENDER AMOUNT
WILL INCUR A CHARGE IN PROPORTION TO THE
CHARGE THAT WOULD APPLY TO A FULL SURRENDER.
THE PROPORTION WILL BE COMPUTED AS THE
SURRENDER AMOUNT DIVIDED BY(CASH VALUE MINUS
LOAN ACCOUNT VALUE). WHEN THE PARTIAL
SURRENDER IS MADE, FUTURE SURRENDER CHARGES
WILL BE REDUCED BY THE SAME PROPORTION.

CHARGE FOR REQUESTED IN PROPORTION TO THE CHARGE THAT WOULD
STATED AMOUNT DECREASE: APPLY TO A FULL SURRENDER. THE PROPORTION
WILL BE COMPUTED AS THE AMOUNT OF THE
REQUESTED STATED AMOUNT DECREASE DIVIDED BY
THE TOTAL STATED AMOUNT THAT WAS IN EFFECT
IMMEDIATELY PRIOR TO THE REQUESTED DECREASE.
WHEN THE REQUESTED DECREASE IS MADE, FUTURE
SURRENDER CHARGES WILL BE REDUCED BY THE
SAME PROPORTION.

SALES EXPENSE CHARGE: 2.50% OF EACH PREMIUM PAID, WAIVED IF POLICY
STATED AMOUNT PLUS PRIMARY INSURED TERM BENEFIT
IS AT LEAST $5,000,000

PREMIUM TAX CHARGE: 2.25% OF EACH PREMIUM PAID

FEDERAL DEFERRED
ACQUISITION COST CHARGE: 1.25% OF EACH PREMIUM PAID

MONTHLY ADMINISTRATIVE MAXIMUM $ .08 PER THOUSAND OF INITIAL
EXPENSE CHARGES: STATED AMOUNT FOR THE FIRST THREE YEARS FROM
THE EFFECTIVE DATE AND FOR THE FIRST THREE
YEARS FROM THE EFFECTIVE DATE OF EACH REQUESTED
STATED AMOUNT INCREASE; PLUS $6 PER MONTH UNTIL
MATURITY DATE IF STATED AMOUNT IS LESS THAN $100,000.

INTEREST FACTOR: 1.00327374

RATE CLASS: MALE ,PREFERRED PLUS,NONSMOKER

L-TVLAC PAGE 3(B)
5
POLICY SUMMARY

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[SEPARATE ACCOUNT:
THE TRAVELERS FUND UL FOR VARIABLE LIFE INSURANCE

INVESTMENT OPTIONS:

CAPITAL APPRECIATION FUND
DREYFUS STOCK INDEX FUND
MANAGED ASSETS TRUST
TRAVELERS MONEY MARKET PORTFOLIO

DEUTSCHE ASSET MANAGEMENT VIT FUNDS:
EAFE EQUITY INDEX FUND
SMALL CAP INDEX FUND

VARIABLE INSURANCE PRODUCTS FUND:
EQUITY-INCOME PORTFOLIO - INITIAL CLASS
GROWTH PORTFOLIO - INITIAL CLASS
HIGH INCOME PORTFOLIO - INITIAL CLASS

VARIABLE INSURANCE PRODUCTS FUND II:
ASSET MANAGER PORTFOLIO - INITIAL CLASS

TRAVELERS SERIES TRUST:
U.S. GOVERNMENT SECURITIES PORTFOLIO
ZERO COUPON BOND PORTFOLIO 2005

GREENWICH STREET SERIES FUND:
EQUITY INDEX PORTFOLIO -CLASS I
TOTAL RETURN PORTFOLIO

TRAVELERS SERIES FUND INC.:
AIM CAPITAL APPRECIATION PORTFOLIO
ALLIANCE GROWTH PORTFOLIO
MFS TOTAL RETURN PORTFOLIO
PUTNAM DIVERSIFIED INCOME PORTFOLIO
SMITH BARNEY HIGH INCOME PORTFOLIO
SMITH BARNEY LARGE CAPITALIZATION GROWTH PORTFOLIO
SMITH BARNEY LARGE CAP VALUE PORTFOLIO

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST:
TEMPLETON GLOBAL SECURITIES FUND - CLASS I

JANUS ASPEN SERIES:
AGGRESSIVE GROWTH PORTFOLIO - SERVICE SHARES
GLOBAL TECHNOLOGY PORTFOLIO - SERVICE SHARES
WORLDWIDE GROWTH PORTFOLIO - SERVICE SHARES]

L-TVLAC PAGE 3(C)
6
POLICY SUMMARY

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THE MAXIMUM INVESTMENT OPTION DAILY DEDUCTION FOR ALL INVESTMENT OPTIONS
(IN BASIS POINTS) IS .1781 FOR POLICY YEARS 1-15, AND .0548 FOR POLICY
YEARS 16 AND AFTER.

INFORMATION ABOUT THE SEPARATE ACCOUNT IS PROVIDED IN THE PROSPECTUS FOR
THE POLICY AND THE SEPARATE ACCOUNT. YOU SHOULD CAREFULLY REVIEW THE
PROSPECTUS.

WE RESERVE THE RIGHT TO LIMIT FREE TRANSFERS AMONG THE INVESTMENT OPTIONS
TO FOUR TIMES IN ANY POLICY YEAR AND TO CHARGE A $10 FEE FOR EACH
ADDITIONAL TRANSFER THAT WE ALLOW.

PREMIUM FOR THE BASIC POLICY MAY BE PAID UNTIL THE EARLIER OF THE MATURITY
DATE OR THE INSURED'S DEATH. CHARGES FOR RIDERS ARE PAYABLE TO THE EARLIER
OF THE APPLICABLE EXPIRY DATE OR THE INSURED'S DEATH. NO INSURANCE WILL
BE IN EFFECT UNLESS AT LEAST ONE DEDUCTION AMOUNT HAS BEEN PAID.

COVERAGE UNDER THIS POLICY MAY END PRIOR TO THE MATURITY DATE IF PREMIUM
PAYMENT AND/OR INVESTMENT EXPERIENCE ARE INSUFFICIENT TO CONTINUE INSURANCE
TO SUCH DATE.

L-TVLAC PAGE 3(D)
7
POLICY SUMMARY

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POLICY MAXIMUM POLICY MAXIMUM POLICY MAXIMUM POLICY MAXIMUM
YEAR RATE YEAR RATE YEAR RATE YEAR RATE
---- ---- ---- ---- ---- ---- ---- ----
1 0.18150 18 0.69760 35 3.21700 52 15.87440
2 0.19360 19 0.76490 36 3.52680 53 17.26970
3 0.20780 20 0.83900 37 3.88180 54 18.71940
4 0.22410 21 0.91900 38 4.29100 55 20.23610
5 0.24240 22 1.00420 39 4.75550 56 21.84550
6 0.26340 23 1.09410 40 5.26770 57 23.59540
7 0.28590 24 1.19050 41 5.81880 58 25.57450
8 0.31020 25 1.29590 42 6.40060 59 28.00750
9 0.33650 26 1.41320 43 7.00680 60 31.40160
10 0.36500 27 1.54520 44 7.64310 61 36.79810
11 0.39560 28 1.69490 45 8.33070 62 44.65000
12 0.42780 29 1.86310 46 9.09340 63 58.04500
13 0.46220 30 2.04930 47 9.95610 64 78.36080
14 0.49950 31 2.25090 48 10.94090 65 82.27880
15 0.54020 32 2.46630 49 12.04620
16 0.58590 33 2.69610 50 13.25080
17 0.63840 34 2.94350 51 14.53250

RATE CLASS: MALE ,PREFERRED PLUS,NONSMOKER

THE RATES USED FOR THE COST OF INSURANCE DEDUCTION ARE GUARANTEED NOT TO EXCEED
THE MAXIMUM RATES SHOWN ABOVE. THE RATES ARE BASED ON THE 1980 COMMISSIONERS
STANDARD ORDINARY SEX DISTINCT MORTALITY TABLE. THE COST OF INSURANCE IS
DEDUCTED ON THE MONTHLY DEDUCTION DAY.

L-TVLAC PAGE 3(COI)
8

DEFINITIONS

ACCUMULATION UNIT: a standard of measurement used to determine the values in
each Investment Option.

AGE: age as of the Insured's most recent birthday.

AMOUNT INSURED: equals the Stated Amount if Death Benefit Option 1 is selected;
equals the Stated Amount plus Cash Value if Death Benefit Option 2 is selected.
The Amount Insured will always be at least equal to the Minimum Amount Insured
described on the Policy Summary.

BENEFICIARY(IES): the person(s) named to receive the benefits of this policy
upon the death of the Insured.

CASH SURRENDER VALUE: the Cash Value less any Loan Account value and applicable
surrender charges.

CASH VALUE: the sum of the values held in the Investment Options and the Loan
Account.

COVERAGE AMOUNT: the Amount Insured less the Cash Value.

DEATH BENEFIT: the amount payable to the Beneficiary if the Insured's death
occurs while this policy is in force. See "Death Benefit" provision on Page 5
for details.

DEDUCTION AMOUNT: a monthly charge deducted from the Cash Value. See "Deduction
Amount" provision on Page 6 for detail on components of this charge.

DEDUCTION DAY: the day of each month on which the Deduction Amount is deducted.
Shown on the Policy Summary.

DUE PROOF OF INSURED'S DEATH: a copy of a certified death certificate; a copy of
a certified decree of a court of a competent jurisdiction as to the finding of
death; a written statement by a medical doctor who attended the deceased; or any
other proof satisfactory to Us.

IN WRITING: in a written form satisfactory to Us and received at Our Office.

INSURED: the person whose life is insured under this policy. Shown on the Policy
Summary.

INVESTMENT OPTION: an open-ended management investment company, or a portfolio
thereof, to which values may be directed under the Separate Account. Shown on
the Policy Summary.

ISSUE DATE: the date on which We issue the policy. Shown on the Policy Summary.

LOAN ACCOUNT: the account to which We transfer the amount of any policy loan.

MATURITY DATE: an anniversary of the Policy Date on which the policy matures
(see Maturity Benefit, page 5). Shown on the Policy Summary.

MAXIMUM INVESTMENT OPTION DAILY DEDUCTION: the maximum charge that We deduct
from each Investment Option to cover Our mortality and expense risk charges.
Shown on the Policy Summary.

MINIMUM AMOUNT INSURED: a stated percentage of the Cash Value determined as of
the first day of the Policy Month, as specified on "Minimum Amount Insured
Table" in policy.

NET PREMIUM: Premium paid less the Sales Expense Charge, Premium Tax Charge and
Federal Deferred Acquisition Cost Charge as shown on the Policy Summary.

OUR OFFICE: The Travelers Insurance Company, Policyholder Services, One Tower
Square, Hartford, Connecticut 06183-5071 or any other office which We may
designate for the purpose of administering this policy.

POLICY ANNIVERSARY: an anniversary of the Policy Date.

POLICY DATE: the date on which the policy becomes effective. Shown on the Policy
Summary.

POLICY MONTH: twelve one-month periods during the Policy Year, each of which
begins on the Policy Date or the Deduction Day.

POLICY YEAR: each successive twelve-month period; the first beginning with the
Policy Date.

SEPARATE ACCOUNT: the Separate Account that We established for this class of
policies and certain other policies. The Separate Account is shown on the Policy
Summary and is divided into segments that correspond to the Investment Options.

STATED AMOUNT: a dollar amount used to determine the Death Benefit of the
policy. Shown on the Policy Summary.

VALUATION DATE: a date on which policy values are determined. This is any day on
which the New York Stock Exchange is open for trading. VALUATION PERIOD: the
period between successive valuations.

WE, US, OUR: The Travelers Insurance Company.

YOU, YOUR: the owner(s) of this policy.
9

BENEFITS--BASIC POLICY

DEATH BENEFIT
Upon receipt at Our Office of Due Proof of the Insured's Death while the policy
is in force, We will pay to the Beneficiary the Death Benefit of the policy. The
Death Benefit will be the Amount Insured at the time of the Insured's death,
less any:
1. Loan Account value;
2. Deduction Amount due but not paid; and
3. amount payable to an assignee under a collateral assignment of the
policy.

The Death Benefit may be limited as provided under the Misstatement and Suicide
provisions on Page 10. The Death Benefit depends on the Death Benefit Option
that is in effect on the date of the Insured's death, and is affected by any
increase or decrease to the Initial Stated Amount. Benefits provided by any
rider attached to this policy will end according to the termination provision(s)
therein.

MATURITY BENEFIT
If the Insured is living on the Maturity Date, We will pay You the Cash Value as
of the Maturity Date, less any:

1. Loan Account value;
2. Deduction Amount due but not paid; and
3. amount payable to an assignee under a collateral assignment of the
policy.

Upon maturity, insurance will end and We will have no other obligation under
this policy. We will request that You return the policy to Us.

DEATH BENEFIT OPTIONS AND AMOUNT INSURED
There are two Death Benefit Options. Under Option 1 (the Level Death Benefit
Option), the Amount Insured is the greater of the Stated Amount or any Minimum
Amount Insured on the date of the Insured's death. Under Option 2 (the Variable
Death Benefit Option), the Amount Insured is the greater of the Stated Amount
plus the Cash Value, or any Minimum Amount Insured on the date of the Insured's
death.

You may request a change in Death Benefit Option while the Insured is living and
this policy is in force. We will require evidence of insurability satisfactory
to Us if You request a change from Option 1 to Option 2. We will effect the
change on the later of the Deduction Day on or following the day We receive the
request, or the Deduction Day on or immediately following Your requested
effective date. If You request a change from Option 2 to Option 1, the Stated
Amount will be increased by the Cash Value. If You request a change from Option
1 to Option 2, the Stated Amount will be decreased by the Cash Value.

The remaining Amount Insured and the remaining Stated Amount in effect after any
change may not be less than the respective minimum amounts shown on the Policy
Summary.

REQUESTED CHANGES IN STATED AMOUNT
Increases -- After the first Policy Year and prior to the Policy Anniversary on
which the Insured is Age 86, You may request an increase to the Stated Amount.
The request must be made In Writing. We will not allow a requested increase to
the Stated Amount for less than the Minimum Increase Amount shown on the Policy
Summary. The increase will be effective on the date shown on the supplemental
Policy Summary that We will send You. We will require evidence of insurability
satisfactory to Us if You request an increase.

Decreases -- After the second Policy Year, You may request a decrease to the
Stated Amount. The decrease will be effective on the later of the Deduction Day
on or following Our receipt of Your request, or the Deduction Day on or
immediately following Your requested effective date. There is a charge for
requested Stated Amount decreases as shown on the Policy Summary.

The decrease will be applied as follows: first against the most recent increase
to the Stated Amount; then to other increases in the Stated Amount in the
reverse order in which they occurred; and last, to the Initial Stated Amount.

After any change, the Stated Amount in effect may not be less than the Minimum
Stated Amount shown on the Policy Summary. We will send You a supplemental
Policy Summary reflecting any change.

POLICY VALUES

CASH VALUE
The Cash Value on the Policy Date is equal to the initial Net Premium minus the
Deduction Amount due. On each Valuation Date, the Cash Value is equal to the sum
of the accumulated values in the Investment Options plus any Loan Account value.
The accumulated value in an Investment Option equals a times b where:

a is the number of Accumulation Units on the Valuation Date; and

b is the then current Accumulation Unit Value for that Investment Option.

Policy values on other days are calculated in a manner consistent with this
method.

DEDUCTION AMOUNT
On each Deduction Day, the Deduction Amount is deducted from the Cash Value
minus Loan Account value. The first Deduction Day is the Policy Date. The
Deduction Day is shown on the Policy Summary.

The Deduction Amount will be charged monthly against each Investment Option in
proportion to the value of each Investment Option on each Deduction Day. The
Deduction Amount is equal to:

1. The cost of insurance; plus

2. The Monthly Administrative Expense charge shown on the Policy Summary; plus

3. The cost of any supplemental benefits for which a separate charge is shown
on the Policy Summary; plus

4. Any other applicable charges shown on the Policy Summary.

The maximum guaranteed cost of insurance for any month is equal to c times the
result of a minus b where:

a is the Amount Insured for the month divided by the Death Benefit
Interest Factor shown on the Policy Summary;

b is the Cash Value on the Deduction Day;

c is the cost for each $1,000 of Coverage Amount shown in the Table of
Maximum Monthly Guaranteed Cost of Insurance Rates on the Policy
Summary, divided by $1,000.

The maximum guaranteed cost of insurance rates shown on the Policy Summary are
based on the Insured's age, sex and rate class for the Initial Stated Amount and
each increase in the Stated Amount. We may use rates lower than those shown. We
will base any future changes in these rates only on Our future expectations as
to mortality, expenses and persistency. Nothing in this policy will be affected
by Our actual mortality and expenses. We will determine the current rates for
the Initial Stated Amount and for each increase to the Stated Amount at the
start of each Policy Year and will guarantee them for that Policy Year. Any
change that We make in the current rates will be on a uniform basis for insureds
of the same age, sex, duration and rate class.

When the Amount Insured is equal to the Minimum Amount Insured shown on the
Policy Summary, We will use the rate class for the most recent increase that
required evidence of insurability to determine the cost of insurance.

If You have selected Death Benefit Option 1 and have made increases in the
Stated Amount, the Cash Value will first be considered a part of the Initial
Stated Amount. If the Cash Value exceeds the Initial Stated Amount, it will then
be considered a part of the additional Stated Amount resulting from increases in
the order of those increases.

The Deduction Amount for the following month will be taken out of the Cash Value
on the Deduction Day. If the Cash Surrender Value is not enough to pay the
Deduction Amount due and no further premiums are paid, the Grace Period will go
into effect (see Grace Period provision, Page 9).

CASH SURRENDER VALUE
The Cash Surrender Value is equal to the Cash Value less any Loan Account value
and applicable surrender charges. It will not be less than the minimum Cash
Surrender Value required by the insurance laws of the state in which this policy
is delivered. A detailed statement of the method of calculating the Cash
Surrender Values has been filed with the insurance department of the state in
which this policy is delivered.

CASH SURRENDER
While the Insured is living and this policy is in force, You may request a full
or partial surrender In Writing. You may do so without the consent of any
Beneficiary, unless irrevocably named. We will calculate Your Cash Surrender
Value as of the day We receive Your request In Writing and will pay this amount
within seven days after such request. A surrender charge may apply as shown on
the Policy Summary.

If you request a full surrender, the policy will end on the date that We receive
Your request In Writing along with the policy.

We will not make a partial surrender to You for less than the Minimum Partial
Surrender Amount shown on the Policy Summary. The amount of any partial cash
surrender may not exceed the Cash Surrender Value. If You request a partial
surrender, then the Death Benefit, Amount Insured, and Cash Value will be
reduced by the amount surrendered, including any applicable partial surrender
charge (as shown on the Policy Summary). Additionally, under Death Benefit
Option 1, the Stated Amount will be reduced by the amount of the surrender,
including any applicable surrender charge. The deduction from the Cash Value
will be made on a pro-rata basis against the Cash Value of each Investment
Option, unless You request otherwise In Writing. After the reduction, the Amount
Insured and Stated Amount must be no less than the respective minimum amounts
shown on the Policy Summary.

POLICY LOANS
We will make a loan to You with the policy as security if You assign this policy
to Us while it is in force. We will not make a loan to You or increase an
outstanding loan for less than the Minimum Loan Amount shown on the Policy
Summary. We will pay the loan amount within seven days after We receive Your
loan request In Writing.

Loan amounts will be transferred from the Investment Options to the Loan Account
in proportion to the Cash Value in each Investment Option as of the date that
the loan is made, unless You request otherwise. A Loan Account will be
maintained while a loan is outstanding and credited at the Annual Loan Interest
Rate Credited shown on the Policy Summary. The value of the Loan Account is the
amount of any outstanding loan plus any interest that We credit to the Loan
Account, less any interest that We transfer to the Investment Options.

The total Loan Account value may not exceed the Maximum Loan Amount shown on the
Policy Summary. Interest on the loan will be payable in advance, at the
beginning of each Policy Year, at the Annual Loan Interest Rate Charged shown on
the Policy Summary. Interest not paid when due will be added to the Loan Account
Value and will bear interest at the same rate.

While the Insured is living and the policy is in effect, all or part of any loan
may be repaid. Unless You request otherwise, payment received while there is an
outstanding loan on the policy will be applied as follows: first, towards
repayment of any loan interest due; next, towards repayment of the loan
principal; and last, as a premium payment to the policy. The amount of the
repayment will be transferred from the Loan Account and will be allocated among
the Investment Options in proportion to the outstanding loan amount associated
with each Investment Option. You may not repay a loan that exists at the end of
the Grace Period (see provision on Page 9) unless You reinstate this policy.

The Grace Period provision will go into effect if the Loan Account Value exceeds
the Cash Value less applicable surrender charges.

PREMIUM AND VALUATION PROVISIONS

PREMIUM
Insurance under this policy will take effect when We have received Your payment
of at least one Deduction Amount. All premiums are payable at Our Office or to
one of Our authorized representatives.

The amount and frequency of the Planned Premium are shown on the Policy Summary.
You may request a change in the amount and frequency of the Planned Premium,
provided that such change would not disqualify the policy as life insurance
under federal tax law.

Premium payments are flexible. At any time before the Maturity Date, additional
premium payments may be made, provided that the premium payment plus the total
of all premiums already paid does not exceed the limits prescribed by federal
income tax laws or regulations to qualify the policy as life insurance.
Additionally, We reserve the right to require evidence of insurability before We
accept any additional premium payment that would increase the Coverage Amount.

PAYMENT MODE
Premiums may be paid annually, semi-annually or by other arrangement with Our
consent. The payment mode may be changed with Our approval.

PREMIUM ALLOCATION
Net Premium payments will be applied to provide Accumulation Units which will be
credited to the Investment Options that You have selected in the proportion
stated in Your application, or as You have instructed Us most recently.

INVESTMENT OPTION VALUATION
ACCUMULATION UNITS
The number of Accumulation Units to be credited to each Investment Option once a
premium payment has been received by Us will be determined by dividing the Net
Premium applied to that Investment Option by the current Accumulation Unit Value
of that Investment Option.

ACCUMULATION UNIT VALUE
The value of an Accumulation Unit for each Investment Option was initially set
at $1.00. We will determine the Accumulation Unit value for each Investment
Option on each Valuation Date by multiplying the value on the immediately
preceding Valuation Date by the corresponding net investment factor (see Net
Investment Factor provision below) for that Investment Option for the Valuation
Period just ended.

The value of an Accumulation Unit on any date other than a Valuation Date will
be equal to its value as of the next Valuation Date.

NET INVESTMENT FACTOR
The net investment factor is a factor applied to measure the investment
performance of an Investment Option from one Valuation Period to the next. The
net investment factor for an Investment Option for any Valuation Period is
determined by dividing a by b and subtracting c where:

a is

1. the net asset value per share of the Investment Option as of the
Valuation Date; plus

2. the per-share amount of any dividend or capital gain
distributions by the Investment Option if the ex-dividend date
occurs in the Valuation Period just ended; plus or minus

3. a per-share charge or credit, as We may determine on the
Valuation Date for tax reserves; and

b is

1. the net asset value per share of the Investment Option as of the
last prior Valuation Date; plus or minus

2. the per-share or per-unit charge or credit for tax reserves as of
the end of the last prior Valuation Date; and

c is the applicable Investment Option deduction for the Valuation
Period.

TRANSFERS BETWEEN INVESTMENT OPTIONS
As long as this policy is in effect, You may request that We transfer all or a
part of the Cash Value (minus Loan Account value) from an Investment Option to
any other Investment Option available under this policy at the time of request.
Such transfers must be in accordance with Our rules. We reserve the right to
limit the number of free transfers between Investment Options as described on
the Policy Summary. We reserve the right to charge the fee shown on the Policy
Summary for transfers beyond that number.

Transfers between Investment Options will result in the addition or deletion of
Accumulation Units having a total value equal to the dollar amount being
transferred to or from a particular Investment Option. The number of
Accumulation Units will be determined by dividing the amount transferred by the
Accumulation Unit Value of the Investment Options involved as of the next
Valuation Date after We receive Your request for transfer at Our Office.

CONTINUATION OF INSURANCE, GRACE PERIOD AND REINSTATEMENT

CONTINUATION OF INSURANCE
Subject to the "Grace Period" provision below, if sufficient premium payments
are not made, this policy will continue until the day on which the Cash
Surrender Value is not enough to pay the Deduction Amount due, or until the
Maturity Date, if earlier.

The Continuation of Insurance benefit will not be less than the minimum benefit
required by the insurance laws of the state in which this policy is delivered.

GRACE PERIOD
Thirty days after the Cash Surrender Value is insufficient to pay the Deduction
Amount due, We will send You a notice of required premium to Your last known
address. If the required premium is not paid within 31 days after the notice is
sent, the policy will lapse. The policy will have no Cash Value. The policy will
continue through the Grace Period, but if the required payment has not been
received at Our Office, the policy will terminate at the end of the Grace
Period.

REINSTATEMENT
This policy may be reinstated at any time within three years from the date to
which the Deduction Amount was paid, if:

1. the policy was not surrendered for cash; and

2. evidence of insurability acceptable to Us is furnished; and

3. all Deduction Amounts past due are paid; and

4. premium at least equal to the following three Deduction Amounts
is paid; and

5. all Loan Account value is repaid or restored.

Upon reinstatement, the Cash Value of the policy will be the amount provided by
the premium paid, plus any Cash Value as of the date of lapse.

EXCHANGE OPTION

During the first two Policy Years that this policy is in effect, You may
exchange this policy for a form of non-variable permanent individual life
insurance which We, or one of Our affiliates, then regularly issue for the
amount exchanged. No evidence of insurability will be required. We will issue
the policy as provided below:

1. the amount of insurance under the new policy cannot exceed the Death
Benefit of this policy at the time of the exchange; and

2. the Issue Date of the new policy will be the same as the Issue Date
of this policy; and

3. the Insured under the new policy will be the same as the Insured
under this policy; and

4. the premium for the new policy will be based on the Insured's age
under this policy; and

5. the new policy will be based on the same rate class used as of this
policy's Issue Date; or, if the same rate class is not available
under the new policy, then the new policy will be based on the class
that the Insured qualifies for based on his/her insurability as of
this policy's Issue Date.

Any Loan Account value must be repaid prior to the issuance of the new policy.
Rider benefits included with this policy will be included with the new policy
only if such rider benefits are available with the new policy, and will be
subject to Our rules then in effect.

An exchange made pursuant to this provision is subject to an equitable
adjustment in payments and Cash Values to reflect variance, if any, in the
payments and Cash Values under this policy and the new policy.

OWNERSHIP RIGHTS

OWNERSHIP
The original owner(s) is (are) shown on the application. While the Insured is
living, You may exercise all rights and options that this policy provides and
that We permit without the consent of any Beneficiary, unless irrevocably named.

Ownership is transferable by assignment. No assignment is binding on Us until We
receive a copy of the assignment In Writing. We will not determine if an
assignment is valid. Proof of interest must be filed with any claim under a
collateral assignment.

BENEFICIARY
The original Beneficiary is stated in the application. Unless the Beneficiary is
irrevocably named, You may name a new Beneficiary while the Insured is living
and while this policy is in force by notifying Us In Writing. Any change will be
effective from the date You signed the notice of change, even if the Insured's
death occurs prior to Our receipt of the notice. We will have no further
responsibility for any payment that We made before the notice was received at
Our Office.

If no Beneficiary survives the Insured, You will be the Beneficiary. If You are
the Insured and no Beneficiary is living at the time of Your death, Your estate
will be the Beneficiary. The rights of any collateral assignee may affect the
interest of the Beneficiary.

GENERAL PROVISIONS

ENTIRE CONTRACT
The entire contract consists of this policy and the application, a copy of which
is attached. The policy is issued in consideration of the application and the
payment of premium. We will not use any statement to void this policy or to deny
a claim under it, unless that statement is contained in an attached written
application. All statements in the application will be considered as being made
to the best knowledge and belief of the applicant and not as promises of truth.

CHANGES
This policy may only be altered by a written agreement signed by one of Our
officers.

NO DIVIDENDS
This policy is non-participating. It does not share in Our surplus earnings, so
You will receive no dividends under it.

MISSTATEMENT
If the age and/or sex of the Insured was incorrectly stated in the application,
all benefits will be adjusted to the amount which would have been purchased at
the correct age and/or sex, based on the most recent cost of insurance charge.

Proof of age may be filed at any time at Our Office.

SUICIDE
If within two years from the Issue Date, the Insured's death occurs and is due
to suicide while sane or insane, the Death Benefit will be limited to the
premiums paid less the Loan Account value, any Deduction Amount due, and the
amount of any partial surrenders.

If You have applied for an increase to the Stated Amount, the Suicide exclusion
period will be begin on the effective date of the increase with respect to
payment of the increase.

If this policy is reinstated, the Suicide exclusion period will begin on the
reinstatement date.

CONTESTABILITY
No misstatements made in any application for this policy will be used to contest
payment of any Death Benefit after the policy has been in force during the
lifetime of the Insured for two years from the Issue Date.

If You have applied for an increase to the Stated Amount, the contestability
period will begin on the effective date of the increase with respect to payment
of the increase.

If this policy is reinstated, the contestability period will begin on the
reinstatement date.

SEPARATE ACCOUNT
We have exclusive and absolute ownership and control of the assets of the
Separate Account and the associated Investment Options. The assets of the
Separate Account will be available to cover the liabilities of Our general
account only to the extent that those assets exceed the reserves and other
policy liabilities of the Separate Account arising under the variable life
insurance policies supported by the Separate Account. The assets of the Separate
Account will be valued on each Valuation Date. Our determination of the value of
an Accumulation Unit by the method described in this policy will be conclusive.
To the extent required by law, the investment policy of the Separate Account
will not be changed without the approval of the Insurance Commissioner of
Connecticut. If required, this approval process is on file with the Commissioner
of the state where this policy is issued for delivery.

SUBSTITUTION OF SEPARATE ACCOUNT OR INVESTMENT OPTION
If the use of a Separate Account or Investment Option is no longer possible, or
in Our judgment becomes inappropriate for the purposes of this policy, We may
substitute another Separate Account or Investment Option without Your consent.
Substitution may be made with respect to both existing premium payments and
investment of future premium payments. However, no such substitution will be
made without notice to You and without prior approval of the Securities and
Exchange Commission and the approval of the Insurance Commissioner of the state
where this policy is issued for delivery, to the extent required by law. We may
also add other Investment Options under the policy.

EMERGENCY PROCEDURE
We reserve the right to suspend or postpone the date of any payment of any
benefit or values (including the payments of cash surrenders and policy loans)
for any Valuation Period (1) when the New York Stock Exchange is closed (except
for holidays or weekends); (2) when trading on the Exchange is restricted; (3)
when an emergency exists as determined by the Securities and Exchange Commission
so that disposal of the securities held in the Separate Account is not
reasonably practicable or it is not reasonably practicable to determine the
value of the Separate Account's net assets; or (4) when the Securities and
Exchange Commission has ordered that the right of surrender be suspended for
Your protection; or (5) during any other period when the Securities and Exchange
Commission, by order, so permits for Your protection. Any provision of this
policy that specifies a Valuation Date or provides for surrenders or loans will
be superseded by this Emergency Procedure.

VOTING RIGHTS
If current law requires, You will be entitled to certain voting rights with
respect to the Investment Options to which You have allocated premiums.

If current law requires, You will be entitled to instruct Us how to vote at
meetings of the shareholders of the Investment Options. We will determine the
number of votes to which You will be entitled to instruct Us. If there is a
change in the law which permits Us to vote the shares of the Investment Options
without direction from You, We reserve the right to do so.

MATURITY OF AN INVESTMENT OPTION
If any Cash Value is attributable to an Investment Option having a specified
maturity date, the Cash Value in that Investment Option as of such maturity date
will be allocated to the Money Market Investment Option specified on the Policy
Summary, unless You request otherwise. We will send written notice to Your last
known address at least thirty days in advance of the maturity date of that
Investment Option. To select an allocation to an Investment Option other than
the Money Market Investment Option, We must receive Your notification In Writing
at least seven days before the maturity date of the Investment Option.

ANNUAL STATEMENT
As often as required by law, but at least once in each Policy Year, We will send
You a statement showing:

1. the Cash Value, Stated Amount and Amount Insured; and

2. the premiums paid, deductions, surrenders and loans made during
the preceding Policy Year; and

3. total Loan Account value.

ILLUSTRATIVE REPORTS
You may request an up-to-date illustrative report of values based on past
results and current assumptions.

We will provide the illustrative report within a reasonable time and for a
reasonable service fee not to exceed $15, unless prohibited by state law.

MINIMUM AMOUNT INSURED TABLE

Insured's Age Cash Value Percentage Insured's Age Cash Value Percentage
------------- ---------------------

0-40 250% 60 130%

41 243% 61 128%

42 236% 62 126%

43 229% 63 124%

44 222% 64 122%

45 215% 65 120%

46 209% 66 119%

47 203% 67 118%

48 197% 68 117%

49 191% 69 116%

50 185% 70 115%

51 178% 71 113%

52 171% 72 111%

53 164% 73 109%

54 157% 74 107%

55 150% 75 - 90 105%

56 146% 91 104%

57 142% 92 103%

58 138% 93 102%

59 134% 94 101%

95+ 100%

PRIMARY INSURED TERM RIDER

This Rider is made a part of the policy to which it is attached. Except where
this Rider provides otherwise, it is subject to all conditions of the policy.

DEFINITIONS
Primary Insured - The person named as the Insured for the policy to which this
Rider is attached.

Primary Insured Term Benefit - shown in the rider information section of the
Policy Summary.

BENEFIT
If the Primary Insured's death occurs while the policy and this Rider are in
force, then We will pay the Primary Insured Term Benefit to the Beneficiary upon
Our receipt of Due Proof of the Insured's death. We will deduct from the Primary
Insured Term Benefit any unpaid charges due to Us at the time of death. If no
Beneficiary survives the Primary Insured, You will be the Beneficiary. If You
are the Primary Insured and no Beneficiary survives Your death, Your estate will
be the Beneficiary. The rights of any collateral assignee may affect the
interest of the Beneficiary.

TERM
Subject to the Termination provision, this Rider is effective until the Expiry
Date shown for the Rider on the Policy Summary.

CHARGE
This Rider is issued in consideration of the application for it and the
deduction of the additional charge shown on the Policy Summary. The maximum
guaranteed cost per $1,000 of the Primary Insured Term Benefit is determined on
each Deduction Day. It is based on the Primary Insured's age, sex and rate
class, and duration of coverage.

We may use rates less than those shown. We will base these rates on our
expectations as to future experience. Any change We make to the current rates
will be on a uniform basis for insureds of the same age, sex, rate class and
duration of coverage. The current rates will never exceed the maximum guaranteed
rates shown.

CHANGE IN AMOUNT
No increases to the Primary Insured Term Benefit amount will be allowed.

Any time after the second Policy Anniversary, You may request a decrease to the
Primary Insured Term Benefit amount. Such request must be made In Writing. A
decrease will be effective on the later of the Deduction Day on or immediately
following Our receipt of Your request, or the Deduction Day on or immediately
following Your requested effective date.

The amount of insurance remaining after the decrease must be at least equal to
the Minimum Primary Insured Term Benefit shown on the Policy Summary.

ISSUE DATE
The Issue Date of this Rider is the same as that of the policy unless otherwise
shown on the Policy Summary.

CONTESTABILITY
When applied to this Rider, the contestability period will begin on this Rider's
Issue Date.

MISSTATEMENT
If the age and/or sex of the Primary Insured was incorrectly stated in the
application, all benefits under this Rider will be adjusted to the amount that
the charge paid would have purchased at the correct age and/or sex.

SUICIDE
If within two years from the Issue Date of this Rider, the Primary Insured's
death occurs and is due to suicide while sane or insane, the amount payable
under this Rider will be limited to the charges paid for this Rider.

CONVERSION OPTION
You may convert insurance under this Rider to a permanent policy if all past due
charges have been paid, and You notify Us In Writing by the earlier of:

a. 31 days after the Conversion Expiry Date for this Rider shown on the Policy
Summary; or
b. 31 days after termination of this Rider (if termination occurs prior to the
Conversion Expiry Date).

No evidence of insurability will be required. The new policy will be an
individual Flexible Premium Adjustable Life Insurance Policy that We regularly
offer at the time of conversion.

We will issue the new policy as follows:

1. the new policy will be based on the same rate class used as of this
Rider's Issue Date; or, if the same rate class is not available under the
new policy, then the new policy will be based on the class that the
Primary Insured qualifies for based on his/her insurability as of this
Rider's Issue Date; and
2. the charge will be based on the Primary Insured's age;
3. the Policy Date will be the date on which the conversion is made, which is
the first Deduction Day following Our receipt of Your request for
conversion;
4. the Issue Date will be the same as the Issue Date of this Rider;
5. the amount of insurance cannot exceed the Primary Insured Term Benefit in
effect at the time of conversion.

If the conversion option of this Rider is exercised, but the Primary Insured's
death occurs within sixty days after the conversion date and prior to the
deduction of any charge on the new policy, then We will pay the Primary Insured
Term Benefit as if the Primary Insured's death had occurred prior to Your
request for conversion.

TERMINATION
This Rider will terminate on the earliest of:

1. subject to the Grace Period provision of the policy, the date on which the
Cash Surrender Value would not be enough to pay charges due for the policy
or the Rider; or

2. the Deduction Day following Your request, In Writing, for termination of
this Rider; or

3. policy termination or maturity; or

4. the Expiry Date of this Rider as shown on the Policy Summary; or

5. conversion of all of the insurance under this Rider.

THE TRAVELERS INSURANCE COMPANY

/s/ [SIG]

President

SPOUSE TERM INSURANCE RIDER

This Rider is made a part of the policy to which it is attached. Except where
this Rider provides otherwise, it is subject to all conditions of the policy.

DEFINITIONS
Spouse - The person named in the Spouse Term Insurance Rider section of the
Policy Summary.

Spouse Term Insurance Benefit - shown in the rider information section of the
Policy Summary.

BENEFIT
If the Spouse's death occurs while the policy and this Rider are in force, then
We will pay the Spouse Term Insurance Benefit to the Beneficiary upon Our
receipt of Due Proof of the Spouse's death. We will deduct from the Spouse Term
Insurance Benefit any unpaid charges due to Us at the time of death. If no
Beneficiary survives the Spouse, You will be the Beneficiary. If You are the
Spouse and no Beneficiary survives Your death, Your estate will be the
Beneficiary. The rights of any collateral assignee may affect the interest of
the Beneficiary.

TERM
Subject to the Termination provision, this Rider is effective until the Expiry
Date shown for the Rider on the Policy Summary.

CHARGE
This Rider is issued in consideration of the application for it and the
deduction of the additional charge shown on the Policy Summary. The maximum
guaranteed cost per $1,000 of the Spouse Term Insurance Benefit is determined on
each Deduction Day. It is based on the Spouse's age, sex and rate class, and
duration of coverage.

CHANGE IN AMOUNT
No increases to the Spouse Term Insurance Benefit amount will be allowed.

Any time after the second Policy Anniversary, You may request a decrease to the
Spouse Term Insurance Benefit amount. Such request must be made In Writing. A
decrease will be effective on the later of the Deduction Day on or immediately
following Our receipt of Your request, or the Deduction Day on or immediately
following Your requested effective date.

The amount of insurance remaining after the decrease must be at least equal to
the Minimum Spouse Term Insurance Benefit shown on the Policy Summary.

ISSUE DATE
The Issue Date of this Rider is the same as that of the policy unless otherwise
shown on the Policy Summary.

CONTESTABILITY
When applied to this Rider, the contestability period will begin on this Rider's
Issue Date.

MISSTATEMENT
If the age and/or sex of the Spouse was incorrectly stated in the application,
all benefits under this Rider will be adjusted to the amount that the charge
paid would have purchased at the correct age and/or sex.

SUICIDE
If within two years from the Issue Date of this Rider, the Spouse's death occurs
and is due to suicide while sane or insane, the amount payable under this Rider
will be limited to the charges paid for this Rider.

CONVERSION OPTION
You may convert insurance under this Rider to a permanent policy if all past due
charges have been paid, and You notify Us In Writing by the earlier of:

a. 31 days after the Conversion Expiry Date for this Rider shown on the Policy
Summary; or
b. 31 days after termination of this Rider (if termination occurs prior to the
Conversion Expiry Date).

No evidence of insurability will be required. The new policy will be an
individual Flexible Premium Adjustable Life Insurance Policy that We regularly
offer at the time of conversion.
20

CONVERSION OPTION (CONT'D)
We will issue the new policy as follows:

2. the charge will be based on the Spouse's age;

3. the Policy Date will be the date on which the conversion is made, which is
the first Deduction Day following Our receipt of Your request for conversion;

4. the Issue Date will be the same as the Issue Date of this Rider;

5. the amount of insurance cannot exceed the Spouse Term Insurance Benefit in
effect at the time of conversion.

If the conversion option of this Rider is exercised, but the Spouse's death
occurs within sixty days after the conversion date and prior to the deduction of
any charge on the new policy, then We will pay the Spouse Term Insurance Benefit
as if the Spouse's death had occurred prior to Your request for conversion.

TERMINATION
This Rider will terminate on the earliest of:

1. subject to the Grace Period provision of the policy, the date on which the
Cash Surrender Value would not be enough to pay charges due for the policy or
the Rider; or

2. the Deduction Day following Your request, In Writing, for termination of this
Rider; or

3. policy termination or maturity; or

4. the Expiry Date of this Rider as shown on the Policy Summary; or

5. conversion of all of the insurance under this Rider.

THE TRAVELERS INSURANCE COMPANY

/s/ [SIG]

President

CHILD TERM INSURANCE RIDER

This Rider is made a part of the policy to which it is attached. Except where
this Rider provides otherwise, it is subject to all conditions and limitations
of the policy.

DEFINITIONS
Covered Child - a child, stepchild or legally adopted child of the Insured who
is at least fifteen days old and no more than seventeen years old, and:

a. on whose life insurance was approved; or

b. who was born to or adopted by the Insured while this Rider is in effect.

Insured - the Insured under the policy as shown on the Policy Summary.

Beneficiary - unless otherwise stated in the application, the Beneficiary at the
death of each Covered Child is:

a. the Insured, if living; otherwise

b. the executors or administrators of the estate of the Covered Child.

After the Insured's death, You may not change the Beneficiary designation.

BENEFITS - If any Covered Child under this Rider dies while the policy and this
Rider are in force, We will pay the Beneficiary the Child Term Benefit when We
receive Due Proof of the Covered Child's death. We will subtract from the Child
Term Benefit any unpaid charges due to Us at the time of death.

The Child Term Benefit provided at the death of a Covered Child is $1,000
multiplied by the number of units shown for this Rider on the Policy Summary.

CONVERSION - Insurance under this Rider may be converted to a permanent plan of
life insurance if:

1. the Covered Child whose insurance coverage is to be converted notifies Us In
Writing; and

2. all past due Deduction Amounts for the policy and this Rider have been paid;
and

3. the insurance provided by this Rider on the life of the Covered Child
requesting conversion has continued for its full term or terminated due to
the death of the Insured.

Insurance under this Rider may be converted within thirty-one days after
termination without evidence of insurability. The new policy will be a permanent
plan of life insurance which We then regularly issue for the amount requested at
the Covered Child's age.

The new policy will be issued as provided below:

1. the amount of insurance on the life of each Covered Child may not exceed the
Child Term Benefit which was in force at the time of termination;

2. the Covered Child's rate class under the new policy will be standard;

3. the charge will be based on the Covered Child's age;

4. the Policy Date of the new policy will be the date on which conversion is
made; and

5. the Issue Date of the new policy will be the same as the Issue Date of this
Rider.

If any Covered Child requests conversion of insurance under this Rider, but dies
during the thirty-one day period allowed for conversion and before the first
charge on the new policy has been deducted, then We will pay the Child Term
Benefit as if the death had occurred prior to the request for conversion.

ISSUE DATE - The Issue Date of this Rider is the same as the Issue Date of the
policy unless otherwise shown for this Rider on the Policy Summary.

CONTESTABILITY - We will not contest insurance coverage on the life of any
Covered Child after the Issue Date of this Rider.

SUICIDE - If, within two years from the Issue Date of this Rider, the Insured
commits suicide, while sane or insane:

1. the amount payable will be limited to the charges paid for this Rider; and

2. We will have no other obligations under this Rider except as stated in the
Conversion provision of this Rider.

TERMINATION - This Rider will terminate on the earliest of:

1. Subject to the Grace Period provision of the policy, the date on which the
Cash Surrender Value is insufficient to pay the charges due for the policy
or this Rider; or

2. the Deduction Day next following Your request In Writing to terminate this
Rider; or

3. policy termination (subject to the 'Conversion' provision); or

4. the Expiry Date of this Rider as shown on the Policy Summary; or

5. with respect to each Covered Child, conversion of insurance on his or her
life; or

6. with respect to each Covered Child, his or her twenty-fifth birthday.

THE TRAVELERS INSURANCE COMPANY

/s/ [SIG]

President
23

ACCIDENTAL DEATH BENEFIT RIDER

This Rider is made a part of the policy to which it is attached. Except where
this Rider provides otherwise, it is subject to all conditions of the policy.

BENEFIT
The Accidental Death Benefit is shown on the Policy Summary page for this Rider.
We will pay the Accidental Death Benefit if an accident that occurs while this
Rider is in force causes the Insured's death within ninety days after the
accident. The Insured's death must be due to bodily injuries which are the
direct and independent cause of death. Except in the case of drowning or
internal injury revealed by autopsy, an injury must be evidenced by a visible
wound or contusion.

EXCLUSIONS
We will not pay the Accidental Death Benefit if the Insured's death results
from, and/or is contributed to by:

1. any bodily or mental infirmity or disease; or
2. war, whether declared or not, or any act of war or international armed
conflict; or
3. operating, learning to operate or serving as a crew member of any aircraft or
aerial navigation device; or
4. suicide while sane or insane.

ISSUE DATE
The Issue Date of this Rider is the same as the Issue Date of the basic policy
unless otherwise shown on the Policy Summary.

CONTESTABILITY
When applied to this Rider, the contestability period will begin on this Rider's
Issue Date.

CHARGE
This Rider is issued in consideration of the application for it and the
deduction of the additional charge shown on the Policy Summary. The charge for
this Rider is deducted under the same conditions as the charge for the policy.

AUTOPSY
We reserve the right to make an autopsy if allowed by law.

TERMINATION
This Rider will terminate on the earliest of:

1. Subject to the Grace Period provision of the policy, the date on which the
Cash Surrender Value would not be enough to pay charges due for the policy
or this Rider; or

2. failure to pay any charges due for this Rider or the basic policy; or

3. the Deduction Day following Your request, In Writing, to terminate this
Rider; or

4. the Expiry Date of this Rider as shown on the Policy Summary; or

5. policy termination or maturity.

THE TRAVELERS INSURANCE COMPANY

/s/ [SIG]

President
24
COST OF LIVING ADJUSTMENT RIDER

This Rider is made a part of the policy to which it is attached. Except where
this Rider provides otherwise, it is subject to all conditions and limitations
of the policy.

DEFINITION
Consumer Price Index (CPI) -means the Consumer Price Index for all Urban
Consumers published by the United States Department of Labor for the September
of the calendar year immediately preceding the effective date of the increase.
We may change to another index that We consider appropriate if:

a. publication of the CPI is discontinued, delayed or otherwise not available
for this use; or

b. any change in the composition, base or method of computation of the CPI makes
its continued use inappropriate, in Our opinion, for determining cost of
living increases.

BENEFIT
This Rider provides increases to the Stated Amount of the policy based on
changes in the CPI. We will determine the increased Stated Amount on each Policy
Anniversary.

We will determine the increase by multiplying the number of Cost of Living Units
shown on the Policy Summary by the ratio of a divided by b, where:

a is the change in the CPI between the current Policy Anniversary
and the later of the effective date of the last increase and the
effective date of this Rider; and

b is the CPI on the effective date of this Rider.

In no event will the Death Benefit be reduced due to this calculation. If the
increase as calculated above is less than the Minimum Increase Amount for this
Rider as shown on the Policy Summary, an increase will not be made.

The amount of any single increase made under this Rider will be limited to the
Maximum Increase Amount for this Rider as shown on the Policy Summary. The total
of increases provided by this Rider cannot exceed the Total Increase Limit for
this Rider as shown on the Policy Summary.

CHARGE - This Rider is issued in consideration of the application for it and the
deduction of the additional charge shown for this Rider on the Policy Summary.
The charge for this Rider is deducted under the same conditions as the charge
for the policy. The maximum guaranteed charge for the cost of living increase
will be based on the Insured's age and current rate class.

ISSUE DATE - The Issue Date of this Rider is the same as the Issue Date of the
policy unless otherwise shown for this Rider on the Policy Summary.

CONTESTABILITY - When applied to this Rider, the contestability period will
begin on this Rider's Issue Date.

SUICIDE - If, within two years from the Issue Date of this Rider, the Insured
commits suicide while sane or insane, the amount payable under this Rider will
be limited to the charges paid for this Rider.

TERMINATION - This Rider will terminate on the earliest of:
1. Subject to the Grace Period provision of the policy, the date on which the
Cash Surrender Value is insufficient to pay the charges due for the policy
or this Rider; or
2. failure to pay any charges due for this Rider or the basic policy; or
3. the Deduction Day next following Your request In Writing to terminate this
Rider; or
4. policy termination; or
5. the Expiry Date of this Rider as shown on the Policy Summary; or
6. the effective date of a decrease to the Stated Amount; or
7. the date on which the Total Increase Limit for this Rider (as shown on the
Policy Summary) is reached; or
8. Your rejection of an increase under this Rider; or
9. the effective date of the first benefit payment under the Waiver of
Deduction Amount Rider.

THE TRAVELERS INSURANCE COMPANY

/s/ [SIG]

President

WAIVER OF DEDUCTION AMOUNT RIDER

This Rider is made a part of the policy to which it is attached. Except where
this Rider provides otherwise, it is subject to all conditions and limitations
of such policy.

DEFINITIONS
Disability - For the purposes of this Rider, a Disability must:

1. result from bodily injury or disease;

2. begin while the policy and Rider are in force;

3. exist for a period of not less than six consecutive months; and

4. prevent the Insured from being Employed as defined below.

If the Insured was Employed on the date Disability began, the Insured must be
unable to perform:

1. for the first twenty-four months of Disability, the substantial and material
duties of his or her own occupation as of the date of Disability; and
thereafter

2. Employment for which the Insured is or can become reasonably fitted by
education, training or experience.

If the Insured was not Employed (except if the sole occupation was that of a
student or managing a household) on the date Disability began, the Insured must
be unable to perform:

1. for the first twenty-four months of Disability, his or her reasonable and
customary activities as of the date of Disability; and thereafter

2. Employment for which he or she is or can become reasonably fitted by
education, training or experience.

If the Insured's sole occupation was that of student or managing a household on
the date Disability began, he or she must be unable to perform that occupation.

We will consider the Insured to be disabled, even if he or she is Employed, upon
the entire and permanent loss of:

1. sight in both eyes; or

2. the use of both hands or both feet; or

3. the use of one hand and one foot.

Employed/Employment - For the purposes of this Rider, Employed/Employment means
engaged or engagement in any occupation for wages or profit.

BENEFITS
The Deduction Amounts eligible for waiver are shown on the Policy Summary page
for this Rider. While this Rider is in effect and during the Disability of the
Insured, We will waive the eligible Deduction Amounts, and will restore to the
Cash Value any eligible Deduction Amount that was paid during the Disability.

If the Disability occurs on or after the Policy Anniversary on which the Insured
is age sixty, but before the Policy Anniversary on which he or she is age
sixty-five, benefits under this Rider will continue to the Policy Anniversary on
which the Insured is age sixty-five or the end of the Insured's Disability,
whichever is earlier.

If the Disability occurs on or after the Policy Anniversary on which the Insured
is age sixty-five, there will be no benefits under this Rider.

We will not waive or restore any Deduction Amount that was due more than one
year prior to notice of claim under this Rider.

The provisions, values and benefits of the basic policy will be the same as if
the Deduction Amounts were paid to Us. In any settlement under the policy, We
will not deduct any Deduction Amounts that were waived.
26

DEATH BENEFIT OPTION
If You elected Death Benefit Option 1 under the basic policy, We will
automatically change it to Option 2 on the Deduction Day following the date the
Insured's Disability began. The new Stated Amount will be the Option 1 Stated
Amount on that Deduction Day, less the Cash Value on that Deduction Day. The new
Option 2 Stated Amount will continue unchanged until termination of the policy.

CHANGES
If the policy is changed to another plan of insurance, the benefits provided by
this Rider will not be included as part of the new policy, unless evidence of
insurability satisfactory to Us is furnished at that time and if a similar Rider
is available with the new policy. If the policy is changed while We are waiving
the Deduction Amount, We will not waive the Deduction Amount on the new policy.

NOTICE OF CLAIM
Notice of claim must be given to Us In Writing:

1. during the lifetime of the Insured; and

2. during the period of Disability; and

3. within one year after the start of Disability.

We will not deny or reduce a claim if it is shown that notice of claim was given
as soon as reasonably possible

PROOF OF LOSS
We may require proof of Disability no more than once a year. We will not waive
further Deduction Amounts if proof is not furnished or if Disability has
terminated.

END OF DISABILITY
The benefits for Disability will end if and when the Insured's Disability ends.
The Deduction Amounts due after that will not be waived.

CHARGE
This Rider is issued in consideration of the application for it and the
deduction of the additional charge for it. The rates and the method of
determining the Rider charge are described on the Policy Summary.

ISSUE DATE
The Issue Date of this Rider is the same as that of the policy unless otherwise
shown for the Rider on the Policy Summary.

CONTESTABILITY
When applied to this Rider, the contestability period will begin on this Rider's
Issue Date.

TERMINATION
This Rider will terminate on the earliest of:

1. Subject to the Grace Period provision of the Policy, the date on which the
Cash Surrender Value would not be enough to pay charges for the policy or
this Rider; or

2. failure to pay any charges due for this Rider or the basic policy; or

3. policy termination or maturity; or

4. the Deduction Day following Your request In Writing for termination of this
Rider; or

5. the Expiry Date of this Rider as shown on the Policy Summary, except with
respect to payment of benefits for a Disability that began prior to the
Policy Anniversary on which the Insured was age sixty as described in the
second paragraph of the "Benefits" provision of this Rider.

THE TRAVELERS INSURANCE COMPANY

/s/ [SIG]

President

SPECIFIED AMOUNT PAYMENT RIDER