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                                                                      Exhibit 11

                                                           KATHLEEN A. MCGAH
                                                      Deputy General Counsel
                                                       Legal Division - 8 MS
                                                   Telephone: (860) 277-7389
                                                         Fax: (860) 277-0842


                                                         JUne 29, 2000


The Travelers Insurance Company
The Travelers Fund UL Variable Life Insurance
One Tower Square
Hartford, Connecticut 06183

Gentlemen:

       With reference to the Registration Statement, File No. 333-96515, on Form
S-6, filed by The Travelers Insurance Company and The Travelers Fund UL for
Variable Life Insurance with the Securities and Exchange Commission covering
variable life insurance policies, I have examined such documents and such law as
I have considered necessary and appropriate, and on the basis of such
examination, it is my opinion that:

         1.    The Travelers Insurance Company is duly organized and existing
               under the laws of the State of Connecticut and has been duly
               authorized to do business and to issue variable life insurance
               policies by the Insurance Commissioner of the State of
               Connecticut.

         2.    The Travelers Fund UL for Variable Life Insurance is a duly
               authorized and validly existing separate account established
               pursuant to Section 38a-433 of the Connecticut General Statutes.

         3.    The variable life insurance policies covered by the above
               Registration Statement, and all pre- and post-effective
               amendments relating thereto, will be approved and authorized by
               the Insurance Commissioner of the State of Connecticut and when
               issued will be valid, legal and binding obligations of The
               Travelers Insurance Company and The Travelers Fund UL for
               Variable Life Insurance.

         4.    Assets of The Travelers Fund UL for Variable Life Insurance are
               not chargeable with liabilities arising out of any other business
               The Travelers Insurance Company may conduct.

       I hereby consent to the filing of this opinion as an exhibit to the
above-referenced Registration Statement and to the reference to this opinion
under the caption "Legal Proceedings and Opinion" in the Prospectus constituting
a part of the Registration Statement.

                                                Very truly yours,

                                                /s/Kathleen A. McGah
                                                Deputy General Counsel
                                                The Travelers Insurance Company