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                                                                   Exhibit 24(b)

                       FIXED ACCOUNT ANNUITIZATION OPTION


                                POWER OF ATTORNEY


      KNOW ALL MEN BY THESE PRESENTS:


      That I, GEORGE C. KOKULIS of Simsbury, Connecticut, Director, President
and Chief Executive Officer of The Travelers Life and Annuity Company (hereafter
the "Company"), do hereby make, constitute and appoint ERNEST J. WRIGHT,
Secretary of said Company, and KATHLEEN A. McGAH, Assistant Secretary of said
Company, or either one of them acting alone, my true and lawful
attorney-in-fact, for me, and in my name, place and stead, to sign registration
statements on behalf of said Company on Form S-2 or other appropriate form under
the Securities Act of 1933 for certain fixed payout annuity contracts to be
offered by The Travelers Life and Annuity Company, and further, to sign any and
all amendments thereto, including post-effective amendments, that may be filed
by the Company on behalf of said registrant.

      IN WITNESS WHEREOF, I have hereunto set my hand this 19th day of March
2001.


                                 /s/George C. Kokulis
                                 Director, President and Chief Executive Officer
                                 The Travelers Life and Annuity Company
   2
                       FIXED ACCOUNT ANNUITIZATION OPTION


                                POWER OF ATTORNEY


      KNOW ALL MEN BY THESE PRESENTS:


      That I, GLENN D. LAMMEY of Simsbury, Connecticut, Director, Chief
Financial Officer, Chief Accounting Officer and Controller of The Travelers Life
and Annuity Company (hereafter the "Company"), do hereby make, constitute and
appoint ERNEST J. WRIGHT, Secretary of said Company, and KATHLEEN A. McGAH,
Assistant Secretary of said Company, or either one of them acting alone, my true
and lawful attorney-in-fact, for me, and in my name, place and stead, to sign
registration statements on behalf of said Company on Form S-2 or other
appropriate form under the Securities Act of 1933 for certain fixed payout
annuity contracts to be offered by The Travelers Life and Annuity Company, and
further, to sign any and all amendments thereto, including post-effective
amendments, that may be filed by the Company on behalf of said registrant.

      IN WITNESS WHEREOF, I have hereunto set my hand this 19th day of March
2001.



                                    /s/Glenn D. Lammey
                                    Director, Chief Financial Officer,
                                    Chief Accounting Officer and Controller
                                    The Travelers Life and Annuity Company
   3
                       FIXED ACCOUNT ANNUITIZATION OPTION


                                POWER OF ATTORNEY


      KNOW ALL MEN BY THESE PRESENTS:


      That I, MARLA BERMAN LEWITUS of Marlborough, Massachusetts, a Director of
The Travelers Life and Annuity Company (hereafter the "Company"), do hereby
make, constitute and appoint ERNEST J. WRIGHT, Secretary of said Company, and
KATHLEEN A. McGAH, Assistant Secretary of said Company, or either one of them
acting alone, my true and lawful attorney-in-fact, for me, and in my name, place
and stead, to sign registration statements on behalf of said Company on Form S-2
or other appropriate form under the Securities Act of 1933 for certain fixed
payout annuity contracts to be offered by The Travelers Life and Annuity
Company, and further, to sign any and all amendments thereto, including
post-effective amendments, that may be filed by the Company on behalf of said
registrant.

      IN WITNESS WHEREOF, I have hereunto set my hand this 19th day of March
2001.


                                    /s/Marla Berman Lewitus
                                    Director
                                    The Travelers Life and Annuity Company
   4
                       FIXED ACCOUNT ANNUITIZATION OPTION


                                POWER OF ATTORNEY


      KNOW ALL MEN BY THESE PRESENTS:


      That I, WILLIAM R. HOGAN of Farmington, Connecticut, a Director of The
Travelers Life and Annuity Company (hereafter the "Company"), do hereby make,
constitute and appoint ERNEST J. WRIGHT, Secretary of said Company, and KATHLEEN
A. McGAH, Assistant Secretary of said Company, or either one of them acting
alone, my true and lawful attorney-in-fact, for me, and in my name, place and
stead, to sign registration statements on behalf of said Company on Form S-2 or
other appropriate form under the Securities Act of 1933 for certain fixed payout
annuity contracts to be offered by The Travelers Life and Annuity Company, and
further, to sign any and all amendments thereto, including post-effective
amendments, that may be filed by the Company on behalf of said registrant.

      IN WITNESS WHEREOF, I have hereunto set my hand this 26th day of March
2001.


                                    /s/William R. Hogan
                                    Director
                                    The Travelers Life and Annuity Company