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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 18, 2001

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

Gentlemen:

         With reference to the Registration Statement, File No. 333-56952, 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 Commission 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