Exhibit 99.01

                    CERTIFICATION OF CEO AND CFO PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Annual Report of The Travelers Insurance Company
     (the  "Company") on Form 10-K for the annual period ended December 31, 2002
     as filed with the Securities and Exchange Commission on the date hereof
     (the  "Report"), George C. Kokulis, as Chief Executive Officer of the
     Company, and Glenn D. Lammey, as Chief Financial Officer of the Company,
     each hereby certifies, pursuant to 18 U.S.C. Section  1350, as adopted
     pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

         (1) The Report fully complies with the requirements of section 13(a) or
     15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all
     material respects, the financial condition and results of operations of the
     Company.

     /s/ George C. Kokulis
     -------------------------

     George C. Kokulis
     Chief Executive Officer
     March 21, 2003

     /s/ Glenn D. Lammey
     --------------------------

     Glenn D. Lammey
     Chief Financial Officer
     March 21, 2003

     This certification accompanies the Report pursuant to Section 906 of the
     Sarbanes-Oxley Act of 2002 and shall not, except to the extent required by
     the Sarbanes-Oxley Act of 2002, be deemed filed by the Company for purposes
     of Section 18 of the Securities Exchange Act of 1934, as amended.

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