EXHIBIT 32.02

                           SECTION 906 CERTIFICATION

        CERTIFICATION PURSUANT TO SECTION 1350 OF CHAPTER 63 OF TITLE 18
                           OF THE UNITED STATES CODE

     I, Stanley J. Talbi, the Chief Financial Officer of The Travelers Insurance
Company (the "Company"), certify that (i) the Company's Quarterly Report on Form
10-Q for the quarter ended June 30, 2005 (the "Form 10-Q") fully complies with
the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of
1934 and (ii) the information contained in the Form 10-Q fairly presents, in all
material respects, the financial condition and results of operations of the
Company.

Date: August 12, 2005

                                          By: /s/ Stanley J. Talbi
                                            ------------------------------------
                                                      Stanley J. Talbi
                                                 Senior Vice President and
                                                  Chief Financial Officer

     A signed original of this written statement required by Section 906 has
been provided to The Travelers Insurance Company and will be retained by The
Travelers Insurance Company and furnished to the Securities and Exchange
Commission or its staff upon request.
                                        34