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                                                                      Exhibit 11


                                                               December 23, 1998


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


Gentlemen:

         With reference to the Post-Effective Amendment No. 20 to the
Registration Statement 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 survivorship 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 survivorship 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 survivorship life insurance policies covered by the
               above amendment to the Registration Statement, 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 amendment to the 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/ Katherine M. Sullivan
                                               General Counsel
                                               The Travelers Insurance Company