EXHIBIT 24

                    The Travelers Life and Annuity Company

                               Power of Attorney

                              C. Robert Henrikson
                Chairman, President and Chief Executive Officer

   KNOW ALL MEN BY THESE PRESENTS, that I, Chairman, President and Chief
Executive Officer of The Travelers Life and Annuity Company, a Connecticut
company, do hereby appoint Michele H. Abate, Paul G. Cellupica, Richard S.
Collins, John E. Connolly, Jr., James L. Lipscomb, Gina C. Sandonato, Myra L.
Saul and Marie C. Swift, and each of them severally, my true and lawful
attorney-in-fact, for me and in my name, place and stead to execute and file
any instrument or document to be filed as part of or in connection with or in
any way related to the Registration Statements and any and all amendments
thereto, filed by said Company under the Securities Act of 1933 and/or the
Investment Company Act of 1940, in connection with Travelers Retirement Account
Annuity (File No. 333-69753), Registered Fixed Account Option (File
No. 333-49462), Target Maturity (File No. 333-83076) and Target Maturity Series
II (File No. 333-123003), and to have full power and authority to do or cause
to be done in my name, place and stead each and every act and thing necessary
or appropriate in order to effectuate the same, as fully to all intents and
purposes as I might or could do in person, hereby ratifying and confirming all
that said attorneys-in-fact or any of them, may do or cause to be done by
virtue hereof. Each said attorney-in-fact shall have power to act hereunder
with or without the others.

   IN WITNESS WHEREOF, I have hereunto set my hand this 17th day of February,
2006.

                                                  /s/ C. Robert Henrikson
                                                  -----------------------------
                                                  Signature



                                                                     EXHIBIT 24

                    The Travelers Life and Annuity Company

                               Power of Attorney

                             Leland C. Launer, Jr.
                                   Director

   KNOW ALL MEN BY THESE PRESENTS, that I, a director of The Travelers Life and
Annuity Company, a Connecticut company, do hereby appoint Michele H. Abate,
Paul G. Cellupica, Richard S. Collins, John E. Connolly, Jr., James L.
Lipscomb, Gina C. Sandonato, Myra L. Saul and Marie C. Swift, and each of them
severally, my true and lawful attorney-in-fact, for me and in my name, place
and stead to execute and file any instrument or document to be filed as part of
or in connection with or in any way related to the Registration Statements and
any and all amendments thereto, filed by said Company under the Securities Act
of 1933 and/or the Investment Company Act of 1940, in connection with Travelers
Retirement Account Annuity (File No. 333-69753), Registered Fixed Account
Option (File No. 333-49462), Target Maturity (File No. 333-83076) and Target
Maturity Series II (File No. 333-123003), and to have full power and authority
to do or cause to be done in my name, place and stead each and every act and
thing necessary or appropriate in order to effectuate the same, as fully to all
intents and purposes as I might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact or any of them, may do or cause to
be done by virtue hereof. Each said attorney-in-fact shall have power to act
hereunder with or without the others.

   IN WITNESS WHEREOF, I have hereunto set my hand this 21st day of February,
2006.

                                                  /s/ Leland C. Launer, Jr.
                                                  -----------------------------
                                                  Signature



                                                                     EXHIBIT 24

                    The Travelers Life and Annuity Company

                               Power of Attorney

                                 Lisa M. Weber
                                   Director

   KNOW ALL MEN BY THESE PRESENTS, that I, a director of The Travelers Life and
Annuity Company, a Connecticut company, do hereby appoint Michele H. Abate,
Paul G. Cellupica, Richard S. Collins, John E. Connolly, Jr., James L.
Lipscomb, Gina C. Sandonato, Myra L. Saul and Marie C. Swift, and each of them
severally, my true and lawful attorney-in-fact, for me and in my name, place
and stead to execute and file any instrument or document to be filed as part of
or in connection with or in any way related to the Registration Statements and
any and all amendments thereto, filed by said Company under the Securities Act
of 1933 and/or the Investment Company Act of 1940, in connection with Travelers
Retirement Account Annuity (File No. 333-69753), Registered Fixed Account
Option (File No. 333-49462), Target Maturity (File No. 333-83076) and Target
Maturity Series II (File No. 333-123003), and to have full power and authority
to do or cause to be done in my name, place and stead each and every act and
thing necessary or appropriate in order to effectuate the same, as fully to all
intents and purposes as I might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact or any of them, may do or cause to
be done by virtue hereof. Each said attorney-in-fact shall have power to act
hereunder with or without the others.

   IN WITNESS WHEREOF, I have hereunto set my hand this 24th day of February,
2006.

                                                  /s/ Lisa M. Weber
                                                  -----------------------------
                                                  Signature



                                                                     EXHIBIT 24

                    The Travelers Life and Annuity Company

                               Power of Attorney

                               Stanley J. Talbi
               Senior Vice President and Chief Financial Officer

   KNOW ALL MEN BY THESE PRESENTS, that I, Senior Vice President and Chief
Financial Officer of The Travelers Life and Annuity Company, a Connecticut
company, do hereby appoint Michele H. Abate, Paul G. Cellupica, Richard S.
Collins, John E. Connolly, Jr., James L. Lipscomb, Gina C. Sandonato, Myra L.
Saul and Marie C. Swift, and each of them severally, my true and lawful
attorney-in-fact, for me and in my name, place and stead to execute and file
any instrument or document to be filed as part of or in connection with or in
any way related to the Registration Statements and any and all amendments
thereto, filed by said Company under the Securities Act of 1933 and/or the
Investment Company Act of 1940, in connection with Travelers Retirement Account
Annuity (File No. 333-69753), Registered Fixed Account Option (File
No. 333-49462), Target Maturity (File No. 333-83076) and Target Maturity Series
II (File No. 333-123003), and to have full power and authority to do or cause
to be done in my name, place and stead each and every act and thing necessary
or appropriate in order to effectuate the same, as fully to all intents and
purposes as I might or could do in person, hereby ratifying and confirming all
that said attorneys-in-fact or any of them, may do or cause to be done by
virtue hereof. Each said attorney-in-fact shall have power to act hereunder
with or without the others.

   IN WITNESS WHEREOF, I have hereunto set my hand this 17th day of February,
2006.

                                                  /s/ Stanley J. Talbi
                                                  -----------------------------
                                                  Signature



                                                                     EXHIBIT 24

                    The Travelers Life and Annuity Company

                               Power of Attorney

                           Joseph J. Prochaska, Jr.
              Senior Vice President and Chief Accounting Officer

   KNOW ALL MEN BY THESE PRESENTS, that I, Senior Vice President and Chief
Accounting Officer of The Travelers Life and Annuity Company, a Connecticut
company, do hereby appoint Michele H. Abate, Paul G. Cellupica, Richard S.
Collins, John E. Connolly, Jr., James L. Lipscomb, Gina C. Sandonato, Myra L.
Saul and Marie C. Swift, and each of them severally, my true and lawful
attorney-in-fact, for me and in my name, place and stead to execute and file
any instrument or document to be filed as part of or in connection with or in
any way related to the Registration Statements and any and all amendments
thereto, filed by said Company under the Securities Act of 1933 and/or the
Investment Company Act of 1940, in connection with Travelers Retirement Account
Annuity (File No. 333-69753), Registered Fixed Account Option (File
No. 333-49462), Target Maturity (File No. 333-83076) and Target Maturity Series
II (File No. 333-123003), and to have full power and authority to do or cause
to be done in my name, place and stead each and every act and thing necessary
or appropriate in order to effectuate the same, as fully to all intents and
purposes as I might or could do in person, hereby ratifying and confirming all
that said attorneys-in-fact or any of them, may do or cause to be done by
virtue hereof. Each said attorney-in-fact shall have power to act hereunder
with or without the others.

   IN WITNESS WHEREOF, I have hereunto set my hand this 21st day of February,
2006.

                                                  /s/ Joseph J. Prochaska, Jr.
                                                  -----------------------------
                                                  Signature