Exhibit 9

                                                     KATHLEEN A. MCGAH
                                                     Deputy General Counsel
                                                     Legal Division - 8 MS
                                                     Telephone: (860) 277-7389
                                                     Fax: (860) 277-0842

                                                      January 16, 2002

The Travelers Insurance Company
The Travelers Separate Account PF II for Variable Annuities
One Tower Square
Hartford, Connecticut 06183

Gentlemen:

      With reference to the Registration Statement on Form N-4 filed by The
Travelers Life and Annuity Company and The Travelers Separate Account PF II for
Variable Annuities with the Securities and Exchange Commission covering Variable
Annuity contracts, 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 Life and Annuity 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 annuity contracts by the Insurance
     Commission of the State of Connecticut.

2.   The Travelers Separate Account PF II for Variable Annuities is a duly
     authorized and validly existing separate account established pursuant to
     Section 38a-433 of the Connecticut General Statutes.

3.   The variable annuity contracts 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 Life and Annuity Company and The Travelers Separate Account
     PF II for Variable Annuities.

4.   Assets of The Travelers Separate Account PF II for Variable Annuities are
     not chargeable with liabilities arising out of any other business The
     Travelers Life and Annuity 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 Life and Annuity Company