PRIMELITE

                       STATEMENT OF ADDITIONAL INFORMATION

                                      DATED

                                   MAY 1, 2006

                                       FOR

           METLIFE OF CT SEPARATE ACCOUNT PF II FOR VARIABLE ANNUITIES

                                    ISSUED BY

                METLIFE LIFE AND ANNUITY COMPANY OF CONNECTICUT*

This Statement of Additional Information ("SAI") is not a prospectus but relates
to, and should be read in conjunction with, the Individual Variable Annuity
Contract Prospectus dated May 1, 2006. A copy of the Prospectus may be obtained
by writing to The Travelers Life and Annuity Company, One Cityplace, Hartford,
Connecticut 06103-3415, or by calling (888) 556-5412 or by accessing the
Securities and Exchange Commission's website at http://www.sec.gov.

                                TABLE OF CONTENTS

                                                                                   
THE INSURANCE COMPANY...........................................................      2
PRINCIPAL UNDERWRITER...........................................................      2
DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT...............................      2
VALUATION OF ASSETS.............................................................      4
FEDERAL TAX CONSIDERATIONS......................................................      5
INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM...................................      9
FINANCIAL STATEMENTS............................................................      1



* The Travelers Life and Annuity Company has filed for approval to change its
  name to MetLife Life and Annuity Company of Connecticut. The change will be
  effective May 1, 2006 pending regulatory approval. You will receive a contract
  endorsement notifying you of the name change once it has occurred.



                              THE INSURANCE COMPANY

MetLife Life and Annuity Company of Connecticut (formerly The Travelers Life and
Annuity Company) is a stock insurance company chartered in 1973 in Connecticut
and continuously engaged in the insurance business since that time. It is
licensed to conduct life insurance business in all states of the United States
(except New York), the District of Columbia and Puerto Rico. The Company is an
indirect wholly-owned subsidiary of MetLife, Inc., a publicly traded company.
MetLife, Inc., through its subsidiaries and affiliates, is a leading provider of
insurance and other financial services to individual and institutional
customers. The Company's Home Office is located at One Cityplace, Hartford,
Connecticut 06103-3415.

STATE REGULATION. The Company is subject to the laws of the state of Connecticut
governing insurance companies and to regulation by the Insurance Commissioner of
the state of Connecticut (the "Commissioner"). All annual statement covering the
operations of the Company for the preceding year, as well as its financial
conditions as of December 31 of such year, must be filed with the Commissioner
in a prescribed format on or before March 1 of each year. The Company's books
and assets are subject to review or examination by the Commissioner or his
agents at all times, and a full examination of its operations is conducted at
least once every four years.

The Company is also subject to the insurance laws and regulations of all other
states in which it is licensed to operate. However, the insurance departments of
each of these states generally apply the laws of the home state (jurisdiction of
domicile) in determining the field of permissible investments.

THE SEPARATE ACCOUNT. MetLife of CT Separate Account PF II for Variable
Annuities (formerly known as The Travelers Separate Account PF II for Variable
Annuities) (the "Separate Account") meets the definition of a separate account
under the federal securities laws, and complies with the provisions of the 1940
Act. Additionally, the operations of the Separate Account are subject to the
provisions of Section 38a-433 of the Connecticut General Statutes, which
authorizes the Commissioner to adopt regulations under it. Section 38a-433
contains no restrictions on the investments of the Separate Account, and the
Commissioner has adopted no regulations under the Section that affect the
Separate Account. The Company holds title to the assets of the Separate Account.
The assets are kept physically segregated and are held separate and apart from
the Company's general corporate assets. Records are maintained of all purchases
and redemptions of the Underlying Funds held in each of the Variable Funding
Options.

                              PRINCIPAL UNDERWRITER

MLIDLLC Distribution LLC ("MLIDLLC") (formerly Travelers Distribution LLC)
serves as principal underwriter for the Separate Account and the Contracts. The
offering is continuous. MLIDLLC's principal executive offices are located at One
Cityplace, Hartford, Connecticut. MLIDLLC is affiliated with the Company and the
Separate Account.

                DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT

Information about the distribution of the Contracts is contained in the
prospectus (see "Other Information - Distribution of the Variable Annuity
Contracts"). Additional information is provided below.

Under the terms of the Distribution and Principal Underwriting Agreement among
the Separate Account, MLIDLLC and the Company, MLIDLLC acts as agent for the
distribution of the Contracts and as principal underwriter for the Contracts.
The Company reimburses MLIDLLC for certain sales and overhead expenses connected
with sales functions.

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The following table shows the amount of commissions paid to and the amount of
commissions retained by MLIDLLC over the past three years.

                        MLIDLLC UNDERWRITING COMMISSIONS



                                     UNDERWRITING COMMISSIONS PAID TO    AMOUNT OF UNDERWRITING COMMISSIONS
              YEAR                        MLIDLLC BY THE COMPANY                RETAINED BY MLIDLLC
- ----------------------------------   --------------------------------    ----------------------------------
                                                                   
2005..............................              $ 94,264,724                              $0
2004..............................              $125,706,000                              $0
2003..............................              $121,901,000                              $0


The Company and MLIDLLC have also entered into preferred distribution
arrangements with certain broker-dealer firms. These arrangements are sometimes
called "shelf space" arrangements. Under these arrangements, the Company and
MLIDLLC pay separate, additional compensation to the broker-dealer firms for
services the broker-dealer firms provide in connection with the distribution of
the Company's products. These services may include providing the Company with
access to the distribution network of the broker-dealer firms, the hiring and
training of the broker-dealer firms' sales personnel, the sponsoring of
conferences and seminars by the broker-dealer firms, or general marketing
services performed by the broker-dealer firms. The broker-dealer firms may also
provide other services or incur other costs in connection with distributing the
Company's products.

These preferred distribution arrangements will not be offered to all
broker-dealer firms and the terms of such arrangements may differ between
broker-dealer firms. Compensation payable under such arrangements may be based
on aggregate, net or anticipated sales of the Contracts, total assets
attributable to sales of the Contract by registered representatives of the
broker-dealer firms or based on the length of time that a Contract owner has
owned the Contract. Any such compensation payable to a broker-dealer firm will
be made by MLIDLLC or the Company out of their own assets and will not result in
any additional direct charge to you. Such compensation may cause the
broker-dealer firms and their registered representatives to favor the Company's
products. The amount of additional compensation (non-commission amounts) paid to
selected broker-dealer firms during 2005 ranged from $3,617,678 to $1,894. The
amount of commissions paid to selected broker-dealer firms during 2005 ranged
from $38,782,702 to $584,889. The amount of total compensation (includes
non-commission as well as commission amounts) paid to selected broker-dealer
firms during 2005 ranged from $42,400,380 to $175,737.

The following list sets forth the names of broker-dealer firms that have entered
into preferred distribution arrangements with the Company and MLIDLLC under
which the broker-dealer firms received additional compensation in 2005 in
connection with the sale of our variable annuity contracts, variable life
policies and other insurance products (including the contracts). The
broker-dealer firms are listed in alphabetical order:

AIG Advisor Group (including Advantage Capital Corporation, FSC Securities
Corporation, Royal Alliance Associates, Inc., Sentra Securities Corporation,
Spelman & Co., Inc. and SunAmerica Securities, Inc.)

Linsco/Private Ledger
Merrill Lynch, Pierce, Fenner & Smith, Incorporated
Morgan Stanley DW, Inc.
Pioneer Funds Distributor, Inc.
PFS Investments, Inc. (d/b/a Primerica)
DWS Scudder Distributors, Inc.
Citigroup Global Markets Inc. (d/b/a Smith Barney)
Tower Square Securities

There are other broker-dealer firms who receive compensation for servicing our
contracts, and the account value of the contracts or the amount of added
purchase payments received may be included in determining their additional
compensation, if any.

REDUCTION OR ELIMINATION OF THE WITHDRAWAL CHARGE. We may reduce or eliminate
the withdrawal charge under the Contract when certain sales or administration of
the Contract result in savings or reduced expenses and/or risks. We will not
reduce or eliminate the withdrawal charge where such reduction or elimination
would be unfairly discriminatory to any person.

                                       3


                               VALUATION OF ASSETS

FUNDING OPTIONS. The value of the assets of each Funding Option is determined at
4:00 p.m. eastern time on each business day, unless we need to close earlier due
to an emergency. A business day is any day the New York Stock Exchange is open.
It is expected that the Exchange will be closed on Saturdays and Sundays and on
the observed holidays of New Year's Day, Martin Luther King, Jr. Day,
President's Day, Good Friday, Memorial Day, Independence Day, Labor Day,
Thanksgiving Day and Christmas Day. Each security traded on a national
securities exchange is valued at the last reported sale price on the business
day. If there has been no sale on that day, then the value of the security is
taken to be the mean between the reported bid and asked prices on the business
day or on the basis of quotations received from a reputable broker or any other
recognized source.

Any security not traded on a securities exchange but traded in the
over-the-counter-market and for which market quotations are readily available is
valued at the mean between the quoted bid and asked prices on the business day
or on the basis of quotations received from a reputable broker or any other
recognized source.

Securities traded on the over-the-counter-market and listed securities with no
reported sales are valued at the mean between the last reported bid and asked
prices or on the basis of quotations received from a reputable broker or other
recognized source.

Short-term investments for which a quoted market price is available are valued
at market. Short-term investments maturing in more than sixty days for which
there is no reliable quoted market price are valued by "marking to market"
(computing a market value based upon quotations from dealers or issuers for
securities of a similar type, quality and maturity.) "Marking to market" takes
into account unrealized appreciation or depreciation due to changes in interest
rates or other factors which would influence the current fair values of such
securities. Short-term investments maturing in sixty days or less for which
there is no reliable quoted market price are valued at amortized cost which
approximates market.

THE CONTRACT VALUE. The value of an Accumulation Unit on any business day is
determined by multiplying the value on the preceding business day by the net
investment factor for the valuation period just ended. The net investment factor
is used to measure the investment performance of a Funding Option from one
valuation period to the next. The net investment factor for a Funding Option for
any valuation period is equal to the sum of 1.000000 plus the net investment
rate (the gross investment rate less any applicable Funding Option deductions
during the valuation period relating to the mortality and expense risk charge
and the administrative expense charge). The gross investment rate of a Funding
Option is equal to (a) minus (b), divided by (c) where:

      (a) = investment income plus capital gains and losses (whether realized
            or unrealized);

      (b) = any deduction for applicable taxes (presently zero); and

      (c) = the value of the assets of the funding option at the beginning of
            the valuation period.

The gross investment rate may be either positive or negative. A Funding Option's
investment income includes any distribution whose ex-dividend date occurs during
the valuation period.

ACCUMULATION UNIT VALUE. The value of the Accumulation Unit for each Funding
Option was initially established at $1.00. The value of an Accumulation Unit on
any business day is determined by multiplying the value on the preceding
business day by the net investment factor for the valuation period just ended.
The net investment factor is calculated for each Funding Option and takes into
account the investment performance, expenses and the deduction of certain
expenses.

ANNUITY UNIT VALUE. The initial Annuity Unit value applicable to each Funding
Option was established at $1.00. An Annuity Unit value as of any business day is
equal to (a) the value of the Annuity Unit on the preceding business day,
multiplied by (b) the corresponding net investment factor for the business day
just ended, divided by (c) the assumed net investment factor for the valuation
period. (For example, the assumed net investment factor based on an annual
assumed net investment rate of 3.0% for a valuation period of one day is
1.000081 and, for a period of two days, is 1.000081 x 1.000081.)

                                       4


                        CALCULATION OF MONEY MARKET YIELD

From time to time, we may quote in advertisements and sales literature the
adjusted and unadjusted effective yield for a money market Subaccount for a
7-day period, as described below. On a Contract-specific basis, the effective
yield is computed at each month-end according to the following formula:

              EffectiveYield = ((BaseReturn + 1) to the power of (365 / 7)) - 1

Where:

BaseReturn = (AUV Change - Contract Charge Adjustment) / PriorAUV.
AUV Change = Current AUV - Prior AUV.
Contract Charge Adjustment = Average AUV x Period Charge.
Average AUV = (Current AUV + Prior AUV) / 2.
Period Charge = Annual Contract Fee x (7/365).
Prior AUV = Unit value as of 7 days prior.
Current AUV = Unit value as of the reporting period (last day of the month).

We may also quote the effective yield of a money market Subaccount for the same
7-day period, determined on an unadjusted basis (which does not deduct
Contract-level charges), according to the same formula but where:

Base Return = AUV Change / Prior AUV

Because of the charges and deductions imposed under the Contract, the yield for
the Subaccount will be lower than the yield for the corresponding Underlying
Fund. The yields on amounts held in the Subaccount normally will fluctuate on a
daily basis. Therefore, the disclosed yield for any given past period is not an
indication or representation of future yields or rates of return. The actual
yield for the Subaccount is affected by changes in interest rates on money
market securities, average portfolio maturity of the Underlying Fund, the types
and qualities of portfolio securities held by the Underlying Fund, and the
Underlying Fund's operating expenses. Yields on amounts held in the Subaccount
may also be presented for periods other than a 7-day period.

                           FEDERAL TAX CONSIDERATIONS

The following description of the federal income tax consequences under this
Contract is general in nature and is therefore not exhaustive and is not
intended to cover all situations. Because of the complexity of the law and the
fact that the tax results will vary according to the factual status of the
individual involved, a person contemplating purchase of an annuity contract and
by a Contract Owner or beneficiary who may make elections under a Contract
should consult with a qualified tax or legal adviser.

FOREIGN TAX CREDIT

To the extent permitted under federal income tax law, the Separate Account may
claim the benefit of certain tax credits attributable to taxes paid by certain
of the Portfolios to foreign jurisdictions.

MANDATORY DISTRIBUTIONS FOR QUALIFIED PLANS

Federal tax law requires that minimum annual distributions begin by April 1st of
the calendar year following the later of calendar year in which a participant
under a qualified plan or a Section 403(b) annuity attains age 70 1/2 or
retires. Minimum annual distributions under an IRA must begin by April 1st of
the calendar year in which the Contract Owner attains 70 1/2 regardless of when
he

                                       5


or she retires. Distributions must also begin or be continued according to the
minimum distribution rules under the Code following the death of the Contract
Owner or the annuitant. You should note that the U.S. Treasury recently issued
regulations clarifying the operation of the required minimum distribution rules.

NONQUALIFIED ANNUITY CONTRACTS

Individuals may purchase tax-deferred annuities without any limits. The purchase
payments receive no tax benefit, deduction or deferral, but taxes on the
increases in the value of the contract are generally deferred until distribution
and transfers between the various investment options are not subject to tax.
Generally, if an annuity contract is owned by other than an individual (or an
entity such as a trust or other "look-through" entity which owns for an
individual's benefit), the owner will be taxed each year on the increase in the
value of the contract. An exception applies for purchase payments made before
March 1, 1986. The benefits of tax deferral of income earned under a
non-qualified annuity should be compared with the relative federal tax rates on
income from other types of investments (dividends and capital gains, taxable at
15% or less) relative to the ordinary income treatment received on annuity
income and interest received on fixed instruments (notes, bonds, etc.).

If two or more annuity contracts are purchased from the same insurer within the
same calendar year, such annuity contract will be aggregated for federal income
tax purposes. As a result, distributions from any of them will be taxed based
upon the amount of income in all of the same calendar year series of annuities.
This will generally have the effect of causing taxes to be paid sooner on the
deferred gain in the contracts.

Those receiving partial distributions made before the maturity date will
generally be taxed on an income-first basis to the extent of income in the
contract. If you are exchanging another annuity contract for this annuity,
certain pre-August 14, 1982 deposits into an annuity contract that have been
placed in the contract by means of a tax-deferred exchange under Section 1035 of
the Code may be withdrawn first without income tax liability. This information
on deposits must be provided to the Company by the other insurance company at
the time of the exchange. There is income in the contract generally to the
extent the cash value exceeds the investment in the contract. The investment in
the contract is equal to the amount of premiums paid less any amount received
previously which was excludable from gross income. Any direct or indirect
borrowing against the value of the contract or pledging of the contract as
security for a loan will be treated as a cash distribution under the tax law.

In order to be treated as an annuity contract for federal income tax purposes,
Section 72(s) of the Code requires any non-qualified contract to contain certain
provisions specifying how your interest in the contract will be distributed in
the event of the death of an owner of the contract. Specifically, Section 72(s)
requires that (a) if an owner dies on or after the annuity starting date, but
prior to the time the entire interest in the contract has been distributed, the
entire interest in the contract will be distributed at least as rapidly as under
the method of distribution being used as of the date of such owner's death; and
(b) if any owner dies prior to the annuity starting date, the entire interest in
the contract will be distributed within five years after the date of such
owner's death. These requirements will be considered satisfied as to any portion
of an owner's interest which is payable to or for the benefit of a designated
beneficiary and which is distributed over the life of such designated
beneficiary or over a period not extending beyond the life expectancy of that
beneficiary, provided that such distributions begin within one year of the
owner's death. The designated beneficiary refers to a natural person designated
by the owner as a beneficiary and to whom ownership of the contract passes by
reason of death. However, if the designated beneficiary is the surviving spouse
of the deceased owner, the contract may be continued with the surviving spouse
as the successor-owner. Contracts will be administered by the Company in
accordance with these rules and the Company will make a notification when
payments should be commenced. Special rules apply regarding distribution
requirements when an annuity is owned by a trust or other entity for the benefit
of one or more individuals.

                                       6


INDIVIDUAL RETIREMENT ANNUITIES

To the extent of earned income for the year and not exceeding the applicable
limit for the taxable year, an individual may make deductible contributions to
an individual retirement annuity (IRA). The applicable limit ($2,000 per year
prior to 2002) has been increased by the Economic Growth and Tax Relief
Reconciliation Act of 2001 ("EGTRRA"). The limit is $3,000 for calendar years
2002 - 2004, $4,000 for calendar years 2005-2007, and $5,000 for 2008, and will
be indexed for inflation in years subsequent to 2008. Additional "catch-up"
contributions may be made to an IRA by individuals age 50 or over. There are
certain limits on the deductible amount based on the adjusted gross income of
the individual and spouse and based on their participation in a retirement plan.
If an individual is married and the spouse does not have earned income, the
individual may establish IRAs for the individual and spouse. Purchase payments
may then be made annually into IRAs for both spouses in the maximum amount of
100% of earned income up to a combined limit based on the individual limits
outlined above.

The Code provides for the purchase of a Simplified Employee Pension (SEP) plan.
A SEP is funded through an IRA with an annual employer contribution limit of up
to $40,000 for each participant. The Internal Revenue Services has not reviewed
the contract for qualifications as an IRA, and has not addressed in a ruling of
general applicability whether a death benefit provision such as the optional
enhanced death benefit in the contract comports with IRA qualification
requirements.

SIMPLE PLAN IRA FORM

Effective January 1, 1997, employers may establish a savings incentive match
plan for employees ("SIMPLE plan") under which employees can make elective
salary reduction contributions to an IRA based on a percentage of compensation
of up to the applicable limit for the taxable year. The applicable limit was
increased under EGTRRA. The applicable limit was increased under EGTRRA to
$7,000 for 2002, $8,000 for 2003, $9,000 in 2004, $10,000 in 2005 (which will be
indexed for inflation for years after 2005. (Alternatively, the employer can
establish a SIMPLE cash or deferred arrangement under IRS Section 401(k)). Under
a SIMPLE plan IRA, the employer must either make a matching contribution or a
nonelective contribution based on the prescribed formulas for all eligible
employees. Early withdrawals are subject to the 10% early withdrawal penalty
generally applicable to IRAs, except that an early withdrawal by an employee
under a SIMPLE plan IRA, within the first two years of participation, shall be
subject to a 25% early withdrawal tax.

ROTH IRAs

Effective January 1, 1998, Section 408A of the Code permits certain individuals
to contribute to a Roth IRA. Eligibility to make contributions is based upon
income, and the applicable limits vary based on marital status and/or whether
the contribution is a rollover contribution from another IRA or an annual
contribution. Contributions to a Roth IRA, which are subject to certain
limitations (similar to the annual limits for the traditional IRA's), are not
deductible and must be made in cash or as a rollover or transfer from another
Roth IRA or other IRA. A conversion of a "traditional" IRA to a Roth IRA may be
subject to tax and other special rules apply. You should consult a tax adviser
before combining any converted amounts with other Roth IRA contributions,
including any other conversion amounts from other tax years.

Qualified distributions from a Roth IRA are tax-free. A qualified distribution
requires that the Roth IRA has been held for at least 5 years, and the
distribution is made after age 59 1/2, on death or disability of the owner, or
for a limited amount ($10,000) for a qualified first time home purchase for the
owner or certain relatives. Income tax and a 10% penalty tax may apply to
distributions made (1) before age 59 1/2 (subject to certain exceptions) or (2)
during five taxable years starting with the year in which the first contribution
is made to any Roth IRA of the individual.

QUALIFIED PENSION AND PROFIT-SHARING PLANS

                                       7


Like most other contributions made under a qualified pension or profit-sharing
plan, purchase payments made by an employer are not currently taxable to the
participant and increases in the value of a contract are not subject to taxation
until received by a participant or beneficiary.

Distributions are generally taxable to the participant or beneficiary as
ordinary income in the year of receipt. Any distribution that is considered the
participant's "investment in the contract" is treated as a return of capital and
is not taxable. Under a qualified plan, the investment in the contract may be
zero.

The annual limits that apply to the amounts that may be contributed to a defined
contribution plan each year were increased by EGTRRA. The maximum total annual
limit was increased from $35,000 to $40,000 ($42,000 for 2005). The limit on
employee salary reduction deferrals (commonly referred to as "401(k)
contributions") increase on a graduated basis; $11,000 in 2002, $12,000 in 2003,
$13,000 in 2004, $14,000 in 2005 and $15,000 in 2006. The $15,000 annual limit
will be indexed for inflation after 2006. Additional "catch-up contributions"
may be made by individuals age 50 or over.

Amounts attributable to salary reduction contributions under Code Section 401(k)
and income thereon may not be withdrawn prior to severance from employment,
death, total and permanent disability, attainment of age 59 1/2, or in the case
of hardship.

SECTION 403(b) PLANS

Under Code section 403(b), payments made by public school systems and certain
tax exempt organizations to purchase annuity contracts for their employees are
excludable from the gross income of the employee, subject to certain
limitations. However, these payments may be subject to FICA (Social Security)
taxes. A qualified contract issued as a tax-sheltered annuity under section
403(b) will be amended as necessary to conform to the requirements of the Code.
The annual limits under Code Section 403(b) for employee salary reduction
deferrals are increased under the same rules applicable to 401(k) plans ($14,000
in 2005).

Code section 403(b)(11) restricts this distribution under Code section 403(b)
annuity contracts of: (1) elective contributions made in years beginning after
December 31, 1998; (2) earnings on those contributions; and (3) earnings in such
years on amounts held as of the close of the last year beginning before January
1, 1989. Distribution of those amounts may only occur upon death of the
employee, attainment of age 59 1/2, separation from service, disability, or
financial hardship. In addition, income attributable to elective contributions
may not be distributed in the case of hardship.

FEDERAL INCOME TAX WITHHOLDING

The portion of a distribution, which is taxable income to the recipient, will be
subject to federal income tax withholding as follows:

1.    ELIGIBLE ROLLOVER DISTRIBUTION FROM SECTION 403(b) PLANS OR ARRANGEMENTS,
      FROM QUALIFIED PENSION AND PROFIT-SHARING PLANS, OR FROM 457 PLANS
      SPONSORED BY GOVERNMENTAL ENTITIES

There is a mandatory 20% tax withholding for plan distributions that are
eligible for rollover to an IRA or to another qualified retirement plan
(including a 457 plan sponsored by a governmental entity) but that are not
directly rolled over. A distribution made directly to a participant or
beneficiary may avoid this result if:

      (a)   a periodic settlement distribution is elected based upon a life or
            life expectancy calculation, or

      (b)   a term-for-years settlement distribution is elected for a period of
            ten years or more, payable at least annually, or

      (c)   a minimum required distribution as defined under the tax law is
            taken after the attainment of the age of 70 1/2 or as otherwise
            required by law, or

                                       8


      (d)   the distribution is a hardship distribution.

A distribution including a rollover that is not a direct rollover will be
subject to the 20% withholding, and the 10% additional tax penalty on premature
withdrawals may apply to any amount not added back in the rollover. The 20%
withholding may be recovered when the participant or beneficiary files a
personal income tax return for the year if a rollover was completed within 60
days of receipt of the funds, except to the extent that the participant or
spousal beneficiary is otherwise underwithheld or short on estimated taxes for
that year.

2.    OTHER NON-PERIODIC DISTRIBUTIONS (FULL OR PARTIAL REDEMPTIONS)

To the extent not subject to 20% mandatory withholding as described in 1. above,
the portion of a non-periodic distribution, which constitutes taxable income,
will be subject to federal income tax withholding, if the aggregate
distributions exceed $200 for the year, unless the recipient elects not to have
taxes withheld. If no such election is made, 10% of the taxable portion of the
distribution will be withheld as federal income tax; provided that the recipient
may elect any other percentage. Election forms will be provided at the time
distributions are requested. This form of withholding applies to all annuity
programs.

3.    PERIODIC DISTRIBUTIONS (DISTRIBUTIONS PAYABLE OVER A PERIOD GREATER THAN
      ONE YEAR)

The portion of a periodic distribution, which constitutes taxable income, will
be subject to federal income tax withholding under the wage withholding tables
as if the recipient were married claiming three exemptions. A recipient may
elect not to have income taxes withheld or have income taxes withheld at a
different rate by providing a completed election form. Election forms will be
provided at the time distributions are requested. This form of withholding
applies to all annuity programs.

Recipients who elect not to have withholding made are liable for payment of
federal income tax on the taxable portion of the distribution. Recipients may
also be subject to penalties under the estimated tax payment rules if
withholding and estimated tax payments are not sufficient to cover tax
liabilities.

Recipients who do not provide a social security number or other taxpayer
identification number will not be permitted to elect out of withholding.
Additionally, U.S citizens residing outside of the country, or U.S. legal
residents temporarily residing outside the country, are subject to different
withholding rules and generally cannot elect out of withholding.

                  INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

The financial statements of Travelers Separate Account PF II for Variable
Annuities as of December 31, 2005 and for the period in the year then ended and
The Travelers Life and Annuity Company (the "Company") (which report expresses
an unqualified opinion and includes an explanatory paragraph referring to the
acquisition of the Company by MetLife Inc. on July 1, 2005 and the application
of the purchase method of accounting to the assets and liabilities of the
Company as required by the U.S. Securities and Exchange Commission Staff
Accounting Bulletin 5.J., Push Down Basis of Accounting Required in Certain
Limited Circumstances and such assets and liabilities were measured at their
fair values as of the acquisition date in conformity with Statement of Financial
Accounting Standards No.141, Business Combinations) as of December 31, 2005 and
the related consolidated statements of income, stockholder's equity, and cash
flows for the six months ended December 31, 2005 (SUCCESSOR), and June 30, 2005
(PREDECESSOR) and the consolidated financial statement schedules as of December
31, 2005 (SUCCESSOR), and the six months ended December 31, 2005 (SUCCESSOR),
and June 30, 2005 (PREDECESSOR) included in this Statement of Additional
Information have been audited by Deloitte & Touche LLP, an independent
registered public accounting firm, as stated in their reports appearing herein,
and are included in reliance upon the reports of such firm given upon their

                                       9


authority as experts in accounting and auditing. The principal business address
of Deloitte & Touche LLP is 201 East Kennedy Boulevard, Suite 1200, Tampa, FL
33602-5827.

                  INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

The financial statements and schedules of The Travelers Life and Annuity Company
as of December 31, 2004 and for each of the years in the two-year period ended
December 31, 2004, included herein, and the statement of changes in net assets
of Travelers Separate Account PF II for Variable Annuities for the year or
lesser periods ended December 31, 2004, and financial highlights for each of the
years or lesser periods in the four-year period ended December 31, 2004, also
included herein, have been included in reliance upon the reports of KPMG LLP,
independent registered public accounting firm, appearing elsewhere herein, and
upon the authority of said firm as experts in accounting and auditing. The audit
reports on The Travelers Life and Annuity Company refer to changes in the
Company's methods of accounting and reporting for certain nontraditional
long-duration contracts and for separate accounts in 2004.

                                       10


                                    PRIMELITE

                       STATEMENT OF ADDITIONAL INFORMATION

           METLIFE OF CT SEPARATE ACCOUNT PF II FOR VARIABLE ANNUITIES

                      INDIVIDUAL VARIABLE ANNUITY CONTRACT
                                    ISSUED BY

                 METLIFE LIFE AND ANNUITY COMPANY OF CONNECTICUT
                                  ONE CITYPLACE
                        HARTFORD, CONNECTICUT 06103-3415

MLAC-Book-36                                                         May 1, 2006