EXHIBIT 9(b)



                                                      KATHLEEN A. MCGAH
                                                      Deputy General Counsel
                                                      Legal Division - 19 CP
                                                      Telephone: (860) 308-6894
                                                      Fax: (860) 308-5155

                                                      June 11, 2003



The Travelers Life and Annuity Company
The Travelers Separate Account Ten for Variable Annuities
One Cityplace
Hartford, Connecticut 06103-3415

Gentlemen:

         With reference to the Registration Statement on Form N-4 filed by The
Travelers Life and Annuity Company and The Travelers Separate Account Ten 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 Ten 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 Ten for Variable
Annuities.

4.   Assets of The Travelers Separate Account Ten 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