1
Supplement dated December 30, 1997 to Statements of Additional Information 
(SAIs) or prospectuses as listed below:



                                                        
May 1, 1997 SAIs:                                          May 1, 1997 prospectuses:

- -  Travelers Fund ABD for Variable Annuities               -  Travelers Insurance Company T-Mark; Modified
- -  Travelers Fund ABD II for Variable Annuities               Guaranteed Annuity
- -  Travelers Fund BD for Variable Annuities                -  Travelers Target Maturity Modified Guaranteed
- -  Travelers Fund BD II for Variable Annuities                Annuity (Travelers Insurance Company)
- -  Travelers Universal Annuity                             -  Travelers Target Maturity Modified Guaranteed
                                                              Annuity (Travelers Life and Annuity Company)
August 14, 1997 SAIs:                                      -  Travelers Fund VA for Variable Annuities
                                                           
- -  Travelers Fund BD III for Variable Annuities               
- -  Travelers Fund BD IV for Variable Annuities                
                                                           
November 17, 1997 SAIs:                                       
                                                              
- -  Travelers Separate Account PF for Variable              
   Annuities                                                  
- -  Travelers Separate Account PF II for Variable
   Annuities


The following paragraphs should be added to the Individual Retirement Annuities
sub-section of the Federal Tax Consideration section contained in the above
prospectuses or SAIs:

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, ($2,000 per year for annual contributions), 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 the Roth IRA.


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