EXHIBIT 15


                     THE TRAVELERS LIFE AND ANNUITY COMPANY

                                POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS:

         That I, EDWARD W. CASSIDY of South Windsor, Connecticut, Director, and
Executive Vice President of The Travelers Life and Annuity Company (hereafter
the "Company"), do hereby make, constitute and appoint ERNEST J. WRIGHT,
Secretary of said Company, and KATHLEEN A. McGAH, Assistant Secretary of said
Company, or either one of them acting alone, my true and lawful
attorney-in-fact, for me, and in my name, place and stead, to sign registration
statements on behalf of said Company on Form N-4 or other appropriate form under
the Securities Act of 1933 for variable life insurance contracts and modified
annuity contracts to be offered by said Company, and further, to sign any and
all amendments thereto, including pre-effective and post-effective amendments,
that may be filed by the Company on behalf of said registrant.

         IN WITNESS WHEREOF, I have hereunto set my hand this 8th day of
February, 2005.

                                          /s/ Edward W. Cassidy
                                          --------------------------------------
                                          Director, and Executive Vice President
                                          The Travelers Life and Annuity Company



                         THE TRAVELERS INSURANCE COMPANY

                                POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS:

         That I, WILLIAM P. KRIVOSHIK of Wilton, Connecticut, Director, Senior
Vice President and Chief Information Officer of The Travelers Life and Annuity
Company (hereafter the "Company"), do hereby make, constitute and appoint ERNEST
J. WRIGHT, Secretary of said Company, and KATHLEEN A. McGAH, Assistant Secretary
of said Company, or either one of them acting alone, my true and lawful
attorney-in-fact, for me, and in my name, place and stead, to sign registration
statements on behalf of said Company on Form N-4 or other appropriate form under
the Securities Act of 1933 for variable life insurance contracts and modified
annuity contracts to be offered by said Company, and further, to sign any and
all amendments thereto, including pre-effective and post-effective amendments,
that may be filed by the Company on behalf of said registrant.

         IN WITNESS WHEREOF, I have hereunto set my hand this 8th day of
February, 2005.

                   /s/ William P. Krivoshik
                   ---------------------------------------------------
                   Director, Senior Vice President and Chief Information Officer
                   The Travelers Life and Annuity Company