NOVEMBER 30 SUPPLEMENT TO THE
                                                       TRAVELERS VINTAGE ANNUITY
                                                    PROSPECTUS DATED MAY 1, 2001



The Death Benefit section is amended by adding the following:

ENHANCED DEATH BENEFIT FOR CONTRACTS ISSUED BEFORE JUNE 1, 1997

IF THE ANNUITANT DIES BEFORE AGE 75 AND BEFORE THE MATURITY DATE, the Company
will pay to the beneficiary a death benefit equal to the greater of (1) the
guaranteed death benefit, or (2) the contract value less any applicable premium
tax or outstanding loans.

The guaranteed death benefit is equal to the purchase payments made to the
Contract (minus surrenders and applicable premium tax) increased by 5% on each
contract date anniversary, but not beyond the contract date anniversary
following the annuitant's 75th birthday, with a maximum guaranteed death benefit
of 200% of the total purchase payments minus surrenders and outstanding loans
and minus applicable premium tax.

IF THE ANNUITANT DIES ON OR AFTER AGE 75, BUT BEFORE AGE 85 AND BEFORE THE
MATURITY DATE, the Company will pay to the beneficiary a death benefit in an
amount equal to the greater of (1) the guaranteed death benefit as of the
annuitant's 75th birthday, plus additional purchase payments, minus surrenders
and applicable premium tax; or (2) the contract value less any applicable
premium tax and outstanding loans.

IF THE ANNUITANT DIES ON OR AFTER AGE 85 BUT BEFORE THE MATURITY DATE, the
Company will pay to the beneficiary a death benefit equal to the contract value
less any applicable premium tax and outstanding loans.




L-12253-DB                                                    November 30, 2001