Exhibit 32.2


                            SECTION 906 CERTIFICATION

 CERTIFICATION PURSUANT TO SECTION 1350 OF CHAPTER 63 OF TITLE 18 OF THE UNITED
                                  STATES CODE

         I, Stanley J. Talbi, the Chief Financial Officer of The Travelers
Insurance Company (the "Company"), certify that (i) the Company's Annual Report
on Form 10-K for the year ended December 31, 2005 (the "Form 10-K") fully
complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934 and (ii) the information contained in the Form 10-K fairly
presents, in all material respects, the financial condition and results of
operations of the Company.

Date:    March 31, 2006
                                 /s/ Stanley J. Talbi
                               -------------------------------------------------
                               Stanley J. Talbi
                               Senior Vice President and Chief Financial Officer