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                                                                     Exhibit 11

                                               KATHLEEN A. McGAH
                                               Deputy General Counsel
                                               Legal Division - 8 MS
                                               Telephone: (860) 277-7389
                                               Fax: (860) 277-0842



                                                  June 29, 2000


The Travelers Insurance Company
The Travelers Fund UL Variable Life Insurance
One Tower Square
Hartford, Connecticut 06183

Gentlemen:

        With reference to the Registration Statement, File No. 333-96519, on
Form S-6, filed by The Travelers Insurance Company and The Travelers Fund UL for
Variable Life Insurance with the Securities and Exchange Commission covering
variable life insurance policies, 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 Insurance 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 life insurance
             policies by the Insurance Commissioner of the State of Connecticut.

        2.   The Travelers Fund UL for Variable Life Insurance is a duly
             authorized and validly existing separate account established
             pursuant to Section 38a-433 of the Connecticut General Statutes.

        3.   The variable life insurance policies 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 Insurance
             Company and The Travelers Fund UL for Variable Life Insurance.

        4.   Assets of The Travelers Fund UL for Variable Life Insurance are not
             chargeable with liabilities arising out of any other business The
             Travelers Insurance 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 Insurance Company