EXHIBIT 13

                          INDEPENDENT AUDITORS' CONSENT

The Board of Directors
The Travelers Insurance Company:

We consent to the use of our reports included herein or incorporated by
reference herein, and to the reference to our firm under the headings "Condensed
Financial Information" in the prospectus and "Independent Auditors" in the
Statement of Additional Information. Our reports covering the December 31, 2003,
consolidated financial statements and schedules of The Travelers Insurance
Company and subsidiaries refer to changes in the Company's methods of accounting
for variable interest entities in 2003, for goodwill and intangible assets in
2002, and for derivative instruments and hedging activities and for securitized
financial assets in 2001.

/s/ KPMG LLP

Hartford, Connecticut
April 26, 2004