EXHIBIT 13


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


The Board of Directors
The Travelers Insurance Company:

We consent to the use of our reports, incorporated herein by reference. 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
January 21, 2005