EXHIBIT 18


            THE TRAVELERS QUALITY BOND ACCOUNT FOR VARIABLE ANNUITIES


                                POWER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS:


         That I, WILLIAM P. KRIVOSHIK of Wilton, Connecticut, Director, Senior
Vice President and Chief Information Officer of The Travelers Insurance Company
(hereafter the "Company"), do hereby make, constitute and appoint ERNEST J.
WRIGHT, Secretary of said Company, and KATHLEEN A. McGAH, Assistant Secretary of
said Company, or either one of them acting alone, my true and lawful
attorney-in-fact, for me, and in my name, place and stead, to sign registration
statements on behalf of said Company on Form N-3 or other appropriate form under
the Securities Act of 1933 and the Investment Company Act of 1940 for The
Travelers Quality Bond Account for Variable Annuities, a separate account of the
Company dedicated specifically to the funding of variable annuity contracts to
be offered by said Company, and further, to sign any and all amendments thereto,
including post-effective amendments, that may be filed by the Company on behalf
of said registrant.

         IN WITNESS WHEREOF, I have hereunto set my hand this 8th day of
December, 2004.


                                         /s/ William P. Krivoshik
                                         ---------------------------------------
                                         Director, Senior Vice President and
                                         Chief Information Officer
                                         The Travelers Insurance Company




            THE TRAVELERS QUALITY BOND ACCOUNT FOR VARIABLE ANNUITIES


                                POWER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS:


         That I, EDWARD W. CASSIDY of South Windsor, Connecticut, Director, and
Executive Vice President of The Travelers Insurance Company (hereafter the
"Company"), do hereby make, constitute and appoint ERNEST J. WRIGHT, Secretary
of said Company, and KATHLEEN A. McGAH, Assistant Secretary of said Company, or
either one of them acting alone, my true and lawful attorney-in-fact, for me,
and in my name, place and stead, to sign registration statements on behalf of
said Company on Form N-3 or other appropriate form under the Securities Act of
1933 and the Investment Company Act of 1940 for The Travelers Quality Bond
Account for Variable Annuities, a separate account of the Company dedicated
specifically to the funding of variable annuity contracts to be offered by said
Company, and further, to sign any and all amendments thereto, including
post-effective amendments, that may be filed by the Company on behalf of said
registrant.

         IN WITNESS WHEREOF, I have hereunto set my hand this 8th day of
December, 2004.


                                      /s/ Edward W. Cassidy
                                      ---------------------------------------
                                      Director, and Executive Vice President
                                      The Travelers Insurance Company