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                                                                      Exhibit 18


            THE TRAVELERS QUALITY BOND ACCOUNT FOR VARIABLE ANNUITIES


                                POWER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS:


         That I, GLENN D. LAMMEY of Simsbury, Connecticut, Director, Chief
Financial Officer, Chief Accounting Officer and Controller 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 30th day of March,
2001.


                                     /s/Glenn D. Lammey
                                     Director, Chief Financial Officer,
                                     Chief Accounting Officer and Controller
                                     The Travelers Insurance Company
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            THE TRAVELERS QUALITY BOND ACCOUNT FOR VARIABLE ANNUITIES


                                POWER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS:


         That I, MARLA BERMAN LEWITUS of Marlborough, Massachusetts, a Director
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 30th day of March,
2001.


                                          /s/Marla Berman Lewitus
                                          Director
                                          The Travelers Insurance Company
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            THE TRAVELERS QUALITY BOND ACCOUNT FOR VARIABLE ANNUITIES


                                POWER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS:


         That I, WILLIAM R. HOGAN of Farmington, Connecticut, a Director 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 26th day of March,
2001.


                                         /s/William R. Hogan
                                         Director
                                         The Travelers Insurance Company