<PAGE>
                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 10-Q

       [X]    QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                  FOR THE QUARTERLY PERIOD ENDED JUNE 30, 2002

                                       OR

       [  ]   TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

               FOR THE TRANSITION PERIOD FROM ________ TO________


                         -------------------------------
                         COMMISSION FILE NUMBER 33-58677
                         -------------------------------


                     THE TRAVELERS LIFE AND ANNUITY COMPANY
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)


              CONNECTICUT                                  06-0904249
      (State or other jurisdiction of                  (I.R.S. Employer
      incorporation or organization)                   Identification No.)

                 ONE TOWER SQUARE, HARTFORD, CONNECTICUT 06183
              (Address of principal executive offices) (Zip Code)

                                 (860) 277-0111
              (Registrant's telephone number, including area code)


Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.

                 Yes     X                 No
                     -----------              -----------

As of the date hereof, there were outstanding 30,000 shares of common stock, par
value $100 per share, of the registrant, all of which were owned by The
Travelers Insurance Company, an indirect wholly owned subsidiary of Citigroup
Inc.


                            REDUCED DISCLOSURE FORMAT

The registrant meets the conditions set forth in General Instruction H(1)(a) and
(b) of Form 10-Q and is therefore filing this Form 10-Q with the reduced
disclosure format.


<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY

                                TABLE OF CONTENTS



PART I - FINANCIAL INFORMATION                                              Page
                                                                            ----

ITEM 1.  FINANCIAL STATEMENTS
-----------------------------

Condensed Statements of Income for the three and
six months ended June 30, 2002 and 2001 (unaudited)............................3

Condensed Balance Sheets as of June 30, 2002 (unaudited) and
December 31, 2001..............................................................4

Condensed Statements of Changes in Shareholder's Equity
for the three and six months ended June 30, 2002 and 2001 (unaudited)..........5

Condensed Statements of Cash Flows for the
six months ended June 30, 2002 and 2001 (unaudited)............................6

Notes to Condensed Financial Statements (unaudited)............................7

ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF
------------------------------------------------
FINANCIAL CONDITION AND RESULTS OF OPERATIONS..................................9
---------------------------------------------



PART II - OTHER INFORMATION

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K.....................................12
-----------------------------------------


SIGNATURES................................... ................................13

EXHIBIT 99.01.................................................................14

EXHIBIT 99.02.................................................................15


                                        2
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY
                         CONDENSED STATEMENTS OF INCOME
                                   (UNAUDITED)
                                ($ in thousands)


<TABLE>
<CAPTION>
                                                                 THREE MONTHS ENDED         SIX MONTHS ENDED
                                                                      JUNE 30,                  JUNE 30,
-----------------------------------------------------------------------------------------------------------------
                                                                2002          2001         2002          2001
                                                                ----          ----         ----          ----
<S>                                                          <C>           <C>          <C>           <C>
REVENUES
Premiums                                                     $  10,556     $   9,233    $  20,823     $  18,186
Net investment income                                           76,151        62,276      143,370       118,420
Realized investment gains (losses)                             (19,699)          349      (15,636)       21,154
Fee income                                                      50,398        42,921      100,563        82,517
Other revenues                                                   5,186         3,290        9,322         5,665
-----------------------------------------------------------------------------------------------------------------
     Total Revenues                                            122,592       118,069      258,442       245,942
-----------------------------------------------------------------------------------------------------------------

BENEFITS AND EXPENSES
Current and future insurance benefits                           21,410        18,968       46,790        42,742
Interest credited to contractholders                            42,933        29,637       82,126        55,356
Amortization of deferred acquisition costs                      22,295        20,727       13,675        40,592
Operating expenses                                               6,173         5,416       13,181        11,196
 -----------------------------------------------------------------------------------------------------------------
     Total Benefits and Expenses                                92,811        74,748      155,772       149,886
-----------------------------------------------------------------------------------------------------------------
Income before federal income taxes and cumulative
     effect of change in accounting principle                   29,781        43,321      102,670        96,056

Federal income taxes                                            10,422        15,088       35,961        33,471
-----------------------------------------------------------------------------------------------------------------
Income before cumulative effect of change in
    accounting principle                                        19,359        28,233       66,709        62,585
Cumulative effect of change in accounting for
    derivative instruments and hedging activities, net of
     tax                                                            --            --           --           (62)
-----------------------------------------------------------------------------------------------------------------
Net income                                                   $  19,359     $  28,233    $  66,709     $  62,523
=================================================================================================================
</TABLE>


                  See Notes to Condensed Financial Statements.


                                        3
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY
                            CONDENSED BALANCE SHEETS
                                ($ in thousands)


<TABLE>
<CAPTION>
                                                             JUNE 30, 2002    DECEMBER 31, 2001
                                                              (UNAUDITED)
--------------------------------------------------------------------------------------------------
<S>                                                          <C>              <C>
ASSETS
Investments (including $113,662 and $102,347 subject to
   securities lending agreements)                            $  4,547,070     $  3,938,782
Separate accounts                                               7,320,308        7,681,791
Deferred acquisition costs                                        966,681          814,369
Other assets                                                      359,441          221,325
--------------------------------------------------------------------------------------------------

     Total Assets                                            $ 13,193,500     $ 12,656,267
--------------------------------------------------------------------------------------------------


LIABILITIES
Future policy benefits                                       $  1,061,129     $  1,040,856
Contractholder funds                                            3,253,865        2,624,570
Separate accounts                                               7,320,308        7,681,791
Other liabilities                                                 531,641          331,486
--------------------------------------------------------------------------------------------------
     Total Liabilities                                         12,166,943       11,678,703
--------------------------------------------------------------------------------------------------

SHAREHOLDER'S EQUITY
Common stock, par value $100; 100,000 shares authorized,
     30,000 issued and outstanding                                  3,000            3,000
Additional paid-in capital                                        417,316          417,316
Retained earnings                                                 607,873          541,164
Accumulated other changes in equity from nonowner sources          (1,632)          16,084
--------------------------------------------------------------------------------------------------
     Total Shareholder's Equity                                 1,026,557          977,564
--------------------------------------------------------------------------------------------------

     Total Liabilities and Shareholder's Equity              $ 13,193,500     $ 12,656,267

==================================================================================================
</TABLE>


                  See Notes to Condensed Financial Statements.



                                        4
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY
             CONDENSED STATEMENTS OF CHANGES IN SHAREHOLDER'S EQUITY
                                   (UNAUDITED)
                                ($ in thousands)

<TABLE>
<CAPTION>
                                                                     THREE MONTHS ENDED            SIX MONTHS ENDED
                                                                          JUNE 30,                     JUNE 30,
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                                              <C>            <C>            <C>            <C>
COMMON STOCK                                                          2002           2001           2002           2001
-----------------------------------------------------------------------------------------------------------------------------------
Balance, beginning of period                                     $   3,000      $   3,000      $   3,000      $   3,000
Changes in common stock                                                 --             --             --             --
-----------------------------------------------------------------------------------------------------------------------------------
Balance, end of period                                           $   3,000      $   3,000      $   3,000      $   3,000
===================================================================================================================================
-----------------------------------------------------------------------------------------------------------------------------------
ADDITIONAL PAID-IN CAPITAL
-----------------------------------------------------------------------------------------------------------------------------------
Balance, beginning of period                                     $ 417,316      $ 417,316      $ 417,316      $ 417,316
Changes in Additional Paid-in-Capital                                   --             --             --             --
-----------------------------------------------------------------------------------------------------------------------------------
Balance, end of period                                           $ 417,316      $ 417,316      $ 417,316      $ 417,316
===================================================================================================================================
-----------------------------------------------------------------------------------------------------------------------------------
RETAINED EARNINGS
-----------------------------------------------------------------------------------------------------------------------------------

Balance, beginning of period                                     $ 588,514      $ 460,356      $ 541,164      $ 426,066
Net income                                                          19,359         28,233         66,709         62,523
-----------------------------------------------------------------------------------------------------------------------------------
Balance, end of period                                           $ 607,873      $ 488,589      $ 607,873      $ 488,589
===================================================================================================================================
-----------------------------------------------------------------------------------------------------------------------------------
ACCUMULATED OTHER CHANGES
IN EQUITY FROM NONOWNER SOURCES
-----------------------------------------------------------------------------------------------------------------------------------

Balance, beginning of period                                     $ (21,942)     $  30,692      $  16,084      $  13,622
Cumulative effect of change in accounting principle for
   derivative instruments and hedging activities, net of tax            --             --             --             62
Unrealized gains (losses), net of tax                               16,848        (16,650)       (19,824)        (1,519)
Derivative instrument hedging activity gains (losses),
    net of tax                                                       3,462         (1,444)         2,108            433
-----------------------------------------------------------------------------------------------------------------------------------
Balance, end of period                                           $  (1,632)     $  12,598      $  (1,632)     $  12,598
===================================================================================================================================
-----------------------------------------------------------------------------------------------------------------------------------
SUMMARY OF CHANGES IN EQUITY
FROM NONOWNER SOURCES
-----------------------------------------------------------------------------------------------------------------------------------

Net income                                                       $  19,359      $  28,233      $  66,709      $  62,523
Other changes in equity from nonowner sources                       20,310        (18,094)       (17,716)        (1,024)
-----------------------------------------------------------------------------------------------------------------------------------
Total changes in equity from nonowner sources                    $  39,669      $  10,139      $  48,993      $  61,499
===================================================================================================================================
</TABLE>


                  See Notes to Condensed Financial Statements.


                                        5
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY
                       CONDENSED STATEMENTS OF CASH FLOWS
                           INCREASE (DECREASE) IN CASH
                                   (UNAUDITED)
                                ($ in thousands)


<TABLE>
<CAPTION>
                                                                      SIX MONTHS ENDED
                                                                          JUNE 30,
                                                                   2002              2001
----------------------------------------------------------------------------------------------
<S>                                                           <C>              <C>
NET CASH USED IN OPERATING ACTIVITIES                         $   (88,223)     $   (82,729)
----------------------------------------------------------------------------------------------

CASH FLOWS FROM INVESTING ACTIVITIES
     Proceeds from maturities of investments
         Fixed maturities                                         112,820           36,114
         Mortgage loans                                            13,189            7,477
     Proceeds from sales of investments
         Fixed maturities                                         917,057          481,793
         Equity securities                                          1,044            5,013
     Purchases of investments
         Fixed maturities                                      (1,627,293)        (952,941)
         Equity securities                                           (346)          (1,219)
         Mortgage loans                                           (21,758)            (368)
     Policy loans, net                                               (987)          (1,989)
     Short-term securities sales (purchases), net                  17,496          (42,813)
     Other investment (purchases) sales, net                       (9,312)          13,435
     Securities transactions in course of settlement, net          68,232           98,384
----------------------------------------------------------------------------------------------
     Net cash used in investing activities                       (529,858)        (357,114)
----------------------------------------------------------------------------------------------

CASH FLOWS FROM FINANCING ACTIVITIES
     Contractholder fund deposits                                 748,540          541,435
     Contractholder fund withdrawals                             (119,245)         (84,544)
----------------------------------------------------------------------------------------------
     Net cash provided by financing activities                    629,295          456,891
----------------------------------------------------------------------------------------------

Net increase in cash                                               11,214           17,048

Cash at beginning of period                                        19,514           14,938
----------------------------------------------------------------------------------------------
Cash at end of period                                         $    30,728      $    31,986
----------------------------------------------------------------------------------------------

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
     Income taxes paid (received)                             $    19,347      $   (20,994)
==============================================================================================
</TABLE>

                  See Notes to Condensed Financial Statements.


                                        6
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY
               NOTES TO CONDENSED FINANCIAL STATEMENTS (UNAUDITED)


1.    BASIS OF PRESENTATION

      The Travelers Life and Annuity Company (the Company) is a wholly owned
      subsidiary of The Travelers Insurance Company (TIC), an indirect wholly
      owned subsidiary of Citigroup Inc. (Citigroup). Citigroup is a diversified
      global financial services holding company whose businesses provide a broad
      range of financial services to consumer and corporate customers around the
      world. The condensed financial statements and accompanying footnotes of
      the Company are prepared in conformity with accounting principles
      generally accepted in the United States of America (GAAP) and are
      unaudited. The preparation of financial statements in conformity with GAAP
      requires management to make estimates and assumptions that affect the
      reported amounts of assets and liabilities, the disclosure of contingent
      assets and liabilities at the date of the financial statements and the
      reported amounts of revenues and benefits and expenses during the
      reporting period. Actual results could differ from those estimates. In the
      opinion of management, the interim financial statements reflect all
      adjustments necessary (all of which were normal recurring adjustments) for
      a fair presentation of results for the periods reported. The accompanying
      condensed financial statements should be read in conjunction with the
      financial statements and related notes included in the Company's Annual
      Report on Form 10-K for the year ended December 31, 2001.

      Certain financial information that is normally included in annual
      financial statements prepared in accordance with GAAP, but is not required
      for interim reporting purposes, has been condensed or omitted.

      Certain prior year amounts have been reclassified to conform to the 2002
      presentation.

2.    CHANGES IN ACCOUNTING PRINCIPLES AND ACCOUNTING STANDARDS NOT YET ADOPTED

      ACCOUNTING CHANGES
      ------------------

      BUSINESS COMBINATIONS, GOODWILL AND OTHER INTANGIBLE ASSETS

      Effective January 1, 2002, the Company adopted the Financial Accounting
      Standards Board (FASB) Statements of Financial Accounting Standards No.
      141, "Business Combinations" (FAS 141) and No. 142, "Goodwill and Other
      Intangible Assets" (FAS 142). These standards change the accounting for
      business combinations by, among other things, prohibiting the prospective
      use of pooling-of-interests accounting and requiring companies to stop
      amortizing goodwill and certain intangible assets with an indefinite
      useful life created by business combinations accounted for using the
      purchase method of accounting. Instead, goodwill and intangible assets
      deemed to have an indefinite useful life will be subject to an annual
      review for impairment. All goodwill was fully amortized at December 31,
      2001 and the Company did not have any other intangible assets with an
      indefinite useful life. Other intangible assets that are not deemed to
      have an indefinite useful life will continue to be amortized over their
      useful lives. The carrying value of other intangible assets with useful
      lives is $13 million at June 30, 2002.


                                        7
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY
               NOTES TO CONDENSED FINANCIAL STATEMENTS (UNAUDITED)
                                   (CONTINUED)


      IMPAIRMENT OR DISPOSAL OF LONG-LIVED ASSETS

      Effective January 1, 2002, the Company adopted FASB Statement of Financial
      Accounting Standards No. 144, "Accounting for the Impairment or Disposal
      of Long-Lived Assets" (FAS 144). FAS 144 establishes a single accounting
      model for long-lived assets to be disposed of by sale. A long-lived asset
      classified as held for sale is to be measured at the lower of its carrying
      amount or fair value less cost to sell. Depreciation (amortization) is to
      cease. Impairment is recognized only if the carrying amount of a
      long-lived asset is not recoverable from its undiscounted cash flows and
      is measured as the difference between the carrying amount and fair value
      of the asset. Long-lived assets to be abandoned, exchanged for a similar
      productive asset, or distributed to owners in a spin-off are considered
      held and used until disposed of. Accordingly, discontinued operations are
      no longer to be measured on a net realizable value basis, and future
      operating losses are no longer recognized before they occur. The
      provisions of the new standard are to be applied prospectively. There has
      been no impact as of June 30, 2002 on the Company's results of operations,
      financial condition or liquidity and the Company does not expect the
      impact of this standard to be significant.

      ACCOUNTING STANDARDS NOT YET ADOPTED
      ------------------------------------

      In June 2002, the FASB issued Statement of Financial Accounting Standards
      No. 146, "Accounting for Costs Associated with Exit or Disposal
      Activities" (FAS 146). FAS 146 requires that a liability for costs
      associated with exit or disposal activities be recognized when the
      liability is incurred. Existing generally accepted accounting principles
      provide for the recognition of such costs at the date of management's
      commitment to an exit plan. In addition, FAS 146 requires that the
      liability be measured at fair value and be adjusted for changes in
      estimated cash flows.

      The provisions of the new standard are effective for exit or disposal
      activities initiated after December 31, 2002. The Company does not expect
      the impact of this new standard to be significant.

3.    SHAREHOLDER'S EQUITY

      Statutory capital and surplus of the Company was $407 million at December
      31, 2001. The Company is currently subject to various regulatory
      restrictions that limit the maximum amount of dividends available to be
      paid to its parent without prior approval of insurance regulatory
      authorities. The Company does not have surplus available to pay dividends
      to TIC in 2002 without prior approval of the State of Connecticut
      Insurance Department.


4.    COMMITMENTS AND CONTINGENCIES

      In the ordinary course of business, the Company is a defendant or
      co-defendant in various litigation matters incidental to and typical of
      the businesses in which it is engaged. In the opinion of the Company's
      management, the ultimate resolution of these legal proceedings would not
      be likely to have a material adverse effect on its results of operations,
      financial condition or liquidity.


                                        8
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY

ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS
--------------------------------------------------------------------------------

Management's narrative analysis of the results of operations is presented in
lieu of Management's Discussion and Analysis of Financial Condition and Results
of Operations, pursuant to General Instruction H(2)(a) of Form 10-Q.

The Travelers Life and Annuity Company (the Company) is a wholly owned
subsidiary of The Travelers Insurance Company (TIC), an indirect wholly owned
subsidiary of Citigroup Inc. (Citigroup).


RESULTS OF OPERATIONS ($ in millions)

<TABLE>
<CAPTION>
                       THREE MONTHS ENDED JUNE 30,        SIX MONTHS ENDED JUNE 30,

                           2002            2001            2002            2001
                           ----            ----            ----            ----

<S>                     <C>             <C>             <C>             <C>
Revenues                $  122.6        $  118.1        $  258.4        $  245.9

Net income (1)          $   19.4        $   28.2        $   66.7        $   62.5
</TABLE>

(1)   Includes net after-tax realized investment losses of $12.8 million and
      $10.2 million for the three and six months ended June 30, 2002 and gains
      of $.2 million and $13.7 million for the three and six months ended June
      30, 2001, respectively.

The Company offers fixed and variable deferred annuities and individual life
insurance to individuals and small businesses. These products are distributed
primarily through Salomon Smith Barney (SSB), Primerica Financial Services
(Primerica), affiliates of the Company, a nationwide network of independent
financial professionals and non-affiliated broker-dealers. In addition, the
Company distributes these products through CitiStreet Retirement Services and
Citibank, N.A. (Citibank), affiliates of the Company.

Net income decreased $8.8 million for the three months ended June 30, 2002
versus the prior year period. Included in the second quarter of 2002 were $12.9
million of after-tax realized investment losses related to the impairment of
investments in debt securities of WorldCom Inc. These realized losses were
partially offset by operating income growth of $4.2 million. Operating income,
defined as income before net realized investments gains or losses, was $32.2
million for the quarter ended June 30, 2002 up 14.8% from $28.0 million for the
same period in the prior year. This increase in operating income is related to
net investment income and fee income growth in the individual annuity and
individual life lines which reflects increased business volumes. These increased
volumes also caused a 12.9% increase in insurance benefits, a 44.9% increase in
interest credited to contractholders and a 7.6% increase in amortization of
deferred acquisition costs in the second quarter of 2002 over the same period in
2001.

Net income increased $4.2 million for the six months ended June 30, 2002
compared to the six months ended June 30, 2001. Net realized investment gains
decreased $23.9 million, primarily related to the $12.9 million WorldCom Inc.
loss during 2002 and various realized investment gains during 2001. This
decrease in realized gains was fully offset by a $28.1 million operating income
increase. Operating income was $76.9 million in the first six months of 2002
versus $48.8 million in the prior year period. This $28.1 million gain was
driven by business volume growth and a $19.4 million after-tax reduction to the
amortization of deferred acquisitions costs in the individual annuity product
line resulting from changes in underlying lapse and interest rate assumptions
during the first quarter of 2002.


                                        9
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY


BUSINESS VOLUME ($ IN MILLIONS)
<TABLE>
<CAPTION>
                                                       AT AND FOR THE                  AT AND FOR THE
                                                     THREE MONTHS ENDED               SIX MONTHS ENDED
                                                          JUNE 30,                        JUNE 30,
                                                    2002            2001            2002            2001
                                                    ----            ----            ----            ----
<S>                                                <C>             <C>             <C>             <C>
Individual Annuity Account Balances                $9,896          $8,838          $9,896          $8,838
Individual Life Net Premiums and Deposits          $  117          $   80          $  232          $  151
</TABLE>


The growth in individual annuity account balances reflects good in-force policy
retention. Declining variable annuity sales were partially offset by increased
fixed annuity deposits during the three and six months ended June 30, 2002
versus the prior year periods, particularly in the non-affiliated broker-dealer
channel.

Individual life volumes continued to grow reflecting strong universal life and
traditional life sales through the independent financial professionals channel
and SSB.

PREMIUMS AND DEPOSITS ($ IN MILLIONS)

<TABLE>
<CAPTION>
                                        THREE MONTHS ENDED                SIX MONTHS ENDED
                                             JUNE 30,                         JUNE 30,

                                      2002            2001           2002             2001
                                      ----            ----           ----             ----
<S>                                  <C>             <C>             <C>             <C>
Deposits
------
Individual Annuity                   $  767          $  868          $1,517          $1,608
Individual Life                         107              72             213             135
Other Annuity                             1              --               2               1
                                     ------          ------          ------          ------
     Total Deposits                  $  875          $  940          $1,732          $1,744
     Total Premiums                      11               9              21              18
---------------------------          ------          ------          ------          ------
Total Premiums and Deposits          $  886          $  949          $1,753          $1,762
                                     ======          ======          ======          ======
</TABLE>

The majority of the annuity business and a substantial portion of the individual
life business written by the Company are accounted for as investment contracts,
with the result that the deposits collected from contractholders are reported as
liabilities and are not included in revenues. Declining variable sales were
partially offset by increased fixed annuity deposits in both the three and six
months ended June 30, 2002.

INSURANCE REGULATIONS

Risk-based capital requirements are used as minimum capital requirements by the
National Association of Insurance Commissioners (NAIC) and the states to
identify companies that merit further regulatory action. At December 31, 2001,
the Company had total adjusted capital in excess of amounts requiring any
regulatory action as defined by the NAIC.

The Company is subject to various regulatory restrictions that limit the maximum
amount of dividends available to be paid to its parent without prior approval of
insurance regulatory authorities in the state of domicile. The Company does not
have surplus available to pay dividends to its parent in 2002 without prior
approval of the State of Connecticut Insurance Department. The Company did not
pay any dividends to its parent during the six months ended June 30, 2002.


                                       10
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY

FUTURE APPLICATION OF ACCOUNTING STANDARDS

See Note 2 of Notes to Condensed Financial Statements for a discussion of
recently issued accounting pronouncements.

FORWARD-LOOKING STATEMENTS

Certain of the statements contained herein that are not historical facts are
forward-looking statements within the meaning of the Private Securities
Litigation Reform Act. The Company's actual results may differ materially from
those included in the forward-looking statements. Forward-looking statements are
typically identified by the words "believe," "expect," "anticipate," "intend,"
"estimate," "may increase," "may fluctuate," and similar expressions or future
or conditional verbs such as "will," "should," "would," and "could." These
forward-looking statements involve risks and uncertainties including, but not
limited to, the resolution of legal proceedings.


                                       11
<PAGE>


                     THE TRAVELERS LIFE AND ANNUITY COMPANY

                           PART II - OTHER INFORMATION

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K
-----------------------------------------

(a)  EXHIBITS.

    EXHIBIT NO.    DESCRIPTION
    -----------   --------------

      3.01        Charter of The Travelers Life and Annuity Company (the
                  "Company"), as amended on April 10, 1990, incorporated herein
                  by reference to Exhibit 6(a) to the Registration Statement on
                  Form N-4, File No. 33-58131, filed on March 17, 1995.

      3.02        By-laws of the Company, as amended on October 20, 1994,
                  incorporated herein by reference to Exhibit 6(b) to the
                  Registration Statement on Form N-4, File No. 33-58131, filed
                  on March 17, 1995.



     99.01+ Certification Pursuant to 18 U.S.C. Section 1350.

     99.02+ Certification Pursuant to 18 U.S.C. Section 1350.
     ------------------------
     +Filed herewith



(b)  REPORTS ON FORM 8-K.

None.


                                       12
<PAGE>

                     THE TRAVELERS LIFE AND ANNUITY COMPANY

                                   SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.



                                          THE TRAVELERS LIFE AND ANNUITY COMPANY
                                                      (Registrant)


Date  August 14, 2002                 /s/ Glenn D. Lammey
    -----------------------           -----------------------------------------

                                      Glenn D. Lammey
                                      Executive Vice President,
                                      Chief Financial Officer and
                                      Chief Accounting Officer
                                      (Principal Financial Officer and
                                      Principal Accounting Officer)


                                       13