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Supplement dated January 12, 1999
To Prospectus dated December 3, 1998
TRAVELERS RETIREMENT ACCOUNT
1. The following information supplements the description of the Liquidity
Benefit in "The Annuity Period" section of the prospectus:
Note: The liquidity benefit is unavailable until the SEC declares
the registration statement relating to this benefit effective.
2. The following information supplements the "Available Information" and
"Incorporation of Certain Documents by Reference" sections of the
prospectus:
The information contained in the "Available Information" and
"Incorporation of Certain Documents by Reference" sections of this
prospectus pertains only to the liquidity benefit offered through
this contract. As stated above, the liquidity benefit is unavailable
until the SEC declares the registration statement relating to this
benefit effective.
3. The following information supplements the "The Funding Options" section of
the prospectus:
The Equity Index Portfolio Class II Fund is unavailable at this time.
L-21256-A
