TRAVELERS INSURANCE CO
S-2, EX-24.B, 2000-07-13
LIFE INSURANCE
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                                                                   Exhibit 24(b)

                         REGISTERED FIXED ACCOUNT OPTION

                                POWER OF ATTORNEY

       KNOW ALL MEN BY THESE PRESENTS:

       That I, GEORGE C. KOKULIS of Simsbury, Connecticut, Director and Chairman
of the Board, President and Chief Executive 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 S-2 or other appropriate form under
the Securities Act of 1933 for certain fixed annuity contracts to be offered by
The Travelers Insurance 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 29th day of June
2000.

                              /s/George C. Kokulis
                              Director and Chairman of the Board
                              President and Chief Executive Officer
                              The Travelers Insurance Company


<PAGE>   2


                         REGISTERED FIXED ACCOUNT OPTION

                                POWER OF ATTORNEY

       KNOW ALL MEN BY THESE PRESENTS:

       That I, GLENN D. LAMMEY of Simsbury, Connecticut, Director, Executive
Vice President, 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 S-2 or
other appropriate form under the Securities Act of 1933 for certain fixed
annuity contracts to be offered by The Travelers Insurance 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 29th day of June
2000.

                               /s/Glenn D. Lammey
                               Director, Executive Vice President
                               Chief Financial Officer
                               Chief Accounting Officer and Controller
                               The Travelers Insurance Company


<PAGE>   3


                         REGISTERED FIXED ACCOUNT OPTION

                                POWER OF ATTORNEY

       KNOW ALL MEN BY THESE PRESENTS:

       That I, MARLA BERMAN LEWITUS of Marlborough, Massachusetts, Director,
Senior Vice President and General Counsel 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 S-2 or other appropriate form under
the Securities Act of 1933 for certain fixed annuity contracts to be offered by
The Travelers Insurance 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 29th day of June
2000.

                               /s/ Marla Berman Lewitus
                               Director, Senior Vice President and
                               General Counsel
                               The Travelers Insurance Company


<PAGE>   4


                         REGISTERED FIXED ACCOUNT OPTION

                                POWER OF ATTORNEY

       KNOW ALL MEN BY THESE PRESENTS:

       That I, KATHERINE M. SULLIVAN of Longmeadow, 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 S-2 or
other appropriate form under the Securities Act of 1933 for certain fixed
annuity contracts to be offered by The Travelers Insurance 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 29th day of June
2000.

                               /s/Katherine M. Sullivan
                               Director
                               The Travelers Insurance Company




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