TRAVELERS QUALITY BOND ACCOUNT FOR VARIABLE ANNUITIES
497J, 1996-05-03
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                       [TRAVELERS INSURANCE LETTERHEAD]


U.S. Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.  20549
Attention: Filing Desk

May 3, 1996


Re: Rule 497(j) Filings


Dear Members of the Staff:

I hereby certify that the following documents are being filed pursuant
to Rule 497(j) of the Securities Act of 1933 because the prospectuses and
Statements of Additional Information that would have been filed under paragraph
(b) or (c) of this section would not have differed from those contained in
each registrant's most recent post-effective amendment.  In addition, I certify
that the text of the registrants' most recent post-effective amendments were
filed electronically via EDGAR.

FILED ON FORM N-4 UNDER TYPE 486BPOS:

- -  Universal Annuity - Individual and Group Variable Annuity Contracts
   prospectus and Statement of Additional Information

- -  The Travelers Fund BD for Variable Annuities prospectus and Statement of
    Additional Information

- -  The Travelers Fund BD II for Variable Annuities prospectus and Statement of
    Additional Information

FILED ON FORM N-1A UNDER TYPE 485BPOS:

- -  Managed Assets Trust prospectus and Statement of Additional Information

- -  Capital Appreciation Fund prospectus and Statement of Additional Information

- -  Cash Income Trust prospectus and Statement of Additional Information

- -  High Yield Bond Trust prospectus and Statement of Additional Information

- -  Travelers Series Trust prospectuses (2 versions) and Statement of Additional 
    Information


FILED ON FORM N-3 UNDER TYPE 486BPOS:

- -  The Travelers Growth and Income Stock Account for Variable Annuities and The
    Travelers Quality Bond Account for Variable Annuities (Individual) 
    prospectus and Statement of Additional Information 
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- -  The Travelers Growth and Income Stock Account for Variable Annuities and The
    Travelers Quality Bond Account for Variable Annuities (Group) prospectus and
    Statement of Additional Information

- -  The Travelers Growth and Income Stock Account for Variable Annuities
    prospectus and Statement of Additional Information (Group)

   The following are contained in the Universal Annuity prospectus and
    SAIs: 

- -  The Travelers Timed Growth and Income Stock Account for Variable
    Annuities

- -  The Travelers Money Market Account for Variable Annuities

- -  The Travelers Timed Short-Term Bond Account for Variable Annuities

- -  The Travelers Timed Aggressive Stock Account for Variable Annuities

- -  The Travelers Timed Short-Term Bond Account for Variable Annuities

FILED ON FORM S-2 UNDER TYPE POS AMI:
(Definitive materials previously filed under Rule 424)

- -  T-Mark (Group and Individual)

FILED ON FORM S-6 UNDER TYPE 485BPOS: 
(Definitive materials previously filed under Rule 424)

- -  Fund UL (MarketLife and InVest)

- -  Separate Account One (VintageLife in TLAC)

- -  Separate Account Three (VintageLife in TIC)

If you have any questions regarding this certification, please contact the
undersigned at (860) 277-7389.

Sincerely,


/s/ Kathleen A. McGah
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Kathleen A. McGah



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