Metropolitan Life Separate Account E, et al. – ‘485BPOS’ on 4/10/18

On:  Tuesday, 4/10/18, at 5:26pm ET   ·   Effective:  4/30/18   ·   Accession #:  1193125-18-113154   ·   File #s:  811-04001, 333-190296

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Post-Effective Amendment
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Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Gold Track Select Post-Effective Amendment No. 5     590±  2.56M 
 4: EX-99.10    Consent of Independent Registered Public               1      5K 
                          Accounting Firm (Deloitte & Touche LLP)                
 2: EX-99.3(A)  Form of Amended and Restated Principal                 8     27K 
                          Underwriting Agreement                                 
 3: EX-99.3(I)(III)  Amended and Restated Participation Agreement     34    102K 
                          Among Fidelity and Mlic                                

485BPOS   —   Gold Track Select Post-Effective Amendment No. 5
Document Table of Contents

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As filed with the Securities and Exchange Commission on April 10, 2018

                                       Registration Numbers 333-190296/811-04001
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UNITED STATES 
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

------------  
FORM N-4

                                                                [Download Table]
                                                                     
  REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933            
               PRE-EFFECTIVE AMENDMENT NO.                        [ ]
             POST-EFFECTIVE AMENDMENT NO. 5                       [X]
                         AND/OR                                      
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940      
                    AMENDMENT NO. 266                             [X]

------------  
METROPOLITAN LIFE SEPARATE ACCOUNT E
(EXACT NAME OF REGISTRANT)

METROPOLITAN LIFE INSURANCE COMPANY 

(Exact Name of Depositor) 

200 PARK AVENUE, NEW YORK, NEW YORK 10166 
(Address of Depositor's Principal Executive Offices) (zip code) 
(212) 578-9500
(Depositor's Telephone Number, including Area Code) 

------------  
(Name and Address of Agent for Service) 

STEPHEN GAUSTER, ESQ. 

SENIOR VICE PRESIDENT AND INTERIM GENERAL COUNSEL 
METROPOLITAN LIFE INSURANCE COMPANY 
200 PARK AVENUE 
NEW YORK, NEW YORK 10166
COPIES TO:
W. THOMAS CONNER, ESQ.

VEDDER PRICE P.C. 

1633 BROADWAY, 31st FLOOR 
NEW YORK, NEW YORK 10019

------------  
Approximate Date of Proposed Public Offering:                                   
On April 30, 2018 or as soon thereafter as practicable.                         

It is proposed that this filing will become effective (check appropriate box):  

[ ] immediately upon filing pursuant to paragraph (b) of Rule 485.              

[X] on April 30, 2018 pursuant to paragraph (b) of Rule 485.                    

[ ] days after filing pursuant to paragraph (a)(1) of Rule 485.                 

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[ ] pursuant to paragraph (a)(1) of Rule 485.                                   

If appropriate, check the following box:                                        

[ ] this post-effective amendment designates a new effective date for a         
previously filed post-effective amendment.                                      

Title of Securities Being Registered: Allocated and Unallocated Group Variable  
Annuity Contracts                                                               
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GOLD TRACK SELECT PROSPECTUS
This prospectus describes Gold Track Select, a flexible premium variable        
annuity contract (the "Contract") issued by Metropolitan Life Insurance Company 
(the "Company", "Our", "Us" or "We"). The Contract is available for use in      
connection with 401(a) Plans, 401(k) Plans, 403 Plans and 457(b) Plans. This    
version of the Contract is only available in New York State.                    

The Contract's value will vary daily to reflect the investment experience of    
the Divisions of the Underlying Funds (referred to as "Subaccounts" in Your     
Contract available through Metropolitan Life Separate Account E) You select     
and, subject to availability, the interest credited to the Fixed Account. The   
Underlying Funds available for all Contracts are:                               

AMERICAN FUNDS INSURANCE SERIES(R) -- CLASS 2                                   
American Funds Global Growth Fund                                     
American Funds Growth Fund                                            
American Funds Growth-Income Fund                                     
BRIGHTHOUSE FUNDS TRUST I                                                       
American Funds(R) Balanced Allocation Portfolio -- Class C            
American Funds(R) Growth Allocation Portfolio -- Class C              
American Funds(R) Moderate Allocation Portfolio -- Class C            
BlackRock High Yield Portfolio -- Class A                             
Brighthouse Asset Allocation 100 Portfolio -- Class B                 
Brighthouse Small Cap Value Portfolio -- Class B                      
Brighthouse/Aberdeen Emerging Markets Equity Portfolio -- Class A     
Brighthouse/Wellington Large Cap Research Portfolio -- Class E        
Clarion Global Real Estate Portfolio -- Class A                       
ClearBridge Aggressive Growth Portfolio -- Class B                    
Harris Oakmark International Portfolio -- Class A                     

Invesco Comstock Portfolio -- Class B                                 

Invesco Small Cap Growth Portfolio -- Class A                         
JPMorgan Small Cap Value Portfolio -- Class A                         
MetLife Multi-Index Targeted Risk Portfolio -- Class B                
MFS(R) Research International Portfolio -- Class B                    
Oppenheimer Global Equity Portfolio -- Class B                        
PIMCO Inflation Protected Bond Portfolio -- Class A                   
PIMCO Total Return Portfolio -- Class B                               

Schroders Global Multi-Asset Portfolio -- Class B                     

T. Rowe Price Large Cap Value Portfolio -- Class B                    

Victory Sycamore Mid Cap Value Portfolio -- Class B (formerly Invesco Mid   
Cap Value Portfolio)                                                    

BRIGHTHOUSE FUNDS TRUST II                                                      
BlackRock Bond Income Portfolio -- Class A                            

BlackRock Capital Appreciation Portfolio -- Class A                   

BlackRock Ultra-Short Term Bond Portfolio -- Class A                  
Brighthouse Asset Allocation 20 Portfolio -- Class B                  
Brighthouse Asset Allocation 40 Portfolio -- Class B                  
Brighthouse Asset Allocation 60 Portfolio -- Class B                  
Brighthouse Asset Allocation 80 Portfolio -- Class B                  
Brighthouse/Wellington Balanced Portfolio -- Class A                  
Brighthouse/Wellington Core Equity Opportunities Portfolio -- Class A 
Frontier Mid Cap Growth Portfolio -- Class D                          

Jennison Growth Portfolio -- Class A                                  
MetLife Aggregate Bond Index Portfolio -- Class A                     
MetLife Mid Cap Stock Index Portfolio -- Class G                      
MetLife MSCI EAFE(R) Index Portfolio -- Class A                       
MetLife Russell 2000(R) Index Portfolio -- Class A                    
MetLife Stock Index Portfolio -- Class A                              
MFS(R) Total Return Portfolio -- Class F                              
MFS(R) Value Portfolio -- Class A                                     

MFS(R) Value Portfolio -- Class B                                     

Neuberger Berman Genesis Portfolio -- Class A                         
T. Rowe Price Large Cap Growth Portfolio -- Class B                   
T. Rowe Price Small Cap Growth Portfolio -- Class B                   
Western Asset Management Strategic Bond Opportunities Portfolio -- Class A  
Western Asset Management U.S. Government Portfolio -- Class A         
DELAWARE VIP(R) TRUST -- STANDARD CLASS                                         
Delaware VIP(R) Small Cap Value Series                                
FIDELITY(R) VARIABLE INSURANCE PRODUCTS -- SERVICE CLASS 2                      
Contrafund(R) Portfolio                                               
Freedom 2020 Portfolio                                                
Freedom 2025 Portfolio                                                
Freedom 2030 Portfolio                                                
Freedom 2040 Portfolio                                                
Freedom 2050 Portfolio                                                
Mid Cap Portfolio                                                     
FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST -- CLASS 2                 
Templeton Developing Markets VIP Fund                                 
Templeton Foreign VIP Fund                                            
JANUS ASPEN SERIES -- SERVICE SHARES                                            

Janus Henderson Enterprise Portfolio (formerly Enterprise Portfolio)  

LEGG MASON PARTNERS VARIABLE EQUITY TRUST -- CLASS I                            
ClearBridge Variable Appreciation Portfolio                           
ClearBridge Variable Dividend Strategy Portfolio                      
ClearBridge Variable Large Cap Growth Portfolio                       
ClearBridge Variable Small Cap Growth Portfolio                       
LEGG MASON PARTNERS VARIABLE INCOME TRUST -- CLASS I                            
Western Asset Core Plus VIT Portfolio                                 
TRUST FOR ADVISED PORTFOLIOS                                                    
1919 Variable Socially Responsive Balanced Fund                       

Certain Underlying Funds have been subject to a change. Please see "Appendix B  
-- Additional Information Regarding the Underlying Funds."                      

The Fixed Account is described in a separate prospectus.                        

This prospectus sets forth the information that You should know before          
investing in the Contract. This prospectus should be kept for future reference. 
You can receive additional information about Your Contract by requesting a      
Statement of Additional Information ("SAI") dated April 30, 2018.               

We filed the SAI with the Securities and Exchange Commission ("SEC"), and it is 
incorporated by reference into this prospectus. To request a copy, write to Us  
at P.O. Box 10342, Des Moines, IA, 50306, call 1-800-842-9406, or access the    
SEC's website (http://www.sec.gov). See Appendix D for the SAI's table of       
contents.                                                                       

NEITHER THE SECURITIES AND EXCHANGE COMMISSION NOR ANY STATE SECURITIES         
COMMISSION HAS APPROVED OR DISAPPROVED THESE SECURITIES OR THE ADEQUACY OF THIS 
PROSPECTUS. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.           

VARIABLE ANNUITY CONTRACTS ARE NOT DEPOSITS OF ANY BANK, AND ARE NOT INSURED OR 
GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT 
AGENCY.                                                                         

PROSPECTUS DATED: APRIL 30, 2018

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TABLE OF CONTENTS 

                                                                [Download Table]

                                                               PAGE
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Glossary.....................................................    3 
Summary......................................................    6 
Fee Table....................................................    9 
Condensed Financial Information..............................   12 
The Annuity Contract and Your Retirement Plan................   12 
  403(b) Plan Terminations...................................   12 
  Other Plan Terminations....................................   13 
The Annuity Contract.........................................   13 
  Contract Owner Inquiries...................................   14 
  Allocated Contracts........................................   14 
  Unallocated Contracts......................................   14 
  Purchase Payments..........................................   14 
  Accumulation Units.........................................   14 
  Valuation of Assets........................................   15 
  The Divisions of the Underlying Funds......................   15 
  Underlying Funds Which Are Fund of Funds...................   22 
Charges And Deductions.......................................   22 
  General....................................................   22 
  Surrender Charge...........................................   23 
  Free Withdrawal Allowance..................................   24 
  Transfer Charge............................................   24 
  Mortality and Expense Risk Charge..........................   24 
  Underlying Fund Expenses...................................   24 
  Variable Liquidity Benefit Charge..........................   24 
  Administrative Charge......................................   25 
  TPA Administrative Charges.................................   25 
  Premium Tax................................................   25 
  Income Taxes...............................................   25 
  Changes in Taxes Based upon Premium or Value...............   25 
  Account Reduction Loan Fees................................   25 
Transfers....................................................   25 
  Restrictions on Transfers..................................   26 
  Dollar Cost Averaging......................................   28 
Access to Your Money.........................................   28 
  Systematic Withdrawals.....................................   29 
  Account Reduction Loans....................................   29 
Ownership Provisions.........................................   29 
  Types of Ownership.........................................   29 
  Contract Owner.............................................   29 
  Beneficiary................................................   30 
  Abandoned Property Requirements............................   30 
  Annuitant..................................................   30 
Death Benefit................................................   30 
  Death Benefit Proceeds Prior to the Maturity Date..........   30 
  Payment of Proceeds........................................   31 
  Death Proceeds after the Maturity Date.....................   31 

                                                                [Download Table]

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  Total Control Account......................................   31 
The Annuity Period...........................................   32 
  Maturity Date..............................................   32 
  Allocation of Annuity......................................   32 
  Variable Annuity...........................................   32 
  Fixed Annuity..............................................   33 
  Election of Options........................................   33 
  Retired Life Certificate...................................   33 
  Allocation of Contract Value During the Annuity Period.....   33 
  Annuity Options............................................   34 
  Variable Liquidity Benefit.................................   35 
Miscellaneous Contract Provisions............................   35 
  Right to Return............................................   35 
  Termination of Allocated Contracts.........................   35 
  Contract Exchanges.........................................   36 
  Suspension of Payments.....................................   36 
  Misstatement...............................................   36 
  Funding Options............................................   37 
  Cybersecurity Risks........................................   37 
The Separate Account.........................................   37 
  Performance Information....................................   38 
Federal Tax Considerations...................................   38 
  Qualified Annuity Contracts................................   38 
  Additional Information Regarding TSA (ERISA and                  
    non-ERISA) 403(b)........................................   43 
Other Information............................................   45 
  The Insurance Company......................................   45 
  Financial Statements.......................................   45 
  Distribution of the Contracts..............................   45 
  Conformity with State and Federal Laws.....................   46 
  Voting Rights..............................................   46 
  Contract Modification......................................   46 
  Third Party Requests.......................................   46 
  Postponement of Payment (the "Emergency                          
    Procedure")..............................................   47 
  Restrictions on Financial Transactions.....................   47 
  Legal Proceedings..........................................   47 
Appendix A: Condensed Financial Information for                    
  Metropolitan Life Separate Account E.......................  A-1 
Appendix B: Additional Information Regarding the                   
  Underlying Funds...........................................  B-1 
Appendix C: Portfolio Legal And Marketing Names..............  C-1 
Appendix D: Contents of The Statement of Additional                
  Information................................................  D-1 
Appendix E: Competing Funds..................................  E-1 

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GLOSSARY

ACCUMULATION PERIOD -- The period before the commencement of Annuity Payments.  

ACCUMULATION UNIT -- An accounting unit of measure used to calculate Contract   
Values before Annuity Payments begin.                                           

ANNUITANT -- A person on whose life the Maturity Date depends and Annuity       
Payments are made.                                                              

ANNUITY -- Payment of income for a stated period or amount.                     

ANNUITY PAYMENTS -- A series of periodic payments (i) for life; (ii) for life   
with a minimum number of payments; (iii) for the joint lifetime of the          
Annuitant and another person, and thereafter during the lifetime of the         
survivor; or (iv) for a fixed period.                                           

ANNUITY PERIOD -- The period following commencement of Annuity Payments.        

ANNUITY UNIT -- An accounting unit of measure used to calculate the amount of   
Annuity Payments.                                                               

BENEFICIARY(IES) -- The person(s) or trustee designated to receive any          
remaining contractual benefits in the event of a Participant's, Annuitant's or  
Contract Owner's death, as applicable.                                          

CASH SURRENDER VALUE -- The Contract Value less any amounts deducted upon a     
withdrawal or surrender, outstanding loans, if available under the Contract,    
any applicable Premium Taxes or other surrender charges not previously          
deducted.                                                                       

CERTIFICATE -- (If Applicable) the document issued to Participants under a      
master group Contract. Any reference in this prospectus to the Contract         
includes the underlying Certificate.                                            

CODE -- The Internal Revenue Code of 1986, as amended, and all related laws and 
regulations that are in effect during the term of this Contract.                

COMPANY (WE, US, OUR) -- Metropolitan Life Insurance Company ("MetLife").       

COMPETING FUND -- Any investment option under the Plan, which, in Our opinion,  
consists primarily of fixed-income securities and/or money market instruments.  

CONTRACT -- For convenience, means the Contract or Certificate (if applicable). 
For example, Contract Year also means Certificate Year.                         

CONTRACT DATE -- The date on which the Contract is issued. For certain group    
Contracts, it is the date on which the Contract becomes effective, as shown on  
the specifications page of the Contract.                                        

CONTRACT DISCONTINUANCE -- Termination of the Contract by the Contract Owner of 
the Contract and all Certificates, if any.                                      

CONTRACT OWNER -- The person named in the Contract (on the specifications       
page). For certain group Contracts, the Contract Owner is the trustee or other  
entity which owns the Contract.                                                 

CONTRACT VALUE -- the value of the Accumulation Units in Your Account (or a     
Participant's Individual Account, if applicable) less any reductions for        
administrative charges.                                                         

CONTRACT YEAR -- Twelve-month periods beginning with the Contract Date, or any  
anniversary thereof.                                                            

DCA PROGRAM -- Pre-authorized transfer program that allows You to invest a      
fixed amount of money in the Funding Options on a monthly or quarterly basis.   

DEATH REPORT DATE -- The day on which We have received (i) Due Proof of Death   
and (ii) written payment instructions or election of spousal or Beneficiary     
Contract continuation in Good Order.                                            

DIVISION OR SUBACCOUNT -- That portion of the assets of a Separate Account that 
is allocated to a particular Underlying Fund (referred to as Division           
throughout this Prospectus).                                                    

DUE PROOF OF DEATH -- (i) a copy of a certified death certificate; (ii) a copy  
of a certified decree of a court of competent jurisdiction as to the finding of 
death; (iii) a written statement by a medical doctor who attended the deceased; 
or (iv) any other proof satisfactory to Us.                                     

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ERISA -- The Employee Retirement Income Security Act of 1974, as amended, and   
all related laws and regulations which are in effect during the term of this    
Contract.                                                                       

EXCESS PLAN CONTRIBUTIONS -- Plan contributions including excess deferrals,     
excess contributions, excess aggregate contributions, excess annual additions,  
and excess nondeductible contributions that require correction by the Plan      
Administrator.                                                                  

FIXED ACCOUNT -- An account that consists of all of the assets under the        
Contract other than those in the Separate Account. The Fixed Account is part of 
the general assets of the Company.                                              

FIXED ANNUITY -- An Annuity payout option with payments which remain fixed as   
to dollar amount throughout the payment period and which do not vary with the   
investment experience of a Separate Account.                                    

GOOD ORDER -- A request or transaction generally is considered in "Good Order"  
if it complies with Our administrative procedures and the required information  
is complete and accurate. A request or transaction may be rejected or delayed   
if not in Good Order. Good Order generally means the actual receipt by us of    
the instructions relating to the requested transaction in writing (or, when     
permitted, by telephone or Internet) along with all forms, information and      
supporting legal documentation necessary to effect the transaction. This        
information and documentation generally includes to the extent applicable to    
the transaction: your completed application; your contract number; the          
transaction amount (in dollars or percentage terms); the names and allocations  
to and/or from the Funding Options affected by the requested transaction; the   
signatures of all contract Owners (exactly as indicated on the contract), if    
necessary; Social Security Number or Tax I.D.; and any other information or     
supporting documentation that we may require, including any spousal or Joint    
Owner's consents. With respect to Purchase Payments, Good Order also generally  
includes receipt by us of sufficient funds to effect the purchase. We may, in   
our sole discretion, determine whether any particular transaction request is in 
Good Order, and we reserve the right to change or waive any Good Order          
requirement at any time. If You have any questions, You should contact Us or    
Your sales representative (where applicable) before submitting the form or      
request.                                                                        

HOME OFFICE -- The Home Office of Metropolitan Life Insurance Company, 200 Park 
Avenue New York, NY 10166, or any other office that We may designate for the    
purpose of administering this Contract.                                         

INDIVIDUAL ACCOUNT -- An account under which Accumulation Units are credited to 
a Participant or Beneficiary under the Contract.                                

MATURITY DATE/ANNUITY COMMENCEMENT DATE -- The date on which the Annuity        
Payments are to begin (referred to in the prospectus as Maturity Date).         

NET INVESTMENT RATE -- Assumed investment return during the Annuity Period for  
a Variable Annuity.                                                             

PARTICIPANT -- An individual participating under a group Contract or an         
eligible person who is a member in the Plan.                                    

PAYMENT OPTION -- An Annuity or income option elected under Your Contract.      

PLAN -- For a group Contract, the Plan or the arrangement used in a retirement  
Plan or program whereby the Purchase Payments and any gains are intended to     
qualify under Sections 401, 403 or 457(b) of the Code.                          

PLAN ADMINISTRATOR -- The corporation or other entity so specified on the       
application or purchase order. If none is specified, the Plan Trustee is the    
Plan Administrator.                                                             

PLAN TERMINATION -- Termination of Your Plan, including partial Plan            
Termination, as determined by Us.                                               

PLAN TRUSTEE -- The trustee specified in the Contract specifications.           

PREMIUM TAX -- The amount of tax, if any, charged by the state or municipality. 

PURCHASE PAYMENTS -- The premium payment(s) applied to the Contract, less any   
Premium Taxes (if applicable).                                                  

QUALIFIED CONTRACT -- A Contract used in a retirement Plan or program that is   
intended to qualify under Sections 401, 403, or 457(b) of the Code.             

SEPARATE ACCOUNT -- A segregated account, the assets of which are invested      
solely in the Underlying Funds. The assets of the Separate Account are held     
exclusively for the benefit of Contract Owners. The Separate Account is         
Metropolitan Life Separate Account E.                                           

THIRD PARTY ADMINISTRATOR ("TPA") -- An entity that has separately contracted   
with the Contract Owner to provide administrative and/or distribution services  
for the Plan.                                                                   

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UNDERLYING FUND -- A portfolio of an open-end management investment company     
that is registered with the SEC in which the Division invests.                  

VALUATION DATE -- A day on which the New York Stock Exchange ("NYSE") is open   
for business. The value of each Subaccount is determined as of the close of the 
NYSE on such days.                                                              

VALUATION PERIOD -- The period between the end of one Valuation Date and the    
end of the next Valuation Date.                                                 

VARIABLE ANNUITY -- An Annuity payout option providing for payments varying in  
amount in accordance with the investment experience of the assets held in the   
underlying securities of the Separate Account.                                  

WRITTEN REQUEST -- Written instructions or information sent to Us in a form and 
content satisfactory to Us and received in Good Order at Our Home Office.       

YOU, YOUR -- In this prospectus, depending on the context, "You" is the owner   
of the Contract or the Participant or Annuitant for whom money is invested      
under certain group arrangements. In cases where We are referring to giving     
instructions or making payments to Us for Qualified Contracts or Contracts used 
in connection with non-qualified deferred compensation plans or qualified       
excess benefit arrangements, "You" means the trustee or employer. Under certain 
group arrangements where the Participant or Annuitant is permitted to choose    
among Divisions, "You" means the Participant or Annuitant who is giving Us      
instructions about the Divisions. In connection with a 403(b) Plan Termination, 
as of the date of the Contract or cash distribution under such Plan             
Termination, "You" means the Participant who has received such Contract or cash 
distribution.                                                                   

YOUR ACCOUNT -- Accumulation Units credited to You under this Contract.         

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SUMMARY:
GOLD TRACK SELECT ANNUITY 
THIS SUMMARY DETAILS SOME OF THE MORE IMPORTANT POINTS THAT YOU SHOULD KNOW AND 
CONSIDER BEFORE PURCHASING THE CONTRACT. PLEASE READ THE ENTIRE PROSPECTUS      
CAREFULLY.                                                                      

CAN YOU GIVE ME A GENERAL DESCRIPTION OF THE VARIABLE ANNUITY CONTRACT? The     
Contract, issued by Metropolitan Life Insurance Company, is intended for        
retirement savings or other long-term investment purposes. This version of the  
Contract is only available in New York State.                                   

The Contract provides a death benefit as well as guaranteed payout options. You 
direct Your payment(s) to one or more of the Divisions and/or to the Fixed      
Account. Because of exemptive and exclusionary provisions, neither the Fixed    
Account nor our general account has been registered as an investment company    
under the Investment Company Act of 1940, as amended ("1940 Act"). We guarantee 
money directed to the Fixed Account as to principal and interest. Contract      
Value allocated to the Fixed Account, interest credited to the Fixed Account    
and amounts paid under a fixed payment option are subject to Our financial      
strength and claims paying ability. The Divisions fluctuate with the investment 
performance of the Underlying Funds and are not guaranteed. You can also lose   
money in the Divisions.                                                         

The Contract, like all deferred variable annuity contracts, has two phases: the 
accumulation phase and the payout phase (Annuity Period). During the            
accumulation phase generally, Your pre-tax contributions accumulate on a        
tax-deferred basis and are taxed as income when You make a withdrawal,          
presumably when You are in a lower tax bracket. The payout phase occurs when    
You begin receiving payments from Your Contract. The amount of money You        
accumulate in Your Contract determines the amount of income (Annuity Payments)  
You receive during the payout phase.                                            

During the payout phase, You may choose one of a number of Annuity options. You 
may receive Annuity Payments in the form of a Variable Annuity, a Fixed Annuity 
or a combination of both. If You elect Variable Annuity Payments, the dollar    
amount of Your payments may increase or decrease. Once You choose Your Annuity  
options and begin to receive payments, it cannot be changed.                    

WHO CAN PURCHASE THIS CONTRACT? The Contract is currently available for use in  
connection with qualified retirement Plans (which include Contracts qualifying  
under Section 401, 403, or 457(b) of the Code). Purchase of this Contract       
through a Plan does not provide any additional tax deferral benefits beyond     
those provided by the Plan. Accordingly, if You are purchasing this Contract    
through a Plan, You should consider purchasing the Contract for its death       
benefit, Annuity option benefits or other non-tax related benefits.             

The minimum Purchase Payment allowed is an average of $1,000 annually per       
individual Contract, or $10,000 annually per group Contract.                    

CAN I EXCHANGE MY CURRENT ANNUITY CONTRACT FOR THIS CONTRACT? The Code          
generally permits You to exchange one Annuity contract for another in a         
"tax-free exchange." Therefore, You can transfer the proceeds from another      
Annuity contract to purchase this Contract. Before making an exchange to        
acquire this Contract, You should carefully compare this Contract to Your       
current contract. You may have to pay a surrender charge under Your current     
contract to exchange it for this Contract, and this Contract has its own        
surrender charges that would apply to You. The other fees and charges under     
this Contract may be higher or lower and the benefits may be different than     
those of Your current contract. In addition, You may have to pay federal income 
or penalty taxes on the exchange if it does not qualify for tax-free treatment. 
You should not exchange another contract for this Contract unless You           
determine, after evaluating all the facts that the exchange is in Your best     
interests. Remember that the person selling You the Contract generally will     
earn a commission on the sale.                                                  

WHO IS THE CONTRACT ISSUED TO? If a group allocated Contract is purchased, We   
issue Certificates to the individual Participants. If a group unallocated       
Contract is purchased, We issue only the Contract to the group. Where We refer  
to "You," We are referring to the group Participant. Where We refer to Your     
Contract, We are referring to a group unallocated Contract or individual        
Certificate, as applicable.                                                     

Depending on Your retirement Plan provisions, certain features and/or Divisions 
described in this prospectus may not be available to You (for example,          
dollar-cost averaging, etc.). Your retirement Plan provisions supersede the     
prospectus. If You have any questions about Your specific retirement Plan,      
contact Your Plan Administrator.                                                

IS THERE A RIGHT TO RETURN PERIOD? If the Contract is issued to a tax-deferred  
Annuity Plan, deferred compensation Plan or combined qualified                  
plan/tax-deferred Annuity Plan, and You cancel the Contract within ten days     
after You receive it,                                                           

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You receive a full refund of the Contract Value plus any Contract charges You   
paid (but not fees and charges assessed by the Underlying Funds). Upon exercise 
of the right to return, We refund all of Your Purchase Payments allocated to    
the Fixed Account. There is no right to return period for unallocated           
Contracts.                                                                      

CAN YOU GIVE A GENERAL DESCRIPTION OF THE UNDERLYING FUNDS AND HOW THEY         
OPERATE? The Divisions invest in Underlying Funds available in the Separate     
Account. At Your direction, the Separate Account, through its Divisions, uses   
Your Purchase Payments to purchase shares of one or more of the Underlying      
Funds that holds securities consistent with its own investment policy.          
Depending on market conditions, You may make or lose money in any of these      
Divisions.                                                                      

You can transfer among the Divisions as frequently as You wish without any      
current tax implications. Currently there is no limit to the number of          
transfers allowed. We may, in the future, limit the number of transfers         
allowed. At a minimum, We would always allow one transfer every six months. We  
reserve the right to restrict transfers that We determine will disadvantage     
other Contract Owners. You may also transfer between the Fixed Account and the  
non-competing Divisions at least once every six months, provided no more than   
20% of the fixed Contract Value is transferred out in any Contract Year. It is  
important to note that it will take over ten years (assuming no additional      
Purchase Payments or transfers into the Fixed Account and discounting any       
accrued interest) to make a complete transfer of Your balance from the Fixed    
Account because of the transfer allowance restriction indicated above. This is  
because the 20% transfer allowance is based on a declining Contract Value in    
the Fixed Account rather than withdrawals based upon a fixed number of years.   
For example (based on the assumptions above), if Your initial Contract Value in 
the Fixed Account is $100, the 20% transfer allowance only allows You to        
transfer up to $20 that Contract Year. If You transfer the maximum transfer     
allowance that Contract Year, You may only transfer up to $16 the following     
Contract Year based on the 20% transfer allowance of the $80 Contract Value     
remaining in the Fixed Account for such Contract Year. It is important to       
consider when deciding to invest in the Fixed Account whether this 20% transfer 
allowance restriction fits Your risk tolerance and time horizon. Amounts        
previously transferred from the Fixed Account to the Divisions may not be       
transferred back to the Fixed Account for a period of at least three months     
from the date of the transfer. Please refer to Your Contract for restrictions   
on transfers to and from the Fixed Account.                                     

WHAT EXPENSES WILL BE ASSESSED UNDER THE CONTRACT? The Contract has insurance   
features and investment features, and there are costs related to each. An       
administrative charge of 0.10% annually of the daily net asset value of each    
Division will be charged, depending upon the terms of Your allocated Contract.  
The maximum annual mortality and expense risk charge is 1.20% of the amounts    
You direct to the Divisions. Each Underlying Fund also charges for management   
costs and other expenses.                                                       

If You withdraw amounts from the Contract a surrender charge may apply. The     
amount of the charge depends on the length of time the Contract has been in     
force.                                                                          

Upon annuitization, if You have elected the Variable Liquidity Benefit, a       
maximum charge of 5% of the amounts withdrawn will be assessed. Please refer to 
the "The Annuity Period" section for a description of this benefit.             

HOW WILL MY PURCHASE PAYMENTS AND WITHDRAWALS BE TAXED? Generally, the payments 
You make to a Qualified Contract during the accumulation phase are made with    
before-tax dollars. Generally, You will be taxed on Your Purchase Payments and  
on any earnings when You make a withdrawal or begin receiving Annuity Payments. 
If You are younger than 59 1/2 when You take money out, You may be charged a    
10% federal penalty tax on the amount withdrawn. Under non-qualified Contracts, 
withdrawals are considered to be made first from taxable earnings.              

For owners of Qualified Contracts, You may be required by federal tax laws to   
begin receiving payments from Your Annuity or risk paying a penalty tax. In     
those cases, We can calculate and pay You the required minimum distribution     
amounts.                                                                        

HOW MAY I ACCESS MY MONEY? You can take withdrawals any time during the         
accumulation phase. Withdrawal charges may apply, as well as income taxes,      
and/or a penalty tax on amounts withdrawn.                                      

WHAT IS THE DEATH BENEFIT UNDER THE CONTRACT? The death benefit applies before  
the payout phase upon the first death of the Contract Owner, joint owner, or    
Annuitant. Assuming You are the Annuitant, if You die before You move to the    
payout phase, the person You have chosen as Your Beneficiary will receive a     
death benefit. There is no death benefit after the payout phase begins,         
however, depending on the Annuity option you elect, any remaining guarantee     
(i.e., cash refund amount or guaranteed Annuity Payments) will be paid to your  
beneficiary (see "Death Proceeds After the Maturity Date" for more              
information). The death benefit paid depends on Your age at the time of Your    
death. We calculate the death benefit value at the close of the business day on 
which Our Home Office receives Due Proof of                                     

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Death. Any amount paid will be reduced by any applicable Premium Tax,           
outstanding loans or surrenders not previously deducted. (Please refer to the   
"Death Benefit" section of the prospectus for more details.)                    

WHERE MAY I FIND OUT MORE ABOUT ACCUMULATION UNIT VALUES? The Condensed         
Financial Information in Appendix A to this prospectus provides more            
information about Accumulation Unit Values.                                     

ARE THERE ANY ADDITIONAL FEATURES? This Contract has other features You may be  
interested in. These include:                                                   

o   DOLLAR COST AVERAGING. This is a program that allows You to invest a  
     fixed amount of money in Divisions each month, theoretically giving You
      a lower average cost per unit over time than a single one-time purchase.
Dollar Cost Averaging requires regular investments regardless of  
 fluctuating price levels, and does not guarantee profits or prevent
     losses in a declining market. Potential investors should consider their
  financial ability to continue purchases through periods of low price
levels.                                                           

o   AUTOMATIC REBALANCING. You may elect to have the Company periodically 
reallocate the values in Your Contract to match the rebalancing   
allocation selected.                                              

 o   SYSTEMATIC WITHDRAWAL OPTION. Before the Maturity Date, You can arrange
 to have money sent to You at set intervals throughout the year. Any
  applicable income and penalty taxes will apply on amounts withdrawn.
  Withdrawals in excess of the annual free withdrawal allowance may be
subject to a withdrawal charge.                                   

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FEE TABLE 
--------------------------------------------------------------------------------

The following tables describe the fees and expenses that You will pay when      
buying, owning, and surrendering the Contract. The first table describes the    
fees and expenses that You will pay at the time that You buy the Contract,      
surrender the Contract or transfer Contract Value between Divisions.            

CONTRACT OWNER MAXIMUM TRANSACTION EXPENSES                                     
-------------------------------------------                                     

                                                                [Download Table]
                                                          
SURRENDER CHARGE:.............................       5%(1)
As a percentage of amount surrendered                     
ACCOUNT REDUCTION LOAN INITIATION FEE.........   $75.00(2)
ACCOUNT REDUCTION LOAN MAINTENANCE FEE........   $50.00   
TRANSFER CHARGE...............................   $10.00(3)
VARIABLE LIQUIDITY BENEFIT CHARGE:............       5%(4)

As a percentage of the present value of the remaining Annuity Payments that are 
surrendered. The interest rate used to calculate this present value is 1%       
higher than the Assumed (Daily) Net Investment Factor used to calculate the     
Annuity Payments.                                                               

The next table describes the fees and expenses that You will pay periodically   
during the time that You own the Contract, not including Underlying Fund fees   
and expenses.                                                                   

MAXIMUM ANNUAL SEPARATE ACCOUNT CHARGES                                         

                                                        [Enlarge/Download Table]
                                                                                         
ADMINISTRATIVE CHARGES                                                                   
ADMINISTRATIVE CHARGE                                                                    
(AS A PERCENTAGE OF AVERAGE DAILY NET ASSETS OF THE SEPARATE ACCOUNT FOR ALLOCATED  0.10%
  CONTRACTS)                                                                             
MORTALITY & EXPENSE RISK CHARGE                                                          
(AS A PERCENTAGE OF AVERAGE DAILY NET ASSETS OF THE SEPARATE ACCOUNT)               1.20%
TOTAL MAXIMUM ANNUAL SEPARATE ACCOUNT CHARGES                                       1.30%

------------                                                                    
(1)   The surrender charge declines to zero after end of the 8th Contract Year. 
The charge is as follows:                                           

                                                                [Download Table]

 CONTRACT YEAR     SURRENDER CHARGE
---------------   -----------------
                                   
      0-2                5%        
      3-4                4%        
      5-6                3%        
      7-8                2%        
       9+                0%        

(2)   Loans will be charged an initial set-up fee of $75.00.                    

(3)   We do not currently assess the transfer charge.                           

(4)   The withdrawal charge only applies when You make a surrender after        
beginning to receive Annuity payouts. The charge is as follows.     

                                                                [Download Table]

 CONTRACT YEAR     WITHDRAWAL CHARGE
---------------   ------------------
                                    
      0-2                 5%        
      3-4                 4%        
      5-6                 3%        
      7-8                 2%        
       9+                 0%        

UNDERLYING FUND EXPENSES AS OF DECEMBER 31, 2017 (unless otherwise indicated):  

The table below shows the range (minimum and maximum) of the total annual       
operating expenses charged by all of the Underlying Funds, before any voluntary 
or contractual fee waivers and/or expense reimbursements. The second table      
shows each Underlying Fund's management fee, distribution and/or service fees   
(12b-1) if applicable, and other expenses. Certain Underlying Funds may impose  
a redemption fee in the future. More detail concerning each                     

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Underlying Fund's fees and expenses is contained in the prospectus for each     
Underlying Fund. Current prospectuses for the Underlying Funds can be obtained  
by calling 1-800-842-9406. Please read the prospectuses carefully before making 
your allocations to the Subaccounts.                                            

MINIMUM AND MAXIMUM TOTAL ANNUAL UNDERLYING FUND OPERATING EXPENSES             

                                                        [Enlarge/Download Table]

                                                                                      MINIMUM    MAXIMUM
                                                                                     ---------  --------
                                                                                                        
Total Annual Underlying Fund Operating Expenses                                                         
(expenses that are deducted from Underlying Fund assets, including management fees,                     
 distribution and/or service (12b-1) fees, and other expenses)                        0.27%      1.42%  

UNDERLYING FUND FEES AND EXPENSES                                               
(as a percentage of average daily net assets)                                   

The following table is a summary. For more complete information on Underlying   
Fund fees and expenses, please refer to the prospectus for each Underlying      
Fund.                                                                           

                                                        [Enlarge/Download Table]

                                                                DISTRIBUTION                           
                                                                   AND/OR                              
                                                   MANAGEMENT      SERVICE       OTHER                 
UNDERLYING FUND                                        FEE      (12B-1) FEES   EXPENSES                
------------------------------------------------- ------------ -------------- ----------               
                                                                                                       
AMERICAN FUNDS INSURANCE SERIES(R)                                                                     
 American Funds Global Growth Fund...............    0.52%     0.25%          0.03%                    
 American Funds Growth Fund......................    0.33%     0.25%          0.02%                    
 American Funds Growth-Income Fund...............    0.26%     0.25%          0.02%                    
BRIGHTHOUSE FUNDS TRUST I                                                                              
 American Funds(R) Balanced Allocation                                                                 
  Portfolio......................................    0.06%     0.55%            --                     
 American Funds(R) Growth Allocation                                                                   
  Portfolio......................................    0.06%     0.55%          0.01%                    
 American Funds(R) Moderate Allocation                                                                 
  Portfolio......................................    0.06%     0.55%          0.01%                    
 BlackRock High Yield Portfolio..................    0.60%       --           0.07%                    
 Brighthouse Asset Allocation 100 Portfolio......    0.07%     0.25%          0.01%                    
 Brighthouse Small Cap Value Portfolio...........    0.75%     0.25%          0.04%                    
 Brighthouse/Aberdeen Emerging Markets                                                                 
  Equity Portfolio...............................    0.88%       --           0.11%                    
 Brighthouse/Wellington Large Cap                                                                      
  Research Portfolio.............................    0.56%     0.15%          0.02%                    
 Clarion Global Real Estate Portfolio............    0.61%       --           0.05%                    
 ClearBridge Aggressive Growth Portfolio.........    0.55%     0.25%          0.03%                    
 Harris Oakmark International Portfolio..........    0.77%       --           0.04%                    
 Invesco Comstock Portfolio......................    0.56%     0.25%          0.02%                    
 Invesco Small Cap Growth Portfolio..............    0.85%       --           0.03%                    
 JPMorgan Small Cap Value Portfolio..............    0.78%       --           0.06%                    
 MetLife Multi-Index Targeted Risk Portfolio.....    0.17%     0.25%          0.01%                    
 MFS(R) Research International Portfolio.........    0.69%     0.25%          0.05%                    
 Oppenheimer Global Equity Portfolio.............    0.66%     0.25%          0.04%                    
 PIMCO Inflation Protected Bond Portfolio........    0.47%       --           0.50%                    
 PIMCO Total Return Portfolio....................    0.48%     0.25%          0.08%                    
 Schroders Global Multi-Asset Portfolio..........    0.64%     0.25%          0.06%                    
 T. Rowe Price Large Cap Value Portfolio.........    0.57%     0.25%          0.02%                    
 Victory Sycamore Mid Cap Value Portfolio........    0.65%     0.25%          0.03%                    
BRIGHTHOUSE FUNDS TRUST II                                                                             
 BlackRock Bond Income Portfolio.................    0.33%       --           0.18%                    
 BlackRock Capital Appreciation Portfolio........    0.69%       --           0.03%                    
 BlackRock Ultra-Short Term Bond Portfolio.......    0.35%       --           0.04%                    
 Brighthouse Asset Allocation 20 Portfolio.......    0.09%     0.25%          0.03%                    
 Brighthouse Asset Allocation 40 Portfolio.......    0.06%     0.25%            --                     
 Brighthouse Asset Allocation 60 Portfolio.......    0.05%     0.25%            --                     
 Brighthouse Asset Allocation 80 Portfolio.......    0.05%     0.25%          0.01%                    


                                                                    TOTAL       FEE WAIVER    NET TOTAL
                                                     ACQUIRED       ANNUAL        AND/OR       ANNUAL  
                                                     FUND FEES    OPERATING      EXPENSE      OPERATING
UNDERLYING FUND                                    AND EXPENSES    EXPENSES   REIMBURSEMENT   EXPENSES 
------------------------------------------------- -------------- ----------- --------------- ----------
                                                                                                       
AMERICAN FUNDS INSURANCE SERIES(R)                                                                     
 American Funds Global Growth Fund...............   --             0.80%       --            0.80%     
 American Funds Growth Fund......................   --             0.60%       --            0.60%     
 American Funds Growth-Income Fund...............   --             0.53%       --            0.53%     
BRIGHTHOUSE FUNDS TRUST I                                                                              
 American Funds(R) Balanced Allocation                                                                 
  Portfolio...................................... 0.42%            1.03%       --            1.03%     
 American Funds(R) Growth Allocation                                                                   
  Portfolio...................................... 0.43%            1.05%       --            1.05%     
 American Funds(R) Moderate Allocation                                                                 
  Portfolio...................................... 0.40%            1.02%       --            1.02%     
 BlackRock High Yield Portfolio..................   --             0.67%       --            0.67%     
 Brighthouse Asset Allocation 100 Portfolio...... 0.67%            1.00%       --            1.00%     
 Brighthouse Small Cap Value Portfolio........... 0.07%            1.11%     0.01%           1.10%     
 Brighthouse/Aberdeen Emerging Markets                                                                 
  Equity Portfolio...............................   --             0.99%     0.05%           0.94%     
 Brighthouse/Wellington Large Cap                                                                      
  Research Portfolio.............................   --             0.73%     0.04%           0.69%     
 Clarion Global Real Estate Portfolio............   --             0.66%       --            0.66%     
 ClearBridge Aggressive Growth Portfolio.........   --             0.83%     0.02%           0.81%     
 Harris Oakmark International Portfolio..........   --             0.81%     0.02%           0.79%     
 Invesco Comstock Portfolio......................   --             0.83%     0.02%           0.81%     
 Invesco Small Cap Growth Portfolio..............   --             0.88%     0.02%           0.86%     
 JPMorgan Small Cap Value Portfolio..............   --             0.84%     0.10%           0.74%     
 MetLife Multi-Index Targeted Risk Portfolio..... 0.21%            0.64%       --            0.64%     
 MFS(R) Research International Portfolio.........   --             0.99%     0.10%           0.89%     
 Oppenheimer Global Equity Portfolio.............   --             0.95%     0.10%           0.85%     
 PIMCO Inflation Protected Bond Portfolio........   --             0.97%     0.01%           0.96%     
 PIMCO Total Return Portfolio....................   --             0.81%     0.03%           0.78%     
 Schroders Global Multi-Asset Portfolio.......... 0.01%            0.96%       --            0.96%     
 T. Rowe Price Large Cap Value Portfolio.........   --             0.84%     0.03%           0.81%     
 Victory Sycamore Mid Cap Value Portfolio........   --             0.93%     0.09%           0.84%     
BRIGHTHOUSE FUNDS TRUST II                                                                             
 BlackRock Bond Income Portfolio.................   --             0.51%       --            0.51%     
 BlackRock Capital Appreciation Portfolio........   --             0.72%     0.09%           0.63%     
 BlackRock Ultra-Short Term Bond Portfolio.......   --             0.39%     0.03%           0.36%     
 Brighthouse Asset Allocation 20 Portfolio....... 0.57%            0.94%     0.02%           0.92%     
 Brighthouse Asset Allocation 40 Portfolio....... 0.59%            0.90%       --            0.90%     
 Brighthouse Asset Allocation 60 Portfolio....... 0.61%            0.91%       --            0.91%     
 Brighthouse Asset Allocation 80 Portfolio....... 0.64%            0.95%       --            0.95%     

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                                                        [Enlarge/Download Table]

                                                              DISTRIBUTION                            
                                                                 AND/OR                               
                                                 MANAGEMENT      SERVICE       OTHER                  
UNDERLYING FUND                                      FEE      (12B-1) FEES   EXPENSES                 
----------------------------------------------- ------------ -------------- ----------                
                                                                                                      
 Brighthouse/Wellington Balanced Portfolio..... 0.46%          --           0.08%                     
 Brighthouse/Wellington Core Equity                                                                   
  Opportunities Portfolio...................... 0.70%          --           0.02%                     
 Frontier Mid Cap Growth Portfolio............. 0.71%        0.10%          0.04%                     
 Jennison Growth Portfolio..................... 0.60%          --           0.02%                     
 MetLife Aggregate Bond Index Portfolio........ 0.25%          --           0.03%                     
 MetLife Mid Cap Stock Index Portfolio......... 0.25%        0.30%          0.04%                     
 MetLife MSCI EAFE(R) Index Portfolio.......... 0.30%          --           0.07%                     
 MetLife Russell 2000(R) Index Portfolio....... 0.25%          --           0.06%                     
 MetLife Stock Index Portfolio................. 0.25%          --           0.02%                     
 MFS(R) Total Return Portfolio................. 0.56%        0.20%          0.05%                     
 MFS(R) Value Portfolio........................ 0.70%          --           0.02%                     
 MFS(R) Value Portfolio........................ 0.70%        0.25%          0.02%                     
 Neuberger Berman Genesis Portfolio............ 0.81%          --           0.04%                     
 T. Rowe Price Large Cap Growth Portfolio...... 0.60%        0.25%          0.02%                     
 T. Rowe Price Small Cap Growth Portfolio...... 0.47%        0.25%          0.03%                     
 Western Asset Management Strategic Bond                                                              
  Opportunities Portfolio...................... 0.56%          --           0.04%                     
 Western Asset Management                                                                             
  U.S. Government Portfolio.................... 0.47%          --           0.02%                     
DELAWARE VIP(R) TRUST                                                                                 
 Delaware VIP(R) Small Cap Value Series........ 0.71%          --           0.07%                     
FIDELITY(R) VARIABLE INSURANCE PRODUCTS                                                               
 Contrafund(R) Portfolio....................... 0.54%        0.25%          0.08%                     
 Freedom 2020 Portfolio........................   --         0.25%            --                      
 Freedom 2025 Portfolio........................   --         0.25%            --                      
 Freedom 2030 Portfolio........................   --         0.25%            --                      
 Freedom 2040 Portfolio........................   --         0.25%            --                      
 Freedom 2050 Portfolio........................   --         0.25%            --                      
 Mid Cap Portfolio............................. 0.54%        0.25%          0.09%                     
FRANKLIN TEMPLETON VARIABLE INSURANCE                                                                 
 PRODUCTS TRUST                                                                                       
 Templeton Developing Markets VIP Fund......... 1.05%        0.25%          0.12%                     
 Templeton Foreign VIP Fund.................... 0.77%        0.25%          0.05%                     
JANUS ASPEN SERIES                                                                                    
 Janus Henderson Enterprise Portfolio.......... 0.64%        0.25%          0.09%                     
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                                             
 ClearBridge Variable Appreciation                                                                    
  Portfolio.................................... 0.70%          --           0.04%                     
 ClearBridge Variable Dividend Strategy                                                               
  Portfolio.................................... 0.70%          --           0.06%                     
 ClearBridge Variable Large Cap Growth                                                                
  Portfolio.................................... 0.70%          --           0.10%                     
 ClearBridge Variable Small Cap Growth                                                                
  Portfolio.................................... 0.75%          --           0.07%                     
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                                             
 Western Asset Core Plus VIT Portfolio......... 0.45%          --           0.13%                     
TRUST FOR ADVISED PORTFOLIOS                                                                          
 1919 Variable Socially Responsive                                                                    
  Balanced Fund................................ 0.65%          --           0.64%                     


                                                                  TOTAL       FEE WAIVER    NET TOTAL 
                                                   ACQUIRED       ANNUAL        AND/OR        ANNUAL  
                                                   FUND FEES    OPERATING      EXPENSE      OPERATING 
UNDERLYING FUND                                  AND EXPENSES    EXPENSES   REIMBURSEMENT    EXPENSES 
----------------------------------------------- -------------- ----------- --------------- -----------
                                                                                                      
 Brighthouse/Wellington Balanced Portfolio.....   --             0.54%       --              0.54%    
 Brighthouse/Wellington Core Equity                                                                   
  Opportunities Portfolio......................   --             0.72%     0.11%             0.61%    
 Frontier Mid Cap Growth Portfolio.............   --             0.85%     0.02%             0.83%    
 Jennison Growth Portfolio.....................   --             0.62%     0.08%             0.54%    
 MetLife Aggregate Bond Index Portfolio........   --             0.28%     0.01%             0.27%    
 MetLife Mid Cap Stock Index Portfolio......... 0.01%            0.60%       --              0.60%    
 MetLife MSCI EAFE(R) Index Portfolio.......... 0.01%            0.38%       --              0.38%    
 MetLife Russell 2000(R) Index Portfolio....... 0.01%            0.32%       --              0.32%    
 MetLife Stock Index Portfolio.................   --             0.27%     0.01%             0.26%    
 MFS(R) Total Return Portfolio.................   --             0.81%       --              0.81%    
 MFS(R) Value Portfolio........................   --             0.72%     0.14%             0.58%    
 MFS(R) Value Portfolio........................   --             0.97%     0.14%             0.83%    
 Neuberger Berman Genesis Portfolio............   --             0.85%     0.01%             0.84%    
 T. Rowe Price Large Cap Growth Portfolio......   --             0.87%     0.05%             0.82%    
 T. Rowe Price Small Cap Growth Portfolio......   --             0.75%       --              0.75%    
 Western Asset Management Strategic Bond                                                              
  Opportunities Portfolio......................   --             0.60%     0.06%             0.54%    
 Western Asset Management                                                                             
  U.S. Government Portfolio....................   --             0.49%     0.01%             0.48%    
DELAWARE VIP(R) TRUST                                                                                 
 Delaware VIP(R) Small Cap Value Series........   --             0.78%       --              0.78%    
FIDELITY(R) VARIABLE INSURANCE PRODUCTS                                                               
 Contrafund(R) Portfolio.......................   --             0.87%       --              0.87%    
 Freedom 2020 Portfolio........................ 0.58%            0.83%       --              0.83%    
 Freedom 2025 Portfolio........................ 0.60%            0.85%       --              0.85%    
 Freedom 2030 Portfolio........................ 0.65%            0.90%       --              0.90%    
 Freedom 2040 Portfolio........................ 0.68%            0.93%       --              0.93%    
 Freedom 2050 Portfolio........................ 0.68%            0.93%       --              0.93%    
 Mid Cap Portfolio.............................   --             0.88%       --              0.88%    
FRANKLIN TEMPLETON VARIABLE INSURANCE                                                                 
 PRODUCTS TRUST                                                                                       
 Templeton Developing Markets VIP Fund.........   --             1.42%     0.01%             1.41%    
 Templeton Foreign VIP Fund.................... 0.02%            1.09%     0.01%             1.08%    
JANUS ASPEN SERIES                                                                                    
 Janus Henderson Enterprise Portfolio..........   --             0.98%       --              0.98%    
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                                             
 ClearBridge Variable Appreciation                                                                    
  Portfolio....................................   --             0.74%       --              0.74%    
 ClearBridge Variable Dividend Strategy                                                               
  Portfolio....................................   --             0.76%       --              0.76%    
 ClearBridge Variable Large Cap Growth                                                                
  Portfolio....................................   --             0.80%       --              0.80%    
 ClearBridge Variable Small Cap Growth                                                                
  Portfolio....................................   --             0.82%       --              0.82%    
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                                             
 Western Asset Core Plus VIT Portfolio.........   --             0.58%     0.03%             0.55%    
TRUST FOR ADVISED PORTFOLIOS                                                                          
 1919 Variable Socially Responsive                                                                    
  Balanced Fund................................   --             1.29%     0.40%             0.89%    

The information shown in the table above was provided by the Underlying Funds.  
Certain Underlying Funds and their investment adviser have entered into expense 
reimbursement and/or fee waiver arrangements that will continue from April 30,  
2018 through April 30, 2019. These arrangements can be terminated with respect  
to these Underlying Funds only with the approval of the Underlying Fund's board 
of directors or trustees. Please see the Underlying Funds' prospectuses for     
additional information regarding these arrangements.                            

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Certain Underlying Funds that have "Acquired Fund Fees and Expenses" are "funds 
of funds." A fund of funds invests substantially all of its assets in other     
underlying funds. Because the Underlying Fund invests in other funds, it will   
bear its pro rata portion of the operating expenses of those underlying funds,  
including the management fee.                                                   

EXAMPLE                                                                         

The example is intended to help You compare the cost of investing in the        
Contract with the cost of investing in other variable annuity contracts. These  
costs include Contract Owner Transaction Expenses, Annual Separate Account      
Charges, and Total Annual Underlying Fund Operating Expenses. The example does  
not represent past or future expenses. Your actual expenses may be more or less 
than those shown.                                                               

The example assumes that You invest $10,000 in the Contract for the time        
periods indicated and that Your investment has a 5% return each year. The       
example reflects the Funding Option Administrative Charge, factoring in that    
the charge is waived for Contracts over a certain value. Additionally, the      
example is based on the Minimum and Maximum Total Annual Underlying Fund        
Operating Expenses shown above, and does not reflect any Underlying Fund fee    
waivers and/or expense reimbursements.                                          

EXAMPLE 1                                                                       

                                                        [Enlarge/Download Table]

                                             IF CONTRACT IS SURRENDERED AT THE      IF CONTRACT IS NOT SURRENDERED OR   
                                                   END OF PERIOD SHOWN:           ANNUITIZED AT THE END OF PERIOD SHOWN:
                                          --------------------------------------- --------------------------------------
FUNDING OPTION                             1 YEAR   3 YEARS   5 YEARS   10 YEARS   1 YEAR   3 YEARS   5 YEARS   10 YEARS
----------------------------------------- -------- --------- --------- ---------- -------- --------- --------- ---------
                                                                                                                        
Underlying Fund with Maximum Total Annual                                                                               
 Operating                                                                                                              
 Expenses................................   $762    $1,165    $1,644     $2,920     $262      $805    $1,374    $2,920  
Underlying Fund with Minimum Total Annual                                                                               
 Operating                                                                                                              
 Expenses................................   $647    $  817    $1,059     $1,727     $147      $457    $  789    $1,727  

CONDENSED FINANCIAL INFORMATION 
--------------------------------------------------------------------------------
See Appendix A.                                                                 

THE ANNUITY CONTRACT AND YOUR RETIREMENT PLAN 
--------------------------------------------------------------------------------

If You participate through a retirement Plan or other group arrangement, the    
Contract may provide that all or some of Your rights or choices as described in 
this prospectus are subject to the Plan's terms. For example, limitations on    
Your rights may apply to Divisions, Purchase Payments, withdrawals, transfers,  
loans, the death benefit and Annuity options.                                   

The Contract may provide that a Plan administrative fee will be paid by making  
a withdrawal from Your Contract Value. Also, the Contract may require that You  
or Your Beneficiary obtain a signed authorization from Your employer or the     
Plan Administrator to exercise certain rights. We may rely on Your employer's   
or the Plan Administrator's statements to Us as to the terms of the Plan or     
Your entitlement to any amounts. We are not a party to Your employer's          
retirement Plan. We will not be responsible for determining what Your Plan      
says. You should consult the Contract and Plan document to see how You may be   
affected.                                                                       

403(B) PLAN TERMINATIONS                                                        

Upon a 403(b) Plan Termination, Your employer is required to distribute Your    
Plan benefits under the Contract to You. Your employer may permit You to        
receive Your distribution of Your 403(b) Plan benefit in cash or in the form of 
the Contract.                                                                   

If You elect to receive Your distributions in cash, the distribution is a       
withdrawal under the Contract, and any amounts withdrawn are subject to         
applicable surrender charges. Outstanding loans will be satisfied (paid) from   
Your cash benefit prior to its distribution to You. In addition, Your cash      
distributions are subject to withholding, ordinary income tax and applicable    
federal income tax penalties. (See "Federal Tax Considerations.") Surrender     
charges will be waived if the net distribution is made under the exceptions     
listed in the "Surrender Charge" section of the prospectus. However, if Your    
employer chooses to distribute cash as the default option, Your employer may    
not give You the                                                                

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opportunity to instruct the Company to make, at a minimum, a direct transfer to 
another investment option or annuity contract issued by Us or by one of Our     
affiliates, which may avoid a surrender charge. In that case, You will receive  
the net cash distribution, less any applicable surrender charge and             
withholding. In addition, You would forfeit any accrued guaranteed death        
benefit.                                                                        

If You receive the distribution in form of the Contract, We will continue to    
administer the Contract according to its terms. However in that case, You may   
not make any additional Purchase Payments or take any loans. In addition, the   
Company will rely on You to provide certain information that would otherwise be 
provided to the Company by the employer or Plan administrator. The employer may 
choose distribution of the Contract as the default option. The employer may not 
choose distribution of a Contract as a default option when that Contract is an  
investment vehicle for a Section 403(b) ERISA Plan.                             

OTHER PLAN TERMINATIONS                                                         

Upon termination of a retirement plan that is not a Section 403(b) plan, Your   
employer is generally required to distribute Your Plan benefits under the       
Contract to You.                                                                

This distribution is in cash. The distribution is a withdrawal under the        
Contract and any amounts withdrawn are subject to any applicable surrender      
charges. Outstanding loans, if available, will be satisfied (paid) from Your    
cash benefit prior to its distribution to You. In addition, Your cash           
distributions are subject to withholding, ordinary income tax and applicable    
federal income tax penalties. (See "Federal Tax Considerations.") Surrender     
charges will be waived if the net distribution is made under the exceptions     
listed in the "Surrender Charge" section of the prospectus. However, Your       
employer may not give You the opportunity to instruct the Company to make, at a 
minimum, a direct transfer to another investment option or annuity contract     
issued by Us or one of Our affiliates which may avoid a surrender charge. In    
that case, You will receive the net cash distribution, less any applicable      
surrender charge and withholding.                                               

THE ANNUITY CONTRACT
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Gold Track Select Annuity is a Contract between the Contract Owner and the      
Company. This is the prospectus -- it is not the Contract. Your rights and      
obligations under the Contract will be determined by the language of the        
Contract itself. When You receive Your Contract, We suggest You read it         
promptly and carefully. This prospectus describes all the material features of  
the Contract.                                                                   

We encourage You to evaluate the fees, expenses, benefits and features of this  
Annuity Contract against those of other investment products, including other    
Annuity products offered by Us and other insurance companies. Before purchasing 
this or any other investment product You should consider whether the product    
You purchase is consistent with Your risk tolerance, investment objectives,     
investment time horizon, financial and tax situation, liquidity needs and how   
You intend to use the Annuity.                                                  

You make Purchase Payments to Us, and We credit them to Your Contract. We       
promise to pay You an income, in the form of Annuity Payments, beginning on a   
future date that You choose, the Maturity Date (referred to as "Annuity         
Commencement Date" in Your Contract). The Purchase Payments accumulate          
tax-deferred in the investment options of Your choice. We offer multiple        
Divisions, and one Fixed Account option. The Contract Owner assumes the risk of 
gain or loss according to the performance of the Divisions. The Contract Value  
is the amount of Purchase Payments, plus or minus any investment experience on  
the amounts You allocate to the Separate Account ("Separate Account Contract    
Value") or interest on the amounts You allocate to the Fixed Account ("Fixed    
Account Contract Value"). The Contract Value also reflects all withdrawals made 
and charges deducted. There is generally no guarantee that at the Maturity Date 
the Contract Value will equal or exceed the total Purchase Payments made under  
the Contract. The date the Contract and its benefits become effective is        
referred to as the Contract Date. Each twelve-month period following the        
Contract Date is called a Contract Year.                                        

Certain changes and elections must be made in writing to the Company. Where the 
term "Written Request" is used, it means that You must send written information 
to Our Home Office in a form and content satisfactory to Us.                    

Purchase of this Contract through a tax-qualified retirement Plan does not      
provide any additional tax deferral benefits beyond those provided by the Plan. 
Accordingly, if You are purchasing this Contract through a Plan, You should     
consider purchasing this Contract for its death benefits, Annuity option        
benefits, and other non-tax-related benefits. You should consult with Your      
financial adviser to determine if this Contract is appropriate for You.         

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CONTRACT OWNER INQUIRIES                                                        

Any questions You have about Your Contract should be directed to Our Home       
Office at 1-800-842-9406.                                                       

ALLOCATED CONTRACTS                                                             

A group allocated Contract will cover all present and future Participants under 
the Contract. A Participant under an allocated Contract receives a Certificate  
that evidences participation in the Contract.                                   

UNALLOCATED CONTRACTS                                                           

We offer an unallocated Annuity Contract, designed for use with certain         
Qualified Plans where the employer has secured the services of a TPA.           

The Contracts will be issued to an employer or the trustee(s) or custodian of   
an employer's Qualified Plan. All Purchase Payments are held under the          
Contract, as directed by the Contract Owner. There are no Individual Accounts   
under the unallocated Contracts for individual Participants in the Qualified    
Plan.                                                                           

PURCHASE PAYMENTS                                                               

The minimum Purchase Payment allowed is an average of $1,000 annually per       
individual Certificate, or $10,000 annually per group Contract. The initial     
Purchase Payment is due and payable before the Contract becomes effective. We   
may refuse to accept total Purchase Payments over $3,000,000. Purchase Payments 
may be made at any time while the Annuitant is alive and before Annuity         
Payments begin.                                                                 

We will apply the initial Purchase Payment within two business days after We    
receive it at Our Home Office with a properly completed application or order    
request. If Your request or other information accompanying the initial Purchase 
Payment is incomplete when received, We will hold the Purchase Payment for up   
to five business days. If We cannot obtain the necessary information within     
five business days of Our receipt, We will return the Purchase Payment in full, 
unless You specifically consent for Us to keep it until You provide the         
necessary information.                                                          

We accept Purchase Payments made by check or cashier's check. We do not accept  
cash, money orders or traveler's checks. We reserve the right to refuse         
Purchase Payments made via a personal check in excess of $100,000. Purchase     
Payments over $100,000 may be accepted in other forms, including but not        
limited to, EFT/wire transfers, certified checks, corporate checks, and checks  
written on financial institutions. The form in which We receive a Purchase      
Payment may determine how soon subsequent disbursement requests may be          
fulfilled. (See "Access To Your Money.")                                        

We will credit subsequent Purchase Payments to a Contract on the same business  
day We receive it, if received in Good Order by Our Home Office by 4:00 p.m.    
Eastern time. A business day is any day that the NYSE is open for regular       
trading (except when trading is restricted due to an emergency as defined by    
the SEC). If payments on your behalf are not made in a timely manner, there may 
be a delay in when amounts are credited.                                        

We will provide You with the address of the office to which subsequent Purchase 
Payments are to be sent.                                                        

If You send subsequent Purchase Payments or transaction requests to an address  
other than the one We have designated for receipt of such Purchase Payments or  
requests, We may return the Purchase Payment to You, or there may be a delay in 
applying the Purchase Payment or transaction to Your Contract.                  

ACCUMULATION UNITS                                                              

The period between the Contract Date and the Maturity Date is the Accumulation  
Period. During the Accumulation Period, an Accumulation Unit is used to         
calculate the value of a Contract. Each Division has a corresponding            
Accumulation Unit Value. The Accumulation Units are valued each business day    
and their values may increase or decrease from day to day. The daily change in  
value of an Accumulation Unit each day is based on the investment performance   
of the corresponding Underlying Fund, and the deduction of Separate Account     
charges shown in the Fee Table in this prospectus. The number of Accumulation   
Units We will credit to Your Contract once We receive a Purchase Payment or     
transfer request (or liquidate for a withdrawal request) is determined by       
dividing the amount directed to each Divisions (or taken from each Division) by 
the value of its Accumulation Unit next determined after receipt of a Purchase  
Payment or transfer request (or withdrawal request). Normally We calculate the  
value of an Accumulation Unit for each Division as of the close of regular      
trading (generally 4:00 p.m. Eastern time) each day the NYSE is open. After the 
value is calculated, We credit Your Contract. During the Annuity Period (i.e.,  
after the Maturity Date), You are credited with Annuity Units.                  

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VALUATION OF ASSETS                                                             

DIVISIONS OF THE UNDERLYING FUNDS. The value of the assets of each Division is  
determined as of 4:00 p.m. Eastern time on each business day. A business day is 
any day the NYSE is open. It is expected that the NYSE will be closed on        
Saturdays and Sundays and on the observed holidays of New Year's Day, Martin    
Luther King, Jr. Day, President's Day, Good Friday, Memorial Day, Independence  
Day, Labor Day, Thanksgiving Day and Christmas Day.                             

ACCUMULATION UNIT VALUE. The value of the Accumulation Unit for each Division   
was initially established at $1.00. The value of an Accumulation Unit on any    
business day is determined by multiplying the value on the preceding business   
day by 1.000 plus the net investment factor for the Valuation Period just       
ended. The net investment factor is used to measure the investment performance  
of a Division from one Valuation Period to the next. The net investment factor  
for a Division for any Valuation Period is equal to (a) minus (b), divided by   
(c) where:                                                                      

    (a) = investment income plus capital gains and losses (whether realized or
unrealized);                                                                    
(b) = any deduction for applicable taxes (presently zero); and        

(c) = the value of the assets of the Division at the beginning of the 
Valuation Period.                                                               

The net investment factor may be either positive or negative. A Funding         
Option's investment income includes any distribution whose ex-dividend date     
occurs during the Valuation Period. The net investment factor is then reduced   
by a maximum charge of 0.000035616 for each day in the Valuation Period which   
is the daily equivalent of the maximum annual Separate Account Charge.          

THE DIVISIONS OF THE UNDERLYING FUNDS                                           

You choose the Divisions to which You allocate Your Purchase Payments. From     
time to time We may make new Divisions available. The Divisions in the Separate 
Account invest in the Underlying Funds. You are not investing directly in the   
Underlying Fund. Each Underlying Fund is a portfolio of an open-end management  
investment company that is registered with the SEC under the 1940 Act. These    
Underlying Funds are not publicly traded and are only offered through Variable  
Annuity Contracts, variable life insurance products, and maybe in some          
instances, certain retirement Plans. They are not the same retail mutual funds  
as those offered outside of a Variable Annuity or variable life insurance       
product, although the investment practices and fund names may be similar and    
the portfolio managers may be identical. Accordingly, the performance of the    
retail mutual fund is likely to be different from that of the Underlying Fund.  

We select the Underlying Funds offered through this Contract based on a number  
of criteria, including asset class coverage, the strength of the adviser's or   
subadviser's reputation and tenure, brand recognition, performance, and the     
capability and qualification of each investment firm. Another factor We         
consider during the selection process is whether the Underlying Fund's adviser  
or subadviser is one of Our affiliates or whether the Underlying Fund, its      
adviser, its subadviser(s), or an affiliate will make payments to Us or Our     
affiliates. In this regard, the profit distributions We receive from Our        
affiliated investment advisers are a component of the total revenue that We     
consider in configuring the features and investment choices available in the    
variable insurance products that We and Our affiliated insurance companies      
issue. Since We and Our affiliated insurance companies may benefit more from    
the allocation of assets to portfolios subadvised by Our affiliates than those  
that are not, We may be more inclined to offer portfolios subadvised by Our     
affiliates in the variable insurance products We issue. For additional          
information on these arrangements, see "Payments We Receive." We review the     
Underlying Funds periodically and may remove an Underlying Fund or limit its    
availability to new Purchase Payments and/or transfers of Contract Value if We  
determine that the Underlying Fund no longer meets one or more of the selection 
criteria, and/or if the Underlying Fund has not attracted significant           
allocations from Contract Owners. In some cases, We have included Underlying    
Funds based on recommendations made by broker-dealer firms. These broker-dealer 
firms may receive payments from the Underlying Funds they recommend and may     
benefit accordingly from the allocation of Contract Value to such Underlying    
Funds.                                                                          

WE DO NOT PROVIDE ANY INVESTMENT ADVICE AND DO NOT RECOMMEND OR ENDORSE ANY     
PARTICULAR UNDERLYING FUND. YOU BEAR THE RISK OF ANY DECLINE IN THE CONTRACT    
VALUE OF YOUR CONTRACT RESULTING FROM THE PERFORMANCE OF THE DIVISIONS OF THE   
UNDERLYING FUNDS YOU HAVE CHOSEN.                                               

If investment in the Underlying Funds or a particular Underlying Fund is no     
longer possible, in Our judgment becomes inappropriate for purposes of the      
Contract, or for any other reason in Our sole discretion, We may substitute     
another Underlying Fund or Underlying Funds without Your consent. The           
substituted Underlying Fund may have different fees and expenses. Substitution  
may be made with respect to existing investments or the investment of future    
Purchase Payments, or both. However, We will not make such substitution without 
any necessary approval of the SEC and the                                       

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New York Department of Financial Services. Furthermore, We may close Underlying 
Funds to allocations of Purchase Payments Contract or Value, or both, at any    
time in Our sole discretion.                                                    

PAYMENTS WE RECEIVE. As described above, an investment adviser or subadviser of 
an Underlying Fund, or its affiliates, may make payments to the Company and/or  
certain of Our affiliates. These payments may be used for a variety of          
purposes, including payment of expenses for certain administrative, marketing   
and support services with respect to the Contracts and, in the Company's role   
as an intermediary with respect to the Underlying Funds. The Company and its    
affiliates may profit from these payments. These payments may be derived, in    
whole or in part, from the advisory fee deducted from Underlying Fund assets.   
Contract Owners, through their indirect investment in the Underlying Funds,     
bear the costs of these advisory fees (see the Underlying Funds' prospectuses   
for more information). The amount of the payments We receive is based on a      
percentage of the assets of the Underlying Funds attributable to the Contracts  
and certain other variable insurance products that the Company and its          
affiliates issue. These percentages differ and some advisers or subadvisers (or 
other affiliates) may pay the Company more than others. These percentages       
currently range up to 0.50%.                                                    

Additionally, an investment adviser or subadviser of an Underlying Fund or its  
affiliates may provide the Company with wholesaling services that assist in the 
distribution of the Contracts and may pay the Company and/or certain of Our     
affiliates amounts to participate in sales meetings. These amounts may be       
significant and may provide the adviser or subadviser (or their affiliate) with 
increased access to persons involved in the distribution of the Contracts.      

On August 4, 2017, MetLife, Inc. completed the separation of Brighthouse        
Financial, Inc. and its subsidiaries ("Brighthouse") where MetLife, Inc.        
retained an ownership interest of 19.2% non-voting common stock outstanding of  
Brighthouse Financial, Inc. Brighthouse subsidiaries include Brighthouse        
Investment Advisers, LLC, which serves as the investment adviser for the        
Brighthouse Funds Trust I and Brighthouse Funds Trust II. We and Our affiliated 
companies have entered into agreements with Brighthouse Advisers, LLC,          
Brighthouse Funds Trust I and Brighthouse Funds Trust II whereby We receive     
payments for certain administrative, marketing and support services described   
in the previous paragraphs. Currently, the Portfolios in Brighthouse Funds      
Trust I and Brighthouse Funds Trust II are only available in variable annuity   
contracts and variable life insurance policies issued by Metropolitan Life      
Insurance Company and its affiliates, as well as Brighthouse Life Insurance     
Company and its affiliates. As of December 31, 2017, approximately 85% of       
Portfolio assets held in Separate Accounts of Metropolitan Life Insurance       
Company and its affiliates were allocated to Portfolios in Brighthouse Funds    
Trust I and Brighthouse Funds Trust II. Should we or Brighthouse Investment     
Advisers, LLC decide to terminate the agreements, we would be required to find  
alternative Portfolios which could have higher or lower costs to the Contract   
Owner. In addition, the amount of payments we receive could cease or be         
substantially reduced which may have a material impact on our financial         
statements.                                                                     

Certain Underlying Funds have adopted a Distribution Plan under Rule 12b-1 of   
the 1940 Act. An Underlying Fund's 12b-1 Plan, if any, is described in more     
detail in the Underlying Fund's prospectus. (See "Fee Table -- Underlying Fund  
Fees and Expenses" and "Other Information -- Distribution of the Contracts.")   
Any payments We receive pursuant to those 12b-1 Plans are paid to Us or Our     
distributor. Payments under an Underlying Fund's 12b-1 Plan decrease the        
Underlying Fund's investment return.                                            

Each Underlying Fund has different investment objectives and risks. The         
Underlying Fund prospectuses contain more detailed information on each          
Underlying Fund's investment strategy, investment advisers and its fees. You    
may obtain an Underlying Fund prospectus by calling 1-800-842-9406 or through   
Your registered representative. We do not guarantee the investment results of   
the Underlying Funds.                                                           

The current Underlying Funds are listed below, along with their investment      
advisers and any subadviser.                                                    

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            UNDERLYING FUND                       INVESTMENT OBJECTIVE            INVESTMENT ADVISER/SUBADVISER 
--------------------------------------- --------------------------------------- --------------------------------
                                                                                                                
AMERICAN FUNDS INSURANCE SERIES(R) --                                                                           
 CLASS 2                                                                                                        
American Funds Global Growth Fund       Seeks long-term growth of capital.      Capital Research and Management 
                                                                                Companysm                       
American Funds Growth Fund              Seeks growth of capital.                Capital Research and Management 
                                                                                Companysm                       
American Funds Growth-Income            Seeks long-term growth of capital and   Capital Research and Management 
 Fund                                   income.                                 Companysm                       

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            UNDERLYING FUND                      INVESTMENT OBJECTIVE               INVESTMENT ADVISER/SUBADVISER    
-------------------------------------- ---------------------------------------- -------------------------------------
                                                                                                                     
BRIGHTHOUSE FUNDS TRUST I                                                                                            
American Funds(R) Balanced             Seeks a balance between a high level     Brighthouse Investment Advisers, LLC 
 Allocation Portfolio -- Class C       of current income and growth of                                               
                                       capital, with a greater emphasis on                                           
                                       growth of capital.                                                            
American Funds(R) Growth Allocation    Seeks growth of capital.                 Brighthouse Investment Advisers, LLC 
 Portfolio -- Class C                                                                                                
American Funds(R) Moderate             Seeks a high total return in the form    Brighthouse Investment Advisers, LLC 
 Allocation Portfolio -- Class C       of income and growth of capital, with                                         
                                       a greater emphasis on income.                                                 
BlackRock High Yield Portfolio --      Seeks to maximize total return,          Brighthouse Investment Advisers, LLC 
 Class A                               consistent with income generation        Subadviser: BlackRock Financial      
                                       and prudent investment management.       Management, Inc.                     
Brighthouse Asset Allocation 100       Seeks growth of capital.                 Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                                                                
Brighthouse Small Cap Value            Seeks long-term capital appreciation.    Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                           Subadvisers: Delaware Investments    
                                                                                Fund Advisers; Wells Capital         
                                                                                Management Incorporated              
Brighthouse/Aberdeen Emerging          Seeks capital appreciation.              Brighthouse Investment Advisers, LLC 
 Markets Equity Portfolio -- Class A                                            Subadviser: Aberdeen Asset Managers  
                                                                                Limited                              
Brighthouse/Wellington Large Cap       Seeks long-term capital appreciation.    Brighthouse Investment Advisers, LLC 
 Research Portfolio -- Class E                                                  Subadviser: Wellington Management    
                                                                                Company LLP                          
Clarion Global Real Estate             Seeks total return through investment    Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                  in real estate securities, emphasizing   Subadviser: CBRE Clarion Securities  
                                       both capital appreciation and current    LLC                                  
                                       income.                                                                       
ClearBridge Aggressive Growth          Seeks capital appreciation.              Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                           Subadviser: ClearBridge Investments, 
                                                                                LLC                                  
Harris Oakmark International           Seeks long-term capital appreciation.    Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                                                           Subadviser: Harris Associates L.P.   
Invesco Comstock Portfolio --          Seeks capital growth and income.         Brighthouse Investment Advisers, LLC 
 Class B                                                                        Subadviser: Invesco Advisers, Inc.   
Invesco Small Cap Growth               Seeks long-term growth of capital.       Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                                                           Subadviser: Invesco Advisers, Inc.   
JPMorgan Small Cap Value               Seeks long-term capital growth.          Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                                                           Subadviser: J.P. Morgan Investment   
                                                                                Management Inc.                      
MetLife Multi-Index Targeted Risk      Seeks a balance between growth of        Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                  capital and current income, with a       Subadviser: Overlay Portion: MetLife 
                                       greater emphasis on growth of            Investment Advisors, LLC             
                                       capital.                                                                      
MFS(R) Research International          Seeks capital appreciation.              Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                           Subadviser: Massachusetts Financial  
                                                                                Services Company                     
Oppenheimer Global Equity              Seeks capital appreciation.              Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                           Subadviser: OppenheimerFunds, Inc.   

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            UNDERLYING FUND                       INVESTMENT OBJECTIVE                INVESTMENT ADVISER/SUBADVISER    
-------------------------------------- ----------------------------------------- --------------------------------------
                                                                                                                       
PIMCO Inflation Protected Bond         Seeks maximum real return,                Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                  consistent with preservation of capital   Subadviser: Pacific Investment        
                                       and prudent investment management.        Management Company LLC                
PIMCO Total Return Portfolio --        Seeks maximum total return,               Brighthouse Investment Advisers, LLC  
 Class B                               consistent with the preservation of       Subadviser: Pacific Investment        
                                       capital and prudent investment            Management Company LLC                
                                       management.                                                                     
Schroders Global Multi-Asset           Seeks capital appreciation and            Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  current income.                           Subadvisers: Schroder Investment      
                                                                                 Management North America Inc.;        
                                                                                 Schroder Investment Management        
                                                                                 North America Limited                 
T. Rowe Price Large Cap Value          Seeks long-term capital appreciation      Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  by investing in common stocks             Subadviser: T. Rowe Price Associates, 
                                       believed to be undervalued. Income        Inc.                                  
                                       is a secondary objective.                                                       
Victory Sycamore Mid Cap Value         Seeks high total return by investing in   Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B (formerly        equity securities of mid-sized            Subadviser: Victory Capital           
 Invesco Mid Cap Value Portfolio)      companies.                                Management Inc.                       
BRIGHTHOUSE FUNDS TRUST II                                                                                             
BlackRock Bond Income Portfolio --     Seeks a competitive total return          Brighthouse Investment Advisers, LLC  
 Class A                               primarily from investing in               Subadviser: BlackRock Advisors, LLC   
                                       fixed-income securities.                                                        
BlackRock Capital Appreciation         Seeks long-term growth of capital.        Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                                                            Subadviser: BlackRock Advisors, LLC   
BlackRock Ultra-Short Term Bond        Seeks a high level of current income      Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                  consistent with preservation of           Subadviser: BlackRock Advisors, LLC   
                                       capital.                                                                        
Brighthouse Asset Allocation 20        Seeks a high level of current income,     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  with growth of capital as a secondary                                           
                                       objective.                                                                      
Brighthouse Asset Allocation 40        Seeks high total return in the form of    Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  income and growth of capital, with a                                            
                                       greater emphasis on income.                                                     
Brighthouse Asset Allocation 60        Seeks a balance between a high level      Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  of current income and growth of                                                 
                                       capital, with a greater emphasis on                                             
                                       growth of capital.                                                              
Brighthouse Asset Allocation 80        Seeks growth of capital.                  Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                                                                                                  
Brighthouse/Wellington Balanced        Seeks long-term capital appreciation      Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                  with some current income.                 Subadviser: Wellington Management     
                                                                                 Company LLP                           
Brighthouse/Wellington Core Equity     Seeks to provide a growing stream of      Brighthouse Investment Advisers, LLC  
 Opportunities Portfolio -- Class A    income over time and, secondarily,        Subadviser: Wellington Management     
                                       long-term capital appreciation and        Company LLP                           
                                       current income.                                                                 
Frontier Mid Cap Growth Portfolio --   Seeks maximum capital appreciation.       Brighthouse Investment Advisers, LLC  
 Class D                                                                         Subadviser: Frontier Capital          
                                                                                 Management Company, LLC               

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              UNDERLYING FUND                         INVESTMENT OBJECTIVE                INVESTMENT ADVISER/SUBADVISER    
------------------------------------------ ----------------------------------------- --------------------------------------
                                                                                                                           
Jennison Growth Portfolio -- Class A       Seeks long-term growth of capital.        Brighthouse Investment Advisers, LLC  
                                                                                     Subadviser: Jennison Associates LLC   
MetLife Aggregate Bond Index               Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                      Bloomberg Barclays U.S. Aggregate         Subadviser: MetLife Investment        
                                           Bond Index.                               Advisors, LLC                         
MetLife Mid Cap Stock Index                Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class G                      Standard & Poor's MidCap 400(R)           Subadviser: MetLife Investment        
                                           Composite Stock Price Index.              Advisors, LLC                         
MetLife MSCI EAFE(R) Index                 Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                      MSCI EAFE(R) Index.                       Subadviser: MetLife Investment        
                                                                                     Advisors, LLC                         
MetLife Russell 2000(R) Index              Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                      Russell 2000(R) Index.                    Subadviser: MetLife Investment        
                                                                                     Advisors, LLC                         
MetLife Stock Index Portfolio --           Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Class A                                   Standard & Poor's 500(R) Composite        Subadviser: MetLife Investment        
                                           Stock Price Index.                        Advisors, LLC                         
MFS(R) Total Return Portfolio -- Class F   Seeks a favorable total return through    Brighthouse Investment Advisers, LLC  
                                           investment in a diversified portfolio.    Subadviser: Massachusetts Financial   
                                                                                     Services Company                      
MFS(R) Value Portfolio -- Class A          Seeks capital appreciation.               Brighthouse Investment Advisers, LLC  
                                                                                     Subadviser: Massachusetts Financial   
                                                                                     Services Company                      
MFS(R) Value Portfolio -- Class B          Seeks capital appreciation.               Brighthouse Investment Advisers, LLC  
                                                                                     Subadviser: Massachusetts Financial   
                                                                                     Services Company                      
Neuberger Berman Genesis                   Seeks high total return, consisting       Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                      principally of capital appreciation.      Subadviser: Neuberger Berman          
                                                                                     Investment Advisers LLC               
T. Rowe Price Large Cap Growth             Seeks long-term growth of capital.        Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                                                                Subadviser: T. Rowe Price Associates, 
                                                                                     Inc.                                  
T. Rowe Price Small Cap Growth             Seeks long-term capital growth.           Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                                                                Subadviser: T. Rowe Price Associates, 
                                                                                     Inc.                                  
Western Asset Management Strategic         Seeks to maximize total return            Brighthouse Investment Advisers, LLC  
 Bond Opportunities Portfolio --           consistent with preservation of           Subadviser: Western Asset             
 Class A                                   capital.                                  Management Company                    
Western Asset Management                   Seeks to maximize total return            Brighthouse Investment Advisers, LLC  
 U.S. Government Portfolio --              consistent with preservation of capital   Subadviser: Western Asset             
 Class A                                   and maintenance of liquidity.             Management Company                    
DELAWARE VIP(R) TRUST -- STANDARD                                                                                          
 CLASS                                                                                                                     
Delaware VIP(R) Small Cap Value            Seeks capital appreciation.               Delaware Management Company           
 Series                                                                                                                    
FIDELITY(R) VARIABLE INSURANCE                                                                                             
 PRODUCTS -- SERVICE CLASS 2                                                                                               
Contrafund(R) Portfolio                    Seeks long-term capital appreciation.     Fidelity Management & Research        
                                                                                     Company                               
                                                                                     Subadviser: FMR Co., Inc.             

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            UNDERLYING FUND                      INVESTMENT OBJECTIVE              INVESTMENT ADVISER/SUBADVISER    
-------------------------------------- --------------------------------------- -------------------------------------
                                                                                                                    
Freedom 2020 Portfolio                 Seeks high total return with a          Fidelity Management & Research       
                                       secondary objective of principal        Company                              
                                       preservation as the fund approaches     Subadviser: FMR Co., Inc.            
                                       its target date and beyond.                                                  
Freedom 2025 Portfolio                 Seeks high total return with a          Fidelity Management & Research       
                                       secondary objective of principal        Company                              
                                       preservation as the fund approaches     Subadviser: FMR Co., Inc.            
                                       its target date and beyond.                                                  
Freedom 2030 Portfolio                 Seeks high total return with a          Fidelity Management & Research       
                                       secondary objective of principal        Company                              
                                       preservation as the fund approaches     Subadviser: FMR Co., Inc.            
                                       its target date and beyond.                                                  
Freedom 2040 Portfolio                 Seeks high total return with a          Fidelity Management & Research       
                                       secondary objective of principal        Company                              
                                       preservation as the fund approaches     Subadviser: FMR Co., Inc.            
                                       its target date and beyond.                                                  
Freedom 2050 Portfolio                 Seeks high total return with a          Fidelity Management & Research       
                                       secondary objective of principal        Company                              
                                       preservation as the fund approaches     Subadviser: FMR Co., Inc.            
                                       its target date and beyond.                                                  
Mid Cap Portfolio                      Seeks long-term growth of capital.      Fidelity Management & Research       
                                                                               Company                              
                                                                               Subadviser: FMR Co., Inc.            
FRANKLIN TEMPLETON VARIABLE                                                                                         
 INSURANCE PRODUCTS TRUST -- CLASS 2                                                                                
Templeton Developing Markets VIP       Seeks long-term capital appreciation.   Templeton Asset Management Ltd.      
 Fund                                                                                                               
Templeton Foreign VIP Fund             Seeks long-term capital growth.         Templeton Investment Counsel, LLC    
JANUS ASPEN SERIES -- SERVICE SHARES                                                                                
Janus Henderson Enterprise Portfolio   Seeks long-term growth of capital.      Janus Capital Management LLC         
 (formerly Enterprise Portfolio)                                                                                    
LEGG MASON PARTNERS VARIABLE EQUITY                                                                                 
 TRUST -- CLASS I                                                                                                   
ClearBridge Variable Appreciation      Seeks long-term capital appreciation.   Legg Mason Partners Fund Advisor,    
 Portfolio                                                                     LLC                                  
                                                                               Subadviser: ClearBridge Investments, 
                                                                               LLC (Western Asset Management        
                                                                               Company manages the portion of the   
                                                                               fund's cash and short term           
                                                                               investments allocated to it)         
ClearBridge Variable Dividend          Seeks dividend income, growth of        Legg Mason Partners Fund Advisor,    
 Strategy Portfolio                    dividend income and long-term           LLC                                  
                                       capital appreciation.                   Subadviser: ClearBridge Investments, 
                                                                               LLC (Western Asset Management        
                                                                               Company manages the portion of the   
                                                                               fund's cash and short term           
                                                                               investments allocated to it)         

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            UNDERLYING FUND                      INVESTMENT OBJECTIVE              INVESTMENT ADVISER/SUBADVISER    
--------------------------------------- -------------------------------------- -------------------------------------
                                                                                                                    
ClearBridge Variable Large Cap          Seeks long-term growth of capital.     Legg Mason Partners Fund Advisor,    
 Growth Portfolio                                                              LLC                                  
                                                                               Subadviser: ClearBridge Investments, 
                                                                               LLC (Western Asset Management        
                                                                               Company manages the portion of the   
                                                                               fund's cash and short term           
                                                                               investments allocated to it)         
ClearBridge Variable Small Cap          Seeks long-term growth of capital.     Legg Mason Partners Fund Advisor,    
 Growth Portfolio                                                              LLC                                  
                                                                               Subadviser: ClearBridge Investments, 
                                                                               LLC (Western Asset Management        
                                                                               Company manages the portion of the   
                                                                               fund's cash and short term           
                                                                               investments allocated to it)         
LEGG MASON PARTNERS VARIABLE                                                                                        
 INCOME TRUST -- CLASS I                                                                                            
Western Asset Core Plus VIT Portfolio   Seeks to maximize total return,        Legg Mason Partners Fund Advisor,    
                                        consistent with prudent investment     LLC                                  
                                        management and liquidity needs, by     Subadvisers: Western Asset           
                                        investing to obtain an average         Management Company; Western          
                                        duration within 30% of the average     Asset Management Company             
                                        duration of the domestic bond market   Limited; Western Asset Management    
                                        as a whole.                            Company Ltd.; Western Asset          
                                                                               Management Company Pte Ltd.          
TRUST FOR ADVISED PORTFOLIOS                                                                                        
1919 Variable Socially Responsive       Seeks capital appreciation and         1919 Investment Counsel, LLC         
 Balanced Fund                          retention of net investment income.                                         

Certain Underlying Funds have been subject to a change. Please see "Appendix B  
-- Additional Information Regarding the Underlying Funds."                      

The Underlying Funds listed below are managed in a way that is intended to      
minimize volatility of returns (referred to as a "managed volatility            
strategy").                                                                     

(a) MetLife Multi-Index Targeted Risk Portfolio                                 

Stock prices fluctuate, sometimes rapidly and dramatically, due to factors      
affecting individual companies, particular industries or sectors or general     
market conditions. Bond prices may fluctuate because they move in the opposite  
direction of interest rates. Foreign investing carries additional risks such as 
currency and market volatility. A managed volatility strategy is designed to    
reduce volatility of returns to the above Underlying Funds from investing in    
stocks and bonds. This strategy seeks to reduce such volatility by "smoothing"  
returns, which may result in an Underlying Fund outperforming the general       
securities market during periods of flat or negative market performance, and    
underperforming the general securities market during periods of positive market 
performance. This means that in periods of high market volatility, this managed 
volatility strategy could limit your participation in market gains; this may    
conflict with your investment objectives by limiting your ability to maximize   
potential growth of your Account Value and, in turn, the value of any           
guaranteed benefit that is tied to investment performance. Other Underlying     
Funds may offer the potential for higher returns. Please see the Underlying     
Funds prospectuses for more information in general, as well as more information 
about the managed volatility strategy.                                          

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UNDERLYING FUNDS WHICH ARE FUND OF FUNDS                                        

The following portfolios available within the Brighthouse Funds Trust I and     
Brighthouse Funds Trust II are "fund of funds":                                 

Freedom 2020 Portfolio                                                          
Freedom 2025 Portfolio                                                          
Freedom 2030 Portfolio                                                          
Freedom 2040 Portfolio                                                          
Freedom 2050 Portfolio                                                          
Brighthouse Asset Allocation 20 Portfolio                                       
Brighthouse Asset Allocation 40 Portfolio                                       
Brighthouse Asset Allocation 60 Portfolio                                       
Brighthouse Asset Allocation 80 Portfolio                                       
Brighthouse Asset Allocation 100 Portfolio                                      
American Funds (R) Balanced Allocation Portfolio                                
American Funds (R) Growth Allocation Portfolio                                  
American Funds (R) Moderate Allocation Portfolio                                
MetLife Multi-Index Targeted Risk Portfolio                                     

"Fund of funds" Underlying Funds invest substantially all of their assets in    
other underlying funds. Therefore, each of these Underlying Funds will bear its 
pro rata share of the fees and expenses incurred by the underlying funds in     
which it invests in addition to its own management fees and expenses. This will 
reduce the investment return of each of the fund of funds Underlying Funds. The 
expense levels will vary over time, depending on the mix of underlying funds in 
which the fund of funds Underlying Fund invests. You may be able to realize     
lower aggregate expenses by investing directly in the underlying funds instead  
of investing in the fund of funds Underlying Funds, if such Underlying Funds    
are available under the Contract. However, only some of the Underlying Funds    
are available under the Contract.                                               

CHARGES AND DEDUCTIONS
--------------------------------------------------------------------------------
GENERAL                                                                         

We deduct the charges described below. The charges are for the services and     
benefits We provide, costs and expenses We incur, and risks We assume under the 
Contracts. Services and benefits We provide include:                            

o   the ability for You to make withdrawals and surrenders under the      
Contracts;                                                        

 o   the death benefit paid on the death of the Contract Owner or Annuitant;

o   the available Divisions and related programs (including dollar cost   
    averaging, portfolio rebalancing, and systematic withdrawal programs);

o   administration of the Annuity options available under the Contracts;  
and                                                               

o   the distribution of various reports to Contract Owners.               

Costs and expenses We incur include:                                            

o   losses associated with various overhead and other expenses associated 
 with providing the services and benefits provided by the Contracts;

o   sales and marketing expenses including commission payments to Your    
sales representative (where applicable); and                      

o   other costs of doing business.                                        

Risks We assume include:                                                        

 o   that Annuitants may live longer than estimated when the Annuity factors
under the Contracts were established;                             

o   that the amount of the death benefit will be greater than the Contract
Value; and                                                        

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o   that the costs of providing the services and benefits under the       
Contracts will exceed the charges deducted.                       

We may also deduct a charge for taxes.                                          

Unless otherwise specified, charges are deducted proportionately from all       
Divisions in which You are invested.                                            

We may reduce or eliminate the surrender charge, the administrative charges     
and/or the mortality and expense risk charge under the Contract based upon      
characteristics of the group. Such characteristics include, but are not limited 
to, the nature of the group, size, facility by which Purchase Payments will be  
paid, and aggregate amount of anticipated persistency. The availability of a    
reduction or elimination of the surrender charge or the administrative charge   
will be made in a reasonable manner and will not be unfairly discriminatory to  
the interest of any Contract Owner.                                             

The amount of a charge may not necessarily correspond to the costs associated   
with providing the services or benefits indicated by the designated charge. For 
example, the surrender charge We collect may not fully cover all of the sales   
and distribution expenses We actually incur. We may also profit on one or more  
of the charges. We may use any such profits for any corporate purpose,          
including the payment of sales expenses.                                        

SURRENDER CHARGE                                                                

We do not deduct a surrender charge from Purchase Payments when they are made   
under the Contract. However, when withdrawn, We will charge a surrender charge  
on the amount withdrawn, as negotiated. Any surrender charge, penalty tax and   
withholding will be deducted from either the amount surrendered or from the     
remaining Contract Value, as requested by You. The maximum surrender charge is  
5% of the amount surrendered in the first two Contract Years, up to 4% in years 
three and four, up to 3% in years five and six, up to 2% in years seven and     
eight and 0% beginning in the ninth year. Any applicable surrender charge will  
not exceed 8.5% of the aggregate amount of the Purchase Payments made.          

The surrender charges can be changed if We anticipate We will incur decreased   
sales-related expenses due to the nature of the Plan to which the Contract is   
issued or the involvement of TPAs. When considering a change in the surrender   
charges, We will take into account:                                             

(a)        the expected level of initial agent or the Company involvement 
    during the establishment and maintenance of the Contract
         including the amount of enrollment activity required, and the
          amount of service required by the Contract Owner in support of
the Plan;                                           

(b)        Contract Owner, agent or TPA involvement in conducting ongoing 
enrollment of subsequently eligible Participants;   

(c)        the expected level of commission We may pay to the agent or TPA
for distribution expenses; and                      

(d)        any other factors that We anticipate will increase or decrease 
      the sales-related expenses associated with the sale of the
Contract in connection with the Plan.               

We may not assess a surrender charge if a withdrawal is made under one of the   
following circumstances:                                                        

o   retirement of Participant;                                            

o   severance from employment by Participant;                             

o   loans (if available);                                                 

o   hardship (as defined by the Code) suffered by the Participant;        

o   death of Participant;                                                 

o   disability (as defined by the Code) of Participant;                   

o   return of Excess Plan Contributions;                                  

o   required minimum distributions, generally when Participant reaches age
70 1/2;                                                           

o   transfers to an Employee Stock Fund;                                  

o   certain Plan expenses, as mutually agreed upon;                       

o   annuitization under this Contract or another contract issued by Us;   

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o   for 403(b) arrangements, 401(k) Plans, 401(a) Plans, Section 457(b)   
      deferred compensation Plans and 403(a) arrangements, direct transfers to
   another funding vehicle or Annuity contract issued by Us or by one of
Our affiliates and We agree; or                                   

o   to avoid required Federal income tax penalties (This waiver only      
    applies to amounts required to be distributed under the Code from this
Contract.)                                                        

For Section 401(a) Plans with less than 50 Participants at the time of sale,    
highly compensated employees, as defined by the Code, during the first five     
Contract Years may be subject to surrender charges for all distributions listed 
above except loans and return of Excess Plan Contributions.                     

For unallocated Contracts, We make the deductions described above pursuant to   
the terms of the various agreements among the custodian, the principal          
underwriter, and Us.                                                            

DIVORCE. A withdrawal made pursuant to a divorce or separation instrument is    
subject to the same surrender charge provisions described in this section, if   
permissible under tax law. In addition, the withdrawal will reduce the Contract 
Value and the death benefit. The withdrawal could have a significant negative   
impact on the death benefit.                                                    

FREE WITHDRAWAL ALLOWANCE                                                       

For Contracts in use with deferred compensation Plans, the tax deferred Annuity 
Plans and combined Qualified Plans/tax-deferred Annuity Plans, there is         
currently a 10% free withdrawal allowance (based upon Contract Value as of the  
previous Contract anniversary) available each year after the first Contract     
Year. The available withdrawal amount will be calculated as of the first        
Valuation Date of any given Contract Year. The free withdrawal allowance        
applies to partial surrenders of any amount and to full surrenders.             

Any withdrawal is subject to federal income taxes on the taxable portion. In    
addition, a 10% federal penalty tax may be assessed on any withdrawal if the    
Contract Owner is under age 59 1/2. You should consult with Your tax adviser    
regarding the tax consequences of a withdrawal.                                 

TRANSFER CHARGE                                                                 

We reserve the right to assess a transfer charge of up to $10 on transfers      
exceeding twelve per year. We will notify You in writing at Your last known     
address at least 31 days before We impose any such transfer charge.             

MORTALITY AND EXPENSE RISK CHARGE                                               

Each business day, We deduct a mortality and expense risk ("M&E") charge from   
amounts We hold in the Divisions. We reflect the deduction in Our calculation   
of Accumulation and Annuity Unit Values. The charges stated are the maximum for 
this product. This charge is equal to 1.20% annually.                           

UNDERLYING FUND EXPENSES                                                        

We summarized the charges and expenses of the Underlying Funds in the fee       
table. Please review the prospectus for each Underlying Fund for a more         
complete description of that fund and its expenses. Underlying Fund expenses    
are not fixed or guaranteed and are subject to change by the Underlying Fund.   

VARIABLE LIQUIDITY BENEFIT CHARGE                                               

If the Variable Liquidity Benefit is selected, there is a maximum charge of 5%  
of the amounts withdrawn during the Annuity Period. This charge is not assessed 
during the accumulation phase.                                                  

We will assess the charge as a percentage of the total benefit received as      
follows:                                                                        

                                                                [Download Table]

 CONTRACT YEAR     SURRENDER CHARGE
---------------   -----------------
                                   
      0-2                5%        
      3-4                4%        
      5-6                3%        
      7-8                2%        
       9+                0%        

Please refer to "The Annuity Period" section for a description of this benefit. 

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ADMINISTRATIVE CHARGE                                                           

We deduct this charge each business day from Your assets allocated to the       
Separate Account in order to compensate the Company for certain administrative  
and operating expenses. The charge equals a maximum of 0.10% annually of the    
daily net asset value of each Division. This charge is assessed during the      
Accumulation and Annuity Periods.                                               

As discussed below, the level of the administrative expense charge is subject   
to negotiation. In determining the level of the administrative charge, We       
consider certain factors including, but not limited to, the following:          

(a)        The size and characteristics of the Contract and the group to  
       which it is issued including: the annual amount of Purchase
         Payments per Participant, the expected turnover of employees,
             whether the Contract Owner will make Purchase Payment allocations
electronically;                                     

(b)        Determination of Our anticipated expenses in administering the 
       Contract, such as: billing for Purchase Payments, producing
          periodic reports, providing for the direct payment of Contract
          charges rather than having them deducted from Contract Values;
and                                                 

(c)        TPA and/or agent involvement.                                  

TPA ADMINISTRATIVE CHARGES                                                      

We may be directed by the Contract Owner to deduct charges from Purchase        
Payments or Contract Values for payment to the Contract Owner, the TPA and/or   
other specified party. We will send these fees directly to the party specified  
by the Contract Owner. These charges are not separately levied by the Contract  
and are not subject to surrender charges. Such charges may include maintenance  
fees, transaction fees, recordkeeping and other administrative fees.            

PREMIUM TAX                                                                     

New York State currently does not impose any Premium Taxes.                     

INCOME TAXES                                                                    

We reserve the right to deduct from the Contract for any income taxes which we  
incur because of the Contract. In general, we believe under current Federal     
income tax law, we are entitled to hold reserves with respect to the Contract   
that offset Separate Account income. If this should change, it is possible we   
could incur income tax with respect to the Contract, and in that event we may   
deduct such tax from the Contract. At the present time, however, we are not     
incurring any such income tax or making any such deductions.                    

CHANGES IN TAXES BASED UPON PREMIUM OR VALUE                                    

If there is any change in a law assessing taxes against the Company based upon  
Purchase Payments, Contract gains or value of the Contract, We reserve the      
right to charge You proportionately for this tax.                               

ACCOUNT REDUCTION LOAN FEES                                                     

We make available account reduction loans. If Your Plan or group of which You   
are a Participant or member permits account reduction loans, and You take an    
account reduction loan, there is a $75 Account Reduction Loan initiation fee.   
This fee is paid from the requested loan principal amount. There is also a $50  
annual maintenance fee per loan outstanding. The maintenance fee is taken       
pro-rata from each Division and the Fixed Account in which You then have a      
balance and is paid on a quarterly basis at the end of each quarter. Either or  
both fees may be waived for certain groups.                                     

TRANSFERS 
--------------------------------------------------------------------------------

Subject to the limitations described below, You may transfer all or part of     
Your Contract Value between Divisions at any time up to 30 days before the      
Maturity Date. After the Maturity Date, You may make transfers only if allowed  
by Your Contract or with Our consent. Transfer requests received at Our Home    
Office that are in Good Order before the close of the NYSE will be processed    
according to the value(s) next computed following the close of business.        
Transfer requests received on a non-business day or after the close of the NYSE 
will be processed based on the value(s) next computed on the next business day. 

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We reserve the right with 30 days advance written notice to restrict transfers  
from the Divisions to the Fixed Account whenever the credited interest rate on  
the Fixed Account is equal to the minimum guaranteed interest rate specified    
under the Contract. We will provide advance written notice if this restriction  
is subsequently lifted.                                                         

Currently, there are no charges for transfers; however, We reserve the right to 
charge a fee for any transfer request which exceeds twelve per year. Since each 
Underlying Fund may have different overall expenses, a transfer of Contract     
Values from one Division to another could result in Your investment becoming    
subject to higher or lower expenses. Also, when making transfers, You should    
consider the inherent risks associated with the Divisions to which Your         
Contract Value is allocated.                                                    

You may also transfer between the Divisions and the Fixed Account; however, no  
transfers are allowed between the Fixed Account and any Competing Fund. Amounts 
previously transferred from the Fixed Account to the Underlying Funds may not   
be transferred back to the Fixed Account or any Division investing in Competing 
Funds for a period of at least three months for the date of the transfer.       
Amounts previously transferred from a Competing Fund to a Division, which is    
not a Competing Fund, may not be transferred to the Fixed Account for a period  
of at least three months from the date of the Purchase Payment. (Please refer   
to "Appendix E -- Competing Funds.")                                            

RESTRICTIONS ON TRANSFERS                                                       

RESTRICTIONS ON FREQUENT TRANSFERS. Frequent requests from Contract Owners to   
transfer Contract Value may dilute the value of an Underlying Fund's shares if  
the frequent trading involves an attempt to take advantage of pricing           
inefficiencies created by a lag between a change in the value of the securities 
held by the Underlying Fund and the reflection of that change in the Underlying 
Fund's share price ("arbitrage trading"). Frequent transfers involving          
arbitrage trading may adversely affect the long-term performance of the         
Underlying Funds, which may in turn adversely affect Contract Owners and other  
persons who may have an interest in the Contracts (e.g., Annuitants and         
Beneficiaries).                                                                 

We have policies and procedures that attempt to detect and deter frequent       
transfers in situations where We determine there is a potential for arbitrage   
trading. Currently, We believe that such situations may be presented in the     
international, small-cap, and high-yield Underlying Funds. We monitor transfer  
activity in those Monitored Portfolios:                                         

American Funds Global Growth Fund                                     
BlackRock High Yield Portfolio                                        
Brighthouse Small Cap Value Portfolio                                 
Brighthouse/Aberdeen Emerging Markets Equity Portfolio                
Clarion Global Real Estate Portfolio                                  
ClearBridge Variable Small Cap Growth Portfolio                       
Delaware VIP(R) Small Cap Value Series                                
Harris Oakmark International Portfolio                                
Invesco Small Cap Growth Portfolio                                    
JPMorgan Small Cap Value Portfolio                                    
MetLife MSCI EAFE(R) Index Portfolio                                  
MetLife Russell 2000(R) Index Portfolio                               
MFS(R) Research International Portfolio                               
Neuberger Berman Genesis Portfolio                                    
Oppenheimer Global Equity Portfolio                                   
T. Rowe Price Small Cap Growth Portfolio                              
Templeton Developing Markets VIP Fund                                 
Templeton Foreign VIP Fund                                            
Western Asset Core Plus VIT Portfolio                                 
Western Asset Management Strategic Bond Opportunities Portfolio       

We employ various means to monitor transfer activity, such as examining the     
frequency and size of transfers into and out of the Monitored Portfolios within 
given periods of time. For example, We currently monitor transfer activity to   
determine if, for each of the Monitored Portfolios, in a three-month period     
there were two or more "round-trips" of a certain dollar amount or greater. A   
round-trip is defined as a transfer in followed by a transfer out within the    
next ten calendar days, or a transfer out followed by a transfer in within the  
next ten calendar days. In the case of a Contract that has been restricted      
previously, a single round-trip of a certain dollar amount or greater will      
trigger the transfer restrictions described below. WE DO NOT BELIEVE THAT OTHER 
UNDERLYING FUNDS PRESENT A SIGNIFICANT OPPORTUNITY TO                           

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ENGAGE IN ARBITRAGE TRADING AND THEREFORE DO NOT MONITOR TRANSFER ACTIVITY IN   
THOSE UNDERLYING FUNDS. We may change the Monitored Portfolios at any time      
without notice in Our sole discretion.                                          

As a condition to making their portfolios available in Our products, American   
Funds(R) requires Us to treat all American Funds portfolios as Monitored        
Portfolios under Our current frequent transfer policies and procedures.         
Further, American Funds(R) requires Us to impose additional specified           
monitoring criteria for all American Funds portfolios available under the       
Contract, regardless of the potential for arbitrage trading. We are required to 
monitor transfer activity in American Funds portfolios to determine if there    
were two or more transfers in followed by transfers out, in each case of a      
certain dollar amount or greater, in any 30-day period. A first violation of    
the American Funds(R) monitoring policy will result in a written notice of      
violation; each additional violation will result in the imposition of the       
transfer restrictions described below. Further, as Monitored Portfolios,        
American Funds portfolios also will be subject to Our current frequent transfer 
policies, procedures and restrictions, and transfer restrictions may be imposed 
upon a violation of either monitoring policy. A process has been implemented to 
enforce the American Funds restrictions. There is no guarantee that this        
process will detect all Contract Owners whose transfer activity in the American 
Funds portfolios violates the monitoring policy.                                

Our policies and procedures may result in transfer restrictions being applied   
to deter frequent transfers. Currently, when We detect transfer activity in the 
Monitored Portfolios that exceeds Our current transfer limits, We will issue a  
warning letter for the first occurrence. If We detect a second occurrence, We   
will exercise Our contractual right to restrict Your number of transfers to one 
every six months.                                                               

Transfers made under a Dollar Cost Averaging Program, a rebalancing program or, 
if applicable, any asset allocation program described in this prospectus are    
not treated as transfers when We monitor the frequency of transfers.            

The detection and deterrence of harmful transfer activity involves judgments    
that are inherently subjective, such as the decision to monitor only those      
Underlying Funds that We believe are susceptible to arbitrage trading or the    
determination of the transfer limits. Our ability to detect and/or restrict     
such transfer activity may be limited by operational and technological systems, 
as well as Our ability to predict strategies employed by Contract Owners to     
avoid such detection. Our ability to restrict such transfer activity also may   
be limited by provisions of the Contract. Accordingly, there is no assurance    
that We will prevent all transfer activity that may adversely affect Contract   
Owners and other persons with interests in the Contracts. We do not accommodate 
frequent transfers in any Underlying Fund and there are no arrangements in      
place to permit any Contract Owner to engage in frequent transfers; We apply    
Our policies and procedures without exception, waiver, or special arrangement.  

The Underlying Funds may have adopted their own policies and procedures with    
respect to frequent transfers of their respective shares, and We reserve the    
right to enforce these policies and procedures. For example, Underlying Funds   
may assess a redemption fee (which We reserve the right to collect) on shares   
held for a relatively short period. The prospectuses for the Underlying Funds   
describe any such policies and procedures, which may be more or less            
restrictive than the policies and procedures We have adopted. Although We may   
not have the contractual authority or the operational capacity to apply the     
frequent transfer policies and procedures of the Underlying Funds, We have      
entered into a written agreement, as required by SEC regulation, with each      
Underlying Fund or its principal underwriter that obligates Us to provide to    
the Underlying Fund promptly upon request certain information about the trading 
activity of an individual Contract Owner, and to execute instructions from the  
Underlying Fund to restrict or prohibit further Purchase Payments or transfers  
by specific Contract Owners who violate the frequent transfer policies          
established by the Underlying Fund.                                             

In addition, Contract Owners and other persons with interests in the Contracts  
should be aware that the purchase and redemption orders received by the         
Underlying Funds generally are "omnibus" orders from intermediaries, such as    
retirement Plans or Separate Accounts funding variable insurance contracts. The 
omnibus orders reflect the aggregation and netting of multiple orders from      
individual Contract Owners of variable insurance Contracts and/or individual    
retirement Plan Participants. The omnibus nature of these orders may limit the  
Underlying Funds in their ability to apply their frequent transfer policies and 
procedures. In addition, the other insurance companies and/or retirement Plans  
may have different policies and procedures or may not have any such policies    
and procedures because of contractual limitations. For these reasons, We cannot 
guarantee that the Underlying Funds (and thus Contract Owners) will not be      
harmed by transfer activity relating to other insurance companies and/or        
retirement Plans that may invest in the Underlying Funds. If an Underlying Fund 
believes that an omnibus order reflects one or more transfer requests from      
Contract Owners engaged in frequent trading, the Underlying Fund may reject the 
entire omnibus order.                                                           

In accordance with applicable law, We reserve the right to modify or terminate  
the transfer privilege at any time. We also reserve the right to defer or       
restrict the transfer privilege at any time that We are unable to purchase or   
redeem                                                                          

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shares of any of the Underlying Funds, including any refusal or restriction on  
purchases or redemptions of their shares as a result of their own policies and  
procedures on frequent transfers (even if an entire omnibus order is rejected   
due to the frequent transfers of a single Contract Owner). You should read the  
Underlying Fund prospectuses for more details.                                  

RESTRICTIONS ON LARGE TRANSFERS. Large transfers may increase brokerage and     
administrative costs of the Underlying Funds and may disrupt portfolio          
management strategy, requiring an Underlying Fund to maintain a high cash       
position and possibly resulting in lost investment opportunities and forced     
liquidations. We do not monitor for large transfers to or from Underlying Funds 
except where the portfolio manager of a particular Underlying Fund has brought  
large transfer activity to Our attention for investigation on a case-by-case    
basis. For example, some portfolio managers have asked Us to monitor for "block 
transfers" where transfer requests have been submitted on behalf of multiple    
Contract Owners by a third party such as an investment adviser. When We detect  
such large trades, We will issue a warning letter for the first occurrence. If  
We detect a second occurrence, We will exercise Our contractual right to        
restrict Your number of transfers to one every six months.                      

DOLLAR COST AVERAGING                                                           

Dollar Cost Averaging or the pre-authorized transfer program (the "DCA          
Program") allows You to transfer a set dollar amount to other Divisions on a    
monthly or quarterly basis during the Accumulation phase of the Contract. Using 
this method, You will purchase more Accumulation Units in a Division if the     
value per unit is low and will purchase fewer Accumulation Units if the value   
per unit is high. Therefore, You may achieve a lower-than-average cost per unit 
in the long run if You have the financial ability to continue the program over  
a long enough period of time. Dollar Cost Averaging does not assure a profit or 
protect against a loss.                                                         

You may elect the DCA Program through Written Request or other method           
acceptable to Us. You must have a minimum total Contract Value of $5,000 to     
enroll in the DCA Program. The minimum amount that may be transferred through   
this program is $400. There is no additional fee to participate in the DCA      
Program.                                                                        

You may establish pre-authorized transfers of Contract Value from the Fixed     
Account, subject to certain restrictions. Under the DCA Program, automated      
transfers from the Fixed Account may not deplete Your Fixed Account value in    
less than twelve months from Your enrollment in the DCA Program.                

The pre-authorized transfers will begin after the initial program Purchase      
Payment and complete enrollment instructions are received by the Company. If We 
do not receive complete program enrollment instructions within 15 days of       
receipt of the initial program Purchase Payment, the entire balance in the DCA  
Program will be credited with the non-program interest rate then in effect for  
the Fixed Account.                                                              

You may start or stop participation in the DCA Program at any time, but You     
must give the Company at least 30 days' notice to change any automated transfer 
instructions that are currently in place.                                       

You may only have one DCA Program in place at one time. We will allocate any    
subsequent Purchase Payments We receive within the program period selected to   
the current Divisions over the remainder of that program transfer period,       
unless You direct otherwise.                                                    

All provisions and terms of the Contract apply to the DCA Program, including    
provisions relating to the transfer of money between Divisions. We reserve the  
right to suspend or modify transfer privileges at any time and to assess a      
processing fee for this service.                                                

We may terminate Your participation in the DCA Program upon notification of     
Your death.                                                                     

ACCESS TO YOUR MONEY
--------------------------------------------------------------------------------

Before Your Maturity Date, We will pay all or any portion of Your Cash          
Surrender Value to the Contract Owner or to You, as provided in the Plan. A     
Contract Owner's account may be surrendered for cash without the consent of any 
Participant, as provided in the Plan. You may submit a written withdrawal       
request, which must be received at Our Home Office on or before the Maturity    
Date, that indicates that the withdrawal should be processed as of the Maturity 
Date, in which case the request will be deemed to have been received on, and    
the withdrawal amount will be priced according to, the Accumulation Unit Value  
calculated as of the Maturity Date.                                             

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We may defer payment of any Cash Surrender Value for up to seven days after We  
receive the request in Good Order. The Cash Surrender Value equals the Contract 
Value less any applicable withdrawal charge, and outstanding cash loans. The    
Cash Surrender Value may be more or less than the Purchase Payments made        
depending on the Contract Value at the time of surrender.                       

We may withhold payment of Cash Surrender Value or a Participant's loan         
proceeds if any portion of those proceeds would be derived from a Contract      
Owner's check that has not yet cleared (i.e., that could still be dishonored by 
Your banking institution). We may use telephone, fax, Internet or other means   
of communication to verify that payment from the Contract Owner's check has     
been or will be collected. We will not delay payment longer than necessary for  
Us to verify that payment has been or will be collected. Contract Owners may    
avoid the possibility of delay in the disbursement of proceeds coming from a    
check that has not yet cleared by providing Us with a certified check.          

If Your Contract is issued as part of a 403(b) Plan, there are restrictions on  
Your ability to make withdrawals from Your Contract. You may not withdraw       
contributions or earnings made to Your Contract after December 31, 1988 unless  
You are (a) age 59 1/2; (b) no longer employed; (c) deceased; (d) disabled; or  
(e) experiencing a financial hardship. Even if You are experiencing a financial 
hardship, You may only withdraw contributions, not earnings. You should consult 
with Your tax adviser before making a withdrawal from Your Contract.            

SYSTEMATIC WITHDRAWALS                                                          

Before the Maturity Date, You may choose to withdraw a specified dollar amount  
(at least $50) on a monthly, quarterly, semiannual or annual basis. We will     
deduct any applicable withdrawal charge. To elect systematic withdrawals You    
must have a Contract Value of at least $5,000 and You must make the election on 
the form We provide. We will surrender Accumulation Units pro rata from all     
Divisions and the Fixed Account in which You have an interest, unless You       
instruct Us otherwise. You may begin or discontinue systematic withdrawals at   
any time by notifying Us in writing, but You must give at least 30 days' notice 
to change any systematic withdrawal instructions that are currently in place.   
We will also discontinue systematic withdrawals upon notification of Your       
death.                                                                          

We reserve the right to discontinue offering systematic withdrawals.            

Each systematic withdrawal is subject to federal income taxes on the taxable    
portion, and may be subject to withdrawal charges. In addition, a 10% federal   
penalty tax may be assessed on systematic withdrawals if the Participant is     
under age 59 1/2. There is no additional fee for electing systematic            
withdrawals. You should consult with Your tax adviser regarding the tax         
consequences of systematic withdrawals.                                         

ACCOUNT REDUCTION LOANS                                                         

We administer loan programs made available through Plans or group arrangements  
on an account reduction basis for certain Contracts. If the loan is in default  
and has been reported to the IRS as income but not yet offset, loan repayments  
will be posted as after-tax contributions. Loan amounts will be taken from      
amounts that are vested according to Your Plan or group arrangement on a        
pro-rata basis from the source(s) of money the Plan or group arrangement        
permits to be borrowed (e.g., money contributed to the Plan or group            
arrangement through salary reduction, elective deferrals, direct transfers,     
direct rollovers and employer contributions), then on a pro-rata basis from     
each Division and the Fixed Account in which You then have a balance consisting 
of these sources of money. Loan repayments will be allocated on a pro-rata      
basis into the Divisions and the Fixed Account in which You then have a         
balance. Loan repayment periods, repayment methods, interest rate, default      
procedures, tax reporting and permitted minimum and maximum loan amounts will   
be disclosed in the loan agreement documents. There may be initiation and       
maintenance fees associated with these loans.                                   

OWNERSHIP PROVISIONS
--------------------------------------------------------------------------------
TYPES OF OWNERSHIP                                                              

CONTRACT OWNER                                                                  

If a group "allocated" Contract is purchased, We issue Certificates to the      
individual Participants. If a group unallocated Contract is purchased, We issue 
only the Contract. Where We refer to "You," We are referring to the Contract    
Owner, or to the group Participant, as applicable. There can only be one        
Contract Owner.                                                                 

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You receive all payments while the Annuitant is alive unless You direct them to 
an alternate recipient. An alternate recipient does not become the Contract     
Owner.                                                                          

BENEFICIARY                                                                     

You name the Beneficiary in a Written Request. The Beneficiary has the right to 
receive any remaining contractual benefits upon the death of the Annuitant or   
Contract Owner. If more than one Beneficiary survives the Annuitant, they will  
share equally in benefits unless We receive other instructions by Written       
Request before the death of the Annuitant or Contract Owner.                    

Unless You have named an irrevocable Beneficiary, You have the right to change  
any Beneficiary by Written Request during the lifetime of the Annuitant and     
while the Contract continues.                                                   

ABANDONED PROPERTY REQUIREMENTS                                                 

Every state has unclaimed property laws which generally declare non-ERISA       
annuity contracts to be abandoned after a period of inactivity of three to five 
years from the contract's Maturity Date (the latest day on which annuity        
payments may begin under the Contract) or the date the death benefit is due and 
payable. For example, if the payment of a death benefit has been triggered,     
but, if after a thorough search, We are still unable to locate the Beneficiary  
of the death benefit, or the Beneficiary does not come forward to claim the     
death benefit in a timely manner, the death benefit will be paid to the         
abandoned property division or unclaimed property office of the state in which  
the Beneficiary or You last resided, as shown on Our books and records, or to   
Our state of domicile. (Escheatment is the formal legal name of this process.)  
However, the state is obligated to pay the death benefit (without interest) if  
Your Beneficiary steps forward to claim it with the proper documentation. To    
prevent Your Contract's proceeds from being paid to the state abandoned or      
unclaimed property office, it is important that You update Your Beneficiary     
designations, including addresses, if and as they change. Please call           
1-800-842-9406 to make such changes.                                            

ANNUITANT                                                                       

The Annuitant is the individual on whose life the Maturity Date and the amount  
of the monthly Annuity Payments depend.                                         

DEATH BENEFIT 
--------------------------------------------------------------------------------
Before the Maturity Date generally, a death benefit is payable when either the  
Annuitant or a Contract Owner dies. The death benefit is calculated at the      
close of the business day on which the Company's Home Office receives Due Proof 
of Death and instructions for payment in Good Order ("Death Report Date").      

We will pay this benefit upon receiving Due Proof of Death along with a Written 
Request noting the Contract Value and the total Purchase Payments attributable  
to the Participant under the Contract. In addition, We will require copies of   
records and any other reasonable proof We find necessary to verify the Contract 
Value and total Purchase Payments attributable to the Participant under the     
unallocated Contract.                                                           

DEATH BENEFIT PROCEEDS PRIOR TO THE MATURITY DATE                               

ALLOCATED CONTRACT. If the Participant dies before the Maturity Date and before 
reaching age 75, the death benefit payable will be the greater of:              

(a)        the Contract Value of the Participant's Individual Account; or 

(b)        the total Purchase Payments under that Participant's Individual
             Account, less, for each option, any applicable Premium Tax, minus
           outstanding loan amounts and prior surrenders as of the date We
          receive Due Proof of Death (including any applicable withdrawn
charge).                                            

If the Participant dies on or after age 75 and before the Maturity Date, We     
will pay the Beneficiary the Contract Value of the Participant's Individual     
Account, less any applicable Premium Tax or outstanding loan amounts as of the  
date We receive Due Proof of Death.                                             

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UNALLOCATED CONTRACT. (This death benefit is available only with Our consent    
and by endorsement to the Contract.) The unallocated Contract provides that, in 
the event the Participant dies before the selected Maturity Date, or the        
Participant's attainment of age 75 (whichever occurs first), the death benefit  
payable will be the greater of:                                                 

(a)        the Contract Value attributable to the Participant under the   
Contract; or                                        

(b)        the total Purchase Payments attributable to the Participant    
          under the Contract, less any applicable Premium Tax, minus any
           outstanding loan amounts and prior surrenders as of the date We
receive Due Proof of Death.                         

If the Participant dies on or after attainment of age 75 and before the         
Maturity Date, We will pay the Beneficiary the Contract Value attributable to   
the Participant under the Contract, less any applicable Premium Tax, prior      
surrenders not previously deducted and any outstanding loan balance (if         
applicable) as of the date We receive Due Proof of Death.                       

PAYMENT OF PROCEEDS                                                             

We describe the process of paying death benefit proceeds before the Maturity    
Date in the chart below. The chart does not encompass every situation and is    
merely intended as a general guide. More detailed information is provided in    
Your Contract. Generally, the person(s) receiving the benefit may request that  
the proceeds be paid in one sum, including either by check, by placing the      
amount in an account that earns interest, or by any other method of payment     
that provides the Beneficiary with immediate and full access to the proceeds,   
or under other settlement options that We may make available.                   

If We are notified of Your death before any requested transaction is completed  
(which may include transactions under the DCA Program, automatic rebalancing    
program and systematic withdrawals), We may cancel the request. As described    
above, the death benefit is determined on the Death Report Date.                

                                                                [Download Table]

                                                                        MANDATORY  
BEFORE THE MATURITY DATE,                THE COMPANY WILL              PAYOUT RULES
  UPON THE DEATH OF THE                PAY THE PROCEEDS TO:               APPLY*   
                                                                                   
OWNER/ANNUITANT            The Beneficiary (ies), or if none, to the  Yes          
                           Contract Owner's estate.                                
BENEFICIARY                No death proceeds are payable; Contract    N/A          
                           continues.                                              
CONTINGENT BENEFICIARY     No death proceeds are payable; Contract    N/A          
                           continues.                                              

*     Certain payout rules of the Code are triggered upon the death of the      
Contract Owner. Non-spousal Beneficiaries (as well as spousal       
  Beneficiaries who choose not to assume the Contract) must begin taking
    distributions based on the Beneficiary's life expectancy within one year
     of death or take a complete distribution of Contract proceeds within five
years of death. If mandatory distributions have begun, the five year
payout option is not available.                                     

DEATH PROCEEDS AFTER THE MATURITY DATE                                          

If any Participant or the Annuitant dies on or after the Maturity Date, the     
Company will pay the Beneficiary a death benefit consisting of any benefit      
remaining under the Annuity or income option then in effect. We will pay the    
death benefit to the Contract Owner, or the Beneficiary, as provided in the     
Plan.                                                                           

TOTAL CONTROL ACCOUNT                                                           

If Your Contract was issued in connection with a 403(b) Plan, Your Beneficiary  
may elect to have the Contract's death benefit proceeds paid through a          
settlement option called the Total Control Account, subject to Our current      
established administrative procedures and requirements. The Total Control       
Account is an interest-bearing account through which the Beneficiary has        
immediate and full access to the proceeds, with unlimited draft writing         
privileges. We credit interest to the account at a rate that will not be less   
than a guaranteed minimum annual effective rate.                                

Assets backing the Total Control Accounts are maintained in Our general account 
and are subject to the claims of Our creditors. We will bear the investment     
experience of such assets; however, regardless of the investment experience of  
such assets, the interest credited to the Total Control Account will never fall 
below the applicable guaranteed                                                 

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minimum annual effective rate. Because We bear the investment experience of the 
assets backing the Total Control Account, We may receive a profit from these    
assets. The Total Control Account is not insured by the FDIC or any other       
governmental agency.                                                            

THE ANNUITY PERIOD
--------------------------------------------------------------------------------
MATURITY DATE                                                                   

Under the Contract, You can receive regular income payments ("Annuity           
Payments"). You can choose the month and the year in which those payments begin 
("Maturity Date"). You can also choose among income plans (Annuity options).    
While the Annuitant is alive, You can change Your selection any time up to the  
Maturity Date. Annuity Payments will begin on the Maturity Date stated in the   
Certificate unless it has been fully surrendered or the proceeds have been paid 
to the Beneficiary before that date. Annuity Payments are a series of periodic  
payments (a) for life; (b) for life with either a minimum number of payments or 
a specific amount assured; (c) for the joint lifetime of the Annuitant and      
another person, and thereafter during the lifetime of the survivor; or (d) for  
a fixed period or fixed amount. We may require proof that the Annuitant is      
alive before Annuity Payments are made.                                         

You may choose to annuitize at any time after You purchase the Contract.        
Certain Annuity options taken at the Maturity Date may be used to meet the      
required minimum distribution requirements of federal tax law, or a program of  
partial surrenders may be used instead. These mandatory distribution            
requirements take effect generally upon the death of the Contract Owner, or     
with Qualified Contracts upon either the later of the Contract Owner's          
attainment of age 70 1/2 or year of retirement; or the death of the Contract    
Owner. You should seek independent tax advice regarding the election of         
required minimum distributions.                                                 

If the Contract has no Maturity Date specified, the automatic Maturity Date for 
each Certificate will be the greater of when the Annuitant reaches age 90 or    
ten years after the Certificate Date. Additionally, to the extent permitted by  
law, at least 30 days before the original Maturity Date, You may change the     
Maturity Date by Written Request up to any time prior to the Annuitant's 90th   
birthday, or ten years after the Certificate Date, or if We agree, to a later   
date not to exceed the Annuitant's 95th birthday, subject to laws and           
regulations then in effect and Our approval. Individuals taking required        
minimum distributions are allowed to go beyond the maximum Maturity Date.       

PLEASE BE AWARE THAT ONCE YOUR CONTRACT IS ANNUITIZED, YOU ARE INELIGIBLE TO    
RECEIVE THE DEATH BENEFIT.                                                      

ALLOCATION OF ANNUITY                                                           

You may elect to receive Your Annuity Payments in the form of a Variable        
Annuity, a Fixed Annuity, or a combination of both. If, at the time Annuity     
Payments begin, You have not made an election, We will apply Your Contract      
Value to provide an Annuity funded by the same Divisions and/or the Fixed       
Account as You have selected during the Accumulation Period. At least 30 days   
before the Maturity Date, You may transfer the Contract Value among the         
Divisions and the Fixed Account in order to change the basis on which We will   
determine Annuity Payments. (See "Transfers.")                                  

VARIABLE ANNUITY                                                                

You may choose an Annuity payout that fluctuates depending on the investment    
experience of the Divisions. We determine the number of Annuity Units credited  
to the Contract by dividing the first monthly Annuity Payment attributable to   
each Division by the corresponding Accumulation Unit value as of 14 days before 
the date Annuity Payments begin. We use an Annuity Unit to measure the dollar   
value of an Annuity Payment. The number of Annuity Units (but not their value)  
remains fixed during the Annuity Period.                                        

DETERMINATION OF FIRST ANNUITY PAYMENT. Your Contract contains the tables We    
use to determine Your first monthly Annuity Payment. If You elect a Variable    
Annuity, the amount We apply to it will be the Contract Value as of 14 days     
before the date Annuity Payments begin, less any applicable Premium Taxes not   
previously deducted.                                                            

The amount of Your first monthly payment depends on the Annuity option You      
elected and the Annuitant's adjusted age. Your Contract contains the formula    
for determining the adjusted age. We determine the total first monthly Annuity  
Payment by multiplying the benefit per $1,000 of value shown in the Contract    
tables (or, if they would produce a larger payment, the tables then in effect   
on the Maturity Date) by the number of thousands of dollars of Contract Value   
You apply to that Annuity option. The Contract tables factor in an assumed      
daily net investment factor of 3.0%. We call                                    

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this Your Net Investment Rate. Your Net Investment Rate of 3.0% corresponds to  
an annual interest rate of 3.0%. This means that if the annualized investment   
performance, after expenses, of Your Divisions is less than 3.0%, then the      
dollar amount of Your Variable Annuity Payments will decrease. However, if the  
annualized investment performance, after expenses, of Your Divisions is greater 
than 3.0%, then the dollar amount of Your Variable Annuity Payments will        
increase.                                                                       

DETERMINATION OF SECOND AND SUBSEQUENT ANNUITY PAYMENTS. The dollar amount of   
all subsequent Annuity Payments changes from month to month based on the        
investment experience, as described above, of the applicable Divisions. The     
total amount of each Annuity Payment will equal the sum of the basic payments   
in each Division. We determine the actual amounts of these payments by          
multiplying the number of Annuity Units We credited to each Division by the     
corresponding Annuity Unit Value as of the date 14 days before the date the     
payment is due.                                                                 

FIXED ANNUITY                                                                   

You may choose a Fixed Annuity that provides payments that do not vary during   
the Annuity Period. We will calculate the dollar amount of the first Fixed      
Annuity Payment (as described under "Variable Annuity,") except that the amount 
We apply to begin the Annuity will be Your Contract Value as of the date        
Annuity Payments begin. Payout rates will not be lower than those shown in the  
Contract. If it would produce a larger payment, the first Fixed Annuity Payment 
will be determined using the Life Annuity Tables in effect for the same class   
of Contract Owners on the Maturity Date.                                        

ELECTION OF OPTIONS                                                             

Any amount distributed from the Contract may be applied to any one of the       
Annuity options described below. The minimum amount that can be placed under an 
Annuity option is $2,000 unless We consent to a lesser amount. If any periodic  
payments due are less than $100, We reserve the right to make payments at less  
frequent intervals.                                                             

Election of any of these options must be made by Written Request to Our Home    
Office at least 30 days prior to the date such election is to become effective. 
The form of such Annuity option shall be determined by the Contract Owner. The  
following information must be provided with any such request:                   

(a)        the Participant's name, address, date of birth, social security
number;                                             

(b)        the amount to be distributed;                                  

(c)        the Annuity option which is to be purchased;                   

(d)        the date the Annuity option payments are to begin;             

 (e)        if the form of the Annuity provides a death benefit in the event
             of the Participant's death, the name, relationship and address of
the Beneficiary as designated by You; and           

(f)        any other data that We may require.                            

The Beneficiary, as specified in item (e) above, may be changed by You or the   
Annuitant as long as We are notified by Written Request while the Annuitant is  
alive and before payments have begun. If the Beneficiary designation is         
irrevocable, such designation cannot be changed or revoked without the consent  
of the Beneficiary. After We receive the Written Request and the written        
consent of the Beneficiary (if required), the new Beneficiary designation will  
take effect as of the date the notice is signed. We have no further             
responsibility for any payment We made before the Written Request.              

RETIRED LIFE CERTIFICATE                                                        

We will issue to each person to whom Annuity benefits are being paid under the  
Contract a Certificate setting forth a statement in substance of the benefits   
to which such person is entitled under the Contract.                            

ALLOCATION OF CONTRACT VALUE DURING THE ANNUITY PERIOD                          

At the time an Annuity option is elected, You also may elect to have the        
Participant's Contract Value applied to provide a Variable Annuity, a Fixed     
Annuity, or a combination of both. If no election is made to the contrary, the  
Contract Value will provide an Annuity, which varies with the investment        
experience of the corresponding Division(s) at the time of election. You, or    
the Participant, if You so authorize, may elect to transfer Contract Values     
from the Fixed Account and/or to one Division to another, as described in       
"Transfers" in order to reallocate the basis on which Annuity Payments will be  
determined. Once Annuity Payments have begun, no further transfers are allowed. 

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ANNUITY OPTIONS                                                                 

Under a qualified retirement Plan, the Annuitant's sex will not be taken into   
account in calculating Annuity Payments. Annuity rates will not be less than    
the rates guaranteed by the Contract at the time of purchase for the Net        
Investment Rate and Annuity option elected. Due to underwriting, administrative 
or Code considerations, the choice of percentage reduction and/or the duration  
of the guarantee period may be limited.                                         

Your income payment amount will depend upon Your choices. For lifetime options, 
the age of the Annuitant will also be considered. For example,Annuity options   
that guarantee payments for two lifetimes (joint and last survivor) will result 
in smaller payments than Annuity options with payments for only one lifetime.   
Annuity options that guarantee that payments will be made for a certain number  
of years regardless of whether the Annuitant or joint Annuitant is alive (such  
as Option 2, as defined below) result in payments that are smaller than with    
Annuity options without such a guarantee (such as Option 1, Option 4 or Option  
5, as defined below). In addition, to the extent the Annuity option has a       
guarantee period, choosing a shorter guarantee period will result in each       
payment being larger. Generally, if more than one frequency is permitted under  
Your Contract, choosing less frequent payments will result in each Annuity      
payment being larger.                                                           

Option 1 -- Life Annuity/No Refund. A life Annuity is an Annuity payable during 
the lifetime of the Annuitant and terminating with the last monthly payment     
preceding the death of the Annuitant.                                           

Option 2 -- Life Annuity With 120, 180 or 240 Monthly Payments Assured. An      
Annuity payable monthly during the lifetime of an Annuitant with the provision  
that if, at the death of the Annuitant, payments have been made for less than   
120,180 or 240 months, as elected, then We will continue to make payments to    
the designated Beneficiary during the remainder of the period.                  

Option 3 -- Life Annuity -- Cash Refund. We will make monthly Annuity Payments  
during the lifetime of the Annuitant, ceasing with the last payment due prior   
to the death of the Annuitant, provided that, at the death of the Annuitant,    
the Beneficiary will receive an additional payment equal to the dollar value,   
if any, of (a) minus (b) where, for a Variable Annuity:                         

(a)        is the total amount applied under the option divided by the    
            Annuity Unit Value on the due date of the first Annuity Payment;
and                                                 

(b)        is                                                             

(1) the number of Annuity Units represented by each payment; times    

(2) the number of payments made;                                      

and for a Fixed Annuity:                                                        

(a)        is the Contract Value applied on the Maturity Date under this  
option; and                                         

(b)        is the dollar amount of Annuity Payments already paid.         

Option 4 -- Joint and Last Survivor Life Annuity. Monthly Annuity Payments      
based upon the joint lifetime of two persons selected: payments made first to   
the Annuitant, and upon his/her death, paid to the survivor. No more payments   
will be made after the death of the survivor.                                   

Option 5 -- Joint and Last Survivor Annuity -- Annuity Reduced on Death of      
Primary Payee. Monthly Annuity Payments to the Annuitant during the joint       
lifetime of the two persons selected. One of the two persons will be designated 
as the primary payee. The other will be designated as the secondary payee. On   
the death of the secondary payee, if survived by the primary payee, We will     
continue to make monthly Annuity Payments to the primary payee in the same      
amount that would have been payable during the joint lifetime of the two        
persons.                                                                        

On the death of the primary payee, if survived by the secondary payee, We will  
continue to make monthly Annuity Payments to the secondary payee in an amount   
equal to 50% of the payments, which would have been made during the lifetime of 
the primary payee. No further payments will be made following the death of the  
survivor.                                                                       

Option 6 -- Payments for a Fixed Period of 120, 180, or 240 Months without Life 
Contingency. We will make monthly payments for the period selected. If at the   
death of the Annuitant, payments have been made for less than 120, 180, or 240  
months, as elected, We will continue to make payments to the designated         
Beneficiary during the remainder of the period. Please note that Option 6 may   
not satisfy the required minimum distribution rules for Qualified Contracts.    
Consult a tax adviser before electing this option.                              

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Option 7 -- Other Annuity Options. We will make other arrangements for Annuity  
Payments as may be mutually agreed upon by You and Us.                          

VARIABLE LIQUIDITY BENEFIT                                                      

This benefit is only offered with the Variable Annuity option "Payments for a   
Fixed Period of 120, 180 or 240 Months without Life Contingency."               

At any time after annuitization and before death, the Contract Owner may        
surrender and receive a payment equal to (A) minus (B), where (A) equals the    
present value of remaining certain payments, and (B) equals a withdrawal charge 
not to exceed the maximum withdrawal charge rate shown on the specifications    
page of the Contract multiplied by (A). The interest rate used to calculate the 
present value is a rate 1% higher than the assumed (daily) net investment       
factor used to calculate the Annuity Payments. The remaining period certain     
payments are assumed to be level payments equal to the most recent period       
certain payment prior to the request for this liquidity benefit. A withdrawal   
charge is not imposed if the surrender is made after the expiration of the      
withdrawal charge period shown on the specifications page of the Contract.      

MISCELLANEOUS CONTRACT PROVISIONS 
--------------------------------------------------------------------------------
RIGHT TO RETURN                                                                 

For allocated Contracts in use with deferred compensation Plans, tax-deferred   
Annuity Plans, and combined qualified Plans/tax deferred Annuity Plans, You may 
return the Contract for a full refund of the Contract Value plus any Contract   
charges and Premium Taxes You paid (but not any fees and charges the Underlying 
Fund assessed) within ten days after You receive it (the "right to return       
period"). Upon exercise of the right to return, We refund all of Your Purchase  
Payments allocated to the Fixed Account.                                        

TERMINATION OF ALLOCATED CONTRACTS                                              

For purposes of the following discussion, "You" and "Your" refer to the group   
Contract Owner.                                                                 

Under the allocated Contracts, if the Contract Value in a Participant's         
Individual Account is less than the termination amount as stated in Your        
Contract, We reserve the right to terminate that account and move the Contract  
Value of that Participant's Individual Account to Your Account.                 

Any Contract Value to which a terminating Participant is not entitled under the 
Plan will be moved to Your Account at Your direction.                           

However, if You are the Participant and the Plan determines to terminate the    
Contract at a time when You (the Participant) have a guaranteed amount under    
any death benefit that is greater than the Contract Value, You (the             
Participant) forfeit any guaranteed amount You (the Participant) have accrued   
under the death benefit upon termination of the Contract.                       

If the Contract is discontinued because of Plan Termination and the Plan        
certifies to Us that the Plan Termination is the result of the dissolution or   
liquidation of the employer under US Code Title 11 procedures, the Cash         
Surrender Value may be distributed directly to the employees entitled to share  
in such distributions in accordance with the Plan relating to Plan Termination. 
Distribution may be in the form of cash payments, Annuity options, or deferred  
annuities. For all 403(b) non- ERISA Plans You must provide notice to and       
receive consent from all Contract Owners under this Contract for this           
distribution. If consent is not obtained and if the Contract has been issued to 
a non-ERISA 403(b) Plan, We will not accept any additional Purchase Payments    
under the Contract or issue new Certificates, but Certificates under the        
Contract, including any Fixed Account Contract rider, will continue.            

If the Plan is terminated or the Contract is discontinued by You for any other  
reason, then upon discontinuance of the Contract the following rules apply.     

On the date We receive Your Written Request to discontinue the Contract, or We  
receive notice that is satisfactory to Us of Plan Termination, We will:         

(a)        accept no further payments for this Contract or Certificate;   

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(b)        pay You, or the Participant, if so authorized, the Cash        
       Surrender Value of the Underlying Funds of the Contract and
Certificates; and                                   

 (c)        pay You, or the Participant, if so authorized, any Fixed Account
             values of the Contract and Certificate, as described in the Fixed
Account Rider, if applicable.                       

We reserve the right to discontinue this Contract if:                           

(a)        the Contract Value of the Contract is less than the termination
amount; or                                          

(b)        We determine that the Plan or administration of the Plan is not
in conformity with applicable law.                  

Within 31 days after We notify You in writing of Our intent to discontinue the  
Contract, We will:                                                              

 (a)        accept no further payments for this Contract or Certificates (If
           the Contract has been issued to a non-ERISA 403(b), We will not
         accept any additional Purchase Payments under the Contract or
        issue new Certificates, but Certificates under the Contract,
        including any Fixed Account Contract rider, will continue.);

(b)        pay You, or the Participant, if so authorized, the Contract    
Value of the Contract and Certificates; and         

 (c)        pay You, or the Participant, if so authorized, any Fixed Account
           Contract Value of the Contract and Certificates, if applicable.

For allocated Contracts, We will pay the Contract Value to the Participant, or  
the Contract Owner, if We terminate the Certificate and/or the Contract if the  
Contract Value is below the termination amount.                                 

If this Contract is discontinued, We will distribute the values as applicable   
under the terms described above to You, or the Participants if so authorized,   
at the most current address available on Our records. Discontinuance of this    
Contract will not affect payments We are making under any Annuity options which 
began before the date of discontinuance.                                        

CONTRACT EXCHANGES                                                              

(a)        You may transfer all or any part of Your Account's Cash        
           Surrender Value from any Division to any contract not issued by
       Us. Such transfers may be subject to a surrender charge, as
             described in the Contract. If authorized by the Contract Owner, a
      Participant may transfer all or any part of the Individual
          Account's Cash Surrender Value from one Division and the Fixed
Account to any contract not issued by Us.           

(b)        Under specific conditions, We may allow You to transfer to this
        Contract funds held by You in another group Annuity contract
             issued by Us or to transfer amounts from this Contract to another
            contract issued by Us without applying a surrender charge to the
         funds being transferred. Once the transfer is complete and We
        have established an account for You at Your direction, a new
         surrender charge may apply, as described in the new Contract.

SUSPENSION OF PAYMENTS                                                          

The Company reserves the right to suspend or postpone the date of any payment   
or determination of values on any business day (1) when the NYSE is closed; (2) 
when trading on the NYSE is restricted; (3) when an emergency exists, as        
determined by the SEC, so that the sale of securities held in the Separate      
Account may not reasonably occur, or so that the Company may not reasonably     
determine the value of the Separate Account's net assets; or (4) during any     
other period when the SEC, by order, so permits for the protection of security  
holders. At any time, payments from the Fixed Account may be delayed up to six  
months.                                                                         

MISSTATEMENT                                                                    

We may require proof of age of the Owner, Beneficiary or Annuitant before       
making any payments under this Contract that are measured by the Owner's,       
Beneficiary's or Annuitant's life. If the age of the measuring life has been    
misstated, the amount payable will be the amount that would have been provided  
at the correct age.                                                             

Once Annuity Payments have begun, any overpayments or underpayments will be     
deducted from or added to the payment or payments made after the adjustment. We 
are required to pay interest on any underpayments.                              

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FUNDING OPTIONS                                                                 

The Company reserves the right, subject to compliance with the law, to          
substitute investment alternatives under the Contract and/or offer additional   
Underlying Funds. Certain variable annuity separate accounts and variable life  
insurance separate accounts may invest in the Underlying Funds simultaneously   
(called "mixed" and "shared" funding). It is conceivable that in the future it  
may be disadvantageous to do so. Although the Company and the Underlying Funds  
do not currently foresee any such disadvantages either to variable annuity      
contract owners or variable life policy owners, each Underlying Funds' Board of 
Directors intends to monitor events in order to identify any material conflicts 
between them and to determine what action, if any, should be taken. If a Board  
of Directors was to conclude that separate funds should be established for      
variable life and Variable Annuity separate accounts, the variable annuity      
contract owners would not bear any of the related expenses, but variable        
annuity contract owners and variable life insurance policy owners would no      
longer have the economies of scale resulting from a larger combined fund.       

CYBERSECURITY RISKS                                                             

Our variable annuity contract business is largely conducted through digital     
communications and data storage networks and systems operated by us and our     
service providers or other business partners (e.g., the Underlying Funds and    
the firms involved in the distribution and sale of our variable annuity         
contracts). For example, many routine operations, such as processing Owners'    
requests and elections and day-to-day record keeping, are all executed through  
computer networks and systems. We have established administrative and technical 
controls and a business continuity plan to protect our operations against       
cybersecurity breaches. Despite these protocols, a cybersecurity breach could   
have a material, negative impact on MetLife and the Separate Account, as well   
as Contract Owners and their Contracts. Our operations also could be negatively 
affected by a cybersecurity breach at a third party, such as a governmental or  
regulatory authority or another participant in the financial markets.           
Cybersecurity breaches can be intentional or unintentional events, and can      
occur through unauthorized access to computer systems, networks or devices;     
infection from computer viruses or other malicious software code; or attacks    
that shut down, disable, slow or otherwise disrupt operations, business         
processes or website access or functionality. Cybersecurity breaches can        
interfere with our processing of contract transactions, including the           
processing of transfer orders from our website or with the Portfolios; impact   
our ability to calculate Accumulation Unit Values; cause the release and        
possible destruction of confidential Contract Owner or business information; or 
impede order processing or cause other operational issues. Although we          
continually make efforts to identify and reduce our exposure to cybersecurity   
risk, there is no guarantee that we will be able to successfully manage this    
risk at all times.                                                              

THE SEPARATE ACCOUNT
--------------------------------------------------------------------------------
The Company issues the Contract under Metropolitan Life Separate Account E. The 
Separate Account was established on September 27, 1983 and is registered with   
the SEC as a unit investment trust under the 1940 Act.                          

We hold the assets of the Separate Account for the exclusive benefit of the     
owners of the Separate Account, according to the laws of New York. Income,      
gains and losses, whether or not realized, from assets allocated to the         
Separate Account are, in accordance with the Contracts, credited to or charged  
against the Separate Account without regard to other income, gains and losses   
of the Company. The assets held by the Separate Account are not chargeable with 
liabilities arising out of any other business that We may conduct.              

All investment income and other distributions of the Divisions are payable to   
the Separate Account. We reinvest all such income and/or distributions in       
shares of the respective Division at net asset value. Shares of the Divisions   
are currently sold only to life insurance company separate accounts to fund     
variable annuity and variable life insurance contracts or to qualified pension  
or retirement Plans as permitted under the Code, and the regulations            
thereunder.                                                                     

We reserve the right to transfer the assets of the Separate Account to another  
separate account, and to modify the structure or operation of the Separate      
Account, subject to necessary regulatory approvals. If We do so, We will notify 
you of any such changes and We guarantee that the modification will not affect  
Your Contract Value.                                                            

Obligations under the Contract are obligations of the Company. Any obligations  
that exceed the assets in the Separate Account are payable by the Company's     
general account. The amount of the guaranteed death benefit and Annuity         
Payments that exceeds the Contract Value is paid from the Company's general     
account. Benefit amounts paid from the general account are subject to the       
financial strength and claims paying ability of the Company and Our long term   

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ability to make such payments and are not guaranteed by Our parent company,     
MetLife, Inc., or by any other party. We issue other Annuity contracts and life 
insurance policies where We pay all money We owe under those contracts and      
policies from Our general account. We are regulated as an insurance company     
under state law, which includes, generally, limits on the amount and type of    
investments in its general account. However, there is no guarantee that We will 
be able to meet Our claims paying obligations; there are risks to purchasing    
any insurance product.                                                          

PERFORMANCE INFORMATION                                                         

In advertisements for the Contract, We may include performance figures to show  
You how a Division has performed in the past. These figures are rates of return 
or yield quotations shown as a percent. These figures show past performance of  
a Division and are not an indication of how a Division will perform in the      
future.                                                                         

Performance figures for each Division are based in part on the performance of a 
corresponding Underlying Fund. In some cases, the Underlying Fund may have      
existed before the technical inception of the corresponding Division. In those  
cases, We can create "hypothetical historical performance" of a Division. These 
figures show the performance that the Division would have achieved had it been  
available during the entire history of the Underlying Fund.                     

In a low interest rate environment, yields for fixed income Divisions, after    
deduction of the Mortality and Expense Risk Charge, Administrative Charge and   
the charge for any optional benefit riders (if applicable), may be negative     
even though the Underlying Fund's yield, before deducting for such charges, is  
positive. If You allocate a portion of Your Contract Value to a fixed income    
Division or participate in an asset allocation program where Contract Value is  
allocated to a fixed income Division under the applicable asset allocation      
model, that portion of Your Contract Value may decrease in value.               

FEDERAL TAX CONSIDERATIONS
--------------------------------------------------------------------------------
INTRODUCTION                                                                    

The following information on taxes is a general discussion of the subject. It   
is not intended as tax advice. The Code and the provisions of the Code that     
govern the Contract are complex and subject to change. The applicability of     
Federal income tax rules may vary with your particular circumstances. This      
discussion does not include all the Federal income tax rules that may affect    
You and your Contract. Nor does this discussion address other Federal tax       
consequences (such as estate and gift taxes, sales to foreign individuals or    
entities), or state or local tax consequences, which may affect your investment 
in the Contract. As a result, You should always consult a tax adviser for       
complete information and advice applicable to your individual situation.        

We are not responsible for determining if your employer's plan or arrangement   
satisfies the requirements of the Code and/or ERISA.                            

We do not expect to incur Federal, state or local income taxes on the earnings  
or realized capital gains attributable to the Separate Account. However, if we  
do incur such taxes in the future, we reserve the right to charge amounts       
allocated to the Separate Account for these taxes.                              

To the extent permitted under Federal tax law, we may claim the benefit of the  
corporate dividends received deduction and of certain foreign tax credits       
attributable to taxes paid by certain of the Portfolios to foreign              
jurisdictions.                                                                  

Any Code reference to "spouse" includes those persons who enter into lawful     
marriages under state law, regardless of sex.                                   

QUALIFIED ANNUITY CONTRACTS                                                     

INTRODUCTION                                                                    

The Contract may be purchased through certain types of retirement plans that    
receive favorable treatment under the Code ("tax qualified plans").             
Tax-qualified plans include arrangements described in Code Sections 401(a),     
401(k), 403(a), 403(b) or tax sheltered annuities ("TSA"), 408 or "IRAs"        
(including SEP and SIMPLE IRAs), 408A or "Roth IRAs" or 457 (b) or 457(b)       
governmental plans. Extensive special tax rules apply to qualified plans and to 
the annuity Contracts used in connection with these plans. Therefore, the       
following discussion provides only general information                          

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about the use of the Contract with the various types of qualified plans.        
Adverse tax consequences may result if You do not ensure that contributions,    
distributions and other transactions with respect to the Contract comply with   
the law.                                                                        

The rights to any benefit under the plan will be subject to the terms and       
conditions of the plan itself as well as the terms and conditions of the        
Contract.                                                                       

We exercise no control over whether a particular retirement plan or a           
particular contribution to the plan satisfies the applicable requirements of    
the Code, or whether a particular individual is entitled to participate or      
benefit under a plan.                                                           

All qualified plans and arrangements receive tax deferral under the Code. Since 
there are no additional tax benefits in funding such retirement arrangements    
with an annuity, there should be reasons other than tax deferral for acquiring  
the annuity within the plan. Such non-tax benefits may include additional       
insurance benefits, such as the availability of a guaranteed income for life.   

A Contract may also be available in connection with an employer's non-qualified 
deferred compensation plan or qualified governmental excess benefit arrangement 
to provide benefits to certain employees in the plan. The tax rules regarding   
these plans are complex; please consult your tax adviser about your particular  
situation.                                                                      

ACCUMULATION                                                                    

The tax rules applicable to qualified plans vary according to the type of plan  
and the terms and conditions of the plan itself. Both the amount of the         
contribution that may be made and the tax deduction or exclusion that You may   
claim for that contribution under qualified plans are limited under the Code.   
See the SAI for a description of qualified plan types and annual current        
contribution limitations which are subject to change from year-to-year.         

Purchase payments or contributions to IRAs or tax qualified retirement plans of 
an employer may be taken from current income on a before tax basis or after tax 
basis. Purchase payments made on a "before tax" basis entitle You to a tax      
deduction or are not subject to current income tax. Purchase payments made on   
an "after tax" basis do not reduce your taxable income or give You a tax        
deduction. Contributions may also consist of transfers or rollovers as          
described below and are not subject to the annual limitations on contributions. 

The Contract will accept as a single purchase payment a transfer or rollover    
from another IRA or rollover from an eligible retirement plan of an employer    
(i.e., 401(a), 401(k), 403(a), 403(b) or governmental 457(b) plan.) It will     
also accept a rollover or transfer from a SIMPLE IRA after the taxpayer has     
participated in such arrangement for at least two years. As part of the single  
purchase payment, the IRA Contract will also accept an IRA contribution subject 
to the Code limits for the year of purchase.                                    

For income annuities established in accordance with a distribution option under 
a retirement plan of an employer (e.g., 401(a), 401(k), 403(a), 403(b) or       
457(b) plan), the Contract will only accept as its single purchase payment a    
transfer from such employer retirement plan.                                    

TAXATION OF ANNUITY DISTRIBUTIONS                                               

If contributions are made on a "before tax" basis, You generally pay income     
taxes on the full amount of money You receive under the Contract. Withdrawals   
attributable to any after-tax contributions are basis in the Contract and not   
subject to income tax (except for the portion of the withdrawal allocable to    
earnings, if any).                                                              

Under current federal income tax rules, the taxable portion of distributions    
under annuity contracts and qualified plans (including IRAs) is not eligible    
for the reduced tax rate applicable to long-term capital gains and qualifying   
dividends.                                                                      

If You meet certain requirements, your Roth IRA, Roth 403(b) and Roth 401(k)    
earnings can be received free of Federal income taxes.                          

With respect to IRA Contracts, we will withhold a portion of the taxable amount 
of your withdrawal for income taxes, unless You elect otherwise. The amount we  
will withhold is determined by the Code.                                        

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WITHDRAWALS PRIOR TO AGE 59 1/2                                                 

A taxable withdrawal from a qualified plan which is subject to income tax may   
also be subject to a 10% federal income tax penalty for "early" distribution if 
taken prior to age 59 1/2, unless an exception described below applies.         

These exceptions include withdrawals made:                                      

(a)        on account of your death or disability, or                     

(b)        as part of a series of substantially equal periodic payments   
         payable for your life (or life expectancy) or joint lives (or
           joint life expectancies) of You and your designated beneficiary
and You are separated from employment.              

If You receive systematic payments that You intend to qualify for the           
"substantially equal periodic payments" exception noted above, any              
modifications (except due to death or disability) to your payment before age    
59 1/2 or within five years after beginning these payments, whichever is later, 
will result in the retroactive imposition of the 10% federal income tax penalty 
with interest. Such modifications may include but are not limited to additional 
purchase payments to the Contract (including tax-free transfers or rollovers)   
and additional withdrawals from the Contract.                                   

The 10% Federal income tax penalty on early distribution does not apply to      
governmental 457(b) plan contracts. However, it does apply to distributions     
from 457(b) plans of employers which are state or local governments to the      
extent that the distribution is attributable to rollovers accepted from other   
types of eligible retirement plans.                                             

A withdrawal or distribution from a qualified annuity Contract other than an    
IRA (including SEPs and SIMPLEs) will avoid the penalty if: (1) the             
distribution is on separation from employment after age 55; (2) the             
distribution is made pursuant to a qualified domestic relations order ("QDRO"); 
(3) the distribution is to pay deductible medical expenses; or (4) if the       
distribution is to pay IRS levies (and made after December 31, 1999).           

The 10% Federal income tax penalty on early distribution does not apply to      
governmental 457(b) plan contracts. However, it does apply to distributions     
from 457(b) plans of employers which are state or local governments to the      
extent that the distribution is attributable to rollovers accepted from other   
types of eligible retirement plans.                                             

In addition to death, disability and as part of a series of substantially equal 
periodic payments as indicated above, a withdrawal or distribution from an IRA  
(including SEPs and SIMPLEs and Roth IRAs) will avoid the penalty (1) if the    
distribution is to pay deductible medical expenses; (2) if the distribution is  
to pay IRS levies (and made after December 31, 1999); (3) if the distribution   
is used to pay for medical insurance (if You are unemployed), qualified higher  
education expenses, or for a qualified first time home purchase up to $10,000.  
Other exceptions may be applicable under certain circumstances and special      
rules apply or may become applicable in connection with the exceptions          
enumerated above.                                                               

ROLLOVERS                                                                       

Your Contract is non-forfeitable (i.e., not subject to the claims of your       
creditors) and non-transferable (i.e., You may not transfer it to someone       
else).                                                                          

Nevertheless, Contracts held in certain employer plans subject to ERISA may be  
transferred in part pursuant to a QDRO.                                         

Under certain circumstances, You may be able to transfer amounts distributed    
from your Contract to another eligible retirement plan or IRA. For 457(b) plans 
maintained by non-governmental employers, if certain conditions are met,        
amounts may be transferred into another 457(b) plan maintained by a             
non-governmental employer.                                                      

Generally, a distribution may be eligible for rollover but certain types of     
distributions cannot be rolled over, such as distributions received on account  
of:                                                                             

(a)        minimum distribution requirements,                             

(b)        financial hardship, or                                         

(c)        for a period of ten or more years or for life.                 

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20% WITHHOLDING ON ELIGIBLE ROLLOVER DISTRIBUTIONS                              

For certain qualified employer plans, we are required to withhold 20% of the    
taxable portion of your withdrawal that constitutes an "eligible rollover       
distribution" for federal income taxes. The amount we withhold is determined by 
the Code. You may avoid withholding if You directly transfer a withdrawal from  
this Contract to another qualified plan or IRA. Similarly, You may be able to   
avoid withholding on a transfer into this Contract from an existing qualified   
plan You may have with another provider by arranging to have the transfer made  
directly to us. For taxable withdrawals that are not "eligible rollover         
distributions," the Code imposes different withholding rules to determine the   
withholding percentage.                                                         

DEATH BENEFITS                                                                  

The death benefit is taxable to the recipient in the same manner as if paid to  
the Contract Owner or Participant (under the rules for withdrawals or income    
payments, whichever is applicable).                                             

Distributions required from a qualified annuity Contract following your death   
depend on whether You die before You had converted the Contract to an annuity   
form and started taking annuity payments (your Annuity Starting Date).          

If You die on or after your Annuity Starting Date, the remaining portion of the 
interest in the Contract must be distributed at least as rapidly as under the   
method of distribution being used as of the date of death.                      

If You die before your Annuity Starting Date, the entire interest in the        
Contract must be distributed within five (5) years after the date of death, or  
as periodic payments over a period not extending beyond the life or life        
expectancy of the designated beneficiary (provided such payments begin within   
one year of your death).                                                        

Your designated beneficiary is the person to whom benefit rights under the      
Contract pass by reason of death; the beneficiary must be a natural person in   
order to elect a periodic payment option based on life expectancy or a period   
exceeding five years.                                                           

If the annuity is payable to (or for the benefit of) your surviving spouse,     
that portion of the Contract may be continued with your spouse as the Owner. If 
your Contract permits, your beneficiary spouse may delay the start of these     
payments until December 31 of the year in which You would have reached age      
70 1/2.                                                                         

Alternatively, your spouse may be able to rollover the death proceeds into      
another eligible retirement plan in which he or she participates, if permitted  
under the receiving plan, he or she may elect to rollover the death proceeds    
into his or her own IRA, or he or she may elect to transfer the death proceeds  
into an inherited IRA.                                                          

If your beneficiary is not your spouse and your plan and Contract permit, your  
beneficiary may be able to rollover the death proceeds via a direct             
trustee-to-trustee transfer into an inherited IRA. However, a non-spouse        
beneficiary may not treat the inherited IRA as his or her own IRA.              

Additionally, for Contracts issued in connection with qualified plans subject   
to ERISA, the spouse or ex-spouse of the Owner may have rights in the Contract. 
In such a case, the owner may need the consent of the spouse or ex-spouse to    
change annuity options or make a withdrawal from the Contract.                  

REQUIRED MINIMUM DISTRIBUTIONS                                                  

Generally, You must begin receiving amounts from your retirement plan by April  
1 following the latter of:                                                      

(a)        the calendar year in which You reach age 70 1/2, or            

(b)        the calendar year You retire, provided You do not own more than
    5% of the outstanding stock, capital, or profits of your
employer.                                           

For IRAs (including SEPs and SIMPLEs), You must begin receiving withdrawals by  
April 1 of the year after You reach age 70 1/2 even if You have not retired.    

Your required minimum distribution request must be in good order and payment    
must be processed by Us prior to the due date (generally the end of the         
calendar year, or April 1st of the year after You reach age 70 1/2) in order to 
satisfy the requirement for the applicable tax year.                            

A tax penalty of 50% applies to the shortfall of any required minimum           
distributions You fail to receive.                                              

You may not satisfy minimum distributions for one employer's qualified plan     
(i.e., 401(a), 403(a), 457(b)) with distributions from another qualified plan   
of the same or a different employer. However, an aggregation rule does apply    

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in the case of IRAs (including SEPs and SIMPLEs) or 403(b) plans. The required  
minimum distribution is calculated with respect to each IRA, but the aggregate  
distribution may be taken from any one or more of your IRAs/SEPs. Similarly,    
the amount of required minimum distribution is calculated separately with       
respect to each 403(b) arrangement, but the aggregate amount of the required    
distribution may be taken from any one or more of the your 403(b) plan          
contracts.                                                                      

Complex rules apply to the calculation of these withdrawals. In general, income 
tax regulations permit income payments to increase based not only with respect  
to the investment experience of the portfolios but also with respect to         
actuarial gains.                                                                

The regulations also require that the value of benefits under a deferred        
annuity including certain death benefits in excess of Contract Value must be    
added to the amount credited to your account in computing the amount required   
to be distributed over the applicable period. We will provide You with          
additional information regarding the amount that is subject to minimum          
distribution under this rule. You should consult your own tax adviser as to how 
these rules affect your own distribution under this rule.                       

If You intend to receive your minimum distributions which are payable over the  
joint lives of You and a beneficiary who is not your spouse (or over a period   
not exceeding the joint life expectancy of You and your non-spousal             
beneficiary), be advised that federal tax rules may require that payments be    
made over a shorter period or may require that payments to the beneficiary be   
reduced after your death to meet the minimum distribution incidental benefit    
rules and avoid the 50% excise tax. You should consult your own tax adviser as  
to how these rules affect your own Contract.                                    

Required minimum distribution rules that apply to other types of IRAs while You 
are alive do not apply to Roth IRAs. However, in general, the IRA post-death    
rules with respect to minimum distributions do apply to beneficiaries of Roth   
IRAs.                                                                           

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ADDITIONAL INFORMATION REGARDING TSA (ERISA AND NON-ERISA) 403(B)               

SPECIAL RULES REGARDING EXCHANGES                                               

In order to satisfy tax regulations, contract exchanges within a 403(b) plan    
after September 24, 2007, must, at a minimum, meet the following requirements:  
(1) the plan must allow the exchange; (2) the exchange must not result in a     
reduction in a Participant's or a Beneficiary's accumulated benefit: (3) the    
receiving contract includes distribution restrictions that are no less          
stringent than those imposed on the contract being exchanged; and (4) if the    
issuer receiving the exchanges is not part of the plan, the employer enters     
into an agreement with the issuer to provide information to enable the contract 
provider to comply with Code requirements. Such information would include       
details concerning severance from employment, hardship withdrawals, loans and   
tax basis. You should consult your tax or legal counsel for any advice relating 
to Contract exchanges or any other matter relating to these regulations.        

WITHDRAWALS                                                                     

If You are under age 59 1/2, You generally cannot withdraw money from your TSA  
Contract unless the withdrawal:                                                 

   1.  Related to purchase payments made prior to 1989 and pre-1989 earnings
on those purchase payments;                                                     

    2.  Is exchanged to another permissible investment under your 403(b) plan;

3.  Relates to contributions to an annuity contract that are not salary   
reduction elective deferrals, if your plan allows it;             

    4.  Occurs after You die, leave your job or become disabled (as defined by
the Code);                                                                      

5.  Is for financial hardship (but only to the extent of elective     
deferrals), if your plan allows it;                                             

6.  Relates to distributions attributable to certain TSA plan         
terminations, if the conditions of the Code are met;                            

7.  Relates to rollover or after-tax contributions; or                

   8.  Is for the purchase of permissive service credit under a governmental
defined benefit plan.                                                           

In addition, a Section 403(b) Contract is permitted to distribute retirement    
benefits attributable to pre-tax contributions other than elective deferrals to 
the participant no earlier than upon the earlier of the participant's severance 
from employment or upon the prior occurrence of some event, such as after a     
fixed number of years, the attainment of a stated age or disability.            

Other exceptions may apply or become applicable under certain circumstances and 
special rules may be applicable in connection with the exceptions enumerated    
above.                                                                          

DISTINCTION FOR PUERTO RICO CODE                                                

An annuity Contract may be purchased by an employer for an employee under a     
qualified pension, profit sharing, stock bonus, annuity, or a "cash or          
deferred" arrangement plan established pursuant to Section 1081.01 of the 2011  
PR Code. To be tax qualified under the 2011 PR Code, a plan must comply with    
the requirements of Section 1081.01(a) of the 2011 PR Code which includes       
certain participation requirements, among other requirements. A trust created   
to hold assets for a qualified plan is exempt from tax on its investment        
income.                                                                         

CONTRIBUTIONS                                                                   

The employer is entitled to a current income tax deduction for contributions    
made to a qualified plan, subject to statutory limitations on the amount that   
may be contributed each year. The plan contributions by the employer are not    
required to be included in the current income of the employee.                  

DISTRIBUTIONS                                                                   

Any amount received or made available to the employee under the qualified plan  
is includible in the gross income of the employee in the taxable year in which  
received or made available. In such case, the amount paid or contributed by the 
employer shall not constitute consideration paid by the employee for the        
Contract for purposes of determining the amount of annuity payments required to 
be included in the employee's gross income. Thus, amounts actually distributed  
or made available to any employee under the qualified plan will be included in  
their entirety in the employee's gross income. The value of accrued benefits in 
a qualified retirement plan with respect to which the special                   

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8% tax under Puerto Rico Act No. 77-2014 was prepaid will be considered as part 
of the participant's tax basis in his retirement plan account. Thus, any        
distributions attributable to the benefits for which such taxes were prepaid    
will not be subject to income taxes when the same are subsequently received by  
the participant. However, the investment income and the appreciation in value,  
if any, accrued on the benefits with respect to which the special tax was       
prepaid, will be taxed as provided by the tax rules in effect at the time of    
distribution. Lump-sum proceeds from a Puerto Rico qualified retirement plan    
due to separation from service will generally be taxed at a 20% capital gain    
tax rate to be withheld at the source. A special rate of 10% may apply instead, 
if the plan satisfies the following requirements:                               

 (1)   the plan's trust is organized under the laws of Puerto Rico, or has a
     Puerto Rico resident trustee and uses such trustee as paying agent;
and                                                           

(2)   10% of all plan's trust assets (calculated based on the average     
       balance of the investments of the trust) attributable to participants
        who are Puerto Rico residents must be invested in "property located in
Puerto Rico" for a three-year period.                         

If these two requirements are not satisfied, the distribution will generally be 
subject to the 20% tax rate. The three-year period includes the year of the     
distribution and the two immediately preceding years. In the case of a defined  
contribution plan that maintains separate accounts for each Participant, the    
described 10% investment requirement may be satisfied in the accounts of a      
Participant that chooses to invest in such fashion rather than at the trust     
level. Property located in Puerto Rico includes shares of stock of a Puerto     
Rico registered investment company, fixed or variable annuities issued by a     
domestic insurance company or by a foreign insurance corporation that derives   
more than 80% of its gross income from sources within Puerto Rico and bank      
deposits. The PR 2011 Code does not impose a penalty tax in cases of early      
(premature) distributions from a qualified plan.                                

You should consult with a personal tax adviser regarding the tax consequences   
of purchasing an annuity contract and/or any proposed distribution if You are a 
resident of Puerto Rico.                                                        

ROLLOVER                                                                        

Deferral of the recognition of income continues upon the receipt of a           
distribution by a Participant from a qualified plan, if the distribution is     
contributed to another qualified retirement plan or traditional individual      
retirement account for the employee's benefit no later than sixty (60) days     
after the distribution.                                                         

ERISA CONSIDERATIONS                                                            

In the context of a Puerto Rico qualified retirement plan trust, the IRS has    
held that the transfer of assets and liabilities from a qualified retirement    
plan trust under the Code to that type of plan would generally be treated as a  
distribution includible in gross income for U.S. income tax purposes even if    
the Puerto Rico retirement plan is a plan described in ERISA Section            
1022(i)(1). By contrast, a transfer from a qualified retirement plan trust      
under the Code to a Puerto Rico qualified retirement plan trust that has made   
an election under ERISA Section 1022(i)(2) is not treated as a distribution     
from the transferor plan for U.S. income tax purposes because a Puerto Rico     
retirement plan that has made an election under ERISA Section 1022(i)(2) is     
treated as a qualified retirement plan for purposes Code Section 401(a). The    
IRS has determined that the above described rules prescribing the inclusion in  
income of transfers of assets and liabilities to a Puerto Rico retirement plan  
trust described in ERISA Section 1022(i)(1) would be applicable to transfers    
taking effect after December 31, 2012. Notwithstanding the above, the IRS has   
recently held that a Puerto Rico retirement plan described in ERISA Section     
1022(i)(1) may participate in a 81-100 group trust because it permits said plan 
to diversify its investments without adverse tax consequences to the group      
trust or its investors.                                                         

Similar to the IRS in Revenue Ruling 2013-17, the U.S. Department of Labor      
issued DOL Technical Release No. 2013-04 on September 18, 2013 providing that,  
where the Secretary of Labor has authority to regulate with respect to the      
provisions of ERISA dealing with the use of the term "spouse" spouse will be    
read to refer to any individuals who are lawfully married under any state law,  
including same-sex spouses, and without regard to whether their state of        
domicile recognizes same-sex marriage. Thus, for ERISA purposes as well as      
federal tax purposes, an employee benefit plan participant who marries a person 
of the same sex in a jurisdiction that recognizes same-sex marriage will        
continue to be treated as married even if the couple moves to a jurisdiction    
that does not recognize same-sex marriage.                                      

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OTHER INFORMATION 
--------------------------------------------------------------------------------
THE INSURANCE COMPANY                                                           

Metropolitan Life Insurance Company is a provider of insurance, annuities,      
employee benefits and asset management. We are also one of the largest          
institutional investors in the United States with a $270.2 billion general      
account portfolio invested primarily in investment grade corporate bonds,       
structured finance securities, mortgage loans and U.S. Treasury and agency      
securities, as well as real estate and corporate equity, at December 31, 2017.  
The Company was incorporated under the laws of New York in 1868. The Company's  
office is located at 200 Park Avenue New York, New York 10166-0188. The Company 
is a wholly-owned subsidiary of MetLife, Inc.                                   

FINANCIAL STATEMENTS                                                            

The financial statements for the Company and for the Separate Account are       
located in the Statement of Additional Information.                             

DISTRIBUTION OF THE CONTRACTS                                                   

MetLife Investors Distribution Company ("MLIDC") is the principal underwriter   
and distributor of the securities offered through this Prospectus. MLIDC, which 
is our affiliate, also acts as the principal underwriter and distributor of     
some of the other variable annuity contracts and variable life insurance        
policies we and our affiliated companies issue. We reimburse MLIDC for expenses 
MLIDC incurs in distributing the Contracts (e.g., commissions payable to the    
retail broker-dealers who sell the Contracts.) MLIDC does not retain any fees   
under the Contracts.                                                            

MLIDC's principal executive offices are located at 200 Park Avenue, New York,   
New York 10166. MLIDC is registered as a broker-dealer with the SEC under the   
Securities Exchange Act of 1934 as amended (the "Exchange Act"), as well as the 
securities commissions in the states in which it operates, and is a member of   
the Financial Industry Regulatory Authority ("FINRA"). FINRA provides           
background information about broker-dealers and their registered                
representatives through FINRA BrokerCheck. You may contact the FINRA            
BrokerCheck Hotline at 1-800-289-9999, or log on to www.finra.org. An investor  
brochure that includes information describing FINRA BrokerCheck is available    
through the Hotline or on-line.                                                 

The Contracts are sold through unaffiliated broker-dealers, registered with the 
SEC as broker-dealers under the Exchange Act and members of FINRA. The          
Contracts may also be sold through the mail, the Internet or by telephone.      

There is no front-end sales load deducted from purchase payments to pay sales   
commissions. Distribution costs are recovered through the Separate Account      
charge under the Contracts. MLIDC pays compensation based upon a `gross dealer  
concession' model. With respect to the Contracts, the maximum gross dealer      
concession is 5% of each purchase payment. The gross dealer concession applies  
each year the Contract is in force and, starting in the second Contract Year,   
is a maximum of 1.00% of the Contract Value each year that the Contract is in   
force for servicing the Contract. Gross dealer concession may also be paid when 
the Contract is annuitized. The amount of this gross dealer concession credited 
upon an annuitization depends on several factors, including the number of years 
the Contract has been in force.                                                 

We may make payments to MLIDC that may be used for its operating and other      
expenses, including the following sales expenses: compensation and bonuses for  
MLIDC's management team, advertising expenses, and other expenses of            
distributing the Contracts. MLIDC's management team and registered              
representatives also may be eligible for non-cash compensation items that we    
may provide jointly with MLIDC. Non-cash items include conferences, seminars    
and trips (including travel, lodging and meals in connection therewith),        
entertainment, merchandise and other similar items. Broker-dealers pay their    
sales representatives all or a portion of the commissions received for their    
sales of the Contracts. Some firms may retain a portion of commissions. The     
amount that the broker-dealer passes on to its sales representatives is         
determined in accordance with its internal compensation programs. Those         
programs may also include other types of cash and non-cash compensation and     
other benefits. Sales representatives of these selling firms may also receive   
non-cash compensation pursuant to their firm's guidelines, directly from us or  
the distributor. We and our affiliates may also provide sales support in the    
form of training, sponsoring conferences, defraying expenses at vendor          
meetings, providing promotional literature and similar services. An             
unaffiliated broker-dealer or sales representatives of an unaffiliated          
broker-dealer may receive different compensation for selling one product over   
another and/or may be inclined to favor one product provider over another       
product provider due to differing                                               

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compensation rates. Ask your sales representative (where applicable) for further
information about what your sales representative (where applicable) and the     
broker-dealer for which he or she works may receive in connection with your     
purchase of a Contract.                                                         

From time to time, the Company pays organizations, associations and non-profit  
organizations fees to sponsor the Company's variable annuity contracts. We may  
also obtain access to an organization's members to market our variable annuity  
contracts. These organizations are compensated for their sponsorship of our     
variable annuity contracts in various ways. Primarily, they receive a flat fee  
from the Company. We also compensate these organizations by funding of their    
programs, scholarships, events or awards, such as a principal of the year       
award. We may also lease their office space or pay fees for display space at    
their events, purchase advertisements in their publications or reimburse or     
defray their expenses. In some cases, we hire organizations to perform          
administrative services for us for which they are paid a fee based upon a       
percentage of the Contract Values their members hold in the Contracts. We also  
may retain finders and consultants to introduce the Company to potential        
clients and for establishing and maintaining relationships between the Company  
and various organizations. The finders and consultants are primarily paid flat  
fees and may be reimbursed for their expenses. We or our affiliates may also    
pay duly licensed individuals associated with these organizations cash          
compensation for the sales of the Contracts.                                    

CONFORMITY WITH STATE AND FEDERAL LAWS                                          

The laws of the state of New York govern the Contract. Any paid-up Annuity,     
Cash Surrender Value or death benefits that are available under the Contract    
are not less than the minimum benefits required by the statutes of the state of 
New York. We reserve the right to make any changes, including retroactive       
changes, in the Contract to the extent that the change is required to meet the  
requirements of any law or regulation issued by any governmental agency to      
which the Company, the Contract or the Contract Owner is subject.               

VOTING RIGHTS                                                                   

The Company is the legal owner of the shares of the Underlying Funds. However,  
We believe that when an Underlying Fund solicits proxies in conjunction with a  
vote of shareholders We are required to obtain from You and from other owners   
instructions on how to vote those shares. We will vote all shares, including    
those We may own on Our own behalf, and those where We have not received        
instructions from Contract Owners, in the same proportion as shares for which   
We received voting instructions. The effect of this proportional voting is that 
a small number of Contract Owners may control the outcome of a vote. Should We  
determine that We are no longer required to comply with the above, We will vote 
on the shares in Our own right. In certain limited circumstances, and when      
permitted by law, We may disregard voting instructions. If We do disregard      
voting instructions, a summary of that action and the reasons for such action   
would be included in the next annual report to Contract Owners.                 

In accordance with Our view of present applicable law, We will vote shares of   
the Underlying Funds at regular and special meetings of the shareholders of the 
funds in accordance with instructions received from persons having a voting     
interest in the corresponding Divisions. We will vote shares for which We have  
not received instructions in the same proportion as We vote shares for which We 
have received instructions. However, if the 1940 Act or any regulation          
thereunder should be amended, or if the present interpretation thereof should   
change, and as a result We determine that We are permitted to vote shares of    
the Underlying Funds in Our own right, We may elect to do so.                   

The number of shares which a person has a right to vote will be determined as   
of the date concurrent with the date established by the respective mutual fund  
for determining shareholders eligible to vote at the meeting of the fund, and   
voting instructions will be solicited by written communication before the       
meeting in accordance with the procedures established by the mutual fund.       

Each person having a voting interest will receive periodic reports relating to  
the fund(s) in which he or she has an interest, proxy material and a form with  
which to give such instructions with respect to the proportion of the fund      
shares held in the Divisions corresponding to his or her interest.              

CONTRACT MODIFICATION                                                           

We reserve the right to modify the Contract to keep it qualified under all      
related law and regulations that are in effect during the term of this          
Contract. We will obtain the approval of any regulatory authority needed for    
the modifications.                                                              

THIRD PARTY REQUESTS                                                            

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Generally, we only accept requests for transactions or information from You. We 
reserve the right not to accept or to process transactions requested on Your    
behalf by third parties. This includes processing transactions by an agent You  
designate, through a power of attorney or other authorization, who has the      
ability to control the amount and timing of transfers for a number of other     
Contract Owners, and who simultaneously makes the same request or series of     
requests on behalf of other Contract Owners.                                    

POSTPONEMENT OF PAYMENT (THE "EMERGENCY PROCEDURE")                             

Payment of any benefit or determination of values may be postponed whenever:    
(1) the NYSE is closed; (2) when trading on the NYSE is restricted; (3) when an 
emergency exists as determined by the Commission so that disposal of the        
securities held in the Underlying Funds is not reasonably practicable or it is  
not reasonably practicable to determine the value of the Underlying Funds net   
assets; or (4) during any other period when the SEC, by order, so permits for   
the protection of Contract Owners. This Emergency Procedure will supersede any  
provision of the Contract that specifies a Valuation Date. At any time,         
payments from the Fixed Account may also be delayed.                            

RESTRICTIONS ON FINANCIAL TRANSACTIONS                                          

Federal laws designed to counter terrorism and prevent money laundering might,  
in certain circumstances, require Us to block a Contract Owner's ability to     
make certain transactions and thereby refuse to accept any request for          
transfers, withdrawals, surrenders, or death benefits, until instructions are   
received from the appropriate regulator. We may also be required to provide     
additional information about You and Your Contract to government regulators.    

LEGAL PROCEEDINGS                                                               

In the ordinary course of business, the Company, similar to other life          
insurance companies, is involved in lawsuits (including class action lawsuits), 
arbitrations and other legal proceedings. Also, from time to time, state and    
federal regulators or other officials conduct formal and informal examinations  
or undertake other actions dealing with various aspects of the financial        
services and insurance industries. In some legal proceedings involving          
insurers, substantial damages have been sought and/or material settlement       
payments have been made.                                                        

It is not possible to predict with certainty the ultimate outcome of any        
pending legal proceeding or regulatory action. However, the Company does not    
believe any such action or proceeding will have a material adverse effect upon  
the Separate Account or upon the ability of MLIDC to perform its contract with  
the Separate Account or of the Company to meet its obligations under the        
Contracts.                                                                      

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APPENDIX A
--------------------------------------------------------------------------------
CONDENSED FINANCIAL INFORMATION 

FOR METROPOLITAN LIFE SEPARATE ACCOUNT E
ACCUMULATION UNIT VALUES (IN DOLLARS) 

The following Accumulation Unit Value ("AUV") information should be read in     
conjunction with the Separate Account's audited financial statement and notes,  
which are included in the Statement of Additional Information ("SAI"). The      
first table provides the AUV information for the MINIMUM Separate Account       
Charge available under the contract. The second table provides the AUV          
information for the MAXIMUM Separate Account Charge available under the         
contract. Please refer to the Fee Table section of this prospectus for more     
information on Separate Account Charges.                                        

                                                        [Enlarge/Download Table]

                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30%                                     
                                                                                                UNIT VALUE AT           
                                                                                                 BEGINNING OF           
PORTFOLIO NAME                                                                           YEAR        YEAR               
--------------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                        
American Funds Insurance Series(R)                                                                                      
 American Funds Global Growth Subaccount (Class 2) (12/13)............................. 2017    4.995                   
                                                                                        2016    4.979                   
                                                                                        2015    4.670                   
                                                                                        2014    4.578                   
                                                                                        2013    4.364                   
 American Funds Growth Subaccount (Class 2) (12/13).................................... 2017   38.638                   
                                                                                        2016   35.396                   
                                                                                        2015   33.224                   
                                                                                        2014   30.710                   
                                                                                        2013   29.445                   
 American Funds Growth-Income Subaccount (Class 2) (12/13)............................. 2017   26.621                   
                                                                                        2016   23.943                   
                                                                                        2015   23.670                   
                                                                                        2014   21.459                   
                                                                                        2013   20.576                   
Brighthouse Funds Trust I                                                                                               
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)............................... 2017    3.707                   
                                                                                        2016    3.254                   
                                                                                        2015    3.390                   
                                                                                        2014    3.288                   
                                                                                        2013    3.263                   
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)................... 2017    1.950                   
                                                                                        2016    1.795                   
                                                                                        2015    1.837                   
                                                                                        2014    1.753                   
                                                                                        2013    1.680                   
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................ 2017    3.445                   
                                                                                        2016    2.632                   
                                                                                        2015    2.791                   
                                                                                        2014    2.752                   
                                                                                        2013    2.645                   
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)....... 2017    1.102                   
                                                                                        2016    0.989                   
                                                                                        2015    1.148                   
                                                                                        2014    1.228                   
                                                                                        2013    1.208                   
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).......... 2017    2.110                   
                                                                                        2016    1.955                   
                                                                                        2015    1.877                   
                                                                                        2014    1.657                   
                                                                                        2013    1.584                   
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)......................... 2017    2.158                   
                                                                                        2016    2.140                   
                                                                                        2015    2.173                   
                                                                                        2014    1.918                   
                                                                                        2013    1.859                   


                                                                                                         NUMBER OF UNITS
                                                                                         UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                            END OF YEAR      END OF YEAR  
--------------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                        
American Funds Insurance Series(R)                                                                                      
 American Funds Global Growth Subaccount (Class 2) (12/13).............................  6.547                 --       
                                                                                         4.995                 --       
                                                                                         4.979                 --       
                                                                                         4.670                 --       
                                                                                         4.578                 --       
 American Funds Growth Subaccount (Class 2) (12/13).................................... 49.421                 --       
                                                                                        38.638                 --       
                                                                                        35.396                 --       
                                                                                        33.224                 --       
                                                                                        30.710                 --       
 American Funds Growth-Income Subaccount (Class 2) (12/13)............................. 32.482                 --       
                                                                                        26.621                 --       
                                                                                        23.943                 --       
                                                                                        23.670                 --       
                                                                                        21.459                 --       
Brighthouse Funds Trust I                                                                                               
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)...............................  3.994                 --       
                                                                                         3.707                 --       
                                                                                         3.254                 --       
                                                                                         3.390                 --       
                                                                                         3.288                 --       
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)...................  2.390                 --       
                                                                                         1.950                 --       
                                                                                         1.795                 --       
                                                                                         1.837                 --       
                                                                                         1.753                 --       
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................  3.836                 --       
                                                                                         3.445                 --       
                                                                                         2.632                 --       
                                                                                         2.791                 --       
                                                                                         2.752                 --       
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......  1.413                 --       
                                                                                         1.102                 --       
                                                                                         0.989                 --       
                                                                                         1.148                 --       
                                                                                         1.228                 --       
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)..........  2.565                 --       
                                                                                         2.110                 --       
                                                                                         1.955                 --       
                                                                                         1.877                 --       
                                                                                         1.657                 --       
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13).........................  2.388                 --       
                                                                                         2.158                 --       
                                                                                         2.140                 --       
                                                                                         2.173                 --       
                                                                                         1.918                 --       

A-1 

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                                                        [Enlarge/Download Table]

                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                               
                                                                                               UNIT VALUE AT           
                                                                                                BEGINNING OF           
PORTFOLIO NAME                                                                          YEAR        YEAR               
-------------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                       
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13).................. 2017   49.599                   
                                                                                       2016   49.599                   
                                                                                       2015   49.599                   
                                                                                       2014   47.432                   
                                                                                       2013   45.126                   
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)..................... 2017   1.727                    
                                                                                       2016   1.687                    
                                                                                       2015   1.763                    
                                                                                       2014   1.488                    
                                                                                       2013   1.416                    
 BHFTI FOF - American Funds(R) Balanced Allocation Subaccount (Class C) (12/13)....... 2017   1.496                    
                                                                                       2016   1.392                    
                                                                                       2015   1.406                    
                                                                                       2014   1.330                    
                                                                                       2013   1.294                    
 BHFTI FOF - American Funds(R) Growth Allocation Subaccount (Class C) (12/13)......... 2017   1.516                    
                                                                                       2016   1.395                    
                                                                                       2015   1.410                    
                                                                                       2014   1.329                    
                                                                                       2013   1.283                    
 BHFTI FOF - American Funds(R) Moderate Allocation Subaccount (Class C) (12/13)....... 2017   1.457                    
                                                                                       2016   1.366                    
                                                                                       2015   1.380                    
                                                                                       2014   1.304                    
                                                                                       2013   1.277                    
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)...................... 2017   2.893                    
                                                                                       2016   2.677                    
                                                                                       2015   2.806                    
                                                                                       2014   2.978                    
                                                                                       2013   2.836                    
 BHFTI Invesco Comstock Subaccount (Class B) (12/13).................................. 2017   1.265                    
                                                                                       2016   1.082                    
                                                                                       2015   1.154                    
                                                                                       2014   1.059                    
                                                                                       2013   1.012                    
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).......................... 2017   3.466                    
                                                                                       2016   3.112                    
                                                                                       2015   3.166                    
                                                                                       2014   2.935                    
                                                                                       2013   2.803                    
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).......................... 2017   2.739                    
                                                                                       2016   2.099                    
                                                                                       2015   2.270                    
                                                                                       2014   2.176                    
                                                                                       2013   2.083                    
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)........................ 2017   3.806                    
                                                                                       2016   3.679                    
                                                                                       2015   3.761                    
                                                                                       2014   3.588                    
                                                                                       2013   3.560                    
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)................. 2017   1.277                    
                                                                                       2016   1.227                    
                                                                                       2015   1.246                    
                                                                                       2014   1.144                    
                                                                                       2013   1.115                    
 BHFTI MFS(R) Research International Subaccount (Class B) (12/13)..................... 2017   1.789                    
                                                                                       2016   1.810                    
                                                                                       2015   1.848                    
                                                                                       2014   1.992                    
                                                                                       2013   1.904                    
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)......................... 2017   1.095                    
                                                                                       2016   1.096                    
                                                                                       2015   1.059                    
                                                                                       2014   1.041                    
                                                                                       2013   0.993                    


                                                                                                        NUMBER OF UNITS
                                                                                        UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                           END OF YEAR      END OF YEAR  
-------------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                       
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13).................. 49.599                 --       
                                                                                       49.599                 --       
                                                                                       49.599                 --       
                                                                                       49.599                 --       
                                                                                       47.432                 --       
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)..................... 2.039                  --       
                                                                                       1.727                  --       
                                                                                       1.687                  --       
                                                                                       1.763                  --       
                                                                                       1.488                  --       
 BHFTI FOF - American Funds(R) Balanced Allocation Subaccount (Class C) (12/13)....... 1.743                  --       
                                                                                       1.496                  --       
                                                                                       1.392                  --       
                                                                                       1.406                  --       
                                                                                       1.330                  --       
 BHFTI FOF - American Funds(R) Growth Allocation Subaccount (Class C) (12/13)......... 1.834                  --       
                                                                                       1.516                  --       
                                                                                       1.395                  --       
                                                                                       1.410                  --       
                                                                                       1.329                  --       
 BHFTI FOF - American Funds(R) Moderate Allocation Subaccount (Class C) (12/13)....... 1.641                  --       
                                                                                       1.457                  --       
                                                                                       1.366                  --       
                                                                                       1.380                  --       
                                                                                       1.304                  --       
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)...................... 3.773                  --       
                                                                                       2.893                  --       
                                                                                       2.677                  --       
                                                                                       2.806                  --       
                                                                                       2.978                  --       
 BHFTI Invesco Comstock Subaccount (Class B) (12/13).................................. 1.488                  --       
                                                                                       1.265                  --       
                                                                                       1.082                  --       
                                                                                       1.154                  --       
                                                                                       1.059                  --       
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).......................... 4.341                  --       
                                                                                       3.466                  --       
                                                                                       3.112                  --       
                                                                                       3.166                  --       
                                                                                       2.935                  --       
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).......................... 2.829                  --       
                                                                                       2.739                  --       
                                                                                       2.099                  --       
                                                                                       2.270                  --       
                                                                                       2.176                  --       
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)........................ 3.806                  --       
                                                                                       3.806                  --       
                                                                                       3.679                  --       
                                                                                       3.761                  --       
                                                                                       3.588                  --       
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)................. 1.471                  --       
                                                                                       1.277                  --       
                                                                                       1.227                  --       
                                                                                       1.246                  --       
                                                                                       1.144                  --       
 BHFTI MFS(R) Research International Subaccount (Class B) (12/13)..................... 2.286                  --       
                                                                                       1.789                  --       
                                                                                       1.810                  --       
                                                                                       1.848                  --       
                                                                                       1.992                  --       
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)......................... 1.493                  --       
                                                                                       1.095                  --       
                                                                                       1.096                  --       
                                                                                       1.059                  --       
                                                                                       1.041                  --       

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                   GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                              
                                                                                             UNIT VALUE AT           
                                                                                              BEGINNING OF           
PORTFOLIO NAME                                                                        YEAR        YEAR               
------------------------------------------------------------------------------------ ------ ---------------          
                                                                                                                     
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13).................. 2017    1.015                   
                                                                                     2016    0.968                   
                                                                                     2015    1.000                   
                                                                                     2014    0.972                   
                                                                                     2013    0.978                   
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).............................. 2017    2.121                   
                                                                                     2016    2.073                   
                                                                                     2015    2.079                   
                                                                                     2014    2.002                   
                                                                                     2013    2.009                   
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).................................... 2017    3.541                   
                                                                                     2016    3.505                   
                                                                                     2015    3.513                   
                                                                                     2014    3.170                   
                                                                                     2013    3.050                   
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)........................ 2017    3.732                   
                                                                                     2016    3.625                   
                                                                                     2015    3.684                   
                                                                                     2014    3.533                   
                                                                                     2013    3.521                   
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13)....... 2017    1.205                   
                                                                                     2016    1.156                   
                                                                                     2015    1.174                   
                                                                                     2014    1.084                   
                                                                                     2013    1.057                   
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................... 2017   11.299                   
                                                                                     2016    9.775                   
                                                                                     2015   10.169                   
                                                                                     2014    9.004                   
                                                                                     2013    8.672                   
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13).................. 2017    4.838                   
                                                                                     2016    4.201                   
                                                                                     2015    4.629                   
                                                                                     2014    4.235                   
                                                                                     2013    4.060                   
Brighthouse Funds Trust II                                                                                           
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13).......................... 2017    9.483                   
                                                                                     2016    9.224                   
                                                                                     2015    9.197                   
                                                                                     2014    8.614                   
                                                                                     2013    8.626                   
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)................. 2017    6.248                   
                                                                                     2016    6.262                   
                                                                                     2015    5.909                   
                                                                                     2014    5.443                   
                                                                                     2013    5.176                   
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)...................... 2017    2.221                   
                                                                                     2016    1.887                   
                                                                                     2015    2.017                   
                                                                                     2014    1.844                   
                                                                                     2013    1.773                   
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)................ 2017    3.294                   
                                                                                     2016    3.293                   
                                                                                     2015    3.302                   
                                                                                     2014    3.312                   
                                                                                     2013    3.313                   
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)................ 2017    1.642                   
                                                                                     2016    1.575                   
                                                                                     2015    1.590                   
                                                                                     2014    1.526                   
                                                                                     2013    1.515                   
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)................ 2017    1.749                   
                                                                                     2016    1.654                   
                                                                                     2015    1.677                   
                                                                                     2014    1.603                   
                                                                                     2013    1.576                   


                                                                                                      NUMBER OF UNITS
                                                                                      UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                         END OF YEAR      END OF YEAR  
------------------------------------------------------------------------------------ --------------- ----------------
                                                                                                                     
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)..................  1.050                 --       
                                                                                      1.015                 --       
                                                                                      0.968                 --       
                                                                                      1.000                 --       
                                                                                      0.972                 --       
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)..............................  2.210                 --       
                                                                                      2.121                 --       
                                                                                      2.073                 --       
                                                                                      2.079                 --       
                                                                                      2.002                 --       
 BHFTI Pioneer Fund Subaccount (Class A) (12/13)....................................  3.541                 --       
                                                                                      3.541                 --       
                                                                                      3.505                 --       
                                                                                      3.513                 --       
                                                                                      3.170                 --       
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)........................  3.732                 --       
                                                                                      3.732                 --       
                                                                                      3.625                 --       
                                                                                      3.684                 --       
                                                                                      3.533                 --       
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13).......  1.399                 --       
                                                                                      1.205                 --       
                                                                                      1.156                 --       
                                                                                      1.174                 --       
                                                                                      1.084                 --       
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................... 13.175                 --       
                                                                                     11.299                 --       
                                                                                      9.775                 --       
                                                                                     10.169                 --       
                                                                                      9.004                 --       
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)..................  5.280                 --       
                                                                                      4.838                 --       
                                                                                      4.201                 --       
                                                                                      4.629                 --       
                                                                                      4.235                 --       
Brighthouse Funds Trust II                                                                                           
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)..........................  9.843                 --       
                                                                                      9.483                 --       
                                                                                      9.224                 --       
                                                                                      9.197                 --       
                                                                                      8.614                 --       
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).................  8.343                 --       
                                                                                      6.248                 --       
                                                                                      6.262                 --       
                                                                                      5.909                 --       
                                                                                      5.443                 --       
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)......................  2.378                 --       
                                                                                      2.221                 --       
                                                                                      1.887                 --       
                                                                                      2.017                 --       
                                                                                      1.844                 --       
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)................  3.314                 --       
                                                                                      3.294                 --       
                                                                                      3.293                 --       
                                                                                      3.302                 --       
                                                                                      3.312                 --       
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)................  1.750                 --       
                                                                                      1.642                 --       
                                                                                      1.575                 --       
                                                                                      1.590                 --       
                                                                                      1.526                 --       
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)................  1.930                 --       
                                                                                      1.749                 --       
                                                                                      1.654                 --       
                                                                                      1.677                 --       
                                                                                      1.603                 --       

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                 GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                            
                                                                                         UNIT VALUE AT           
                                                                                          BEGINNING OF           
PORTFOLIO NAME                                                                    YEAR        YEAR               
-------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                 
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............ 2017    1.829                   
                                                                                 2016    1.713                   
                                                                                 2015    1.740                   
                                                                                 2014    1.661                   
                                                                                 2013    1.617                   
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............ 2017    1.882                   
                                                                                 2016    1.746                   
                                                                                 2015    1.781                   
                                                                                 2014    1.698                   
                                                                                 2013    1.638                   
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)............ 2017    9.409                   
                                                                                 2016    8.820                   
                                                                                 2015    8.625                   
                                                                                 2014    7.825                   
                                                                                 2013    7.594                   
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A)                                    
 (12/13)........................................................................ 2017    7.092                   
                                                                                 2016    6.626                   
                                                                                 2015    6.491                   
                                                                                 2014    5.884                   
                                                                                 2013    5.625                   
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).................... 2017   10.035                   
                                                                                 2016    9.559                   
                                                                                 2015    9.328                   
                                                                                 2014    8.425                   
                                                                                 2013    8.112                   
 BHFTII Jennison Growth Subaccount (Class A) (12/13)............................ 2017    1.276                   
                                                                                 2016    1.278                   
                                                                                 2015    1.157                   
                                                                                 2014    1.064                   
                                                                                 2013    1.019                   
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)............... 2017    2.144                   
                                                                                 2016    2.101                   
                                                                                 2015    2.102                   
                                                                                 2014    1.992                   
                                                                                 2013    1.996                   
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)................ 2017    3.672                   
                                                                                 2016    3.067                   
                                                                                 2015    3.161                   
                                                                                 2014    2.903                   
                                                                                 2013    2.789                   
 BHFTII MetLife MSCI EAFE(R) Index Subaccount (Class A) (12/13)................. 2017    1.777                   
                                                                                 2016    1.759                   
                                                                                 2015    1.784                   
                                                                                 2014    1.903                   
                                                                                 2013    1.803                   
 BHFTII MetLife Russell 2000(R) Index Subaccount (Class A) (12/13).............. 2017    3.962                   
                                                                                 2016    3.277                   
                                                                                 2015    3.433                   
                                                                                 2014    3.279                   
                                                                                 2013    3.119                   
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)........................ 2017   10.119                   
                                                                                 2016    9.089                   
                                                                                 2015    9.011                   
                                                                                 2014    7.973                   
                                                                                 2013    7.653                   
 BHFTII MFS(R) Total Return Subaccount (Class F) (12/13)........................ 2017    1.201                   
                                                                                 2016    1.105                   
                                                                                 2015    1.112                   
                                                                                 2014    1.029                   
                                                                                 2013    1.003                   
 BHFTII MFS(R) Value Subaccount (Class A) (12/13)............................... 2017    3.409                   
                                                                                 2016    2.989                   
                                                                                 2015    3.003                   
                                                                                 2014    2.718                   
                                                                                 2013    2.593                   


                                                                                                  NUMBER OF UNITS
                                                                                  UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                     END OF YEAR      END OF YEAR  
-------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                 
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............  2.092                 --       
                                                                                  1.829                 --       
                                                                                  1.713                 --       
                                                                                  1.740                 --       
                                                                                  1.661                 --       
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............  2.236                 --       
                                                                                  1.882                 --       
                                                                                  1.746                 --       
                                                                                  1.781                 --       
                                                                                  1.698                 --       
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)............ 10.801                 --       
                                                                                  9.409                 --       
                                                                                  8.820                 --       
                                                                                  8.625                 --       
                                                                                  7.825                 --       
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A)                                    
 (12/13)........................................................................  8.419                 --       
                                                                                  7.092                 --       
                                                                                  6.626                 --       
                                                                                  6.491                 --       
                                                                                  5.884                 --       
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).................... 12.519                 --       
                                                                                 10.035                 --       
                                                                                  9.559                 --       
                                                                                  9.328                 --       
                                                                                  8.425                 --       
 BHFTII Jennison Growth Subaccount (Class A) (12/13)............................  1.747                 --       
                                                                                  1.276                 --       
                                                                                  1.278                 --       
                                                                                  1.157                 --       
                                                                                  1.064                 --       
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)...............  2.207                 --       
                                                                                  2.144                 --       
                                                                                  2.101                 --       
                                                                                  2.102                 --       
                                                                                  1.992                 --       
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)................  4.233                 --       
                                                                                  3.672                 --       
                                                                                  3.067                 --       
                                                                                  3.161                 --       
                                                                                  2.903                 --       
 BHFTII MetLife MSCI EAFE(R) Index Subaccount (Class A) (12/13).................  2.213                 --       
                                                                                  1.777                 --       
                                                                                  1.759                 --       
                                                                                  1.784                 --       
                                                                                  1.903                 --       
 BHFTII MetLife Russell 2000(R) Index Subaccount (Class A) (12/13)..............  4.530                 --       
                                                                                  3.962                 --       
                                                                                  3.277                 --       
                                                                                  3.433                 --       
                                                                                  3.279                 --       
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)........................ 12.262                 --       
                                                                                 10.119                 --       
                                                                                  9.089                 --       
                                                                                  9.011                 --       
                                                                                  7.973                 --       
 BHFTII MFS(R) Total Return Subaccount (Class F) (12/13)........................  1.344                 --       
                                                                                  1.201                 --       
                                                                                  1.105                 --       
                                                                                  1.112                 --       
                                                                                  1.029                 --       
 BHFTII MFS(R) Value Subaccount (Class A) (12/13)...............................  4.011                 --       
                                                                                  3.409                 --       
                                                                                  2.989                 --       
                                                                                  3.003                 --       
                                                                                  2.718                 --       

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                   GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                              
                                                                                             UNIT VALUE AT           
                                                                                              BEGINNING OF           
PORTFOLIO NAME                                                                        YEAR        YEAR               
------------------------------------------------------------------------------------ ------ ---------------          
                                                                                                                     
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)....................... 2017    3.549                   
                                                                                     2016    3.000                   
                                                                                     2015    2.991                   
                                                                                     2014    3.000                   
                                                                                     2013    2.888                   
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)................. 2017    3.144                   
                                                                                     2016    3.106                   
                                                                                     2015    2.819                   
                                                                                     2014    2.598                   
                                                                                     2013    2.494                   
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)................. 2017    4.283                   
                                                                                     2016    3.853                   
                                                                                     2015    3.772                   
                                                                                     2014    3.547                   
                                                                                     2013    3.394                   
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount                                             
 (Class A) (5/16)................................................................... 2017   41.833                   
                                                                                     2016   39.999                   
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)....... 2017    2.403                   
                                                                                     2016    2.380                   
                                                                                     2015    2.374                   
                                                                                     2014    2.316                   
                                                                                     2013    2.322                   
Delaware VIP Trust                                                                                                   
 Delaware VIP(R) Small Cap Value Subaccount (Standard Class) (12/13)................ 2017    1.361                   
                                                                                     2016    1.039                   
                                                                                     2015    1.111                   
                                                                                     2014    1.053                   
                                                                                     2013    1.005                   
Fidelity(R) Variable Insurance Products                                                                              
 Fidelity VIP Contrafund(R) Subaccount (Service Class 2) (12/13).................... 2017    8.532                   
                                                                                     2016    7.944                   
                                                                                     2015    7.935                   
                                                                                     2014    7.128                   
                                                                                     2013    6.831                   
 Fidelity VIP Freedom 2020 Subaccount (5/15)........................................ 2017   18.547                   
                                                                                     2016   17.582                   
                                                                                     2015   18.424                   
 Fidelity VIP Freedom 2025 Subaccount (5/15)........................................ 2017   19.544                   
                                                                                     2016   18.496                   
                                                                                     2015   19.457                   
 Fidelity VIP Freedom 2030 Subaccount (5/15)........................................ 2017   19.400                   
                                                                                     2016   18.293                   
                                                                                     2015   19.372                   
 Fidelity VIP Freedom 2040 Subaccount (5/15)........................................ 2017   24.876                   
                                                                                     2016   23.422                   
                                                                                     2015   24.877                   
 Fidelity VIP Freedom 2050 Subaccount (5/15)........................................ 2017   25.418                   
                                                                                     2016   23.925                   
                                                                                     2015   25.430                   
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13).......................... 2017    7.783                   
                                                                                     2016    6.974                   
                                                                                     2015    7.111                   
                                                                                     2014    6.727                   
                                                                                     2013    6.408                   
Franklin Templeton Variable Insurance Products Trust                                                                 
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............... 2017    1.485                   
                                                                                     2016    1.268                   
                                                                                     2015    1.582                   
                                                                                     2014    1.732                   
                                                                                     2013    1.686                   
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13).......................... 2017    4.569                   
                                                                                     2016    4.276                   
                                                                                     2015    4.586                   
                                                                                     2014    5.176                   
                                                                                     2013    4.931                   


                                                                                                      NUMBER OF UNITS
                                                                                      UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                         END OF YEAR      END OF YEAR  
------------------------------------------------------------------------------------ --------------- ----------------
                                                                                                                     
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).......................  4.096                 --       
                                                                                      3.549                 --       
                                                                                      3.000                 --       
                                                                                      2.991                 --       
                                                                                      3.000                 --       
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).................  4.184                 --       
                                                                                      3.144                 --       
                                                                                      3.106                 --       
                                                                                      2.819                 --       
                                                                                      2.598                 --       
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).................  5.232                 --       
                                                                                      4.283                 --       
                                                                                      3.853                 --       
                                                                                      3.772                 --       
                                                                                      3.547                 --       
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount                                             
 (Class A) (5/16)................................................................... 45.139                 --       
                                                                                     41.833                 --       
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).......  2.443                 --       
                                                                                      2.403                 --       
                                                                                      2.380                 --       
                                                                                      2.374                 --       
                                                                                      2.316                 --       
Delaware VIP Trust                                                                                                   
 Delaware VIP(R) Small Cap Value Subaccount (Standard Class) (12/13)................  1.521                 --       
                                                                                      1.361                 --       
                                                                                      1.039                 --       
                                                                                      1.111                 --       
                                                                                      1.053                 --       
Fidelity(R) Variable Insurance Products                                                                              
 Fidelity VIP Contrafund(R) Subaccount (Service Class 2) (12/13).................... 10.343                 --       
                                                                                      8.532                 --       
                                                                                      7.944                 --       
                                                                                      7.935                 --       
                                                                                      7.128                 --       
 Fidelity VIP Freedom 2020 Subaccount (5/15)........................................ 21.498                 --       
                                                                                     18.547                 --       
                                                                                     17.582                 --       
 Fidelity VIP Freedom 2025 Subaccount (5/15)........................................ 22.908                 --       
                                                                                     19.544                 --       
                                                                                     18.496                 --       
 Fidelity VIP Freedom 2030 Subaccount (5/15)........................................ 23.345                 --       
                                                                                     19.400                 --       
                                                                                     18.293                 --       
 Fidelity VIP Freedom 2040 Subaccount (5/15)........................................ 30.579                 --       
                                                                                     24.876                 --       
                                                                                     23.422                 --       
 Fidelity VIP Freedom 2050 Subaccount (5/15)........................................ 31.247                 --       
                                                                                     25.418                 --       
                                                                                     23.925                 --       
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)..........................  9.353                 --       
                                                                                      7.783                 --       
                                                                                      6.974                 --       
                                                                                      7.111                 --       
                                                                                      6.727                 --       
Franklin Templeton Variable Insurance Products Trust                                                                 
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)...............  2.078                 --       
                                                                                      1.485                 --       
                                                                                      1.268                 --       
                                                                                      1.582                 --       
                                                                                      1.732                 --       
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)..........................  5.315                 --       
                                                                                      4.569                 --       
                                                                                      4.276                 --       
                                                                                      4.586                 --       
                                                                                      5.176                 --       

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                  GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                             
                                                                                           UNIT VALUE AT           
                                                                                            BEGINNING OF           
PORTFOLIO NAME                                                                      YEAR        YEAR               
---------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                   
Janus Aspen Series                                                                                                 
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2017   8.935                    
                                                                                   2016   7.994                    
                                                                                   2015   7.727                    
                                                                                   2014   6.905                    
                                                                                   2013   6.634                    
Legg Mason Partners Variable Equity Trust                                                                          
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014   5.536                    
                                                                                   2013   5.287                    
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2017   7.330                    
                                                                                   2016   6.698                    
                                                                                   2015   6.612                    
                                                                                   2014   5.975                    
                                                                                   2013   5.726                    
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2017   1.287                    
                                                                                   2016   1.122                    
                                                                                   2015   1.176                    
                                                                                   2014   1.039                    
                                                                                   2013   1.001                    
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2017   3.462                    
                                                                                   2016   3.234                    
                                                                                   2015   2.954                    
                                                                                   2014   2.599                    
                                                                                   2013   2.477                    
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2017   3.619                    
                                                                                   2016   3.431                    
                                                                                   2015   3.599                    
                                                                                   2014   3.468                    
                                                                                   2013   3.257                    
Legg Mason Partners Variable Income Trust                                                                          
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2017   3.678                    
                                                                                   2016   3.528                    
                                                                                   2015   3.497                    
                                                                                   2014   3.519                    
                                                                                   2013   3.508                    
Trust for Advised Portfolios                                                                                       
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 2017   5.456                    
                                                                                   2016   5.151                    
                                                                                   2015   5.257                    
                                                                                   2014   4.824                    
                                                                                   2013   4.673                    


                                                                                                    NUMBER OF UNITS
                                                                                    UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                       END OF YEAR      END OF YEAR  
---------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                   
Janus Aspen Series                                                                                                 
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 11.321                 --       
                                                                                   8.935                  --       
                                                                                   7.994                  --       
                                                                                   7.727                  --       
                                                                                   6.905                  --       
Legg Mason Partners Variable Equity Trust                                                                          
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 5.587                  --       
                                                                                   5.536                  --       
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 8.737                  --       
                                                                                   7.330                  --       
                                                                                   6.698                  --       
                                                                                   6.612                  --       
                                                                                   5.975                  --       
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 1.529                  --       
                                                                                   1.287                  --       
                                                                                   1.122                  --       
                                                                                   1.176                  --       
                                                                                   1.039                  --       
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 4.341                  --       
                                                                                   3.462                  --       
                                                                                   3.234                  --       
                                                                                   2.954                  --       
                                                                                   2.599                  --       
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 4.484                  --       
                                                                                   3.619                  --       
                                                                                   3.431                  --       
                                                                                   3.599                  --       
                                                                                   3.468                  --       
Legg Mason Partners Variable Income Trust                                                                          
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 3.877                  --       
                                                                                   3.678                  --       
                                                                                   3.528                  --       
                                                                                   3.497                  --       
                                                                                   3.519                  --       
Trust for Advised Portfolios                                                                                       
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 6.351                  --       
                                                                                   5.456                  --       
                                                                                   5.151                  --       
                                                                                   5.257                  --       
                                                                                   4.824                  --       

                                                        [Enlarge/Download Table]

                                 GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30%                                 
                                                                           UNIT VALUE AT                   NUMBER OF UNITS
                                                                            BEGINNING OF   UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                      YEAR        YEAR        END OF YEAR      END OF YEAR  
------------------------------------------------------------------ ------ --------------- --------------- ----------------
                                                                                                                          
American Funds Insurance Series(R)                                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)........ 2017    4.102           5.324          --              
                                                                   2016    4.131           4.102          --              
                                                                   2015    3.913           4.131          --              
                                                                   2014    3.875           3.913          --              
                                                                   2013    3.696           3.875          --              
 American Funds Growth Subaccount (Class 2) (12/13)............... 2017   27.802          35.208          --              
                                                                   2016   25.725          27.802          --              
                                                                   2015   24.389          25.725          --              
                                                                   2014   22.770          24.389          --              
                                                                   2013   21.843          22.770          --              
 American Funds Growth-Income Subaccount (Class 2) (12/13)........ 2017   19.156          23.142          --              
                                                                   2016   17.402          19.156          --              
                                                                   2015   17.377          17.402          --              
                                                                   2014   15.912          17.377          --              
                                                                   2013   15.264          15.912          --              

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                     GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                               
                                                                                                UNIT VALUE AT           
                                                                                                 BEGINNING OF           
PORTFOLIO NAME                                                                           YEAR        YEAR               
--------------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                        
Brighthouse Funds Trust I                                                                                               
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)............................... 2017    3.024                   
                                                                                        2016    2.682                   
                                                                                        2015    2.822                   
                                                                                        2014    2.765                   
                                                                                        2013    2.745                   
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)................... 2017    1.727                   
                                                                                        2016    1.605                   
                                                                                        2015    1.659                   
                                                                                        2014    1.600                   
                                                                                        2013    1.534                   
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................ 2017    2.974                   
                                                                                        2016    2.296                   
                                                                                        2015    2.459                   
                                                                                        2014    2.449                   
                                                                                        2013    2.354                   
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)....... 2017    0.991                   
                                                                                        2016    0.897                   
                                                                                        2015    1.053                   
                                                                                        2014    1.138                   
                                                                                        2013    1.120                   
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).......... 2017    1.749                   
                                                                                        2016    1.636                   
                                                                                        2015    1.587                   
                                                                                        2014    1.415                   
                                                                                        2013    1.354                   
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)......................... 2017    1.901                   
                                                                                        2016    1.904                   
                                                                                        2015    1.953                   
                                                                                        2014    1.741                   
                                                                                        2013    1.689                   
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)................... 2017   35.974                   
                                                                                        2016   35.974                   
                                                                                        2015   35.974                   
                                                                                        2014   34.511                   
                                                                                        2013   32.849                   
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)...................... 2017    1.473                   
                                                                                        2016    1.454                   
                                                                                        2015    1.535                   
                                                                                        2014    1.308                   
                                                                                        2013    1.246                   
 BHFTI FOF - American Funds(R) Balanced Allocation Subaccount (Class C) (12/13)........ 2017    1.371                   
                                                                                        2016    1.289                   
                                                                                        2015    1.315                   
                                                                                        2014    1.256                   
                                                                                        2013    1.223                   
 BHFTI FOF - American Funds(R) Growth Allocation Subaccount (Class C) (12/13).......... 2017    1.390                   
                                                                                        2016    1.292                   
                                                                                        2015    1.319                   
                                                                                        2014    1.256                   
                                                                                        2013    1.213                   
 BHFTI FOF - American Funds(R) Moderate Allocation Subaccount (Class C) (12/13)........ 2017    1.336                   
                                                                                        2016    1.264                   
                                                                                        2015    1.290                   
                                                                                        2014    1.232                   
                                                                                        2013    1.207                   
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)....................... 2017    2.490                   
                                                                                        2016    2.327                   
                                                                                        2015    2.464                   
                                                                                        2014    2.642                   
                                                                                        2013    2.516                   
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)................................... 2017    1.225                   
                                                                                        2016    1.058                   
                                                                                        2015    1.140                   
                                                                                        2014    1.057                   
                                                                                        2013    1.011                   


                                                                                                         NUMBER OF UNITS
                                                                                         UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                            END OF YEAR      END OF YEAR  
--------------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                        
Brighthouse Funds Trust I                                                                                               
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)...............................  3.226                 --       
                                                                                         3.024                 --       
                                                                                         2.682                 --       
                                                                                         2.822                 --       
                                                                                         2.765                 --       
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)...................  2.095                 --       
                                                                                         1.727                 --       
                                                                                         1.605                 --       
                                                                                         1.659                 --       
                                                                                         1.600                 --       
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................  3.280                 --       
                                                                                         2.974                 --       
                                                                                         2.296                 --       
                                                                                         2.459                 --       
                                                                                         2.449                 --       
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......  1.257                 --       
                                                                                         0.991                 --       
                                                                                         0.897                 --       
                                                                                         1.053                 --       
                                                                                         1.138                 --       
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)..........  2.105                 --       
                                                                                         1.749                 --       
                                                                                         1.636                 --       
                                                                                         1.587                 --       
                                                                                         1.415                 --       
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13).........................  2.083                 --       
                                                                                         1.901                 --       
                                                                                         1.904                 --       
                                                                                         1.953                 --       
                                                                                         1.741                 --       
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)................... 35.974                 --       
                                                                                        35.974                 --       
                                                                                        35.974                 --       
                                                                                        35.974                 --       
                                                                                        34.511                 --       
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................  1.722                 --       
                                                                                         1.473                 --       
                                                                                         1.454                 --       
                                                                                         1.535                 --       
                                                                                         1.308                 --       
 BHFTI FOF - American Funds(R) Balanced Allocation Subaccount (Class C) (12/13)........  1.582                 --       
                                                                                         1.371                 --       
                                                                                         1.289                 --       
                                                                                         1.315                 --       
                                                                                         1.256                 --       
 BHFTI FOF - American Funds(R) Growth Allocation Subaccount (Class C) (12/13)..........  1.664                 --       
                                                                                         1.390                 --       
                                                                                         1.292                 --       
                                                                                         1.319                 --       
                                                                                         1.256                 --       
 BHFTI FOF - American Funds(R) Moderate Allocation Subaccount (Class C) (12/13)........  1.489                 --       
                                                                                         1.336                 --       
                                                                                         1.264                 --       
                                                                                         1.290                 --       
                                                                                         1.232                 --       
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................  3.215                 --       
                                                                                         2.490                 --       
                                                                                         2.327                 --       
                                                                                         2.464                 --       
                                                                                         2.642                 --       
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................  1.428                 --       
                                                                                         1.225                 --       
                                                                                         1.058                 --       
                                                                                         1.140                 --       
                                                                                         1.057                 --       

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                   GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                              
                                                                                             UNIT VALUE AT           
                                                                                              BEGINNING OF           
PORTFOLIO NAME                                                                        YEAR        YEAR               
------------------------------------------------------------------------------------ ------ ---------------          
                                                                                                                     
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13)........................ 2017   2.976                    
                                                                                     2016   2.699                    
                                                                                     2015   2.774                    
                                                                                     2014   2.597                    
                                                                                     2013   2.481                    
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13)........................ 2017   2.436                    
                                                                                     2016   1.886                    
                                                                                     2015   2.060                    
                                                                                     2014   1.994                    
                                                                                     2013   1.910                    
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)...................... 2017   3.116                    
                                                                                     2016   3.022                    
                                                                                     2015   3.120                    
                                                                                     2014   3.007                    
                                                                                     2013   2.984                    
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)............... 2017   1.225                    
                                                                                     2016   1.189                    
                                                                                     2015   1.219                    
                                                                                     2014   1.130                    
                                                                                     2013   1.103                    
 BHFTI MFS(R) Research International Subaccount (Class B) (12/13)................... 2017   1.526                    
                                                                                     2016   1.560                    
                                                                                     2015   1.609                    
                                                                                     2014   1.751                    
                                                                                     2013   1.674                    
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)....................... 2017   1.061                    
                                                                                     2016   1.073                    
                                                                                     2015   1.047                    
                                                                                     2014   1.039                    
                                                                                     2013   0.991                    
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13).................. 2017   0.983                    
                                                                                     2016   0.947                    
                                                                                     2015   0.988                    
                                                                                     2014   0.971                    
                                                                                     2013   0.977                    
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).............................. 2017   1.809                    
                                                                                     2016   1.786                    
                                                                                     2015   1.810                    
                                                                                     2014   1.759                    
                                                                                     2013   1.767                    
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).................................... 2017   2.835                    
                                                                                     2016   2.815                    
                                                                                     2015   2.850                    
                                                                                     2014   2.598                    
                                                                                     2013   2.501                    
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)........................ 2017   3.000                    
                                                                                     2016   2.924                    
                                                                                     2015   3.001                    
                                                                                     2014   2.907                    
                                                                                     2013   2.898                    
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13)....... 2017   1.161                    
                                                                                     2016   1.125                    
                                                                                     2015   1.154                    
                                                                                     2014   1.076                    
                                                                                     2013   1.050                    
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................... 2017   8.620                    
                                                                                     2016   7.532                    
                                                                                     2015   7.914                    
                                                                                     2014   7.078                    
                                                                                     2013   6.821                    
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13).................. 2017   3.986                    
                                                                                     2016   3.496                    
                                                                                     2015   3.891                    
                                                                                     2014   3.595                    
                                                                                     2013   3.448                    


                                                                                                      NUMBER OF UNITS
                                                                                      UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                         END OF YEAR      END OF YEAR  
------------------------------------------------------------------------------------ --------------- ----------------
                                                                                                                     
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13)........................ 3.690           --              
                                                                                     2.976           --              
                                                                                     2.699           --              
                                                                                     2.774           --              
                                                                                     2.597           --              
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13)........................ 2.492           --              
                                                                                     2.436           --              
                                                                                     1.886           --              
                                                                                     2.060           --              
                                                                                     1.994           --              
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)...................... 3.116           --              
                                                                                     3.116           --              
                                                                                     3.022           --              
                                                                                     3.120           --              
                                                                                     3.007           --              
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)............... 1.397           --              
                                                                                     1.225           --              
                                                                                     1.189           --              
                                                                                     1.219           --              
                                                                                     1.130           --              
 BHFTI MFS(R) Research International Subaccount (Class B) (12/13)................... 1.930           --              
                                                                                     1.526           --              
                                                                                     1.560           --              
                                                                                     1.609           --              
                                                                                     1.751           --              
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)....................... 1.432           --              
                                                                                     1.061           --              
                                                                                     1.073           --              
                                                                                     1.047           --              
                                                                                     1.039           --              
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13).................. 1.008           --              
                                                                                     0.983           --              
                                                                                     0.947           --              
                                                                                     0.988           --              
                                                                                     0.971           --              
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).............................. 1.866           --              
                                                                                     1.809           --              
                                                                                     1.786           --              
                                                                                     1.810           --              
                                                                                     1.759           --              
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).................................... 2.835           --              
                                                                                     2.835           --              
                                                                                     2.815           --              
                                                                                     2.850           --              
                                                                                     2.598           --              
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)........................ 3.000           --              
                                                                                     3.000           --              
                                                                                     2.924           --              
                                                                                     3.001           --              
                                                                                     2.907           --              
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13)....... 1.335           --              
                                                                                     1.161           --              
                                                                                     1.125           --              
                                                                                     1.154           --              
                                                                                     1.076           --              
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................... 9.951           --              
                                                                                     8.620           --              
                                                                                     7.532           --              
                                                                                     7.914           --              
                                                                                     7.078           --              
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13).................. 4.307           --              
                                                                                     3.986           --              
                                                                                     3.496           --              
                                                                                     3.891           --              
                                                                                     3.595           --              

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                 GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                            
                                                                                         UNIT VALUE AT           
                                                                                          BEGINNING OF           
PORTFOLIO NAME                                                                    YEAR        YEAR               
-------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                 
Brighthouse Funds Trust II                                                                                       
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)...................... 2017   6.793                    
                                                                                 2016   6.674                    
                                                                                 2015   6.721                    
                                                                                 2014   6.358                    
                                                                                 2013   6.370                    
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)............. 2017   5.005                    
                                                                                 2016   5.066                    
                                                                                 2015   4.829                    
                                                                                 2014   4.493                    
                                                                                 2013   4.275                    
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13).................. 2017   1.918                    
                                                                                 2016   1.646                    
                                                                                 2015   1.777                    
                                                                                 2014   1.641                    
                                                                                 2013   1.579                    
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............ 2017   2.360                    
                                                                                 2016   2.382                    
                                                                                 2015   2.413                    
                                                                                 2014   2.445                    
                                                                                 2013   2.446                    
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)............ 2017   1.461                    
                                                                                 2016   1.416                    
                                                                                 2015   1.443                    
                                                                                 2014   1.399                    
                                                                                 2013   1.390                    
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)............ 2017   1.556                    
                                                                                 2016   1.486                    
                                                                                 2015   1.522                    
                                                                                 2014   1.470                    
                                                                                 2013   1.446                    
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............ 2017   1.627                    
                                                                                 2016   1.539                    
                                                                                 2015   1.580                    
                                                                                 2014   1.523                    
                                                                                 2013   1.483                    
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............ 2017   1.675                    
                                                                                 2016   1.569                    
                                                                                 2015   1.617                    
                                                                                 2014   1.557                    
                                                                                 2013   1.502                    
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)............ 2017   6.936                    
                                                                                 2016   6.567                    
                                                                                 2015   6.486                    
                                                                                 2014   5.944                    
                                                                                 2013   5.771                    
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A)                                    
 (12/13)........................................................................ 2017   5.681                    
                                                                                 2016   5.362                    
                                                                                 2015   5.305                    
                                                                                 2014   4.857                    
                                                                                 2013   4.646                    
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).................... 2017   7.531                    
                                                                                 2016   7.246                    
                                                                                 2015   7.143                    
                                                                                 2014   6.516                    
                                                                                 2013   6.277                    
 BHFTII Jennison Growth Subaccount (Class A) (12/13)............................ 2017   1.236                    
                                                                                 2016   1.250                    
                                                                                 2015   1.144                    
                                                                                 2014   1.062                    
                                                                                 2013   1.017                    
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)............... 2017   1.788                    
                                                                                 2016   1.770                    
                                                                                 2015   1.788                    
                                                                                 2014   1.712                    
                                                                                 2013   1.716                    


                                                                                                  NUMBER OF UNITS
                                                                                  UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                     END OF YEAR      END OF YEAR  
-------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                 
Brighthouse Funds Trust II                                                                                       
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)...................... 6.981           --              
                                                                                 6.793           --              
                                                                                 6.674           --              
                                                                                 6.721           --              
                                                                                 6.358           --              
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)............. 6.617           --              
                                                                                 5.005           --              
                                                                                 5.066           --              
                                                                                 4.829           --              
                                                                                 4.493           --              
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13).................. 2.033           --              
                                                                                 1.918           --              
                                                                                 1.646           --              
                                                                                 1.777           --              
                                                                                 1.641           --              
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............ 2.350           --              
                                                                                 2.360           --              
                                                                                 2.382           --              
                                                                                 2.413           --              
                                                                                 2.445           --              
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)............ 1.542           --              
                                                                                 1.461           --              
                                                                                 1.416           --              
                                                                                 1.443           --              
                                                                                 1.399           --              
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)............ 1.700           --              
                                                                                 1.556           --              
                                                                                 1.486           --              
                                                                                 1.522           --              
                                                                                 1.470           --              
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............ 1.843           --              
                                                                                 1.627           --              
                                                                                 1.539           --              
                                                                                 1.580           --              
                                                                                 1.523           --              
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............ 1.970           --              
                                                                                 1.675           --              
                                                                                 1.569           --              
                                                                                 1.617           --              
                                                                                 1.557           --              
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)............ 7.883           --              
                                                                                 6.936           --              
                                                                                 6.567           --              
                                                                                 6.486           --              
                                                                                 5.944           --              
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A)                                    
 (12/13)........................................................................ 6.677           --              
                                                                                 5.681           --              
                                                                                 5.362           --              
                                                                                 5.305           --              
                                                                                 4.857           --              
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).................... 9.303           --              
                                                                                 7.531           --              
                                                                                 7.246           --              
                                                                                 7.143           --              
                                                                                 6.516           --              
 BHFTII Jennison Growth Subaccount (Class A) (12/13)............................ 1.676           --              
                                                                                 1.236           --              
                                                                                 1.250           --              
                                                                                 1.144           --              
                                                                                 1.062           --              
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)............... 1.822           --              
                                                                                 1.788           --              
                                                                                 1.770           --              
                                                                                 1.788           --              
                                                                                 1.712           --              

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                   GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                              
                                                                                             UNIT VALUE AT           
                                                                                              BEGINNING OF           
PORTFOLIO NAME                                                                        YEAR        YEAR               
------------------------------------------------------------------------------------ ------ ---------------          
                                                                                                                     
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).................... 2017    3.114                   
                                                                                     2016    2.627                   
                                                                                     2015    2.735                   
                                                                                     2014    2.537                   
                                                                                     2013    2.438                   
 BHFTII MetLife MSCI EAFE(R) Index Subaccount (Class A) (12/13)..................... 2017    1.482                   
                                                                                     2016    1.482                   
                                                                                     2015    1.517                   
                                                                                     2014    1.636                   
                                                                                     2013    1.550                   
 BHFTII MetLife Russell 2000(R) Index Subaccount (Class A) (12/13).................. 2017    3.305                   
                                                                                     2016    2.760                   
                                                                                     2015    2.921                   
                                                                                     2014    2.817                   
                                                                                     2013    2.681                   
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)............................ 2017    7.749                   
                                                                                     2016    7.030                   
                                                                                     2015    7.040                   
                                                                                     2014    6.292                   
                                                                                     2013    6.043                   
 BHFTII MFS(R) Total Return Subaccount (Class F) (12/13)............................ 2017    1.163                   
                                                                                     2016    1.082                   
                                                                                     2015    1.100                   
                                                                                     2014    1.027                   
                                                                                     2013    1.002                   
 BHFTII MFS(R) Value Subaccount (Class A) (12/13)................................... 2017    2.834                   
                                                                                     2016    2.510                   
                                                                                     2015    2.547                   
                                                                                     2014    2.329                   
                                                                                     2013    2.223                   
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)....................... 2017    3.010                   
                                                                                     2016    2.569                   
                                                                                     2015    2.587                   
                                                                                     2014    2.621                   
                                                                                     2013    2.524                   
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)................. 2017    2.622                   
                                                                                     2016    2.616                   
                                                                                     2015    2.398                   
                                                                                     2014    2.233                   
                                                                                     2013    2.144                   
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)................. 2017    3.512                   
                                                                                     2016    3.191                   
                                                                                     2015    3.155                   
                                                                                     2014    2.997                   
                                                                                     2013    2.869                   
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount                                             
 (Class A) (5/16)................................................................... 2017   33.513                   
                                                                                     2016   32.257                   
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)....... 2017    1.925                   
                                                                                     2016    1.926                   
                                                                                     2015    1.940                   
                                                                                     2014    1.912                   
                                                                                     2013    1.918                   
Delaware VIP Trust                                                                                                   
 Delaware VIP(R) Small Cap Value Subaccount (Standard Class) (12/13)................ 2017    1.319                   
                                                                                     2016    1.017                   
                                                                                     2015    1.098                   
                                                                                     2014    1.051                   
                                                                                     2013    1.004                   
Fidelity(R) Variable Insurance Products                                                                              
 Fidelity VIP Contrafund(R) Subaccount (Service Class 2) (12/13).................... 2017    6.847                   
                                                                                     2016    6.439                   
                                                                                     2015    6.496                   
                                                                                     2014    5.894                   
                                                                                     2013    5.652                   


                                                                                                      NUMBER OF UNITS
                                                                                      UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                         END OF YEAR      END OF YEAR  
------------------------------------------------------------------------------------ --------------- ----------------
                                                                                                                     
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)....................  3.553                 --       
                                                                                      3.114                 --       
                                                                                      2.627                 --       
                                                                                      2.735                 --       
                                                                                      2.537                 --       
 BHFTII MetLife MSCI EAFE(R) Index Subaccount (Class A) (12/13).....................  1.827                 --       
                                                                                      1.482                 --       
                                                                                      1.482                 --       
                                                                                      1.517                 --       
                                                                                      1.636                 --       
 BHFTII MetLife Russell 2000(R) Index Subaccount (Class A) (12/13)..................  3.741                 --       
                                                                                      3.305                 --       
                                                                                      2.760                 --       
                                                                                      2.921                 --       
                                                                                      2.817                 --       
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)............................  9.297                 --       
                                                                                      7.749                 --       
                                                                                      7.030                 --       
                                                                                      7.040                 --       
                                                                                      6.292                 --       
 BHFTII MFS(R) Total Return Subaccount (Class F) (12/13)............................  1.289                 --       
                                                                                      1.163                 --       
                                                                                      1.082                 --       
                                                                                      1.100                 --       
                                                                                      1.027                 --       
 BHFTII MFS(R) Value Subaccount (Class A) (12/13)...................................  3.302                 --       
                                                                                      2.834                 --       
                                                                                      2.510                 --       
                                                                                      2.547                 --       
                                                                                      2.329                 --       
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).......................  3.439                 --       
                                                                                      3.010                 --       
                                                                                      2.569                 --       
                                                                                      2.587                 --       
                                                                                      2.621                 --       
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).................  3.455                 --       
                                                                                      2.622                 --       
                                                                                      2.616                 --       
                                                                                      2.398                 --       
                                                                                      2.233                 --       
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).................  4.248                 --       
                                                                                      3.512                 --       
                                                                                      3.191                 --       
                                                                                      3.155                 --       
                                                                                      2.997                 --       
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount                                             
 (Class A) (5/16)................................................................... 35.802                 --       
                                                                                     33.513                 --       
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).......  1.937                 --       
                                                                                      1.925                 --       
                                                                                      1.926                 --       
                                                                                      1.940                 --       
                                                                                      1.912                 --       
Delaware VIP Trust                                                                                                   
 Delaware VIP(R) Small Cap Value Subaccount (Standard Class) (12/13)................  1.459                 --       
                                                                                      1.319                 --       
                                                                                      1.017                 --       
                                                                                      1.098                 --       
                                                                                      1.051                 --       
Fidelity(R) Variable Insurance Products                                                                              
 Fidelity VIP Contrafund(R) Subaccount (Service Class 2) (12/13)....................  8.218                 --       
                                                                                      6.847                 --       
                                                                                      6.439                 --       
                                                                                      6.496                 --       
                                                                                      5.894                 --       

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                  GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                             
                                                                                           UNIT VALUE AT           
                                                                                            BEGINNING OF           
PORTFOLIO NAME                                                                      YEAR        YEAR               
---------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                   
 Fidelity VIP Freedom 2020 Subaccount (5/15)...................................... 2017   16.501                   
                                                                                   2016   15.800                   
                                                                                   2015   16.666                   
 Fidelity VIP Freedom 2025 Subaccount (5/15)...................................... 2017   17.388                   
                                                                                   2016   16.621                   
                                                                                   2015   17.600                   
 Fidelity VIP Freedom 2030 Subaccount (5/15)...................................... 2017   17.260                   
                                                                                   2016   16.438                   
                                                                                   2015   17.524                   
 Fidelity VIP Freedom 2040 Subaccount (5/15)...................................... 2017   23.025                   
                                                                                   2016   21.897                   
                                                                                   2015   23.412                   
 Fidelity VIP Freedom 2050 Subaccount (5/15)...................................... 2017   23.527                   
                                                                                   2016   22.367                   
                                                                                   2015   23.932                   
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 2017   6.499                    
                                                                                   2016   5.883                    
                                                                                   2015   6.059                    
                                                                                   2014   5.789                    
                                                                                   2013   5.518                    
Franklin Templeton Variable Insurance Products Trust                                                               
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 2017   1.205                    
                                                                                   2016   1.040                    
                                                                                   2015   1.310                    
                                                                                   2014   1.449                    
                                                                                   2013   1.411                    
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 2017   3.569                    
                                                                                   2016   3.374                    
                                                                                   2015   3.656                    
                                                                                   2014   4.167                    
                                                                                   2013   3.972                    
Janus Aspen Series                                                                                                 
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2017   7.077                    
                                                                                   2016   6.395                    
                                                                                   2015   6.244                    
                                                                                   2014   5.636                    
                                                                                   2013   5.417                    
Legg Mason Partners Variable Equity Trust                                                                          
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014   4.529                    
                                                                                   2013   4.327                    
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2017   5.698                    
                                                                                   2016   5.259                    
                                                                                   2015   5.244                    
                                                                                   2014   4.786                    
                                                                                   2013   4.589                    
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2017   1.247                    
                                                                                   2016   1.098                    
                                                                                   2015   1.163                    
                                                                                   2014   1.037                    
                                                                                   2013   1.000                    
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2017   2.872                    
                                                                                   2016   2.710                    
                                                                                   2015   2.500                    
                                                                                   2014   2.222                    
                                                                                   2013   2.119                    
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2017   3.048                    
                                                                                   2016   2.918                    
                                                                                   2015   3.092                    
                                                                                   2014   3.010                    
                                                                                   2013   2.828                    
Legg Mason Partners Variable Income Trust                                                                          
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2017   2.935                    
                                                                                   2016   2.844                    
                                                                                   2015   2.847                    
                                                                                   2014   2.894                    
                                                                                   2013   2.887                    


                                                                                                    NUMBER OF UNITS
                                                                                    UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                       END OF YEAR      END OF YEAR  
---------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                   
 Fidelity VIP Freedom 2020 Subaccount (5/15)...................................... 18.937                 --       
                                                                                   16.501                 --       
                                                                                   15.800                 --       
 Fidelity VIP Freedom 2025 Subaccount (5/15)...................................... 20.179                 --       
                                                                                   17.388                 --       
                                                                                   16.621                 --       
 Fidelity VIP Freedom 2030 Subaccount (5/15)...................................... 20.564                 --       
                                                                                   17.260                 --       
                                                                                   16.438                 --       
 Fidelity VIP Freedom 2040 Subaccount (5/15)...................................... 28.023                 --       
                                                                                   23.025                 --       
                                                                                   21.897                 --       
 Fidelity VIP Freedom 2050 Subaccount (5/15)...................................... 28.635                 --       
                                                                                   23.527                 --       
                                                                                   22.367                 --       
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 7.733                  --       
                                                                                   6.499                  --       
                                                                                   5.883                  --       
                                                                                   6.059                  --       
                                                                                   5.789                  --       
Franklin Templeton Variable Insurance Products Trust                                                               
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 1.671                  --       
                                                                                   1.205                  --       
                                                                                   1.040                  --       
                                                                                   1.310                  --       
                                                                                   1.449                  --       
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 4.112                  --       
                                                                                   3.569                  --       
                                                                                   3.374                  --       
                                                                                   3.656                  --       
                                                                                   4.167                  --       
Janus Aspen Series                                                                                                 
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 8.878                  --       
                                                                                   7.077                  --       
                                                                                   6.395                  --       
                                                                                   6.244                  --       
                                                                                   5.636                  --       
Legg Mason Partners Variable Equity Trust                                                                          
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 4.557                  --       
                                                                                   4.529                  --       
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 6.724                  --       
                                                                                   5.698                  --       
                                                                                   5.259                  --       
                                                                                   5.244                  --       
                                                                                   4.786                  --       
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 1.467                  --       
                                                                                   1.247                  --       
                                                                                   1.098                  --       
                                                                                   1.163                  --       
                                                                                   1.037                  --       
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 3.566                  --       
                                                                                   2.872                  --       
                                                                                   2.710                  --       
                                                                                   2.500                  --       
                                                                                   2.222                  --       
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 3.739                  --       
                                                                                   3.048                  --       
                                                                                   2.918                  --       
                                                                                   3.092                  --       
                                                                                   3.010                  --       
Legg Mason Partners Variable Income Trust                                                                          
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 3.064                  --       
                                                                                   2.935                  --       
                                                                                   2.844                  --       
                                                                                   2.847                  --       
                                                                                   2.894                  --       

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                             GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                             
                                                                               UNIT VALUE AT                   NUMBER OF UNITS
                                                                                BEGINNING OF   UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                          YEAR        YEAR        END OF YEAR      END OF YEAR  
---------------------------------------------------------------------- ------ --------------- --------------- ----------------
                                                                                                                              
Trust for Advised Portfolios                                                                                                  
 1919 Variable Socially Responsive Balanced Subaccount (12/13)........ 2017   4.266           4.916           --              
                                                                       2016   4.068           4.266           --              
                                                                       2015   4.193           4.068           --              
                                                                       2014   3.887           4.193           --              
                                                                       2013   3.767           3.887           --              

The date next to each funding option name reflects the date money first came    
into the funding option through the Separate Account.                           

Funding options not listed above had no amounts allocated to them or were not   
available as of December 31, 2017.                                              

Number of Units Outstanding at the end of the year may include units for        
Contracts in payout phase.                                                      

Please see Appendix B for more information on Variable Funding Option mergers,  
substitutions and other changes.                                                

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APPENDIX B  
--------------------------------------------------------------------------------

ADDITIONAL INFORMATION REGARDING THE UNDERLYING FUNDS 

Certain Underlying Funds and Trusts were subject to a merger or name change.    
The charts below identify the former name and new name of each of these         
Underlying Funds, and where applicable, the former name and the new name of the 
trust of which the Underlying Fund is a part.                                   

                                                        [Enlarge/Download Table]
                                                                                                                
Underlying Fund Mergers                                                                                         

The following Underlying Funds were merged:                                                                     

                      Former Name                                               New Name                        
--------------------------------------------------------  ------------------------------------------------------
Brighthouse Funds Trust I                                 Brighthouse Funds Trust I                             
  Schroders Global Multi-Asset Portfolio II Class B         Schroders Global Multi-Asset Portfolio Class B      
   (formerly Pyramis(R) Managed Risk Portfolio Class B)                                                         

Brighthouse Funds Trust II                                Brighthouse Funds Trust II                            
  MFS(R) Value Portfolio II Class B (formerly BlackRock     MFS(R) Value Portfolio Class B                      
   Large Cap Value Portfolio Class B)                                                                           

Underlying Fund Name Changes                                                                                    

The following Underlying Funds were renamed:                                                                    

                      Former Name                                               New Name                        
--------------------------------------------------------  ------------------------------------------------------
Brighthouse Funds Trust I                                 Brighthouse Funds Trust I                             
  Invesco Mid Cap Value Portfolio Class B                   Victory Sycamore Mid Cap Value Class B              

Janus Aspen Series                                        Janus Aspen Series                                    
  Enterprise Portfolio Service Shares                       Janus Henderson Enterprise Portfolio Service Shares 

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APPENDIX C
--------------------------------------------------------------------------------
PORTFOLIO LEGAL AND MARKETING NAMES 

                                                        [Enlarge/Download Table]

            SERIES FUND/TRUST                  PORTFOLIO/SERIES                 MARKETING NAME           
----------------------------------------- ------------------------- -------------------------------------
                                                                                                         
American Funds Insurance Series(R)        Global Growth Fund        American Funds Global Growth Fund    
American Funds Insurance Series(R)        Growth-Income Fund        American Funds Growth-Income         
                                                                    Fund                                 
American Funds Insurance Series(R)        Growth Fund               American Funds Growth Fund           
Fidelity(R) Variable Insurance Products   Contrafund(R) Portfolio   Fidelity VIP Contrafund(R) Portfolio 
Fidelity(R) Variable Insurance Products   Mid Cap Portfolio         Fidelity VIP Mid Cap Portfolio       

ANNUITY CONTRACT LEGAL AND MARKETING NAME 

                                                                [Download Table]

         ANNUITY CONTRACT          MARKETING NAME
--------------------------------- ---------------
                                                 
Registered Fixed Account Option   Fixed Account  

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APPENDIX D
--------------------------------------------------------------------------------
CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION 

The Statement of Additional Information contains more specific information and  
financial statements relating to the Separate Account and the Company. A list   
of the contents of the Statement of Additional Information is set forth below:  

The Insurance Company                                                           

Services                                                                        

Principal Underwriter                                                           

Custodian                                                                       

Distribution and Principal Underwriting Agreement                               

Calculation of Annuity Unit Value                                               

Advertisement of the Separate Account                                           

Taxes                                                                           

Qualified Annuity Contracts                                                   

Types of Qualified Plans                                                      

ERISA                                                                         

Federal Estate Taxes                                                          

Generation-Skipping Transfer Tax                                              

Annuity Purchase Payments By Nonresident Aliens and Foreign Corporations      

Independent Registered Public Accounting Firm                                   

Condensed Financial Information                                                 

Financial Statements                                                            

COPIES OF THE STATEMENT OF ADDITIONAL INFORMATION ARE AVAILABLE WITHOUT CHARGE. 
TO REQUEST A COPY, PLEASE COMPLETE THE COUPON FOUND BELOW AND MAIL IT TO:       
METROPOLITAN LIFE INSURANCE COMPANY, ATTN: FULFILLMENT UNIT -- GOLD TRACK       
SELECT, P.O. BOX 10342, DES MOINES, IA 50306.                                   

Name:_______________________________________________________________            

Address:_____________________________________________________________           

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APPENDIX E
-                                                             
--------------------------------------------------------------------------------
COMPETING FUNDS 

The Underlying Funds listed below are Competing Funds: defined as any           
investment option under the Plan which, in Our opinion consists primarily of    
fixed income securities and/or money market instruments.                        

o   BlackRock Bond Income Portfolio                                       

o   BlackRock High Yield Portfolio                                        

o   BlackRock Ultra-Short Term Bond Portfolio                             

o   MetLife Aggregate Bond Index Portfolio                                

o   Western Asset Core Plus VIT Portfolio                                 

o   PIMCO Inflation Protected Bond Portfolio                              

o   PIMCO Total Return Portfolio                                          

o   Western Asset Management Strategic Bond Opportunities Portfolio       

o   Western Asset Management U.S. Government Portfolio                    

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GOLD TRACK SELECT 

STATEMENT OF ADDITIONAL INFORMATION 

DATED 

APRIL 30, 2018

FOR VARIABLE ANNUITY CONTRACTS

ISSUED BY 

METROPOLITAN LIFE INSURANCE COMPANY 

This Statement of Additional Information ("SAI") is not a prospectus but        

relates to, and should be read in conjunction with, the Prospectus dated April  

30, 2018. A copy of the Variable Annuity Contract Prospectus may be obtained by 

writing to Metropolitan Life Insurance Company, 4700 Westown Parkway, Ste. 200, 

West Des Moines, IA 50266, or by calling 1-800-842-9406, or by accessing the    

Securities and Exchange Commission's website at http://www.sec.gov.             
                                  ------------------

The SAI contains information in addition to the information described in the    
Prospectus for the Variable Annuity Contracts (the "Contract(s)") offered by    
Metropolitan Life Insurance Company ("we", "our", or the "Company").            

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TABLE OF CONTENTS 

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                                                                                    PAGE
                                                                                   -----
                                                                                        
THE INSURANCE COMPANY.............................................................    2 
SERVICES..........................................................................    2 
PRINCIPAL UNDERWRITER.............................................................    2 
CUSTODIAN.........................................................................    2 
DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT.................................    2 
CALCULATION OF ANNUITY UNIT VALUE.................................................    3 
ADVERTISEMENT OF THE SEPARATE ACCOUNT.............................................    3 
TAXES.............................................................................    5 
   Qualified Annuity Contracts....................................................    5 
   Types of Qualified Plans.......................................................    5 
   ERISA..........................................................................    6 
   Federal Estate Taxes...........................................................    7 
   Generation-Skipping Transfer Tax...............................................    7 
   Annuity Purchase Payments By Nonresident Aliens and Foreign Corporations.......    7 
INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM.....................................    7 
CONDENSED FINANCIAL INFORMATION -- Gold Track Select MLIC.........................    8 
FINANCIAL STATEMENTS..............................................................   26 

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THE INSURANCE COMPANY 

Metropolitan Life Insurance Company is a provider of insurance, annuities,      
employee benefits and asset management. We are also one of the largest          
institutional investors in the United States with a $270.2 billion general      
account portfolio invested primarily in investment grade corporate bonds,       
structured finance securities, mortgage loans and U.S. Treasury and agency      
securities, as well as real estate and corporate equity, at December 31, 2017.  
The Company was incorporated under the laws of New York in 1868. The Company's  
office is located at 200 Park Avenue New York, New York 10166-0188. The Company 
is a wholly-owned subsidiary of MetLife, Inc. The office that administers Your  
Contract is located at 4700 Westown Parkway, Ste 200, West Des Moines, IA       
50266.                                                                          

Prior to November 17, 2014, the Contract was issued by MetLife Insurance        
Company of Connecticut ("MICC").                                                

State Regulation                                                                

The Company is subject to the laws of the State of New York governing insurance 
companies and to regulation by the Superintendent of the Department of          
Financial Services ("Superintendent"). An annual statement covering the         
operations of the Company for the preceding year, as well as its financial      
conditions as of December 31 of such year, must be filed with the               
Superintendent in a prescribed format on or before March 1 of each year. The    
Company's books and assets are subject to review or examination by the          
Superintendent or his agents at all times, and a full examination of its        
operations is conducted at least once every four years.                         

The Company is also subject to the insurance laws and regulations of all other  
states in which it is licensed to operate. However, the insurance departments   
of each of these states generally apply the laws of the home state              
(jurisdiction of domicile) in determining the field of permissible investments. 

SERVICES

FAScore LLC ("Fascore"), which has its principal office at 8525 East Orchard    
Road, Greenwood Village, Colorado 80111, provides recordkeeping services to us  
in connection with our administration of the Preference Plus Account, Enhanced  
Preference Plus Account, Financial Freedom Account Contract and Gold Track      
Select products. Fascore is not affiliated with us, the Separate Account or any 
of our affiliates, including the Contract's principal underwriter, MetLife      
Investors Distribution Company ("MLIDC"). We pay Fascore for its services an    
annual base fee and/or annual per participant charge for each plan account      
under the Contract. Fascore also charges us for each loan taken under the       
Contract a loan initiation fee and loan maintenance fee.                        

Recordkeeping fees paid to Fascore in 2017 were $1,328,492.                     

Recordkeeping fees paid to Fascore in 2016 were $2,882,135.                     

Recordkeeping fees paid to Fascore in 2015 were $2,936,259.                     

PRINCIPAL UNDERWRITER 

MetLife Investors Distribution Company ("MLIDC") serves as principal            
underwriter for the Separate Account and the Contracts. The offering is         
continuous. MLIDC's principal executive offices are located at 200 Park Avenue, 
New York, NY 10166. MLIDC is affiliated with the Company and the Separate       
Account.                                                                        

CUSTODIAN 

Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166, is    
the custodian of the assets of the Separate Account. The custodian has custody  
of all cash of the Separate Account and handles the collection of proceeds of   
shares of the Underlying Funds bought and sold by the Separate Account.         

DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT 

Information about the distribution of the Contracts is contained in the         
prospectus (see "Other Information -- Distribution of the Contracts").          
Additional information is provided below.                                       

Under the terms of the Distribution and Principal Underwriting Agreement among  
the Separate Account, MLIDC and the Company, MLIDC acts as agent for the        
distribution of the Contracts and as principal underwriter for the Contracts.   
The Company reimburses MLIDC for certain sales and overhead expenses connected  
with sales functions.                                                           

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The following table shows the amount of commissions paid to and the amount of   
commissions retained by the Distributor and Principal Underwriter over the past 
three years.                                                                    

UNDERWRITING COMMISSIONS
------------------------                                                        

                                                                [Download Table]

              UNDERWRITING COMMISSIONS PAID     AMOUNT OF UNDERWRITING   
                TO THE DISTRIBUTOR BY THE     COMMISSIONS RETAINED BY THE
    YEAR                 COMPANY                      DISTRIBUTOR        
------------ ------------------------------- ----------------------------
                                                                         
 2017........$                               $0                          
 2016........$105,828,670                    $0                          
 2015........$118,054,844                    $0                          

MLIDC passes through commissions to selling firms for their sales. In addition  
we pay compensation to MLIDC to offset its expenses, including compensation     
costs, marketing and distribution expenses, advertising, wholesaling, printing, 
and other expenses of distributing the contracts.                               

REDUCTION OR ELIMINATION OF THE WITHDRAWAL CHARGE. We may reduce or eliminate   
the withdrawal charge under the Contract when certain sales or administration   
of the Contract result in savings or reduced expenses and/or risks. We will not 
reduce or eliminate the withdrawal charge where such reduction or elimination   
would be unfairly discriminatory to any person.                                 

CALCULATION OF ANNUITY UNIT VALUE 

The initial Annuity Unit Value applicable to each Division was established at   
$1.00. An Annuity Unit Value as of any business day is equal to (a) the value   
of the Annuity Unit on the preceding business day, multiplied by (b) the        
corresponding net investment factor for the business day just ended, divided by 
(c) the assumed net investment factor for the Valuation Period. (For example,   
the assumed net investment factor based on an annual assumed net investment     
rate of 3.0% for a Valuation Period of one day is 1.000081 and, for a period of 
two days, is 1.000162.)                                                         

ADVERTISEMENT OF THE SEPARATE ACCOUNT 

From time to time We advertise the performance of various Separate Account      
Divisions. For the Divisions, this performance will be stated in terms of       
either "yield", "change in Accumulation Unit Value," "change in Annuity Unit    
Value" or "average annual total return" or some combination of the foregoing.   
Yield, change in Accumulation Unit Value, change in Annuity Unit Value and      
average annual total return figures are based on historical earnings and are    
not intended to indicate future performance. Yield figures quoted in            
advertisements state the net income generated by an investment in a particular  
Division for a thirty-day period or month, which is specified in the            
advertisement, and then expressed as a percentage yield of that investment.     
Yield is calculated by dividing the net investment income per share earned      
during the period by the maximum offering price per share on the last day of    
the period, according to this formula 2[(a-b/cd+1)6-1], where "a" represents    
dividends and interest earned during the period; "b" represents expenses        
accrued for the period (net of reimbursements); "c" represents the average      
daily number of shares outstanding during the period that were entitled to      
receive dividends; and "d" represents the maximum offering price per share on   
the last day of the period. This percentage yield is then compounded            
semiannually. For the money market Division, We state yield for a seven day     
period. Change in Accumulation Unit Value or Annuity Unit Value ("Non-Standard  
Performance") refers to the comparison between values of accumulation units or  
annuity units over specified periods in which a Division has been in operation, 
expressed as a percentages and may also be expressed as an annualized figure.   
In addition, change in Accumulation Unit Value or Annuity Unit Value may be     
used to illustrate performance for a hypothetical investment (such as $10,000)  
over the time period specified. Change in Accumulation Unit Value is expressed  
by this formula [UV\1\/UV\0\ (annualization factor)]-1, where UV\1\ represents  
the current unit value and UV\0\ represents the prior unit value. The           
annualization factor can be either (1/number of years) or (365/number of days). 
Yield and change in Accumulation Unit Value figures do not reflect the possible 
imposition of a Withdrawal Charge for the Contracts, of up to 9% of the amount  
withdrawn attributable to a purchase payment, which may result in a lower       
figure being experienced by the investor. Average annual total return           
("Standard Performance") differs from the change in Accumulation Unit Value and 
Annuity Unit Value because it assumes a steady rate of return and reflects all  
expenses and applicable withdrawal charges. Average annual total return is      
calculated by finding the average annual compounded rates of return over the    
1-, 5-, and 10-year periods that would equate the initial amount invested to    
the ending redeemable value, according to this formula P(1+T)n=ERV, where "P"   
represents a hypothetical initial payment of $1,000; "T" represents average     
annual total return; "n" represents number of years; and "ERV"                  

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represents ending redeemable value of a hypothetical $1,000 payment made at the 
beginning of 1-, 5-, or 10-year periods at the end of the 1-, 5-, or 10-year    
period (or fractional portion). Performance figures will vary among the various 
classes of the Contracts and the Divisions as a result of different Separate    
Account charges and withdrawal charges since the Division inception date, which 
is the date the corresponding Portfolio or predecessor Portfolio was first      
offered under the Separate Account that funds the Contract.                     

Performance may be calculated based upon historical performance of the          
underlying Portfolios of the Brighthouse Funds Trust I, Brighthouse Funds Trust 
II, and American Funds(Reg. TM) and may assume that the Contracts were in       
existence prior to their inception date. After the inception date, actual       
Accumulation Unit or Annuity Unit data is used.                                 

Historical performance information should not be relied on as a guarantee of    
future performance results.                                                     

Advertisements regarding the Separate Account may contain comparisons of        
hypothetical after-tax returns of currently taxable investments versus returns  
of tax deferred investments. From time to time, the Separate Account may        
compare the performance of its Divisions with the performance of common stocks, 
long-term government bonds, long-term corporate bonds, intermediate-term        
government bonds, Treasury Bills, certificates of deposit and savings accounts. 
The Separate Account may use the Consumer Price Index in its advertisements as  
a measure of inflation for comparison purposes. From time to time, the Separate 
Account may advertise its performance ranking among similar investments or      
compare its performance to averages as compiled by independent organizations,   
such as Lipper Analytical Services, Inc., Morningstar, Inc., VARDS(Reg. TM) and 
The Wall Street Journal. The Separate Account may also advertise its            
performance in comparison to appropriate indices, such as the Standard & Poor's 
500 Composite Stock Price Index, the Standard & Poor's Mid Cap 400 Index, the   
Standard & Poor's North American Technology Sector Index, the Standard & Poor's 
North American Natural Resources Sector Index, the S&P/LSTA Leveraged Loan      
Index, the Russell 3000 Growth Index, the Russell 3000 Value Index, the Russell 
2000(Reg. TM) Index, the Russell MidCap Index, the Russell MidCap Growth Index, 
the Russell MidCap Value Index, the Russell 2000(Reg. TM) Growth Index, the     
Russell 2000(Reg. TM) Value Index, the Russell 1000 Index, the Russell 1000     
Growth Index, the Russell 1000 Value Index, the NASDAQ Composite Index, the     
MSCI World Index, the MSCI All Country World Index, the MSCI All Country World  
ex- U.S. Index, the MSCI World ex-U.S. Small Cap Index, the MSCI All Country    
World Small Cap Index, the MSCI U.S. Small Cap Growth Index, the MSCI Emerging  
Markets Index, the MSCI EAFE(Reg. TM) Index, the Lipper Intermediate Investment 
Grade Debt Funds Average, the Lipper Global Small-Cap Funds Average, the Lipper 
Capital Appreciation Funds Index, the Lipper Growth Funds Index, the Lipper     
Growth & Income Funds Index, the Dow Jones Moderate Index, the Dow Jones        
Moderately Aggressive Index, the Dow Jones Moderately Conservative Index, the   
Dow Jones Aggressive Index, the Dow Jones Conservative Index, the Dow Jones     
U.S. Small-Cap Total Stock Market Index, the Citigroup World Government Bond    
Index, the Citigroup World Government Bond Index (WGBI) ex-U.S., the Bloomberg  
Barclays U.S. Aggregate Bond Index, the Bloomberg Barclays U.S. Credit Index,   
the Bloomberg Barclays U.S. Government/Credit 1-3 Year Index, the Bloomberg     
Barclays U.S. TIPS Index, the Bloomberg Barclays U.S. Universal Index, the      
Bloomberg Barclays U.S. Government Bond Index, the Bloomberg Barclays U.S.      
Intermediate Government Bond Index, the Bank of America Merrill Lynch High      
Yield Master II Constrained Index and Hybrid Index and the Bank of America      
Merrill Lynch 3-Month U.S. Treasury Bill Index. For purposes of presentation of 
Non-Standard Performance, We may assume the Contracts were in existence prior   
to the inception date of the Divisions in the Separate Account. In these cases, 
We calculate performance based on the historical performance of the Underlying  
Funds for Brighthouse Funds Trust I, Brighthouse Funds Trust II, and American   
Funds(TM) since the Portfolio inception date. We use the actual Accumulation    
Unit or Annuity Unit data after the inception date. Any performance data that   
includes all or a portion of the time between the Portfolio inception date and  
the Division inception date is hypothetical. Hypothetical returns indicate what 
the performance data would have been if the Contract had been introduced as of  
the Portfolio inception date. We may also present average annual total return   
calculations which reflect all Separate Account charges and applicable          
withdrawal charges since the Portfolio inception date. We use the actual        
Accumulation Unit or Annuity Unit data after the inception date. Any            
performance data that includes all or a portion of the time between the         
Portfolio inception date and the Division inception date is hypothetical.       
Hypothetical returns indicate what the performance data would have been if the  
Contracts had been introduced as of the Portfolio inception date.               

Past performance is no guarantee of future results.                             

We may demonstrate hypothetical future values of Contract Values over a         
specified period based on assumed rates of return (which will not exceed 12%    
and which will include an assumption of 0% as well) for the Portfolios. These   
presentations reflect the deduction of the Separate Account charge, the Annual  
Contract Fee, if any, and the weighted average of investment-related charges    
for all Portfolios to depict investment-related charges.                        

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We may demonstrate hypothetical future values of Contract Values for a specific 
Portfolio based upon the assumed rates of return previously described, the      
deduction of the Separate Account charge and the Annual Contract Fee, if any,   
and the investment-related charges for the specific Portfolio to depict         
investment-related charges.                                                     

We may demonstrate the hypothetical historical value of each optional benefit   
for a specified period based on historical net asset values of the Portfolios   
and the annuity purchase rate, if applicable, either for an individual for whom 
the illustration is to be produced or based upon certain assumed factors (e.g., 
male, age 65). These presentations reflect the deduction of the Separate        
Account charge and the Annual Contract Fee, if any, the investment-related      
charge and the charge for the optional benefit being illustrated.               

We may demonstrate hypothetical future values of each optional benefit over a   
specified period based on assumed rates of return (which will not exceed 12%    
and which will include an assumption of 0% as well) for the Portfolios, the     
annuity purchase rate, if applicable, either for an individual for whom the     
illustration is to be produced or based upon certain assumed factors (e.g.,     
male, age 65). These presentations reflect the deduction of the Separate        
Account charge and the Annual Contract Fee, if any, the weighted average of     
investment-related charges for all Portfolios to depict investment-related      
charges and the charge for the optional benefit being illustrated.              

We may demonstrate hypothetical values of income payments over a specified      
period based on historical net asset values of the Portfolios and the           
applicable annuity purchase rate, either for an individual for whom the         
illustration is to be produced or based upon certain assumed factors (e.g.,     
male, age 65). These presentations reflect the deduction of the Separate        
Account charge, the investment-related charge and the Annual Contract Fee, if   
any.                                                                            

We may demonstrate hypothetical future values of income payments over a         
specified period based on assumed rates of return (which will not exceed 12%    
and which will include an assumption of 0% as well) for the Portfolios, the     
applicable annuity purchase rate, either for an individual for whom the         
illustration is to be produced or based upon certain assumed factors (e.g.,     
male, age 65). These presentations reflect the deduction of the Separate        
Account charge, the Annual Contract Fee, if any, and the weighted average of    
investment-related charges for all Portfolios to depict investment-related      
charges.                                                                        

Any illustration should not be relied on as a guarantee of future results.      

TAXES 

QUALIFIED ANNUITY CONTRACTS                                                     

Annuity Contracts purchased through tax qualified plans are subject to          
limitations imposed by the Code and regulations as a condition of tax           
qualification. There are various types of tax qualified plans which have        
certain beneficial tax consequences for Contract Owners and plan participants.  

TYPES OF QUALIFIED PLANS                                                        

The following list includes individual account-type plans which may hold an     
Annuity Contract as described in the Prospectus. Except for Traditional IRAs,   
they are established by an employer for participation of its employees.         

401(K), 401(A)                                                                  

Established by for-profit employers, Section 501(c)(3) tax exempt and non-tax   
exempt entities, Indian Tribes.                                                 

403(B) TAX SHELTERED ANNUITY ("TSA")                                            

Established by Section 501(c)(3) tax exempt entities, public schools (K-12),    
public colleges, universities, churches, synagogues and mosques.                

457(B) GOVERNMENTAL SPONSOR                                                     

Established by state and local governments, public schools (K-12), public       
colleges and universities.                                                      

457(B) NON-GOVERNMENTAL SPONSOR                                                 

Established by a tax-exempt entity. Under a non-governmental plan, which must   
be a tax-exempt entity under Section 501(c) of the Code, all such investments   
of the plan are owned by and are subject to the claims of the general creditors 
of the sponsoring employer. In general, all amounts received under a            
non-governmental Section 457(b) plan are taxable and are subject to Federal     
income tax withholding as wages.                                                

Additional information regarding 457(b) plans                                   

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A 457(b) plan may provide a one-time election to make special one-time          
"catch-up" contributions in one or more of the participant's last three taxable 
years ending before the participant's normal retirement age under the plan.     
Participants in governmental 457(b) plans may make two types of catch-up        
contributions, the age 50 or older catch-up and the special one-time catch-up   
contribution. However, both catch-up contribution types cannot be made in the   
same taxable year. In general, contribution limits with respect to elective     
deferral and to age 50 plus catch-up contributions are not aggregated with      
contributions under the other types of qualified plans for the purposes of      
determining the limitations applicable to participants.                         

403(A)                                                                          

If your benefit under the 403(b) plan is worth more than $5,000, the Code       
requires that your annuity protect your spouse if You die before You receive    
any payments under the annuity or if You die while payments are being made. You 
may waive these requirements with the written consent of your spouse. In        
general, designating a beneficiary other than your spouse is considered a       
waiver and requires your spouse's written consent. Waiving these requirements   
may cause your monthly benefit to increase during your lifetime. Special rules  
apply to the withdrawal of excess contributions.                                

ERISA                                                                           

If your plan is subject to ERISA and You are married, the income payments,      
withdrawal provisions, and methods of payment of the death benefit under your   
Contract may be subject to your spouse's rights as described below.             

Generally, the spouse must give qualified consent whenever You elect to:        

1.  Choose income payments other than on a qualified joint and survivor   
    annuity basis ("QJSA") (one under which we make payments to You during
      your lifetime and then make payments reduced by no more than 50% to your
   spouse for his or her remaining life, if any): or choose to waive the
     qualified pre-retirement survivor annuity benefit ("QPSA") (the benefit
     payable to the surviving spouse of a participant who dies with a vested
     interest in an accrued retirement benefit under the plan before payment
of the benefit has begun);                                        

   2.  Make certain withdrawals under plans for which a qualified consent is
required;                                                                       

3.  Name someone other than the spouse as your beneficiary; or        

4.  Use your accrued benefit as security for a loan exceeding $5,000. 

Generally, there is no limit to the number of your elections as long as a       
qualified consent is given each time. The consent to waive the QJSA must meet   
certain requirements, including that it be in writing, that it acknowledges the 
identity of the designated beneficiary and the form of benefit selected, dated, 
signed by your spouse, witnessed by a notary public or plan representative, and 
that it be in a form satisfactory to us. The waiver of the QJSA generally must  
be executed during the 180 day period (90 days for certain loans) ending on the 
date on which income payments are to commence, or the withdrawal or the loan is 
to be made, as the case may be. If You die before benefits commence, your       
surviving spouse will be your beneficiary unless he or she has given a          
qualified consent otherwise.                                                    

The qualified consent to waive the QPSA benefit and the beneficiary designation 
must be made in writing that acknowledges the designated beneficiary, dated,    
signed by your spouse, witnessed by a notary public or plan representative and  
in a form satisfactory to us. Generally, there is no limit to the number of     
beneficiary designations as long as a qualified consent accompanies each        
designation. The waiver of and the qualified consent for the QPSA benefit       
generally may not be given until the plan year in which You attain age 35. The  
waiver period for the QPSA ends on the date of your death.                      

If the present value of your benefit is worth $5,000 or less, your Plan         
generally may provide for distribution of your entire interest in a lump sum    
without spousal consent.                                                        

Comparison of Plan Limits for Individual Contributions:                         

                                                                [Download Table]

   PLAN TYPE       ELECTIVE CONTRIBUTION   CATCH-UP CONTRIBUTION
                                                                
401(k)                    $18,500                 $6,000        
401(a)                      (Employer contributions only)       
403(b) (TSA)              $18,500                 $6,000        
457(b)                    $18,500                 $6,000        

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Dollar limits are for 2018 and subject to cost-of-living adjustments in future  
years. Employer-sponsored individual account plans (other than 457(b) plans)    
may provide for additional employer contributions such that annual plan         
contributions do not to exceed the lesser of $55,000 or 100% of an employee's   
compensation for 2018.                                                          

FEDERAL ESTATE TAXES                                                            

While no attempt is being made to discuss the Federal estate tax implications   
of the Contract, You should bear in mind that the value of an annuity contract  
owned by a decedent and payable to a beneficiary by virtue of surviving the     
decedent is included in the decedent's gross estate. Depending on the terms of  
the annuity contract, the value of the annuity included in the gross estate may 
be the value of the lump sum payment payable to the designated beneficiary or   
the actuarial value of the payments to be received by the beneficiary. Consult  
an estate planning adviser for more information.                                

GENERATION-SKIPPING TRANSFER TAX                                                

Under certain circumstances, the Code may impose a "generation-skipping         
transfer tax" when all or part of an annuity contract is transferred to, or a   
death benefit is paid to, an individual two or more generations younger than    
the Contract Owner. Regulations issued under the Code may require us to deduct  
the tax from your contract, or from any applicable payment, and pay it directly 
to the IRS.                                                                     

ANNUITY PURCHASE PAYMENTS BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS        

The discussion above provides general information regarding U.S. Federal income 
tax consequences to annuity purchasers that are U.S. citizens or residents.     
Purchasers that are not U.S. citizens or residents will generally be subject to 
U.S. Federal withholding tax on taxable distributions from annuity contracts at 
a 30% rate, unless a lower treaty rate applies. In addition, purchasers may be  
subject to state and/or municipal taxes and taxes that may be imposed by the    
purchaser's country of citizenship or residence. Prospective purchasers are     
advised to consult with a qualified tax adviser regarding U.S., state and       
foreign taxation with respect to an annuity contract purchase.                  

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

The financial statements and financial highlights comprising each of the        
Divisions of Metropolitan Life Separate Account E included in this Statement of 
Additional Information, have been audited by Deloitte & Touche LLP, an          
independent registered public accounting firm, as stated in their report        
appearing herein. Such financial statements and financial highlights are        
included in reliance upon the report of such firm given upon their authority as 
experts in accounting and auditing.                                             

The consolidated financial statements and related financial statement schedules 
of Metropolitan Life Insurance Company and subsidiaries included in this        
Statement of Additional Information, have been audited by Deloitte & Touche     
LLP, an independent registered public accounting firm, as stated in their       
report appearing herein. Such financial statements and financial statement      
schedules are included in reliance upon the report of such firm given upon      
their authority as experts in accounting and auditing.                          

The principal business address of Deloitte & Touche LLP is 30 Rockefeller       
Plaza, New York, New York 10112-0015.                                           

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CONDENSED FINANCIAL INFORMATION --
Gold Track Select MLIC
--------------------------------------------------------------------------------
The following tables provide the Accumulation Unit Values information for the   
MID-RANGE combinations of separate account charges. The Accumulation Unit Value 
information for the minimum separate account charge and the maximum variable    
account charge are contained in the Prospectus.                                 

                                                        [Enlarge/Download Table]

                                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60%                                    
                                                                                                   UNIT      UNIT     NUMBER OF 
                                                                                                  VALUE      VALUE      UNITS   
                                                                                                    AT        AT     OUTSTANDING
                                                                                                BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                           YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                                
American Funds Insurance Series(Reg. TM)                                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)............................. 2017    4.708       6.153        --     
                                                                                        2016    4.708       4.708        --     
                                                                                        2015    4.429       4.708        --     
                                                                                        2014    4.355       4.429        --     
                                                                                        2013    4.152       4.355        --     
 American Funds Growth Subaccount (Class 2) (12/13).................................... 2017   35.005      44.640        --     
                                                                                        2016   32.164      35.005        --     
                                                                                        2015   30.281      32.164        --     
                                                                                        2014   28.074      30.281        --     
                                                                                        2013   26.921      28.074        --     
 American Funds Growth-Income Subaccount (Class 2) (12/13)............................. 2017   24.118      29.341        --     
                                                                                        2016   21.757      24.118        --     
                                                                                        2015   21.574      21.757        --     
                                                                                        2014   19.618      21.574        --     
                                                                                        2013   18.813      19.618        --     
Brighthouse Funds Trust I                                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)............................... 2017    3.487       3.746        --     
                                                                                        2016    3.070       3.487        --     
                                                                                        2015    3.209       3.070        --     
                                                                                        2014    3.122       3.209        --     
                                                                                        2013    3.098       3.122        --     
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)................... 2017    1.880       2.297        --     
                                                                                        2016    1.735       1.880        --     
                                                                                        2015    1.782       1.735        --     
                                                                                        2014    1.706       1.782        --     
                                                                                        2013    1.635       1.706        --     
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................ 2017    3.296       3.660        --     
                                                                                        2016    2.526       3.296        --     
                                                                                        2015    2.687       2.526        --     
                                                                                        2014    2.658       2.687        --     
                                                                                        2013    2.554       2.658        --     
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)....... 2017    1.067       1.364        --     
                                                                                        2016    0.960       1.067        --     
                                                                                        2015    1.119       0.960        --     
                                                                                        2014    1.200       1.119        --     
                                                                                        2013    1.181       1.200        --     
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).......... 2017    1.995       2.418        --     
                                                                                        2016    1.853       1.995        --     
                                                                                        2015    1.785       1.853        --     
                                                                                        2014    1.580       1.785        --     
                                                                                        2013    1.511       1.580        --     
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)......................... 2017    2.078       2.292        --     
                                                                                        2016    2.067       2.078        --     
                                                                                        2015    2.105       2.067        --     
                                                                                        2014    1.863       2.105        --     
                                                                                        2013    1.806       1.863        --     
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)................... 2017   45.043      45.043        --     
                                                                                        2016   45.043      45.043        --     
                                                                                        2015   45.043      45.043        --     
                                                                                        2014   43.115      45.043        --     
                                                                                        2013   41.025      43.115        --     
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)...................... 2017    1.647       1.938        --     
                                                                                        2016    1.613       1.647        --     
                                                                                        2015    1.691       1.613        --     
                                                                                        2014    1.431       1.691        --     
                                                                                        2013    1.363       1.431        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 2017   1.457         
                                                                                           2016   1.360         
                                                                                           2015   1.378         
                                                                                           2014   1.307         
                                                                                           2013   1.272         
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 2017   1.477         
                                                                                           2016   1.363         
                                                                                           2015   1.382         
                                                                                           2014   1.307         
                                                                                           2013   1.261         
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 2017   1.419         
                                                                                           2016   1.334         
                                                                                           2015   1.352         
                                                                                           2014   1.282         
                                                                                           2013   1.256         
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2017   2.766         
                                                                                           2016   2.566         
                                                                                           2015   2.698         
                                                                                           2014   2.873         
                                                                                           2013   2.736         
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 2017   1.253         
                                                                                           2016   1.075         
                                                                                           2015   1.150         
                                                                                           2014   1.058         
                                                                                           2013   1.012         
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 2017   3.311         
                                                                                           2016   2.982         
                                                                                           2015   3.043         
                                                                                           2014   2.830         
                                                                                           2013   2.702         
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2017   2.644         
                                                                                           2016   2.033         
                                                                                           2015   2.205         
                                                                                           2014   2.120         
                                                                                           2013   2.030         
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 2017   3.585         
                                                                                           2016   3.468         
                                                                                           2015   3.556         
                                                                                           2014   3.403         
                                                                                           2013   3.376         
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 2017   1.261         
                                                                                           2016   1.215         
                                                                                           2015   1.238         
                                                                                           2014   1.140         
                                                                                           2013   1.112         
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 2017   1.706         
                                                                                           2016   1.731         
                                                                                           2015   1.773         
                                                                                           2014   1.917         
                                                                                           2013   1.832         
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............................. 2017   1.085         
                                                                                           2016   1.089         
                                                                                           2015   1.055         
                                                                                           2014   1.040         
                                                                                           2013   0.992         
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)........................ 2017   1.005         
                                                                                           2016   0.962         
                                                                                           2015   0.997         
                                                                                           2014   0.972         
                                                                                           2013   0.978         
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).................................... 2017   2.022         
                                                                                           2016   1.982         
                                                                                           2015   1.994         
                                                                                           2014   1.926         
                                                                                           2013   1.933         
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).......................................... 2017   3.312         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 1.693    --          
                                                                                           1.457    --          
                                                                                           1.360    --          
                                                                                           1.378    --          
                                                                                           1.307    --          
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 1.781    --          
                                                                                           1.477    --          
                                                                                           1.363    --          
                                                                                           1.382    --          
                                                                                           1.307    --          
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 1.594    --          
                                                                                           1.419    --          
                                                                                           1.334    --          
                                                                                           1.352    --          
                                                                                           1.282    --          
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 3.596    --          
                                                                                           2.766    --          
                                                                                           2.566    --          
                                                                                           2.698    --          
                                                                                           2.873    --          
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 1.470    --          
                                                                                           1.253    --          
                                                                                           1.075    --          
                                                                                           1.150    --          
                                                                                           1.058    --          
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 4.134    --          
                                                                                           3.311    --          
                                                                                           2.982    --          
                                                                                           3.043    --          
                                                                                           2.830    --          
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2.724    --          
                                                                                           2.644    --          
                                                                                           2.033    --          
                                                                                           2.205    --          
                                                                                           2.120    --          
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 3.585    --          
                                                                                           3.585    --          
                                                                                           3.468    --          
                                                                                           3.556    --          
                                                                                           3.403    --          
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 1.448    --          
                                                                                           1.261    --          
                                                                                           1.215    --          
                                                                                           1.238    --          
                                                                                           1.140    --          
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 2.173    --          
                                                                                           1.706    --          
                                                                                           1.731    --          
                                                                                           1.773    --          
                                                                                           1.917    --          
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............................. 1.475    --          
                                                                                           1.085    --          
                                                                                           1.089    --          
                                                                                           1.055    --          
                                                                                           1.040    --          
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)........................ 1.037    --          
                                                                                           1.005    --          
                                                                                           0.962    --          
                                                                                           0.997    --          
                                                                                           0.972    --          
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).................................... 2.100    --          
                                                                                           2.022    --          
                                                                                           1.982    --          
                                                                                           1.994    --          
                                                                                           1.926    --          
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).......................................... 3.312    --          

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                            GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                             
                                                                                                UNIT      UNIT     NUMBER OF 
                                                                                               VALUE      VALUE      UNITS   
                                                                                                 AT        AT     OUTSTANDING
                                                                                             BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                        YEAR    OF YEAR     YEAR    END OF YEAR
------------------------------------------------------------------------------------ ------ ----------- -------- ------------
                                                                                                                             
                                                                                     2016    3.282       3.312        --     
                                                                                     2015    3.300       3.282        --     
                                                                                     2014    2.986       3.300        --     
                                                                                     2013    2.874       2.986        --     
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)........................ 2017    3.495       3.495        --     
                                                                                     2016    3.399       3.495        --     
                                                                                     2015    3.464       3.399        --     
                                                                                     2014    3.332       3.464        --     
                                                                                     2013    3.321       3.332        --     
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13)....... 2017    1.191       1.379        --     
                                                                                     2016    1.146       1.191        --     
                                                                                     2015    1.168       1.146        --     
                                                                                     2014    1.081       1.168        --     
                                                                                     2013    1.055       1.081        --     
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................... 2017   10.418      12.111        --     
                                                                                     2016    9.040      10.418        --     
                                                                                     2015    9.432       9.040        --     
                                                                                     2014    8.376       9.432        --     
                                                                                     2013    8.069       8.376        --     
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13).................. 2017    4.565       4.967        --     
                                                                                     2016    3.976       4.565        --     
                                                                                     2015    4.394       3.976        --     
                                                                                     2014    4.032       4.394        --     
                                                                                     2013    3.866       4.032        --     
Brighthouse Funds Trust II                                                                                                   
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13).......................... 2017    8.580       8.879        --     
                                                                                     2016    8.370       8.580        --     
                                                                                     2015    8.371       8.370        --     
                                                                                     2014    7.864       8.371        --     
                                                                                     2013    7.876       7.864        --     
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)................. 2017    5.846       7.783        --     
                                                                                     2016    5.876       5.846        --     
                                                                                     2015    5.562       5.876        --     
                                                                                     2014    5.138       5.562        --     
                                                                                     2013    4.887       5.138        --     
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)...................... 2017    2.126       2.268        --     
                                                                                     2016    1.811       2.126        --     
                                                                                     2015    1.942       1.811        --     
                                                                                     2014    1.781       1.942        --     
                                                                                     2013    1.712       1.781        --     
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)................ 2017    2.980       2.989        --     
                                                                                     2016    2.988       2.980        --     
                                                                                     2015    3.006       2.988        --     
                                                                                     2014    3.024       3.006        --     
                                                                                     2013    3.025       3.024        --     
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)................ 2017    1.585       1.685        --     
                                                                                     2016    1.526       1.585        --     
                                                                                     2015    1.544       1.526        --     
                                                                                     2014    1.487       1.544        --     
                                                                                     2013    1.476       1.487        --     
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)................ 2017    1.689       1.858        --     
                                                                                     2016    1.602       1.689        --     
                                                                                     2015    1.629       1.602        --     
                                                                                     2014    1.562       1.629        --     
                                                                                     2013    1.536       1.562        --     
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)................ 2017    1.766       2.014        --     
                                                                                     2016    1.659       1.766        --     
                                                                                     2015    1.690       1.659        --     
                                                                                     2014    1.619       1.690        --     
                                                                                     2013    1.575       1.619        --     
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)................ 2017    1.817       2.153        --     
                                                                                     2016    1.691       1.817        --     
                                                                                     2015    1.730       1.691        --     
                                                                                     2014    1.654       1.730        --     
                                                                                     2013    1.596       1.654        --     
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)................ 2017    8.586       9.827        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2016   8.073         
                                                                                           2015   7.918         
                                                                                           2014   7.205         
                                                                                           2013   6.994         
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 2017   6.635         
                                                                                           2016   6.218         
                                                                                           2015   6.109         
                                                                                           2014   5.555         
                                                                                           2013   5.311         
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 2017   9.207         
                                                                                           2016   8.796         
                                                                                           2015   8.610         
                                                                                           2014   7.800         
                                                                                           2013   7.512         
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 2017   1.264         
                                                                                           2016   1.270         
                                                                                           2015   1.153         
                                                                                           2014   1.064         
                                                                                           2013   1.018         
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 2017   2.030         
                                                                                           2016   1.995         
                                                                                           2015   2.002         
                                                                                           2014   1.904         
                                                                                           2013   1.908         
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 2017   3.495         
                                                                                           2016   2.928         
                                                                                           2015   3.027         
                                                                                           2014   2.788         
                                                                                           2013   2.678         
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 2017   1.683         
                                                                                           2016   1.671         
                                                                                           2015   1.699         
                                                                                           2014   1.819         
                                                                                           2013   1.723         
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 2017   3.752         
                                                                                           2016   3.113         
                                                                                           2015   3.271         
                                                                                           2014   3.133         
                                                                                           2013   2.980         
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 2017   9.341         
                                                                                           2016   8.415         
                                                                                           2015   8.368         
                                                                                           2014   7.426         
                                                                                           2013   7.130         
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 2017   1.189         
                                                                                           2016   1.098         
                                                                                           2015   1.109         
                                                                                           2014   1.029         
                                                                                           2013   1.003         
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)................................... 2017   3.225         
                                                                                           2016   2.837         
                                                                                           2015   2.858         
                                                                                           2014   2.595         
                                                                                           2013   2.476         
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)............................. 2017   3.378         
                                                                                           2016   2.863         
                                                                                           2015   2.864         
                                                                                           2014   2.881         
                                                                                           2013   2.774         
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)....................... 2017   2.977         
                                                                                           2016   2.950         
                                                                                           2015   2.686         
                                                                                           2014   2.483         
                                                                                           2013   2.383         
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)....................... 2017   4.035         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            8.586        --     
                                                                                            8.073        --     
                                                                                            7.918        --     
                                                                                            7.205        --     
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13).....  7.853        --     
                                                                                            6.635        --     
                                                                                            6.218        --     
                                                                                            6.109        --     
                                                                                            5.555        --     
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 11.452        --     
                                                                                            9.207        --     
                                                                                            8.796        --     
                                                                                            8.610        --     
                                                                                            7.800        --     
 BHFTII Jennison Growth Subaccount (Class A) (12/13)......................................  1.726        --     
                                                                                            1.264        --     
                                                                                            1.270        --     
                                                                                            1.153        --     
                                                                                            1.064        --     
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13).........................  2.084        --     
                                                                                            2.030        --     
                                                                                            1.995        --     
                                                                                            2.002        --     
                                                                                            1.904        --     
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)..........................  4.016        --     
                                                                                            3.495        --     
                                                                                            2.928        --     
                                                                                            3.027        --     
                                                                                            2.788        --     
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13).....................  2.089        --     
                                                                                            1.683        --     
                                                                                            1.671        --     
                                                                                            1.699        --     
                                                                                            1.819        --     
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13)..................  4.277        --     
                                                                                            3.752        --     
                                                                                            3.113        --     
                                                                                            3.271        --     
                                                                                            3.133        --     
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 11.285        --     
                                                                                            9.341        --     
                                                                                            8.415        --     
                                                                                            8.368        --     
                                                                                            7.426        --     
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................  1.327        --     
                                                                                            1.189        --     
                                                                                            1.098        --     
                                                                                            1.109        --     
                                                                                            1.029        --     
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)...................................  3.783        --     
                                                                                            3.225        --     
                                                                                            2.837        --     
                                                                                            2.858        --     
                                                                                            2.595        --     
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).............................  3.887        --     
                                                                                            3.378        --     
                                                                                            2.863        --     
                                                                                            2.864        --     
                                                                                            2.881        --     
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).......................  3.950        --     
                                                                                            2.977        --     
                                                                                            2.950        --     
                                                                                            2.686        --     
                                                                                            2.483        --     
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).......................  4.915        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2016    3.641        
                                                                                           2015    3.575        
                                                                                           2014    3.373        
                                                                                           2013    3.227        
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A)                              
  (5/16).................................................................................. 2017   39.140        
                                                                                           2016   37.499        
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)............. 2017    2.249        
                                                                                           2016    2.234        
                                                                                           2015    2.234        
                                                                                           2014    2.186        
                                                                                           2013    2.192        
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................ 2017    1.348        
                                                                                           2016    1.032        
                                                                                           2015    1.107        
                                                                                           2014    1.052        
                                                                                           2013    1.005        
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13).................... 2017    7.987        
                                                                                           2016    7.459        
                                                                                           2015    7.473        
                                                                                           2014    6.733        
                                                                                           2013    6.454        
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 2017   17.908        
                                                                                           2016   17.028        
                                                                                           2015   17.878        
 Fidelity VIP Freedom 2025 Subaccount (5/15).............................................. 2017   18.870        
                                                                                           2016   17.912        
                                                                                           2015   18.880        
 Fidelity VIP Freedom 2030 Subaccount (5/15).............................................. 2017   18.732        
                                                                                           2016   17.715        
                                                                                           2015   18.798        
 Fidelity VIP Freedom 2040 Subaccount (5/15).............................................. 2017   24.305        
                                                                                           2016   22.954        
                                                                                           2015   24.428        
 Fidelity VIP Freedom 2050 Subaccount (5/15).............................................. 2017   24.835        
                                                                                           2016   23.446        
                                                                                           2015   24.971        
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)................................ 2017    7.373        
                                                                                           2016    6.627        
                                                                                           2015    6.777        
                                                                                           2014    6.430        
                                                                                           2013    6.127        
Franklin Templeton Variable Insurance Products Trust                                                            
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)..................... 2017    1.395        
                                                                                           2016    1.195        
                                                                                           2015    1.495        
                                                                                           2014    1.642        
                                                                                           2013    1.599        
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)................................ 2017    4.243        
                                                                                           2016    3.982        
                                                                                           2015    4.285        
                                                                                           2014    4.850        
                                                                                           2013    4.621        
Janus Aspen Series                                                                                              
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)........................... 2017    8.332        
                                                                                           2016    7.477        
                                                                                           2015    7.249        
                                                                                           2014    6.497        
                                                                                           2013    6.243        
Legg Mason Partners Variable Equity Trust                                                                       
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)................... 2014    5.212        
                                                                                           2013    4.979        
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13).................... 2017    6.797        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            4.035        --     
                                                                                            3.641        --     
                                                                                            3.575        --     
                                                                                            3.373        --     
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A)                              
  (5/16).................................................................................. 42.107        --     
                                                                                           39.140        --     
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).............  2.279        --     
                                                                                            2.249        --     
                                                                                            2.234        --     
                                                                                            2.234        --     
                                                                                            2.186        --     
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................  1.502        --     
                                                                                            1.348        --     
                                                                                            1.032        --     
                                                                                            1.107        --     
                                                                                            1.052        --     
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13)....................  9.654        --     
                                                                                            7.987        --     
                                                                                            7.459        --     
                                                                                            7.473        --     
                                                                                            6.733        --     
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 20.696        --     
                                                                                           17.908        --     
                                                                                           17.028        --     
 Fidelity VIP Freedom 2025 Subaccount (5/15).............................................. 22.053        --     
                                                                                           18.870        --     
                                                                                           17.912        --     
 Fidelity VIP Freedom 2030 Subaccount (5/15).............................................. 22.473        --     
                                                                                           18.732        --     
                                                                                           17.715        --     
 Fidelity VIP Freedom 2040 Subaccount (5/15).............................................. 29.789        --     
                                                                                           24.305        --     
                                                                                           22.954        --     
 Fidelity VIP Freedom 2050 Subaccount (5/15).............................................. 30.439        --     
                                                                                           24.835        --     
                                                                                           23.446        --     
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)................................  8.834        --     
                                                                                            7.373        --     
                                                                                            6.627        --     
                                                                                            6.777        --     
                                                                                            6.430        --     
Franklin Templeton Variable Insurance Products Trust                                                            
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13).....................  1.947        --     
                                                                                            1.395        --     
                                                                                            1.195        --     
                                                                                            1.495        --     
                                                                                            1.642        --     
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)................................  4.921        --     
                                                                                            4.243        --     
                                                                                            3.982        --     
                                                                                            4.285        --     
                                                                                            4.850        --     
Janus Aspen Series                                                                                              
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)........................... 10.525        --     
                                                                                            8.332        --     
                                                                                            7.477        --     
                                                                                            7.249        --     
                                                                                            6.497        --     
Legg Mason Partners Variable Equity Trust                                                                       
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)...................  5.256        --     
                                                                                            5.212        --     
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)....................  8.077        --     

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                            
                                                                                              UNIT      UNIT     NUMBER OF 
                                                                                             VALUE      VALUE      UNITS   
                                                                                               AT        AT     OUTSTANDING
                                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                      YEAR    OF YEAR     YEAR    END OF YEAR
---------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                           
                                                                                   2016   6.229       6.797    --          
                                                                                   2015   6.168       6.229    --          
                                                                                   2014   5.591       6.168    --          
                                                                                   2013   5.358       5.591    --          
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2017   1.275       1.510    --          
                                                                                   2016   1.115       1.275    --          
                                                                                   2015   1.172       1.115    --          
                                                                                   2014   1.038       1.172    --          
                                                                                   2013   1.001       1.038    --          
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2017   3.274       4.092    --          
                                                                                   2016   3.066       3.274    --          
                                                                                   2015   2.810       3.066    --          
                                                                                   2014   2.480       2.810    --          
                                                                                   2013   2.364       2.480    --          
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2017   3.437       4.246    --          
                                                                                   2016   3.268       3.437    --          
                                                                                   2015   3.438       3.268    --          
                                                                                   2014   3.324       3.438    --          
                                                                                   2013   3.122       3.324    --          
Legg Mason Partners Variable Income Trust                                                                                  
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2017   3.437       3.613    --          
                                                                                   2016   3.307       3.437    --          
                                                                                   2015   3.288       3.307    --          
                                                                                   2014   3.318       3.288    --          
                                                                                   2013   3.309       3.318    --          
Trust for Advised Portfolios                                                                                               
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 2017   5.068       5.881    --          
                                                                                   2016   4.799       5.068    --          
                                                                                   2015   4.912       4.799    --          
                                                                                   2014   4.521       4.912    --          
                                                                                   2013   4.381       4.521    --          

                                                        [Enlarge/Download Table]

                              GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80%                              
                                                                                       UNIT      UNIT     NUMBER OF 
                                                                                      VALUE      VALUE      UNITS   
                                                                                        AT        AT     OUTSTANDING
                                                                                    BEGINNING   END OF       AT     
PORTFOLIO NAME                                                               YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                    
American Funds Insurance Series(Reg. TM)                                                                            
 American Funds Global Growth Subaccount (Class 2) (12/13)................. 2017    4.527       5.904        --     
                                                                            2016    4.535       4.527        --     
                                                                            2015    4.275       4.535        --     
                                                                            2014    4.212       4.275        --     
                                                                            2013    4.016       4.212        --     
 American Funds Growth Subaccount (Class 2) (12/13)........................ 2017   32.775      41.714        --     
                                                                            2016   30.175      32.775        --     
                                                                            2015   28.466      30.175        --     
                                                                            2014   26.444      28.466        --     
                                                                            2013   25.361      26.444        --     
 American Funds Growth-Income Subaccount (Class 2) (12/13)................. 2017   22.582      27.417        --     
                                                                            2016   20.412      22.582        --     
                                                                            2015   20.281      20.412        --     
                                                                            2014   18.479      20.281        --     
                                                                            2013   17.722      18.479        --     
Brighthouse Funds Trust I                                                                                           
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)................... 2017    3.348       3.590        --     
                                                                            2016    2.954       3.348        --     
                                                                            2015    3.093       2.954        --     
                                                                            2014    3.015       3.093        --     
                                                                            2013    2.993       3.015        --     
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)....... 2017    1.835       2.238        --     
                                                                            2016    1.697       1.835        --     
                                                                            2015    1.746       1.697        --     
                                                                            2014    1.675       1.746        --     
                                                                            2013    1.605       1.675        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................... 2017    3.201        
                                                                                           2016    2.458        
                                                                                           2015    2.620        
                                                                                           2014    2.596        
                                                                                           2013    2.495        
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......... 2017    1.045        
                                                                                           2016    0.942        
                                                                                           2015    1.100        
                                                                                           2014    1.182        
                                                                                           2013    1.163        
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)............. 2017    1.921        
                                                                                           2016    1.788        
                                                                                           2015    1.726        
                                                                                           2014    1.531        
                                                                                           2013    1.464        
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................ 2017    2.026        
                                                                                           2016    2.019        
                                                                                           2015    2.060        
                                                                                           2014    1.827        
                                                                                           2013    1.772        
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 2017   42.241        
                                                                                           2016   42.241        
                                                                                           2015   42.241        
                                                                                           2014   40.459        
                                                                                           2013   38.501        
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................... 2017    1.595        
                                                                                           2016    1.566        
                                                                                           2015    1.645        
                                                                                           2014    1.395        
                                                                                           2013    1.328        
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 2017    1.432        
                                                                                           2016    1.339        
                                                                                           2015    1.360        
                                                                                           2014    1.292        
                                                                                           2013    1.258        
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 2017    1.451        
                                                                                           2016    1.343        
                                                                                           2015    1.364        
                                                                                           2014    1.292        
                                                                                           2013    1.247        
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 2017    1.395        
                                                                                           2016    1.314        
                                                                                           2015    1.334        
                                                                                           2014    1.268        
                                                                                           2013    1.242        
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2017    2.684        
                                                                                           2016    2.496        
                                                                                           2015    2.629        
                                                                                           2014    2.805        
                                                                                           2013    2.671        
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 2017    1.245        
                                                                                           2016    1.070        
                                                                                           2015    1.147        
                                                                                           2014    1.058        
                                                                                           2013    1.011        
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 2017    3.212        
                                                                                           2016    2.898        
                                                                                           2015    2.963        
                                                                                           2014    2.761        
                                                                                           2013    2.637        
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2017    2.583        
                                                                                           2016    1.990        
                                                                                           2015    2.163        
                                                                                           2014    2.083        
                                                                                           2013    1.995        
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 2017    3.444        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)...........................  3.547        --     
                                                                                            3.201        --     
                                                                                            2.458        --     
                                                                                            2.620        --     
                                                                                            2.596        --     
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)..........  1.333        --     
                                                                                            1.045        --     
                                                                                            0.942        --     
                                                                                            1.100        --     
                                                                                            1.182        --     
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).............  2.324        --     
                                                                                            1.921        --     
                                                                                            1.788        --     
                                                                                            1.726        --     
                                                                                            1.531        --     
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................  2.230        --     
                                                                                            2.026        --     
                                                                                            2.019        --     
                                                                                            2.060        --     
                                                                                            1.827        --     
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 42.241        --     
                                                                                           42.241        --     
                                                                                           42.241        --     
                                                                                           42.241        --     
                                                                                           40.459        --     
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13).........................  1.874        --     
                                                                                            1.595        --     
                                                                                            1.566        --     
                                                                                            1.645        --     
                                                                                            1.395        --     
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13).....  1.660        --     
                                                                                            1.432        --     
                                                                                            1.339        --     
                                                                                            1.360        --     
                                                                                            1.292        --     
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13).......  1.747        --     
                                                                                            1.451        --     
                                                                                            1.343        --     
                                                                                            1.364        --     
                                                                                            1.292        --     
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13).....  1.563        --     
                                                                                            1.395        --     
                                                                                            1.314        --     
                                                                                            1.334        --     
                                                                                            1.268        --     
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)..........................  3.483        --     
                                                                                            2.684        --     
                                                                                            2.496        --     
                                                                                            2.629        --     
                                                                                            2.805        --     
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)......................................  1.458        --     
                                                                                            1.245        --     
                                                                                            1.070        --     
                                                                                            1.147        --     
                                                                                            1.058        --     
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13)..............................  4.002        --     
                                                                                            3.212        --     
                                                                                            2.898        --     
                                                                                            2.963        --     
                                                                                            2.761        --     
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13)..............................  2.655        --     
                                                                                            2.583        --     
                                                                                            1.990        --     
                                                                                            2.163        --     
                                                                                            2.083        --     
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................  3.444        --     

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                            GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                             
                                                                                                UNIT      UNIT     NUMBER OF 
                                                                                               VALUE      VALUE      UNITS   
                                                                                                 AT        AT     OUTSTANDING
                                                                                             BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                        YEAR    OF YEAR     YEAR    END OF YEAR
------------------------------------------------------------------------------------ ------ ----------- -------- ------------
                                                                                                                             
                                                                                     2016   3.334        3.444        --     
                                                                                     2015   3.425        3.334        --     
                                                                                     2014   3.285        3.425        --     
                                                                                     2013   3.259        3.285        --     
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)............... 2017   1.250        1.433        --     
                                                                                     2016   1.208        1.250        --     
                                                                                     2015   1.232        1.208        --     
                                                                                     2014   1.137        1.232        --     
                                                                                     2013   1.109        1.137        --     
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)............. 2017   1.652        2.100        --     
                                                                                     2016   1.680        1.652        --     
                                                                                     2015   1.724        1.680        --     
                                                                                     2014   1.868        1.724        --     
                                                                                     2013   1.785        1.868        --     
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)....................... 2017   1.078        1.462        --     
                                                                                     2016   1.085        1.078        --     
                                                                                     2015   1.053        1.085        --     
                                                                                     2014   1.040        1.053        --     
                                                                                     2013   0.992        1.040        --     
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13).................. 2017   0.999        1.029        --     
                                                                                     2016   0.958        0.999        --     
                                                                                     2015   0.994        0.958        --     
                                                                                     2014   0.971        0.994        --     
                                                                                     2013   0.978        0.971        --     
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).............................. 2017   1.959        2.031        --     
                                                                                     2016   1.924        1.959        --     
                                                                                     2015   1.940        1.924        --     
                                                                                     2014   1.877        1.940        --     
                                                                                     2013   1.884        1.877        --     
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).................................... 2017   3.168        3.168        --     
                                                                                     2016   3.141        3.168        --     
                                                                                     2015   3.165        3.141        --     
                                                                                     2014   2.870        3.165        --     
                                                                                     2013   2.762        2.870        --     
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)........................ 2017   3.346        3.346        --     
                                                                                     2016   3.256        3.346        --     
                                                                                     2015   3.325        3.256        --     
                                                                                     2014   3.205        3.325        --     
                                                                                     2013   3.195        3.205        --     
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13)....... 2017   1.183        1.367        --     
                                                                                     2016   1.140        1.183        --     
                                                                                     2015   1.164        1.140        --     
                                                                                     2014   1.080        1.164        --     
                                                                                     2013   1.054        1.080        --     
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................... 2017   9.869       11.450        --     
                                                                                     2016   8.580        9.869        --     
                                                                                     2015   8.971        8.580        --     
                                                                                     2014   7.983        8.971        --     
                                                                                     2013   7.691        7.983        --     
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13).................. 2017   4.391        4.769        --     
                                                                                     2016   3.832        4.391        --     
                                                                                     2015   4.244        3.832        --     
                                                                                     2014   3.902        4.244        --     
                                                                                     2013   3.742        3.902        --     
Brighthouse Funds Trust II                                                                                                   
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13).......................... 2017   8.026        8.289        --     
                                                                                     2016   7.846        8.026        --     
                                                                                     2015   7.862        7.846        --     
                                                                                     2014   7.401        7.862        --     
                                                                                     2013   7.413        7.401        --     
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)................. 2017   5.592        7.430        --     
                                                                                     2016   5.632        5.592        --     
                                                                                     2015   5.342        5.632        --     
                                                                                     2014   4.945        5.342        --     
                                                                                     2013   4.704        4.945        --     
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)...................... 2017   2.064        2.198        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2016   1.762         
                                                                                           2015   1.893         
                                                                                           2014   1.740         
                                                                                           2013   1.673         
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)...................... 2017   2.788         
                                                                                           2016   2.801         
                                                                                           2015   2.823         
                                                                                           2014   2.846         
                                                                                           2013   2.847         
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)...................... 2017   1.549         
                                                                                           2016   1.494         
                                                                                           2015   1.514         
                                                                                           2014   1.461         
                                                                                           2013   1.451         
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)...................... 2017   1.650         
                                                                                           2016   1.568         
                                                                                           2015   1.598         
                                                                                           2014   1.535         
                                                                                           2013   1.509         
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)...................... 2017   1.725         
                                                                                           2016   1.624         
                                                                                           2015   1.658         
                                                                                           2014   1.591         
                                                                                           2013   1.548         
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)...................... 2017   1.775         
                                                                                           2016   1.655         
                                                                                           2015   1.697         
                                                                                           2014   1.626         
                                                                                           2013   1.569         
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 2017   8.078         
                                                                                           2016   7.611         
                                                                                           2015   7.479         
                                                                                           2014   6.820         
                                                                                           2013   6.620         
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 2017   6.347         
                                                                                           2016   5.960         
                                                                                           2015   5.868         
                                                                                           2014   5.346         
                                                                                           2013   5.112         
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 2017   8.693         
                                                                                           2016   8.323         
                                                                                           2015   8.163         
                                                                                           2014   7.409         
                                                                                           2013   7.136         
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 2017   1.256         
                                                                                           2016   1.264         
                                                                                           2015   1.150         
                                                                                           2014   1.063         
                                                                                           2013   1.018         
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 2017   1.958         
                                                                                           2016   1.928         
                                                                                           2015   1.939         
                                                                                           2014   1.847         
                                                                                           2013   1.851         
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 2017   3.382         
                                                                                           2016   2.839         
                                                                                           2015   2.940         
                                                                                           2014   2.714         
                                                                                           2013   2.607         
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 2017   1.623         
                                                                                           2016   1.614         
                                                                                           2015   1.645         
                                                                                           2014   1.764         
                                                                                           2013   1.672         
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 2017   3.619         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            2.064        --     
                                                                                            1.762        --     
                                                                                            1.893        --     
                                                                                            1.740        --     
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)......................  2.790        --     
                                                                                            2.788        --     
                                                                                            2.801        --     
                                                                                            2.823        --     
                                                                                            2.846        --     
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)......................  1.643        --     
                                                                                            1.549        --     
                                                                                            1.494        --     
                                                                                            1.514        --     
                                                                                            1.461        --     
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)......................  1.811        --     
                                                                                            1.650        --     
                                                                                            1.568        --     
                                                                                            1.598        --     
                                                                                            1.535        --     
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)......................  1.964        --     
                                                                                            1.725        --     
                                                                                            1.624        --     
                                                                                            1.658        --     
                                                                                            1.591        --     
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)......................  2.099        --     
                                                                                            1.775        --     
                                                                                            1.655        --     
                                                                                            1.697        --     
                                                                                            1.626        --     
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)......................  9.227        --     
                                                                                            8.078        --     
                                                                                            7.611        --     
                                                                                            7.479        --     
                                                                                            6.820        --     
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13).....  7.498        --     
                                                                                            6.347        --     
                                                                                            5.960        --     
                                                                                            5.868        --     
                                                                                            5.346        --     
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 10.792        --     
                                                                                            8.693        --     
                                                                                            8.323        --     
                                                                                            8.163        --     
                                                                                            7.409        --     
 BHFTII Jennison Growth Subaccount (Class A) (12/13)......................................  1.711        --     
                                                                                            1.256        --     
                                                                                            1.264        --     
                                                                                            1.150        --     
                                                                                            1.063        --     
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13).........................  2.005        --     
                                                                                            1.958        --     
                                                                                            1.928        --     
                                                                                            1.939        --     
                                                                                            1.847        --     
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)..........................  3.878        --     
                                                                                            3.382        --     
                                                                                            2.839        --     
                                                                                            2.940        --     
                                                                                            2.714        --     
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13).....................  2.011        --     
                                                                                            1.623        --     
                                                                                            1.614        --     
                                                                                            1.645        --     
                                                                                            1.764        --     
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13)..................  4.116        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2016    3.008        
                                                                                           2015    3.167        
                                                                                           2014    3.039        
                                                                                           2013    2.892        
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 2017    8.855        
                                                                                           2016    7.993        
                                                                                           2015    7.965        
                                                                                           2014    7.082        
                                                                                           2013    6.801        
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 2017    1.182        
                                                                                           2016    1.093        
                                                                                           2015    1.106        
                                                                                           2014    1.028        
                                                                                           2013    1.002        
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)................................... 2017    3.109        
                                                                                           2016    2.739        
                                                                                           2015    2.765        
                                                                                           2014    2.516        
                                                                                           2013    2.401        
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)............................. 2017    3.268        
                                                                                           2016    2.776        
                                                                                           2015    2.782        
                                                                                           2014    2.804        
                                                                                           2013    2.700        
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)....................... 2017    2.871        
                                                                                           2016    2.851        
                                                                                           2015    2.600        
                                                                                           2014    2.409        
                                                                                           2013    2.312        
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)....................... 2017    3.878        
                                                                                           2016    3.507        
                                                                                           2015    3.450        
                                                                                           2014    3.261        
                                                                                           2013    3.120        
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A)                              
  (5/16).................................................................................. 2017   37.442        
                                                                                           2016   35.920        
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)............. 2017    2.151        
                                                                                           2016    2.141        
                                                                                           2015    2.146        
                                                                                           2014    2.104        
                                                                                           2013    2.110        
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................ 2017    1.340        
                                                                                           2016    1.028        
                                                                                           2015    1.105        
                                                                                           2014    1.052        
                                                                                           2013    1.005        
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13).................... 2017    7.643        
                                                                                           2016    7.152        
                                                                                           2015    7.180        
                                                                                           2014    6.482        
                                                                                           2013    6.214        
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 2017   17.494        
                                                                                           2016   16.668        
                                                                                           2015   17.523        
 Fidelity VIP Freedom 2025 Subaccount (5/15).............................................. 2017   18.434        
                                                                                           2016   17.533        
                                                                                           2015   18.505        
 Fidelity VIP Freedom 2030 Subaccount (5/15).............................................. 2017   18.299        
                                                                                           2016   17.341        
                                                                                           2015   18.425        
 Fidelity VIP Freedom 2040 Subaccount (5/15).............................................. 2017   23.933        
                                                                                           2016   22.647        
                                                                                           2015   24.134        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            3.619   --          
                                                                                            3.008   --          
                                                                                            3.167   --          
                                                                                            3.039   --          
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 10.677   --          
                                                                                            8.855   --          
                                                                                            7.993   --          
                                                                                            7.965   --          
                                                                                            7.082   --          
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................  1.316   --          
                                                                                            1.182   --          
                                                                                            1.093   --          
                                                                                            1.106   --          
                                                                                            1.028   --          
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)...................................  3.639   --          
                                                                                            3.109   --          
                                                                                            2.739   --          
                                                                                            2.765   --          
                                                                                            2.516   --          
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).............................  3.753   --          
                                                                                            3.268   --          
                                                                                            2.776   --          
                                                                                            2.782   --          
                                                                                            2.804   --          
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).......................  3.802   --          
                                                                                            2.871   --          
                                                                                            2.851   --          
                                                                                            2.600   --          
                                                                                            2.409   --          
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).......................  4.714   --          
                                                                                            3.878   --          
                                                                                            3.507   --          
                                                                                            3.450   --          
                                                                                            3.261   --          
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A)                              
  (5/16).................................................................................. 40.201   --          
                                                                                           37.442   --          
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).............  2.175   --          
                                                                                            2.151   --          
                                                                                            2.141   --          
                                                                                            2.146   --          
                                                                                            2.104   --          
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................  1.489   --          
                                                                                            1.340   --          
                                                                                            1.028   --          
                                                                                            1.105   --          
                                                                                            1.052   --          
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13)....................  9.220   --          
                                                                                            7.643   --          
                                                                                            7.152   --          
                                                                                            7.180   --          
                                                                                            6.482   --          
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 20.177   --          
                                                                                           17.494   --          
                                                                                           16.668   --          
 Fidelity VIP Freedom 2025 Subaccount (5/15).............................................. 21.501   --          
                                                                                           18.434   --          
                                                                                           17.533   --          
 Fidelity VIP Freedom 2030 Subaccount (5/15).............................................. 21.910   --          
                                                                                           18.299   --          
                                                                                           17.341   --          
 Fidelity VIP Freedom 2040 Subaccount (5/15).............................................. 29.273   --          
                                                                                           23.933   --          
                                                                                           22.647   --          

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                            
                                                                                              UNIT      UNIT     NUMBER OF 
                                                                                             VALUE      VALUE      UNITS   
                                                                                               AT        AT     OUTSTANDING
                                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                      YEAR    OF YEAR     YEAR    END OF YEAR
---------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                           
 Fidelity VIP Freedom 2050 Subaccount (5/15)...................................... 2017   24.454      29.912        --     
                                                                                   2016   23.133      24.454        --     
                                                                                   2015   24.670      23.133        --     
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 2017   7.112        8.505        --     
                                                                                   2016   6.406        7.112        --     
                                                                                   2015   6.564        6.406        --     
                                                                                   2014   6.240        6.564        --     
                                                                                   2013   5.946        6.240        --     
Franklin Templeton Variable Insurance Products Trust                                                                       
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 2017   1.338        1.863        --     
                                                                                   2016   1.148        1.338        --     
                                                                                   2015   1.440        1.148        --     
                                                                                   2014   1.584        1.440        --     
                                                                                   2013   1.543        1.584        --     
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 2017   4.038        4.675        --     
                                                                                   2016   3.798        4.038        --     
                                                                                   2015   4.095        3.798        --     
                                                                                   2014   4.644        4.095        --     
                                                                                   2013   4.425        4.644        --     
Janus Aspen Series                                                                                                         
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2017   7.952       10.026        --     
                                                                                   2016   7.150        7.952        --     
                                                                                   2015   6.946        7.150        --     
                                                                                   2014   6.238        6.946        --     
                                                                                   2013   5.995        6.238        --     
Legg Mason Partners Variable Equity Trust                                                                                  
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014   5.007        5.046        --     
                                                                                   2013   4.783        5.007        --     
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2017   6.463        7.665        --     
                                                                                   2016   5.935        6.463        --     
                                                                                   2015   5.889        5.935        --     
                                                                                   2014   5.348        5.889        --     
                                                                                   2013   5.126        5.348        --     
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2017   1.267        1.497        --     
                                                                                   2016   1.110        1.267        --     
                                                                                   2015   1.170        1.110        --     
                                                                                   2014   1.038        1.170        --     
                                                                                   2013   1.001        1.038        --     
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2017   3.153        3.934        --     
                                                                                   2016   2.960        3.153        --     
                                                                                   2015   2.718        2.960        --     
                                                                                   2014   2.403        2.718        --     
                                                                                   2013   2.291        2.403        --     
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2017   3.321        4.094        --     
                                                                                   2016   3.164        3.321        --     
                                                                                   2015   3.336        3.164        --     
                                                                                   2014   3.231        3.336        --     
                                                                                   2013   3.035        3.231        --     
Legg Mason Partners Variable Income Trust                                                                                  
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2017   3.285        3.447        --     
                                                                                   2016   3.168        3.285        --     
                                                                                   2015   3.155        3.168        --     
                                                                                   2014   3.191        3.155        --     
                                                                                   2013   3.182        3.191        --     
Trust for Advised Portfolios                                                                                               
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 2017   4.825        5.588        --     
                                                                                   2016   4.578        4.825        --     
                                                                                   2015   4.695        4.578        --     
                                                                                   2014   4.330        4.695        --     
                                                                                   2013   4.196        4.330        --     

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                          GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90%                              
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
American Funds Insurance Series(Reg. TM)                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)................................ 2017    4.438        
                                                                                           2016    4.451        
                                                                                           2015    4.200        
                                                                                           2014    4.142        
                                                                                           2013    3.950        
 American Funds Growth Subaccount (Class 2) (12/13)....................................... 2017   31.714        
                                                                                           2016   29.228        
                                                                                           2015   27.599        
                                                                                           2014   25.665        
                                                                                           2013   24.614        
 American Funds Growth-Income Subaccount (Class 2) (12/13)................................ 2017   21.851        
                                                                                           2016   19.771        
                                                                                           2015   19.664        
                                                                                           2014   17.934        
                                                                                           2013   17.201        
Brighthouse Funds Trust I                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13).................................. 2017    3.281        
                                                                                           2016    2.897        
                                                                                           2015    3.037        
                                                                                           2014    2.963        
                                                                                           2013    2.941        
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)...................... 2017    1.813        
                                                                                           2016    1.678        
                                                                                           2015    1.728        
                                                                                           2014    1.659        
                                                                                           2013    1.591        
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................... 2017    3.154        
                                                                                           2016    2.425        
                                                                                           2015    2.587        
                                                                                           2014    2.566        
                                                                                           2013    2.466        
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......... 2017    1.034        
                                                                                           2016    0.933        
                                                                                           2015    1.090        
                                                                                           2014    1.173        
                                                                                           2013    1.154        
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)............. 2017    1.885        
                                                                                           2016    1.757        
                                                                                           2015    1.697        
                                                                                           2014    1.507        
                                                                                           2013    1.442        
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................ 2017    2.000        
                                                                                           2016    1.995        
                                                                                           2015    2.039        
                                                                                           2014    1.809        
                                                                                           2013    1.755        
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 2017   40.906        
                                                                                           2016   40.906        
                                                                                           2015   40.906        
                                                                                           2014   39.192        
                                                                                           2013   37.298        
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................... 2017    1.570        
                                                                                           2016    1.543        
                                                                                           2015    1.622        
                                                                                           2014    1.377        
                                                                                           2013    1.311        
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 2017    1.420        
                                                                                           2016    1.329        
                                                                                           2015    1.351        
                                                                                           2014    1.285        
                                                                                           2013    1.251        
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 2017    1.439        
                                                                                           2016    1.332        
                                                                                           2015    1.355        
                                                                                           2014    1.285        
                                                                                           2013    1.240        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
American Funds Insurance Series(Reg. TM)                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)................................  5.783       64,628  
                                                                                            4.438      124,565  
                                                                                            4.451           --  
                                                                                            4.200           --  
                                                                                            4.142           --  
 American Funds Growth Subaccount (Class 2) (12/13)....................................... 40.323        8,419  
                                                                                           31.714       11,448  
                                                                                           29.228           --  
                                                                                           27.599           --  
                                                                                           25.665           --  
 American Funds Growth-Income Subaccount (Class 2) (12/13)................................ 26.503        9,303  
                                                                                           21.851       12,339  
                                                                                           19.771           --  
                                                                                           19.664           --  
                                                                                           17.934           --  
Brighthouse Funds Trust I                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)..................................  3.514       10,511  
                                                                                            3.281       18,026  
                                                                                            2.897           --  
                                                                                            3.037           --  
                                                                                            2.963           --  
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)......................  2.208      126,714  
                                                                                            1.813       93,606  
                                                                                            1.678           --  
                                                                                            1.728           --  
                                                                                            1.659           --  
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)...........................  3.492       23,203  
                                                                                            3.154       34,759  
                                                                                            2.425           --  
                                                                                            2.587           --  
                                                                                            2.566           --  
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)..........  1.317       25,216  
                                                                                            1.034       61,878  
                                                                                            0.933           --  
                                                                                            1.090           --  
                                                                                            1.173           --  
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).............  2.278       14,528  
                                                                                            1.885       19,193  
                                                                                            1.757           --  
                                                                                            1.697           --  
                                                                                            1.507           --  
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................  2.200       63,045  
                                                                                            2.000      102,532  
                                                                                            1.995           --  
                                                                                            2.039           --  
                                                                                            1.809           --  
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 40.906           --  
                                                                                           40.906           --  
                                                                                           40.906           --  
                                                                                           40.906           --  
                                                                                           39.192           --  
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13).........................  1.842       60,995  
                                                                                            1.570       90,756  
                                                                                            1.543           --  
                                                                                            1.622           --  
                                                                                            1.377           --  
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13).....  1.644      169,160  
                                                                                            1.420      426,894  
                                                                                            1.329       35,516  
                                                                                            1.351           --  
                                                                                            1.285           --  
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13).......  1.730       68,497  
                                                                                            1.439       57,754  
                                                                                            1.332        3,262  
                                                                                            1.355           --  
                                                                                            1.285           --  

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 2017   1.383         
                                                                                           2016   1.304         
                                                                                           2015   1.325         
                                                                                           2014   1.261         
                                                                                           2013   1.235         
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2017   2.644         
                                                                                           2016   2.461         
                                                                                           2015   2.595         
                                                                                           2014   2.772         
                                                                                           2013   2.639         
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 2017   1.241         
                                                                                           2016   1.068         
                                                                                           2015   1.146         
                                                                                           2014   1.058         
                                                                                           2013   1.011         
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 2017   3.163         
                                                                                           2016   2.857         
                                                                                           2015   2.924         
                                                                                           2014   2.728         
                                                                                           2013   2.605         
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2017   2.553         
                                                                                           2016   1.969         
                                                                                           2015   2.142         
                                                                                           2014   2.065         
                                                                                           2013   1.978         
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 2017   3.376         
                                                                                           2016   3.269         
                                                                                           2015   3.362         
                                                                                           2014   3.227         
                                                                                           2013   3.202         
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 2017   1.245         
                                                                                           2016   1.204         
                                                                                           2015   1.230         
                                                                                           2014   1.136         
                                                                                           2013   1.108         
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 2017   1.626         
                                                                                           2016   1.655         
                                                                                           2015   1.700         
                                                                                           2014   1.844         
                                                                                           2013   1.763         
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............................. 2017   1.075         
                                                                                           2016   1.082         
                                                                                           2015   1.051         
                                                                                           2014   1.040         
                                                                                           2013   0.992         
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)........................ 2017   0.996         
                                                                                           2016   0.956         
                                                                                           2015   0.993         
                                                                                           2014   0.971         
                                                                                           2013   0.977         
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).................................... 2017   1.928         
                                                                                           2016   1.896         
                                                                                           2015   1.913         
                                                                                           2014   1.853         
                                                                                           2013   1.860         
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).......................................... 2017   3.098         
                                                                                           2016   3.073         
                                                                                           2015   3.099         
                                                                                           2014   2.813         
                                                                                           2013   2.707         
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13).............................. 2017   3.274         
                                                                                           2016   3.186         
                                                                                           2015   3.257         
                                                                                           2014   3.143         
                                                                                           2013   3.133         
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13)............. 2017   1.178         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 1.548        59,211  
                                                                                           1.383       431,807  
                                                                                           1.304            --  
                                                                                           1.325            --  
                                                                                           1.261            --  
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 3.427        40,008  
                                                                                           2.644        67,122  
                                                                                           2.461            --  
                                                                                           2.595            --  
                                                                                           2.772            --  
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 1.452         8,754  
                                                                                           1.241         6,729  
                                                                                           1.068            --  
                                                                                           1.146            --  
                                                                                           1.058            --  
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 3.938        13,324  
                                                                                           3.163        36,779  
                                                                                           2.857            --  
                                                                                           2.924            --  
                                                                                           2.728            --  
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2.622        23,995  
                                                                                           2.553        39,002  
                                                                                           1.969            54  
                                                                                           2.142            --  
                                                                                           2.065            --  
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 3.376            --  
                                                                                           3.376            --  
                                                                                           3.269            --  
                                                                                           3.362            --  
                                                                                           3.227            --  
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 1.426        95,480  
                                                                                           1.245       116,361  
                                                                                           1.204            --  
                                                                                           1.230            --  
                                                                                           1.136            --  
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 2.065        94,757  
                                                                                           1.626        78,272  
                                                                                           1.655            --  
                                                                                           1.700            --  
                                                                                           1.844            --  
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............................. 1.456       311,269  
                                                                                           1.075       651,260  
                                                                                           1.082            --  
                                                                                           1.051            --  
                                                                                           1.040            --  
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)........................ 1.025       140,772  
                                                                                           0.996       160,664  
                                                                                           0.956            --  
                                                                                           0.993            --  
                                                                                           0.971            --  
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).................................... 1.997       258,828  
                                                                                           1.928       685,385  
                                                                                           1.896            --  
                                                                                           1.913            --  
                                                                                           1.853            --  
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).......................................... 3.098            --  
                                                                                           3.098            --  
                                                                                           3.073            --  
                                                                                           3.099            --  
                                                                                           2.813            --  
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13).............................. 3.274            --  
                                                                                           3.274            --  
                                                                                           3.186            --  
                                                                                           3.257            --  
                                                                                           3.143            --  
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13)............. 1.360        37,232  

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2016   1.137         
                                                                                           2015   1.162         
                                                                                           2014   1.079         
                                                                                           2013   1.053         
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)......................... 2017   9.606         
                                                                                           2016   8.360         
                                                                                           2015   8.749         
                                                                                           2014   7.793         
                                                                                           2013   7.509         
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)........................ 2017   4.307         
                                                                                           2016   3.762         
                                                                                           2015   4.171         
                                                                                           2014   3.839         
                                                                                           2013   3.681         
Brighthouse Funds Trust II                                                                                      
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)................................ 2017   7.763         
                                                                                           2016   7.596         
                                                                                           2015   7.619         
                                                                                           2014   7.180         
                                                                                           2013   7.191         
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)....................... 2017   5.470         
                                                                                           2016   5.514         
                                                                                           2015   5.235         
                                                                                           2014   4.851         
                                                                                           2013   4.615         
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)............................ 2017   2.034         
                                                                                           2016   1.738         
                                                                                           2015   1.869         
                                                                                           2014   1.719         
                                                                                           2013   1.654         
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)...................... 2017   2.697         
                                                                                           2016   2.711         
                                                                                           2015   2.736         
                                                                                           2014   2.761         
                                                                                           2013   2.762         
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)...................... 2017   1.531         
                                                                                           2016   1.478         
                                                                                           2015   1.500         
                                                                                           2014   1.449         
                                                                                           2013   1.438         
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)...................... 2017   1.631         
                                                                                           2016   1.551         
                                                                                           2015   1.582         
                                                                                           2014   1.522         
                                                                                           2013   1.496         
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)...................... 2017   1.705         
                                                                                           2016   1.607         
                                                                                           2015   1.642         
                                                                                           2014   1.577         
                                                                                           2013   1.535         
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)...................... 2017   1.755         
                                                                                           2016   1.637         
                                                                                           2015   1.681         
                                                                                           2014   1.612         
                                                                                           2013   1.555         
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 2017   7.836         
                                                                                           2016   7.390         
                                                                                           2015   7.269         
                                                                                           2014   6.635         
                                                                                           2013   6.441         
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 2017   6.208         
                                                                                           2016   5.836         
                                                                                           2015   5.751         
                                                                                           2014   5.245         
                                                                                           2013   5.015         
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 2017   8.447         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            1.178       59,534  
                                                                                            1.137           --  
                                                                                            1.162           --  
                                                                                            1.079           --  
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)......................... 11.133       19,418  
                                                                                            9.606       19,269  
                                                                                            8.360           --  
                                                                                            8.749           --  
                                                                                            7.793           --  
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)........................  4.673       48,985  
                                                                                            4.307      105,029  
                                                                                            3.762           --  
                                                                                            4.171           --  
                                                                                            3.839           --  
Brighthouse Funds Trust II                                                                                      
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)................................  8.009       43,252  
                                                                                            7.763      112,072  
                                                                                            7.596           --  
                                                                                            7.619           --  
                                                                                            7.180           --  
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).......................  7.260       15,528  
                                                                                            5.470       23,233  
                                                                                            5.514           --  
                                                                                            5.235           --  
                                                                                            4.851           --  
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)............................  2.164       87,058  
                                                                                            2.034       74,718  
                                                                                            1.738           62  
                                                                                            1.869           --  
                                                                                            1.719           --  
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)......................  2.696      262,937  
                                                                                            2.697       84,329  
                                                                                            2.711           --  
                                                                                            2.736           --  
                                                                                            2.761           --  
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)......................  1.622      247,691  
                                                                                            1.531      215,365  
                                                                                            1.478           --  
                                                                                            1.500           --  
                                                                                            1.449           --  
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)......................  1.788      522,750  
                                                                                            1.631    1,188,437  
                                                                                            1.551           --  
                                                                                            1.582           --  
                                                                                            1.522           --  
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)......................  1.939    2,403,784  
                                                                                            1.705    3,573,422  
                                                                                            1.607           --  
                                                                                            1.642           --  
                                                                                            1.577           --  
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)......................  2.072    1,030,229  
                                                                                            1.755    1,364,553  
                                                                                            1.637           --  
                                                                                            1.681           --  
                                                                                            1.612           --  
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)......................  8.941       61,055  
                                                                                            7.836       62,513  
                                                                                            7.390           --  
                                                                                            7.269           --  
                                                                                            6.635           --  
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13).....  7.326        4,564  
                                                                                            6.208        6,501  
                                                                                            5.836           --  
                                                                                            5.751           --  
                                                                                            5.245           --  
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 10.476       32,622  

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2016    8.095        
                                                                                           2015    7.948        
                                                                                           2014    7.221        
                                                                                           2013    6.955        
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 2017    1.252        
                                                                                           2016    1.261        
                                                                                           2015    1.149        
                                                                                           2014    1.063        
                                                                                           2013    1.018        
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 2017    1.922        
                                                                                           2016    1.895        
                                                                                           2015    1.908        
                                                                                           2014    1.819        
                                                                                           2013    1.823        
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 2017    3.326        
                                                                                           2016    2.795        
                                                                                           2015    2.898        
                                                                                           2014    2.677        
                                                                                           2013    2.572        
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 2017    1.594        
                                                                                           2016    1.587        
                                                                                           2015    1.619        
                                                                                           2014    1.738        
                                                                                           2013    1.647        
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 2017    3.554        
                                                                                           2016    2.956        
                                                                                           2015    3.116        
                                                                                           2014    2.994        
                                                                                           2013    2.848        
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 2017    8.622        
                                                                                           2016    7.791        
                                                                                           2015    7.771        
                                                                                           2014    6.917        
                                                                                           2013    6.642        
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 2017    1.178        
                                                                                           2016    1.091        
                                                                                           2015    1.105        
                                                                                           2014    1.028        
                                                                                           2013    1.002        
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)................................... 2017    3.052        
                                                                                           2016    2.692        
                                                                                           2015    2.720        
                                                                                           2014    2.477        
                                                                                           2013    2.364        
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)............................. 2017    3.215        
                                                                                           2016    2.733        
                                                                                           2015    2.742        
                                                                                           2014    2.766        
                                                                                           2013    2.664        
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)....................... 2017    2.820        
                                                                                           2016    2.802        
                                                                                           2015    2.559        
                                                                                           2014    2.372        
                                                                                           2013    2.278        
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)....................... 2017    3.802        
                                                                                           2016    3.441        
                                                                                           2015    3.389        
                                                                                           2014    3.206        
                                                                                           2013    3.068        
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A)                              
  (5/16).................................................................................. 2017   36.621        
                                                                                           2016   35.156        
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)............. 2017    2.104        
                                                                                           2016    2.096        
                                                                                           2015    2.103        
                                                                                           2014    2.064        
                                                                                           2013    2.070        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            8.447       37,171  
                                                                                            8.095           --  
                                                                                            7.948           --  
                                                                                            7.221           --  
 BHFTII Jennison Growth Subaccount (Class A) (12/13)......................................  1.704      121,908  
                                                                                            1.252      146,636  
                                                                                            1.261           --  
                                                                                            1.149           --  
                                                                                            1.063           --  
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13).........................  1.967       30,458  
                                                                                            1.922       59,933  
                                                                                            1.895           --  
                                                                                            1.908           --  
                                                                                            1.819           --  
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)..........................  3.811       68,413  
                                                                                            3.326      137,021  
                                                                                            2.795           --  
                                                                                            2.898           --  
                                                                                            2.677           --  
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13).....................  1.973       37,875  
                                                                                            1.594       64,957  
                                                                                            1.587           --  
                                                                                            1.619           --  
                                                                                            1.738           --  
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13)..................  4.038       36,362  
                                                                                            3.554       54,214  
                                                                                            2.956           36  
                                                                                            3.116           --  
                                                                                            2.994           --  
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 10.386       34,958  
                                                                                            8.622       29,705  
                                                                                            7.791           --  
                                                                                            7.771           --  
                                                                                            6.917           --  
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................  1.310       64,602  
                                                                                            1.178       57,831  
                                                                                            1.091           --  
                                                                                            1.105           --  
                                                                                            1.028           --  
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)...................................  3.569      144,766  
                                                                                            3.052      228,635  
                                                                                            2.692           --  
                                                                                            2.720           --  
                                                                                            2.477           --  
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).............................  3.688       10,842  
                                                                                            3.215        3,947  
                                                                                            2.733           --  
                                                                                            2.742           --  
                                                                                            2.766           --  
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).......................  3.730      268,136  
                                                                                            2.820      436,431  
                                                                                            2.802           39  
                                                                                            2.559           --  
                                                                                            2.372           --  
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).......................  4.617       88,171  
                                                                                            3.802      122,437  
                                                                                            3.441           --  
                                                                                            3.389           --  
                                                                                            3.206           --  
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A)                              
  (5/16).................................................................................. 39.280        9,636  
                                                                                           36.621       18,608  
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).............  2.126       27,423  
                                                                                            2.104       50,228  
                                                                                            2.096           --  
                                                                                            2.103           --  
                                                                                            2.064           --  

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                            
                                                                                              UNIT      UNIT     NUMBER OF 
                                                                                             VALUE      VALUE      UNITS   
                                                                                               AT        AT     OUTSTANDING
                                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                      YEAR    OF YEAR     YEAR    END OF YEAR
---------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                           
Delaware VIP Trust                                                                                                         
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)........ 2017    1.335       1.483       14,842  
                                                                                   2016    1.026       1.335       25,822  
                                                                                   2015    1.103       1.026           --  
                                                                                   2014    1.052       1.103           --  
                                                                                   2013    1.005       1.052           --  
Fidelity(Reg. TM) Variable Insurance Products                                                                              
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13)............ 2017    7.477       9.010       85,395  
                                                                                   2016    7.003       7.477      158,183  
                                                                                   2015    7.037       7.003           --  
                                                                                   2014    6.360       7.037           --  
                                                                                   2013    6.097       6.360           --  
 Fidelity VIP Freedom 2020 Subaccount (5/15)...................................... 2017   17.291      19.923       63,006  
                                                                                   2016   16.490      17.291       98,961  
                                                                                   2015   17.348      16.490           --  
 Fidelity VIP Freedom 2025 Subaccount (5/15)...................................... 2017   18.220      21.230       38,578  
                                                                                   2016   17.347      18.220       79,781  
                                                                                   2015   18.321      17.347           --  
 Fidelity VIP Freedom 2030 Subaccount (5/15)...................................... 2017   18.086      21.634      139,649  
                                                                                   2016   17.156      18.086      115,111  
                                                                                   2015   18.241      17.156           --  
 Fidelity VIP Freedom 2040 Subaccount (5/15)...................................... 2017   23.748      29.019       18,376  
                                                                                   2016   22.495      23.748        7,760  
                                                                                   2015   23.988      22.495           --  
 Fidelity VIP Freedom 2050 Subaccount (5/15)...................................... 2017   24.266      29.652        8,553  
                                                                                   2016   22.978      24.266        6,075  
                                                                                   2015   24.520      22.978           --  
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 2017    6.985       8.344       81,118  
                                                                                   2016    6.297       6.985       92,941  
                                                                                   2015    6.460       6.297           --  
                                                                                   2014    6.147       6.460           --  
                                                                                   2013    5.858       6.147           --  
Franklin Templeton Variable Insurance Products Trust                                                                       
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 2017    1.310       1.823       83,878  
                                                                                   2016    1.126       1.310      168,845  
                                                                                   2015    1.413       1.126           --  
                                                                                   2014    1.556       1.413           --  
                                                                                   2013    1.516       1.556           --  
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 2017    3.940       4.556          159  
                                                                                   2016    3.709       3.940          353  
                                                                                   2015    4.003       3.709           --  
                                                                                   2014    4.545       4.003           --  
                                                                                   2013    4.331       4.545           --  
Janus Aspen Series                                                                                                         
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2017    7.769       9.785       15,309  
                                                                                   2016    6.993       7.769       31,893  
                                                                                   2015    6.800       6.993           --  
                                                                                   2014    6.113       6.800           --  
                                                                                   2013    5.874       6.113           --  
Legg Mason Partners Variable Equity Trust                                                                                  
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014    4.907       4.944           --  
                                                                                   2013    4.688       4.907           --  
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2017    6.302       7.467        6,486  
                                                                                   2016    5.793       6.302        5,096  
                                                                                   2015    5.754       5.793           --  
                                                                                   2014    5.231       5.754           --  
                                                                                   2013    5.014       5.231           --  
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2017    1.263       1.491       46,671  
                                                                                   2016    1.108       1.263       52,618  
                                                                                   2015    1.168       1.108           --  
                                                                                   2014    1.038       1.168           --  
                                                                                   2013    1.000       1.038           --  
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2017    3.095       3.858      129,427  

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                           
                                                                                             UNIT      UNIT     NUMBER OF 
                                                                                            VALUE      VALUE      UNITS   
                                                                                              AT        AT     OUTSTANDING
                                                                                          BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                     YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                          
                                                                                  2016   2.908       3.095      222,679   
                                                                                  2015   2.673       2.908           --   
                                                                                  2014   2.366       2.673           --   
                                                                                  2013   2.255       2.366           --   
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)....... 2017   3.265       4.021        6,825   
                                                                                  2016   3.113       3.265       12,622   
                                                                                  2015   3.285       3.113           --   
                                                                                  2014   3.185       3.285           --   
                                                                                  2013   2.993       3.185           --   
Legg Mason Partners Variable Income Trust                                                                                 
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)........................... 2017   3.212       3.366       31,136   
                                                                                  2016   3.100       3.212       51,470   
                                                                                  2015   3.091       3.100           --   
                                                                                  2014   3.129       3.091           --   
                                                                                  2013   3.121       3.129           --   
Trust for Advised Portfolios                                                                                              
 1919 Variable Socially Responsive Balanced Subaccount (12/13)................... 2017   4.707       5.446        4,430   
                                                                                  2016   4.471       4.707        1,078   
                                                                                  2015   4.590       4.471           --   
                                                                                  2014   4.238       4.590           --   
                                                                                  2013   4.106       4.238           --   

                                                        [Enlarge/Download Table]

                                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15%                                    
                                                                                                   UNIT      UNIT     NUMBER OF 
                                                                                                  VALUE      VALUE      UNITS   
                                                                                                    AT        AT     OUTSTANDING
                                                                                                BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                           YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                                
American Funds Insurance Series(Reg. TM)                                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)............................. 2017    4.225       5.492          --   
                                                                                        2016    4.248       4.225          --   
                                                                                        2015    4.018       4.248          --   
                                                                                        2014    3.973       4.018          --   
                                                                                        2013    3.789       3.973          --   
 American Funds Growth Subaccount (Class 2) (12/13).................................... 2017   29.209      37.045         405   
                                                                                        2016   26.986      29.209         276   
                                                                                        2015   25.546      26.986         132   
                                                                                        2014   23.815      25.546          18   
                                                                                        2013   22.844      23.815          --   
 American Funds Growth-Income Subaccount (Class 2) (12/13)............................. 2017   20.125      24.349         325   
                                                                                        2016   18.255      20.125         307   
                                                                                        2015   18.201      18.255         355   
                                                                                        2014   16.642      18.201         287   
                                                                                        2013   15.963      16.642          --   
Brighthouse Funds Trust I                                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)............................... 2017    3.118       3.331      11,943   
                                                                                        2016    2.760       3.118       9,049   
                                                                                        2015    2.901       2.760       7,515   
                                                                                        2014    2.838       2.901       5,098   
                                                                                        2013    2.817       2.838          --   
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)................... 2017    1.758       2.137          --   
                                                                                        2016    1.632       1.758      19,760   
                                                                                        2015    1.685       1.632      17,753   
                                                                                        2014    1.622       1.685       2,545   
                                                                                        2013    1.555       1.622          --   
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................ 2017    3.041       3.358          --   
                                                                                        2016    2.343       3.041          --   
                                                                                        2015    2.506       2.343          --   
                                                                                        2014    2.492       2.506          --   
                                                                                        2013    2.396       2.492          --   
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)....... 2017    1.007       1.280          --   
                                                                                        2016    0.910       1.007          --   
                                                                                        2015    1.067       0.910          --   
                                                                                        2014    1.151       1.067          --   
                                                                                        2013    1.133       1.151          --   

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)............. 2017    1.799        
                                                                                           2016    1.680        
                                                                                           2015    1.627        
                                                                                           2014    1.449        
                                                                                           2013    1.386        
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................ 2017    1.938        
                                                                                           2016    1.938        
                                                                                           2015    1.985        
                                                                                           2014    1.766        
                                                                                           2013    1.713        
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 2017   37.750        
                                                                                           2016   37.750        
                                                                                           2015   37.750        
                                                                                           2014   36.197        
                                                                                           2013   34.451        
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................... 2017    1.509        
                                                                                           2016    1.486        
                                                                                           2015    1.567        
                                                                                           2014    1.333        
                                                                                           2013    1.270        
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 2017    1.389        
                                                                                           2016    1.304        
                                                                                           2015    1.328        
                                                                                           2014    1.267        
                                                                                           2013    1.233        
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 2017    1.408        
                                                                                           2016    1.307        
                                                                                           2015    1.332        
                                                                                           2014    1.267        
                                                                                           2013    1.223        
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 2017    1.353        
                                                                                           2016    1.279        
                                                                                           2015    1.303        
                                                                                           2014    1.243        
                                                                                           2013    1.218        
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2017    2.547        
                                                                                           2016    2.376        
                                                                                           2015    2.512        
                                                                                           2014    2.690        
                                                                                           2013    2.562        
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 2017    1.231        
                                                                                           2016    1.062        
                                                                                           2015    1.142        
                                                                                           2014    1.057        
                                                                                           2013    1.011        
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 2017    3.045        
                                                                                           2016    2.757        
                                                                                           2015    2.829        
                                                                                           2014    2.645        
                                                                                           2013    2.527        
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2017    2.479        
                                                                                           2016    1.917        
                                                                                           2015    2.090        
                                                                                           2014    2.020        
                                                                                           2013    1.935        
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 2017    3.211        
                                                                                           2016    3.112        
                                                                                           2015    3.209        
                                                                                           2014    3.088        
                                                                                           2013    3.064        
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 2017    1.232        
                                                                                           2016    1.194        
                                                                                           2015    1.223        
                                                                                           2014    1.132        
                                                                                           2013    1.105        
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 2017    1.563        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).............  2.168          --   
                                                                                            1.799          --   
                                                                                            1.680          --   
                                                                                            1.627          --   
                                                                                            1.449          --   
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................  2.126       7,090   
                                                                                            1.938       6,223   
                                                                                            1.938       4,653   
                                                                                            1.985       3,063   
                                                                                            1.766          --   
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 37.750          --   
                                                                                           37.750          --   
                                                                                           37.750          --   
                                                                                           37.750          --   
                                                                                           36.197          --   
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13).........................  1.766          --   
                                                                                            1.509         977   
                                                                                            1.486          61   
                                                                                            1.567          --   
                                                                                            1.333          --   
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13).....  1.605          --   
                                                                                            1.389          --   
                                                                                            1.304          --   
                                                                                            1.328          --   
                                                                                            1.267          --   
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13).......  1.689          --   
                                                                                            1.408          --   
                                                                                            1.307          --   
                                                                                            1.332          --   
                                                                                            1.267          --   
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13).....  1.511          --   
                                                                                            1.353          --   
                                                                                            1.279          --   
                                                                                            1.303          --   
                                                                                            1.243          --   
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)..........................  3.293       2,638   
                                                                                            2.547       2,516   
                                                                                            2.376       1,011   
                                                                                            2.512         489   
                                                                                            2.690          --   
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)......................................  1.437          --   
                                                                                            1.231          --   
                                                                                            1.062          --   
                                                                                            1.142          --   
                                                                                            1.057          --   
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13)..............................  3.781          --   
                                                                                            3.045       1,694   
                                                                                            2.757       1,451   
                                                                                            2.829          --   
                                                                                            2.645          --   
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13)..............................  2.540          --   
                                                                                            2.479          --   
                                                                                            1.917          --   
                                                                                            2.090          --   
                                                                                            2.020          --   
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................  3.211          --   
                                                                                            3.211          --   
                                                                                            3.112          --   
                                                                                            3.209          --   
                                                                                            3.088          --   
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13).....................  1.408          --   
                                                                                            1.232          --   
                                                                                            1.194          --   
                                                                                            1.223          --   
                                                                                            1.132          --   
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)...................  1.980          --   

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                            GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                             
                                                                                                UNIT      UNIT     NUMBER OF 
                                                                                               VALUE      VALUE      UNITS   
                                                                                                 AT        AT     OUTSTANDING
                                                                                             BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                        YEAR    OF YEAR     YEAR    END OF YEAR
------------------------------------------------------------------------------------ ------ ----------- -------- ------------
                                                                                                                             
                                                                                     2016   1.595        1.563          --   
                                                                                     2015   1.642        1.595          --   
                                                                                     2014   1.785        1.642          --   
                                                                                     2013   1.707        1.785          --   
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)....................... 2017   1.066        1.441          --   
                                                                                     2016   1.076        1.066       6,062   
                                                                                     2015   1.048        1.076       3,988   
                                                                                     2014   1.039        1.048          --   
                                                                                     2013   0.992        1.039          --   
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13).................. 2017   0.988        1.014          --   
                                                                                     2016   0.950        0.988          --   
                                                                                     2015   0.990        0.950          --   
                                                                                     2014   0.971        0.990          --   
                                                                                     2013   0.977        0.971          --   
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13).............................. 2017   1.853        1.914      14,968   
                                                                                     2016   1.827        1.853      10,953   
                                                                                     2015   1.848        1.827       8,866   
                                                                                     2014   1.794        1.848       7,756   
                                                                                     2013   1.801        1.794          --   
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).................................... 2017   2.931        2.931          --   
                                                                                     2016   2.909        2.931          --   
                                                                                     2015   2.941        2.909          --   
                                                                                     2014   2.677        2.941          --   
                                                                                     2013   2.576        2.677          --   
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)........................ 2017   3.100        3.100          --   
                                                                                     2016   3.020        3.100          --   
                                                                                     2015   3.095        3.020          --   
                                                                                     2014   2.993        3.095          --   
                                                                                     2013   2.984        2.993          --   
 BHFTI Schroders Global Multi-Asset Portfolio II Subaccount (Class B) (12/13)....... 2017   1.167        1.344          --   
                                                                                     2016   1.129        1.167          --   
                                                                                     2015   1.157        1.129          --   
                                                                                     2014   1.077        1.157          --   
                                                                                     2013   1.051        1.077          --   
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................... 2017   8.977       10.379          --   
                                                                                     2016   7.832        8.977          --   
                                                                                     2015   8.217        7.832          --   
                                                                                     2014   7.338        8.217          --   
                                                                                     2013   7.071        7.338          --   
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13).................. 2017   4.103        4.441       2,025   
                                                                                     2016   3.594        4.103       1,104   
                                                                                     2015   3.994        3.594          --   
                                                                                     2014   3.685        3.994          --   
                                                                                     2013   3.534        3.685          --   
Brighthouse Funds Trust II                                                                                                   
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13).......................... 2017   7.142        7.350          --   
                                                                                     2016   7.006        7.142          --   
                                                                                     2015   7.045        7.006          --   
                                                                                     2014   6.655        7.045          --   
                                                                                     2013   6.667        6.655          --   
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)................. 2017   5.175        6.851       1,457   
                                                                                     2016   5.230        5.175         818   
                                                                                     2015   4.978        5.230          --   
                                                                                     2014   4.624        4.978          --   
                                                                                     2013   4.399        4.624          --   
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)...................... 2017   1.961        2.081       4,282   
                                                                                     2016   1.680        1.961       2,715   
                                                                                     2015   1.811        1.680          27   
                                                                                     2014   1.670        1.811          --   
                                                                                     2013   1.606        1.670          --   
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)................ 2017   2.481        2.474          --   
                                                                                     2016   2.501        2.481          --   
                                                                                     2015   2.530        2.501          --   
                                                                                     2014   2.559        2.530          --   
                                                                                     2013   2.560        2.559          --   
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)................ 2017   1.487        1.572          --   

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2016   1.439         
                                                                                           2015   1.464         
                                                                                           2014   1.418         
                                                                                           2013   1.408         
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)...................... 2017   1.584         
                                                                                           2016   1.510         
                                                                                           2015   1.544         
                                                                                           2014   1.489         
                                                                                           2013   1.464         
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)...................... 2017   1.656         
                                                                                           2016   1.564         
                                                                                           2015   1.603         
                                                                                           2014   1.543         
                                                                                           2013   1.502         
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)...................... 2017   1.704         
                                                                                           2016   1.594         
                                                                                           2015   1.640         
                                                                                           2014   1.577         
                                                                                           2013   1.522         
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 2017   7.260         
                                                                                           2016   6.864         
                                                                                           2015   6.769         
                                                                                           2014   6.194         
                                                                                           2013   6.014         
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 2017   5.873         
                                                                                           2016   5.535         
                                                                                           2015   5.468         
                                                                                           2014   4.999         
                                                                                           2013   4.781         
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 2017   7.863         
                                                                                           2016   7.554         
                                                                                           2015   7.435         
                                                                                           2014   6.772         
                                                                                           2013   6.524         
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 2017   1.242         
                                                                                           2016   1.255         
                                                                                           2015   1.146         
                                                                                           2014   1.063         
                                                                                           2013   1.017         
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 2017   1.837         
                                                                                           2016   1.816         
                                                                                           2015   1.832         
                                                                                           2014   1.752         
                                                                                           2013   1.756         
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 2017   3.192         
                                                                                           2016   2.689         
                                                                                           2015   2.795         
                                                                                           2014   2.589         
                                                                                           2013   2.487         
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 2017   1.523         
                                                                                           2016   1.520         
                                                                                           2015   1.555         
                                                                                           2014   1.673         
                                                                                           2013   1.586         
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 2017   3.396         
                                                                                           2016   2.832         
                                                                                           2015   2.993         
                                                                                           2014   2.882         
                                                                                           2013   2.743         
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 2017   8.066         
                                                                                           2016   7.306         
                                                                                           2015   7.306         
                                                                                           2014   6.519         
                                                                                           2013   6.261         
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 2017   1.169         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                           1.487           --   
                                                                                           1.439           --   
                                                                                           1.464           --   
                                                                                           1.418           --   
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)...................... 1.733           --   
                                                                                           1.584           --   
                                                                                           1.510           --   
                                                                                           1.544           --   
                                                                                           1.489           --   
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)...................... 1.879           --   
                                                                                           1.656           --   
                                                                                           1.564           --   
                                                                                           1.603           --   
                                                                                           1.543           --   
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)...................... 2.008           --   
                                                                                           1.704       49,754   
                                                                                           1.594       32,241   
                                                                                           1.640       15,151   
                                                                                           1.577           --   
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 8.264           --   
                                                                                           7.260           --   
                                                                                           6.864           --   
                                                                                           6.769           --   
                                                                                           6.194           --   
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 6.913        1,332   
                                                                                           5.873          724   
                                                                                           5.535           --   
                                                                                           5.468           --   
                                                                                           4.999           --   
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 9.727           --   
                                                                                           7.863           --   
                                                                                           7.554           --   
                                                                                           7.435           --   
                                                                                           6.772           --   
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 1.687           --   
                                                                                           1.242           --   
                                                                                           1.255           --   
                                                                                           1.146           --   
                                                                                           1.063           --   
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 1.875           --   
                                                                                           1.837           --   
                                                                                           1.816           --   
                                                                                           1.832           --   
                                                                                           1.752           --   
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 3.648           10   
                                                                                           3.192        2,180   
                                                                                           2.689        1,579   
                                                                                           2.795            9   
                                                                                           2.589           --   
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 1.880           --   
                                                                                           1.523           --   
                                                                                           1.520           --   
                                                                                           1.555           --   
                                                                                           1.673           --   
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 3.850           --   
                                                                                           3.396           --   
                                                                                           2.832           --   
                                                                                           2.993           --   
                                                                                           2.882           --   
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 9.691           --   
                                                                                           8.066        1,659   
                                                                                           7.306        1,224   
                                                                                           7.306           --   
                                                                                           6.519           --   
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 1.297           --   

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2016    1.085        
                                                                                           2015    1.101        
                                                                                           2014    1.028        
                                                                                           2013    1.002        
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)................................... 2017    2.914        
                                                                                           2016    2.577        
                                                                                           2015    2.611        
                                                                                           2014    2.383        
                                                                                           2013    2.274        
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)............................. 2017    3.085        
                                                                                           2016    2.629        
                                                                                           2015    2.644        
                                                                                           2014    2.675        
                                                                                           2013    2.576        
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)....................... 2017    2.695        
                                                                                           2016    2.685        
                                                                                           2015    2.457        
                                                                                           2014    2.284        
                                                                                           2013    2.193        
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)....................... 2017    3.618        
                                                                                           2016    3.283        
                                                                                           2015    3.241        
                                                                                           2014    3.074        
                                                                                           2013    2.942        
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A)                              
  (5/16).................................................................................. 2017   34.646        
                                                                                           2016   33.315        
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)............. 2017    1.991        
                                                                                           2016    1.988        
                                                                                           2015    2.000        
                                                                                           2014    1.967        
                                                                                           2013    1.973        
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................ 2017    1.325        
                                                                                           2016    1.020        
                                                                                           2015    1.100        
                                                                                           2014    1.051        
                                                                                           2013    1.004        
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13).................... 2017    7.077        
                                                                                           2016    6.645        
                                                                                           2015    6.694        
                                                                                           2014    6.065        
                                                                                           2013    5.815        
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 2017   16.793        
                                                                                           2016   16.056        
                                                                                           2015   16.918        
 Fidelity VIP Freedom 2025 Subaccount (5/15).............................................. 2017   17.696        
                                                                                           2016   16.890        
                                                                                           2015   17.867        
 Fidelity VIP Freedom 2030 Subaccount (5/15).............................................. 2017   17.566        
                                                                                           2016   16.704        
                                                                                           2015   17.789        
 Fidelity VIP Freedom 2040 Subaccount (5/15).............................................. 2017   23.294        
                                                                                           2016   22.120        
                                                                                           2015   23.626        
 Fidelity VIP Freedom 2050 Subaccount (5/15).............................................. 2017   23.801        
                                                                                           2016   22.594        
                                                                                           2015   24.151        
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)................................ 2017    6.677        
                                                                                           2016    6.035        
                                                                                           2015    6.206        
                                                                                           2014    5.921        
                                                                                           2013    5.643        
Franklin Templeton Variable Insurance Products Trust                                                            


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            1.169          --   
                                                                                            1.085          --   
                                                                                            1.101          --   
                                                                                            1.028          --   
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)...................................  3.399          --   
                                                                                            2.914          --   
                                                                                            2.577          --   
                                                                                            2.611          --   
                                                                                            2.383          --   
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).............................  3.530       2,669   
                                                                                            3.085       1,476   
                                                                                            2.629          --   
                                                                                            2.644          --   
                                                                                            2.675          --   
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).......................  3.556          --   
                                                                                            2.695          --   
                                                                                            2.685          --   
                                                                                            2.457          --   
                                                                                            2.284          --   
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).......................  4.383       2,201   
                                                                                            3.618       1,655   
                                                                                            3.283          27   
                                                                                            3.241          --   
                                                                                            3.074          --   
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A)                              
  (5/16).................................................................................. 37.069         230   
                                                                                           34.646         123   
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).............  2.006          --   
                                                                                            1.991          --   
                                                                                            1.988          --   
                                                                                            2.000          --   
                                                                                            1.967          --   
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................  1.468          --   
                                                                                            1.325          --   
                                                                                            1.020          --   
                                                                                            1.100          --   
                                                                                            1.051          --   
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13)....................  8.507       4,269   
                                                                                            7.077       3,374   
                                                                                            6.645       2,695   
                                                                                            6.694       1,597   
                                                                                            6.065          --   
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 19.301          --   
                                                                                           16.793          --   
                                                                                           16.056          --   
 Fidelity VIP Freedom 2025 Subaccount (5/15).............................................. 20.567          --   
                                                                                           17.696          --   
                                                                                           16.890          --   
 Fidelity VIP Freedom 2030 Subaccount (5/15).............................................. 20.959          --   
                                                                                           17.566          --   
                                                                                           16.704          --   
 Fidelity VIP Freedom 2040 Subaccount (5/15).............................................. 28.393          43   
                                                                                           23.294          --   
                                                                                           22.120          --   
 Fidelity VIP Freedom 2050 Subaccount (5/15).............................................. 29.012          --   
                                                                                           23.801          --   
                                                                                           22.594          --   
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)................................  7.957          --   
                                                                                            6.677          --   
                                                                                            6.035          --   
                                                                                            6.206          --   
                                                                                            5.921          --   
Franklin Templeton Variable Insurance Products Trust                                                            

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                            
                                                                                              UNIT      UNIT     NUMBER OF 
                                                                                             VALUE      VALUE      UNITS   
                                                                                               AT        AT     OUTSTANDING
                                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                      YEAR    OF YEAR     YEAR    END OF YEAR
---------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                           
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 2017   1.244       1.726           --   
                                                                                   2016   1.071       1.244           --   
                                                                                   2015   1.348       1.071           --   
                                                                                   2014   1.488       1.348           --   
                                                                                   2013   1.450       1.488           --   
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 2017   3.704       4.273           --   
                                                                                   2016   3.496       3.704           --   
                                                                                   2015   3.782       3.496           --   
                                                                                   2014   4.305       3.782           --   
                                                                                   2013   4.103       4.305           --   
Janus Aspen Series                                                                                                         
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2017   7.329       9.208           --   
                                                                                   2016   6.613       7.329           --   
                                                                                   2015   6.447       6.613           --   
                                                                                   2014   5.810       6.447           --   
                                                                                   2013   5.584       5.810           --   
Legg Mason Partners Variable Equity Trust                                                                                  
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014   4.667       4.698           --   
                                                                                   2013   4.459       4.667           --   
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2017   5.918       6.994           --   
                                                                                   2016   5.453       5.918           --   
                                                                                   2015   5.430       5.453           --   
                                                                                   2014   4.948       5.430           --   
                                                                                   2013   4.744       4.948           --   
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2017   1.253       1.476           --   
                                                                                   2016   1.102       1.253           --   
                                                                                   2015   1.165       1.102           --   
                                                                                   2014   1.037       1.165           --   
                                                                                   2013   1.000       1.037           --   
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2017   2.954       3.673        2,640   
                                                                                   2016   2.782       2.954        1,465   
                                                                                   2015   2.564       2.782           --   
                                                                                   2014   2.275       2.564           --   
                                                                                   2013   2.169       2.275           --   
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2017   3.127       3.842           --   
                                                                                   2016   2.990       3.127           --   
                                                                                   2015   3.163       2.990           --   
                                                                                   2014   3.074       3.163           --   
                                                                                   2013   2.889       3.074           --   
Legg Mason Partners Variable Income Trust                                                                                  
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2017   3.036       3.174           --   
                                                                                   2016   2.938       3.036           --   
                                                                                   2015   2.936       2.938           --   
                                                                                   2014   2.980       2.936           --   
                                                                                   2013   2.972       2.980           --   
Trust for Advised Portfolios                                                                                               
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 2017   4.427       5.109           --   
                                                                                   2016   4.215       4.427          571   
                                                                                   2015   4.338       4.215          501   
                                                                                   2014   4.015       4.338           --   
                                                                                   2013   3.891       4.015           --   

The date next to each funding option name reflects the date money first came    
into the funding option through the Separate Account.                           

Funding options not listed above had no amounts allocated to them or were not   
available as of December 31, 2017.                                              

Number of Units Outstanding at the end of the year may include units for        
Contracts in payout phase.                                                      

Please see Appendix B for more information on Variable Funding Option mergers,  
substitutions and other changes.                                                

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FINANCIAL STATEMENTS

The financial statements and financial highlights comprising each of the        
Divisions of the Separate Account and the consolidated financial statements of  
the Company are included herein.                                                

The financial statements of the Company should be considered only as bearing    
upon the ability of the Company to meet its obligations under the contracts.    

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                         

To the Contract Owners of                                                       
Metropolitan Life Separate Account E                                            
and Board of Directors of                                                       
Metropolitan Life Insurance Company                                             

OPINION ON THE FINANCIAL STATEMENTS AND FINANCIAL HIGHLIGHTS                    

We have audited the accompanying statements of assets and liabilities of        
Metropolitan Life Separate Account E (the "Separate Account") of Metropolitan   
Life Insurance Company (the "Company") comprising each of the individual        
Divisions listed in Note 2 as of December 31, 2017, the related statements of   
operations for the respective stated period in the year then ended, the         
statements of changes in net assets for the respective stated periods in the    
two years then ended, the financial highlights in Note 9 for the respective     
stated periods in the five years then ended, and the related notes. In our      
opinion, the financial statements and financial highlights present fairly, in   
all material respects, the financial position of each of the Divisions          
constituting the Separate Account of the Company as of December 31, 2017, the   
results of their operations for the respective stated period in the year then   
ended, the changes in their net assets for the respective stated period in the  
two years then ended, and the financial highlights for the respective stated    
periods in the five years then ended, in conformity with accounting principles  
generally accepted in the United States of America.                             

BASIS FOR OPINION                                                               

These financial statements and financial highlights are the responsibility of   
the Separate Account's management. Our responsibility is to express an opinion  
on the Separate Account's financial statements and financial highlights based   
on our audits. We are a public accounting firm registered with the Public       
Company Accounting Oversight Board (United States) (PCAOB) and are required to  
be independent with respect to the Separate Account in accordance with the U.S. 
federal securities laws and the applicable rules and regulations of the         
Securities and Exchange Commission and the PCAOB.                               

We conducted our audits in accordance with the standards of the PCAOB. Those    
standards require that we plan and perform the audit to obtain reasonable       
assurance about whether the financial statements and financial highlights are   
free of material misstatement, whether due to error or fraud. The Separate      
Account is not required to have, nor were we engaged to perform, an audit of    
its internal control over financial reporting. As part of our audits we are     
required to obtain an understanding of internal control over financial          
reporting but not for the purpose of expressing an opinion on the effectiveness 
of the Separate Account's internal control over financial reporting.            
Accordingly, we express no such opinion.                                        

Our audits included performing procedures to assess the risks of material       
misstatement of the financial statements and financial highlights, whether due  
to error or fraud, and performing procedures that respond to those risks. Such  
procedures included examining, on a test basis, evidence regarding the amounts  
and disclosures in the financial statements and financial highlights. Our       
audits also included evaluating the accounting principles used and significant  
estimates made by management, as well as evaluating the overall presentation of 
the financial statements and financial highlights. Our procedures included      
confirmation of investments owned as of December 31, 2017, by correspondence    
with the custodian or mutual fund companies. We believe that our audits provide 
a reasonable basis for our opinion.                                             

/s/ DELOITTE & TOUCHE LLP                                                       
Certified Public Accountants                                                    

Tampa, Florida                                                                  
March 23, 2018                                                                  

We have served as the Separate Account's auditor since 1984.                    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES    
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]

                                                                                        AMERICAN FUNDS                         
                                            AMERICAN FUNDS        AMERICAN FUNDS         GLOBAL SMALL         AMERICAN FUNDS   
                                                 BOND              GLOBAL GROWTH        CAPITALIZATION            GROWTH       
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         88,742,247  $            373,749  $        501,546,468  $      1,071,645,697
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                     3                     3
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................           88,742,247               373,749           501,546,471         1,071,645,700
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   15                    --                    20                    10
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   15                    --                    20                    10
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $         88,742,232  $            373,749  $        501,546,451  $      1,071,645,690
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         88,605,060  $            373,749  $        500,994,403  $      1,070,767,658
   Net assets from Contracts in payout..              137,172                    --               552,048               878,032
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $         88,742,232  $            373,749  $        501,546,451  $      1,071,645,690
                                         ====================  ====================  ====================  ====================

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]

                                                                                         BHFTI ALLIANZ                         
                                                                                       GLOBAL INVESTORS       BHFTI AMERICAN   
                                            AMERICAN FUNDS        BHFTI AB GLOBAL           DYNAMIC           FUNDS BALANCED   
                                             GROWTH-INCOME      DYNAMIC ALLOCATION     MULTI-ASSET PLUS         ALLOCATION     
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        845,856,819  $      1,634,691,188  $         79,721,576  $        919,484,653
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          845,856,819         1,634,691,188            79,721,576           919,484,653
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    9                     4                     4                     9
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                  174                     1                    --                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                  183                     5                     4                    10
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        845,856,636  $      1,634,691,183  $         79,721,572  $        919,484,643
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        844,498,284  $      1,634,638,800  $         79,721,572  $        919,068,785
   Net assets from Contracts in payout..            1,358,352                52,383                    --               415,858
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        845,856,636  $      1,634,691,183  $         79,721,572  $        919,484,643
                                         ====================  ====================  ====================  ====================



                                            BHFTI AMERICAN                             BHFTI AMERICAN                          
                                             FUNDS GROWTH         BHFTI AMERICAN       FUNDS MODERATE       BHFTI AQR GLOBAL   
                                              ALLOCATION           FUNDS GROWTH          ALLOCATION           RISK BALANCED    
                                               DIVISION              DIVISION             DIVISION              DIVISION       
                                         --------------------  --------------------  -------------------  -------------------- 
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        479,556,350  $        395,973,382  $       949,575,561  $      1,234,346,282 
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                   --                    -- 
                                         --------------------  --------------------  -------------------  -------------------- 
        Total Assets....................          479,556,350           395,973,382          949,575,561         1,234,346,282 
                                         --------------------  --------------------  -------------------  -------------------- 
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    7                     6                    3                     4 
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                     3                    1                     3 
                                         --------------------  --------------------  -------------------  -------------------- 
        Total Liabilities...............                    7                     9                    4                     7 
                                         --------------------  --------------------  -------------------  -------------------- 

NET ASSETS.............................. $        479,556,343  $        395,973,373  $       949,575,557  $      1,234,346,275 
                                         ====================  ====================  ===================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        479,480,422  $        395,921,520  $       949,110,411  $      1,234,309,056 
   Net assets from Contracts in payout..               75,921                51,853              465,146                37,219 
                                         --------------------  --------------------  -------------------  -------------------- 
        Total Net Assets................ $        479,556,343  $        395,973,373  $       949,575,557  $      1,234,346,275 
                                         ====================  ====================  ===================  ==================== 



                                            BHFTI BLACKROCK                                                                    
                                            GLOBAL TACTICAL       BHFTI BLACKROCK                                              
                                              STRATEGIES            HIGH YIELD                                                 
                                               DIVISION              DIVISION                                                  
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $      2,029,561,010  $            413,604                                            
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................        2,029,561,010               413,604                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    4                     2                                            
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    2                    --                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                    6                     2                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $      2,029,561,004  $            413,602                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $      2,029,455,307  $            413,602                                            
   Net assets from Contracts in payout..              105,697                    --                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $      2,029,561,004  $            413,602                                            
                                         ====================  ====================                                            

The accompanying notes are an integral part of these financial statements.    

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The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]


                                                                                                            BHFTI BRIGHTHOUSE/ 
                                           BHFTI BRIGHTHOUSE     BHFTI BRIGHTHOUSE     BHFTI BRIGHTHOUSE     ABERDEEN EMERGING 
                                         ASSET ALLOCATION 100      BALANCED PLUS        SMALL CAP VALUE       MARKETS EQUITY   
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        248,628,052  $      3,869,437,240  $         19,791,291  $         58,423,947
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          248,628,052         3,869,437,240            19,791,291            58,423,947
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    5                     4                     6                     9
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    7                    --                    --                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   12                     4                     6                    10
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        248,628,040  $      3,869,437,236  $         19,791,285  $         58,423,937
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        241,708,072  $      3,869,337,049  $         19,791,285  $         58,414,036
   Net assets from Contracts in payout..            6,919,968               100,187                    --                 9,901
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        248,628,040  $      3,869,437,236  $         19,791,285  $         58,423,937
                                         ====================  ====================  ====================  ====================


                                                                                      BHFTI BRIGHTHOUSE/                       
                                          BHFTI BRIGHTHOUSE/    BHFTI BRIGHTHOUSE/         FRANKLIN         BHFTI BRIGHTHOUSE/ 
                                                ARTISAN             EATON VANCE          LOW DURATION            TEMPLETON     
                                             INTERNATIONAL         FLOATING RATE         TOTAL RETURN       INTERNATIONAL BOND 
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $              2,811  $         29,625,667  $         83,966,103  $          7,449,822
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................                2,811            29,625,667            83,966,103             7,449,822
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    1                     8                     9                     7
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                    --                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    1                     8                     9                     8
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $              2,810  $         29,625,659  $         83,966,094  $          7,449,814
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $              2,810  $         29,625,659  $         83,906,164  $          7,449,814
   Net assets from Contracts in payout..                   --                    --                59,930                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $              2,810  $         29,625,659  $         83,966,094  $          7,449,814
                                         ====================  ====================  ====================  ====================


                                           BHFTI BRIGHTHOUSE/                                                                  
                                               WELLINGTON                                                                      
                                                LARGE CAP           BHFTI CLARION                                              
                                                RESEARCH         GLOBAL REAL ESTATE                                            
                                                DIVISION              DIVISION                                                 
                                         ---------------------  --------------------                                           
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         764,291,205  $        218,280,049                                           
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                    --                     5                                           
                                         ---------------------  --------------------                                           
        Total Assets....................           764,291,205           218,280,054                                           
                                         ---------------------  --------------------                                           
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    18                    15                                           
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    --                    --                                           
                                         ---------------------  --------------------                                           
        Total Liabilities...............                    18                    15                                           
                                         ---------------------  --------------------                                           

NET ASSETS.............................. $         764,291,187  $        218,280,039                                           
                                         =====================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         755,689,834  $        218,089,867                                           
   Net assets from Contracts in payout..             8,601,353               190,172                                           
                                         ---------------------  --------------------                                           
        Total Net Assets................ $         764,291,187  $        218,280,039                                           
                                         =====================  ====================                                           

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]

                                                                 BHFTI HARRIS           BHFTI INVESCO                         
                                          BHFTI CLEARBRIDGE         OAKMARK             BALANCED-RISK         BHFTI INVESCO   
                                          AGGRESSIVE GROWTH      INTERNATIONAL           ALLOCATION             COMSTOCK      
                                              DIVISION             DIVISION               DIVISION              DIVISION      
                                         -------------------  --------------------  --------------------  --------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $       575,606,364  $        554,231,981  $        556,009,736  $             47,961
   Due from Metropolitan Life                                                                                                 
     Insurance Company..................                  17                     8                    --                    --
                                         -------------------  --------------------  --------------------  --------------------
        Total Assets....................         575,606,381           554,231,989           556,009,736                47,961
                                         -------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                  
   Accrued fees.........................                  16                    16                     4                     3
   Due to Metropolitan Life                                                                                                   
     Insurance Company..................                  --                    --                    --                    --
                                         -------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                  16                    16                     4                     3
                                         -------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $       575,606,365  $        554,231,973  $        556,009,732  $             47,958
                                         ===================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $       575,356,020  $        553,826,760  $        556,002,062  $             47,958
   Net assets from Contracts in payout..             250,345               405,213                 7,670                    --
                                         -------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $       575,606,365  $        554,231,973  $        556,009,732  $             47,958
                                         ===================  ====================  ====================  ====================


                                                                                            BHFTI                             
                                             BHFTI INVESCO        BHFTI JPMORGAN       JPMORGAN GLOBAL       BHFTI JPMORGAN   
                                           SMALL CAP GROWTH          CORE BOND        ACTIVE ALLOCATION      SMALL CAP VALUE  
                                               DIVISION              DIVISION             DIVISION              DIVISION      
                                         --------------------  --------------------  -------------------  ------------------- 
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $         56,474,509  $         95,678,202  $       861,680,926  $        24,628,950 
   Due from Metropolitan Life                                                                                                 
     Insurance Company..................                   --                    --                   --                   -- 
                                         --------------------  --------------------  -------------------  ------------------- 
        Total Assets....................           56,474,509            95,678,202          861,680,926           24,628,950 
                                         --------------------  --------------------  -------------------  ------------------- 
LIABILITIES:                                                                                                                  
   Accrued fees.........................                   21                     4                    3                   10 
   Due to Metropolitan Life                                                                                                   
     Insurance Company..................                    2                     1                    1                    1 
                                         --------------------  --------------------  -------------------  ------------------- 
        Total Liabilities...............                   23                     5                    4                   11 
                                         --------------------  --------------------  -------------------  ------------------- 

NET ASSETS.............................. $         56,474,486  $         95,678,197  $       861,680,922  $        24,628,939 
                                         ====================  ====================  ===================  =================== 
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $         56,449,311  $         95,660,874  $       861,665,727  $        24,627,881 
   Net assets from Contracts in payout..               25,175                17,323               15,195                1,058 
                                         --------------------  --------------------  -------------------  ------------------- 
        Total Net Assets................ $         56,474,486  $         95,678,197  $       861,680,922  $        24,628,939 
                                         ====================  ====================  ===================  =================== 


                                                                   BHFTI METLIFE                                              
                                          BHFTI LOOMIS SAYLES       MULTI-INDEX                                               
                                            GLOBAL MARKETS         TARGETED RISK                                              
                                               DIVISION              DIVISION                                                 
                                         --------------------  --------------------                                           
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $        124,432,495  $        966,194,520                                           
   Due from Metropolitan Life                                                                                                 
     Insurance Company..................                   --                    --                                           
                                         --------------------  --------------------                                           
        Total Assets....................          124,432,495           966,194,520                                           
                                         --------------------  --------------------                                           
LIABILITIES:                                                                                                                  
   Accrued fees.........................                    8                     5                                           
   Due to Metropolitan Life                                                                                                   
     Insurance Company..................                    1                     1                                           
                                         --------------------  --------------------                                           
        Total Liabilities...............                    9                     6                                           
                                         --------------------  --------------------                                           

NET ASSETS.............................. $        124,432,486  $        966,194,514                                           
                                         ====================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $        124,421,814  $        966,156,389                                           
   Net assets from Contracts in payout..               10,672                38,125                                           
                                         --------------------  --------------------                                           
        Total Net Assets................ $        124,432,486  $        966,194,514                                           
                                         ====================  ====================                                           

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]

                                                                       BHFTI                                      BHFTI       
                                          BHFTI MFS RESEARCH      MORGAN STANLEY       BHFTI OPPENHEIMER     PANAGORA GLOBAL  
                                             INTERNATIONAL        MID CAP GROWTH         GLOBAL EQUITY      DIVERSIFIED RISK  
                                               DIVISION              DIVISION              DIVISION             DIVISION      
                                         --------------------  --------------------  --------------------  -------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $        202,267,420  $        339,623,716  $       282,853,099   $        95,392,821
   Due from Metropolitan Life                                                                                                 
     Insurance Company..................                   --                    --                   --                    --
                                         --------------------  --------------------  --------------------  -------------------
        Total Assets....................          202,267,420           339,623,716          282,853,099            95,392,821
                                         --------------------  --------------------  --------------------  -------------------
LIABILITIES:                                                                                                                  
   Accrued fees.........................                   19                    16                   12                     5
   Due to Metropolitan Life                                                                                                   
     Insurance Company..................                   12                     1                    6                     1
                                         --------------------  --------------------  --------------------  -------------------
        Total Liabilities...............                   31                    17                   18                     6
                                         --------------------  --------------------  --------------------  -------------------

NET ASSETS.............................. $        202,267,389  $        339,623,699  $       282,853,081   $        95,392,815
                                         ====================  ====================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $        201,796,087  $        339,044,244  $       282,516,993   $        95,361,063
   Net assets from Contracts in payout..              471,302               579,455              336,088                31,752
                                         --------------------  --------------------  --------------------  -------------------
        Total Net Assets................ $        202,267,389  $        339,623,699  $       282,853,081   $        95,392,815
                                         ====================  ====================  ====================  ===================


                                                 BHFTI                                                                        
                                            PIMCO INFLATION        BHFTI PIMCO          BHFTI PYRAMIS        BHFTI SCHRODERS  
                                            PROTECTED BOND        TOTAL RETURN        GOVERNMENT INCOME    GLOBAL MULTI-ASSET 
                                               DIVISION             DIVISION              DIVISION              DIVISION      
                                         --------------------  -------------------  --------------------  --------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $        425,983,687  $       908,315,461  $        458,735,095  $        564,139,936
   Due from Metropolitan Life                                                                                                 
     Insurance Company..................                   --                    5                    --                    --
                                         --------------------  -------------------  --------------------  --------------------
        Total Assets....................          425,983,687          908,315,466           458,735,095           564,139,936
                                         --------------------  -------------------  --------------------  --------------------
LIABILITIES:                                                                                                                  
   Accrued fees.........................                   11                   12                     5                     3
   Due to Metropolitan Life                                                                                                   
     Insurance Company..................                    1                   --                    --                    --
                                         --------------------  -------------------  --------------------  --------------------
        Total Liabilities...............                   12                   12                     5                     3
                                         --------------------  -------------------  --------------------  --------------------

NET ASSETS.............................. $        425,983,675  $       908,315,454  $        458,735,090  $        564,139,933
                                         ====================  ===================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $        425,498,857  $       907,683,561  $        458,723,089  $        564,115,093
   Net assets from Contracts in payout..              484,818              631,893                12,001                24,840
                                         --------------------  -------------------  --------------------  --------------------
        Total Net Assets................ $        425,983,675  $       908,315,454  $        458,735,090  $        564,139,933
                                         ====================  ===================  ====================  ====================


                                                                        BHFTI                                                 
                                            BHFTI SCHRODERS          SSGA GROWTH                                              
                                         GLOBAL MULTI-ASSET II     AND INCOME ETF                                             
                                               DIVISION               DIVISION                                                
                                         ---------------------  --------------------                                          
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $        422,442,903   $        869,542,359                                          
   Due from Metropolitan Life                                                                                                 
     Insurance Company..................                   --                     --                                          
                                         ---------------------  --------------------                                          
        Total Assets....................          422,442,903            869,542,359                                          
                                         ---------------------  --------------------                                          
LIABILITIES:                                                                                                                  
   Accrued fees.........................                    4                      7                                          
   Due to Metropolitan Life                                                                                                   
     Insurance Company..................                   --                      1                                          
                                         ---------------------  --------------------                                          
        Total Liabilities...............                    4                      8                                          
                                         ---------------------  --------------------                                          

NET ASSETS.............................. $        422,442,899   $        869,542,351                                          
                                         =====================  ====================                                          
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $        422,442,899   $        869,331,726                                          
   Net assets from Contracts in payout..                   --                210,625                                          
                                         ---------------------  --------------------                                          
        Total Net Assets................ $        422,442,899   $        869,542,351                                          
                                         =====================  ====================                                          

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]


                                                 BHFTI          BHFTI T. ROWE PRICE   BHFTI T. ROWE PRICE     BHFTI TCW CORE   
                                            SSGA GROWTH ETF       LARGE CAP VALUE       MID CAP GROWTH         FIXED INCOME    
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        157,056,030  $            578,722  $        506,160,550  $            255,409
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          157,056,030               578,722           506,160,550               255,409
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    9                     3                     8                     1
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    1                     1                     2                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   10                     4                    10                     1
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        157,056,020  $            578,718  $        506,160,540  $            255,408
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        157,031,283  $            578,718  $        505,774,296  $            255,408
   Net assets from Contracts in payout..               24,737                    --               386,244                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        157,056,020  $            578,718  $        506,160,540  $            255,408
                                         ====================  ====================  ====================  ====================


                                             BHFTI VICTORY          BHFTI WELLS             BHFTII                             
                                               SYCAMORE         CAPITAL MANAGEMENT      BAILLIE GIFFORD      BHFTII BLACKROCK  
                                             MID CAP VALUE         MID CAP VALUE      INTERNATIONAL STOCK       BOND INCOME    
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        424,806,945  $            342,506  $        139,877,356  $        455,410,551
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   52                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          424,806,997               342,506           139,877,356           455,410,551
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   15                     3                    12                    15
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                     3                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   15                     3                    15                    16
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        424,806,982  $            342,503  $        139,877,341  $        455,410,535
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        424,252,007  $            342,503  $        139,456,344  $        453,121,229
   Net assets from Contracts in payout..              554,975                    --               420,997             2,289,306
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        424,806,982  $            342,503  $        139,877,341  $        455,410,535
                                         ====================  ====================  ====================  ====================


                                                                 BHFTII BLACKROCK                                              
                                           BHFTII BLACKROCK         ULTRA-SHORT                                                
                                         CAPITAL APPRECIATION        TERM BOND                                                 
                                               DIVISION              DIVISION                                                  
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        187,945,567  $         56,416,035                                            
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                    3                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................          187,945,570            56,416,035                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   18                     8                                            
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                     1                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                   18                     9                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $        187,945,552  $         56,416,026                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        186,891,492  $         56,031,618                                            
   Net assets from Contracts in payout..            1,054,060               384,408                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $        187,945,552  $         56,416,026                                            
                                         ====================  ====================                                            

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]


                                          BHFTII BRIGHTHOUSE    BHFTII BRIGHTHOUSE     BHFTII BRIGHTHOUSE    BHFTII BRIGHTHOUSE  
                                          ASSET ALLOCATION 20   ASSET ALLOCATION 40    ASSET ALLOCATION 60   ASSET ALLOCATION 80 
                                               DIVISION              DIVISION               DIVISION              DIVISION       
                                         --------------------  --------------------  ---------------------  -------------------- 
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $        409,028,446  $      1,155,673,995  $       3,928,953,273  $      1,933,591,742 
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                     --                    -- 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Assets....................          409,028,446         1,155,673,995          3,928,953,273         1,933,591,742 
                                         --------------------  --------------------  ---------------------  -------------------- 
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    5                     5                      4                     6 
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                    1                    --                      1                    -- 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Liabilities...............                    6                     5                      5                     6 
                                         --------------------  --------------------  ---------------------  -------------------- 

NET ASSETS.............................. $        409,028,440  $      1,155,673,990  $       3,928,953,268  $      1,933,591,736 
                                         ====================  ====================  =====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $        408,946,486  $      1,155,053,129  $       3,927,205,756  $      1,930,627,163 
   Net assets from Contracts in payout..               81,954               620,861              1,747,512             2,964,573 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Net Assets................ $        409,028,440  $      1,155,673,990  $       3,928,953,268  $      1,933,591,736 
                                         ====================  ====================  =====================  ==================== 


                                                                 BHFTII BRIGHTHOUSE/                          BHFTII BRIGHTHOUSE/
                                          BHFTII BRIGHTHOUSE/        DIMENSIONAL                                  WELLINGTON     
                                                ARTISAN             INTERNATIONAL      BHFTII BRIGHTHOUSE/        CORE EQUITY    
                                             MID CAP VALUE          SMALL COMPANY      WELLINGTON BALANCED       OPPORTUNITIES   
                                               DIVISION               DIVISION              DIVISION               DIVISION      
                                         ---------------------  --------------------  --------------------  ---------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         226,673,889  $          9,595,926  $        610,158,978  $         570,742,766
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                    --                    --                    --                     --
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Assets....................           226,673,889             9,595,926           610,158,978            570,742,766
                                         ---------------------  --------------------  --------------------  ---------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    11                     8                     5                     20
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                     1                     1                     1                     --
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Liabilities...............                    12                     9                     6                     20
                                         ---------------------  --------------------  --------------------  ---------------------

NET ASSETS.............................. $         226,673,877  $          9,595,917  $        610,158,972  $         570,742,746
                                         =====================  ====================  ====================  =====================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         225,774,068  $          9,595,917  $        601,510,761  $         568,350,343
   Net assets from Contracts in payout..               899,809                    --             8,648,211              2,392,403
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Net Assets................ $         226,673,877  $          9,595,917  $        610,158,972  $         570,742,746
                                         =====================  ====================  ====================  =====================



                                                BHFTII                                                                           
                                               FRONTIER                BHFTII                                                    
                                            MID CAP GROWTH         JENNISON GROWTH                                               
                                               DIVISION               DIVISION                                                   
                                         ---------------------  --------------------                                             
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         508,449,781  $        203,130,945                                             
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                    20                    --                                             
                                         ---------------------  --------------------                                             
        Total Assets....................           508,449,801           203,130,945                                             
                                         ---------------------  --------------------                                             
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    12                    12                                             
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                    --                     5                                             
                                         ---------------------  --------------------                                             
        Total Liabilities...............                    12                    17                                             
                                         ---------------------  --------------------                                             

NET ASSETS.............................. $         508,449,789  $        203,130,928                                             
                                         =====================  ====================                                             
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         507,531,810  $        202,716,790                                             
   Net assets from Contracts in payout..               917,979               414,138                                             
                                         ---------------------  --------------------                                             
        Total Net Assets................ $         508,449,789  $        203,130,928                                             
                                         =====================  ====================                                             

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]

                                                BHFTII                BHFTII                                                    
                                             LOOMIS SAYLES         LOOMIS SAYLES        BHFTII METLIFE         BHFTII METLIFE   
                                            SMALL CAP CORE       SMALL CAP GROWTH    AGGREGATE BOND INDEX    MID CAP STOCK INDEX
                                               DIVISION              DIVISION              DIVISION               DIVISION      
                                         --------------------  --------------------  ---------------------  --------------------
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $        185,343,491  $         54,566,744  $      1,126,629,353   $        580,186,949
   Due from Metropolitan Life                                                                                                   
     Insurance Company..................                    6                    --                    --                     11
                                         --------------------  --------------------  ---------------------  --------------------
        Total Assets....................          185,343,497            54,566,744         1,126,629,353            580,186,960
                                         --------------------  --------------------  ---------------------  --------------------
LIABILITIES:                                                                                                                    
   Accrued fees.........................                   17                    13                     9                     12
   Due to Metropolitan Life                                                                                                     
     Insurance Company..................                   --                     1                     2                     --
                                         --------------------  --------------------  ---------------------  --------------------
        Total Liabilities...............                   17                    14                    11                     12
                                         --------------------  --------------------  ---------------------  --------------------

NET ASSETS.............................. $        185,343,480  $         54,566,730  $      1,126,629,342   $        580,186,948
                                         ====================  ====================  =====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $        184,250,910  $         54,507,182  $      1,123,565,150   $        579,186,107
   Net assets from Contracts in payout..            1,092,570                59,548             3,064,192              1,000,841
                                         --------------------  --------------------  ---------------------  --------------------
        Total Net Assets................ $        185,343,480  $         54,566,730  $      1,126,629,342   $        580,186,948
                                         ====================  ====================  =====================  ====================



                                            BHFTII METLIFE        BHFTII METLIFE        BHFTII METLIFE          BHFTII MFS      
                                            MSCI EAFE INDEX     RUSSELL 2000 INDEX        STOCK INDEX          TOTAL RETURN     
                                               DIVISION              DIVISION              DIVISION              DIVISION       
                                         --------------------  --------------------  --------------------  -------------------- 
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $        524,736,175  $        373,905,344  $      3,191,113,533  $        145,097,998 
   Due from Metropolitan Life                                                                                                   
     Insurance Company..................                   --                    34                    --                     1 
                                         --------------------  --------------------  --------------------  -------------------- 
        Total Assets....................          524,736,175           373,905,378         3,191,113,533           145,097,999 
                                         --------------------  --------------------  --------------------  -------------------- 
LIABILITIES:                                                                                                                    
   Accrued fees.........................                   14                    16                    15                     9 
   Due to Metropolitan Life                                                                                                     
     Insurance Company..................                    1                    --                    33                    -- 
                                         --------------------  --------------------  --------------------  -------------------- 
        Total Liabilities...............                   15                    16                    48                     9 
                                         --------------------  --------------------  --------------------  -------------------- 

NET ASSETS.............................. $        524,736,160  $        373,905,362  $      3,191,113,485  $        145,097,990 
                                         ====================  ====================  ====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $        524,097,483  $        373,435,224  $      3,152,551,459  $        143,237,025 
   Net assets from Contracts in payout..              638,677               470,138            38,562,026             1,860,965 
                                         --------------------  --------------------  --------------------  -------------------- 
        Total Net Assets................ $        524,736,160  $        373,905,362  $      3,191,113,485  $        145,097,990 
                                         ====================  ====================  ====================  ==================== 



                                                                      BHFTII                                                    
                                           BHFTII MFS VALUE        MFS VALUE II                                                 
                                               DIVISION              DIVISION                                                   
                                         --------------------  --------------------                                             
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $        523,781,745  $        254,251,604                                             
   Due from Metropolitan Life                                                                                                   
     Insurance Company..................                    2                    18                                             
                                         --------------------  --------------------                                             
        Total Assets....................          523,781,747           254,251,622                                             
                                         --------------------  --------------------                                             
LIABILITIES:                                                                                                                    
   Accrued fees.........................                   10                    13                                             
   Due to Metropolitan Life                                                                                                     
     Insurance Company..................                   --                    --                                             
                                         --------------------  --------------------                                             
        Total Liabilities...............                   10                    13                                             
                                         --------------------  --------------------                                             

NET ASSETS.............................. $        523,781,737  $        254,251,609                                             
                                         ====================  ====================                                             
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $        517,238,545  $        254,126,374                                             
   Net assets from Contracts in payout..            6,543,192               125,235                                             
                                         --------------------  --------------------                                             
        Total Net Assets................ $        523,781,737  $        254,251,609                                             
                                         ====================  ====================                                             

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]


                                                BHFTII                 BHFTII                BHFTII                BHFTII        
                                           NEUBERGER BERMAN         T. ROWE PRICE         T. ROWE PRICE        VAN ECK GLOBAL    
                                                GENESIS           LARGE CAP GROWTH      SMALL CAP GROWTH      NATURAL RESOURCES  
                                               DIVISION               DIVISION              DIVISION              DIVISION       
                                         ---------------------  --------------------  --------------------  -------------------- 
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         314,115,976  $        609,640,872  $        467,200,330  $         37,269,868 
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                    --                    15                    10                    -- 
                                         ---------------------  --------------------  --------------------  -------------------- 
        Total Assets....................           314,115,976           609,640,887           467,200,340            37,269,868 
                                         ---------------------  --------------------  --------------------  -------------------- 
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    19                    13                    14                     7 
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                     1                    --                    --                     1 
                                         ---------------------  --------------------  --------------------  -------------------- 
        Total Liabilities...............                    20                    13                    14                     8 
                                         ---------------------  --------------------  --------------------  -------------------- 

NET ASSETS.............................. $         314,115,956  $        609,640,874  $        467,200,326  $         37,269,860 
                                         =====================  ====================  ====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         313,304,748  $        598,940,398  $        466,676,053  $         37,269,860 
   Net assets from Contracts in payout..               811,208            10,700,476               524,273                    -- 
                                         ---------------------  --------------------  --------------------  -------------------- 
        Total Net Assets................ $         314,115,956  $        609,640,874  $        467,200,326  $         37,269,860 
                                         =====================  ====================  ====================  ==================== 


                                            BHFTII WESTERN                                                                       
                                           ASSET MANAGEMENT       BHFTII WESTERN                                                 
                                            STRATEGIC BOND       ASSET MANAGEMENT           BLACKROCK             CALVERT VP     
                                             OPPORTUNITIES        U.S. GOVERNMENT    GLOBAL ALLOCATION V.I.      SRI BALANCED    
                                               DIVISION              DIVISION               DIVISION               DIVISION      
                                         --------------------  --------------------  ----------------------  --------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $        514,265,602  $        159,678,234   $             96,278   $         51,869,404
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                    1                    --                     --                     --
                                         --------------------  --------------------  ----------------------  --------------------
        Total Assets....................          514,265,603           159,678,234                 96,278             51,869,404
                                         --------------------  --------------------  ----------------------  --------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                   15                    20                      2                      1
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                   --                     1                     --                     --
                                         --------------------  --------------------  ----------------------  --------------------
        Total Liabilities...............                   15                    21                      2                      1
                                         --------------------  --------------------  ----------------------  --------------------

NET ASSETS.............................. $        514,265,588  $        159,678,213   $             96,276   $         51,869,403
                                         ====================  ====================  ======================  ====================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $        512,672,736  $        159,445,341   $             96,276   $         51,869,403
   Net assets from Contracts in payout..            1,592,852               232,872                     --                     --
                                         --------------------  --------------------  ----------------------  --------------------
        Total Net Assets................ $        514,265,588  $        159,678,213   $             96,276   $         51,869,403
                                         ====================  ====================  ======================  ====================



                                              CALVERT VP           DELAWARE VIP                                                  
                                              SRI MID CAP         SMALL CAP VALUE                                                
                                               DIVISION              DIVISION                                                    
                                         --------------------  --------------------                                              
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $          8,745,518  $             22,011                                              
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                                              
                                         --------------------  --------------------                                              
        Total Assets....................            8,745,518                22,011                                              
                                         --------------------  --------------------                                              
LIABILITIES:                                                                                                                     
   Accrued fees.........................                   --                    --                                              
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                   --                     1                                              
                                         --------------------  --------------------                                              
        Total Liabilities...............                   --                     1                                              
                                         --------------------  --------------------                                              

NET ASSETS.............................. $          8,745,518  $             22,010                                              
                                         ====================  ====================                                              
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $          8,745,518  $             22,010                                              
   Net assets from Contracts in payout..                   --                    --                                              
                                         --------------------  --------------------                                              
        Total Net Assets................ $          8,745,518  $             22,010                                              
                                         ====================  ====================                                              

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]


                                              FIDELITY VIP           FIDELITY VIP           FIDELITY VIP          FIDELITY VIP     
                                               CONTRAFUND            EQUITY-INCOME          FREEDOM 2020          FREEDOM 2025     
                                                DIVISION               DIVISION               DIVISION              DIVISION       
                                         ---------------------  ---------------------  ---------------------  ---------------------
                                                                                                                                   
ASSETS:                                                                                                                            
   Investments at fair value............ $             805,722  $          78,340,012  $           1,255,251  $             819,001
   Due from Metropolitan Life                                                                                                      
     Insurance Company..................                    --                     --                     --                     --
                                         ---------------------  ---------------------  ---------------------  ---------------------
        Total Assets....................               805,722             78,340,012              1,255,251                819,001
                                         ---------------------  ---------------------  ---------------------  ---------------------
LIABILITIES:                                                                                                                       
   Accrued fees.........................                    --                      2                     --                      1
   Due to Metropolitan Life                                                                                                        
     Insurance Company..................                    --                     --                     --                     --
                                         ---------------------  ---------------------  ---------------------  ---------------------
        Total Liabilities...............                    --                      2                     --                      1
                                         ---------------------  ---------------------  ---------------------  ---------------------

NET ASSETS.............................. $             805,722  $          78,340,010  $           1,255,251  $             819,000
                                         =====================  =====================  =====================  =====================
CONTRACT OWNERS' EQUITY                                                                                                            
   Net assets from accumulation units... $             805,722  $          77,233,611  $           1,255,251  $             819,000
   Net assets from Contracts in payout..                    --              1,106,399                     --                     --
                                         ---------------------  ---------------------  ---------------------  ---------------------
        Total Net Assets................ $             805,722  $          78,340,010  $           1,255,251  $             819,000
                                         =====================  =====================  =====================  =====================



                                             FIDELITY VIP          FIDELITY VIP          FIDELITY VIP          FIDELITY VIP        
                                             FREEDOM 2030          FREEDOM 2040          FREEDOM 2050        FUNDSMANAGER 50%      
                                               DIVISION              DIVISION              DIVISION              DIVISION          
                                         --------------------  --------------------  --------------------  --------------------    
                                                                                                                                   
ASSETS:                                                                                                                            
   Investments at fair value............ $          3,021,173  $            534,464  $            253,618  $        315,705,343    
   Due from Metropolitan Life                                                                                                      
     Insurance Company..................                   --                     1                     1                    --    
                                         --------------------  --------------------  --------------------  --------------------    
        Total Assets....................            3,021,173               534,465               253,619           315,705,343    
                                         --------------------  --------------------  --------------------  --------------------    
LIABILITIES:                                                                                                                       
   Accrued fees.........................                   --                     1                     1                    --    
   Due to Metropolitan Life                                                                                                        
     Insurance Company..................                   --                    --                    --                    --    
                                         --------------------  --------------------  --------------------  --------------------    
        Total Liabilities...............                   --                     1                     1                    --    
                                         --------------------  --------------------  --------------------  --------------------    

NET ASSETS.............................. $          3,021,173  $            534,464  $            253,618  $        315,705,343    
                                         ====================  ====================  ====================  ====================    
CONTRACT OWNERS' EQUITY                                                                                                            
   Net assets from accumulation units... $          3,021,173  $            534,464  $            253,618  $        315,705,343    
   Net assets from Contracts in payout..                   --                    --                    --                    --    
                                         --------------------  --------------------  --------------------  --------------------    
        Total Net Assets................ $          3,021,173  $            534,464  $            253,618  $        315,705,343    
                                         ====================  ====================  ====================  ====================    


                                                                   FIDELITY VIP                                                    
                                             FIDELITY VIP        GOVERNMENT MONEY                                                  
                                           FUNDSMANAGER 60%           MARKET                                                       
                                               DIVISION              DIVISION                                                      
                                         --------------------  --------------------                                                
                                                                                                                                   
ASSETS:                                                                                                                            
   Investments at fair value............ $        286,973,776  $          5,009,177                                                
   Due from Metropolitan Life                                                                                                      
     Insurance Company..................                    1                    --                                                
                                         --------------------  --------------------                                                
        Total Assets....................          286,973,777             5,009,177                                                
                                         --------------------  --------------------                                                
LIABILITIES:                                                                                                                       
   Accrued fees.........................                   --                    --                                                
   Due to Metropolitan Life                                                                                                        
     Insurance Company..................                   --                     1                                                
                                         --------------------  --------------------                                                
        Total Liabilities...............                   --                     1                                                
                                         --------------------  --------------------                                                

NET ASSETS.............................. $        286,973,777  $          5,009,176                                                
                                         ====================  ====================                                                
CONTRACT OWNERS' EQUITY                                                                                                            
   Net assets from accumulation units... $        286,973,777  $          5,009,176                                                
   Net assets from Contracts in payout..                   --                    --                                                
                                         --------------------  --------------------                                                
        Total Net Assets................ $        286,973,777  $          5,009,176                                                
                                         ====================  ====================                                                

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]

                                                                   FIDELITY VIP                              FTVIPT TEMPLETON    
                                                                 INVESTMENT GRADE        FIDELITY VIP           DEVELOPING       
                                          FIDELITY VIP GROWTH          BOND                 MID CAP             MARKETS VIP      
                                               DIVISION              DIVISION              DIVISION              DIVISION        
                                         --------------------  --------------------  --------------------  --------------------  
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         98,637,849  $         10,239,907  $            676,874  $            152,910  
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                    --                    --  
                                         --------------------  --------------------  --------------------  --------------------  
        Total Assets....................           98,637,849            10,239,907               676,874               152,910  
                                         --------------------  --------------------  --------------------  --------------------  
LIABILITIES:                                                                                                                     
   Accrued fees.........................                   --                    --                    --                    --  
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                    1                    --                    --                    --  
                                         --------------------  --------------------  --------------------  --------------------  
        Total Liabilities...............                    1                    --                    --                    --  
                                         --------------------  --------------------  --------------------  --------------------  

NET ASSETS.............................. $         98,637,848  $         10,239,907  $            676,874  $            152,910  
                                         ====================  ====================  ====================  ====================  
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         98,637,848  $         10,239,907  $            676,874  $            152,910  
   Net assets from Contracts in payout..                   --                    --                    --                    --  
                                         --------------------  --------------------  --------------------  --------------------  
        Total Net Assets................ $         98,637,848  $         10,239,907  $            676,874  $            152,910  
                                         ====================  ====================  ====================  ====================  


                                                                                                                    LMPVET       
                                           FTVIPT TEMPLETON         IVY VIP ASSET        JANUS HENDERSON     CLEARBRIDGE VARIABLE
                                              FOREIGN VIP             STRATEGY             ENTERPRISE            APPRECIATION    
                                               DIVISION               DIVISION              DIVISION               DIVISION      
                                         ---------------------  --------------------  ---------------------  --------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $                 728  $              2,829  $             149,792  $             48,430
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                    --                    --                     --                    --
                                         ---------------------  --------------------  ---------------------  --------------------
        Total Assets....................                   728                 2,829                149,792                48,430
                                         ---------------------  --------------------  ---------------------  --------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                     1                     1                     --                    --
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                     1                     1                     --                     1
                                         ---------------------  --------------------  ---------------------  --------------------
        Total Liabilities...............                     2                     2                     --                     1
                                         ---------------------  --------------------  ---------------------  --------------------

NET ASSETS.............................. $                 726  $              2,827  $             149,792  $             48,429
                                         =====================  ====================  =====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $                 726  $              2,827  $             149,792  $             48,429
   Net assets from Contracts in payout..                    --                    --                     --                    --
                                         ---------------------  --------------------  ---------------------  --------------------
        Total Net Assets................ $                 726  $              2,827  $             149,792  $             48,429
                                         =====================  ====================  =====================  ====================


                                                 LMPVET                LMPVET                                                    
                                          CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE                                             
                                            DIVIDEND STRATEGY     LARGE CAP GROWTH                                               
                                                DIVISION              DIVISION                                                   
                                         ---------------------  --------------------                                             
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $              69,596  $            508,990                                             
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                     1                    --                                             
                                         ---------------------  --------------------                                             
        Total Assets....................                69,597               508,990                                             
                                         ---------------------  --------------------                                             
LIABILITIES:                                                                                                                     
   Accrued fees.........................                     1                     2                                             
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                    --                    --                                             
                                         ---------------------  --------------------                                             
        Total Liabilities...............                     1                     2                                             
                                         ---------------------  --------------------                                             

NET ASSETS.............................. $              69,596  $            508,988                                             
                                         =====================  ====================                                             
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $              69,596  $            508,988                                             
   Net assets from Contracts in payout..                    --                    --                                             
                                         ---------------------  --------------------                                             
        Total Net Assets................ $              69,596  $            508,988                                             
                                         =====================  ====================                                             

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONCLUDED)   
DECEMBER 31, 2017   

                                                        [Enlarge/Download Table]


                                                LMPVET                                                        OPPENHEIMER GLOBAL 
                                         CLEARBRIDGE VARIABLE      LMPVIT WESTERN      MORGAN STANLEY VIF     MULTI-ALTERNATIVES 
                                           SMALL CAP GROWTH        ASSET CORE PLUS    GLOBAL INFRASTRUCTURE         FUND/VA      
                                               DIVISION               DIVISION              DIVISION               DIVISION      
                                         ---------------------  --------------------  ---------------------  --------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............  $             27,441  $            104,816  $             61,647   $             15,710
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                    --                    --                    --                     --
                                         ---------------------  --------------------  ---------------------  --------------------
        Total Assets....................                27,441               104,816                61,647                 15,710
                                         ---------------------  --------------------  ---------------------  --------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                     1                     1                     3                      3
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                     1                    --                    --                      2
                                         ---------------------  --------------------  ---------------------  --------------------
        Total Liabilities...............                     2                     1                     3                      5
                                         ---------------------  --------------------  ---------------------  --------------------

NET ASSETS..............................  $             27,439  $            104,815  $             61,644   $             15,705
                                         =====================  ====================  =====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units...  $             27,439  $            104,815  $             61,644   $             15,705
   Net assets from Contracts in payout..                    --                    --                    --                     --
                                         ---------------------  --------------------  ---------------------  --------------------
        Total Net Assets................  $             27,439  $            104,815  $             61,644   $             15,705
                                         =====================  ====================  =====================  ====================



                                              PIMCO VIT            PIMCO VIT                               TAP 1919 VARIABLE     
                                         COMMODITYREALRETURN   EMERGING MARKETS         PIMCO VIT         SOCIALLY RESPONSIVE    
                                              STRATEGY               BOND          UNCONSTRAINED BOND          BALANCED          
                                              DIVISION             DIVISION             DIVISION               DIVISION          
                                         -------------------  -------------------  --------------------  --------------------    
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $            49,887  $            71,040  $            121,049  $             24,128    
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                  --                    1                    --                    --    
                                         -------------------  -------------------  --------------------  --------------------    
        Total Assets....................              49,887               71,041               121,049                24,128    
                                         -------------------  -------------------  --------------------  --------------------    
LIABILITIES:                                                                                                                     
   Accrued fees.........................                   2                    3                     3                     2    
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                  --                   --                    --                    --    
                                         -------------------  -------------------  --------------------  --------------------    
        Total Liabilities...............                   2                    3                     3                     2    
                                         -------------------  -------------------  --------------------  --------------------    

NET ASSETS.............................. $            49,885  $            71,038  $            121,046  $             24,126    
                                         ===================  ===================  ====================  ====================    
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $            49,885  $            71,038  $            121,046  $             24,126    
   Net assets from Contracts in payout..                  --                   --                    --                    --    
                                         -------------------  -------------------  --------------------  --------------------    
        Total Net Assets................ $            49,885  $            71,038  $            121,046  $             24,126    
                                         ===================  ===================  ====================  ====================    

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS    
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]


                                                                                            AMERICAN FUNDS                         
                                                AMERICAN FUNDS        AMERICAN FUNDS         GLOBAL SMALL         AMERICAN FUNDS   
                                                     BOND              GLOBAL GROWTH        CAPITALIZATION            GROWTH       
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          1,720,919  $              2,326  $          2,105,602  $          5,093,504
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            1,143,058                 3,481             6,044,363            12,765,449
      Administrative charges................              192,909                   434               955,931             1,864,379
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................            1,335,967                 3,915             7,000,294            14,629,828
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....              384,952               (1,589)           (4,894,692)           (9,536,324)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........            1,338,005                11,765                    --            99,378,515
      Realized gains (losses) on sale of                                                                                           
        investments.........................            (216,338)                29,681             5,710,371            31,922,273
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......            1,121,667                41,446             5,710,371           131,300,788
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................              470,463                81,565           104,016,189           120,057,167
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................            1,592,130               123,011           109,726,560           251,357,955
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $          1,977,082  $            121,422  $        104,831,868  $        241,821,631
                                             ====================  ====================  ====================  ====================


                                                                                             BHFTI ALLIANZ                         
                                                                                           GLOBAL INVESTORS       BHFTI AMERICAN   
                                                AMERICAN FUNDS        BHFTI AB GLOBAL           DYNAMIC           FUNDS BALANCED   
                                                 GROWTH-INCOME      DYNAMIC ALLOCATION     MULTI-ASSET PLUS         ALLOCATION     
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         11,257,133  $         23,988,871  $          1,164,497  $         13,324,401
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................           10,319,883            16,017,439               767,978             8,993,924
      Administrative charges................            1,576,935             4,048,168               191,943             2,169,205
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................           11,896,818            20,065,607               959,921            11,163,129
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....            (639,685)             3,923,264               204,576             2,161,272
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           53,391,780                    --                    --            44,754,469
      Realized gains (losses) on sale of                                                                                           
        investments.........................           22,763,365            22,066,851               468,055             7,722,300
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......           76,155,145            22,066,851               468,055            52,476,769
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................           79,975,984           161,039,666             9,444,691            73,356,473
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................          156,131,129           183,106,517             9,912,746           125,833,242
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $        155,491,444  $        187,029,781  $         10,117,322  $        127,994,514
                                             ====================  ====================  ====================  ====================



                                                BHFTI AMERICAN                                                                     
                                                 FUNDS GROWTH         BHFTI AMERICAN                                               
                                                  ALLOCATION           FUNDS GROWTH                                                
                                                   DIVISION              DIVISION                                                  
                                             --------------------  --------------------                                            
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          5,652,017  $          1,574,275                                            
                                             --------------------  --------------------                                            
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            4,655,069             4,033,191                                            
      Administrative charges................            1,077,955               978,484                                            
                                             --------------------  --------------------                                            
        Total expenses......................            5,733,024             5,011,675                                            
                                             --------------------  --------------------                                            
           Net investment income (loss).....             (81,007)           (3,437,400)                                            
                                             --------------------  --------------------                                            
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           28,936,178            41,420,916                                            
      Realized gains (losses) on sale of                                                                                           
        investments.........................            5,166,795            10,816,485                                            
                                             --------------------  --------------------                                            
           Net realized gains (losses)......           34,102,973            52,237,401                                            
                                             --------------------  --------------------                                            
      Change in unrealized gains (losses)                                                                                          
        on investments......................           48,200,536            42,426,288                                            
                                             --------------------  --------------------                                            
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................           82,303,509            94,663,689                                            
                                             --------------------  --------------------                                            
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $         82,222,502  $         91,226,289                                            
                                             ====================  ====================                                            

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]

                                                 BHFTI AMERICAN                               BHFTI BLACKROCK  
                                                 FUNDS MODERATE        BHFTI AQR GLOBAL       GLOBAL TACTICAL  
                                                   ALLOCATION            RISK BALANCED          STRATEGIES     
                                                    DIVISION               DIVISION              DIVISION      
                                              ---------------------  --------------------  --------------------
                                                                                                               
INVESTMENT INCOME:                                                                                             
      Dividends.............................. $          16,934,044  $         21,215,683  $         13,570,693
                                              ---------------------  --------------------  --------------------
EXPENSES:                                                                                                      
      Mortality and expense risk and                                                                           
         other charges.......................             9,677,000            12,287,994            19,872,539
      Administrative charges.................             2,329,891             3,096,755             5,018,452
                                              ---------------------  --------------------  --------------------
         Total expenses......................            12,006,891            15,384,749            24,890,991
                                              ---------------------  --------------------  --------------------
           Net investment income (loss)......             4,927,153             5,830,934          (11,320,298)
                                              ---------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                   
   ON INVESTMENTS:                                                                                             
      Realized gain distributions............            41,497,329            59,430,266            24,427,247
      Realized gains (losses) on sale of                                                                       
         investments.........................             7,657,419          (23,752,016)             7,351,363
                                              ---------------------  --------------------  --------------------
           Net realized gains (losses).......            49,154,748            35,678,250            31,778,610
                                              ---------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                      
         on investments......................            50,457,040            59,097,981           206,006,523
                                              ---------------------  --------------------  --------------------
      Net realized and change in                                                                               
         unrealized gains (losses)                                                                             
         on investments......................            99,611,788            94,776,231           237,785,133
                                              ---------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                    
         resulting from operations........... $         104,538,941  $        100,607,165  $        226,464,835
                                              =====================  ====================  ====================



                                                 BHFTI BLACKROCK      BHFTI BRIGHTHOUSE     BHFTI BRIGHTHOUSE  
                                                   HIGH YIELD       ASSET ALLOCATION 100      BALANCED PLUS    
                                                    DIVISION              DIVISION              DIVISION       
                                              --------------------  --------------------  -------------------- 
                                                                                                               
INVESTMENT INCOME:                                                                                             
      Dividends.............................. $             21,121  $          3,141,687  $         57,584,151 
                                              --------------------  --------------------  -------------------- 
EXPENSES:                                                                                                      
      Mortality and expense risk and                                                                           
         other charges.......................                4,014             2,352,492            36,816,058 
      Administrative charges.................                  827               556,595             9,245,628 
                                              --------------------  --------------------  -------------------- 
         Total expenses......................                4,841             2,909,087            46,061,686 
                                              --------------------  --------------------  -------------------- 
           Net investment income (loss)......               16,280               232,600            11,522,465 
                                              --------------------  --------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                   
   ON INVESTMENTS:                                                                                             
      Realized gain distributions............                   --            12,913,043           183,193,534 
      Realized gains (losses) on sale of                                                                       
         investments.........................                2,486             2,397,100            18,281,600 
                                              --------------------  --------------------  -------------------- 
           Net realized gains (losses).......                2,486            15,310,143           201,475,134 
                                              --------------------  --------------------  -------------------- 
      Change in unrealized gains (losses)                                                                      
         on investments......................                5,249            30,087,720           363,045,503 
                                              --------------------  --------------------  -------------------- 
      Net realized and change in                                                                               
         unrealized gains (losses)                                                                             
         on investments......................                7,735            45,397,863           564,520,637 
                                              --------------------  --------------------  -------------------- 
      Net increase (decrease) in net assets                                                                    
         resulting from operations........... $             24,015  $         45,630,463  $        576,043,102 
                                              ====================  ====================  ==================== 


                                                                      BHFTI BRIGHTHOUSE/    BHFTI BRIGHTHOUSE/ 
                                                BHFTI BRIGHTHOUSE      ABERDEEN EMERGING          ARTISAN      
                                                 SMALL CAP VALUE        MARKETS EQUITY         INTERNATIONAL   
                                                    DIVISION               DIVISION              DIVISION      
                                              ---------------------  --------------------  --------------------
                                                                                                               
INVESTMENT INCOME:                                                                                             
      Dividends.............................. $             173,152  $            619,252  $                 29
                                              ---------------------  --------------------  --------------------
EXPENSES:                                                                                                      
      Mortality and expense risk and                                                                           
         other charges.......................               173,464               569,564                    28
      Administrative charges.................                47,381               141,359                     5
                                              ---------------------  --------------------  --------------------
         Total expenses......................               220,845               710,923                    33
                                              ---------------------  --------------------  --------------------
           Net investment income (loss)......              (47,693)              (91,671)                   (4)
                                              ---------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                   
   ON INVESTMENTS:                                                                                             
      Realized gain distributions............               686,719                    --                    --
      Realized gains (losses) on sale of                                                                       
         investments.........................               180,000               674,283                  (25)
                                              ---------------------  --------------------  --------------------
           Net realized gains (losses).......               866,719               674,283                  (25)
                                              ---------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                      
         on investments......................             1,074,488            12,750,253                   731
                                              ---------------------  --------------------  --------------------
      Net realized and change in                                                                               
         unrealized gains (losses)                                                                             
         on investments......................             1,941,207            13,424,536                   706
                                              ---------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                    
         resulting from operations........... $           1,893,514  $         13,332,865  $                702
                                              =====================  ====================  ====================


                                               BHFTI BRIGHTHOUSE/                                              
                                                   EATON VANCE                                                 
                                                  FLOATING RATE                                                
                                                    DIVISION                                                   
                                              --------------------                                             
                                                                                                               
INVESTMENT INCOME:                                                                                             
      Dividends.............................. $          1,091,886                                             
                                              --------------------                                             
EXPENSES:                                                                                                      
      Mortality and expense risk and                                                                           
         other charges.......................              331,647                                             
      Administrative charges.................               71,937                                             
                                              --------------------                                             
         Total expenses......................              403,584                                             
                                              --------------------                                             
           Net investment income (loss)......              688,302                                             
                                              --------------------                                             
NET REALIZED AND CHANGE IN                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                   
   ON INVESTMENTS:                                                                                             
      Realized gain distributions............                   --                                             
      Realized gains (losses) on sale of                                                                       
         investments.........................             (10,409)                                             
                                              --------------------                                             
           Net realized gains (losses).......             (10,409)                                             
                                              --------------------                                             
      Change in unrealized gains (losses)                                                                      
         on investments......................             (41,125)                                             
                                              --------------------                                             
      Net realized and change in                                                                               
         unrealized gains (losses)                                                                             
         on investments......................             (51,534)                                             
                                              --------------------                                             
      Net increase (decrease) in net assets                                                                    
         resulting from operations........... $            636,768                                             
                                              ====================                                             

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]

                                               BHFTI BRIGHTHOUSE/                          BHFTI BRIGHTHOUSE/ 
                                                    FRANKLIN         BHFTI BRIGHTHOUSE/        WELLINGTON     
                                                  LOW DURATION            TEMPLETON             LARGE CAP     
                                                  TOTAL RETURN       INTERNATIONAL BOND         RESEARCH      
                                                    DIVISION              DIVISION              DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          1,218,012  $                 --  $          7,842,706
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................              875,010                76,336             7,135,853
      Administrative charges.................              201,321                18,846               304,867
                                              --------------------  --------------------  --------------------
         Total expenses......................            1,076,331                95,182             7,440,720
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......              141,681              (95,182)               401,986
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............                   --                 2,995            27,211,621
      Realized gains (losses) on sale of                                                                      
         investments.........................            (303,532)             (108,603)            23,205,576
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......            (303,532)             (105,608)            50,417,197
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................              210,867               118,596            89,214,450
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................             (92,665)                12,988           139,631,647
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $             49,016  $           (82,194)  $        140,033,633
                                              ====================  ====================  ====================



                                                                                              BHFTI HARRIS    
                                                  BHFTI CLARION      BHFTI CLEARBRIDGE           OAKMARK      
                                               GLOBAL REAL ESTATE    AGGRESSIVE GROWTH        INTERNATIONAL   
                                                    DIVISION             DIVISION               DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          7,597,193  $          4,327,509  $          8,797,273
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................            2,284,508             5,971,186             5,526,395
      Administrative charges.................              457,509             1,250,726             1,152,526
                                              --------------------  --------------------  --------------------
         Total expenses......................            2,742,017             7,221,912             6,678,921
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......            4,855,176           (2,894,403)             2,118,352
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............                   --                    --                    --
      Realized gains (losses) on sale of                                                                      
         investments.........................          (1,356,724)            21,644,586             6,011,613
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......          (1,356,724)            21,644,586             6,011,613
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................           16,141,560            71,712,587           126,507,000
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................           14,784,836            93,357,173           132,518,613
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $         19,640,012  $         90,462,770  $        134,636,965
                                              ====================  ====================  ====================



                                                  BHFTI INVESCO                                               
                                                  BALANCED-RISK          BHFTI INVESCO        BHFTI INVESCO   
                                                   ALLOCATION              COMSTOCK         SMALL CAP GROWTH  
                                                    DIVISION               DIVISION             DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $         20,735,240  $              1,161  $                 --
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................            5,560,675                   375               566,644
      Administrative charges.................            1,384,984                    87               109,087
                                              --------------------  --------------------  --------------------
         Total expenses......................            6,945,659                   462               675,731
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......           13,789,581                   699             (675,731)
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............           28,742,967                 1,528             5,730,768
      Realized gains (losses) on sale of                                                                      
         investments.........................          (1,307,178)                   104             (467,940)
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......           27,435,789                 1,632             5,262,828
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................            4,350,900                 4,646             6,984,538
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................           31,786,689                 6,278            12,247,366
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $         45,576,270  $              6,977  $         11,571,635
                                              ====================  ====================  ====================



                                                 BHFTI JPMORGAN                                               
                                                    CORE BOND                                                 
                                                    DIVISION                                                  
                                              --------------------                                            
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          2,415,222                                            
                                              --------------------                                            
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................            1,037,427                                            
      Administrative charges.................              243,736                                            
                                              --------------------                                            
         Total expenses......................            1,281,163                                            
                                              --------------------                                            
           Net investment income (loss)......            1,134,059                                            
                                              --------------------                                            
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............                   --                                            
      Realized gains (losses) on sale of                                                                      
         investments.........................            (156,412)                                            
                                              --------------------                                            
           Net realized gains (losses).......            (156,412)                                            
                                              --------------------                                            
      Change in unrealized gains (losses)                                                                     
         on investments......................              946,145                                            
                                              --------------------                                            
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................              789,733                                            
                                              --------------------                                            
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $          1,923,792                                            
                                              ====================                                            

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]

                                                     BHFTI                                                                         
                                                JPMORGAN GLOBAL       BHFTI JPMORGAN      BHFTI LOOMIS SAYLES                      
                                               ACTIVE ALLOCATION      SMALL CAP VALUE       GLOBAL MARKETS                         
                                                   DIVISION              DIVISION              DIVISION                            
                                             --------------------  --------------------  ---------------------                     
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         21,268,402  $            281,254  $          1,727,928                      
                                             --------------------  --------------------  ---------------------                     
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            8,296,782               252,684             1,282,963                      
      Administrative charges................            2,083,912                62,029               283,729                      
                                             --------------------  --------------------  ---------------------                     
        Total expenses......................           10,380,694               314,713             1,566,692                      
                                             --------------------  --------------------  ---------------------                     
           Net investment income (loss).....           10,887,708              (33,459)               161,236                      
                                             --------------------  --------------------  ---------------------                     
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --             1,202,912               540,917                      
      Realized gains (losses) on sale of                                                                                           
        investments.........................            4,939,898               589,565             4,440,039                      
                                             --------------------  --------------------  ---------------------                     
           Net realized gains (losses)......            4,939,898             1,792,477             4,980,956                      
                                             --------------------  --------------------  ---------------------                     
      Change in unrealized gains (losses)                                                                                          
        on investments......................          102,421,518           (1,290,638)            18,870,177                      
                                             --------------------  --------------------  ---------------------                     
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................          107,361,416               501,839            23,851,133                      
                                             --------------------  --------------------  ---------------------                     
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $        118,249,124  $            468,380  $         24,012,369                      
                                             ====================  ====================  =====================                     


                                                 BHFTI METLIFE                                   BHFTI                             
                                                  MULTI-INDEX       BHFTI MFS RESEARCH      MORGAN STANLEY       BHFTI OPPENHEIMER 
                                                 TARGETED RISK         INTERNATIONAL        MID CAP GROWTH         GLOBAL EQUITY   
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         13,676,136  $          3,560,705  $            959,830  $          2,615,206
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            9,214,273             2,014,602             3,661,439             2,881,455
      Administrative charges................            2,322,087               392,290               207,399               391,968
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................           11,536,360             2,406,892             3,868,838             3,273,423
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....            2,139,776             1,153,813           (2,909,008)             (658,217)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           24,904,963                    --                    --                    --
      Realized gains (losses) on sale of                                                                                           
        investments.........................            6,017,604             1,415,099            17,261,420            13,988,566
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......           30,922,567             1,415,099            17,261,420            13,988,566
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................           89,709,027            43,982,063            85,780,558            65,880,609
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................          120,631,594            45,397,162           103,041,978            79,869,175
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $        122,771,370  $         46,550,975  $        100,132,970  $         79,210,958
                                             ====================  ====================  ====================  ====================


                                                     BHFTI                 BHFTI                                                   
                                                PANAGORA GLOBAL       PIMCO INFLATION         BHFTI PIMCO                          
                                               DIVERSIFIED RISK       PROTECTED BOND         TOTAL RETURN                          
                                                   DIVISION              DIVISION              DIVISION                            
                                             --------------------  --------------------  --------------------                      
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $                 --  $          6,819,099  $         16,459,936                      
                                             --------------------  --------------------  --------------------                      
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................              963,402             4,464,412             9,517,885                      
      Administrative charges................              240,831             1,011,841             2,071,081                      
                                             --------------------  --------------------  --------------------                      
        Total expenses......................            1,204,233             5,476,253            11,588,966                      
                                             --------------------  --------------------  --------------------                      
           Net investment income (loss).....          (1,204,233)             1,342,846             4,870,970                      
                                             --------------------  --------------------  --------------------                      
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --                    --             4,614,865                      
      Realized gains (losses) on sale of                                                                                           
        investments.........................              797,418           (4,187,546)           (2,672,382)                      
                                             --------------------  --------------------  --------------------                      
           Net realized gains (losses)......              797,418           (4,187,546)             1,942,483                      
                                             --------------------  --------------------  --------------------                      
      Change in unrealized gains (losses)                                                                                          
        on investments......................           10,637,787            12,261,154            22,817,382                      
                                             --------------------  --------------------  --------------------                      
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................           11,435,205             8,073,608            24,759,865                      
                                             --------------------  --------------------  --------------------                      
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $         10,230,972  $          9,416,454  $         29,630,835                      
                                             ====================  ====================  ====================                      

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]

                                                                                                                       BHFTI       
                                                 BHFTI PYRAMIS        BHFTI SCHRODERS      BHFTI SCHRODERS          SSGA GROWTH    
                                               GOVERNMENT INCOME    GLOBAL MULTI-ASSET  GLOBAL MULTI-ASSET II     AND INCOME ETF   
                                                   DIVISION              DIVISION             DIVISION               DIVISION      
                                             --------------------  -------------------  ---------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         10,602,357  $         4,381,595   $         4,082,761   $         21,216,579
                                             --------------------  -------------------  ---------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            4,883,339            5,468,384             3,982,333              8,680,782
      Administrative charges................            1,204,844            1,376,089               999,437              2,149,758
                                             --------------------  -------------------  ---------------------  --------------------
        Total expenses......................            6,088,183            6,844,473             4,981,770             10,830,540
                                             --------------------  -------------------  ---------------------  --------------------
           Net investment income (loss).....            4,514,174          (2,462,878)             (899,009)             10,386,039
                                             --------------------  -------------------  ---------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --           10,506,886                32,925              2,660,205
      Realized gains (losses) on sale of                                                                                           
        investments.........................          (1,575,732)            4,554,398             2,309,311              8,487,953
                                             --------------------  -------------------  ---------------------  --------------------
           Net realized gains (losses)......          (1,575,732)           15,061,284             2,342,236             11,148,158
                                             --------------------  -------------------  ---------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................            3,534,060           54,268,929            54,207,140             95,975,484
                                             --------------------  -------------------  ---------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................            1,958,328           69,330,213            56,549,376            107,123,642
                                             --------------------  -------------------  ---------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $          6,472,502  $        66,867,335   $        55,650,367   $        117,509,681
                                             ====================  ===================  =====================  ====================



                                                    BHFTI          BHFTI T. ROWE PRICE   BHFTI T. ROWE PRICE     BHFTI TCW CORE    
                                               SSGA GROWTH ETF       LARGE CAP VALUE       MID CAP GROWTH         FIXED INCOME     
                                                  DIVISION              DIVISION              DIVISION              DIVISION       
                                             -------------------  --------------------  --------------------  -------------------- 
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         3,177,541  $             11,034  $                 --  $              4,587 
                                             -------------------  --------------------  --------------------  -------------------- 
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................           1,527,498                 5,182             5,087,542                 3,167 
      Administrative charges................             359,332                 1,017             1,008,933                   473 
                                             -------------------  --------------------  --------------------  -------------------- 
        Total expenses......................           1,886,830                 6,199             6,096,475                 3,640 
                                             -------------------  --------------------  --------------------  -------------------- 
           Net investment income (loss).....           1,290,711                 4,835           (6,096,475)                   947 
                                             -------------------  --------------------  --------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           1,597,960                46,455            42,760,777                   410 
      Realized gains (losses) on sale of                                                                                           
        investments.........................           1,418,181                 2,286             6,958,987                 (541) 
                                             -------------------  --------------------  --------------------  -------------------- 
           Net realized gains (losses)......           3,016,141                48,741            49,719,764                 (131) 
                                             -------------------  --------------------  --------------------  -------------------- 
      Change in unrealized gains (losses)                                                                                          
        on investments......................          20,976,065                23,850            57,760,642                 3,477 
                                             -------------------  --------------------  --------------------  -------------------- 
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................          23,992,206                72,591           107,480,406                 3,346 
                                             -------------------  --------------------  --------------------  -------------------- 
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $        25,282,917  $             77,426  $        101,383,931  $              4,293 
                                             ===================  ====================  ====================  ==================== 


                                                 BHFTI VICTORY         BHFTI WELLS                                                 
                                                   SYCAMORE        CAPITAL MANAGEMENT                                              
                                                 MID CAP VALUE        MID CAP VALUE                                                
                                                   DIVISION             DIVISION                                                   
                                             -------------------  -------------------                                              
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         4,191,952  $             3,481                                              
                                             -------------------  -------------------                                              
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................           4,517,301                3,565                                              
      Administrative charges................             741,310                  728                                              
                                             -------------------  -------------------                                              
        Total expenses......................           5,258,611                4,293                                              
                                             -------------------  -------------------                                              
           Net investment income (loss).....         (1,066,659)                (812)                                              
                                             -------------------  -------------------                                              
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                  --                   --                                              
      Realized gains (losses) on sale of                                                                                           
        investments.........................           5,902,965                  530                                              
                                             -------------------  -------------------                                              
           Net realized gains (losses)......           5,902,965                  530                                              
                                             -------------------  -------------------                                              
      Change in unrealized gains (losses)                                                                                          
        on investments......................          28,563,919               30,168                                              
                                             -------------------  -------------------                                              
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................          34,466,884               30,698                                              
                                             -------------------  -------------------                                              
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $        33,400,225  $            29,886                                              
                                             ===================  ===================                                              

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]


                                                     BHFTII                                                      
                                                 BAILLIE GIFFORD      BHFTII BLACKROCK       BHFTII BLACKROCK    
                                               INTERNATIONAL STOCK       BOND INCOME       CAPITAL APPRECIATION  
                                                    DIVISION              DIVISION               DIVISION        
                                              --------------------  --------------------  ---------------------  
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends.............................. $          1,503,298  $         13,926,733  $              14,506  
                                              --------------------  --------------------  ---------------------  
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.......................            1,500,755             4,996,227              1,835,629  
      Administrative charges.................              159,849               874,309                430,358  
                                              --------------------  --------------------  ---------------------  
         Total expenses......................            1,660,604             5,870,536              2,265,987  
                                              --------------------  --------------------  ---------------------  
           Net investment income (loss)......            (157,306)             8,056,197            (2,251,481)  
                                              --------------------  --------------------  ---------------------  
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions............                   --                    --              4,271,040  
      Realized gains (losses) on sale of                                                                         
         investments.........................            2,005,558             (462,981)              8,492,979  
                                              --------------------  --------------------  ---------------------  
           Net realized gains (losses).......            2,005,558             (462,981)             12,764,019  
                                              --------------------  --------------------  ---------------------  
      Change in unrealized gains (losses)                                                                        
         on investments......................           36,135,010             4,619,528             38,506,910  
                                              --------------------  --------------------  ---------------------  
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments......................           38,140,568             4,156,547             51,270,929  
                                              --------------------  --------------------  ---------------------  
      Net increase (decrease) in net assets                                                                      
         resulting from operations........... $         37,983,262  $         12,212,744  $          49,019,448  
                                              ====================  ====================  =====================  



                                                BHFTII BLACKROCK                                                 
                                                   ULTRA-SHORT        BHFTII BRIGHTHOUSE     BHFTII BRIGHTHOUSE  
                                                    TERM BOND         ASSET ALLOCATION 20    ASSET ALLOCATION 40 
                                                    DIVISION               DIVISION               DIVISION       
                                              ---------------------  ---------------------  ---------------------
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends.............................. $              65,123  $           8,861,047  $          23,516,679
                                              ---------------------  ---------------------  ---------------------
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.......................               617,895              4,447,990             12,218,994
      Administrative charges.................               147,639              1,002,750              2,817,187
                                              ---------------------  ---------------------  ---------------------
         Total expenses......................               765,534              5,450,740             15,036,181
                                              ---------------------  ---------------------  ---------------------
           Net investment income (loss)......             (700,411)              3,410,307              8,480,498
                                              ---------------------  ---------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions............                 1,207              6,819,590             36,611,496
      Realized gains (losses) on sale of                                                                         
         investments.........................                58,860            (1,094,535)              9,133,035
                                              ---------------------  ---------------------  ---------------------
           Net realized gains (losses).......                60,067              5,725,055             45,744,531
                                              ---------------------  ---------------------  ---------------------
      Change in unrealized gains (losses)                                                                        
         on investments......................               266,651             14,237,838             51,406,697
                                              ---------------------  ---------------------  ---------------------
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments......................               326,718             19,962,893             97,151,228
                                              ---------------------  ---------------------  ---------------------
      Net increase (decrease) in net assets                                                                      
         resulting from operations........... $           (373,693)  $          23,373,200  $         105,631,726
                                              =====================  =====================  =====================



                                                                                            BHFTII BRIGHTHOUSE/  
                                               BHFTII BRIGHTHOUSE    BHFTII BRIGHTHOUSE           ARTISAN        
                                               ASSET ALLOCATION 60   ASSET ALLOCATION 80       MID CAP VALUE     
                                                    DIVISION              DIVISION               DIVISION        
                                              --------------------  --------------------  ---------------------  
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends.............................. $         68,390,224  $         29,516,416  $           1,327,431  
                                              --------------------  --------------------  ---------------------  
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.......................           39,960,762            19,167,874              2,461,356  
      Administrative charges.................            9,357,193             4,321,536                384,943  
                                              --------------------  --------------------  ---------------------  
         Total expenses......................           49,317,955            23,489,410              2,846,299  
                                              --------------------  --------------------  ---------------------  
           Net investment income (loss)......           19,072,269             6,027,006            (1,518,868)  
                                              --------------------  --------------------  ---------------------  
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions............          156,020,875           103,285,226                     --  
      Realized gains (losses) on sale of                                                                         
         investments.........................           48,580,004            32,406,446              3,525,345  
                                              --------------------  --------------------  ---------------------  
           Net realized gains (losses).......          204,600,879           135,691,672              3,525,345  
                                              --------------------  --------------------  ---------------------  
      Change in unrealized gains (losses)                                                                        
         on investments......................          267,993,873           165,033,962             22,185,986  
                                              --------------------  --------------------  ---------------------  
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments......................          472,594,752           300,725,634             25,711,331  
                                              --------------------  --------------------  ---------------------  
      Net increase (decrease) in net assets                                                                      
         resulting from operations........... $        491,667,021  $        306,752,640  $          24,192,463  
                                              ====================  ====================  =====================  


                                               BHFTII BRIGHTHOUSE/                                               
                                                   DIMENSIONAL                                                   
                                                  INTERNATIONAL                                                  
                                                  SMALL COMPANY                                                  
                                                    DIVISION                                                     
                                              --------------------                                               
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends.............................. $            173,380                                               
                                              --------------------                                               
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.......................               90,551                                               
      Administrative charges.................               22,000                                               
                                              --------------------                                               
         Total expenses......................              112,551                                               
                                              --------------------                                               
           Net investment income (loss)......               60,829                                               
                                              --------------------                                               
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions............              399,373                                               
      Realized gains (losses) on sale of                                                                         
         investments.........................             (16,671)                                               
                                              --------------------                                               
           Net realized gains (losses).......              382,702                                               
                                              --------------------                                               
      Change in unrealized gains (losses)                                                                        
         on investments......................            1,781,452                                               
                                              --------------------                                               
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments......................            2,164,154                                               
                                              --------------------                                               
      Net increase (decrease) in net assets                                                                      
         resulting from operations........... $          2,224,983                                               
                                              ====================                                               

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]

                                                                    BHFTII BRIGHTHOUSE/                                            
                                                                        WELLINGTON              BHFTII                             
                                              BHFTII BRIGHTHOUSE/       CORE EQUITY            FRONTIER               BHFTII       
                                              WELLINGTON BALANCED      OPPORTUNITIES        MID CAP GROWTH        JENNISON GROWTH  
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         11,390,649  $          7,873,709  $                 --  $            236,094
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            7,369,974             5,863,584             5,799,940             1,972,422
      Administrative charges................              215,028             1,194,986               220,450               388,036
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................            7,585,002             7,058,570             6,020,390             2,360,458
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....            3,805,647               815,139           (6,020,390)           (2,124,364)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           14,512,267            21,033,103            11,730,859            13,201,345
      Realized gains (losses) on sale of                                                                                           
        investments.........................            8,536,923             2,278,108            14,696,992             4,996,124
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......           23,049,190            23,311,211            26,427,851            18,197,469
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................           50,501,388            66,394,541            82,851,733            39,899,960
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................           73,550,578            89,705,752           109,279,584            58,097,429
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $         77,356,225  $         90,520,891  $        103,259,194  $         55,973,065
                                             ====================  ====================  ====================  ====================



                                                    BHFTII                BHFTII                                                   
                                                 LOOMIS SAYLES         LOOMIS SAYLES        BHFTII METLIFE                         
                                                SMALL CAP CORE       SMALL CAP GROWTH    AGGREGATE BOND INDEX                      
                                                   DIVISION              DIVISION              DIVISION                            
                                             --------------------  --------------------  --------------------                      
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $            253,376  $                 --  $         31,467,018                      
                                             --------------------  --------------------  --------------------                      
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            1,892,596               549,962            11,958,717                      
      Administrative charges................              370,239                83,444             2,460,786                      
                                             --------------------  --------------------  --------------------                      
        Total expenses......................            2,262,835               633,406            14,419,503                      
                                             --------------------  --------------------  --------------------                      
           Net investment income (loss).....          (2,009,459)             (633,406)            17,047,515                      
                                             --------------------  --------------------  --------------------                      
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           12,234,789             2,441,088                    --                      
      Realized gains (losses) on sale of                                                                                           
        investments.........................            3,661,714             1,064,149             (759,983)                      
                                             --------------------  --------------------  --------------------                      
           Net realized gains (losses)......           15,896,503             3,505,237             (759,983)                      
                                             --------------------  --------------------  --------------------                      
      Change in unrealized gains (losses)                                                                                          
        on investments......................            9,390,051             8,668,646             3,486,073                      
                                             --------------------  --------------------  --------------------                      
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................           25,286,554            12,173,883             2,726,090                      
                                             --------------------  --------------------  --------------------                      
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $         23,277,095  $         11,540,477  $         19,773,605                      
                                             ====================  ====================  ====================                      



                                                 BHFTII METLIFE        BHFTII METLIFE        BHFTII METLIFE                        
                                               MID CAP STOCK INDEX     MSCI EAFE INDEX     RUSSELL 2000 INDEX                      
                                                    DIVISION              DIVISION              DIVISION                           
                                             ---------------------  --------------------  --------------------                     
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          6,956,971   $         13,254,121  $          3,981,609                     
                                             ---------------------  --------------------  --------------------                     
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            6,009,587              5,414,911             3,894,148                     
      Administrative charges................            1,033,622              1,017,318               602,354                     
                                             ---------------------  --------------------  --------------------                     
        Total expenses......................            7,043,209              6,432,229             4,496,502                     
                                             ---------------------  --------------------  --------------------                     
           Net investment income (loss).....             (86,238)              6,821,892             (514,893)                     
                                             ---------------------  --------------------  --------------------                     
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           35,880,387                     --            14,745,210                     
      Realized gains (losses) on sale of                                                                                           
        investments.........................           18,150,269              9,980,536            13,534,466                     
                                             ---------------------  --------------------  --------------------                     
           Net realized gains (losses)......           54,030,656              9,980,536            28,279,676                     
                                             ---------------------  --------------------  --------------------                     
      Change in unrealized gains (losses)                                                                                          
        on investments......................           22,260,577             90,321,216            17,271,752                     
                                             ---------------------  --------------------  --------------------                     
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................           76,291,233            100,301,752            45,551,428                     
                                             ---------------------  --------------------  --------------------                     
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $         76,204,995   $        107,123,644  $         45,036,535                     
                                             =====================  ====================  ====================                     

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]


                                               BHFTII METLIFE          BHFTII MFS                                    BHFTII       
                                                 STOCK INDEX          TOTAL RETURN        BHFTII MFS VALUE        MFS VALUE II    
                                                  DIVISION              DIVISION              DIVISION              DIVISION      
                                             -------------------  --------------------  --------------------  --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $        51,946,901  $          3,500,799  $          9,754,571  $          6,150,302
                                             -------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges.......................          34,454,808             1,487,523             5,539,994             2,634,870
      Administrative charges................           3,802,660               279,788               955,348               561,948
                                             -------------------  --------------------  --------------------  --------------------
        Total expenses......................          38,257,468             1,767,311             6,495,342             3,196,818
                                             -------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....          13,689,433             1,733,488             3,259,229             2,953,484
                                             -------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........          87,524,035             7,688,246            31,265,449                    --
      Realized gains (losses) on sale of                                                                                          
        investments.........................         133,730,307             3,640,961             5,372,305           (3,510,786)
                                             -------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......         221,254,342            11,329,207            36,637,754           (3,510,786)
                                             -------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                         
        on investments......................         326,468,528             2,085,703            37,801,662            15,257,924
                                             -------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................         547,722,870            13,414,910            74,439,416            11,747,138
                                             -------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $       561,412,303  $         15,148,398  $         77,698,645  $         14,700,622
                                             ===================  ====================  ====================  ====================



                                                    BHFTII                BHFTII                BHFTII                BHFTII      
                                               NEUBERGER BERMAN        T. ROWE PRICE         T. ROWE PRICE        VAN ECK GLOBAL  
                                                    GENESIS          LARGE CAP GROWTH      SMALL CAP GROWTH      NATURAL RESOURCES
                                                   DIVISION              DIVISION              DIVISION              DIVISION     
                                             --------------------  --------------------  --------------------  -------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $            895,527  $            864,968  $            822,129  $                --
                                             --------------------  --------------------  --------------------  -------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges.......................            3,389,224             6,043,287             4,832,623              343,913
      Administrative charges................              437,314             1,004,831               613,001               86,352
                                             --------------------  --------------------  --------------------  -------------------
        Total expenses......................            3,826,538             7,048,118             5,445,624              430,265
                                             --------------------  --------------------  --------------------  -------------------
           Net investment income (loss).....          (2,931,011)           (6,183,150)           (4,623,495)            (430,265)
                                             --------------------  --------------------  --------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........           25,078,145            33,986,126            26,937,547                   --
      Realized gains (losses) on sale of                                                                                          
        investments.........................           11,550,263            12,730,206            12,223,472            (798,339)
                                             --------------------  --------------------  --------------------  -------------------
           Net realized gains (losses)......           36,628,408            46,716,332            39,161,019            (798,339)
                                             --------------------  --------------------  --------------------  -------------------
      Change in unrealized gains (losses)                                                                                         
        on investments......................            7,109,136           112,964,163            50,456,480            1,025,927
                                             --------------------  --------------------  --------------------  -------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................           43,737,544           159,680,495            89,617,499              227,588
                                             --------------------  --------------------  --------------------  -------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $         40,806,533  $        153,497,345  $         84,994,004  $         (202,677)
                                             ====================  ====================  ====================  ===================


                                                BHFTII WESTERN                                                                    
                                               ASSET MANAGEMENT      BHFTII WESTERN                                               
                                                STRATEGIC BOND      ASSET MANAGEMENT                                              
                                                 OPPORTUNITIES       U.S. GOVERNMENT                                              
                                                   DIVISION             DIVISION                                                  
                                             -------------------  --------------------                                            
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $        20,145,083  $          4,039,369                                            
                                             -------------------  --------------------                                            
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges.......................           5,599,013             1,715,854                                            
      Administrative charges................           1,087,340               355,920                                            
                                             -------------------  --------------------                                            
        Total expenses......................           6,686,353             2,071,774                                            
                                             -------------------  --------------------                                            
           Net investment income (loss).....          13,458,730             1,967,595                                            
                                             -------------------  --------------------                                            
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........                  --                    --                                            
      Realized gains (losses) on sale of                                                                                          
        investments.........................           4,574,266             (544,768)                                            
                                             -------------------  --------------------                                            
           Net realized gains (losses)......           4,574,266             (544,768)                                            
                                             -------------------  --------------------                                            
      Change in unrealized gains (losses)                                                                                         
        on investments......................          16,325,415             (649,450)                                            
                                             -------------------  --------------------                                            
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................          20,899,681           (1,194,218)                                            
                                             -------------------  --------------------                                            
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $        34,358,411  $            773,377                                            
                                             ===================  ====================                                            

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]

                                                    BLACKROCK              CALVERT VP            CALVERT VP      
                                             GLOBAL ALLOCATION V.I.       SRI BALANCED           SRI MID CAP     
                                                    DIVISION                DIVISION              DIVISION       
                                             ----------------------  ---------------------  ---------------------
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends............................   $                 982  $           1,029,677  $              60,058
                                             ----------------------  ---------------------  ---------------------
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.....................                   4,351                564,695                 88,328
      Administrative charges...............                     554                 37,836                     --
                                             ----------------------  ---------------------  ---------------------
         Total expenses....................                   4,905                602,531                 88,328
                                             ----------------------  ---------------------  ---------------------
           Net investment income (loss)....                 (3,923)                427,146               (28,270)
                                             ----------------------  ---------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions..........                   1,106                524,022                     --
      Realized gains (losses) on sale of                                                                         
         investments.......................                   8,121                878,602                 43,582
                                             ----------------------  ---------------------  ---------------------
           Net realized gains (losses).....                   9,227              1,402,624                 43,582
                                             ----------------------  ---------------------  ---------------------
      Change in unrealized gains (losses)                                                                        
         on investments....................                  40,371              3,490,565                924,637
                                             ----------------------  ---------------------  ---------------------
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments....................                  49,598              4,893,189                968,219
                                             ----------------------  ---------------------  ---------------------
      Net increase (decrease) in net assets                                                                      
         resulting from operations.........   $              45,675  $           5,320,335  $             939,949
                                             ======================  =====================  =====================


                                                 DELAWARE VIP           FIDELITY VIP            FIDELITY VIP     
                                                SMALL CAP VALUE          CONTRAFUND             EQUITY-INCOME    
                                                   DIVISION               DIVISION                DIVISION       
                                             ---------------------  ---------------------  --------------------- 
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends............................  $                 327  $               6,931  $           1,304,487 
                                             ---------------------  ---------------------  --------------------- 
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.....................                    273                  8,208                742,616 
      Administrative charges...............                     33                  1,013                 54,796 
                                             ---------------------  ---------------------  --------------------- 
         Total expenses....................                    306                  9,221                797,412 
                                             ---------------------  ---------------------  --------------------- 
           Net investment income (loss)....                     21                (2,290)                507,075 
                                             ---------------------  ---------------------  --------------------- 
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions..........                  1,315                 61,147              1,647,347 
      Realized gains (losses) on sale of                                                                         
         investments.......................                  2,703                 69,051                501,609 
                                             ---------------------  ---------------------  --------------------- 
           Net realized gains (losses).....                  4,018                130,198              2,148,956 
                                             ---------------------  ---------------------  --------------------- 
      Change in unrealized gains (losses)                                                                        
         on investments....................                (1,043)                 67,138              6,057,345 
                                             ---------------------  ---------------------  --------------------- 
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments....................                  2,975                197,336              8,206,301 
                                             ---------------------  ---------------------  --------------------- 
      Net increase (decrease) in net assets                                                                      
         resulting from operations.........  $               2,996  $             195,046  $           8,713,376 
                                             =====================  =====================  ===================== 


                                                 FIDELITY VIP           FIDELITY VIP            FIDELITY VIP     
                                                 FREEDOM 2020           FREEDOM 2025            FREEDOM 2030     
                                                   DIVISION               DIVISION                DIVISION       
                                             ---------------------  ---------------------  --------------------- 
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends............................  $              15,289  $               9,829  $              32,839 
                                             ---------------------  ---------------------  --------------------- 
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.....................                 10,551                  9,046                 27,152 
      Administrative charges...............                  1,318                  1,127                  3,392 
                                             ---------------------  ---------------------  --------------------- 
         Total expenses....................                 11,869                 10,173                 30,544 
                                             ---------------------  ---------------------  --------------------- 
           Net investment income (loss)....                  3,420                  (344)                  2,295 
                                             ---------------------  ---------------------  --------------------- 
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions..........                 47,567                 37,442                130,038 
      Realized gains (losses) on sale of                                                                         
         investments.......................                 41,338                 82,817                134,539 
                                             ---------------------  ---------------------  --------------------- 
           Net realized gains (losses).....                 88,905                120,259                264,577 
                                             ---------------------  ---------------------  --------------------- 
      Change in unrealized gains (losses)                                                                        
         on investments....................                100,067                 67,331                341,834 
                                             ---------------------  ---------------------  --------------------- 
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments....................                188,972                187,590                606,411 
                                             ---------------------  ---------------------  --------------------- 
      Net increase (decrease) in net assets                                                                      
         resulting from operations.........  $             192,392  $             187,246  $             608,706 
                                             =====================  =====================  ===================== 


                                                  FIDELITY VIP                                                   
                                                  FREEDOM 2040                                                   
                                                    DIVISION                                                     
                                             ---------------------                                               
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends............................  $               4,678                                               
                                             ---------------------                                               
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.....................                  3,615                                               
      Administrative charges...............                    451                                               
                                             ---------------------                                               
         Total expenses....................                  4,066                                               
                                             ---------------------                                               
           Net investment income (loss)....                    612                                               
                                             ---------------------                                               
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions..........                 12,887                                               
      Realized gains (losses) on sale of                                                                         
         investments.......................                  7,389                                               
                                             ---------------------                                               
           Net realized gains (losses).....                 20,276                                               
                                             ---------------------                                               
      Change in unrealized gains (losses)                                                                        
         on investments....................                 67,940                                               
                                             ---------------------                                               
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments....................                 88,216                                               
                                             ---------------------                                               
      Net increase (decrease) in net assets                                                                      
         resulting from operations.........  $              88,828                                               
                                             =====================                                               

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]


                                                  FIDELITY VIP          FIDELITY VIP          FIDELITY VIP      
                                                  FREEDOM 2050        FUNDSMANAGER 50%      FUNDSMANAGER 60%    
                                                    DIVISION              DIVISION              DIVISION        
                                              --------------------  --------------------  --------------------- 
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends.............................. $              2,327  $          3,539,016  $           3,024,425 
                                              --------------------  --------------------  --------------------- 
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.......................                1,694             6,006,381              5,599,729 
      Administrative charges.................                  211                    --                     -- 
                                              --------------------  --------------------  --------------------- 
         Total expenses......................                1,905             6,006,381              5,599,729 
                                              --------------------  --------------------  --------------------- 
           Net investment income (loss)......                  422           (2,467,365)            (2,575,304) 
                                              --------------------  --------------------  --------------------- 
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions............                7,603             1,905,754              6,070,174 
      Realized gains (losses) on sale of                                                                        
         investments.........................                7,422             2,079,370              6,815,095 
                                              --------------------  --------------------  --------------------- 
           Net realized gains (losses).......               15,025             3,985,124             12,885,269 
                                              --------------------  --------------------  --------------------- 
      Change in unrealized gains (losses)                                                                       
         on investments......................               27,522            34,017,799             29,289,392 
                                              --------------------  --------------------  --------------------- 
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments......................               42,547            38,002,923             42,174,661 
                                              --------------------  --------------------  --------------------- 
      Net increase (decrease) in net assets                                                                     
         resulting from operations........... $             42,969  $         35,535,558  $          39,599,357 
                                              ====================  ====================  ===================== 


                                                  FIDELITY VIP                                 FIDELITY VIP     
                                                GOVERNMENT MONEY                             INVESTMENT GRADE   
                                                     MARKET          FIDELITY VIP GROWTH           BOND         
                                                    DIVISION              DIVISION               DIVISION       
                                              --------------------  ---------------------  -------------------- 
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends.............................. $             37,350  $             203,815  $            255,049 
                                              --------------------  ---------------------  -------------------- 
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.......................               53,276                882,670               105,632 
      Administrative charges.................                   --                     --                    -- 
                                              --------------------  ---------------------  -------------------- 
         Total expenses......................               53,276                882,670               105,632 
                                              --------------------  ---------------------  -------------------- 
           Net investment income (loss)......             (15,926)              (678,855)               149,417 
                                              --------------------  ---------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions............                   --              6,767,431                54,171 
      Realized gains (losses) on sale of                                                                        
         investments.........................                   --              4,935,259                 1,426 
                                              --------------------  ---------------------  -------------------- 
           Net realized gains (losses).......                   --             11,702,690                55,597 
                                              --------------------  ---------------------  -------------------- 
      Change in unrealized gains (losses)                                                                       
         on investments......................                   --             15,803,560               167,272 
                                              --------------------  ---------------------  -------------------- 
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments......................                   --             27,506,250               222,869 
                                              --------------------  ---------------------  -------------------- 
      Net increase (decrease) in net assets                                                                     
         resulting from operations........... $           (15,926)  $          26,827,395  $            372,286 
                                              ====================  =====================  ==================== 


                                                                       FTVIPT TEMPLETON                         
                                                   FIDELITY VIP           DEVELOPING          FTVIPT TEMPLETON  
                                                      MID CAP             MARKETS VIP            FOREIGN VIP    
                                                     DIVISION              DIVISION               DIVISION      
                                              ---------------------  ---------------------  --------------------
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends.............................. $               3,164  $               1,833  $                 39
                                              ---------------------  ---------------------  --------------------
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.......................                 5,174                  1,365                    12
      Administrative charges.................                   645                    170                    --
                                              ---------------------  ---------------------  --------------------
         Total expenses......................                 5,819                  1,535                    12
                                              ---------------------  ---------------------  --------------------
           Net investment income (loss)......               (2,655)                    298                    27
                                              ---------------------  ---------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions............                30,306                     --                    --
      Realized gains (losses) on sale of                                                                        
         investments.........................                13,416                 38,407                   209
                                              ---------------------  ---------------------  --------------------
           Net realized gains (losses).......                43,722                 38,407                   209
                                              ---------------------  ---------------------  --------------------
      Change in unrealized gains (losses)                                                                       
         on investments......................                74,905                 23,352                    12
                                              ---------------------  ---------------------  --------------------
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments......................               118,627                 61,759                   221
                                              ---------------------  ---------------------  --------------------
      Net increase (decrease) in net assets                                                                     
         resulting from operations........... $             115,972  $              62,057  $                248
                                              =====================  =====================  ====================



                                                  IVY VIP ASSET                                                 
                                                    STRATEGY                                                    
                                                    DIVISION                                                    
                                              --------------------                                              
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends.............................. $                 42                                              
                                              --------------------                                              
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.......................                   28                                              
      Administrative charges.................                    5                                              
                                              --------------------                                              
         Total expenses......................                   33                                              
                                              --------------------                                              
           Net investment income (loss)......                    9                                              
                                              --------------------                                              
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions............                   --                                              
      Realized gains (losses) on sale of                                                                        
         investments.........................                 (67)                                              
                                              --------------------                                              
           Net realized gains (losses).......                 (67)                                              
                                              --------------------                                              
      Change in unrealized gains (losses)                                                                       
         on investments......................                  477                                              
                                              --------------------                                              
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments......................                  410                                              
                                              --------------------                                              
      Net increase (decrease) in net assets                                                                     
         resulting from operations........... $                419                                              
                                              ====================                                              

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]

                                                                          LMPVET                LMPVET                LMPVET       
                                                JANUS HENDERSON    CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE
                                                  ENTERPRISE           APPRECIATION        DIVIDEND STRATEGY     LARGE CAP GROWTH  
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $                206  $                543  $                979  $              1,080
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................                1,518                   339                   512                 4,411
      Administrative charges................                  189                    41                    63                   547
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................                1,707                   380                   575                 4,958
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....              (1,501)                   163                   404               (3,878)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                9,431                 1,562                    --                27,929
      Realized gains (losses) on sale of                                                                                           
        investments.........................               17,052                    76                   962                13,595
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......               26,483                 1,638                   962                41,524
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................               20,550                 5,404                 9,356                83,444
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................               47,033                 7,042                10,318               124,968
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $             45,532  $              7,205  $             10,722  $            121,090
                                             ====================  ====================  ====================  ====================


                                                    LMPVET                                                                         
                                             CLEARBRIDGE VARIABLE      LMPVIT WESTERN      MORGAN STANLEY VIF                      
                                               SMALL CAP GROWTH        ASSET CORE PLUS    GLOBAL INFRASTRUCTURE                    
                                                   DIVISION               DIVISION              DIVISION                           
                                             ---------------------  --------------------  ---------------------                    
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends.............................  $                 --  $              4,845  $              1,417                     
                                             ---------------------  --------------------  ---------------------                    
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................                   260                 1,135                   688                     
      Administrative charges................                    32                   141                   151                     
                                             ---------------------  --------------------  ---------------------                    
        Total expenses......................                   292                 1,276                   839                     
                                             ---------------------  --------------------  ---------------------                    
           Net investment income (loss).....                 (292)                 3,569                   578                     
                                             ---------------------  --------------------  ---------------------                    
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   554                    --                 3,083                     
      Realized gains (losses) on sale of                                                                                           
        investments.........................                 3,202                 (476)                  (92)                     
                                             ---------------------  --------------------  ---------------------                    
           Net realized gains (losses)......                 3,756                 (476)                 2,991                     
                                             ---------------------  --------------------  ---------------------                    
      Change in unrealized gains (losses)                                                                                          
        on investments......................                 3,359                 3,912                 3,316                     
                                             ---------------------  --------------------  ---------------------                    
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................                 7,115                 3,436                 6,307                     
                                             ---------------------  --------------------  ---------------------                    
      Net increase (decrease) in net assets                                                                                        
        resulting from operations...........  $              6,823  $              7,005  $              6,885                     
                                             =====================  ====================  =====================                    


                                              OPPENHEIMER GLOBAL         PIMCO VIT             PIMCO VIT                           
                                              MULTI-ALTERNATIVES    COMMODITYREALRETURN    EMERGING MARKETS                        
                                                    FUND/VA              STRATEGY                BOND                              
                                                 DIVISION (A)            DIVISION              DIVISION                            
                                             --------------------  --------------------  --------------------                      
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $                 28  $              5,420  $              3,375                      
                                             --------------------  --------------------  --------------------                      
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................                   86                   583                   771                      
      Administrative charges................                   20                   121                   173                      
                                             --------------------  --------------------  --------------------                      
        Total expenses......................                  106                   704                   944                      
                                             --------------------  --------------------  --------------------                      
           Net investment income (loss).....                 (78)                 4,716                 2,431                      
                                             --------------------  --------------------  --------------------                      
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --                    --                    --                      
      Realized gains (losses) on sale of                                                                                           
        investments.........................                   --               (2,033)                   499                      
                                             --------------------  --------------------  --------------------                      
           Net realized gains (losses)......                   --               (2,033)                   499                      
                                             --------------------  --------------------  --------------------                      
      Change in unrealized gains (losses)                                                                                          
        on investments......................                 (97)               (1,763)                 2,731                      
                                             --------------------  --------------------  --------------------                      
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................                 (97)               (3,796)                 3,230                      
                                             --------------------  --------------------  --------------------                      
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $              (175)  $                920  $              5,661                      
                                             ====================  ====================  ====================                      

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONCLUDED)   
FOR THE YEAR ENDED DECEMBER 31, 2017    

                                                        [Enlarge/Download Table]

                                                                                                              TAP 1919 VARIABLE 
                                                                                            PIMCO VIT        SOCIALLY RESPONSIVE
                                                                                       UNCONSTRAINED BOND         BALANCED      
                                                                                            DIVISION              DIVISION      
                                                                                      --------------------  --------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends...................................................................... $              1,708  $                267
                                                                                      --------------------  --------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk and                                                                                            
         other charges...............................................................                1,353                   162
      Administrative charges.........................................................                  298                    17
                                                                                      --------------------  --------------------
         Total expenses..............................................................                1,651                   179
                                                                                      --------------------  --------------------
           Net investment income (loss)..............................................                   57                    88
                                                                                      --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions....................................................                   --                 1,816
      Realized gains (losses) on sale of                                                                                        
         investments.................................................................                  193                    94
                                                                                      --------------------  --------------------
           Net realized gains (losses)...............................................                  193                 1,910
                                                                                      --------------------  --------------------
      Change in unrealized gains (losses)                                                                                       
         on investments..............................................................                3,635                   981
                                                                                      --------------------  --------------------
      Net realized and change in                                                                                                
         unrealized gains (losses)                                                                                              
         on investments..............................................................                3,828                 2,891
                                                                                      --------------------  --------------------
      Net increase (decrease) in net assets                                                                                     
         resulting from operations................................................... $              3,885  $              2,979
                                                                                      ====================  ====================

(a) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS   
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]


                                            AMERICAN FUNDS BOND              AMERICAN FUNDS GLOBAL GROWTH     
                                                 DIVISION                              DIVISION               
                                    ------------------------------------  ------------------------------------
                                          2017               2016               2017             2016 (a)     
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $         384,952  $         196,723  $         (1,589)  $           1,502
   Net realized gains (losses).....         1,121,667            163,755             41,446             13,516
   Change in unrealized gains                                                                                 
     (losses) on investments.......           470,463            946,304             81,565           (12,908)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............         1,977,082          1,306,782            121,422              2,110
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........         1,996,059          2,631,771             50,854            549,208
   Net transfers (including fixed                                                                             
     account)......................         3,944,388          6,558,700           (15,899)              5,813
   Contract charges................         (431,156)          (445,194)                 --                 --
   Transfers for Contract benefits                                                                            
     and terminations..............      (11,068,529)       (11,370,870)          (335,503)            (4,256)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......       (5,559,238)        (2,625,593)          (300,548)            550,765
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............       (3,582,156)        (1,318,811)          (179,126)            552,875
NET ASSETS:                                                                                                   
   Beginning of year...............        92,324,388         93,643,199            552,875                 --
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $      88,742,232  $      92,324,388  $         373,749  $         552,875
                                    =================  =================  =================  =================


                                        AMERICAN FUNDS GLOBAL SMALL                                           
                                              CAPITALIZATION                     AMERICAN FUNDS GROWTH        
                                                 DIVISION                              DIVISION               
                                    ------------------------------------  ----------------------------------  
                                          2017               2016               2017              2016        
                                    -----------------  -----------------  ----------------  ----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $     (4,894,692)  $     (5,610,241)  $    (9,536,324)  $    (6,230,622)  
   Net realized gains (losses).....         5,710,371         87,543,897       131,300,788       101,772,025  
   Change in unrealized gains                                                                                 
     (losses) on investments.......       104,016,189       (79,033,058)       120,057,167      (23,335,601)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       104,831,868          2,900,598       241,821,631        72,205,802  
                                    -----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........         9,244,131         12,720,416        19,867,658        24,935,243  
   Net transfers (including fixed                                                                             
     account)......................      (16,771,071)       (12,871,220)      (30,326,526)      (36,542,707)  
   Contract charges................       (2,106,440)        (2,155,474)       (2,902,347)       (2,907,666)  
   Transfers for Contract benefits                                                                            
     and terminations..............      (52,583,670)       (39,637,317)     (120,135,425)      (92,134,463)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......      (62,217,050)       (41,943,595)     (133,496,640)     (106,649,593)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets..............        42,614,818       (39,042,997)       108,324,991      (34,443,791)  
NET ASSETS:                                                                                                   
   Beginning of year...............       458,931,633        497,974,630       963,320,699       997,764,490  
                                    -----------------  -----------------  ----------------  ----------------  
   End of year..................... $     501,546,451  $     458,931,633  $  1,071,645,690  $    963,320,699  
                                    =================  =================  ================  ================  


                                                                                    BHFTI AB GLOBAL           
                                        AMERICAN FUNDS GROWTH-INCOME              DYNAMIC ALLOCATION          
                                                  DIVISION                             DIVISION               
                                    -----------------------------------  ------------------------------------ 
                                           2017              2016               2017               2016       
                                     ----------------  ----------------  -----------------  ----------------- 
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss)....  $      (639,685)  $        169,916  $       3,923,264  $       5,697,109 
   Net realized gains (losses).....        76,155,145        97,857,020         22,066,851         23,079,124 
   Change in unrealized gains                                                                                 
     (losses) on investments.......        79,975,984      (24,296,682)        161,039,666          8,961,217 
                                     ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       155,491,444        73,730,254        187,029,781         37,737,450 
                                     ----------------  ----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........        13,204,987        20,917,959          3,110,336         52,855,344 
   Net transfers (including fixed                                                                             
     account)......................      (18,279,377)      (17,540,591)       (31,331,679)         10,793,534 
   Contract charges................       (3,039,925)       (3,025,641)       (22,286,388)       (22,124,330) 
   Transfers for Contract benefits                                                                            
     and terminations..............     (100,026,191)      (73,162,399)       (96,085,886)       (79,782,569) 
                                     ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......     (108,140,506)      (72,810,672)      (146,593,617)       (38,258,021) 
                                     ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                  
        in net assets..............        47,350,938           919,582         40,436,164          (520,571) 
NET ASSETS:                                                                                                   
   Beginning of year...............       798,505,698       797,586,116      1,594,255,019      1,594,775,590 
                                     ----------------  ----------------  -----------------  ----------------- 
   End of year.....................  $    845,856,636  $    798,505,698  $   1,634,691,183  $   1,594,255,019 
                                     ================  ================  =================  ================= 


                                            BHFTI ALLIANZ GLOBAL                                              
                                     INVESTORS DYNAMIC MULTI-ASSET PLUS                                       
                                                  DIVISION                                                    
                                    ------------------------------------                                      
                                           2017               2016                                            
                                    -----------------  -----------------                                      
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $         204,576  $       (848,408)                                      
   Net realized gains (losses).....           468,055           (22,823)                                      
   Change in unrealized gains                                                                                 
     (losses) on investments.......         9,444,691          1,511,246                                      
                                    -----------------  -----------------                                      
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............        10,117,322            640,015                                      
                                    -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........           629,475         15,409,284                                      
   Net transfers (including fixed                                                                             
     account)......................          (39,705)          5,207,836                                      
   Contract charges................       (1,016,610)          (808,405)                                      
   Transfers for Contract benefits                                                                            
     and terminations..............       (4,432,644)        (3,065,056)                                      
                                    -----------------  -----------------                                      
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......       (4,859,484)         16,743,659                                      
                                    -----------------  -----------------                                      
     Net increase (decrease)                                                                                  
        in net assets..............         5,257,838         17,383,674                                      
NET ASSETS:                                                                                                   
   Beginning of year...............        74,463,734         57,080,060                                      
                                    -----------------  -----------------                                      
   End of year..................... $      79,721,572  $      74,463,734                                      
                                    =================  =================                                      

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                           BHFTI AMERICAN FUNDS                 BHFTI AMERICAN FUNDS         
                                            BALANCED ALLOCATION                   GROWTH ALLOCATION          
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ----------------------------------- 
                                          2017               2016              2017               2016       
                                    ----------------  -----------------  -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      2,161,272  $       3,089,928  $        (81,007)  $        183,845 
   Net realized gains (losses).....       52,476,769         71,519,425         34,102,973        43,416,413 
   Change in unrealized gains                                                                                
     (losses) on investments.......       73,356,473       (21,697,985)         48,200,536      (13,270,190) 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      127,994,514         52,911,368         82,222,502        30,330,068 
                                    ----------------  -----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........       11,422,860         38,118,283          8,610,277        15,430,113 
   Net transfers (including fixed                                                                            
     account)......................       25,042,409         20,318,842         11,413,137         4,924,398 
   Contract charges................      (8,727,976)        (8,224,852)        (3,885,811)       (3,792,428) 
   Transfers for Contract benefits                                                                           
     and terminations..............     (90,792,139)       (50,594,528)       (42,157,439)      (28,198,194) 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (63,054,846)          (382,255)       (26,019,836)      (11,636,111) 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............       64,939,668         52,529,113         56,202,666        18,693,957 
NET ASSETS:                                                                                                  
   Beginning of year...............      854,544,975        802,015,862        423,353,677       404,659,720 
                                    ----------------  -----------------  -----------------  ---------------- 
   End of year..................... $    919,484,643  $     854,544,975  $     479,556,343  $    423,353,677 
                                    ================  =================  =================  ================ 


                                                                                 BHFTI AMERICAN FUNDS        
                                         BHFTI AMERICAN FUNDS GROWTH              MODERATE ALLOCATION        
                                                  DIVISION                             DIVISION              
                                    ------------------------------------  -----------------------------------
                                           2017              2016               2017               2016      
                                     ----------------  -----------------  -----------------  ----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)....  $    (3,437,400)  $     (3,580,254)  $       4,927,153  $      6,093,952
   Net realized gains (losses).....        52,237,401         97,324,652         49,154,748        64,050,111
   Change in unrealized gains                                                                                
     (losses) on investments.......        42,426,288       (65,461,842)         50,457,040      (17,869,095)
                                     ----------------  -----------------  -----------------  ----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............        91,226,289         28,282,556        104,538,941        52,274,968
                                     ----------------  -----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         3,129,754         10,759,311         10,177,061        36,929,884
   Net transfers (including fixed                                                                            
     account)......................      (25,716,039)       (11,394,582)          3,134,194         2,297,892
   Contract charges................       (3,188,196)        (3,190,870)        (9,339,391)       (9,322,030)
   Transfers for Contract benefits                                                                           
     and terminations..............      (41,399,596)       (21,764,807)      (102,656,211)      (75,045,852)
                                     ----------------  -----------------  -----------------  ----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (67,174,077)       (25,590,948)       (98,684,347)      (45,140,106)
                                     ----------------  -----------------  -----------------  ----------------
     Net increase (decrease)                                                                                 
        in net assets..............        24,052,212          2,691,608          5,854,594         7,134,862
NET ASSETS:                                                                                                  
   Beginning of year...............       371,921,161        369,229,553        943,720,963       936,586,101
                                     ----------------  -----------------  -----------------  ----------------
   End of year.....................  $    395,973,373  $     371,921,161  $     949,575,557  $    943,720,963
                                     ================  =================  =================  ================


                                                                                BHFTI BLACKROCK GLOBAL       
                                      BHFTI AQR GLOBAL RISK BALANCED              TACTICAL STRATEGIES        
                                                 DIVISION                              DIVISION              
                                    ------------------------------------  ---------------------------------- 
                                           2017              2016               2017              2016       
                                    -----------------  -----------------  ----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       5,830,934  $    (16,041,659)  $   (11,320,298)  $      4,316,440 
   Net realized gains (losses).....        35,678,250       (26,638,265)        31,778,610       164,147,748 
   Change in unrealized gains                                                                                
     (losses) on investments.......        59,097,981        137,418,418       206,006,523     (105,157,857) 
                                    -----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       100,607,165         94,738,494       226,464,835        63,306,331 
                                    -----------------  -----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         2,112,964         17,844,850         4,650,432        61,761,501 
   Net transfers (including fixed                                                                            
     account)......................      (37,092,178)       (42,679,138)      (41,699,688)      (15,769,304) 
   Contract charges................      (17,688,004)       (18,428,361)      (27,693,575)      (27,583,084) 
   Transfers for Contract benefits                                                                           
     and terminations..............      (78,640,645)       (65,774,795)     (121,604,856)      (96,366,908) 
                                    -----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (131,307,863)      (109,037,444)     (186,347,687)      (77,957,795) 
                                    -----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............      (30,700,698)       (14,298,950)        40,117,148      (14,651,464) 
NET ASSETS:                                                                                                  
   Beginning of year...............     1,265,046,973      1,279,345,923     1,989,443,856     2,004,095,320 
                                    -----------------  -----------------  ----------------  ---------------- 
   End of year..................... $   1,234,346,275  $   1,265,046,973  $  2,029,561,004  $  1,989,443,856 
                                    =================  =================  ================  ================ 



                                        BHFTI BLACKROCK HIGH YIELD                                           
                                                 DIVISION                                                    
                                    ------------------------------------                                     
                                           2017              2016                                            
                                    -----------------  -----------------                                     
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $          16,280  $           9,937                                     
   Net realized gains (losses).....             2,486            (3,191)                                     
   Change in unrealized gains                                                                                
     (losses) on investments.......             5,249             18,696                                     
                                    -----------------  -----------------                                     
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............            24,015             25,442                                     
                                    -----------------  -----------------                                     
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........            30,972             99,390                                     
   Net transfers (including fixed                                                                            
     account)......................            95,204             43,805                                     
   Contract charges................              (83)               (37)                                     
   Transfers for Contract benefits                                                                           
     and terminations..............          (67,535)            (9,847)                                     
                                    -----------------  -----------------                                     
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......            58,558            133,311                                     
                                    -----------------  -----------------                                     
     Net increase (decrease)                                                                                 
        in net assets..............            82,573            158,753                                     
NET ASSETS:                                                                                                  
   Beginning of year...............           331,029            172,276                                     
                                    -----------------  -----------------                                     
   End of year..................... $         413,602  $         331,029                                     
                                    =================  =================                                     

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                               BHFTI BRIGHTHOUSE                           BHFTI               
                                             ASSET ALLOCATION 100                BRIGHTHOUSE BALANCED PLUS     
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2017               2016               2017               2016      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $         232,600  $       2,428,498  $      11,522,465  $      55,636,140
   Net realized gains (losses)......        15,310,143         27,951,625        201,475,134         39,415,780
   Change in unrealized gains                                                                                  
     (losses) on investments........        30,087,720       (14,456,236)        363,045,503        136,945,140
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............        45,630,463         15,923,887        576,043,102        231,997,060
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         9,231,079         10,910,761         12,656,717        152,319,948
   Net transfers (including fixed                                                                              
     account).......................       (1,120,771)        (3,584,705)         89,765,898         30,594,902
   Contract charges.................         (497,424)          (485,593)       (48,907,654)       (45,057,418)
   Transfers for Contract benefits                                                                             
     and terminations...............      (23,297,723)       (18,297,668)      (236,195,782)      (166,580,278)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (15,684,839)       (11,457,205)      (182,680,821)       (28,722,846)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............        29,945,624          4,466,682        393,362,281        203,274,214
NET ASSETS:                                                                                                    
   Beginning of year................       218,682,416        214,215,734      3,476,074,955      3,272,800,741
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     248,628,040  $     218,682,416  $   3,869,437,236  $   3,476,074,955
                                     =================  =================  =================  =================


                                                    BHFTI                      BHFTI BRIGHTHOUSE/ABERDEEN      
                                         BRIGHTHOUSE SMALL CAP VALUE             EMERGING MARKETS EQUITY       
                                                  DIVISION                              DIVISION               
                                     ------------------------------------  ------------------------------------
                                           2017               2016               2017               2016       
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $        (47,693)  $        (17,574)  $        (91,671)  $       (148,030)
   Net realized gains (losses)......           866,719            292,455            674,283          (617,380)
   Change in unrealized gains                                                                                  
     (losses) on investments........         1,074,488          4,130,404         12,750,253          6,099,705
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............         1,893,514          4,405,285         13,332,865          5,334,295
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           934,909          1,011,288            448,813            993,148
   Net transfers (including fixed                                                                              
     account).......................           (5,314)          (835,463)          (923,938)        (1,367,692)
   Contract charges.................          (39,495)           (38,066)          (487,852)          (487,772)
   Transfers for Contract benefits                                                                             
     and terminations...............       (1,719,493)        (1,146,340)        (5,467,540)        (2,469,245)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......         (829,393)        (1,008,581)        (6,430,517)        (3,331,561)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............         1,064,121          3,396,704          6,902,348          2,002,734
NET ASSETS:                                                                                                    
   Beginning of year................        18,727,164         15,330,460         51,521,589         49,518,855
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $      19,791,285  $      18,727,164  $      58,423,937  $      51,521,589
                                     =================  =================  =================  =================


                                          BHFTI BRIGHTHOUSE/ARTISAN              BHFTI BRIGHTHOUSE/EATON       
                                                INTERNATIONAL                      VANCE FLOATING RATE         
                                                  DIVISION                              DIVISION               
                                     ------------------------------------  ------------------------------------
                                           2017               2016               2017               2016       
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $             (4)  $            (10)  $         688,302  $         514,735
   Net realized gains (losses)......              (25)               (60)           (10,409)          (133,550)
   Change in unrealized gains                                                                                  
     (losses) on investments........               731              (228)           (41,125)          1,184,560
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............               702              (298)            636,768          1,565,745
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........                --                 --            204,827          1,804,276
   Net transfers (including fixed                                                                              
     account).......................             (276)                431          5,154,344          4,698,343
   Contract charges.................                --                 --           (79,844)           (76,126)
   Transfers for Contract benefits                                                                             
     and terminations...............             (263)              (399)        (2,767,183)        (1,439,666)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......             (539)                 32          2,512,144          4,986,827
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............               163              (266)          3,148,912          6,552,572
NET ASSETS:                                                                                                    
   Beginning of year................             2,647              2,913         26,476,747         19,924,175
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $           2,810  $           2,647  $      29,625,659  $      26,476,747
                                     =================  =================  =================  =================


                                          BHFTI BRIGHTHOUSE/FRANKLIN                                           
                                           LOW DURATION TOTAL RETURN                                           
                                                   DIVISION                                                    
                                     ------------------------------------                                      
                                            2017               2016                                            
                                     -----------------  -----------------                                      
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $         141,681  $       1,359,414                                      
   Net realized gains (losses)......         (303,532)          (646,544)                                      
   Change in unrealized gains                                                                                  
     (losses) on investments........           210,867            753,695                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............            49,016          1,466,565                                      
                                     -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           815,703          2,490,528                                      
   Net transfers (including fixed                                                                              
     account).......................        12,563,661          2,323,733                                      
   Contract charges.................         (644,029)          (668,115)                                      
   Transfers for Contract benefits                                                                             
     and terminations...............      (10,845,648)        (8,785,433)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......         1,889,687        (4,639,287)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets...............         1,938,703        (3,172,722)                                      
NET ASSETS:                                                                                                    
   Beginning of year................        82,027,391         85,200,113                                      
                                     -----------------  -----------------                                      
   End of year...................... $      83,966,094  $      82,027,391                                      
                                     =================  =================                                      

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                         BHFTI BRIGHTHOUSE/TEMPLETON         BHFTI BRIGHTHOUSE/WELLINGTON     
                                             INTERNATIONAL BOND                   LARGE CAP RESEARCH          
                                                  DIVISION                             DIVISION               
                                    ------------------------------------  ------------------------------------
                                          2017               2016               2017             2016 (b)     
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $        (95,182)  $        (94,461)  $         401,986  $       9,754,201
   Net realized gains (losses).....         (105,608)          (140,382)         50,417,197         61,232,445
   Change in unrealized gains                                                                                 
     (losses) on investments.......           118,596            212,506         89,214,450       (21,679,601)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............          (82,194)           (22,337)        140,033,633         49,307,045
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........            50,180             81,436          7,747,770          9,084,499
   Net transfers (including fixed                                                                             
     account)......................           456,036            397,532       (14,456,561)       (17,461,131)
   Contract charges................          (86,627)           (89,871)          (719,905)          (750,531)
   Transfers for Contract benefits                                                                            
     and terminations..............         (678,345)          (413,815)       (72,009,635)       (60,659,875)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......         (258,756)           (24,718)       (79,438,331)       (69,787,038)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............         (340,950)           (47,055)         60,595,302       (20,479,993)
NET ASSETS:                                                                                                   
   Beginning of year...............         7,790,764          7,837,819        703,695,885        724,175,878
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $       7,449,814  $       7,790,764  $     764,291,187  $     703,695,885
                                    =================  =================  =================  =================


                                                   BHFTI                           BHFTI CLEARBRIDGE          
                                        CLARION GLOBAL REAL ESTATE                 AGGRESSIVE GROWTH          
                                                 DIVISION                              DIVISION               
                                    ------------------------------------  ------------------------------------
                                          2017               2016               2017               2016       
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $       4,855,176  $       1,879,309  $     (2,894,403)  $     (4,670,514)
   Net realized gains (losses).....       (1,356,724)        (1,406,958)         21,644,586         11,263,135
   Change in unrealized gains                                                                                 
     (losses) on investments.......        16,141,560          (743,010)         71,712,587            310,485
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............        19,640,012          (270,659)         90,462,770          6,903,106
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........         4,750,240          7,385,884         10,572,734         17,056,798
   Net transfers (including fixed                                                                             
     account)......................       (1,232,426)          1,082,053       (19,034,767)       (33,073,370)
   Contract charges................         (931,391)        (1,014,736)        (3,562,761)        (3,727,339)
   Transfers for Contract benefits                                                                            
     and terminations..............      (23,958,730)       (20,458,485)       (59,675,536)       (45,410,709)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......      (21,372,307)       (13,005,284)       (71,700,330)       (65,154,620)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............       (1,732,295)       (13,275,943)         18,762,440       (58,251,514)
NET ASSETS:                                                                                                   
   Beginning of year...............       220,012,334        233,288,277        556,843,925        615,095,439
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $     218,280,039  $     220,012,334  $     575,606,365  $     556,843,925
                                    =================  =================  =================  =================


                                           BHFTI HARRIS OAKMARK                      BHFTI INVESCO            
                                               INTERNATIONAL                   BALANCED-RISK ALLOCATION       
                                                 DIVISION                              DIVISION               
                                    ------------------------------------  ------------------------------------
                                          2017               2016               2017               2016       
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $       2,118,352  $       4,273,674  $      13,789,581  $     (5,389,838)
   Net realized gains (losses).....         6,011,613         22,251,306         27,435,789          (822,804)
   Change in unrealized gains                                                                                 
     (losses) on investments.......       126,507,000          6,561,081          4,350,900         53,568,247
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       134,636,965         33,086,061         45,576,270         47,355,605
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........        10,782,211         15,441,606          2,203,911         25,973,982
   Net transfers (including fixed                                                                             
     account)......................      (23,898,999)       (17,374,772)         30,485,473         27,799,932
   Contract charges................       (2,848,104)        (2,790,053)        (7,355,491)        (6,346,466)
   Transfers for Contract benefits                                                                            
     and terminations..............      (58,716,931)       (37,781,688)       (37,271,958)       (26,853,042)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......      (74,681,823)       (42,504,907)       (11,938,065)         20,574,406
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............        59,955,142        (9,418,846)         33,638,205         67,930,011
NET ASSETS:                                                                                                   
   Beginning of year...............       494,276,831        503,695,677        522,371,527        454,441,516
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $     554,231,973  $     494,276,831  $     556,009,732  $     522,371,527
                                    =================  =================  =================  =================



                                          BHFTI INVESCO COMSTOCK                                              
                                                 DIVISION                                                     
                                    ----------------------------------                                        
                                          2017              2016                                              
                                    ----------------  ----------------                                        
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $            699  $            117                                        
   Net realized gains (losses).....            1,632             (130)                                        
   Change in unrealized gains                                                                                 
     (losses) on investments.......            4,646             1,347                                        
                                    ----------------  ----------------                                        
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............            6,977             1,334                                        
                                    ----------------  ----------------                                        
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........           11,401             8,809                                        
   Net transfers (including fixed                                                                             
     account)......................           23,957           (1,981)                                        
   Contract charges................              (1)               (3)                                        
   Transfers for Contract benefits                                                                            
     and terminations..............          (8,784)           (2,423)                                        
                                    ----------------  ----------------                                        
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......           26,573             4,402                                        
                                    ----------------  ----------------                                        
     Net increase (decrease)                                                                                  
        in net assets..............           33,550             5,736                                        
NET ASSETS:                                                                                                   
   Beginning of year...............           14,408             8,672                                        
                                    ----------------  ----------------                                        
   End of year..................... $         47,958  $         14,408                                        
                                    ================  ================                                        

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                                    BHFTI                                                    
                                          INVESCO SMALL CAP GROWTH             BHFTI JPMORGAN CORE BOND      
                                                  DIVISION                             DIVISION              
                                    ------------------------------------  -----------------------------------
                                           2017              2016               2017               2016      
                                    -----------------  -----------------  ----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       (675,731)  $       (617,347)  $      1,134,059  $       1,502,041
   Net realized gains (losses).....         5,262,828          7,636,784         (156,412)          (120,942)
   Change in unrealized gains                                                                                
     (losses) on investments.......         6,984,538        (2,241,631)           946,145          (619,010)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............        11,571,635          4,777,806         1,923,792            762,089
                                    -----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         1,259,381          1,863,147           781,361          4,983,310
   Net transfers (including fixed                                                                            
     account)......................       (1,361,763)        (1,199,618)         8,851,274          1,919,030
   Contract charges................         (195,858)          (194,091)         (847,128)          (895,456)
   Transfers for Contract benefits                                                                           
     and terminations..............       (5,944,306)        (4,648,805)      (12,352,615)        (6,496,612)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......       (6,242,546)        (4,179,367)       (3,567,108)          (489,728)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............         5,329,089            598,439       (1,643,316)            272,361
NET ASSETS:                                                                                                  
   Beginning of year...............        51,145,397         50,546,958        97,321,513         97,049,152
                                    -----------------  -----------------  ----------------  -----------------
   End of year..................... $      56,474,486  $      51,145,397  $     95,678,197  $      97,321,513
                                    =================  =================  ================  =================


                                              BHFTI JPMORGAN                            BHFTI                
                                         GLOBAL ACTIVE ALLOCATION             JPMORGAN SMALL CAP VALUE       
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ------------------------------------
                                           2017              2016               2017              2016       
                                    -----------------  ----------------  -----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      10,887,708  $      7,145,748  $        (33,459)  $          70,721
   Net realized gains (losses).....         4,939,898        14,193,866          1,792,477          1,596,863
   Change in unrealized gains                                                                                
     (losses) on investments.......       102,421,518       (7,246,200)        (1,290,638)          4,221,340
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       118,249,124        14,093,414            468,380          5,888,924
                                    -----------------  ----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         3,148,203        57,901,417            199,027            878,120
   Net transfers (including fixed                                                                            
     account)......................       (9,987,433)        24,796,147          (198,561)          1,820,177
   Contract charges................      (11,032,222)      (10,388,617)          (185,099)          (173,087)
   Transfers for Contract benefits                                                                           
     and terminations..............      (50,185,977)      (40,822,874)        (2,152,323)        (1,290,091)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (68,057,429)        31,486,073        (2,336,956)          1,235,119
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............        50,191,695        45,579,487        (1,868,576)          7,124,043
NET ASSETS:                                                                                                  
   Beginning of year...............       811,489,227       765,909,740         26,497,515         19,373,472
                                    -----------------  ----------------  -----------------  -----------------
   End of year..................... $     861,680,922  $    811,489,227  $      24,628,939  $      26,497,515
                                    =================  ================  =================  =================


                                            BHFTI LOOMIS SAYLES                     BHFTI METLIFE            
                                              GLOBAL MARKETS                  MULTI-INDEX TARGETED RISK      
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ----------------------------------- 
                                          2017               2016              2017               2016       
                                    ----------------  -----------------  -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $        161,236  $         475,684  $       2,139,776  $        670,865 
   Net realized gains (losses).....        4,980,956          5,071,002         30,922,567           968,376 
   Change in unrealized gains                                                                                
     (losses) on investments.......       18,870,177        (1,490,909)         89,709,027        26,580,162 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       24,012,369          4,055,777        122,771,370        28,219,403 
                                    ----------------  -----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........        1,977,723          2,994,170          5,106,272       112,718,047 
   Net transfers (including fixed                                                                            
     account)......................      (4,030,414)          8,193,706          2,725,483        34,422,981 
   Contract charges................        (881,864)          (882,246)       (12,176,759)      (10,731,996) 
   Transfers for Contract benefits                                                                           
     and terminations..............     (14,505,394)       (10,657,165)       (52,368,635)      (38,586,159) 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (17,439,949)          (351,535)       (56,713,639)        97,822,873 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............        6,572,420          3,704,242         66,057,731       126,042,276 
NET ASSETS:                                                                                                  
   Beginning of year...............      117,860,066        114,155,824        900,136,783       774,094,507 
                                    ----------------  -----------------  -----------------  ---------------- 
   End of year..................... $    124,432,486  $     117,860,066  $     966,194,514  $    900,136,783 
                                    ================  =================  =================  ================ 



                                      BHFTI MFS RESEARCH INTERNATIONAL                                       
                                                  DIVISION                                                   
                                    ------------------------------------                                     
                                           2017              2016                                            
                                    -----------------  -----------------                                     
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       1,153,813  $       1,621,283                                     
   Net realized gains (losses).....         1,415,099        (2,135,365)                                     
   Change in unrealized gains                                                                                
     (losses) on investments.......        43,982,063        (3,395,887)                                     
                                    -----------------  -----------------                                     
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............        46,550,975        (3,909,969)                                     
                                    -----------------  -----------------                                     
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         3,813,844          5,602,966                                     
   Net transfers (including fixed                                                                            
     account)......................      (10,943,262)          (483,768)                                     
   Contract charges................         (994,027)        (1,013,488)                                     
   Transfers for Contract benefits                                                                           
     and terminations..............      (21,425,862)       (16,066,432)                                     
                                    -----------------  -----------------                                     
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (29,549,307)       (11,960,722)                                     
                                    -----------------  -----------------                                     
     Net increase (decrease)                                                                                 
        in net assets..............        17,001,668       (15,870,691)                                     
NET ASSETS:                                                                                                  
   Beginning of year...............       185,265,721        201,136,412                                     
                                    -----------------  -----------------                                     
   End of year..................... $     202,267,389  $     185,265,721                                     
                                    =================  =================                                     

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                           BHFTI MORGAN STANLEY                         BHFTI               
                                              MID CAP GROWTH                  OPPENHEIMER GLOBAL EQUITY     
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                          2017               2016              2017               2016      
                                    -----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $     (2,909,008)  $    (3,491,333)  $       (658,217)  $      (458,547)
   Net realized gains (losses).....        17,261,420         8,815,810         13,988,566        18,681,846
   Change in unrealized gains                                                                               
     (losses) on investments.......        85,780,558      (34,438,851)         65,880,609      (21,132,675)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............       100,132,970      (29,114,374)         79,210,958       (2,909,376)
                                    -----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners..........         6,647,229         7,763,311          4,318,629         7,414,080
   Net transfers (including fixed                                                                           
     account)......................       (6,073,102)       (4,167,465)        (9,995,622)       (7,842,853)
   Contract charges................         (443,639)         (428,140)        (1,103,059)       (1,096,762)
   Transfers for Contract benefits                                                                          
     and terminations..............      (29,996,813)      (23,083,046)       (30,292,514)      (23,327,788)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions......      (29,866,325)      (19,915,340)       (37,072,566)      (24,853,323)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets..............        70,266,645      (49,029,714)         42,138,392      (27,762,699)
NET ASSETS:                                                                                                 
   Beginning of year...............       269,357,054       318,386,768        240,714,689       268,477,388
                                    -----------------  ----------------  -----------------  ----------------
   End of year..................... $     339,623,699  $    269,357,054  $     282,853,081  $    240,714,689
                                    =================  ================  =================  ================


                                              BHFTI PANAGORA                         BHFTI PIMCO            
                                          GLOBAL DIVERSIFIED RISK             INFLATION PROTECTED BOND      
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                           2017              2016              2017               2016      
                                    -----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $     (1,204,233)  $        659,273  $       1,342,846  $    (5,585,593)
   Net realized gains (losses).....           797,418         1,400,761        (4,187,546)       (7,854,721)
   Change in unrealized gains                                                                               
     (losses) on investments.......        10,637,787           254,567         12,261,154        29,396,662
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............        10,230,972         2,314,601          9,416,454        15,956,348
                                    -----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners..........           482,417        13,091,510          5,334,696         8,871,359
   Net transfers (including fixed                                                                           
     account)......................        12,108,474        39,349,002         30,757,475         (302,576)
   Contract charges................       (1,254,703)         (548,821)        (3,467,644)       (3,639,406)
   Transfers for Contract benefits                                                                          
     and terminations..............       (5,393,409)       (2,016,785)       (51,938,296)      (36,409,123)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions......         5,942,779        49,874,906       (19,313,769)      (31,479,746)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets..............        16,173,751        52,189,507        (9,897,315)      (15,523,398)
NET ASSETS:                                                                                                 
   Beginning of year...............        79,219,064        27,029,557        435,880,990       451,404,388
                                    -----------------  ----------------  -----------------  ----------------
   End of year..................... $      95,392,815  $     79,219,064  $     425,983,675  $    435,880,990
                                    =================  ================  =================  ================


                                                                                        BHFTI               
                                         BHFTI PIMCO TOTAL RETURN             PYRAMIS GOVERNMENT INCOME     
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                           2017              2016              2017               2016      
                                    -----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $       4,870,970  $     12,831,739  $       4,514,174  $      4,401,277
   Net realized gains (losses).....         1,942,483       (5,197,120)        (1,575,732)         (156,174)
   Change in unrealized gains                                                                               
     (losses) on investments.......        22,817,382         5,881,365          3,534,060       (4,381,845)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............        29,630,835        13,515,984          6,472,502         (136,742)
                                    -----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners..........        12,115,447        21,877,733          1,183,495        16,994,960
   Net transfers (including fixed                                                                           
     account)......................        55,309,551      (14,551,456)       (12,263,866)        30,771,240
   Contract charges................       (6,434,877)       (6,911,454)        (6,955,636)       (7,507,128)
   Transfers for Contract benefits                                                                          
     and terminations..............     (108,240,821)      (82,178,458)       (41,648,791)      (39,252,970)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions......      (47,250,700)      (81,763,635)       (59,684,798)         1,006,102
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets..............      (17,619,865)      (68,247,651)       (53,212,296)           869,360
NET ASSETS:                                                                                                 
   Beginning of year...............       925,935,319       994,182,970        511,947,386       511,078,026
                                    -----------------  ----------------  -----------------  ----------------
   End of year..................... $     908,315,454  $    925,935,319  $     458,735,090  $    511,947,386
                                    =================  ================  =================  ================


                                                   BHFTI                                                    
                                       SCHRODERS GLOBAL MULTI-ASSET                                         
                                                 DIVISION                                                   
                                    -----------------------------------                                     
                                           2017              2016                                           
                                    -----------------  ----------------                                     
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $     (2,462,878)  $        851,049                                     
   Net realized gains (losses).....        15,061,284         7,900,250                                     
   Change in unrealized gains                                                                               
     (losses) on investments.......        54,268,929        14,036,744                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............        66,867,335        22,788,043                                     
                                    -----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners..........         2,343,769        33,708,870                                     
   Net transfers (including fixed                                                                           
     account)......................       (1,145,660)        12,925,074                                     
   Contract charges................       (7,311,990)       (6,780,954)                                     
   Transfers for Contract benefits                                                                          
     and terminations..............      (33,646,789)      (24,010,235)                                     
                                    -----------------  ----------------                                     
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions......      (39,760,670)        15,842,755                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
        in net assets..............        27,106,665        38,630,798                                     
NET ASSETS:                                                                                                 
   Beginning of year...............       537,033,268       498,402,470                                     
                                    -----------------  ----------------                                     
   End of year..................... $     564,139,933  $    537,033,268                                     
                                    =================  ================                                     

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                              BHFTI SCHRODERS                      BHFTI SSGA               
                                           GLOBAL MULTI-ASSET II              GROWTH AND INCOME ETF         
                                                 DIVISION                           DIVISION                
                                    ----------------------------------  ----------------------------------  
                                          2017              2016              2017              2016        
                                    ----------------  ----------------  ----------------  ----------------  
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $      (899,009)  $    (1,746,482)  $     10,386,039  $      9,719,733  
   Net realized gains (losses)....         2,342,236         1,056,983        11,148,158        50,693,050  
   Change in unrealized gains                                                                               
     (losses) on investments......        54,207,140        12,972,660        95,975,484      (21,976,549)  
                                    ----------------  ----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........        55,650,367        12,283,161       117,509,681        38,436,234  
                                    ----------------  ----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........         2,929,464        52,633,069         7,828,489        28,406,285  
   Net transfers (including fixed                                                                           
     account).....................        16,656,320        19,675,694      (21,747,400)      (21,229,604)  
   Contract charges...............       (5,082,009)       (4,242,703)       (9,168,108)       (9,375,518)  
   Transfers for Contract benefits                                                                          
     and terminations.............      (23,925,298)      (13,665,971)      (86,607,473)      (54,770,353)  
                                    ----------------  ----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions.....       (9,421,523)        54,400,089     (109,694,492)      (56,969,190)  
                                    ----------------  ----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                
        in net assets.............        46,228,844        66,683,250         7,815,189      (18,532,956)  
NET ASSETS:                                                                                                 
   Beginning of year..............       376,214,055       309,530,805       861,727,162       880,260,118  
                                    ----------------  ----------------  ----------------  ----------------  
   End of year....................  $    422,442,899  $    376,214,055  $    869,542,351  $    861,727,162  
                                    ================  ================  ================  ================  


                                                                                        BHFTI               
                                           BHFTI SSGA GROWTH ETF            T. ROWE PRICE LARGE CAP VALUE   
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                          2017               2016              2017              2016       
                                    -----------------  ----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $       1,290,711  $      1,307,944  $          4,835  $           4,573
   Net realized gains (losses)....          3,016,141         9,118,383            48,741             28,858
   Change in unrealized gains                                                                               
     (losses) on investments......         20,976,065       (2,689,685)            23,850             11,699
                                    -----------------  ----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........         25,282,917         7,736,642            77,426             45,130
                                    -----------------  ----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........          2,975,527         5,166,725            44,186            298,982
   Net transfers (including fixed                                                                           
     account).....................           (60,439)       (3,524,942)            77,096           (30,531)
   Contract charges...............        (1,042,753)       (1,058,387)              (61)               (55)
   Transfers for Contract benefits                                                                          
     and terminations.............       (15,165,437)      (11,336,035)          (61,455)            (9,796)
                                    -----------------  ----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions.....       (13,293,102)      (10,752,639)            59,766            258,600
                                    -----------------  ----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets.............         11,989,815       (3,015,997)           137,192            303,730
NET ASSETS:                                                                                                 
   Beginning of year..............        145,066,205       148,082,202           441,526            137,796
                                    -----------------  ----------------  ----------------  -----------------
   End of year....................  $     157,056,020  $    145,066,205  $        578,718  $         441,526
                                    =================  ================  ================  =================


                                                   BHFTI                                                    
                                       T. ROWE PRICE MID CAP GROWTH          BHFTI TCW CORE FIXED INCOME    
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                           2017              2016              2017               2016      
                                     ----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...   $    (6,096,475)  $    (5,595,593)  $             947  $        (1,009)
   Net realized gains (losses)....         49,719,764        71,317,575              (131)             (106)
   Change in unrealized gains                                                                               
     (losses) on investments......         57,760,642      (43,877,188)              3,477           (3,843)
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........        101,383,931        21,844,794              4,293           (4,958)
                                     ----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........         10,627,642        18,381,660              1,078           104,341
   Net transfers (including fixed                                                                           
     account).....................        (2,606,563)       (6,800,190)           (51,424)           216,916
   Contract charges...............        (2,256,763)       (2,236,616)                (3)                --
   Transfers for Contract benefits                                                                          
     and terminations.............       (52,403,267)      (36,717,272)           (17,008)          (18,490)
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions.....       (46,638,951)      (27,372,418)           (67,357)           302,767
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets.............         54,744,980       (5,527,624)           (63,064)           297,809
NET ASSETS:                                                                                                 
   Beginning of year..............        451,415,560       456,943,184            318,472            20,663
                                     ----------------  ----------------  -----------------  ----------------
   End of year....................   $    506,160,540  $    451,415,560  $         255,408  $        318,472
                                     ================  ================  =================  ================


                                                   BHFTI                                                    
                                      VICTORY SYCAMORE MID CAP VALUE                                        
                                                 DIVISION                                                   
                                    -----------------------------------                                     
                                          2017               2016                                           
                                    ----------------  -----------------                                     
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (1,066,659)  $     (2,210,544)                                     
   Net realized gains (losses)....         5,902,965         20,870,823                                     
   Change in unrealized gains                                                                               
     (losses) on investments......        28,563,919         37,621,223                                     
                                    ----------------  -----------------                                     
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........        33,400,225         56,281,502                                     
                                    ----------------  -----------------                                     
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........         7,000,693          9,637,257                                     
   Net transfers (including fixed                                                                           
     account).....................       (1,087,546)       (18,679,137)                                     
   Contract charges...............       (1,535,273)        (1,621,588)                                     
   Transfers for Contract benefits                                                                          
     and terminations.............      (45,451,743)       (35,893,614)                                     
                                    ----------------  -----------------                                     
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions.....      (41,073,869)       (46,557,082)                                     
                                    ----------------  -----------------                                     
     Net increase (decrease)                                                                                
        in net assets.............       (7,673,644)          9,724,420                                     
NET ASSETS:                                                                                                 
   Beginning of year..............       432,480,626        422,756,206                                     
                                    ----------------  -----------------                                     
   End of year....................  $    424,806,982  $     432,480,626                                     
                                    ================  =================                                     

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                              BHFTI WELLS CAPITAL                        BHFTII                 
                                           MANAGEMENT MID CAP VALUE        BAILLIE GIFFORD INTERNATIONAL STOCK  
                                                   DIVISION                             DIVISION                
                                     ------------------------------------  ------------------------------------ 
                                            2017               2016              2017               2016        
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $           (812)  $         (1,138)  $       (157,306)  $         322,605 
   Net realized gains (losses)......               530             14,246          2,005,558        (1,437,129) 
   Change in unrealized gains                                                                                   
     (losses) on investments........            30,168             22,745         36,135,010          5,990,793 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............            29,886             35,853         37,983,262          4,876,269 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........               138             86,478          1,837,132          2,553,574 
   Net transfers (including fixed                                                                               
     account).......................             4,742             45,512        (6,093,311)        (2,835,892) 
   Contract charges.................               (9)                (5)          (400,844)          (395,781) 
   Transfers for Contract benefits                                                                              
     and terminations...............          (16,561)           (10,390)       (13,718,026)       (10,805,657) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......          (11,690)            121,595       (18,375,049)       (11,483,756) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............            18,196            157,448         19,608,213        (6,607,487) 
NET ASSETS:                                                                                                     
   Beginning of year................           324,307            166,859        120,269,128        126,876,615 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $         342,503  $         324,307  $     139,877,341  $     120,269,128 
                                     =================  =================  =================  ================= 


                                                   BHFTII                                 BHFTII                
                                            BLACKROCK BOND INCOME             BLACKROCK CAPITAL APPRECIATION    
                                                  DIVISION                               DIVISION               
                                     ------------------------------------  ------------------------------------ 
                                           2017               2016                2017               2016       
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       8,056,197  $       8,607,599  $     (2,251,481)  $     (2,135,910) 
   Net realized gains (losses)......         (462,981)          (112,877)         12,764,019         19,426,861 
   Change in unrealized gains                                                                                   
     (losses) on investments........         4,619,528          (633,208)         38,506,910       (19,863,296) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............        12,212,744          7,861,514         49,019,448        (2,572,345) 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........         6,188,153         12,261,794          2,768,885          4,982,463 
   Net transfers (including fixed                                                                               
     account).......................        23,106,602         16,773,717        (5,972,941)        (5,745,313) 
   Contract charges.................       (2,388,256)        (2,445,620)        (1,037,964)        (1,045,913) 
   Transfers for Contract benefits                                                                              
     and terminations...............      (53,749,282)       (43,300,084)       (18,981,157)       (14,318,859) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......      (26,842,783)       (16,710,193)       (23,223,177)       (16,127,622) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............      (14,630,039)        (8,848,679)         25,796,271       (18,699,967) 
NET ASSETS:                                                                                                     
   Beginning of year................       470,040,574        478,889,253        162,149,281        180,849,248 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $     455,410,535  $     470,040,574  $     187,945,552  $     162,149,281 
                                     =================  =================  =================  ================= 


                                                    BHFTII                                BHFTII                
                                        BLACKROCK ULTRA-SHORT TERM BOND       BRIGHTHOUSE ASSET ALLOCATION 20   
                                                   DIVISION                              DIVISION               
                                     ------------------------------------  -------------------------------------
                                            2017               2016               2017               2016       
                                     -----------------  -----------------   -----------------  -----------------
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       (700,411)  $       (831,026)   $       3,410,307  $       9,100,773
   Net realized gains (losses)......            60,067             10,909           5,725,055         14,274,734
   Change in unrealized gains                                                                                   
     (losses) on investments........           266,651             76,512          14,237,838        (8,522,160)
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............         (373,693)          (743,605)          23,373,200         14,853,347
                                     -----------------  -----------------   -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........         1,841,539          5,327,542           4,050,828         11,002,573
   Net transfers (including fixed                                                                               
     account).......................         3,864,447          1,147,765           (655,687)          1,497,292
   Contract charges.................         (489,782)          (507,783)         (3,028,422)        (3,201,704)
   Transfers for Contract benefits                                                                              
     and terminations...............       (8,551,899)       (10,736,963)        (60,336,378)       (50,131,001)
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......       (3,335,695)        (4,769,439)        (59,969,659)       (40,832,840)
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets...............       (3,709,388)        (5,513,044)        (36,596,459)       (25,979,493)
NET ASSETS:                                                                                                     
   Beginning of year................        60,125,414         65,638,458         445,624,899        471,604,392
                                     -----------------  -----------------   -----------------  -----------------
   End of year...................... $      56,416,026  $      60,125,414   $     409,028,440  $     445,624,899
                                     =================  =================   =================  =================


                                                   BHFTII                                                       
                                       BRIGHTHOUSE ASSET ALLOCATION 40                                          
                                                  DIVISION                                                      
                                     ------------------------------------                                       
                                           2017                2016                                             
                                     -----------------  -----------------                                       
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       8,480,498  $      28,498,137                                       
   Net realized gains (losses)......        45,744,531         86,368,346                                       
   Change in unrealized gains                                                                                   
     (losses) on investments........        51,406,697       (57,181,305)                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............       105,631,726         57,685,178                                       
                                     -----------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........        14,090,002         32,183,221                                       
   Net transfers (including fixed                                                                               
     account).......................      (14,808,050)       (18,101,380)                                       
   Contract charges.................       (9,107,743)        (9,606,302)                                       
   Transfers for Contract benefits                                                                              
     and terminations...............     (151,444,181)      (125,103,940)                                       
                                     -----------------  -----------------                                       
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......     (161,269,972)      (120,628,401)                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets...............      (55,638,246)       (62,943,223)                                       
NET ASSETS:                                                                                                     
   Beginning of year................     1,211,312,236      1,274,255,459                                       
                                     -----------------  -----------------                                       
   End of year...................... $   1,155,673,990  $   1,211,312,236                                       
                                     =================  =================                                       

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                                    BHFTII                              BHFTII                 
                                        BRIGHTHOUSE ASSET ALLOCATION 60     BRIGHTHOUSE ASSET ALLOCATION 80    
                                                   DIVISION                            DIVISION                
                                     -----------------------------------  ------------------------------------ 
                                            2017              2016              2017               2016        
                                     -----------------  ----------------  -----------------  ----------------- 
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $      19,072,269  $     74,264,715  $       6,027,006  $      30,700,407 
   Net realized gains (losses)......       204,600,879       381,718,432        135,691,672        235,546,377 
   Change in unrealized gains                                                                                  
     (losses) on investments........       267,993,873     (237,262,789)        165,033,962      (148,598,984) 
                                     -----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............       491,667,021       218,720,358        306,752,640        117,647,800 
                                     -----------------  ----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........        57,932,423       103,565,026         43,342,542         60,253,187 
   Net transfers (including fixed                                                                              
     account).......................      (21,745,672)      (63,241,141)       (20,010,213)       (51,793,453) 
   Contract charges.................      (33,935,618)      (34,966,672)       (12,702,647)       (13,037,654) 
   Transfers for Contract benefits                                                                             
     and terminations...............     (442,881,408)     (324,717,775)      (192,677,018)      (138,187,024) 
                                     -----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......     (440,630,275)     (319,360,562)      (182,047,336)      (142,764,944) 
                                     -----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                   
        in net assets...............        51,036,746     (100,640,204)        124,705,304       (25,117,144) 
NET ASSETS:                                                                                                    
   Beginning of year................     3,877,916,522     3,978,556,726      1,808,886,432      1,834,003,576 
                                     -----------------  ----------------  -----------------  ----------------- 
   End of year...................... $   3,928,953,268  $  3,877,916,522  $   1,933,591,736  $   1,808,886,432 
                                     =================  ================  =================  ================= 


                                                   BHFTII                     BHFTII BRIGHTHOUSE/DIMENSIONAL   
                                      BRIGHTHOUSE/ARTISAN MID CAP VALUE         INTERNATIONAL SMALL COMPANY    
                                                  DIVISION                               DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2017              2016                2017               2016      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $     (1,518,868)  $       (601,891)  $          60,829  $          55,111
   Net realized gains (losses)......         3,525,345         23,648,127            382,702            355,318
   Change in unrealized gains                                                                                  
     (losses) on investments........        22,185,986         18,242,285          1,781,452           (12,572)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............        24,192,463         41,288,521          2,224,983            397,857
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         4,203,421          5,802,518             63,299            420,852
   Net transfers (including fixed                                                                              
     account).......................       (8,072,795)          5,908,335          (159,645)            376,614
   Contract charges.................         (612,038)          (599,704)           (56,558)           (59,858)
   Transfers for Contract benefits                                                                             
     and terminations...............      (26,464,802)       (19,966,522)          (833,823)          (503,925)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (30,946,214)        (8,855,373)          (986,727)            233,683
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............       (6,753,751)         32,433,148          1,238,256            631,540
NET ASSETS:                                                                                                    
   Beginning of year................       233,427,628        200,994,480          8,357,661          7,726,121
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     226,673,877  $     233,427,628  $       9,595,917  $       8,357,661
                                     =================  =================  =================  =================


                                                    BHFTII                    BHFTII BRIGHTHOUSE/WELLINGTON    
                                        BRIGHTHOUSE/WELLINGTON BALANCED         CORE EQUITY OPPORTUNITIES      
                                                   DIVISION                             DIVISION               
                                     ------------------------------------  ------------------------------------
                                            2017              2016               2017               2016       
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       3,805,647  $       8,739,780  $         815,139  $       1,070,615
   Net realized gains (losses)......        23,049,190         32,768,664         23,311,211         22,303,959
   Change in unrealized gains                                                                                  
     (losses) on investments........        50,501,388        (9,328,313)         66,394,541          7,744,412
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............        77,356,225         32,180,131         90,520,891         31,118,986
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         8,269,596          7,980,988          8,110,994         11,112,969
   Net transfers (including fixed                                                                              
     account).......................       (4,147,326)        (7,221,026)       (17,483,984)        (3,688,099)
   Contract charges.................         (300,463)          (315,878)        (2,761,142)        (2,845,331)
   Transfers for Contract benefits                                                                             
     and terminations...............      (58,955,901)       (57,760,586)       (62,931,863)       (49,042,235)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (55,134,094)       (57,316,502)       (75,065,995)       (44,462,696)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............        22,222,131       (25,136,371)         15,454,896       (13,343,710)
NET ASSETS:                                                                                                    
   Beginning of year................       587,936,841        613,073,212        555,287,850        568,631,560
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     610,158,972  $     587,936,841  $     570,742,746  $     555,287,850
                                     =================  =================  =================  =================



                                        BHFTII FRONTIER MID CAP GROWTH                                         
                                                   DIVISION                                                    
                                     ------------------------------------                                      
                                           2017                2016                                            
                                     -----------------  -----------------                                      
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $     (6,020,390)  $     (5,640,961)                                      
   Net realized gains (losses)......        26,427,851         63,508,602                                      
   Change in unrealized gains                                                                                  
     (losses) on investments........        82,851,733       (40,013,176)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............       103,259,194         17,854,465                                      
                                     -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         4,102,396          7,512,295                                      
   Net transfers (including fixed                                                                              
     account).......................       (8,115,219)       (11,578,837)                                      
   Contract charges.................         (610,404)          (612,223)                                      
   Transfers for Contract benefits                                                                             
     and terminations...............      (45,437,009)       (39,090,873)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (50,060,236)       (43,769,638)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets...............        53,198,958       (25,915,173)                                      
NET ASSETS:                                                                                                    
   Beginning of year................       455,250,831        481,166,004                                      
                                     -----------------  -----------------                                      
   End of year...................... $     508,449,789  $     455,250,831                                      
                                     =================  =================                                      

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                                                                        BHFTII               
                                           BHFTII JENNISON GROWTH            LOOMIS SAYLES SMALL CAP CORE    
                                                  DIVISION                             DIVISION              
                                    ------------------------------------  -----------------------------------
                                           2017              2016               2017               2016      
                                    -----------------  -----------------  ----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $     (2,124,364)  $     (2,049,550)  $    (2,009,459)  $     (1,844,794)
   Net realized gains (losses).....        18,197,469         23,550,220        15,896,503         16,917,175
   Change in unrealized gains                                                                                
     (losses) on investments.......        39,899,960       (23,810,580)         9,390,051         12,920,486
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............        55,973,065        (2,309,910)        23,277,095         27,992,867
                                    -----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         2,947,583          5,677,302         3,092,619          4,161,800
   Net transfers (including fixed                                                                            
     account)......................           130,091        (6,839,399)       (2,092,741)        (6,624,611)
   Contract charges................       (1,072,527)        (1,044,022)         (730,158)          (731,615)
   Transfers for Contract benefits                                                                           
     and terminations..............      (21,282,234)       (13,831,574)      (19,220,210)       (13,811,136)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (19,277,087)       (16,037,693)      (18,950,490)       (17,005,562)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............        36,695,978       (18,347,603)         4,326,605         10,987,305
NET ASSETS:                                                                                                  
   Beginning of year...............       166,434,950        184,782,553       181,016,875        170,029,570
                                    -----------------  -----------------  ----------------  -----------------
   End of year..................... $     203,130,928  $     166,434,950  $    185,343,480  $     181,016,875
                                    =================  =================  ================  =================


                                                  BHFTII                               BHFTII                
                                      LOOMIS SAYLES SMALL CAP GROWTH        METLIFE AGGREGATE BOND INDEX     
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ------------------------------------
                                          2017               2016               2017              2016       
                                    -----------------  ----------------  -----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       (633,406)  $      (582,881)  $      17,047,515  $      15,932,511
   Net realized gains (losses).....         3,505,237         5,089,497          (759,983)            951,851
   Change in unrealized gains                                                                                
     (losses) on investments.......         8,668,646       (2,509,551)          3,486,073        (6,621,395)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............        11,540,477         1,997,065         19,773,605         10,262,967
                                    -----------------  ----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         1,269,391         1,495,178         23,503,658         54,460,240
   Net transfers (including fixed                                                                            
     account)......................       (1,010,201)       (2,353,186)         71,464,358         41,379,186
   Contract charges................         (119,058)         (114,375)        (6,535,417)        (6,808,934)
   Transfers for Contract benefits                                                                           
     and terminations..............       (5,506,258)       (4,390,583)      (130,286,348)      (107,446,383)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......       (5,366,126)       (5,362,966)       (41,853,749)       (18,415,891)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............         6,174,351       (3,365,901)       (22,080,144)        (8,152,924)
NET ASSETS:                                                                                                  
   Beginning of year...............        48,392,379        51,758,280      1,148,709,486      1,156,862,410
                                    -----------------  ----------------  -----------------  -----------------
   End of year..................... $      54,566,730  $     48,392,379  $   1,126,629,342  $   1,148,709,486
                                    =================  ================  =================  =================


                                                  BHFTII                               BHFTII                
                                        METLIFE MID CAP STOCK INDEX            METLIFE MSCI EAFE INDEX       
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ----------------------------------- 
                                          2017               2016              2017               2016       
                                    ----------------  -----------------  -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       (86,238)  $       (688,315)  $       6,821,892  $      5,875,634 
   Net realized gains (losses).....       54,030,656         53,506,789          9,980,536           391,069 
   Change in unrealized gains                                                                                
     (losses) on investments.......       22,260,577         38,668,355         90,321,216       (6,208,669) 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       76,204,995         91,486,829        107,123,644            58,034 
                                    ----------------  -----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........       13,688,175         20,039,909         14,028,712        20,582,165 
   Net transfers (including fixed                                                                            
     account)......................      (5,386,844)       (18,608,373)       (31,020,811)        15,091,646 
   Contract charges................      (2,050,956)        (2,052,277)        (2,198,948)       (2,181,560) 
   Transfers for Contract benefits                                                                           
     and terminations..............     (59,933,134)       (41,609,056)       (52,600,370)      (38,424,202) 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (53,682,759)       (42,229,797)       (71,791,417)       (4,931,951) 
                                    ----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............       22,522,236         49,257,032         35,332,227       (4,873,917) 
NET ASSETS:                                                                                                  
   Beginning of year...............      557,664,712        508,407,680        489,403,933       494,277,850 
                                    ----------------  -----------------  -----------------  ---------------- 
   End of year..................... $    580,186,948  $     557,664,712  $     524,736,160  $    489,403,933 
                                    ================  =================  =================  ================ 


                                                   BHFTII                                                    
                                         METLIFE RUSSELL 2000 INDEX                                          
                                                  DIVISION                                                   
                                    ------------------------------------                                     
                                           2017              2016                                            
                                    -----------------  -----------------                                     
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       (514,893)  $          16,187                                     
   Net realized gains (losses).....        28,279,676         28,459,878                                     
   Change in unrealized gains                                                                                
     (losses) on investments.......        17,271,752         31,722,627                                     
                                    -----------------  -----------------                                     
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............        45,036,535         60,198,692                                     
                                    -----------------  -----------------                                     
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         9,620,298         13,003,263                                     
   Net transfers (including fixed                                                                            
     account)......................         1,575,485       (10,535,690)                                     
   Contract charges................       (1,047,385)        (1,011,597)                                     
   Transfers for Contract benefits                                                                           
     and terminations..............      (36,609,580)       (24,446,703)                                     
                                    -----------------  -----------------                                     
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (26,461,182)       (22,990,727)                                     
                                    -----------------  -----------------                                     
     Net increase (decrease)                                                                                 
        in net assets..............        18,575,353         37,207,965                                     
NET ASSETS:                                                                                                  
   Beginning of year...............       355,330,009        318,122,044                                     
                                    -----------------  -----------------                                     
   End of year..................... $     373,905,362  $     355,330,009                                     
                                    =================  =================                                     

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]


                                         BHFTII METLIFE STOCK INDEX            BHFTII MFS TOTAL RETURN       
                                                  DIVISION                            DIVISION               
                                    -----------------------------------  ----------------------------------- 
                                           2017              2016              2017              2016        
                                    -----------------  ----------------  ----------------  ----------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      13,689,433  $     19,334,362  $      1,733,488  $       2,302,861 
   Net realized gains (losses).....       221,254,342       211,734,612        11,329,207          9,019,387 
   Change in unrealized gains                                                                                
     (losses) on investments.......       326,468,528        52,363,507         2,085,703          (516,566) 
                                    -----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       561,412,303       283,432,481        15,148,398         10,805,682 
                                    -----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........        52,505,907        75,998,252         2,195,575          4,232,150 
   Net transfers (including fixed                                                                            
     account)......................      (65,927,211)      (49,866,043)         1,389,791          4,259,937 
   Contract charges................       (7,535,414)       (7,541,991)         (471,152)          (486,460) 
   Transfers for Contract benefits                                                                           
     and terminations..............     (320,802,517)     (253,288,450)      (19,550,057)       (15,540,037) 
                                    -----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (341,759,235)     (234,698,232)      (16,435,843)        (7,534,410) 
                                    -----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets..............       219,653,068        48,734,249       (1,287,445)          3,271,272 
NET ASSETS:                                                                                                  
   Beginning of year...............     2,971,460,417     2,922,726,168       146,385,435        143,114,163 
                                    -----------------  ----------------  ----------------  ----------------- 
   End of year..................... $   3,191,113,485  $  2,971,460,417  $    145,097,990  $     146,385,435 
                                    =================  ================  ================  ================= 



                                             BHFTII MFS VALUE                   BHFTII MFS VALUE II          
                                                 DIVISION                            DIVISION                
                                    ----------------------------------  -----------------------------------  
                                          2017              2016              2017               2016        
                                    ----------------  ----------------  -----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      3,259,229  $      4,085,157  $       2,953,484  $        456,320  
   Net realized gains (losses).....       36,637,754        44,846,602        (3,510,786)        12,188,314  
   Change in unrealized gains                                                                                
     (losses) on investments.......       37,801,662         9,395,735         15,257,924        25,719,292  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       77,698,645        58,327,494         14,700,622        38,363,926  
                                    ----------------  ----------------  -----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........        8,478,120        14,862,838          4,433,464         7,615,577  
   Net transfers (including fixed                                                                            
     account)......................     (10,925,494)         3,010,574          3,052,126       (1,221,368)  
   Contract charges................      (1,999,998)       (2,005,385)        (1,319,477)       (1,361,431)  
   Transfers for Contract benefits                                                                           
     and terminations..............     (55,996,065)      (42,954,625)       (28,879,364)      (22,429,856)  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (60,443,437)      (27,086,598)       (22,713,251)      (17,397,078)  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets..............       17,255,208        31,240,896        (8,012,629)        20,966,848  
NET ASSETS:                                                                                                  
   Beginning of year...............      506,526,529       475,285,633        262,264,238       241,297,390  
                                    ----------------  ----------------  -----------------  ----------------  
   End of year..................... $    523,781,737  $    506,526,529  $     254,251,609  $    262,264,238  
                                    ================  ================  =================  ================  


                                                                                        BHFTII               
                                      BHFTII NEUBERGER BERMAN GENESIS       T. ROWE PRICE LARGE CAP GROWTH   
                                                 DIVISION                              DIVISION              
                                    ------------------------------------  -----------------------------------
                                           2017              2016               2017               2016      
                                    -----------------  -----------------  ----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $     (2,931,011)  $     (2,623,502)  $    (6,183,150)  $     (5,967,633)
   Net realized gains (losses).....        36,628,408          7,523,096        46,716,332         66,170,073
   Change in unrealized gains                                                                                
     (losses) on investments.......         7,109,136         41,287,716       112,964,163       (57,287,839)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............        40,806,533         46,187,310       153,497,345          2,914,601
                                    -----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         5,334,821          6,246,211        14,066,430         24,655,893
   Net transfers (including fixed                                                                            
     account)......................       (5,128,452)        (9,348,516)         8,296,374          5,072,806
   Contract charges................         (673,221)          (690,152)       (1,857,240)        (1,688,264)
   Transfers for Contract benefits                                                                           
     and terminations..............      (32,612,137)       (25,277,782)      (56,046,547)       (38,393,708)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (33,078,989)       (29,070,239)      (35,540,983)       (10,353,273)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............         7,727,544         17,117,071       117,956,362        (7,438,672)
NET ASSETS:                                                                                                  
   Beginning of year...............       306,388,412        289,271,341       491,684,512        499,123,184
                                    -----------------  -----------------  ----------------  -----------------
   End of year..................... $     314,115,956  $     306,388,412  $    609,640,874  $     491,684,512
                                    =================  =================  ================  =================


                                                  BHFTII                                                     
                                      T. ROWE PRICE SMALL CAP GROWTH                                         
                                                 DIVISION                                                    
                                    ----------------------------------                                       
                                          2017              2016                                             
                                    ----------------  ----------------                                       
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $    (4,623,495)  $    (4,299,950)                                       
   Net realized gains (losses).....       39,161,019        60,722,602                                       
   Change in unrealized gains                                                                                
     (losses) on investments.......       50,456,480      (17,690,211)                                       
                                    ----------------  ----------------                                       
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       84,994,004        38,732,441                                       
                                    ----------------  ----------------                                       
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........        9,518,108        15,015,380                                       
   Net transfers (including fixed                                                                            
     account)......................        3,554,656      (14,137,525)                                       
   Contract charges................      (1,199,696)       (1,170,760)                                       
   Transfers for Contract benefits                                                                           
     and terminations..............     (42,605,162)      (30,916,455)                                       
                                    ----------------  ----------------                                       
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (30,732,094)      (31,209,360)                                       
                                    ----------------  ----------------                                       
     Net increase (decrease)                                                                                 
        in net assets..............       54,261,910         7,523,081                                       
NET ASSETS:                                                                                                  
   Beginning of year...............      412,938,416       405,415,335                                       
                                    ----------------  ----------------                                       
   End of year..................... $    467,200,326  $    412,938,416                                       
                                    ================  ================                                       

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                                    BHFTII                   BHFTII WESTERN ASSET MANAGEMENT   
                                       VAN ECK GLOBAL NATURAL RESOURCES       STRATEGIC BOND OPPORTUNITIES     
                                                   DIVISION                             DIVISION               
                                     ------------------------------------  ------------------------------------
                                            2017               2016              2017               2016       
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       (430,265)  $       (238,249)  $      13,458,730  $       3,058,942
   Net realized gains (losses)......         (798,339)        (3,592,536)          4,574,266          1,725,286
   Change in unrealized gains                                                                                  
     (losses) on investments........         1,025,927         17,155,629         16,325,415         21,475,786
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............         (202,677)         13,324,844         34,358,411         26,260,014
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           201,815            366,448          7,736,409          8,776,731
   Net transfers (including fixed                                                                              
     account).......................         5,504,707        (7,249,307)          7,271,506        361,370,309
   Contract charges.................         (393,637)          (451,881)        (2,092,968)        (1,688,818)
   Transfers for Contract benefits                                                                             
     and terminations...............       (3,432,665)        (2,040,187)       (68,874,992)       (48,101,256)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......         1,880,220        (9,374,927)       (55,960,045)        320,356,966
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............         1,677,543          3,949,917       (21,601,634)        346,616,980
NET ASSETS:                                                                                                    
   Beginning of year................        35,592,317         31,642,400        535,867,222        189,250,242
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $      37,269,860  $      35,592,317  $     514,265,588  $     535,867,222
                                     =================  =================  =================  =================


                                            BHFTII WESTERN ASSET                                               
                                         MANAGEMENT U.S. GOVERNMENT          BLACKROCK GLOBAL ALLOCATION V.I.  
                                                  DIVISION                               DIVISION              
                                     ------------------------------------  ------------------------------------
                                           2017               2016                2017               2016      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       1,967,595  $       1,996,600  $         (3,923)  $           (939)
   Net realized gains (losses)......         (544,768)          (214,149)              9,227            (1,689)
   Change in unrealized gains                                                                                  
     (losses) on investments........         (649,450)        (1,988,491)             40,371             13,608
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............           773,377          (206,040)             45,675             10,980
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         2,098,063          3,729,668                 --                 --
   Net transfers (including fixed                                                                              
     account).......................        11,624,638          6,037,912             52,415             26,937
   Contract charges.................         (906,327)          (964,754)                (3)                (3)
   Transfers for Contract benefits                                                                             
     and terminations...............      (21,317,804)       (20,342,372)          (523,165)            (6,006)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (8,501,430)       (11,539,546)          (470,753)             20,928
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............       (7,728,053)       (11,745,586)          (425,078)             31,908
NET ASSETS:                                                                                                    
   Beginning of year................       167,406,266        179,151,852            521,354            489,446
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     159,678,213  $     167,406,266  $          96,276  $         521,354
                                     =================  =================  =================  =================



                                            CALVERT VP SRI BALANCED             CALVERT VP SRI MID CAP         
                                                   DIVISION                            DIVISION                
                                     -----------------------------------  ------------------------------------ 
                                            2017              2016              2017               2016        
                                     -----------------  ----------------  -----------------  ----------------- 
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $         427,146  $        352,364  $        (28,270)  $       (101,540) 
   Net realized gains (losses)......         1,402,624         1,912,070             43,582          1,471,575 
   Change in unrealized gains                                                                                  
     (losses) on investments........         3,490,565         1,102,605            924,637          (754,187) 
                                     -----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............         5,320,335         3,367,039            939,949            615,848 
                                     -----------------  ----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         1,522,145         1,973,613            270,196            481,152 
   Net transfers (including fixed                                                                              
     account).......................         (613,174)       (1,075,418)            249,644          (698,624) 
   Contract charges.................          (20,392)          (21,272)              (862)            (1,267) 
   Transfers for Contract benefits                                                                             
     and terminations...............       (6,924,098)       (4,966,419)        (2,848,236)        (1,866,512) 
                                     -----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (6,035,519)       (4,089,496)        (2,329,258)        (2,085,251) 
                                     -----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                   
        in net assets...............         (715,184)         (722,457)        (1,389,309)        (1,469,403) 
NET ASSETS:                                                                                                    
   Beginning of year................        52,584,587        53,307,044         10,134,827         11,604,230 
                                     -----------------  ----------------  -----------------  ----------------- 
   End of year...................... $      51,869,403  $     52,584,587  $       8,745,518  $      10,134,827 
                                     =================  ================  =================  ================= 



                                        DELAWARE VIP SMALL CAP VALUE                                           
                                                  DIVISION                                                     
                                     ------------------------------------                                      
                                           2017              2016 (a)                                          
                                     -----------------  -----------------                                      
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $              21  $            (61)                                      
   Net realized gains (losses)......             4,018              1,192                                      
   Change in unrealized gains                                                                                  
     (losses) on investments........           (1,043)              4,722                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............             2,996              5,853                                      
                                     -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........             4,828             33,324                                      
   Net transfers (including fixed                                                                              
     account).......................               658            (2,776)                                      
   Contract charges.................                --                 --                                      
   Transfers for Contract benefits                                                                             
     and terminations...............          (20,955)            (1,918)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......          (15,469)             28,630                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets...............          (12,473)             34,483                                      
NET ASSETS:                                                                                                    
   Beginning of year................            34,483                 --                                      
                                     -----------------  -----------------                                      
   End of year...................... $          22,010  $          34,483                                      
                                     =================  =================                                      

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                           FIDELITY VIP CONTRAFUND              FIDELITY VIP EQUITY-INCOME      
                                                  DIVISION                               DIVISION               
                                    -------------------------------------  -------------------------------------
                                          2017                2016                2017                2016      
                                    -----------------  ------------------  ------------------  -----------------
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)...  $         (2,290)  $            1,517  $          507,075  $         970,327
   Net realized gains (losses)....            130,198               1,595           2,148,956          4,199,930
   Change in unrealized gains                                                                                   
      (losses) on investments.....             67,138              59,258           6,057,345          6,901,929
                                    -----------------  ------------------  ------------------  -----------------
      Net increase (decrease)                                                                                   
        in net assets resulting                                                                                 
        from operations...........            195,046              62,370           8,713,376         12,072,186
                                    -----------------  ------------------  ------------------  -----------------
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
      from Contract owners........             99,714           1,119,566           1,035,049          1,396,420
   Net transfers (including fixed                                                                               
      account)....................           (24,596)              13,802           (883,859)        (1,162,966)
   Contract charges...............               (29)                (13)            (10,633)           (11,791)
   Transfers for Contract benefits                                                                              
      and terminations............          (671,037)             (7,012)        (11,275,305)        (9,227,552)
                                    -----------------  ------------------  ------------------  -----------------
      Net increase (decrease) in                                                                                
        net assets resulting from                                                                               
        Contract transactions.....          (595,948)           1,126,343        (11,134,748)        (9,005,889)
                                    -----------------  ------------------  ------------------  -----------------
      Net increase (decrease)                                                                                   
        in net assets.............          (400,902)           1,188,713         (2,421,372)          3,066,297
NET ASSETS:                                                                                                     
   Beginning of year..............          1,206,624              17,911          80,761,382         77,695,085
                                    -----------------  ------------------  ------------------  -----------------
   End of year....................  $         805,722  $        1,206,624  $       78,340,010  $      80,761,382
                                    =================  ==================  ==================  =================


                                          FIDELITY VIP FREEDOM 2020              FIDELITY VIP FREEDOM 2025      
                                                  DIVISION                               DIVISION               
                                    -------------------------------------  ------------------------------------ 
                                          2017              2016 (c)              2017             2016 (c)     
                                    -----------------  ------------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)...  $           3,420  $           14,801  $           (344)  $          13,238 
   Net realized gains (losses)....             88,905               2,429            120,259              1,689 
   Change in unrealized gains                                                                                   
      (losses) on investments.....            100,067              13,029             67,331             18,121 
                                    -----------------  ------------------  -----------------  ----------------- 
      Net increase (decrease)                                                                                   
        in net assets resulting                                                                                 
        from operations...........            192,392              30,259            187,246             33,048 
                                    -----------------  ------------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
      from Contract owners........            518,803           1,719,229            359,080          1,427,447 
   Net transfers (including fixed                                                                               
      account)....................           (27,656)            (38,374)            221,347            (6,869) 
   Contract charges...............                 --                  --               (15)                 -- 
   Transfers for Contract benefits                                                                              
      and terminations............        (1,139,402)                  --        (1,402,284)                 -- 
                                    -----------------  ------------------  -----------------  ----------------- 
      Net increase (decrease) in                                                                                
        net assets resulting from                                                                               
        Contract transactions.....          (648,255)           1,680,855          (821,872)          1,420,578 
                                    -----------------  ------------------  -----------------  ----------------- 
      Net increase (decrease)                                                                                   
        in net assets.............          (455,863)           1,711,114          (634,626)          1,453,626 
NET ASSETS:                                                                                                     
   Beginning of year..............          1,711,114                  --          1,453,626                 -- 
                                    -----------------  ------------------  -----------------  ----------------- 
   End of year....................  $       1,255,251  $        1,711,114  $         819,000  $       1,453,626 
                                    =================  ==================  =================  ================= 


                                           FIDELITY VIP FREEDOM 2030              FIDELITY VIP FREEDOM 2040     
                                                   DIVISION                               DIVISION              
                                    --------------------------------------  ------------------------------------
                                           2017              2016 (c)              2017            2016 (c)     
                                    ------------------  ------------------  -----------------  -----------------
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)...  $            2,295  $           18,014  $             612  $           1,281
   Net realized gains (losses)....             264,577               2,335             20,276                427
   Change in unrealized gains                                                                                   
      (losses) on investments.....             341,834              29,909             67,940              4,368
                                    ------------------  ------------------  -----------------  -----------------
      Net increase (decrease)                                                                                   
        in net assets resulting                                                                                 
        from operations...........             608,706              50,258             88,828              6,076
                                    ------------------  ------------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
      from Contract owners........           2,090,378           2,046,134            358,332            189,991
   Net transfers (including fixed                                                                               
      account)....................             (3,536)            (13,114)            (2,632)           (11,793)
   Contract charges...............                 (3)                  --                (5)                 --
   Transfers for Contract benefits                                                                              
      and terminations............         (1,756,313)             (1,337)           (94,333)                 --
                                    ------------------  ------------------  -----------------  -----------------
      Net increase (decrease) in                                                                                
        net assets resulting from                                                                               
        Contract transactions.....             330,526           2,031,683            261,362            178,198
                                    ------------------  ------------------  -----------------  -----------------
      Net increase (decrease)                                                                                   
        in net assets.............             939,232           2,081,941            350,190            184,274
NET ASSETS:                                                                                                     
   Beginning of year..............           2,081,941                  --            184,274                 --
                                    ------------------  ------------------  -----------------  -----------------
   End of year....................  $        3,021,173  $        2,081,941  $         534,464  $         184,274
                                    ==================  ==================  =================  =================


                                           FIDELITY VIP FREEDOM 2050                                            
                                                   DIVISION                                                     
                                    --------------------------------------                                      
                                           2017              2016 (c)                                           
                                    ------------------  ------------------                                      
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)...  $              422  $              951                                      
   Net realized gains (losses)....              15,025                 462                                      
   Change in unrealized gains                                                                                   
      (losses) on investments.....              27,522               5,707                                      
                                    ------------------  ------------------                                      
      Net increase (decrease)                                                                                   
        in net assets resulting                                                                                 
        from operations...........              42,969               7,120                                      
                                    ------------------  ------------------                                      
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
      from Contract owners........             172,611             148,581                                      
   Net transfers (including fixed                                                                               
      account)....................            (18,181)               8,837                                      
   Contract charges...............                  --                  --                                      
   Transfers for Contract benefits                                                                              
      and terminations............            (91,183)            (17,136)                                      
                                    ------------------  ------------------                                      
      Net increase (decrease) in                                                                                
        net assets resulting from                                                                               
        Contract transactions.....              63,247             140,282                                      
                                    ------------------  ------------------                                      
      Net increase (decrease)                                                                                   
        in net assets.............             106,216             147,402                                      
NET ASSETS:                                                                                                     
   Beginning of year..............             147,402                  --                                      
                                    ------------------  ------------------                                      
   End of year....................  $          253,618  $          147,402                                      
                                    ==================  ==================                                      

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]


                                         FIDELITY VIP FUNDSMANAGER 50%         FIDELITY VIP FUNDSMANAGER 60%   
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2017               2016               2017               2016      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $     (2,467,365)  $     (2,098,264)  $     (2,575,304)  $     (2,171,595)
   Net realized gains (losses)......         3,985,124          4,256,022         12,885,269         12,893,547
   Change in unrealized gains                                                                                  
     (losses) on investments........        34,017,799          4,791,157         29,289,392        (2,493,364)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............        35,535,558          6,948,915         39,599,357          8,228,588
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........            72,753            444,788            345,604          2,150,312
   Net transfers (including fixed                                                                              
     account).......................                --         14,243,873                 --                 --
   Contract charges.................                --                 --                 --                 --
   Transfers for Contract benefits                                                                             
     and terminations...............      (16,483,915)       (15,581,770)       (39,688,857)       (26,318,943)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (16,411,162)          (893,109)       (39,343,253)       (24,168,631)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............        19,124,396          6,055,806            256,104       (15,940,043)
NET ASSETS:                                                                                                    
   Beginning of year................       296,580,947        290,525,141        286,717,673        302,657,716
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     315,705,343  $     296,580,947  $     286,973,777  $     286,717,673
                                     =================  =================  =================  =================


                                                 FIDELITY VIP                                                  
                                            GOVERNMENT MONEY MARKET                 FIDELITY VIP GROWTH        
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2017               2016               2017               2016      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $        (15,926)  $        (56,471)  $       (678,855)  $       (801,329)
   Net realized gains (losses)......                --                 --         11,702,690         12,190,827
   Change in unrealized gains                                                                                  
     (losses) on investments........                --                 --         15,803,560       (11,736,707)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............          (15,926)           (56,471)         26,827,395          (347,209)
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           358,961         13,195,195          1,014,660          1,589,828
   Net transfers (including fixed                                                                              
     account).......................          (63,710)       (12,231,606)          (658,702)        (3,488,706)
   Contract charges.................                --                 --            (1,825)            (2,764)
   Transfers for Contract benefits                                                                             
     and terminations...............       (1,392,372)        (2,865,610)       (12,406,063)        (9,199,470)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (1,097,121)        (1,902,021)       (12,051,930)       (11,101,112)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............       (1,113,047)        (1,958,492)         14,775,465       (11,448,321)
NET ASSETS:                                                                                                    
   Beginning of year................         6,122,223          8,080,715         83,862,383         95,310,704
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $       5,009,176  $       6,122,223  $      98,637,848  $      83,862,383
                                     =================  =================  =================  =================



                                      FIDELITY VIP INVESTMENT GRADE BOND          FIDELITY VIP MID CAP         
                                                   DIVISION                             DIVISION               
                                     -----------------------------------  -----------------------------------  
                                            2017              2016               2017            2016 (a)      
                                     -----------------  ----------------  -----------------  ----------------  
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $         149,417  $        170,815  $         (2,655)  $        (1,186)  
   Net realized gains (losses)......            55,597            23,502             43,722               134  
   Change in unrealized gains                                                                                  
     (losses) on investments........           167,272           324,341             74,905            47,813  
                                     -----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............           372,286           518,658            115,972            46,761  
                                     -----------------  ----------------  -----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           359,045           583,537             46,181           602,766  
   Net transfers (including fixed                                                                              
     account).......................           406,064         (279,070)            (4,218)             1,308  
   Contract charges.................             (474)             (562)                (2)                --  
   Transfers for Contract benefits                                                                             
     and terminations...............       (3,261,495)       (2,301,757)          (130,255)           (1,639)  
                                     -----------------  ----------------  -----------------  ----------------  
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (2,496,860)       (1,997,852)           (88,294)           602,435  
                                     -----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                   
        in net assets...............       (2,124,574)       (1,479,194)             27,678           649,196  
NET ASSETS:                                                                                                    
   Beginning of year................        12,364,481        13,843,675            649,196                --  
                                     -----------------  ----------------  -----------------  ----------------  
   End of year...................... $      10,239,907  $     12,364,481  $         676,874  $        649,196  
                                     =================  ================  =================  ================  


                                              FTVIPT TEMPLETON                                                 
                                           DEVELOPING MARKETS VIP                                              
                                                  DIVISION                                                     
                                     -----------------------------------                                       
                                           2017            2016 (a)                                            
                                     ----------------  -----------------                                       
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $            298  $             281                                       
   Net realized gains (losses)......           38,407              1,507                                       
   Change in unrealized gains                                                                                  
     (losses) on investments........           23,352             18,684                                       
                                     ----------------  -----------------                                       
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............           62,057             20,472                                       
                                     ----------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........            6,955            212,047                                       
   Net transfers (including fixed                                                                              
     account).......................           20,568           (11,321)                                       
   Contract charges.................               --                 --                                       
   Transfers for Contract benefits                                                                             
     and terminations...............        (157,868)                 --                                       
                                     ----------------  -----------------                                       
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......        (130,345)            200,726                                       
                                     ----------------  -----------------                                       
     Net increase (decrease)                                                                                   
        in net assets...............         (68,288)            221,198                                       
NET ASSETS:                                                                                                    
   Beginning of year................          221,198                 --                                       
                                     ----------------  -----------------                                       
   End of year...................... $        152,910  $         221,198                                       
                                     ================  =================                                       

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]


                                         FTVIPT TEMPLETON FOREIGN VIP             IVY VIP ASSET STRATEGY        
                                                   DIVISION                              DIVISION               
                                     ------------------------------------  ------------------------------------ 
                                           2017              2016 (a)             2017              2016        
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $              27  $              10  $               9  $            (19) 
   Net realized gains (losses)......               209                 16               (67)              (157) 
   Change in unrealized gains                                                                                   
     (losses) on investments........                12                 42                477                 64 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............               248                 68                419              (112) 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........             2,536              1,447                 --                 -- 
   Net transfers (including fixed                                                                               
     account).......................                --                416                 14                281 
   Contract charges.................               (1)                 --                 --                 -- 
   Transfers for Contract benefits                                                                              
     and terminations...............           (3,447)              (541)              (256)              (401) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......             (912)              1,322              (242)              (120) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............             (664)              1,390                177              (232) 
NET ASSETS:                                                                                                     
   Beginning of year................             1,390                 --              2,650              2,882 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $             726  $           1,390  $           2,827  $           2,650 
                                     =================  =================  =================  ================= 


                                                                                          LMPVET                
                                          JANUS HENDERSON ENTERPRISE         CLEARBRIDGE VARIABLE APPRECIATION  
                                                   DIVISION                              DIVISION               
                                     ------------------------------------  -------------------------------------
                                            2017             2016 (a)             2017             2016 (a)     
                                     -----------------  -----------------  ------------------  -----------------
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $         (1,501)  $           (579)  $              163  $             263
   Net realized gains (losses)......            26,483                529               1,638                658
   Change in unrealized gains                                                                                   
     (losses) on investments........            20,550              3,210               5,404                542
                                     -----------------  -----------------  ------------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............            45,532              3,160               7,205              1,463
                                     -----------------  -----------------  ------------------  -----------------
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........            17,548            245,291              10,021             31,526
   Net transfers (including fixed                                                                               
     account).......................          (10,844)                402               (782)              (870)
   Contract charges.................                --                 --                  --                 --
   Transfers for Contract benefits                                                                              
     and terminations...............         (150,208)            (1,089)               (134)                 --
                                     -----------------  -----------------  ------------------  -----------------
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......         (143,504)            244,604               9,105             30,656
                                     -----------------  -----------------  ------------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets...............          (97,972)            247,764              16,310             32,119
NET ASSETS:                                                                                                     
   Beginning of year................           247,764                 --              32,119                 --
                                     -----------------  -----------------  ------------------  -----------------
   End of year...................... $         149,792  $         247,764  $           48,429  $          32,119
                                     =================  =================  ==================  =================


                                              LMPVET CLEARBRIDGE                    LMPVET CLEARBRIDGE          
                                          VARIABLE DIVIDEND STRATEGY             VARIABLE LARGE CAP GROWTH      
                                                   DIVISION                              DIVISION               
                                     -------------------------------------  ------------------------------------
                                            2017             2016 (a)             2017              2016 (a)    
                                     -----------------  ------------------  -----------------  -----------------
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $             404  $              632  $         (3,878)  $             256
   Net realized gains (losses)......               962                  11             41,524             51,392
   Change in unrealized gains                                                                                   
     (losses) on investments........             9,356               4,421             83,444           (25,223)
                                     -----------------  ------------------  -----------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............            10,722               5,064            121,090             26,425
                                     -----------------  ------------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........             2,658              59,736             92,127            671,030
   Net transfers (including fixed                                                                               
     account).......................          (10,215)               1,636            (1,137)                 42
   Contract charges.................                --                  --                 --                 --
   Transfers for Contract benefits                                                                              
     and terminations...............               (2)                 (3)          (396,623)            (3,966)
                                     -----------------  ------------------  -----------------  -----------------
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......           (7,559)              61,369          (305,633)            667,106
                                     -----------------  ------------------  -----------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets...............             3,163              66,433          (184,543)            693,531
NET ASSETS:                                                                                                     
   Beginning of year................            66,433                  --            693,531                 --
                                     -----------------  ------------------  -----------------  -----------------
   End of year...................... $          69,596  $           66,433  $         508,988  $         693,531
                                     =================  ==================  =================  =================


                                              LMPVET CLEARBRIDGE                                                
                                           VARIABLE SMALL CAP GROWTH                                            
                                                   DIVISION                                                     
                                     ------------------------------------                                       
                                            2017            2016 (a)                                            
                                     -----------------  -----------------                                       
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $           (292)  $           (142)                                       
   Net realized gains (losses)......             3,756                875                                       
   Change in unrealized gains                                                                                   
     (losses) on investments........             3,359              1,875                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............             6,823              2,608                                       
                                     -----------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........             2,472             38,048                                       
   Net transfers (including fixed                                                                               
     account).......................               677                587                                       
   Contract charges.................                --                 --                                       
   Transfers for Contract benefits                                                                              
     and terminations...............          (23,739)               (37)                                       
                                     -----------------  -----------------                                       
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......          (20,590)             38,598                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets...............          (13,767)             41,206                                       
NET ASSETS:                                                                                                     
   Beginning of year................            41,206                 --                                       
                                     -----------------  -----------------                                       
   End of year...................... $          27,439  $          41,206                                       
                                     =================  =================                                       

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONCLUDED)    
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016    

                                                        [Enlarge/Download Table]

                                                                                                                  OPPENHEIMER   
                                                                                                                    GLOBAL      
                                                                                   MORGAN STANLEY             MULTI-ALTERNATIVES
                                      LMPVIT WESTERN ASSET CORE PLUS          VIF GLOBAL INFRASTRUCTURE             FUND/VA     
                                                 DIVISION                             DIVISION                     DIVISION     
                                    -----------------------------------  -----------------------------------  ------------------
                                          2017             2016 (a)            2017               2016             2017 (d)     
                                    -----------------  ----------------  ----------------  -----------------   -----------------
                                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                                              
FROM OPERATIONS:                                                                                                                
   Net investment income (loss)...  $           3,569  $          2,795  $            578  $             278   $            (78)
   Net realized gains (losses)....              (476)              (54)             2,991              (974)                  --
   Change in unrealized gains                                                                                                   
     (losses) on investments......              3,912           (5,731)             3,316              6,900                (97)
                                    -----------------  ----------------  ----------------  -----------------   -----------------
     Net increase (decrease)                                                                                                    
        in net assets resulting                                                                                                 
        from operations...........              7,005           (2,990)             6,885              6,204               (175)
                                    -----------------  ----------------  ----------------  -----------------   -----------------
CONTRACT TRANSACTIONS:                                                                                                          
   Purchase payments received                                                                                                   
     from Contract owners.........             42,729           173,678                --              7,105                  --
   Net transfers (including fixed                                                                                               
     account).....................             13,534           (3,551)             6,491            (2,927)              15,885
   Contract charges...............                 --                --              (26)               (18)                 (3)
   Transfers for Contract benefits                                                                                              
     and terminations.............          (123,779)           (1,811)           (1,590)           (18,480)                 (2)
                                    -----------------  ----------------  ----------------  -----------------   -----------------
     Net increase (decrease) in                                                                                                 
        net assets resulting from                                                                                               
        Contract transactions.....           (67,516)           168,316             4,875           (14,320)              15,880
                                    -----------------  ----------------  ----------------  -----------------   -----------------
     Net increase (decrease)                                                                                                    
        in net assets.............           (60,511)           165,326            11,760            (8,116)              15,705
NET ASSETS:                                                                                                                     
   Beginning of year..............            165,326                --            49,884             58,000                  --
                                    -----------------  ----------------  ----------------  -----------------   -----------------
   End of year....................  $         104,815  $        165,326  $         61,644  $          49,884   $          15,705
                                    =================  ================  ================  =================   =================



                                                 PIMCO VIT                           PIMCO VIT                                  
                                       COMMODITYREALRETURN STRATEGY            EMERGING MARKETS BOND                            
                                                 DIVISION                            DIVISION                                   
                                    ----------------------------------  ------------------------------------                    
                                          2017              2016               2017              2016                           
                                    ----------------  ----------------  -----------------  -----------------                    
                                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                                              
FROM OPERATIONS:                                                                                                                
   Net investment income (loss)...  $          4,716  $          (258)  $           2,431  $           3,757                    
   Net realized gains (losses)....           (2,033)           (1,894)                499            (3,352)                    
   Change in unrealized gains                                                                                                   
     (losses) on investments......           (1,763)             7,512              2,731              4,131                    
                                    ----------------  ----------------  -----------------  -----------------                    
     Net increase (decrease)                                                                                                    
        in net assets resulting                                                                                                 
        from operations...........               920             5,360              5,661              4,536                    
                                    ----------------  ----------------  -----------------  -----------------                    
CONTRACT TRANSACTIONS:                                                                                                          
   Purchase payments received                                                                                                   
     from Contract owners.........                --             4,208                 --              7,049                    
   Net transfers (including fixed                                                                                               
     account).....................            11,449             (601)           (16,605)              6,927                    
   Contract charges...............              (12)              (11)               (16)               (10)                    
   Transfers for Contract benefits                                                                                              
     and terminations.............          (11,873)           (3,430)            (1,341)            (2,938)                    
                                    ----------------  ----------------  -----------------  -----------------                    
     Net increase (decrease) in                                                                                                 
        net assets resulting from                                                                                               
        Contract transactions.....             (436)               166           (17,962)             11,028                    
                                    ----------------  ----------------  -----------------  -----------------                    
     Net increase (decrease)                                                                                                    
        in net assets.............               484             5,526           (12,301)             15,564                    
NET ASSETS:                                                                                                                     
   Beginning of year..............            49,401            43,875             83,339             67,775                    
                                    ----------------  ----------------  -----------------  -----------------                    
   End of year....................  $         49,885  $         49,401  $          71,038  $          83,339                    
                                    ================  ================  =================  =================                    



                                                                                  TAP 1919 VARIABLE                             
                                       PIMCO VIT UNCONSTRAINED BOND         SOCIALLY RESPONSIVE BALANCED                        
                                                 DIVISION                             DIVISION                                  
                                    ----------------------------------  ------------------------------------                    
                                          2017              2016               2017               2016                          
                                    ----------------  ----------------  -----------------  -----------------                    
                                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                                              
FROM OPERATIONS:                                                                                                                
   Net investment income (loss)...  $             57  $             41  $              88  $              30                    
   Net realized gains (losses)....               193             (570)              1,910                438                    
   Change in unrealized gains                                                                                                   
     (losses) on investments......             3,635             3,819                981              (238)                    
                                    ----------------  ----------------  -----------------  -----------------                    
     Net increase (decrease)                                                                                                    
        in net assets resulting                                                                                                 
        from operations...........             3,885             3,290              2,979                230                    
                                    ----------------  ----------------  -----------------  -----------------                    
CONTRACT TRANSACTIONS:                                                                                                          
   Purchase payments received                                                                                                   
     from Contract owners.........                --             1,966             14,689              5,295                    
   Net transfers (including fixed                                                                                               
     account).....................             8,643            45,786              3,804                 61                    
   Contract charges...............              (10)              (12)                (1)                (1)                    
   Transfers for Contract benefits                                                                                              
     and terminations.............           (3,338)           (2,546)            (4,947)               (95)                    
                                    ----------------  ----------------  -----------------  -----------------                    
     Net increase (decrease) in                                                                                                 
        net assets resulting from                                                                                               
        Contract transactions.....             5,295            45,194             13,545              5,260                    
                                    ----------------  ----------------  -----------------  -----------------                    
     Net increase (decrease)                                                                                                    
        in net assets.............             9,180            48,484             16,524              5,490                    
NET ASSETS:                                                                                                                     
   Beginning of year..............           111,866            63,382              7,602              2,112                    
                                    ----------------  ----------------  -----------------  -----------------                    
   End of year....................  $        121,046  $        111,866  $          24,126  $           7,602                    
                                    ================  ================  =================  =================                    

(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

The accompanying notes are an integral part of these financial statements.    

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METROPOLITAN LIFE SEPARATE ACCOUNT E                
OF METROPOLITAN LIFE INSURANCE COMPANY                
NOTES TO THE FINANCIAL STATEMENTS               

1.  ORGANIZATION                                                                

Metropolitan Life Separate Account E (the "Separate Account"), a separate       
account of Metropolitan Life Insurance Company (the "Company"), was established 
by the Company's Board of Directors on September 27, 1983 to support operations 
of the Company with respect to certain variable annuity contracts (the          
"Contracts"). The Company is a direct wholly-owned subsidiary of MetLife, Inc., 
a Delaware corporation. The Separate Account is registered as a unit investment 
trust under the Investment Company Act of 1940, as amended, and exists in       
accordance with the regulations of the New York State Department of Financial   
Services.                                                                       

The Separate Account is divided into Divisions (the prospectus and the Contract 
may refer to a Division as an "Investment Division"), each of which is treated  
as an individual accounting entity for financial reporting purposes. Each       
Division invests in shares of the corresponding fund, series, or portfolio      
(with the same name) of registered investment management companies (the         
"Trusts"), which are presented below:                                           

                                                        [Enlarge/Download Table]
                                                                                                   
American Funds Insurance Series ("American Funds")     Legg Mason Partners Variable Equity Trust   
Blackrock Variable Series Funds, Inc. ("BlackRock")      ("LMPVET")                                
Brighthouse Funds Trust I ("BHFTI")                    Legg Mason Partners Variable Income Trust   
Brighthouse Funds Trust II ("BHFTII")                    ("LMPVIT")                                
Calvert Variable Series, Inc. ("Calvert")              Morgan Stanley Variable Insurance Fund, Inc.
Delaware VIP Trust ("Delaware VIP")                      ("Morgan Stanley VIF")                    
Fidelity Variable Insurance Products ("Fidelity VIP")  Oppenheimer Variable Account Funds          
Franklin Templeton Variable Insurance Products Trust     ("Oppenheimer VA")                        
   ("FTVIPT")                                          PIMCO Variable Insurance Trust ("PIMCO VIT")
Ivy Variable Insurance Portfolios ("Ivy VIP")          Trust for Advised Portfolios ("TAP")        
Janus Aspen Series ("Janus Aspen")                                                                 

The assets of each of the Divisions of the Separate Account are registered in   
the name of the Company. Under applicable insurance law, the assets and         
liabilities of the Separate Account are clearly identified and distinguished    
from the Company's other assets and liabilities. The portion of the Separate    
Account's assets applicable to the Contracts cannot be used for liabilities     
arising out of any other business conducted by the Company.                     

2.  LIST OF DIVISIONS                                                           

Purchase payments, less any applicable charges, applied to the Separate Account 
are invested in one or more Divisions in accordance with the selection made by  
the Contract owner. The following Divisions had net assets as of December 31,   
2017:                                                                           

                                                        [Enlarge/Download Table]
                                                                                                            
American Funds Bond Division                             BHFTI Brighthouse Asset Allocation 100 Division (a)
American Funds Global Growth Division                    BHFTI Brighthouse Balanced Plus Division           
American Funds Global Small Capitalization Division (a)  BHFTI Brighthouse Small Cap Value Division         
American Funds Growth Division                           BHFTI Brighthouse/Aberdeen Emerging Markets        
American Funds Growth-Income Division                      Equity Division (a)                              
BHFTI AB Global Dynamic Allocation Division              BHFTI Brighthouse/Artisan International Division   
BHFTI Allianz Global Investors Dynamic Multi-Asset       BHFTI Brighthouse/Eaton Vance Floating Rate        
   Plus Division                                           Division                                         
BHFTI American Funds Balanced Allocation Division (a)    BHFTI Brighthouse/Franklin Low Duration Total      
BHFTI American Funds Growth Allocation Division (a)        Return Division                                  
BHFTI American Funds Growth Division                     BHFTI Brighthouse/Templeton International Bond     
BHFTI American Funds Moderate Allocation Division (a)      Division                                         
BHFTI AQR Global Risk Balanced Division                  BHFTI Brighthouse/Wellington Large Cap Research    
BHFTI BlackRock Global Tactical Strategies Division        Division (a)                                     
BHFTI BlackRock High Yield Division (a)                  BHFTI Clarion Global Real Estate Division (a)      

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2.  LIST OF DIVISIONS -- (CONCLUDED)                                            

                                                        [Enlarge/Download Table]
                                                                                                                
BHFTI ClearBridge Aggressive Growth Division (a)         BHFTII MetLife Stock Index Division (a)                
BHFTI Harris Oakmark International Division (a)          BHFTII MFS Total Return Division (a)                   
BHFTI Invesco Balanced-Risk Allocation Division          BHFTII MFS Value Division (a)                          
BHFTI Invesco Comstock Division                          BHFTII MFS Value II Division (a)                       
BHFTI Invesco Small Cap Growth Division (a)              BHFTII Neuberger Berman Genesis Division (a)           
BHFTI JPMorgan Core Bond Division                        BHFTII T. Rowe Price Large Cap Growth Division (a)     
BHFTI JPMorgan Global Active Allocation Division         BHFTII T. Rowe Price Small Cap Growth Division (a)     
BHFTI JPMorgan Small Cap Value Division (a)              BHFTII VanEck Global Natural Resources Division        
BHFTI Loomis Sayles Global Markets Division              BHFTII Western Asset Management Strategic Bond         
BHFTI MetLife Multi-Index Targeted Risk Division           Opportunities Division (a)                           
BHFTI MFS Research International Division (a)            BHFTII Western Asset Management U.S. Government        
BHFTI Morgan Stanley Mid Cap Growth Division (a)           Division (a)                                         
BHFTI Oppenheimer Global Equity Division (a)             BlackRock Global Allocation V.I. Division              
BHFTI PanAgora Global Diversified Risk Division          Calvert VP SRI Balanced Division                       
BHFTI PIMCO Inflation Protected Bond Division (a)        Calvert VP SRI Mid Cap Division                        
BHFTI PIMCO Total Return Division (a)                    Delaware VIP Small Cap Value Division                  
BHFTI Pyramis Government Income Division                 Fidelity VIP Contrafund Division                       
BHFTI Schroders Global Multi-Asset Division              Fidelity VIP Equity-Income Division                    
BHFTI Schroders Global Multi-Asset II Division           Fidelity VIP Freedom 2020 Division                     
BHFTI SSGA Growth and Income ETF Division (a)            Fidelity VIP Freedom 2025 Division                     
BHFTI SSGA Growth ETF Division (a)                       Fidelity VIP Freedom 2030 Division                     
BHFTI T. Rowe Price Large Cap Value Division             Fidelity VIP Freedom 2040 Division                     
BHFTI T. Rowe Price Mid Cap Growth Division (a)          Fidelity VIP Freedom 2050 Division                     
BHFTI TCW Core Fixed Income Division                     Fidelity VIP FundsManager 50% Division                 
BHFTI Victory Sycamore Mid Cap Value Division (a)        Fidelity VIP FundsManager 60% Division                 
BHFTI Wells Capital Management Mid Cap Value             Fidelity VIP Government Money Market Division          
   Division                                              Fidelity VIP Growth Division                           
BHFTII Baillie Gifford International Stock Division (a)  Fidelity VIP Investment Grade Bond Division            
BHFTII BlackRock Bond Income Division (a)                Fidelity VIP Mid Cap Division                          
BHFTII BlackRock Capital Appreciation Division (a)       FTVIPT Templeton Developing Markets VIP Division       
BHFTII BlackRock Ultra-Short Term Bond Division (a)      FTVIPT Templeton Foreign VIP Division                  
BHFTII Brighthouse Asset Allocation 20 Division (a)      Ivy VIP Asset Strategy Division                        
BHFTII Brighthouse Asset Allocation 40 Division (a)      Janus Henderson Enterprise Division                    
BHFTII Brighthouse Asset Allocation 60 Division (a)      LMPVET ClearBridge Variable Appreciation Division      
BHFTII Brighthouse Asset Allocation 80 Division (a)      LMPVET ClearBridge Variable Dividend Strategy          
BHFTII Brighthouse/Artisan Mid Cap Value Division (a)      Division                                             
BHFTII Brighthouse/Dimensional International Small       LMPVET ClearBridge Variable Large Cap Growth           
   Company Division                                        Division                                             
BHFTII Brighthouse/Wellington Balanced Division (a)      LMPVET ClearBridge Variable Small Cap Growth           
BHFTII Brighthouse/Wellington Core Equity                  Division                                             
   Opportunities Division (a)                            LMPVIT Western Asset Core Plus Division                
BHFTII Frontier Mid Cap Growth Division (a)              Morgan Stanley VIF Global Infrastructure Division      
BHFTII Jennison Growth Division (a)                      Oppenheimer Global Multi-Alternatives Fund/VA          
BHFTII Loomis Sayles Small Cap Core Division (a)           Division (b)                                         
BHFTII Loomis Sayles Small Cap Growth Division (a)       PIMCO VIT CommodityRealReturn Strategy Division        
BHFTII MetLife Aggregate Bond Index Division (a)         PIMCO VIT Emerging Markets Bond Division               
BHFTII MetLife Mid Cap Stock Index Division (a)          PIMCO VIT Unconstrained Bond Division                  
BHFTII MetLife MSCI EAFE Index Division (a)              TAP 1919 Variable Socially Responsive Balanced Division
BHFTII MetLife Russell 2000 Index Division (a)                                                                  

(a) This Division invests in two or more share classes within the underlying    
fund, series, or portfolio of the Trusts.                                       
(b) This Division began operations during the year ended December 31, 2017.     

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

3. PORTFOLIO CHANGES                                                            

The following Division ceased operations during the year ended December 31,     
2017:                                                                           

LMPVET EnTrustPermal Alternative Select VIT Division                            
VanEck VIP Long/Short Equity Index Division                                     

The operations of the Divisions were affected by the following changes that     
occurred during the year ended December 31, 2017:                               

TRUST NAME CHANGES:                                                             

                                                                [Download Table]
                                                                                    
Former Trust                            New Trust                                   

Met Investors Series Trust (MIST)       Brighthouse Funds Trust I (BHFTI)           
Metropolitan Series Fund (MSF)          Brighthouse Funds Trust II (BHFTII)         
The Universal Institutional Funds, Inc. Morgan Stanley Variable Insurance Fund, Inc.

NAME CHANGES:                                                                   

                                                        [Enlarge/Download Table]
                                                                                                        
Former Name                                         New Name                                            

(BHFTI) Goldman Sachs Mid Cap Value Portfolio       (BHFTI) Wells Capital Management Mid Cap Value      
                                                      Portfolio                                         
(BHFTI) Invesco Mid Cap Value Portfolio             (BHFTI) Victory Sycamore Mid Cap Value Portfolio    
(BHFTI) Pyramis Managed Risk Portfolio              (BHFTI) Schroeders Global Multi-Asset II Portfolio  
(BHFTII) BlackRock Large Cap Value Portfolio        (BHFTII) MFS Value II Portfolio                     
Calvert VP SRI Mid Cap Growth Portfolio             Calvert VP SRI Mid Cap Portfolio                    
Janus Aspen Enterprise Portfolio                    Janus Henderson Enterprise Portfolio                
(MIST) Met/Aberdeen Emerging Markets Equity         (BHFTI) Brighthouse/Aberdeen Emerging Markets       
   Portfolio                                          Equity Portfolio                                  
(MIST) Met/Artisan International Portfolio          (BHFTI) Brighthouse/Artisan International Portfolio 
(MIST) Met/Eaton Vance Floating Rate Portfolio      (BHFTI) Brighthouse/Eaton Vance Floating Rate       
                                                      Portfolio                                         
(MIST) Met/Franklin Low Duration Total Return       (BHFTI) Brighthouse/Franklin Low Duration Total     
   Portfolio                                          Return Portfolio                                  
(MIST) Met/Templeton International Bond Portfolio   (BHFTI) Brighthouse/Templeton International Bond    
                                                      Portfolio                                         
(MIST) Met/Wellington Large Cap Research Portfolio  (BHFTI) Brighthouse/Wellington Large Cap Research   
                                                      Portfolio                                         
(MIST) MetLife Asset Allocation 100 Portfolio       (BHFTI) Brighthouse Asset Allocation 100 Portfolio  
(MIST) MetLife Balanced Plus Portfolio              (BHFTI) Brighthouse Balanced Plus Portfolio         
(MIST) MetLife Small Cap Value Portfolio            (BHFTI) Brighthouse Small Cap Value Portfolio       
(MSF) Barclays Aggregate Bond Index Portfolio       (BHFTII) MetLife Aggregate Bond Index Portfolio     
(MSF) Met/Artisan Mid Cap Value Portfolio           (BHFTII) Brighthouse/Artisan Mid Cap Value Portfolio
(MSF) Met/Dimensional International Small Company   (BHFTII) Brighthouse/Dimensional International      
   Portfolio                                          Small Company Portfolio                           
(MSF) Met/Wellington Balanced Portfolio             (BHFTII) Brighthouse/Wellington Balanced Portfolio  
(MSF) Met/Wellington Core Equity Opportunities      (BHFTII) Brighthouse/Wellington Core Equity         
   Portfolio                                          Opportunities Portfolio                           
(MSF) MetLife Asset Allocation 20 Portfolio         (BHFTII) Brighthouse Asset Allocation 20 Portfolio  
(MSF) MetLife Asset Allocation 40 Portfolio         (BHFTII) Brighthouse Asset Allocation 40 Portfolio  
(MSF) MetLife Asset Allocation 60 Portfolio         (BHFTII) Brighthouse Asset Allocation 60 Portfolio  
(MSF) MetLife Asset Allocation 80 Portfolio         (BHFTII) Brighthouse Asset Allocation 80 Portfolio  
(MSF) MSCI EAFE(R) Index Portfolio                  (BHFTII) MetLife MSCI EAFE(R) Index Portfolio       
(MSF) Russell 2000(R) Index Portfolio               (BHFTII) MetLife Russell 2000(R) Index Portfolio    
(MSF) Van Eck Global Natural Resources Portfolio    (BHFTII) VanEck Global Natural Resources Portfolio  

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

3.  PORTFOLIO CHANGES -- (CONCLUDED)                                            

LIQUIDATION:                                                                    

EnTrustPermal Alternative Select VIT Portfolio                                  
VanEck VIP Long/Short Equity Index Fund                                         

4.  SIGNIFICANT ACCOUNTING POLICIES                                             

BASIS OF ACCOUNTING                                                             
The financial statements have been prepared in accordance with accounting       
principles generally accepted in the United States of America ("GAAP")          
applicable for variable annuity separate accounts registered as unit investment 
trusts, which follow the accounting and reporting guidance in Financial         
Accounting Standards Board ACCOUNTING STANDARDS CODIFICATION TOPIC 946,         
INVESTMENT COMPANIES.                                                           

SECURITY TRANSACTIONS                                                           
Security transactions are recorded on a trade date basis. Realized gains and    
losses on the sales of investments are computed on the basis of the average     
cost of the investment sold. Income from dividends and realized gain            
distributions are recorded on the ex-distribution date.                         

SECURITY VALUATION                                                              
A Division's investment in shares of a fund, series or portfolio of the Trusts  
is valued at fair value based on the closing net asset value ("NAV") or price   
per share as determined by the Trusts as of the end of the year. All changes in 
fair value are recorded as changes in unrealized gains (losses) on investments  
in the statements of operations of the applicable Divisions. The Separate       
Account defines fair value as the price that would be received to sell an asset 
or paid to transfer a liability (an exit price) in the principal or most        
advantageous market for the asset or liability in an orderly transaction        
between market participants on the measurement date. Each Division invests in   
shares of open-end mutual funds which calculate a daily NAV based on the fair   
value of the underlying securities in their portfolios. As a result, and as     
required by law, shares of open-end mutual funds are purchased and redeemed at  
their quoted daily NAV as reported by the Trusts at the close of each business  
day.                                                                            

FEDERAL INCOME TAXES                                                            
The operations of the Separate Account form a part of the total operations of   
the Company and are not taxed separately. The Company is taxed as a life        
insurance company under the provisions of the Internal Revenue Code ("IRC").    
Under the current provisions of the IRC, the Company does not expect to incur   
federal income taxes on the earnings of the Separate Account to the extent the  
earnings are credited under the Contracts. Accordingly, no charge is currently  
being made to the Separate Account for federal income taxes. The Company will   
periodically review the status of this policy in the event of changes in the    
tax law. A charge may be made in future years for any federal income taxes that 
would be attributable to the Contracts.                                         

ANNUITY PAYOUTS                                                                 
Net assets allocated to Contracts in the annuity payout period are computed     
according to industry standard mortality tables. The assumed investment return  
is between 3.0 and 6.0 percent. The mortality risk is fully borne by the        
Company and may result in additional amounts being transferred into the         
Separate Account by the Company to cover greater longevity of annuitants than   
expected. Conversely, if amounts allocated exceed amounts required, transfers   
may be made to the Company.                                                     

PURCHASE PAYMENTS                                                               
Purchase payments received from Contract owners by the Company are credited as  
accumulation units as of the end of the valuation period in which received, as  
provided in the prospectus of the Contracts, and are reported as Contract       
transactions on the statements of changes in net assets of the applicable       
Divisions.                                                                      

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

4.  SIGNIFICANT ACCOUNTING POLICIES -- (CONCLUDED)                              

NET TRANSFERS                                                                   
Funds transferred by the Contract owner into or out of Divisions within the     
Separate Account or into or out of the fixed account, which is part of the      
Company's general account, are recorded on a net basis as net transfers in the  
statements of changes in net assets of the applicable Divisions.                

USE OF ESTIMATES                                                                
The preparation of financial statements in accordance with GAAP requires        
management to make estimates and assumptions that affect amounts reported       
herein. Actual results could differ from these estimates.                       

5.  EXPENSES                                                                    

The following annual Separate Account charges paid to the Company are           
asset-based charges assessed through a daily reduction in unit values, which    
are recorded as expenses in the accompanying statements of operations of the    
applicable Divisions:                                                           

   Mortality and Expense Risk -- The mortality risk assumed by the Company
is the risk that those insured may die sooner than anticipated and  
 therefore, the Company will pay an aggregate amount of death benefits
greater than anticipated. The expense risk assumed is the risk that 
    expenses incurred in issuing and administering the Contracts will exceed
     the amounts realized from the administrative charges assessed against the
   Contracts. In addition, the charge compensates the Company for the risk
   that the insured (the annuitant) may live longer than estimated and the
Company would be obligated to pay more in income payments than      
anticipated.                                                        

   Administrative -- The Company has responsibility for the administration
    of the Contracts and the Separate Account. Generally, the administrative
 charge is related to the maintenance, including distribution, of each
Contract and the Separate Account.                                  

     Optional Death Benefit Rider -- For an additional charge, the total death
   benefit payable may be increased based on increases in account value of
the Contracts.                                                      

  Earnings Preservation Benefit -- For an additional charge, the Company
    will provide additional amounts at death to pay expenses that may be due
upon the death of the Contract owner, unless the Contract owner is a
    non-natural person and then the benefit is payable upon the death of the
   Annuitant. This amount may not be sufficient to cover expenses that the
Contract owner's heirs may have to pay.                             

Enhanced Stepped-Up Provision -- For an additional charge, the total
death benefit payable may be increased based on the greater of the  
account balance or highest annual Contract anniversary value in the 
     Contract or the greater of the account balance, annual increase amount or
highest annual Contract anniversary value in the Contract.          

 Preservation and Growth -- For an additional charge, the Company will
   guarantee at a future date the Account Value (adjusted for withdrawals)
will not be less than your initial Purchase Payment.                

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2017.             

                                                        [Enlarge/Download Table]
                                                                                                                            
----------------------------------------------------------------------------------------------------------------------------
 Mortality and Expense Risk                                                                                 0.00% - 2.05%   
----------------------------------------------------------------------------------------------------------------------------
 Administrative                                                                                             0.10% - 0.50%   
----------------------------------------------------------------------------------------------------------------------------
 Optional Death Benefit Rider                                                                               0.25%           
----------------------------------------------------------------------------------------------------------------------------
 Earnings Preservation Benefit                                                                              0.25%           
----------------------------------------------------------------------------------------------------------------------------
 Enhanced Stepped-Up Provision                                                                              0.10% - 0.35%   
----------------------------------------------------------------------------------------------------------------------------
 Preservation and Growth                                                                                    1.15% - 1.80%   
----------------------------------------------------------------------------------------------------------------------------

    The above referenced charges may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the 
   designation of the charge or associated with a particular Contract. The
     range of the effective rates disclosed above excludes any waivers granted
to certain Divisions.                                               

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

5.  EXPENSES -- (CONCLUDED)                                                     

The following optional rider charges paid to the Company are charged at each    
Contract anniversary date through the redemption of units, which are recorded   
as contract charges in the accompanying statements of changes in net assets of  
the applicable Divisions:                                                       

    Guaranteed Minimum Accumulation Benefit -- For an additional charge, the
  Company will guarantee that the Contract value will not be less than a
guaranteed minimum amount at the end of a specified number of years.

  Lifetime Withdrawal Guarantee -- For an additional charge, the Company
will guarantee the periodic return on the investment for life.      

  Guaranteed Withdrawal Benefit -- For an additional charge, the Company
will guarantee the periodic return on the investment.               

Guaranteed Minimum Income Benefit -- For an additional charge, the  
Company will guarantee a minimum payment regardless of market       
conditions.                                                         

 Enhanced Death Benefit -- For an additional charge, the amount of the
death benefit will be the greater of the account value or the death 
benefit base.                                                       

   Enhanced Guaranteed Withdrawal Benefit -- For an additional charge, the
Company will guarantee that at least the entire amount of purchase  
payments will be returned through a series of withdrawals without   
annuitizing.                                                        

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2017:             

                                                        [Enlarge/Download Table]
                                                                                                                         
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Accumulation Benefit                                                                 0.75%           
-------------------------------------------------------------------------------------------------------------------------
 Lifetime Withdrawal Guarantee                                                                           0.50% - 1.50%   
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Withdrawal Benefit                                                                           0.90%           
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Income Benefit                                                                       0.50% - 1.00%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Death Benefit                                                                                  0.60% - 1.15%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Guaranteed Withdrawal Benefit                                                                  0.50% - 0.55%   
-------------------------------------------------------------------------------------------------------------------------

    The above referenced charges may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the 
designation of the charge or associated with a particular Contract. 

A Contract administrative charge which ranges from $0 to $30 is assessed on an  
annual basis for Contracts with a value of less than $50,000, which may be      
waived if the Contract reaches a certain asset size or under certain            
circumstances. A transfer fee ranging from $0 to $25 may be deducted after      
twelve transfers are made in a Contract year or, for certain contracts.         

In addition, certain Contracts impose a surrender charge of 0% to 9% if the     
contract is partially or fully surrendered within the specified surrender       
charge period. These charges are paid to the Company, assessed through          
redemption of units, and recorded as Contract charges in the accompanying       
statements of changes in net assets of the applicable Divisions for the years   
ended December 31, 2017 and 2016.                                               

6.  CHANGE IN PRESENTATION                                                      

The following Divisions (Variable B Division and Variable C Division) only      
invest in BHFTI Brighthouse Wellington Large Cap Research Division. Previously, 
the financial information of Variable B Division and Variable C Division were   
presented separately. Financial information of Variable B Division and Variable 
C Division are now presented in the financial results of the BHFTI Brighthouse  
Wellington Large Cap Research Division.                                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  STATEMENTS OF INVESTMENTS                                                   

                                                        [Enlarge/Download Table]

                                                                                                   FOR THE YEAR ENDED       
                                                               AS OF DECEMBER 31, 2017              DECEMBER 31, 2017       
                                                           -------------------------------  --------------------------------
                                                                                                COST OF          PROCEEDS   
                                                               SHARES          COST ($)      PURCHASES ($)    FROM SALES ($)
                                                           -------------    --------------  --------------    --------------
                                                                                                                            
American Funds Bond Division..............................     8,301,426        91,152,370       8,906,830        12,743,111
American Funds Global Growth Division.....................        12,359           305,092          65,149           355,521
American Funds Global Small Capitalization Division.......    20,289,038       419,649,551       4,225,504        71,337,252
American Funds Growth Division............................    13,854,502       814,546,907     111,390,880       155,045,334
American Funds Growth-Income Division.....................    17,015,828       662,025,785      69,278,091       124,666,475
BHFTI AB Global Dynamic Allocation Division...............   130,254,278     1,349,159,609      24,187,721       166,858,076
BHFTI Allianz Global Investors Dynamic Multi-Asset Plus                                                                     
   Division...............................................     6,688,052        70,682,652       4,357,166         9,012,075
BHFTI American Funds Balanced Allocation Division.........    86,825,603       812,343,268      75,909,976        92,049,079
BHFTI American Funds Growth Allocation Division...........    46,740,190       409,740,229      51,499,045        48,663,712
BHFTI American Funds Growth Division......................    35,386,361       323,358,191      44,071,547        73,262,109
BHFTI American Funds Moderate Allocation Division.........    92,461,077       866,859,580      67,035,382       119,295,249
BHFTI AQR Global Risk Balanced Division...................   131,874,603     1,393,941,577      80,955,560       147,002,222
BHFTI BlackRock Global Tactical Strategies Division.......   187,228,875     1,860,362,801      38,409,188       211,649,927
BHFTI BlackRock High Yield Division.......................        53,311           402,350         164,592            89,756
BHFTI Brighthouse Asset Allocation 100 Division...........    18,714,759       213,489,976      26,356,608        28,895,806
BHFTI Brighthouse Balanced Plus Division..................   324,889,777     3,441,080,385     266,681,508       254,646,331
BHFTI Brighthouse Small Cap Value Division................     1,175,255        17,289,316       2,225,505         2,415,873
BHFTI Brighthouse/Aberdeen Emerging Markets Equity                                                                          
   Division...............................................     5,165,664        50,018,322       2,884,742         9,406,930
BHFTI Brighthouse/Artisan International Division..........           251             2,509             163               708
BHFTI Brighthouse/Eaton Vance Floating Rate Division......     2,884,680        29,671,626       7,173,848         3,973,400
BHFTI Brighthouse/Franklin Low Duration Total Return                                                                        
   Division...............................................     8,783,065        86,537,629      13,605,498        11,574,134
BHFTI Brighthouse/Templeton International Bond Division...       747,974         8,408,290         540,436           891,379
BHFTI Brighthouse/Wellington Large Cap Research                                                                             
   Division...............................................    47,845,660       537,882,166      37,304,462        89,129,190
BHFTI Clarion Global Real Estate Division.................    17,606,184       219,435,151      11,880,346        28,397,480
BHFTI ClearBridge Aggressive Growth Division..............    31,952,931       413,184,915      13,544,728        88,139,463
BHFTI Harris Oakmark International Division...............    33,413,753       471,177,586      20,104,115        92,667,594
BHFTI Invesco Balanced-Risk Allocation Division...........    54,139,215       554,934,538      82,530,968        51,936,484
BHFTI Invesco Comstock Division...........................         2,944            42,886          39,343            10,543
BHFTI Invesco Small Cap Growth Division...................     3,876,458        54,986,901       9,771,601        10,959,108
BHFTI JPMorgan Core Bond Division.........................     9,307,218        97,299,460       6,475,642         8,908,693
BHFTI JPMorgan Global Active Allocation Division..........    69,155,773       757,241,781      22,164,427        79,334,147
BHFTI JPMorgan Small Cap Value Division...................     1,413,793        21,189,878       3,053,478         4,220,978
BHFTI Loomis Sayles Global Markets Division...............     6,920,606        93,550,821       6,114,264        22,852,063
BHFTI MetLife Multi-Index Targeted Risk Division..........    72,865,348       846,047,309      46,648,532        76,317,433
BHFTI MFS Research International Division.................    15,923,782       176,833,140       7,114,168        35,509,658
BHFTI Morgan Stanley Mid Cap Growth Division..............    17,012,494       186,626,092      12,279,816        45,055,152
BHFTI Oppenheimer Global Equity Division..................    10,856,639       174,171,065       9,454,993        47,185,780
BHFTI PanAgora Global Diversified Risk Division...........     8,209,365        86,382,550      21,673,634        16,935,089
BHFTI PIMCO Inflation Protected Bond Division.............    43,153,253       469,689,656      20,936,841        38,907,765
BHFTI PIMCO Total Return Division.........................    79,783,938       937,818,373      42,250,836        80,015,704
BHFTI Pyramis Government Income Division..................    43,481,999       469,084,559      15,364,122        70,534,744
BHFTI Schroders Global Multi-Asset Division...............    43,799,685       485,559,958      16,336,707        48,053,370
BHFTI Schroders Global Multi-Asset II Division............    32,747,512       362,654,057      19,180,795        29,468,404
BHFTI SSGA Growth and Income ETF Division.................    70,008,959       767,214,929      28,839,428       125,487,676
BHFTI SSGA Growth ETF Division............................    12,287,750       136,203,113       9,573,545        19,977,975
BHFTI T. Rowe Price Large Cap Value Division..............        16,460           546,914         193,931            82,873
BHFTI T. Rowe Price Mid Cap Growth Division...............    45,255,177       433,123,131      55,295,554        65,270,205
BHFTI TCW Core Fixed Income Division......................        25,065           255,791          29,878            95,879
BHFTI Victory Sycamore Mid Cap Value Division.............    20,592,908       358,591,025      11,559,196        53,699,728
BHFTI Wells Capital Management Mid Cap Value Division.....        27,054           319,847          18,930            31,432
BHFTII Baillie Gifford International Stock Division.......    10,488,701       112,706,411       3,742,670        22,275,026

(a)  For the period April 28, 2017 to December 31, 2017.                        

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  STATEMENTS OF INVESTMENTS -- (CONTINUED)                                    

                                                        [Enlarge/Download Table]

                                                                                                   FOR THE YEAR ENDED       
                                                                AS OF DECEMBER 31, 2017             DECEMBER 31, 2017       
                                                           -------------------------------  --------------------------------
                                                                                                COST OF          PROCEEDS   
                                                               SHARES          COST ($)      PURCHASES ($)    FROM SALES ($)
                                                           -------------     -------------  --------------    --------------
                                                                                                                            
BHFTII BlackRock Bond Income Division.....................     4,314,455       460,423,296     29,356,175         48,142,760
BHFTII BlackRock Capital Appreciation Division............     4,460,830       125,174,272     11,277,392         32,481,009
BHFTII BlackRock Ultra-Short Term Bond Division...........       560,284        56,072,865     12,365,662         16,400,562
BHFTII Brighthouse Asset Allocation 20 Division...........    37,438,698       409,956,277     24,509,515         74,249,282
BHFTII Brighthouse Asset Allocation 40 Division...........    97,721,687     1,075,108,344     68,438,547        184,616,525
BHFTII Brighthouse Asset Allocation 60 Division...........   310,511,372     3,436,623,917    240,497,010        506,034,142
BHFTII Brighthouse Asset Allocation 80 Division...........   136,308,558     1,577,478,005    146,181,148        218,916,254
BHFTII Brighthouse/Artisan Mid Cap Value Division.........       892,605       192,435,810      6,171,405         38,636,490
BHFTII Brighthouse/Dimensional International Small                                                                          
  Company Division........................................       630,481         8,792,980      1,482,866          2,009,390
BHFTII Brighthouse/Wellington Balanced Division...........    29,962,192       512,753,862     29,862,558         66,678,743
BHFTII Brighthouse/Wellington Core Equity                                                                                   
  Opportunities Division..................................    17,848,583       523,556,295     31,469,347         84,687,098
BHFTII Frontier Mid Cap Growth Division...................    13,453,235       352,675,905     15,225,835         59,575,606
BHFTII Jennison Growth Division...........................    12,203,243       162,450,479     28,698,171         36,898,281
BHFTII Loomis Sayles Small Cap Core Division..............       659,209       153,669,597     19,115,390         27,840,549
BHFTII Loomis Sayles Small Cap Growth Division............     3,786,109        45,078,816      7,429,666         10,988,114
BHFTII MetLife Aggregate Bond Index Division..............   105,191,745     1,137,660,056     75,233,955        100,040,194
BHFTII MetLife Mid Cap Stock Index Division...............    28,977,413       421,534,202     54,351,509         72,240,125
BHFTII MetLife MSCI EAFE Index Division...................    36,629,857       429,348,692     19,496,486         84,466,016
BHFTII MetLife Russell 2000 Index Division................    17,265,446       257,241,032     35,167,191         47,398,059
BHFTII MetLife Stock Index Division.......................    60,783,781     2,000,152,329    158,852,044        399,397,809
BHFTII MFS Total Return Division..........................       827,654       120,675,456     15,721,237         22,735,347
BHFTII MFS Value Division.................................    31,783,692       465,383,226     48,342,587         74,261,354
BHFTII MFS Value II Division..............................    27,169,515       265,660,156     18,618,361         38,378,129
BHFTII Neuberger Berman Genesis Division..................    13,996,222       217,705,946     29,872,813         40,804,666
BHFTII T. Rowe Price Large Cap Growth Division............    24,366,421       462,301,533     60,007,107         67,745,124
BHFTII T. Rowe Price Small Cap Growth Division............    19,636,718       335,987,609     41,947,390         50,365,437
BHFTII Van Eck Global Natural Resources Division..........     3,479,913        40,899,464      6,265,590          4,815,634
BHFTII Western Asset Management Strategic Bond                                                                              
  Opportunities Division..................................    37,159,410       477,271,414     30,123,062         72,624,375
BHFTII Western Asset Management U.S. Government                                                                             
  Division................................................    13,766,158       165,159,478     13,282,991         19,816,827
BlackRock Global Allocation V.I. Division.................         6,488            94,584         54,936            528,507
Calvert VP SRI Balanced Division..........................    23,259,823        44,626,507      2,619,473          7,703,828
Calvert VP SRI Mid Cap Division...........................       273,639         8,147,972        517,094          2,874,621
Delaware VIP Small Cap Value Division.....................           515            18,331          9,562             23,696
Fidelity VIP Contrafund Division..........................        21,747           680,698        158,505            695,596
Fidelity VIP Equity-Income Division.......................     3,279,197        71,619,582      3,688,332         12,668,659
Fidelity VIP Freedom 2020 Division........................        90,047         1,142,155        534,808          1,132,076
Fidelity VIP Freedom 2025 Division........................        56,327           733,549        603,047          1,387,821
Fidelity VIP Freedom 2030 Division........................       206,930         2,649,430      2,164,924          1,702,066
Fidelity VIP Freedom 2040 Division........................        24,687           462,156        377,139            102,279
Fidelity VIP Freedom 2050 Division........................        13,060           220,390        186,101            114,828
Fidelity VIP FundsManager 50% Division....................    23,350,987       276,881,040      6,497,258         23,470,031
Fidelity VIP FundsManager 60% Division....................    22,957,902       234,641,926      9,100,653         44,949,037
Fidelity VIP Government Money Market Division.............     5,009,176         5,009,177      1,845,117          2,958,164
Fidelity VIP Growth Division..............................     1,332,044        58,548,003      8,000,908         13,964,262
Fidelity VIP Investment Grade Bond Division...............       799,993        10,263,981        987,973          3,281,245
Fidelity VIP Mid Cap Division.............................        17,911           554,157         73,565            134,207
FTVIPT Templeton Developing Markets VIP Division..........        14,947           110,874         41,670            171,718
FTVIPT Templeton Foreign VIP Division.....................            47               674          2,573              3,457
Ivy VIP Asset Strategy Division...........................           302             3,069            115                347
Janus Henderson Enterprise Division.......................         2,247           126,033         26,533            162,108
LMPVET ClearBridge Variable Appreciation Division.........         1,154            42,484         11,747                918

(a)  For the period April 28, 2017 to December 31, 2017.                        

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  STATEMENTS OF INVESTMENTS -- (CONCLUDED)                                    

                                                        [Enlarge/Download Table]

                                                                                                  FOR THE YEAR ENDED       
                                                                AS OF DECEMBER 31, 2017            DECEMBER 31, 2017       
                                                            ------------------------------  -------------------------------
                                                                                               COST OF          PROCEEDS   
                                                               SHARES           COST ($)    PURCHASES ($)    FROM SALES ($)
                                                            -------------    -------------  -------------    --------------
                                                                                                                           
LMPVET ClearBridge Variable Dividend Strategy                                                                              
  Division.................................................         3,487           55,820          4,227            11,383
LMPVET ClearBridge Variable Large Cap Growth                                                                               
  Division.................................................        20,665          450,768        121,953           403,536
LMPVET ClearBridge Variable Small Cap Growth                                                                               
  Division.................................................         1,058           22,207          5,602            25,929
LMPVIT Western Asset Core Plus Division....................        18,166          106,635         60,787           124,734
Morgan Stanley VIF Global Infrastructure Division..........         7,853           62,057         18,369             9,834
Oppenheimer Global Multi-Alternatives Fund/VA                                                                              
  Division (a).............................................         1,601           15,807         15,913               106
PIMCO VIT CommodityRealReturn Strategy Division............         7,007           54,650         20,930            16,652
PIMCO VIT Emerging Markets Bond Division...................         5,406           69,131         18,388            33,919
PIMCO VIT Unconstrained Bond Division......................        11,485          115,762         10,890             5,537
TAP 1919 Variable Socially Responsive Balanced Division....           865           23,643         20,553             5,103

(a)  For the period April 28, 2017 to December 31, 2017.                        

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  SCHEDULES OF UNITS                                                          
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016:                         

                                                        [Enlarge/Download Table]

                                                                         AMERICAN FUNDS                  AMERICAN FUNDS          
                                        AMERICAN FUNDS BOND               GLOBAL GROWTH            GLOBAL SMALL CAPITALIZATION   
                                             DIVISION                       DIVISION                        DIVISION             
                                   -----------------------------  -----------------------------  ------------------------------  
                                       2017            2016            2017         2016 (a)          2017            2016       
                                   -------------  --------------  -------------  --------------  --------------  --------------  

                                                                                                                                 
Units beginning of year..........      5,189,712       5,343,073        124,565              --      12,941,976      14,155,887  
Units issued and transferred                                                                                                     
   from other funding options....        765,011       1,067,373         15,891         128,623         650,457       1,217,864  
Units redeemed and transferred to                                                                                                
   other funding options.........    (1,070,541)     (1,220,734)       (75,828)         (4,058)     (2,175,079)     (2,431,775)  
                                   -------------  --------------  -------------  --------------  --------------  --------------  
Units end of year................      4,884,182       5,189,712         64,628         124,565      11,417,354      12,941,976  
                                   =============  ==============  =============  ==============  ==============  ==============  


                                                                           AMERICAN FUNDS                  BHFTI AB GLOBAL       
                                       AMERICAN FUNDS GROWTH                GROWTH-INCOME                DYNAMIC ALLOCATION      
                                             DIVISION                         DIVISION                        DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017            2016            2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........       3,811,794       4,232,055       4,507,518       4,944,457     127,172,700     130,172,083
Units issued and transferred                                                                                                     
   from other funding options....         204,460         288,897         232,771         397,936       2,114,307       8,951,455
Units redeemed and transferred to                                                                                                
   other funding options.........       (651,425)       (709,158)       (781,458)       (834,875)    (13,096,869)    (11,950,838)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................       3,364,829       3,811,794       3,958,831       4,507,518     116,190,138     127,172,700
                                   ==============  ==============  ==============  ==============  ==============  ==============

                                                        [Enlarge/Download Table]

                                    BHFTI ALLIANZ GLOBAL INVESTORS       BHFTI AMERICAN FUNDS           BHFTI AMERICAN FUNDS      
                                       DYNAMIC MULTI-ASSET PLUS           BALANCED ALLOCATION             GROWTH ALLOCATION       
                                               DIVISION                        DIVISION                       DIVISION            
                                   --------------------------------  -----------------------------  ------------------------------
                                         2017            2016             2017            2016           2017            2016     
                                    --------------  --------------   --------------  -------------  --------------  --------------

                                                                                                                                  
Units beginning of year..........       72,586,643      56,051,809       62,532,762     62,147,594      30,410,462      31,243,407
Units issued and transferred                                                                                                      
   from other funding options....        6,240,343      25,986,665        4,094,865      6,902,314       2,567,687       3,539,074
Units redeemed and transferred to                                                                                                 
   other funding options.........     (10,691,348)     (9,451,831)      (8,542,066)    (6,517,146)     (4,221,120)     (4,372,019)
                                    --------------  --------------   --------------  -------------  --------------  --------------
Units end of year................       68,135,638      72,586,643       58,085,561     62,532,762      28,757,029      30,410,462
                                    ==============  ==============   ==============  =============  ==============  ==============


                                          BHFTI AMERICAN                 BHFTI AMERICAN                    BHFTI AQR              
                                           FUNDS GROWTH             FUNDS MODERATE ALLOCATION        GLOBAL RISK BALANCED         
                                             DIVISION                       DIVISION                       DIVISION               
                                   -----------------------------  -----------------------------  ------------------------------   
                                        2017           2016            2017           2016            2017            2016        
                                   -------------  --------------  --------------  -------------  --------------  --------------   

                                                                                                                                  
Units beginning of year..........     23,833,859      25,483,182      70,805,087     73,866,251     115,858,295     126,093,556   
Units issued and transferred                                                                                                      
   from other funding options....      1,155,011       2,394,214       2,514,467      5,455,439       2,731,189       4,757,578   
Units redeemed and transferred to                                                                                                 
   other funding options.........    (4,885,604)     (4,043,537)     (9,756,104)    (8,516,603)    (14,354,979)    (14,992,839)   
                                   -------------  --------------  --------------  -------------  --------------  --------------   
Units end of year................     20,103,266      23,833,859      63,563,450     70,805,087     104,234,505     115,858,295   
                                   =============  ==============  ==============  =============  ==============  ==============   

                                                        [Enlarge/Download Table]

                                           BHFTI BLACKROCK                                                BHFTI BRIGHTHOUSE      
                                     GLOBAL TACTICAL STRATEGIES     BHFTI BLACKROCK HIGH YIELD          ASSET ALLOCATION 100     
                                              DIVISION                       DIVISION                         DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017            2016            2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........     166,138,266     172,629,165          35,582          13,360      11,416,804      11,824,914
Units issued and transferred                                                                                                     
   from other funding options....       2,583,581       9,764,784          13,749          26,711       1,016,487       1,315,216
Units redeemed and transferred to                                                                                                
   other funding options.........    (17,281,168)    (16,255,683)        (15,716)         (4,489)     (1,645,582)     (1,723,326)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................     151,440,679     166,138,266          33,615          35,582      10,787,709      11,416,804
                                   ==============  ==============  ==============  ==============  ==============  ==============


                                          BHFTI BRIGHTHOUSE              BHFTI BRIGHTHOUSE           BHFTI BRIGHTHOUSE/ABERDEEN  
                                            BALANCED PLUS                 SMALL CAP VALUE              EMERGING MARKETS EQUITY   
                                              DIVISION                       DIVISION                         DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017            2016            2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........     267,191,129     269,246,848         648,258         655,473       5,375,922       5,630,392
Units issued and transferred                                                                                                     
   from other funding options....      14,067,221      23,974,902          84,989         116,671         650,264       1,039,366
Units redeemed and transferred to                                                                                                
   other funding options.........    (26,775,890)    (26,030,621)       (121,782)       (123,886)     (1,244,323)     (1,293,836)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................     254,482,460     267,191,129         611,465         648,258       4,781,863       5,375,922
                                   ==============  ==============  ==============  ==============  ==============  ==============

                                                        [Enlarge/Download Table]

                                      BHFTI BRIGHTHOUSE/ARTISAN        BHFTI BRIGHTHOUSE/EATON      BHFTI BRIGHTHOUSE/FRANKLIN   
                                            INTERNATIONAL                VANCE FLOATING RATE         LOW DURATION TOTAL RETURN   
                                              DIVISION                        DIVISION                       DIVISION            
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017            2016            2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........             313             308       2,268,533       1,831,052       8,173,168       8,644,210
Units issued and transferred                                                                                                     
   from other funding options....              15              53         698,790         860,509       2,165,265       1,957,332
Units redeemed and transferred to                                                                                                
   other funding options.........            (72)            (48)       (478,175)       (423,028)     (1,977,409)     (2,428,374)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................             256             313       2,489,148       2,268,533       8,361,024       8,173,168
                                   ==============  ==============  ==============  ==============  ==============  ==============


                                    BHFTI BRIGHTHOUSE/TEMPLETON    BHFTI BRIGHTHOUSE/WELLINGTON             BHFTI CLARION        
                                        INTERNATIONAL BOND              LARGE CAP RESEARCH               GLOBAL REAL ESTATE      
                                             DIVISION                        DIVISION                         DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017          2016 (b)          2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........         610,154         611,605      12,937,320      14,241,297      12,014,777      12,591,472
Units issued and transferred                                                                                                     
   from other funding options....          76,636         100,772         333,691         529,530       1,068,135       1,659,527
Units redeemed and transferred to                                                                                                
   other funding options.........        (96,994)       (102,223)     (1,758,073)     (1,833,507)     (2,207,560)     (2,236,222)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................         589,796         610,154      11,512,938      12,937,320      10,875,352      12,014,777
                                   ==============  ==============  ==============  ==============  ==============  ==============


(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016:                         

                                                        [Enlarge/Download Table]

                                          BHFTI CLEARBRIDGE             BHFTI HARRIS OAKMARK                BHFTI INVESCO        
                                          AGGRESSIVE GROWTH                 INTERNATIONAL             BALANCED-RISK ALLOCATION   
                                              DIVISION                        DIVISION                        DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017            2016            2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........      34,182,457      38,732,875      19,261,195      20,998,453     454,902,610     436,683,517
Units issued and transferred                                                                                                     
   from other funding options....       2,400,788       4,237,249       1,630,199       2,786,258      59,335,497      73,116,622
Units redeemed and transferred to                                                                                                
   other funding options.........     (6,833,280)     (8,787,667)     (4,087,509)     (4,523,516)    (68,549,368)    (54,897,529)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................      29,749,965      34,182,457      16,803,885      19,261,195     445,688,739     454,902,610
                                   ==============  ==============  ==============  ==============  ==============  ==============


                                                                            BHFTI INVESCO                                        
                                       BHFTI INVESCO COMSTOCK             SMALL CAP GROWTH            BHFTI JPMORGAN CORE BOND   
                                              DIVISION                        DIVISION                        DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017            2016            2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........           7,061             549       1,830,196       1,959,481       8,737,449       8,785,778
Units issued and transferred                                                                                                     
   from other funding options....          10,322           6,845         228,994         409,910       1,370,016       1,878,876
Units redeemed and transferred to                                                                                                
   other funding options.........         (7,004)           (333)       (443,306)       (539,195)     (1,685,504)     (1,927,205)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................          10,379           7,061       1,615,884       1,830,196       8,421,961       8,737,449
                                   ==============  ==============  ==============  ==============  ==============  ==============

                                                        [Enlarge/Download Table]

                                          BHFTI JPMORGAN                  BHFTI JPMORGAN               BHFTI LOOMIS SAYLES     
                                     GLOBAL ACTIVE ALLOCATION             SMALL CAP VALUE                GLOBAL MARKETS        
                                             DIVISION                        DIVISION                       DIVISION           
                                   -----------------------------  ------------------------------  -----------------------------
                                       2017            2016            2017            2016           2017            2016     
                                   -------------  --------------  --------------  --------------  -------------  --------------

                                                                                                                               
Units beginning of year..........    658,264,125     631,444,568       1,149,179       1,050,675      6,761,244       6,737,799
Units issued and transferred                                                                                                   
   from other funding options....     25,194,411      98,187,704         197,683         354,143        592,870       1,475,089
Units redeemed and transferred to                                                                                              
   other funding options.........   (76,822,208)    (71,368,147)       (310,228)       (255,639)    (1,473,325)     (1,451,644)
                                   -------------  --------------  --------------  --------------  -------------  --------------
Units end of year................    606,636,328     658,264,125       1,036,634       1,149,179      5,880,789       6,761,244
                                   =============  ==============  ==============  ==============  =============  ==============


                                           BHFTI METLIFE                    BHFTI MFS                BHFTI MORGAN STANLEY      
                                     MULTI-INDEX TARGETED RISK       RESEARCH INTERNATIONAL             MID CAP GROWTH         
                                             DIVISION                       DIVISION                       DIVISION            
                                   -----------------------------  -----------------------------  ----------------------------- 
                                        2017           2016            2017            2016           2017            2016     
                                   --------------  -------------  --------------  -------------  --------------  ------------- 

                                                                                                                               
Units beginning of year..........     733,282,833    650,031,968      13,120,940     14,035,549      14,691,729     15,711,674 
Units issued and transferred                                                                                                   
   from other funding options....      42,539,347    167,934,726         700,417      1,326,847       1,352,701      1,343,773 
Units redeemed and transferred to                                                                                              
   other funding options.........    (86,134,445)   (84,683,861)     (2,487,814)    (2,241,456)     (2,664,118)    (2,363,718) 
                                   --------------  -------------  --------------  -------------  --------------  ------------- 
Units end of year................     689,687,735    733,282,833      11,333,543     13,120,940      13,380,312     14,691,729 
                                   ==============  =============  ==============  =============  ==============  ============= 

                                                        [Enlarge/Download Table]

                                         BHFTI OPPENHEIMER               BHFTI PANAGORA                    BHFTI PIMCO          
                                           GLOBAL EQUITY             GLOBAL DIVERSIFIED RISK        INFLATION PROTECTED BOND    
                                             DIVISION                       DIVISION                        DIVISION            
                                   -----------------------------  -----------------------------  ------------------------------ 
                                        2017            2016           2017           2016            2017            2016      
                                   --------------  -------------  --------------  -------------  --------------  -------------- 

                                                                                                                                
Units beginning of year..........      16,415,762     15,876,834      74,593,960     27,943,566      29,444,296      31,458,298 
Units issued and transferred                                                                                                    
   from other funding options....       3,138,908      4,038,270      28,348,135     58,667,086       3,946,131       3,756,976 
Units redeemed and transferred to                                                                                               
   other funding options.........     (3,778,596)    (3,499,342)    (22,166,429)   (12,016,692)     (5,244,717)     (5,770,978) 
                                   --------------  -------------  --------------  -------------  --------------  -------------- 
Units end of year................      15,776,074     16,415,762      80,775,666     74,593,960      28,145,710      29,444,296 
                                   ==============  =============  ==============  =============  ==============  ============== 


                                                                            BHFTI PYRAMIS                 BHFTI SCHRODERS       
                                      BHFTI PIMCO TOTAL RETURN            GOVERNMENT INCOME             GLOBAL MULTI-ASSET      
                                              DIVISION                        DIVISION                       DIVISION           
                                   ------------------------------  ------------------------------  -----------------------------
                                        2017            2016            2017            2016           2017            2016     
                                   --------------  --------------  --------------  --------------  -------------  --------------

                                                                                                                                
Units beginning of year..........      52,424,443      56,338,885      47,006,535      46,949,292    424,763,788     411,432,972
Units issued and transferred                                                                                                    
   from other funding options....       5,919,475       6,625,280       2,754,429       8,526,954     17,227,523      57,575,146
Units redeemed and transferred to                                                                                               
   other funding options.........     (8,902,148)    (10,539,722)     (8,195,216)     (8,469,711)   (46,732,899)    (44,244,330)
                                   --------------  --------------  --------------  --------------  -------------  --------------
Units end of year................      49,441,770      52,424,443      41,565,748      47,006,535    395,258,412     424,763,788
                                   ==============  ==============  ==============  ==============  =============  ==============

                                                        [Enlarge/Download Table]

                                          BHFTI SCHRODERS                  BHFTI SSGA                                          
                                       GLOBAL MULTI-ASSET II          GROWTH AND INCOME ETF          BHFTI SSGA GROWTH ETF     
                                             DIVISION                       DIVISION                       DIVISION            
                                   -----------------------------  -----------------------------  ----------------------------- 
                                        2017           2016            2017           2016           2017            2016      
                                   -------------  --------------  --------------  -------------  -------------  -------------- 

                                                                                                                               
Units beginning of year..........     32,392,292      27,478,865      55,792,678     59,547,628      9,414,590      10,147,586 
Units issued and transferred                                                                                                   
   from other funding options....      3,474,394       8,463,714       1,427,147      2,970,647        542,921         857,054 
Units redeemed and transferred to                                                                                              
   other funding options.........    (4,262,918)     (3,550,287)     (8,025,972)    (6,725,597)    (1,332,783)     (1,590,050) 
                                   -------------  --------------  --------------  -------------  -------------  -------------- 
Units end of year................     31,603,768      32,392,292      49,193,853     55,792,678      8,624,728       9,414,590 
                                   =============  ==============  ==============  =============  =============  ============== 


                                        BHFTI T. ROWE PRICE             BHFTI T. ROWE PRICE                 BHFTI TCW          
                                          LARGE CAP VALUE                 MID CAP GROWTH                CORE FIXED INCOME      
                                             DIVISION                        DIVISION                       DIVISION           
                                   -----------------------------  ------------------------------  -----------------------------
                                        2017            2016           2017            2016            2017           2016     
                                   --------------  -------------  --------------  --------------  --------------  -------------

                                                                                                                               
Units beginning of year..........          22,303          1,871      23,983,678      25,470,150          31,998          2,096
Units issued and transferred                                                                                                   
   from other funding options....           5,544         22,825       2,390,090       4,072,706           2,533         31,829
Units redeemed and transferred to                                                                                              
   other funding options.........         (4,751)        (2,393)     (4,605,277)     (5,559,178)         (9,257)        (1,927)
                                   --------------  -------------  --------------  --------------  --------------  -------------
Units end of year................          23,096         22,303      21,768,491      23,983,678          25,274         31,998
                                   ==============  =============  ==============  ==============  ==============  =============


(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016:                         

                                                        [Enlarge/Download Table]

                                      BHFTI VICTORY SYCAMORE           BHFTI WELLS CAPITAL            BHFTII BAILLIE GIFFORD     
                                           MID CAP VALUE            MANAGEMENT MID CAP VALUE            INTERNATIONAL STOCK      
                                             DIVISION                       DIVISION                         DIVISION            
                                   -----------------------------  ------------------------------  ------------------------------ 
                                        2017           2016            2017            2016            2017            2016      
                                   --------------  -------------  --------------  --------------  --------------  -------------- 

                                                                                                                                 
Units beginning of year..........      11,613,954     12,869,603          13,137           7,543       8,556,834       9,402,801 
Units issued and transferred                                                                                                     
   from other funding options....         891,549      1,089,141             616           7,290         443,472         625,397 
Units redeemed and transferred to                                                                                                
   other funding options.........     (1,998,089)    (2,344,790)         (1,072)         (1,696)     (1,544,217)     (1,471,364) 
                                   --------------  -------------  --------------  --------------  --------------  -------------- 
Units end of year................      10,507,414     11,613,954          12,681          13,137       7,456,089       8,556,834 
                                   ==============  =============  ==============  ==============  ==============  ============== 


                                              BHFTII                      BHFTII BLACKROCK                BHFTII BLACKROCK       
                                       BLACKROCK BOND INCOME            CAPITAL APPRECIATION            ULTRA-SHORT TERM BOND    
                                             DIVISION                         DIVISION                        DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017            2016            2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........      10,189,467      10,737,933       5,990,155       6,648,572       4,242,132       5,220,428
Units issued and transferred                                                                                                     
   from other funding options....       1,020,199       1,358,738         454,381         658,813       1,384,500       1,527,728
Units redeemed and transferred to                                                                                                
   other funding options.........     (1,714,576)     (1,907,204)     (1,129,948)     (1,317,230)     (1,549,276)     (2,506,024)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................       9,495,090      10,189,467       5,314,588       5,990,155       4,077,356       4,242,132
                                   ==============  ==============  ==============  ==============  ==============  ==============

                                                        [Enlarge/Download Table]


                                         BHFTII BRIGHTHOUSE              BHFTII BRIGHTHOUSE              BHFTII BRIGHTHOUSE       
                                         ASSET ALLOCATION 20             ASSET ALLOCATION 40             ASSET ALLOCATION 60      
                                              DIVISION                        DIVISION                        DIVISION            
                                   ------------------------------  ------------------------------  -------------------------------
                                        2017            2016            2017            2016            2017            2016      
                                   --------------  --------------  --------------  --------------  --------------  ---------------

                                                                                                                                  
Units beginning of year..........      30,580,692      33,195,826      78,507,145      85,328,132     240,019,648      257,093,725
Units issued and transferred                                                                                                      
   from other funding options....       1,605,137       2,795,983       2,846,825       5,134,614       6,884,662       13,720,821
Units redeemed and transferred to                                                                                                 
   other funding options.........     (5,553,189)     (5,411,117)    (13,266,553)    (11,955,601)    (33,031,946)     (30,794,898)
                                   --------------  --------------  --------------  --------------  --------------  ---------------
Units end of year................      26,632,640      30,580,692      68,087,417      78,507,145     213,872,364      240,019,648
                                   ==============  ==============  ==============  ==============  ==============  ===============


                                                                                                               BHFTII             
                                        BHFTII BRIGHTHOUSE          BHFTII BRIGHTHOUSE/ARTISAN         BRIGHTHOUSE/DIMENSIONAL    
                                        ASSET ALLOCATION 80                MID CAP VALUE             INTERNATIONAL SMALL COMPANY  
                                             DIVISION                        DIVISION                         DIVISION            
                                   ------------------------------  ------------------------------  ------------------------------ 
                                        2017            2016            2017            2016            2017            2016      
                                   --------------  --------------  --------------  --------------  --------------  -------------- 

                                                                                                                                  
Units beginning of year..........     108,427,987     116,127,054       5,613,562       5,928,571         396,617         383,113 
Units issued and transferred                                                                                                      
   from other funding options....       4,160,601       6,923,061         354,635         789,304          57,886         101,878 
Units redeemed and transferred to                                                                                                 
   other funding options.........    (14,349,439)    (14,622,128)     (1,084,007)     (1,104,313)       (100,857)        (88,374) 
                                   --------------  --------------  --------------  --------------  --------------  -------------- 
Units end of year................      98,239,149     108,427,987       4,884,190       5,613,562         353,646         396,617 
                                   ==============  ==============  ==============  ==============  ==============  ============== 

                                                        [Enlarge/Download Table]

                                   BHFTII BRIGHTHOUSE/WELLINGTON    BHFTII BRIGHTHOUSE/WELLINGTON              BHFTII             
                                             BALANCED                 CORE EQUITY OPPORTUNITIES        FRONTIER MID CAP GROWTH    
                                             DIVISION                         DIVISION                        DIVISION            
                                   ------------------------------  -------------------------------  ------------------------------
                                        2017            2016            2017            2016             2017            2016     
                                   --------------  --------------  --------------  --------------   --------------  --------------

                                                                                                                                  
Units beginning of year..........      11,309,419      12,350,663      12,871,913      14,083,686        7,660,214       8,386,483
Units issued and transferred                                                                                                      
   from other funding options....         355,054         473,788         440,785         978,018          287,763         387,278
Units redeemed and transferred to                                                                                                 
   other funding options.........     (1,327,911)     (1,515,032)     (2,056,457)     (2,189,791)      (1,026,134)     (1,113,547)
                                   --------------  --------------  --------------  --------------   --------------  --------------
Units end of year................      10,336,562      11,309,419      11,256,241      12,871,913        6,921,843       7,660,214
                                   ==============  ==============  ==============  ==============   ==============  ==============


                                                                      BHFTII LOOMIS SAYLES             BHFTII LOOMIS SAYLES       
                                      BHFTII JENNISON GROWTH             SMALL CAP CORE                  SMALL CAP GROWTH         
                                             DIVISION                       DIVISION                         DIVISION             
                                   -----------------------------  ------------------------------  ------------------------------  
                                        2017           2016            2017            2016            2017            2016       
                                   -------------  --------------  --------------  --------------  --------------  --------------  

                                                                                                                                  
Units beginning of year..........     16,378,562      17,957,908       4,342,911       4,874,168       2,721,567       3,053,307  
Units issued and transferred                                                                                                      
   from other funding options....      2,774,059       3,428,660         309,418         305,770         350,340         337,655  
Units redeemed and transferred to                                                                                                 
   other funding options.........    (4,205,793)     (5,008,006)       (789,629)       (837,027)       (603,440)       (669,395)  
                                   -------------  --------------  --------------  --------------  --------------  --------------  
Units end of year................     14,946,828      16,378,562       3,862,700       4,342,911       2,468,467       2,721,567  
                                   =============  ==============  ==============  ==============  ==============  ==============  

                                                        [Enlarge/Download Table]

                                      BHFTII METLIFE AGGREGATE             BHFTII METLIFE                  BHFTII METLIFE        
                                             BOND INDEX                  MID CAP STOCK INDEX               MSCI EAFE INDEX       
                                              DIVISION                        DIVISION                        DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017            2016            2017            2016     
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........      67,082,177      68,245,879      17,710,513      19,052,817      34,611,269      34,877,903
Units issued and transferred                                                                                                     
   from other funding options....       8,681,776      11,328,739       1,661,104       2,351,053       2,000,862       4,902,732
Units redeemed and transferred to                                                                                                
   other funding options.........    (11,189,082)    (12,492,441)     (3,305,652)     (3,693,357)     (6,483,069)     (5,169,366)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................      64,574,871      67,082,177      16,065,965      17,710,513      30,129,062      34,611,269
                                   ==============  ==============  ==============  ==============  ==============  ==============


                                          BHFTII METLIFE                                                                         
                                        RUSSELL 2000 INDEX          BHFTII METLIFE STOCK INDEX       BHFTII MFS TOTAL RETURN     
                                             DIVISION                        DIVISION                       DIVISION             
                                   -----------------------------  ------------------------------  -----------------------------  
                                        2017           2016            2017            2016            2017           2016       
                                   -------------  --------------  --------------  --------------  -------------  --------------  

                                                                                                                                 
Units beginning of year..........     11,262,895      12,012,694      41,650,103      45,195,410      4,213,037       4,556,651  
Units issued and transferred                                                                                                     
   from other funding options....      1,402,837       1,834,646       2,270,070       3,517,849        249,028         425,147  
Units redeemed and transferred to                                                                                                
   other funding options.........    (2,205,881)     (2,584,445)     (6,614,116)     (7,063,156)      (683,699)       (768,761)  
                                   -------------  --------------  --------------  --------------  -------------  --------------  
Units end of year................     10,459,851      11,262,895      37,306,057      41,650,103      3,778,366       4,213,037  
                                   =============  ==============  ==============  ==============  =============  ==============  


(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016:                         

                                                        [Enlarge/Download Table]

                                                                                                              BHFTII            
                                          BHFTII MFS VALUE               BHFTII MFS VALUE II         NEUBERGER BERMAN GENESIS   
                                              DIVISION                        DIVISION                       DIVISION           
                                   ------------------------------  ------------------------------  -----------------------------
                                        2017            2016            2017            2016           2017            2016     
                                   --------------  --------------  --------------  --------------  -------------  --------------

                                                                                                                                
Units beginning of year..........      23,336,266      24,529,013      13,722,798      14,658,312     11,028,717      12,205,331
Units issued and transferred                                                                                                    
   from other funding options....       1,568,234       3,264,340       1,798,783       2,417,659        563,212         671,353
Units redeemed and transferred to                                                                                               
   other funding options.........     (4,227,162)     (4,457,087)     (2,939,365)     (3,353,173)    (1,763,910)     (1,847,967)
                                   --------------  --------------  --------------  --------------  -------------  --------------
Units end of year................      20,677,338      23,336,266      12,582,216      13,722,798      9,828,019      11,028,717
                                   ==============  ==============  ==============  ==============  =============  ==============


                                        BHFTII T. ROWE PRICE           BHFTII T. ROWE PRICE               BHFTII VAN ECK        
                                          LARGE CAP GROWTH               SMALL CAP GROWTH            GLOBAL NATURAL RESOURCES   
                                              DIVISION                       DIVISION                        DIVISION           
                                   ------------------------------  -----------------------------  ------------------------------
                                        2017            2016            2017           2016            2017            2016     
                                   --------------  --------------  --------------  -------------  --------------  --------------

                                                                                                                                
Units beginning of year..........      20,326,210      20,053,722      11,498,401     12,314,868       2,736,220       3,453,656
Units issued and transferred                                                                                                    
   from other funding options....       2,808,055       5,112,945       1,160,544      1,695,965         871,443         620,109
Units redeemed and transferred to                                                                                               
   other funding options.........     (4,136,197)     (4,840,457)     (1,943,592)    (2,512,432)       (685,733)     (1,337,545)
                                   --------------  --------------  --------------  -------------  --------------  --------------
Units end of year................      18,998,068      20,326,210      10,715,353     11,498,401       2,921,930       2,736,220
                                   ==============  ==============  ==============  =============  ==============  ==============

                                                        [Enlarge/Download Table]

                                         BHFTII WESTERN ASSET             BHFTII WESTERN ASSET                                     
                                       MANAGEMENT STRATEGIC BOND               MANAGEMENT                       BLACKROCK          
                                             OPPORTUNITIES                   U.S. GOVERNMENT             GLOBAL ALLOCATION V.I.    
                                               DIVISION                         DIVISION                        DIVISION           
                                   --------------------------------  ------------------------------  ------------------------------
                                         2017            2016             2017            2016            2017            2016     
                                   ---------------  ---------------  --------------  --------------  --------------  --------------

                                                                                                                                   
Units beginning of year..........       17,633,082        7,434,184       9,582,786      10,199,735          25,590          24,602
Units issued and transferred                                                                                                       
   from other funding options....        1,548,493       13,465,277       1,247,608       1,413,965           2,408           1,300
Units redeemed and transferred to                                                                                                  
   other funding options.........      (3,327,493)      (3,266,379)     (1,808,411)     (2,030,914)        (23,810)           (312)
                                   ---------------  ---------------  --------------  --------------  --------------  --------------
Units end of year................       15,854,082       17,633,082       9,021,983       9,582,786           4,188          25,590
                                   ===============  ===============  ==============  ==============  ==============  ==============



                                       CALVERT VP SRI BALANCED         CALVERT VP SRI MID CAP      DELAWARE VIP SMALL CAP VALUE    
                                              DIVISION                        DIVISION                       DIVISION              
                                   ------------------------------  ------------------------------  ------------------------------  
                                        2017            2016            2017            2016            2017          2016 (a)     
                                   --------------  --------------  --------------  --------------  --------------  --------------  

                                                                                                                                   
Units beginning of year..........       1,327,240       1,430,108         186,977         227,418          25,822              --  
Units issued and transferred                                                                                                       
   from other funding options....          62,878          83,745          12,518          11,183           6,250          31,874  
Units redeemed and transferred to                                                                                                  
   other funding options.........       (203,658)       (186,613)        (53,621)        (51,624)        (17,230)         (6,052)  
                                   --------------  --------------  --------------  --------------  --------------  --------------  
Units end of year................       1,186,460       1,327,240         145,874         186,977          14,842          25,822  
                                   ==============  ==============  ==============  ==============  ==============  ==============  

                                                        [Enlarge/Download Table]

                                       FIDELITY VIP CONTRAFUND         FIDELITY VIP EQUITY-INCOME                                   
                                              DIVISION                          DIVISION                                            
                                   -------------------------------  --------------------------------                                
                                        2017            2016              2017            2016                                      
                                   --------------  ---------------  ---------------  ---------------                                

                                                                                                                                    
Units beginning of year..........         161,557            2,695        2,327,096        2,619,253                                
Units issued and transferred                                                                                                        
   from other funding options....          14,938          160,291           56,808           65,982                                
Units redeemed and transferred to                                                                                                   
   other funding options.........        (86,831)          (1,429)        (335,539)        (358,139)                                
                                   --------------  ---------------  ---------------  ---------------                                
Units end of year................          89,664          161,557        2,048,365        2,327,096                                
                                   ==============  ===============  ===============  ===============                                


                                      FIDELITY VIP FREEDOM 2020        FIDELITY VIP FREEDOM 2025        FIDELITY VIP FREEDOM 2030   
                                              DIVISION                         DIVISION                         DIVISION            
                                   -------------------------------  -------------------------------  -------------------------------
                                         2017          2016 (c)           2017          2016 (c)          2017           2016 (c)   
                                   ---------------  --------------  ---------------  --------------  ---------------  --------------

                                                                                                                                    
Units beginning of year..........           98,961              --           79,781              --          115,111              --
Units issued and transferred                                                                                                        
   from other funding options....           28,432         101,889           30,413          80,161          112,071         115,936
Units redeemed and transferred to                                                                                                   
   other funding options.........         (64,387)         (2,928)         (71,616)           (380)         (87,533)           (825)
                                   ---------------  --------------  ---------------  --------------  ---------------  --------------
Units end of year................           63,006          98,961           38,578          79,781          139,649         115,111
                                   ===============  ==============  ===============  ==============  ===============  ==============


                                       FIDELITY VIP FREEDOM 2040                                                                    
                                               DIVISION                                                                             
                                   --------------------------------                                                                 
                                        2017            2016 (c)                                                                    
                                   ---------------  ---------------                                                                 

                                                                                                                                    
Units beginning of year..........            7,760               --                                                                 
Units issued and transferred                                                                                                        
   from other funding options....           14,593            8,269                                                                 
Units redeemed and transferred to                                                                                                   
   other funding options.........          (3,934)            (509)                                                                 
                                   ---------------  ---------------                                                                 
Units end of year................           18,419            7,760                                                                 
                                   ===============  ===============                                                                 

                                                        [Enlarge/Download Table]

                                                                              FIDELITY VIP                    FIDELITY VIP         
                                       FIDELITY VIP FREEDOM 2050            FUNDSMANAGER 50%                FUNDSMANAGER 60%       
                                               DIVISION                         DIVISION                        DIVISION           
                                   --------------------------------  ------------------------------  ------------------------------
                                         2017          2016 (c)           2017            2016            2017            2016     
                                   ---------------  ---------------  --------------  --------------  --------------  --------------

                                                                                                                                   
Units beginning of year..........            6,075               --      22,355,817      22,380,417      22,614,243      24,528,850
Units issued and transferred                                                                                                       
   from other funding options....            7,180            7,018          86,412       1,194,730          26,377         183,635
Units redeemed and transferred to                                                                                                  
   other funding options.........          (4,702)            (943)     (1,242,071)     (1,219,330)     (2,912,441)     (2,098,242)
                                   ---------------  ---------------  --------------  --------------  --------------  --------------
Units end of year................            8,553            6,075      21,200,158      22,355,817      19,728,179      22,614,243
                                   ===============  ===============  ==============  ==============  ==============  ==============


                                            FIDELITY VIP                                                   FIDELITY VIP            
                                       GOVERNMENT MONEY MARKET           FIDELITY VIP GROWTH           INVESTMENT GRADE BOND       
                                              DIVISION                        DIVISION                       DIVISION              
                                   ------------------------------  ------------------------------  ------------------------------  
                                        2017            2016            2017            2016            2017            2016       
                                   --------------  --------------  --------------  --------------  --------------  --------------  

                                                                                                                                   
Units beginning of year..........         379,214         554,548       1,115,679       1,266,107         365,398         424,477  
Units issued and transferred                                                                                                       
   from other funding options....         130,667       1,494,955          34,152          36,633          34,876          45,073  
Units redeemed and transferred to                                                                                                  
   other funding options.........       (198,769)     (1,670,289)       (169,563)       (187,061)       (107,154)       (104,152)  
                                   --------------  --------------  --------------  --------------  --------------  --------------  
Units end of year................         311,112         379,214         980,268       1,115,679         293,120         365,398  
                                   ==============  ==============  ==============  ==============  ==============  ==============  


(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  SCHEDULES OF UNITS -- (CONCLUDED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016:                         

                                                        [Enlarge/Download Table]

                                                                         FTVIPT TEMPLETON                FTVIPT TEMPLETON        
                                       FIDELITY VIP MID CAP           DEVELOPING MARKETS VIP                FOREIGN VIP          
                                             DIVISION                        DIVISION                        DIVISION            
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017          2016 (a)          2017          2016 (a)          2017          2016 (a)   
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........          92,941              --         168,845              --             353              --
Units issued and transferred                                                                                                     
   from other funding options....           6,610          93,268          25,811         183,316             616             494
Units redeemed and transferred to                                                                                                
   other funding options.........        (18,433)           (327)       (110,778)        (14,471)           (810)           (141)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................          81,118          92,941          83,878         168,845             159             353
                                   ==============  ==============  ==============  ==============  ==============  ==============


                                                                                                         LMPVET CLEARBRIDGE      
                                       IVY VIP ASSET STRATEGY        JANUS HENDERSON ENTERPRISE         VARIABLE APPRECIATION    
                                              DIVISION                        DIVISION                        DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017            2016            2017          2016 (a)          2017          2016 (a)   
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........             183             191          31,893              --           5,096              --
Units issued and transferred                                                                                                     
   from other funding options....               5              27           2,537          32,704           1,552           5,238
Units redeemed and transferred to                                                                                                
   other funding options.........            (21)            (35)        (19,121)           (811)           (162)           (142)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................             167             183          15,309          31,893           6,486           5,096
                                   ==============  ==============  ==============  ==============  ==============  ==============

                                                        [Enlarge/Download Table]


                                         LMPVET CLEARBRIDGE              LMPVET CLEARBRIDGE              LMPVET CLEARBRIDGE      
                                     VARIABLE DIVIDEND STRATEGY       VARIABLE LARGE CAP GROWTH       VARIABLE SMALL CAP GROWTH  
                                              DIVISION                        DIVISION                        DIVISION           
                                   ------------------------------  ------------------------------  ------------------------------
                                        2017          2016 (a)          2017          2016 (a)          2017          2016 (a)   
                                   --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                 
Units beginning of year..........          52,618              --         224,143              --          12,622              --
Units issued and transferred                                                                                                     
   from other funding options....           3,419          52,618          31,352         229,023           1,436          12,728
Units redeemed and transferred to                                                                                                
   other funding options.........         (9,366)              --       (123,428)         (4,880)         (7,233)           (106)
                                   --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................          46,671          52,618         132,067         224,143           6,825          12,622
                                   ==============  ==============  ==============  ==============  ==============  ==============


                                                                                                      OPPENHEIMER                
                                                                                                     GLOBAL MULTI-               
                                               LMPVIT                      MORGAN STANLEY            ALTERNATIVES                
                                       WESTERN ASSET CORE PLUS        VIF GLOBAL INFRASTRUCTURE         FUND/VA                  
                                              DIVISION                        DIVISION                 DIVISION                  
                                   -------------------------------  ------------------------------  --------------               
                                         2017          2016 (a)          2017            2016          2017 (d)                  
                                   ---------------  --------------  --------------  --------------  --------------               

                                                                                                                                 
Units beginning of year..........           51,470              --           4,158           5,480              --               
Units issued and transferred                                                                                                     
   from other funding options....           19,420          54,795           1,158           1,637           1,578               
Units redeemed and transferred to                                                                                                
   other funding options.........         (39,754)         (3,325)           (694)         (2,959)              --               
                                   ---------------  --------------  --------------  --------------  --------------               
Units end of year................           31,136          51,470           4,622           4,158           1,578               
                                   ===============  ==============  ==============  ==============  ==============               

                                                        [Enlarge/Download Table]

                                        PIMCO VIT COMMODITY                 PIMCO VIT                      PIMCO VIT          
                                        REALRETURN STRATEGY           EMERGING MARKETS BOND           UNCONSTRAINED BOND      
                                             DIVISION                       DIVISION                       DIVISION           
                                   -----------------------------  -----------------------------  -----------------------------
                                        2017           2016            2017           2016           2017            2016     
                                   -------------  --------------  --------------  -------------  -------------  --------------

                                                                                                                              
Units beginning of year..........          6,890           6,911           8,142          7,377         11,278           6,574
Units issued and transferred                                                                                                  
   from other funding options....          2,358           1,305           1,408         11,712            936           6,685
Units redeemed and transferred to                                                                                             
   other funding options.........        (2,331)         (1,326)         (3,129)       (10,947)          (398)         (1,981)
                                   -------------  --------------  --------------  -------------  -------------  --------------
Units end of year................          6,917           6,890           6,421          8,142         11,816          11,278
                                   =============  ==============  ==============  =============  =============  ==============


                                         TAP 1919 VARIABLE                                                                    
                                   SOCIALLY RESPONSIVE BALANCED                                                               
                                             DIVISION                                                                         
                                   -----------------------------                                                              
                                        2017           2016                                                                   
                                   --------------  -------------                                                              

                                                                                                                              
Units beginning of year..........           1,649            501                                                              
Units issued and transferred                                                                                                  
   from other funding options....           3,765          1,175                                                              
Units redeemed and transferred to                                                                                             
   other funding options.........           (984)           (27)                                                              
                                   --------------  -------------                                                              
Units end of year................           4,430          1,649                                                              
                                   ==============  =============                                                              


(a) Commenced October 31, 2013 and began transactions in 2016.                  
(b) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                    
(c) Commenced May 1, 2015 and began transactions in 2016.                       
(d) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS                                                        

The Company sells a number of variable annuity products which have unique       
combinations of features and fees, some of which directly affect the unit       
values of the Divisions. Differences in the fee structures result in a variety  
of unit values, expense ratios, and total returns.                              

The following table is a summary of unit values and units outstanding for the   
Contracts, net assets, net investment income ratios, expense ratios, excluding  
expenses for the underlying fund, series, or portfolio, and total return ratios 
for the respective stated periods in the five years ended December 31, 2017:    

                                                        [Enlarge/Download Table]

                                                     AS OF DECEMBER 31                   
                                       ---------------------------------------------     
                                                        UNIT VALUE                       
                                                         LOWEST TO          NET          
                                           UNITS        HIGHEST ($)     ASSETS ($)       
                                       ------------  ---------------  --------------     
                                                                                         
American Funds Bond Division     2017     4,884,182     1.03 - 21.56      88,742,232     
                                 2016     5,189,712     1.01 - 20.94      92,324,388     
                                 2015     5,343,073     0.99 - 20.47      93,643,199     
                                 2014     5,917,641    14.68 - 20.55     105,024,754     
                                 2013     6,618,957    14.30 - 19.64     113,016,439     

American Funds Global Growth     2017        64,628             5.78         373,749     
   Division                      2016       124,565             4.44         552,875     
   (Commenced 10/31/2013                                                                 
   and began transactions in 2016)                                                       

American Funds Global Small      2017    11,417,354     4.37 - 51.69     501,546,451     
   Capitalization Division       2016    12,941,976     3.53 - 41.36     458,931,633     
                                 2015    14,155,887     3.51 - 40.82     497,974,630     
                                 2014    15,709,137     3.56 - 41.02     552,526,997     
                                 2013    16,907,172     3.54 - 40.47     588,501,415     

American Funds Growth            2017     3,364,829    1.82 - 424.27   1,071,645,690     
   Division                      2016     3,811,794    1.44 - 333.19     963,320,699     
                                 2015     4,232,055    1.35 - 306.61     997,764,490     
                                 2014     4,789,973    1.28 - 289.09   1,071,813,826     
                                 2013     5,377,037    1.20 - 268.43   1,121,813,455     

American Funds                   2017     3,958,831   20.90 - 278.86     845,856,636     
   Growth-Income Division        2016     4,507,518   17.35 - 229.57     798,505,698     
                                 2015     4,944,457   15.81 - 207.40     797,586,116     
                                 2014     5,420,861   15.84 - 205.97     871,662,648     
                                 2013     5,897,170   14.54 - 187.57     866,506,820     

BHFTI AB Global Dynamic          2017   116,190,138    13.28 - 14.20   1,634,691,183     
   Allocation Division           2016   127,172,700    11.94 - 12.64   1,594,255,019     
                                 2015   130,172,083    11.77 - 12.33   1,594,775,590     
                                 2014   131,033,623    11.93 - 12.37   1,616,024,275     
                                 2013   133,911,328    11.35 - 11.66   1,557,670,400     

BHFTI Allianz Global             2017    68,135,638      1.14 - 1.17      79,721,572     
   Investors Dynamic             2016    72,586,643      1.01 - 1.03      74,463,734     
   Multi-Asset Plus Division     2015    56,051,809      1.01 - 1.02      57,080,060     
   (Commenced 4/28/2014)         2014    11,555,790             1.04      12,033,381     

BHFTI American Funds             2017    58,085,561     1.59 - 17.34     919,484,643     
   Balanced Allocation Division  2016    62,532,762     1.38 - 14.89     854,544,975     
                                 2015    62,147,594     1.29 - 13.87     802,015,862     
                                 2014    62,423,987     1.32 - 14.01     823,208,734     
                                 2013    63,540,868     1.26 - 13.26     799,895,152     


                                                 FOR THE YEAR ENDED DECEMBER 31          
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
American Funds Bond Division     2017      1.88         0.50 - 2.15           1.31 - 3.00
                                 2016      1.67         0.50 - 2.15           0.60 - 2.28
                                 2015      1.62         0.50 - 2.30       (2.01) - (0.37)
                                 2014      1.87         0.50 - 2.55           2.63 - 4.60
                                 2013      1.73         0.65 - 2.55       (4.62) - (2.79)

American Funds Global Growth     2017      0.53                0.90                 30.30
   Division                      2016      1.37                0.90                (0.28)
   (Commenced 10/31/2013                                                                 
   and began transactions in 2016)                                                       

American Funds Global Small      2017      0.43         0.50 - 2.50         22.80 - 25.08
   Capitalization Division       2016      0.24         0.50 - 2.50         (0.42) - 1.44
                                 2015        --         0.50 - 2.55       (6.41) - (0.38)
                                 2014      0.12         0.50 - 2.55         (0.45) - 1.46
                                 2013      0.87         0.65 - 2.55         25.05 - 27.45

American Funds Growth            2017      0.49         0.50 - 2.35         25.32 - 27.34
   Division                      2016      0.76         0.50 - 2.35           6.95 - 8.67
                                 2015      0.58         0.50 - 2.35           4.38 - 6.17
                                 2014      0.77         0.50 - 2.55           5.78 - 7.81
                                 2013      0.92         0.65 - 2.55         18.89 - 29.26

American Funds                   2017      1.36         0.50 - 2.35         19.55 - 21.47
   Growth-Income Division        2016      1.46         0.50 - 2.35          8.88 - 10.69
                                 2015      1.28         0.50 - 2.55         (1.10) - 0.80
                                 2014      1.27         0.50 - 2.55           7.85 - 9.92
                                 2013      1.34         0.65 - 2.55         30.14 - 32.64

BHFTI AB Global Dynamic          2017      1.48         1.10 - 2.10         11.26 - 12.38
   Allocation Division           2016      1.59         1.10 - 2.10           1.44 - 2.46
                                 2015      3.26         1.10 - 2.10       (1.51) - (0.52)
                                 2014      1.94         1.15 - 2.15           5.06 - 6.12
                                 2013      1.24         1.15 - 2.15           8.78 - 9.88

BHFTI Allianz Global             2017      1.51         1.15 - 2.00         13.21 - 14.17
   Investors Dynamic             2016      0.05         1.15 - 2.00         (0.02) - 0.83
   Multi-Asset Plus Division     2015      1.82         1.15 - 2.00       (2.94) - (2.12)
   (Commenced 4/28/2014)         2014      0.87         1.15 - 2.15           3.84 - 4.55

BHFTI American Funds             2017      1.49         0.50 - 2.10         14.44 - 16.44
   Balanced Allocation Division  2016      1.62         0.50 - 2.10           5.57 - 7.34
                                 2015      1.39         0.50 - 2.10       (2.77) - (0.97)
                                 2014      1.26         0.50 - 2.30           3.64 - 5.70
                                 2013      1.35         0.50 - 2.30         15.84 - 18.14

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                       AS OF DECEMBER 31                  
                                         ---------------------------------------------    
                                                          UNIT VALUE                      
                                                           LOWEST TO          NET         
                                             UNITS        HIGHEST ($)     ASSETS ($)      
                                         ------------  ---------------  --------------    
                                                                                          
BHFTI American Funds Growth        2017    28,757,029     1.67 - 17.99     479,556,343    
   Allocation Division             2016    30,410,462     1.44 - 14.90     423,353,677    
                                   2015    31,243,407     1.33 - 13.75     404,659,720    
                                   2014    32,454,186    12.33 - 13.92     428,719,024    
                                   2013    33,203,104    11.86 - 13.15     417,519,485    

BHFTI American Funds Growth        2017    20,103,266     2.01 - 20.37     395,973,373    
   Division                        2016    23,833,859     1.59 - 16.08     371,921,161    
                                   2015    25,483,182     1.47 - 14.88     369,229,553    
                                   2014    27,479,262    12.93 - 13.92     379,282,255    
                                   2013    28,606,942    12.22 - 13.01     369,736,899    

BHFTI American Funds               2017    63,563,450     1.55 - 16.10     949,575,557    
   Moderate Allocation Division    2016    70,805,087     1.38 - 14.32     943,720,963    
                                   2015    73,866,251    11.89 - 13.45     936,586,101    
                                   2014    76,352,619    12.07 - 13.62     987,325,915    
                                   2013    78,734,890    11.64 - 12.90     971,848,247    

BHFTI AQR Global Risk              2017   104,234,505    10.64 - 11.96   1,234,346,275    
   Balanced Division               2016   115,858,295     9.81 - 11.01   1,265,046,973    
                                   2015   126,093,556     9.12 - 10.21   1,279,345,923    
                                   2014   138,096,106    10.21 - 11.40   1,568,831,639    
                                   2013   152,729,567    10.79 - 11.09   1,689,296,732    

BHFTI BlackRock Global             2017   151,440,679    12.70 - 13.53   2,029,561,004    
   Tactical Strategies Division    2016   166,138,266    11.44 - 12.07   1,989,443,856    
                                   2015   172,629,165    11.18 - 11.69   2,004,095,320    
                                   2014   173,246,218    11.38 - 11.81   2,038,618,922    
                                   2013   177,074,342    10.98 - 11.28   1,991,834,922    

BHFTI BlackRock High Yield         2017        33,615     3.33 - 31.86         413,602    
   Division                        2016        35,582     3.12 - 29.89         331,029    
   (Commenced 12/13/2013           2015        13,360     2.76 - 26.52         172,276    
   and began transactions in 2014) 2014         5,135     2.90 - 27.94          15,808    

BHFTI Brighthouse Asset            2017    10,787,709     2.14 - 40.84     248,628,040    
   Allocation 100 Division         2016    11,416,804     1.76 - 33.59     218,682,416    
                                   2015    11,824,914     1.63 - 31.18     214,215,734    
                                   2014    12,211,757     1.68 - 32.14     230,931,939    
                                   2013    12,315,616    14.47 - 30.96     228,507,697    

BHFTI Brighthouse Balanced         2017   254,482,460    14.31 - 15.35   3,869,437,236    
   Plus Division                   2016   267,191,129    12.36 - 13.12   3,476,074,955    
                                   2015   269,246,848    11.65 - 12.24   3,272,800,741    
                                   2014   257,684,739    12.41 - 12.88   3,306,532,931    
                                   2013   232,765,795    11.57 - 11.88   2,758,152,662    

BHFTI Brighthouse Small Cap        2017       611,465     3.49 - 37.18      19,791,285    
   Value Division                  2016       648,258     3.15 - 33.45      18,727,164    
                                   2015       655,473    22.19 - 25.61      15,330,460    
                                   2014       671,658    23.82 - 27.21      16,801,002    
                                   2013       677,162    23.78 - 26.89      16,848,467    


                                                  FOR THE YEAR ENDED DECEMBER 31          
                                         -------------------------------------------------
                                         INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                            INCOME          LOWEST TO         LOWEST TO   
                                           RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                         -------------  ----------------  ----------------
                                                                                          
BHFTI American Funds Growth        2017      1.24         0.50 - 2.15        18.77 - 20.74
   Allocation Division             2016      1.31         0.50 - 2.15          6.64 - 8.42
                                   2015      1.31         0.50 - 2.30      (3.01) - (1.25)
                                   2014      1.02         0.50 - 2.30          3.97 - 5.86
                                   2013      0.99         0.50 - 2.30        22.26 - 24.48

BHFTI American Funds Growth        2017      0.40         0.95 - 2.25        25.06 - 26.70
   Division                        2016      0.30         0.95 - 2.25          6.67 - 8.07
                                   2015      0.87         0.95 - 2.25          1.83 - 5.33
                                   2014      0.55         1.15 - 2.25          0.53 - 6.95
                                   2013      0.44         1.15 - 2.25        26.90 - 28.30

BHFTI American Funds               2017      1.77         0.50 - 2.10        10.62 - 12.40
   Moderate Allocation Division    2016      1.91         0.50 - 2.10          4.79 - 6.48
                                   2015      1.49         0.50 - 2.10      (2.79) - (1.22)
                                   2014      1.45         0.50 - 2.30          3.68 - 5.57
                                   2013      1.64         0.50 - 2.30        10.94 - 12.95

BHFTI AQR Global Risk              2017      1.71         1.10 - 2.10          7.53 - 8.60
   Balanced Division               2016        --         1.10 - 2.15          6.64 - 7.77
                                   2015      5.49         1.10 - 2.15     (11.50) - (4.32)
                                   2014        --         1.15 - 2.15          1.79 - 2.81
                                   2013      2.07         1.15 - 2.15      (5.45) - (4.50)

BHFTI BlackRock Global             2017      0.67         1.10 - 2.05        11.02 - 12.07
   Tactical Strategies Division    2016      1.45         1.10 - 2.05          2.31 - 3.29
                                   2015      1.53         1.10 - 2.05      (2.14) - (1.20)
                                   2014      1.12         1.15 - 2.15          3.66 - 4.70
                                   2013      1.33         1.15 - 2.15          7.96 - 9.05

BHFTI BlackRock High Yield         2017      5.40         0.90 - 1.60          6.05 - 7.10
   Division                        2016      5.83         0.90 - 1.60        12.17 - 13.24
   (Commenced 12/13/2013           2015      5.69         1.10 - 1.60      (5.57) - (4.84)
   and began transactions in 2014) 2014        --         0.90 - 1.15        (1.82) - 2.48

BHFTI Brighthouse Asset            2017      1.34         0.50 - 2.05        20.45 - 22.32
   Allocation 100 Division         2016      2.39         0.50 - 2.05          6.77 - 8.43
                                   2015      1.40         0.50 - 2.05      (4.00) - (2.50)
                                   2014      0.81         0.50 - 2.05          2.96 - 4.56
                                   2013      0.59         0.50 - 2.30        16.29 - 28.86

BHFTI Brighthouse Balanced         2017      1.55         1.10 - 2.15        15.82 - 17.04
   Plus Division                   2016      2.87         1.10 - 2.15          6.06 - 7.18
                                   2015      2.09         1.10 - 2.15      (6.13) - (5.14)
                                   2014      1.73         1.15 - 2.15          7.32 - 8.39
                                   2013      1.12         1.15 - 2.15        11.93 - 13.05

BHFTI Brighthouse Small Cap        2017      0.91         0.50 - 1.55         9.99 - 11.14
   Value Division                  2016      1.05         0.50 - 1.55        29.24 - 30.60
                                   2015      0.09         0.50 - 1.55      (6.86) - (5.88)
                                   2014      0.04         0.50 - 1.55          0.15 - 1.21
                                   2013      0.94         0.50 - 1.55        30.41 - 31.79


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                 
                                       ----------------------------------------------   
                                                        UNIT VALUE                      
                                                         LOWEST TO           NET        
                                           UNITS        HIGHEST ($)      ASSETS ($)     
                                       ------------  ----------------  --------------   
                                                                                        
BHFTI Brighthouse/Aberdeen       2017     4,781,863      1.32 - 12.72      58,423,937   
   Emerging Markets Equity       2016     5,375,922      1.03 - 10.01      51,521,589   
   Division                      2015     5,630,392       7.99 - 9.06      49,518,855   
                                 2014     5,102,751      1.09 - 10.43      52,734,725   
                                 2013     4,752,160     10.37 - 11.29      53,202,058   

BHFTI Brighthouse/Artisan        2017           256             10.98           2,810   
   International Division        2016           313              8.47           2,647   
   (Commenced 11/19/2014 and     2015           308              9.46           2,913   
   began transactions in 2015)                                                          

BHFTI Brighthouse/Eaton          2017     2,489,148     11.34 - 12.20      29,625,659   
   Vance Floating Rate Division  2016     2,268,533     11.17 - 11.90      26,476,747   
                                 2015     1,831,052     10.43 - 11.01      19,924,175   
                                 2014     1,809,222     10.74 - 11.20      20,128,137   
                                 2013     1,555,867     10.88 - 11.25      17,414,855   

BHFTI Brighthouse/Franklin       2017     8,361,024      9.56 - 10.57      83,966,094   
   Low Duration Total Return     2016     8,173,168      9.63 - 10.48      82,027,391   
   Division                      2015     8,644,210      9.52 - 10.22      85,200,113   
                                 2014     9,626,185      9.76 - 10.33      96,688,495   
                                 2013     7,621,281      9.86 - 10.27      76,708,364   

BHFTI Brighthouse/Templeton      2017       589,796     11.83 - 12.96       7,449,814   
   International Bond Division   2016       610,154     12.06 - 13.07       7,790,764   
                                 2015       611,605     12.19 - 13.08       7,837,819   
                                 2014       617,146     12.98 - 13.62       8,355,488   
                                 2013       656,394     13.09 - 13.62       8,897,037   

BHFTI                            2017    11,512,938     2.28 - 455.44     764,291,187   
   Brighthouse/Wellington    2016 (a)    12,937,320     1.89 - 372.76     703,695,885   
   Large Cap Research        2015 (a)    14,241,297    10.89 - 343.28     724,175,878   
   Division                  2014 (a)    15,681,974    10.57 - 327.95     776,280,727   
                             2013 (a)    17,016,773     9.43 - 288.01     755,010,557   

BHFTI Clarion Global Real        2017    10,875,352      2.13 - 22.47     218,280,039   
   Estate Division               2016    12,014,777      1.94 - 20.39     220,012,334   
                                 2015    12,591,472      1.94 - 20.32     233,288,277   
                                 2014    13,729,569      1.98 - 20.71     260,956,015   
                                 2013    14,902,299      2.97 - 18.38     253,186,000   

BHFTI ClearBridge                2017    29,749,965     1.75 - 392.14     575,606,365   
   Aggressive Growth Division    2016    34,182,457     1.49 - 332.84     556,843,925   
                                 2015    38,732,875     1.47 - 325.77     615,095,439   
                                 2014    40,881,802     1.55 - 341.18     672,850,047   
                                 2013    13,366,239      1.32 - 21.07     170,478,449   

BHFTI Harris Oakmark             2017    16,803,885      3.29 - 38.42     554,231,973   
   International Division        2016    19,261,195      2.55 - 29.60     494,276,831   
                                 2015    20,998,453      2.38 - 27.50     503,695,677   
                                 2014    21,821,539      2.51 - 28.95     553,476,475   
                                 2013    22,039,138      2.82 - 30.88     597,907,512   


                                                FOR THE YEAR ENDED DECEMBER 31          
                                       -------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                          INCOME          LOWEST TO         LOWEST TO   
                                         RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                       -------------  ----------------  ----------------
                                                                                        
BHFTI Brighthouse/Aberdeen       2017      1.09          0.90 - 2.25       25.48 - 27.44
   Emerging Markets Equity       2016      0.97          0.90 - 2.25        9.02 - 10.83
   Division                      2015      1.79          0.95 - 2.25    (15.73) - (2.68)
                                 2014      0.84          0.90 - 2.25     (8.60) - (7.07)
                                 2013      1.05          1.15 - 2.25     (7.10) - (6.07)

BHFTI Brighthouse/Artisan        2017      1.08                 1.35               29.58
   International Division        2016      0.90                 1.35             (10.49)
   (Commenced 11/19/2014 and     2015      0.74                 1.35              (4.78)
   began transactions in 2015)                                                          

BHFTI Brighthouse/Eaton          2017      3.78          1.10 - 2.05         1.58 - 2.55
   Vance Floating Rate Division  2016      3.80          1.10 - 2.05         7.05 - 8.07
                                 2015      3.48          1.10 - 2.05     (2.85) - (1.92)
                                 2014      3.50          1.15 - 2.05     (1.31) - (0.42)
                                 2013      3.11          1.15 - 2.05         1.73 - 2.65

BHFTI Brighthouse/Franklin       2017      1.43          0.50 - 2.00       (0.67) - 0.83
   Low Duration Total Return     2016      2.92          0.50 - 2.00         1.09 - 2.62
   Division                      2015      3.05          0.50 - 2.00     (2.59) - (0.89)
                                 2014      2.12          0.50 - 2.05       (0.99) - 0.55
                                 2013      0.94          0.50 - 2.05       (0.89) - 0.66

BHFTI Brighthouse/Templeton      2017        --          0.95 - 2.00     (1.84) - (0.80)
   International Bond Division   2016        --          0.95 - 2.00     (1.12) - (0.08)
                                 2015      8.18          0.95 - 2.00       (6.06) - 0.75
                                 2014      4.57          1.15 - 2.00     (2.25) - (0.02)
                                 2013      1.97          1.15 - 2.00     (0.96) - (0.12)

BHFTI                            2017      1.05          0.00 - 2.50       19.14 - 22.18
   Brighthouse/Wellington    2016 (a)      2.40          0.00 - 2.50         5.78 - 8.59
   Large Cap Research        2015 (a)      0.91        (0.08) - 2.50         2.09 - 4.67
   Division                  2014 (a)      0.91        (0.08) - 2.50       10.89 - 13.87
                             2013 (a)      1.40          0.42 - 2.22       31.42 - 34.60

BHFTI Clarion Global Real        2017      3.47          0.50 - 2.25        8.29 - 10.26
   Estate Division               2016      2.09          0.50 - 2.25       (1.37) - 0.50
                                 2015      3.83          0.50 - 2.25       (3.60) - 3.43
                                 2014      1.60          0.50 - 2.30        1.06 - 12.94
                                 2013      6.76          0.50 - 2.30         1.19 - 3.09

BHFTI ClearBridge                2017      0.75          0.50 - 2.25       15.78 - 17.93
   Aggressive Growth Division    2016      0.43          0.50 - 2.25         0.40 - 2.32
                                 2015      0.25          0.50 - 2.25     (6.17) - (4.43)
                                 2014      0.07          0.50 - 2.30        1.57 - 18.35
                                 2013      0.25          0.95 - 2.30       13.14 - 44.54

BHFTI Harris Oakmark             2017      1.64          0.50 - 2.25       27.54 - 29.94
   International Division        2016      2.14          0.50 - 2.25         5.77 - 7.73
                                 2015      3.00          0.50 - 2.25     (6.65) - (3.85)
                                 2014      2.40          0.50 - 2.30     (7.93) - (6.13)
                                 2013      2.49          0.50 - 2.30       27.52 - 29.96


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                 
                                     ----------------------------------------------   
                                                      UNIT VALUE                      
                                                       LOWEST TO           NET        
                                         UNITS        HIGHEST ($)      ASSETS ($)     
                                     ------------  ----------------  --------------   
                                                                                      
BHFTI Invesco Balanced-Risk    2017   445,688,739       1.19 - 1.25     556,009,732   
   Allocation Division         2016   454,902,610       1.10 - 1.15     522,371,527   
                               2015   436,683,517      1.01 - 10.52     454,441,516   
                               2014   416,774,221       1.08 - 1.10     458,464,882   
                               2013   411,037,657       1.04 - 1.06     433,699,152   

BHFTI Invesco Comstock         2017        10,379      1.45 - 21.80          47,958   
   Division                    2016         7,061      1.24 - 18.67          14,408   
   (Commenced 12/13/2013 and   2015           549     15.67 - 16.10           8,672   
   began transactions in 2015)                                                        

BHFTI Invesco Small Cap        2017     1,615,884      3.53 - 40.53      56,474,486   
   Growth Division             2016     1,830,196      2.85 - 32.50      51,145,397   
                               2015     1,959,481      2.60 - 29.31      50,546,958   
                               2014     2,037,765      2.68 - 29.97      54,115,294   
                               2013     2,095,080      2.52 - 27.91      52,424,234   

BHFTI JPMorgan Core Bond       2017     8,421,961     10.01 - 11.54      95,678,197   
   Division                    2016     8,737,449      9.84 - 11.30      97,321,513   
                               2015     8,785,778      9.78 - 11.19      97,049,152   
                               2014     8,518,360     10.46 - 11.26      94,969,104   
                               2013     8,259,461     10.18 - 10.84      88,832,323   

BHFTI JPMorgan Global          2017   606,636,328      1.35 - 14.32     861,680,922   
   Active Allocation Division  2016   658,264,125      1.18 - 12.41     811,489,227   
                               2015   631,444,568      1.18 - 12.19     765,909,740   
                               2014   549,720,767       1.19 - 1.22     669,115,337   
                               2013   480,114,419       1.14 - 1.15     553,137,848   

BHFTI JPMorgan Small Cap       2017     1,036,634      2.62 - 24.78      24,628,939   
   Value Division              2016     1,149,179      2.55 - 24.25      26,497,515   
                               2015     1,050,675      1.97 - 18.69      19,373,472   
                               2014     1,047,237     18.72 - 20.42      21,130,600   
                               2013     1,010,455     18.31 - 19.79      19,791,903   

BHFTI Loomis Sayles Global     2017     5,880,789      1.85 - 22.30     124,432,486   
   Markets Division            2016     6,761,244      1.53 - 18.33     117,860,066   
                               2015     6,737,799      1.48 - 17.69     114,155,824   
                               2014     7,240,094      1.48 - 17.59     122,949,006   
                               2013     7,711,782      1.44 - 17.20     128,415,699   

BHFTI MetLife Multi-Index      2017   689,687,735      1.34 - 14.11     966,194,514   
   Targeted Risk Division      2016   733,282,833      1.18 - 12.35     900,136,783   
                               2015   650,031,968      1.16 - 11.96     774,094,507   
                               2014   412,273,295       1.20 - 1.22     503,156,737   
                               2013   231,254,962       1.12 - 1.13     261,549,603   

BHFTI MFS Research             2017    11,333,543      1.94 - 22.16     202,267,389   
   International Division      2016    13,120,940      1.53 - 17.41     185,265,721   
                               2015    14,035,549      1.57 - 17.69     201,136,412   
                               2014    15,153,081      1.62 - 18.13     221,624,094   
                               2013    16,065,546      1.76 - 19.62     252,471,398   


                                              FOR THE YEAR ENDED DECEMBER 31          
                                     -------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                        INCOME          LOWEST TO         LOWEST TO   
                                       RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                     -------------  ----------------  ----------------
                                                                                      
BHFTI Invesco Balanced-Risk    2017      3.73          1.15 - 2.10         7.72 - 8.75
   Allocation Division         2016      0.15          1.15 - 2.10        9.40 - 10.44
                               2015      2.77          1.10 - 2.10     (6.20) - (5.25)
                               2014        --          1.15 - 2.10         3.39 - 4.37
                               2013        --          1.15 - 2.10       (0.26) - 0.70

BHFTI Invesco Comstock         2017      2.63          0.90 - 1.35       16.44 - 16.97
   Division                    2016      2.45          0.90 - 1.35       15.73 - 16.25
   (Commenced 12/13/2013 and   2015      1.42          1.10 - 1.35     (7.23) - (7.00)
   began transactions in 2015)                                                        

BHFTI Invesco Small Cap        2017        --          0.50 - 2.15       22.78 - 24.71
   Growth Division             2016        --          0.50 - 2.25        8.96 - 10.88
                               2015        --          0.50 - 2.25     (3.90) - (2.20)
                               2014        --          0.50 - 2.30         5.46 - 7.37
                               2013      0.24          0.50 - 2.30       36.99 - 39.48

BHFTI JPMorgan Core Bond       2017      2.47          1.10 - 2.05         1.22 - 2.18
   Division                    2016      2.82          1.10 - 2.25       (0.04) - 1.11
                               2015      2.31          1.10 - 2.25     (1.75) - (0.62)
                               2014      1.47          1.15 - 2.25         2.75 - 3.89
                               2013      0.27          1.15 - 2.25     (4.89) - (3.86)

BHFTI JPMorgan Global          2017      2.54          1.10 - 2.10       14.24 - 15.38
   Active Allocation Division  2016      2.12          1.10 - 2.10         0.76 - 1.78
                               2015      2.69          1.10 - 2.10     (1.20) - (0.21)
                               2014      1.11          1.15 - 2.10         4.75 - 5.75
                               2013      0.07          1.15 - 2.10         8.68 - 9.72

BHFTI JPMorgan Small Cap       2017      1.13          0.90 - 2.05         1.22 - 2.70
   Value Division              2016      1.60          0.90 - 2.05       27.86 - 29.68
                               2015      1.12          0.90 - 2.05     (9.31) - (8.08)
                               2014      0.86          1.15 - 2.05         2.25 - 3.18
                               2013      0.48          1.15 - 2.05       30.21 - 31.38

BHFTI Loomis Sayles Global     2017      1.39          0.50 - 2.25       20.24 - 22.36
   Markets Division            2016      1.68          0.50 - 2.25         2.45 - 4.25
                               2015      1.58          0.50 - 2.25       (1.02) - 0.72
                               2014      2.10          0.50 - 2.25         1.17 - 2.95
                               2013      0.72          0.50 - 2.25       10.52 - 15.79

BHFTI MetLife Multi-Index      2017      1.47          0.90 - 2.10       13.15 - 14.51
   Targeted Risk Division      2016      1.32          0.90 - 2.10         2.19 - 3.43
                               2015      1.20          1.10 - 2.10     (3.26) - (2.29)
                               2014        --          1.15 - 2.10         6.99 - 8.01
                               2013      0.56          1.15 - 2.10       10.60 - 11.65

BHFTI MFS Research             2017      1.80          0.50 - 2.15       25.62 - 27.52
   International Division      2016      2.07          0.50 - 2.15     (2.89) - (1.37)
                               2015      2.78          0.50 - 2.15     (3.85) - (2.26)
                               2014      2.29          0.50 - 2.15     (8.84) - (7.41)
                               2013      2.62          0.50 - 2.30       16.55 - 18.66


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                  
                                    ---------------------------------------------    
                                                    UNIT VALUE                       
                                                     LOWEST TO           NET         
                                        UNITS       HIGHEST ($)      ASSETS ($)      
                                    ------------  ---------------  --------------    
                                                                                     
BHFTI Morgan Stanley Mid      2017    13,380,312     2.38 - 28.42     339,623,699    
   Cap Growth Division        2016    14,691,729     1.72 - 20.41     269,357,054    
                              2015    15,711,674     1.91 - 22.41     318,386,768    
                              2014    17,054,063     2.04 - 23.71     367,615,842    
                              2013    18,525,106     2.04 - 23.59     399,201,501    

BHFTI Oppenheimer Global      2017    15,776,074     1.44 - 40.36     282,853,081    
   Equity Division            2016    16,415,762     1.07 - 29.72     240,714,689    
                              2015    15,876,834     1.08 - 29.85     268,477,388    
                              2014    14,055,032     1.17 - 28.93     271,471,540    
                              2013    13,534,026     1.16 - 28.50     284,310,727    

BHFTI PanAgora Global         2017    80,775,666      1.15 - 1.19      95,392,815    
   Diversified Risk Division  2016    74,593,960      1.04 - 1.06      79,219,064    
   (Commenced 4/28/2014)      2015    27,943,566      0.96 - 0.97      27,029,557    
                              2014     6,388,541      1.03 - 1.04       6,621,678    

BHFTI PIMCO Inflation         2017    28,145,710     1.02 - 17.24     425,983,675    
   Protected Bond Division    2016    29,444,296     1.00 - 16.72     435,880,990    
                              2015    31,458,298    12.65 - 16.00     451,404,388    
                              2014    34,187,129     0.99 - 16.59     512,607,268    
                              2013    37,956,426    13.20 - 16.18     559,896,326    

BHFTI PIMCO Total Return      2017    49,441,770     1.85 - 21.36     908,315,454    
   Division                   2016    52,424,443     1.80 - 20.54     925,935,319    
                              2015    56,338,885     1.77 - 20.12     994,182,970    
                              2014    61,356,539     1.80 - 20.22   1,090,762,284    
                              2013    67,960,498     1.75 - 19.51   1,166,300,320    

BHFTI Pyramis Government      2017    41,565,748    10.44 - 11.12     458,735,090    
   Income Division            2016    47,006,535    10.39 - 10.99     511,947,386    
                              2015    46,949,292    10.52 - 10.97     511,078,026    
                              2014    48,686,003    10.63 - 11.02     534,446,057    
                              2013    52,430,597    10.09 - 10.37     541,918,855    

BHFTI Schroders Global        2017   395,258,412     1.36 - 14.41     564,139,933    
   Multi-Asset Division       2016   424,763,788     1.21 - 12.75     537,033,268    
                              2015   411,432,972     1.17 - 12.20     498,402,470    
                              2014   344,932,808      1.21 - 1.24     426,762,086    
                              2013   307,834,445      1.15 - 1.16     357,921,883    

BHFTI Schroders Global        2017    31,603,768     1.36 - 13.47     422,442,899    
   Multi-Asset II Division    2016    32,392,292     1.18 - 11.70     376,214,055    
   (Commenced 4/29/2013)      2015    27,478,865    11.04 - 11.31     309,530,805    
                              2014    11,024,305     1.16 - 11.57     127,322,331    
                              2013     5,324,485    10.71 - 10.77      57,316,477    

BHFTI SSGA Growth and         2017    49,193,853    15.92 - 19.37     869,542,351    
   Income ETF Division        2016    55,792,678    14.03 - 16.80     861,727,162    
                              2015    59,547,628    13.54 - 15.96     880,260,118    
                              2014    62,846,863    14.11 - 16.36     959,208,935    
                              2013    67,092,231    13.39 - 15.54     979,735,898    


                                             FOR THE YEAR ENDED DECEMBER 31          
                                    -------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                       INCOME          LOWEST TO         LOWEST TO   
                                      RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                    -------------  ----------------  ----------------
                                                                                     
BHFTI Morgan Stanley Mid      2017      0.30         0.50 - 2.25        36.81 - 39.22
   Cap Growth Division        2016        --         0.50 - 2.25     (10.50) - (8.92)
                              2015        --         0.50 - 2.30      (7.18) - (5.50)
                              2014      0.04         0.50 - 2.30        (1.37) - 0.51
                              2013      0.76         0.50 - 2.30        35.86 - 38.33

BHFTI Oppenheimer Global      2017      0.99         0.50 - 2.15        33.90 - 36.24
   Equity Division            2016      1.03         0.50 - 2.15      (1.85) - (0.16)
                              2015      1.04         0.50 - 2.15        (1.43) - 3.50
                              2014      0.91         0.50 - 2.30        (0.28) - 1.75
                              2013      1.77         0.50 - 2.30        15.42 - 26.60

BHFTI PanAgora Global         2017        --         1.15 - 2.00        10.37 - 11.31
   Diversified Risk Division  2016      2.54         1.15 - 2.00          8.92 - 9.85
   (Commenced 4/28/2014)      2015      0.59         1.15 - 2.00      (7.35) - (6.56)
                              2014      0.51         1.15 - 2.00          3.16 - 3.75

BHFTI PIMCO Inflation         2017      1.56         0.50 - 2.25          1.17 - 3.14
   Protected Bond Division    2016        --         0.50 - 2.25          2.65 - 4.49
                              2015      4.92         0.50 - 2.25      (5.27) - (1.92)
                              2014      1.55         0.50 - 2.30        (1.54) - 2.51
                              2013      2.20         0.50 - 2.30     (11.34) - (9.57)

BHFTI PIMCO Total Return      2017      1.78         0.50 - 2.25          2.18 - 4.10
   Division                   2016      2.59         0.50 - 2.25          0.33 - 2.18
                              2015      5.31         0.50 - 2.25      (2.22) - (0.36)
                              2014      2.35         0.50 - 2.30          0.46 - 3.82
                              2013      4.24         0.50 - 2.30      (4.15) - (2.36)

BHFTI Pyramis Government      2017      2.20         1.15 - 2.10          0.47 - 1.43
   Income Division            2016      2.08         1.10 - 2.10        (0.79) - 0.21
                              2015      2.33         1.10 - 2.00      (1.56) - (0.67)
                              2014      2.60         1.15 - 2.15          5.27 - 6.33
                              2013      1.51         1.15 - 2.15      (6.55) - (5.61)

BHFTI Schroders Global        2017      0.79         1.10 - 2.10        11.93 - 13.05
   Multi-Asset Division       2016      1.41         1.10 - 2.15          3.41 - 4.50
                              2015      1.00         1.10 - 2.15      (2.99) - (1.96)
                              2014      1.29         1.15 - 2.15          5.45 - 6.51
                              2013      0.01         1.15 - 2.15          7.77 - 8.85

BHFTI Schroders Global        2017      1.02         0.90 - 2.10        14.06 - 15.43
   Multi-Asset II Division    2016      0.76         0.90 - 2.00          2.50 - 3.63
   (Commenced 4/29/2013)      2015      0.68         1.10 - 2.00      (3.21) - (2.33)
                              2014        --         0.90 - 2.00          6.49 - 7.67
                              2013      1.64         1.15 - 2.00          4.83 - 5.43

BHFTI SSGA Growth and         2017      2.43         0.50 - 2.10        13.46 - 15.28
   Income ETF Division        2016      2.36         0.50 - 2.10          3.59 - 5.26
                              2015      2.30         0.50 - 2.10      (4.00) - (2.45)
                              2014      2.23         0.50 - 2.10          0.03 - 5.28
                              2013      2.50         0.50 - 2.30        10.36 - 12.37


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                  
                                       ----------------------------------------------    
                                                        UNIT VALUE                       
                                                         LOWEST TO           NET         
                                           UNITS        HIGHEST ($)      ASSETS ($)      
                                       ------------  ----------------  --------------    
                                                                                         
BHFTI SSGA Growth ETF            2017     8,624,728     16.40 - 19.95     157,056,020    
   Division                      2016     9,414,590     14.15 - 16.76     145,066,205    
                                 2015    10,147,586     13.51 - 15.76     148,082,202    
                                 2014    10,488,338     13.72 - 16.21     158,546,674    
                                 2013    10,380,683     13.32 - 15.46     150,739,383    

BHFTI T. Rowe Price Large        2017        23,096    11.13 - 105.25         578,718    
   Cap Value Division            2016        22,303      9.61 - 90.99         441,526    
   (Commenced 12/13/2013 and     2015         1,871     69.65 - 79.35         137,796    
   began transactions in 2015)                                                           

BHFTI T. Rowe Price Mid Cap      2017    21,768,491      2.33 - 41.02     506,160,540    
   Growth Division               2016    23,983,678      1.90 - 33.09     451,415,560    
                                 2015    25,470,150      1.81 - 31.36     456,943,184    
                                 2014    25,170,863      1.72 - 29.62     425,918,797    
                                 2013    25,949,981      1.54 - 26.45     393,848,239    

BHFTI TCW Core Fixed Income      2017        25,274     10.02 - 10.12         255,408    
   Division                      2016        31,998       9.90 - 9.97         318,472    
   (Commenced 5/1/2015)          2015         2,096              9.86          20,663    

BHFTI Victory Sycamore Mid       2017    10,507,414      4.03 - 47.43     424,806,982    
   Cap Value Division            2016    11,613,954      3.73 - 43.54     432,480,626    
                                 2015    12,869,603      3.27 - 37.88     422,756,206    
                                 2014    13,839,475      3.65 - 41.83     504,220,570    
                                 2013    15,543,270      3.37 - 38.34     517,780,861    

BHFTI Wells Capital              2017        12,681     25.94 - 27.78         342,503    
   Management Mid Cap Value      2016        13,137     23.79 - 25.35         324,307    
   Division                      2015         7,543     21.36 - 22.65         166,859    
   (Commenced 11/19/2014 and                                                             
   began transactions in 2015)                                                           

BHFTII Baillie Gifford           2017     7,456,089      1.96 - 23.68     139,877,341    
   International Stock Division  2016     8,556,834      1.47 - 17.69     120,269,128    
                                 2015     9,402,801      1.41 - 16.94     126,876,615    
                                 2014    10,404,687      1.46 - 17.45     143,934,419    
                                 2013    11,503,447      1.53 - 18.18     162,561,055    

BHFTII BlackRock Bond            2017     9,495,090      6.86 - 84.41     455,410,535    
   Income Division               2016    10,189,467      6.68 - 81.69     470,040,574    
                                 2015    10,737,933      6.57 - 79.81     478,889,253    
                                 2014    11,340,124      6.62 - 79.94     498,013,818    
                                 2013    11,954,730      6.26 - 75.22     478,446,482    

BHFTII BlackRock Capital         2017     5,314,588      6.54 - 75.43     187,945,552    
   Appreciation Division         2016     5,990,155      4.95 - 56.76     162,149,281    
                                 2015     6,648,572      5.01 - 57.13     180,849,248    
                                 2014     7,221,426      4.78 - 54.16     184,744,024    
                                 2013     8,057,400      4.45 - 50.10     189,056,520    


                                                 FOR THE YEAR ENDED DECEMBER 31          
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
BHFTI SSGA Growth ETF            2017      2.09          0.50 - 2.10        17.16 - 19.04
   Division                      2016      2.15          0.50 - 2.00          4.76 - 6.35
                                 2015      1.99          0.50 - 2.00      (4.25) - (2.80)
                                 2014      1.90          0.50 - 2.30          2.98 - 4.85
                                 2013      2.03          0.50 - 2.30        15.39 - 17.48

BHFTI T. Rowe Price Large        2017      2.07          0.90 - 1.60        15.10 - 15.90
   Cap Value Division            2016      2.66          0.90 - 1.60        14.10 - 14.90
   (Commenced 12/13/2013 and     2015      0.63          1.10 - 1.60      (5.12) - (4.64)
   began transactions in 2015)                                                           

BHFTI T. Rowe Price Mid Cap      2017        --          0.50 - 2.25        21.98 - 24.12
   Growth Division               2016        --          0.50 - 2.25          3.85 - 5.69
                                 2015        --          0.50 - 2.25          4.30 - 6.14
                                 2014        --          0.50 - 2.25        10.27 - 12.21
                                 2013      0.24          0.50 - 2.30        33.47 - 35.90

BHFTI TCW Core Fixed Income      2017      1.60          1.20 - 1.60          1.19 - 1.59
   Division                      2016      0.70          1.20 - 1.60          0.59 - 0.99
   (Commenced 5/1/2015)          2015        --                 1.35               (1.39)

BHFTI Victory Sycamore Mid       2017      0.99          0.50 - 2.25          7.05 - 8.93
   Cap Value Division            2016      0.71          0.50 - 2.25        12.93 - 14.93
                                 2015      0.54          0.50 - 2.30     (11.05) - (6.69)
                                 2014      0.55          0.50 - 2.30          7.15 - 9.10
                                 2013      0.79          0.50 - 2.30        27.34 - 29.65

BHFTI Wells Capital              2017      1.05          1.10 - 1.60          9.04 - 9.58
   Management Mid Cap Value      2016      0.87          1.10 - 1.60        11.39 - 11.95
   Division                      2015      0.46          1.10 - 1.60    (10.56) - (10.11)
   (Commenced 11/19/2014 and                                                             
   began transactions in 2015)                                                           

BHFTII Baillie Gifford           2017      1.13          0.95 - 2.25        31.90 - 33.88
   International Stock Division  2016      1.51          0.95 - 2.15          2.97 - 4.39
                                 2015      1.59          0.95 - 2.15      (4.23) - (2.89)
                                 2014      1.35          0.95 - 2.30      (5.54) - (3.99)
                                 2013      1.55          0.95 - 2.30        12.52 - 14.46

BHFTII BlackRock Bond            2017      2.99          0.50 - 2.25          1.54 - 3.43
   Income Division               2016      3.06          0.50 - 2.25          0.58 - 2.46
                                 2015      3.72          0.50 - 2.25      (1.89) - (0.06)
                                 2014      3.31          0.50 - 2.30          4.38 - 6.39
                                 2013      3.87          0.50 - 2.30      (3.26) - (1.41)

BHFTII BlackRock Capital         2017      0.01          0.50 - 2.25        30.61 - 33.07
   Appreciation Division         2016        --          0.50 - 2.25      (2.37) - (0.56)
                                 2015        --          0.50 - 2.25          0.67 - 5.59
                                 2014      0.01          0.50 - 2.30          6.17 - 8.19
                                 2013      0.64          0.50 - 2.30        30.86 - 33.35


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                   
                                        ---------------------------------------------     
                                                         UNIT VALUE                       
                                                          LOWEST TO          NET          
                                            UNITS        HIGHEST ($)     ASSETS ($)       
                                        ------------  ----------------  -------------     
                                                                                          
BHFTII BlackRock                  2017     4,077,356      2.32 - 24.72     56,416,026     
   Ultra-Short Term Bond          2016     4,242,132      2.33 - 24.80     60,125,414     
   Division                       2015     5,220,428      2.35 - 25.01     65,638,458     
                                  2014     5,502,759      2.39 - 24.09     70,377,934     
                                  2013     6,205,342      2.42 - 23.99     83,385,113     

BHFTII Brighthouse Asset          2017    26,632,640      1.62 - 17.07    409,028,440     
   Allocation 20 Division         2016    30,580,692      1.53 - 16.04    445,624,899     
                                  2015    33,195,826     12.79 - 15.42    471,604,392     
                                  2014    36,038,394      1.50 - 15.59    521,380,178     
                                  2013    39,245,169     12.88 - 15.00    550,180,374     

BHFTII Brighthouse Asset          2017    68,087,417      1.73 - 18.81  1,155,673,990     
   Allocation 40 Division         2016    78,507,145      1.63 - 17.09  1,211,312,236     
                                  2015    85,328,132     13.43 - 16.19  1,274,255,459     
                                  2014    93,519,497      1.58 - 16.45  1,428,984,290     
                                  2013   100,157,296     13.47 - 15.75  1,476,093,805     

BHFTII Brighthouse Asset          2017   213,872,364      1.88 - 20.40  3,928,953,268     
   Allocation 60 Division         2016   240,019,648      1.71 - 17.87  3,877,916,522     
                                  2015   257,093,725     14.06 - 16.77  3,978,556,726     
                                  2014   275,213,574     14.34 - 17.07  4,365,939,925     
                                  2013   291,429,454     13.97 - 16.33  4,454,029,359     

BHFTII Brighthouse Asset          2017    98,239,149      2.01 - 21.80  1,933,591,736     
   Allocation 80 Division         2016   108,427,987      1.70 - 18.39  1,808,886,432     
                                  2015   116,127,054      1.59 - 17.09  1,834,003,576     
                                  2014   124,402,568      1.64 - 17.47  2,021,856,411     
                                  2013   125,138,998     14.27 - 16.68  1,955,179,905     

BHFTII Brighthouse/Artisan        2017     4,884,190      6.07 - 69.84    226,673,877     
   Mid Cap Value Division         2016     5,613,562      5.45 - 62.37    233,427,628     
                                  2015     5,928,571      4.50 - 51.10    200,994,480     
                                  2014     6,662,445      5.03 - 56.86    249,301,841     
                                  2013     7,335,193      5.00 - 56.20    268,786,607     

BHFTII                            2017       353,646     25.40 - 27.58      9,595,917     
   Brighthouse/Dimensional        2016       396,617     19.78 - 21.38      8,357,661     
   International Small Company    2015       383,113     19.08 - 20.42      7,726,121     
   Division                       2014       366,933     18.41 - 19.47      7,087,460     
                                  2013       280,753     20.14 - 21.10      5,887,254     

BHFTII                            2017    10,336,562      1.47 - 88.39    610,158,972     
   Brighthouse/Wellington         2016    11,309,419      1.30 - 77.49    587,936,841     
   Balanced Division              2015    12,350,663      1.23 - 73.12    613,073,212     
                                  2014    13,516,189      1.22 - 71.96    669,398,262     
                                  2013    14,891,417     17.78 - 65.71    680,740,979     

BHFTII                            2017    11,256,241      6.60 - 75.96    570,742,746     
   Brighthouse/Wellington Core    2016    12,871,913      5.62 - 64.26    555,287,850     
   Equity Opportunities Division  2015    14,083,686      5.31 - 60.32    568,631,560     
                                  2014    15,922,638      5.25 - 59.35    633,127,551     
                                  2013    18,314,242      4.81 - 54.05    659,765,479     


                                                  FOR THE YEAR ENDED DECEMBER 31          
                                        --------------------------------------------------
                                        INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                           INCOME          LOWEST TO          LOWEST TO   
                                          RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                        -------------  ----------------  -----------------
                                                                                          
BHFTII BlackRock                  2017      0.11         0.90 - 2.15       (1.40) - (0.01)
   Ultra-Short Term Bond          2016      0.01         0.90 - 2.25       (2.03) - (0.55)
   Division                       2015        --         0.95 - 2.25       (2.23) - (0.27)
                                  2014        --         0.95 - 2.25       (2.23) - (0.13)
                                  2013        --         0.95 - 2.25       (2.23) - (0.94)

BHFTII Brighthouse Asset          2017      2.08         0.50 - 2.25           4.56 - 6.40
   Allocation 20 Division         2016      3.24         0.50 - 2.25           2.20 - 4.01
                                  2015      2.10         0.50 - 2.25       (2.80) - (1.08)
                                  2014      3.87         0.50 - 2.25           2.15 - 3.95
                                  2013      2.89         0.50 - 2.25           1.97 - 3.77

BHFTII Brighthouse Asset          2017      1.98         0.50 - 2.25          8.19 - 10.09
   Allocation 40 Division         2016      3.56         0.50 - 2.25           3.73 - 5.56
                                  2015      0.29         0.50 - 2.25       (3.27) - (1.57)
                                  2014      2.88         0.50 - 2.30           2.54 - 4.40
                                  2013      2.52         0.50 - 2.30          8.40 - 10.37

BHFTII Brighthouse Asset          2017      1.74         0.50 - 2.15         12.30 - 14.16
   Allocation 60 Division         2016      3.16         0.50 - 2.15           4.83 - 6.57
                                  2015      0.54         0.50 - 2.15       (3.37) - (0.74)
                                  2014      2.07         0.50 - 2.30           2.66 - 4.53
                                  2013      1.94         0.50 - 2.30         15.30 - 17.40

BHFTII Brighthouse Asset          2017      1.56         0.50 - 2.25         16.52 - 18.57
   Allocation 80 Division         2016      2.97         0.50 - 2.25           5.73 - 7.60
                                  2015      0.35         0.50 - 2.30       (3.93) - (0.91)
                                  2014      1.60         0.50 - 2.30         (0.03) - 4.70
                                  2013      1.46         0.50 - 2.30         21.49 - 23.69

BHFTII Brighthouse/Artisan        2017      0.58         0.50 - 2.25         10.04 - 11.98
   Mid Cap Value Division         2016      0.97         0.50 - 2.25         19.92 - 22.04
                                  2015      1.04         0.50 - 2.25     (11.68) - (10.12)
                                  2014      0.62         0.50 - 2.30         (0.64) - 1.17
                                  2013      0.86         0.50 - 2.30         33.41 - 35.83

BHFTII                            2017      1.96         1.10 - 2.00         27.87 - 29.02
   Brighthouse/Dimensional        2016      1.94         1.10 - 2.05           3.68 - 4.67
   International Small Company    2015      1.71         1.10 - 2.05           3.61 - 4.60
   Division                       2014      1.89         1.15 - 2.05       (8.59) - (7.76)
                                  2013      1.74         1.15 - 2.05         25.01 - 26.14

BHFTII                            2017      1.88         0.90 - 2.15         12.52 - 14.11
   Brighthouse/Wellington         2016      2.73         0.90 - 2.15           4.55 - 6.04
   Balanced Division              2015      1.92         0.95 - 2.15           0.22 - 1.61
                                  2014      1.98         0.90 - 2.30           7.77 - 9.56
                                  2013      2.46         0.95 - 2.30         14.65 - 19.46

BHFTII                            2017      1.39         0.50 - 2.25         16.17 - 18.30
   Brighthouse/Wellington Core    2016      1.45         0.50 - 2.25           4.67 - 6.65
   Equity Opportunities Division  2015      1.59         0.50 - 2.30         (0.18) - 4.02
                                  2014      0.53         0.50 - 2.30           7.84 - 9.92
                                  2013      1.22         0.50 - 2.30         30.33 - 32.84


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                                [Download Table]

                                                 AS OF DECEMBER 31                  
                                   ---------------------------------------------    
                                                   UNIT VALUE                       
                                                    LOWEST TO           NET         
                                       UNITS       HIGHEST ($)      ASSETS ($)      
                                   ------------  ---------------  --------------    
                                                                                    
BHFTII Frontier Mid Cap      2017     6,921,843   10.48 - 109.39     508,449,789    
   Growth Division           2016     7,660,214     8.45 - 88.16     455,250,831    
                             2015     8,386,483    20.77 - 84.44     481,166,004    
                             2014     9,158,445    20.50 - 82.85     516,959,626    
                             2013    10,027,102    18.72 - 75.25     515,676,513    

BHFTII Jennison Growth       2017    14,946,828     1.27 - 33.03     203,130,928    
   Division                  2016    16,378,562     0.94 - 24.28     166,434,950    
                             2015    17,957,908     0.95 - 24.47     184,782,553    
                             2014    18,673,248     0.87 - 22.30     174,229,733    
                             2013    20,447,446     0.81 - 20.64     177,299,348    

BHFTII Loomis Sayles Small   2017     3,862,700     7.77 - 89.96     185,343,480    
   Cap Core Division         2016     4,342,911     6.83 - 78.65     181,016,875    
                             2015     4,874,168     5.81 - 66.44     170,029,570    
                             2014     5,539,839     5.97 - 67.95     192,412,320    
                             2013     6,113,748     5.84 - 65.98     203,229,729    

BHFTII Loomis Sayles Small   2017     2,468,467     2.28 - 28.37      54,566,730    
   Cap Growth Division       2016     2,721,567     1.82 - 22.54      48,392,379    
                             2015     3,053,307     1.74 - 21.43      51,758,280    
                             2014     3,266,827     1.74 - 21.26      54,772,060    
                             2013     3,797,741     1.75 - 21.20      64,392,848    

BHFTII MetLife Aggregate     2017    64,574,871     1.71 - 20.12   1,126,629,342    
   Bond Index Division       2016    67,082,177     1.68 - 19.64   1,148,709,486    
                             2015    68,245,879     1.67 - 19.32   1,156,862,410    
                             2014    70,177,534     1.69 - 19.40   1,201,918,831    
                             2013    71,440,893     1.63 - 18.49   1,173,488,783    

BHFTII MetLife Mid Cap       2017    16,065,965     3.58 - 41.60     580,186,948    
   Stock Index Division      2016    17,710,513     3.14 - 36.16     557,664,712    
                             2015    19,052,817     2.65 - 30.25     508,407,680    
                             2014    19,927,953     2.76 - 31.22     550,797,141    
                             2013    20,854,130     2.56 - 28.72     532,114,735    

BHFTII MetLife MSCI EAFE     2017    30,129,062     1.71 - 23.29     524,736,160    
   Index Division            2016    34,611,269     1.39 - 18.82     489,403,933    
                             2015    34,877,903     1.40 - 18.91     494,277,850    
                             2014    35,284,954     1.43 - 19.14     511,371,706    
                             2013    34,230,690     1.55 - 20.56     534,853,073    

BHFTII MetLife Russell 2000  2017    10,459,851     3.51 - 41.29     373,905,362    
   Index Division            2016    11,262,895     3.11 - 36.28     355,330,009    
                             2015    12,012,694     2.60 - 30.14     318,122,044    
                             2014    12,545,618     2.76 - 31.71     349,277,094    
                             2013    13,027,524     2.67 - 30.42     347,868,995    

BHFTII MetLife Stock Index   2017    37,306,057    8.44 - 106.81   3,191,113,485    
   Division                  2016    41,650,103     7.06 - 88.55   2,971,460,417    
                             2015    45,195,410     6.42 - 79.90   2,922,726,168    
                             2014    48,564,594     6.45 - 79.57   3,141,402,122    
                             2013    53,012,896     5.78 - 70.71   3,062,136,452    


                                            FOR THE YEAR ENDED DECEMBER 31          
                                   -------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                      INCOME          LOWEST TO         LOWEST TO   
                                     RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                   -------------  ----------------  ----------------
                                                                                    
BHFTII Frontier Mid Cap      2017        --         0.90 - 2.25        22.16 - 24.09
   Growth Division           2016        --         0.90 - 2.25          2.82 - 4.41
                             2015        --         0.95 - 2.25          0.32 - 1.91
                             2014        --         0.95 - 2.30         8.35 - 10.17
                             2013      1.24         0.95 - 2.30        29.42 - 31.52

BHFTII Jennison Growth       2017      0.13         0.50 - 2.25        33.95 - 36.31
   Division                  2016      0.07         0.50 - 2.25      (2.35) - (0.63)
                             2015      0.06         0.50 - 2.25          8.08 - 9.99
                             2014      0.07         0.50 - 2.25          6.32 - 8.20
                             2013      0.25         0.50 - 2.30        33.62 - 36.05

BHFTII Loomis Sayles Small   2017      0.14         0.50 - 2.25        12.41 - 14.39
   Cap Core Division         2016      0.15         0.50 - 2.25        16.33 - 18.38
                             2015      0.05         0.50 - 2.25      (3.93) - (2.23)
                             2014      0.01         0.50 - 2.30          1.15 - 2.99
                             2013      0.30         0.50 - 2.30        37.49 - 39.98

BHFTII Loomis Sayles Small   2017        --         0.50 - 2.15        24.05 - 26.05
   Cap Growth Division       2016        --         0.50 - 2.10          3.95 - 5.52
                             2015        --         0.50 - 2.10        (0.56) - 0.92
                             2014        --         0.50 - 2.10        (1.11) - 0.43
                             2013        --         0.50 - 2.15        45.23 - 47.64

BHFTII MetLife Aggregate     2017      2.75         0.50 - 2.25          0.68 - 2.60
   Bond Index Division       2016      2.62         0.50 - 2.25        (0.13) - 1.69
                             2015      2.76         0.50 - 2.25      (2.14) - (0.39)
                             2014      2.82         0.50 - 2.30          0.57 - 5.12
                             2013      3.36         0.50 - 2.30      (4.75) - (2.96)

BHFTII MetLife Mid Cap       2017      1.22         0.50 - 2.25        13.06 - 15.05
   Stock Index Division      2016      1.11         0.50 - 2.25        17.47 - 19.54
                             2015      1.00         0.50 - 2.25      (4.79) - (2.52)
                             2014      0.89         0.50 - 2.30          1.63 - 8.68
                             2013      1.00         0.50 - 2.30        29.81 - 32.17

BHFTII MetLife MSCI EAFE     2017      2.57         0.50 - 2.25        21.84 - 23.99
   Index Division            2016      2.46         0.50 - 2.25        (1.25) - 0.50
                             2015      3.03         0.50 - 2.30      (3.52) - (1.36)
                             2014      2.39         0.50 - 2.30      (8.40) - (2.81)
                             2013      2.93         0.50 - 2.30        18.76 - 20.91

BHFTII MetLife Russell 2000  2017      1.09         0.50 - 2.25        11.85 - 13.82
   Index Division            2016      1.24         0.50 - 2.25        18.27 - 20.36
                             2015      1.07         0.50 - 2.30      (6.66) - (3.68)
                             2014      1.02         0.50 - 2.30          2.40 - 4.36
                             2013      1.43         0.50 - 2.30        35.04 - 37.66

BHFTII MetLife Stock Index   2017      1.68         0.50 - 2.25        18.54 - 20.76
   Division                  2016      1.91         0.50 - 2.25         8.90 - 10.95
                             2015      1.65         0.50 - 2.25        (1.33) - 2.90
                             2014      1.60         0.50 - 2.30         0.90 - 12.63
                             2013      1.77         0.50 - 2.30        28.71 - 31.17


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                   
                                     ---------------------------------------------     
                                                     UNIT VALUE                        
                                                      LOWEST TO           NET          
                                         UNITS       HIGHEST ($)      ASSETS ($)       
                                     ------------  ---------------  --------------     
                                                                                       
BHFTII MFS Total Return        2017     3,778,366     1.31 - 94.51     145,097,990     
   Division                    2016     4,213,037     1.18 - 84.68     146,385,435     
                               2015     4,556,651     6.64 - 78.13     143,114,163     
                               2014     5,012,826     6.74 - 78.84     157,659,622     
                               2013     5,458,053     6.29 - 73.12     155,581,004     

BHFTII MFS Value Division      2017    20,677,338     1.67 - 32.71     523,781,737     
                               2016    23,336,266     1.44 - 28.13     506,526,529     
                               2015    24,529,013     1.27 - 24.92     475,285,633     
                               2014    26,823,537     1.29 - 25.08     526,090,577     
                               2013    29,015,560     1.18 - 22.95     519,644,727     

BHFTII MFS Value II Division   2017    12,582,216     1.19 - 23.04     254,251,609     
                               2016    13,722,798     1.93 - 21.57     262,264,238     
                               2015    14,658,312     1.04 - 18.36     241,297,390     
                               2014    15,621,162     1.79 - 19.66     277,145,192     
                               2013    16,552,949     1.65 - 18.02     270,163,032     

BHFTII Neuberger Berman        2017     9,828,019     1.67 - 37.96     314,115,956     
   Genesis Division            2016    11,028,717     2.98 - 33.04     306,388,412     
                               2015    12,205,331     1.24 - 28.04     289,271,341     
                               2014    13,823,646     1.25 - 28.08     326,918,853     
                               2013    15,386,093     1.26 - 28.30     368,249,828     

BHFTII T. Rowe Price Large     2017    18,998,068     1.98 - 40.27     609,640,874     
   Cap Growth Division         2016    20,326,210     1.50 - 30.32     491,684,512     
                               2015    20,053,722     1.50 - 30.01     499,123,184     
                               2014    19,215,859     9.68 - 27.29     443,081,491     
                               2013    19,750,468     9.02 - 25.21     427,299,444     

BHFTII T. Rowe Price Small     2017    10,715,353     4.38 - 50.18     467,200,326     
   Cap Growth Division         2016    11,498,401     3.62 - 41.16     412,938,416     
                               2015    12,314,868     3.28 - 37.11     405,415,335     
                               2014    12,136,731    26.17 - 36.40     394,821,897     
                               2013    12,811,027    24.85 - 34.30     395,500,809     

BHFTII Van Eck Global          2017     2,921,930    11.85 - 12.93      37,269,860     
   Natural Resources Division  2016     2,736,220    12.18 - 13.17      35,592,317     
                               2015     3,453,656      8.65 - 9.26      31,642,400     
                               2014     2,631,888    13.13 - 13.88      36,305,032     
                               2013     2,406,616    16.51 - 17.30      41,407,912     

BHFTII Western Asset           2017    15,854,082     1.15 - 40.79     514,265,588     
   Management Strategic Bond   2016    17,633,082     1.08 - 37.98     535,867,222     
   Opportunities Division      2015     7,434,184     1.01 - 35.24     189,250,242     
                               2014     8,379,087     1.05 - 36.14     217,390,710     
                               2013     9,226,838     3.07 - 34.50     230,763,494     

BHFTII Western Asset           2017     9,021,983     1.92 - 22.04     159,678,213     
   Management U.S. Government  2016     9,582,786     1.90 - 21.79     167,406,266     
   Division                    2015    10,199,735     1.91 - 21.68     179,151,852     
                               2014    11,263,811     1.92 - 21.72     197,952,838     
                               2013    12,256,251     1.89 - 21.28     212,578,770     


                                               FOR THE YEAR ENDED DECEMBER 31          
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
BHFTII MFS Total Return        2017       2.39        0.50 - 2.15          9.79 - 11.61
   Division                    2016       2.79        0.50 - 2.15           6.61 - 8.38
                               2015       2.47        0.50 - 2.15       (2.52) - (0.90)
                               2014       2.25        0.50 - 2.15           6.06 - 7.82
                               2013       2.46        0.50 - 2.15         16.18 - 18.11

BHFTII MFS Value Division      2017       1.89        0.50 - 2.15         15.20 - 17.24
                               2016       2.11        0.50 - 2.15         11.77 - 13.65
                               2015       2.54        0.50 - 2.15         (2.39) - 2.33
                               2014       1.58        0.50 - 2.30          8.05 - 10.09
                               2013       1.35        0.50 - 2.30         16.96 - 34.85

BHFTII MFS Value II Division   2017       2.42        0.50 - 2.25          2.50 - 75.75
                               2016       1.45        0.50 - 2.25         15.47 - 17.51
                               2015       1.58        0.50 - 2.25      (10.46) - (6.65)
                               2014       1.07        0.25 - 2.25           7.26 - 9.15
                               2013       1.18        0.50 - 2.30         28.75 - 31.09

BHFTII Neuberger Berman        2017       0.29        0.50 - 2.15         13.16 - 14.91
   Genesis Division            2016       0.34        0.50 - 2.15         16.02 - 17.80
                               2015       0.29        0.50 - 2.15       (1.71) - (0.12)
                               2014       0.30        0.50 - 2.30       (2.57) - (0.80)
                               2013       0.62        0.50 - 2.30         25.79 - 37.50

BHFTII T. Rowe Price Large     2017       0.15        0.50 - 2.25         30.52 - 32.81
   Cap Growth Division         2016       0.02        0.50 - 2.25         (0.73) - 1.03
                               2015       0.04        0.50 - 2.25           1.40 - 9.96
                               2014       0.02        0.50 - 2.30         (0.01) - 8.28
                               2013       0.12        0.50 - 2.30         26.92 - 38.08

BHFTII T. Rowe Price Small     2017       0.19        0.50 - 2.25         19.82 - 21.92
   Cap Growth Division         2016       0.14        0.50 - 2.25          9.00 - 10.93
                               2015       0.07        0.50 - 2.25           0.18 - 1.95
                               2014       0.01        0.50 - 2.25           4.27 - 6.11
                               2013       0.24        0.50 - 2.30         40.90 - 43.45

BHFTII Van Eck Global          2017         --        1.10 - 2.05       (2.75) - (1.82)
   Natural Resources Division  2016       0.59        1.10 - 2.05         40.82 - 42.17
                               2015       0.21        1.10 - 2.05     (34.12) - (33.49)
                               2014       0.27        1.15 - 2.05     (20.47) - (11.42)
                               2013       0.64        1.15 - 2.05           8.51 - 9.49

BHFTII Western Asset           2017       3.80        0.50 - 2.25           5.54 - 7.40
   Management Strategic Bond   2016       1.96        0.50 - 2.25           4.02 - 7.76
   Opportunities Division      2015       4.96        0.50 - 2.15       (4.04) - (2.35)
                               2014       5.26        0.50 - 2.15           3.10 - 4.79
                               2013       4.90        0.50 - 2.30         (1.47) - 0.44

BHFTII Western Asset           2017       2.46        0.50 - 2.25         (0.58) - 1.17
   Management U.S. Government  2016       2.41        0.50 - 2.25         (1.23) - 0.52
   Division                    2015       2.10        0.50 - 2.25       (1.92) - (0.19)
                               2014       1.73        0.50 - 2.25           0.27 - 2.04
                               2013       1.98        0.50 - 2.30       (3.16) - (1.40)


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                         AS OF DECEMBER 31                 
                                          ----------------------------------------------   
                                                           UNIT VALUE                      
                                                            LOWEST TO           NET        
                                              UNITS        HIGHEST ($)      ASSETS ($)     
                                          ------------  ----------------  --------------   
                                                                                           
BlackRock Global Allocation         2017         4,188     22.44 - 24.09          96,276   
   V.I. Division                    2016        25,590     20.06 - 21.42         521,354   
   (Commenced 11/19/2014 and        2015        24,602     19.63 - 20.86         489,446   
   began transactions in 2015)                                                             

Calvert VP SRI Balanced             2017     1,186,460     34.40 - 46.41      51,869,403   
   Division                         2016     1,327,240     31.20 - 41.95      52,584,587   
                                    2015     1,430,108     29.38 - 39.38      53,307,044   
                                    2014     1,520,177     30.50 - 40.77      58,809,995   
                                    2013     1,581,457     28.27 - 37.66      56,643,458   

Calvert VP SRI Mid Cap              2017       145,874             59.95       8,745,518   
   Division                         2016       186,977             54.20      10,134,827   
                                    2015       227,418             51.03      11,604,230   
                                    2014       256,364             53.26      13,652,993   
                                    2013       285,572     49.72 - 49.74      14,202,309   

Delaware VIP Small Cap              2017        14,842              1.48          22,010   
   Value Division                   2016        25,822              1.34          34,483   
   (Commenced 10/31/2013 and                                                               
   began transactions in 2016)                                                             

Fidelity VIP Contrafund             2017        89,664       8.51 - 9.01         805,722   
   Division                         2016       161,557       7.08 - 7.48       1,206,624   
   (Commenced 12/13/2013            2015         2,695              6.65          17,911   
   and began transactions in 2014)  2014         1,597              6.69          10,689   

Fidelity VIP Equity-Income          2017     2,048,365     10.56 - 87.27      78,340,010   
   Division                         2016     2,327,096      9.48 - 78.04      80,761,382   
                                    2015     2,619,253      8.15 - 66.75      77,695,085   
                                    2014     3,063,871      8.60 - 70.17      92,690,111   
                                    2013     3,463,147      8.01 - 65.15      95,223,008   

Fidelity VIP Freedom 2020           2017        63,006             19.92       1,255,251   
   Division                         2016        98,961             17.29       1,711,114   
   (Commenced 5/1/2015 and                                                                 
   began transactions in 2016)                                                             

Fidelity VIP Freedom 2025           2017        38,578     20.57 - 21.23         819,000   
   Division                         2016        79,781             18.22       1,453,626   
   (Commenced 5/1/2015 and                                                                 
   began transactions in 2016)                                                             

Fidelity VIP Freedom 2030           2017       139,649     20.96 - 21.63       3,021,173   
   Division                         2016       115,111             18.09       2,081,941   
   (Commenced 5/1/2015 and                                                                 
   began transactions in 2016)                                                             

Fidelity VIP Freedom 2040           2017        18,419     28.39 - 29.02         534,464   
   Division                         2016         7,760             23.75         184,274   
   (Commenced 5/1/2015 and                                                                 
   began transactions in 2016)                                                             


                                                   FOR THE YEAR ENDED DECEMBER 31          
                                          -------------------------------------------------
                                          INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                             INCOME          LOWEST TO         LOWEST TO   
                                            RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                          -------------  ----------------  ----------------
                                                                                           
BlackRock Global Allocation         2017      0.30          1.10 - 1.60       11.91 - 12.47
   V.I. Division                    2016      1.30          1.10 - 1.60         2.16 - 2.67
   (Commenced 11/19/2014 and        2015      0.66          1.10 - 1.60     (2.57) - (0.60)
   began transactions in 2015)                                                             

Calvert VP SRI Balanced             2017      1.97          0.50 - 1.55       10.28 - 11.44
   Division                         2016      1.82          0.50 - 1.55         6.20 - 7.32
                                    2015      0.11          0.50 - 1.55     (3.70) - (2.68)
                                    2014      1.56          0.50 - 1.55         7.92 - 9.05
                                    2013      1.04          0.50 - 1.55       16.19 - 17.41

Calvert VP SRI Mid Cap              2017      0.64                 0.95               10.61
   Division                         2016        --                 0.95                6.23
                                    2015        --                 0.95              (4.19)
                                    2014        --                 0.95         7.07 - 7.10
                                    2013        --                 0.95       28.68 - 28.69

Delaware VIP Small Cap              2017      0.95                 0.90               11.05
   Value Division                   2016      0.28                 0.90               30.23
   (Commenced 10/31/2013 and                                                               
   began transactions in 2016)                                                             

Fidelity VIP Contrafund             2017      0.68          0.90 - 1.15       20.20 - 20.50
   Division                         2016      1.15          0.90 - 1.15         6.50 - 6.76
   (Commenced 12/13/2013            2015      0.97                 1.15              (0.73)
   and began transactions in 2014)  2014      2.09                 1.15               10.38

Fidelity VIP Equity-Income          2017      1.66          0.95 - 1.35       11.38 - 11.83
   Division                         2016      2.27          0.95 - 1.35       16.44 - 16.91
                                    2015      3.06          0.95 - 1.35     (5.25) - (4.87)
                                    2014      2.77          0.95 - 1.35         7.26 - 7.73
                                    2013      2.47          0.95 - 1.35       26.43 - 26.95

Fidelity VIP Freedom 2020           2017      1.16                 0.90               15.22
   Division                         2016      2.32                 0.90                4.85
   (Commenced 5/1/2015 and                                                                 
   began transactions in 2016)                                                             

Fidelity VIP Freedom 2025           2017      0.87          0.90 - 1.15       16.23 - 16.52
   Division                         2016      2.70                 0.90                5.03
   (Commenced 5/1/2015 and                                                                 
   began transactions in 2016)                                                             

Fidelity VIP Freedom 2030           2017      0.96          0.90 - 1.15       19.32 - 19.62
   Division                         2016      2.70                 0.90                5.42
   (Commenced 5/1/2015 and                                                                 
   began transactions in 2016)                                                             

Fidelity VIP Freedom 2040           2017      1.03          0.90 - 1.15       21.89 - 22.19
   Division                         2016      2.03                 0.90                5.57
   (Commenced 5/1/2015 and                                                                 
   began transactions in 2016)                                                             


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                 
                                    ----------------------------------------------   
                                                     UNIT VALUE                      
                                                      LOWEST TO           NET        
                                        UNITS        HIGHEST ($)      ASSETS ($)     
                                    ------------  ----------------  --------------   
                                                                                     
Fidelity VIP Freedom 2050     2017         8,553             29.65         253,618   
   Division                   2016         6,075             24.27         147,402   
   (Commenced 5/1/2015 and                                                           
   began transactions in 2016)                                                       

Fidelity VIP FundsManager     2017    21,200,158     14.72 - 14.98     315,705,343   
   50% Division               2016    22,355,817     13.13 - 13.34     296,580,947   
                              2015    22,380,417     12.86 - 13.05     290,525,141   
                              2014    17,417,943     13.11 - 13.28     230,170,102   
                              2013     9,362,592     12.73 - 12.88     120,060,165   

Fidelity VIP FundsManager     2017    19,728,179     14.32 - 14.70     286,973,777   
   60% Division               2016    22,614,243     12.50 - 12.80     286,717,673   
                              2015    24,528,850     12.19 - 12.44     302,657,716   
                              2014    23,126,457     12.44 - 12.62     289,729,524   
                              2013    24,031,067     12.05 - 12.16     291,255,733   

Fidelity VIP Government       2017       311,112             16.10       5,009,176   
   Money Market Division      2016       379,214      9.89 - 16.14       6,122,223   
                              2015       554,548     10.08 - 16.26       8,080,715   
                              2014       544,052     10.28 - 16.41       8,033,349   
                              2013       671,593     10.50 - 16.57      10,057,109   

Fidelity VIP Growth Division  2017       980,268            100.62      98,637,848   
                              2016     1,115,679             75.17      83,862,383   
                              2015     1,266,107             75.28      95,310,704   
                              2014     1,382,739             70.91      98,045,015   
                              2013     1,489,863     64.30 - 64.31      95,812,868   

Fidelity VIP Investment       2017       293,120             34.93      10,239,907   
   Grade Bond Division        2016       365,398             33.84      12,364,481   
                              2015       424,477             32.61      13,843,675   
                              2014       477,735             33.12      15,822,818   
                              2013       527,483     31.58 - 31.59      16,664,039   

Fidelity VIP Mid Cap          2017        81,118       7.96 - 8.34         676,874   
   Division                   2016        92,941              6.99         649,196   
   (Commenced 10/31/2013 and                                                         
   began transactions in 2016)                                                       

FTVIPT Templeton Developing   2017        83,878              1.82         152,910   
   Markets VIP Division       2016       168,845              1.31         221,198   
   (Commenced 10/31/2013                                                             
   and began transactions in 2016)                                                   

FTVIPT Templeton Foreign      2017           159       4.27 - 4.56             726   
   VIP Division               2016           353              3.94           1,390   
   (Commenced 10/31/2013 and                                                         
   began transactions in 2016)                                                       

Ivy VIP Asset Strategy        2017           167             16.91           2,827   
   Division                   2016           183             14.49           2,650   
   (Commenced 11/19/2014      2015           191             15.07           2,882   
   and began transactions in 2015)                                                   


                                             FOR THE YEAR ENDED DECEMBER 31          
                                    -------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                       INCOME          LOWEST TO         LOWEST TO   
                                      RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                    -------------  ----------------  ----------------
                                                                                     
Fidelity VIP Freedom 2050     2017      1.09                 0.90               22.20
   Division                   2016      1.81                 0.90                5.60
   (Commenced 5/1/2015 and                                                           
   began transactions in 2016)                                                       

Fidelity VIP FundsManager     2017      1.15          1.90 - 2.05       12.14 - 12.31
   50% Division               2016      1.24          1.90 - 2.05         2.11 - 2.26
                              2015      1.24          1.90 - 2.05     (1.89) - (1.75)
                              2014      1.47          1.90 - 2.05         2.96 - 3.12
                              2013      1.56          1.90 - 2.05       12.57 - 12.74

Fidelity VIP FundsManager     2017      1.05          1.85 - 2.10       14.56 - 14.85
   60% Division               2016      1.22          1.85 - 2.10         2.61 - 2.87
                              2015      1.10          1.85 - 2.10     (1.68) - (1.43)
                              2014      1.24          1.85 - 2.05         0.55 - 3.42
                              2013      1.16          1.90 - 2.05       16.21 - 16.38

Fidelity VIP Government       2017      0.66                 0.95              (0.27)
   Money Market Division      2016      0.20          0.95 - 2.05     (1.85) - (0.74)
                              2015      0.02          0.95 - 2.05     (2.02) - (0.91)
                              2014      0.01          0.95 - 2.05     (2.02) - (0.93)
                              2013      0.03          0.95 - 2.05     (2.01) - (0.91)

Fidelity VIP Growth Division  2017      0.22                 0.95               33.87
                              2016      0.04                 0.95              (0.15)
                              2015      0.26                 0.95                6.17
                              2014      0.18                 0.95       10.25 - 10.28
                              2013      0.29                 0.95       35.05 - 35.06

Fidelity VIP Investment       2017      2.28                 0.95                3.24
   Grade Bond Division        2016      2.22                 0.95                3.76
                              2015      2.51                 0.95              (1.53)
                              2014      2.10                 0.95         4.83 - 4.86
                              2013      2.08                 0.95              (2.70)

Fidelity VIP Mid Cap          2017      0.49          0.90 - 1.15       19.16 - 19.46
   Division                   2016      0.46                 0.90               10.92
   (Commenced 10/31/2013 and                                                         
   began transactions in 2016)                                                       

FTVIPT Templeton Developing   2017      1.07                 0.90               39.15
   Markets VIP Division       2016      0.90                 0.90               16.39
   (Commenced 10/31/2013                                                             
   and began transactions in 2016)                                                   

FTVIPT Templeton Foreign      2017      2.30          0.90 - 1.15       15.36 - 15.65
   VIP Division               2016      1.91                 0.90                6.21
   (Commenced 10/31/2013 and                                                         
   began transactions in 2016)                                                       

Ivy VIP Asset Strategy        2017      1.58                 1.35               16.69
   Division                   2016      0.58                 1.35              (3.87)
   (Commenced 11/19/2014      2015      0.35                 1.35              (9.58)
   and began transactions in 2015)                                                   


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

9.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                  
                                     ----------------------------------------------    
                                                      UNIT VALUE                       
                                                       LOWEST TO           NET         
                                         UNITS        HIGHEST ($)      ASSETS ($)      
                                     ------------  ----------------  --------------    
                                                                                       
Janus Henderson Enterprise     2017        15,309              9.78         149,792    
   Division                    2016        31,893              7.77         247,764    
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVET ClearBridge Variable    2017         6,486              7.47          48,429    
   Appreciation Division       2016         5,096              6.30          32,119    
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVET ClearBridge Variable    2017        46,671              1.49          69,596    
   Dividend Strategy Division  2016        52,618              1.26          66,433    
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVET ClearBridge Variable    2017       132,067       3.67 - 3.86         508,988    
   Large Cap Growth Division   2016       224,143       2.95 - 3.10         693,531    
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVET ClearBridge Variable    2017         6,825              4.02          27,439    
   Small Cap Growth Division   2016        12,622              3.26          41,206    
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVIT Western Asset Core      2017        31,136              3.37         104,815    
   Plus Division               2016        51,470              3.21         165,326    
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

Morgan Stanley VIF Global      2017         4,622     12.79 - 13.96          61,644    
   Infrastructure Division     2016         4,158     11.55 - 12.54          49,884    
   (Commenced 11/19/2014)      2015         5,480     10.20 - 11.03          58,000    
                               2014           315     12.49 - 12.95           4,007    

Oppenheimer Global             2017         1,578      9.93 - 10.03          15,705    
   Multi-Alternatives Fund/VA                                                          
   Division                                                                            
   (Commenced 4/28/2017)                                                               

PIMCO VIT Commodity            2017         6,917       7.17 - 7.28          49,885    
   RealReturn Strategy         2016         6,890       7.15 - 7.22          49,401    
   Division                    2015         6,911       6.34 - 6.37          43,875    
   (Commenced 11/19/2014)      2014           171              8.69           1,489    

PIMCO VIT Emerging Markets     2017         6,421     10.98 - 11.15          71,038    
   Bond Division               2016         8,142     10.18 - 10.29          83,339    
   (Commenced 11/19/2014)      2015         7,377       9.16 - 9.21          67,775    
                               2014           200              9.55           1,913    


                                               FOR THE YEAR ENDED DECEMBER 31          
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
Janus Henderson Enterprise     2017      0.11                 0.90                25.95
   Division                    2016      0.07                 0.90                11.10
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVET ClearBridge Variable    2017      1.27                 0.90                18.48
   Appreciation Division       2016      2.06                 0.90                 8.79
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVET ClearBridge Variable    2017      1.52                 0.90                18.11
   Dividend Strategy Division  2016      1.98                 0.90                13.96
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVET ClearBridge Variable    2017      0.20          0.90 - 1.15        24.33 - 24.64
   Large Cap Growth Division   2016      0.84          0.90 - 1.15          6.17 - 6.43
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVET ClearBridge Variable    2017        --                 0.90                23.16
   Small Cap Growth Division   2016        --                 0.90                 4.85
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

LMPVIT Western Asset Core      2017      3.41                 0.90                 4.80
   Plus Division               2016      5.53                 0.90                 3.61
   (Commenced 10/31/2013 and                                                           
   began transactions in 2016)                                                         

Morgan Stanley VIF Global      2017      2.27          1.10 - 1.60        10.76 - 11.32
   Infrastructure Division     2016      1.94          1.10 - 1.60        13.14 - 13.71
   (Commenced 11/19/2014)      2015      1.70          1.10 - 1.60    (15.25) - (14.83)
                               2014        --          1.10 - 1.35          0.27 - 0.30

Oppenheimer Global             2017      0.19          1.10 - 1.35      (1.51) - (1.35)
   Multi-Alternatives Fund/VA                                                          
   Division                                                                            
   (Commenced 4/28/2017)                                                               

PIMCO VIT Commodity            2017     10.82          1.10 - 1.60          0.32 - 0.82
   RealReturn Strategy         2016      0.87          1.10 - 1.60        12.80 - 13.37
   Division                    2015      2.81          1.10 - 1.60    (27.09) - (26.72)
   (Commenced 11/19/2014)      2014      0.17                 1.35              (13.36)

PIMCO VIT Emerging Markets     2017      4.78          1.10 - 1.60          7.81 - 8.35
   Bond Division               2016      4.96          1.10 - 1.60        11.18 - 11.74
   (Commenced 11/19/2014)      2015      5.10          1.10 - 1.60      (4.08) - (3.60)
                               2014      0.13                 1.35               (3.43)


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONCLUDED)              

9.  FINANCIAL HIGHLIGHTS -- (CONCLUDED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                 
                                       ----------------------------------------------   
                                                        UNIT VALUE                      
                                                         LOWEST TO           NET        
                                           UNITS        HIGHEST ($)      ASSETS ($)     
                                       ------------  ----------------  --------------   
                                                                                        
PIMCO VIT Unconstrained          2017        11,816     10.17 - 10.33         121,046   
   Bond Division                 2016        11,278       9.87 - 9.98         111,866   
   (Commenced 11/19/2014 and     2015         6,574       9.61 - 9.66          63,382   
   began transactions in 2015)                                                          

TAP 1919 Variable Socially       2017         4,430       5.11 - 5.45          24,126   
   Responsive Balanced Division  2016         1,649       4.43 - 4.71           7,602   
   (Commenced 12/13/2013 and     2015           501              4.21           2,112   
   began transactions in 2015)                                                          


                                                FOR THE YEAR ENDED DECEMBER 31          
                                       -------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                          INCOME          LOWEST TO         LOWEST TO   
                                         RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                       -------------  ----------------  ----------------
                                                                                        
PIMCO VIT Unconstrained          2017      1.41          1.10 - 1.60         3.04 - 3.55
   Bond Division                 2016      1.41          1.10 - 1.60         2.77 - 3.28
   (Commenced 11/19/2014 and     2015      6.69          1.10 - 1.60     (3.52) - (3.04)
   began transactions in 2015)                                                          

TAP 1919 Variable Socially       2017      1.34          0.90 - 1.15       15.41 - 15.70
   Responsive Balanced Division  2016      1.67          0.90 - 1.15         5.02 - 5.28
   (Commenced 12/13/2013 and     2015      1.29                 1.15              (2.84)
   began transactions in 2015)                                                          

(a) Prior year has been recast to conform with current year presentation (see   
footnote 6).                                                                

1 These amounts represent the dividends, excluding distributions of capital     
gains, received by the Division from the underlying fund, series, or        
portfolio, net of management fees assessed by the fund manager, divided by  
the average net assets, regardless of share class, if any. These ratios     
exclude those expenses, such as mortality and expense risk charges, that are
assessed against Contract owner accounts either through reductions in the   
unit values or the redemption of units. The investment income ratio is      
calculated for each period indicated or from the effective date through the 
end of the reporting period. The recognition of investment income by the    
Division is affected by the timing of the declaration of dividends by the   
underlying fund, series, or portfolio in which the Division invests. The    
investment income ratio is calculated as a weighted average ratio since the 
 Division may invest in two or more share classes, within the underlying fund,
series, or portfolio of the Trusts which may have unique investment income  
ratios.                                                                     

2 These amounts represent annualized Contract expenses of each of the           
applicable Divisions, consisting primarily of mortality and expense risk    
charges, for each period indicated. The ratios include only those expenses  
that result in a direct reduction to unit values. Charges made directly to  
contract owner accounts through the redemption of units and expenses of the 
underlying fund, series, or portfolio have been excluded.                   

3 These amounts represent the total return for the period indicated, including  
changes in the value of the underlying fund, series, or portfolio, and      
expenses assessed through the reduction of unit values. These ratios do not 
include any expenses assessed through the redemption of units. The total    
return is calculated for each period indicated or from the effective date   
through the end of the reporting period. The total return is presented as a 
 range of minimum to maximum returns, based on the minimum and maximum returns
within each product grouping of the applicable Division.                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Item 8. Financial Statements and Supplementary Data 

Index to Consolidated Financial Statements, Notes and Schedules 

                                                        [Enlarge/Download Table]

                                                                                                        Page
                                                                                                  ----------
                                                                                                            
Report of Independent Registered Public Accounting Firm..........................................        2  
Financial Statements at December 31, 2017 and 2016 and for the Years Ended December 31, 2017,               
  2016 and 2015:                                                                                            
 Consolidated Balance Sheets.....................................................................        3  
 Consolidated Statements of Operations...........................................................        4  
 Consolidated Statements of Comprehensive Income (Loss)..........................................        5  
 Consolidated Statements of Equity...............................................................        6  
 Consolidated Statements of Cash Flows...........................................................        7  
 Notes to the Consolidated Financial Statements..................................................        9  
     Note 1 -- Business, Basis of Presentation and Summary of Significant Accounting Policies....        9  
     Note 2 -- Segment Information...............................................................       28  
     Note 3 -- Disposition.......................................................................       34  
     Note 4 -- Insurance.........................................................................       34  
     Note 5 -- Deferred Policy Acquisition Costs, Value of Business Acquired and Other                      
       Intangibles...............................................................................       46  
     Note 6 -- Reinsurance.......................................................................       49  
     Note 7 -- Closed Block......................................................................       55  
     Note 8 -- Investments.......................................................................       57  
     Note 9 -- Derivatives.......................................................................       78  
     Note 10 -- Fair Value.......................................................................       93  
     Note 11 -- Long-term and Short-term Debt....................................................      112  
     Note 12 -- Equity...........................................................................      114  
     Note 13 -- Other Expenses...................................................................      119  
     Note 14 -- Employee Benefit Plans...........................................................      120  
     Note 15 -- Income Tax.......................................................................      129  
     Note 16 -- Contingencies, Commitments and Guarantees........................................      135  
     Note 17 -- Quarterly Results of Operations (Unaudited)......................................      144  
     Note 18 -- Related Party Transactions.......................................................      145  
Financial Statement Schedules at December 31, 2017 and 2016 and for the Years Ended December 31,            
  2017, 2016 and 2015:                                                                                      
 Schedule I -- Consolidated Summary of Investments -- Other Than Investments in Related                     
   Parties.......................................................................................      146  
 Schedule III -- Consolidated Supplementary Insurance Information................................      147  
 Schedule IV -- Consolidated Reinsurance.........................................................      149  

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

To the stockholder and the Board of Directors of Metropolitan Life Insurance    
Company                                                                         

Opinion on the Consolidated Financial Statements                                

We have audited the accompanying consolidated balance sheets of Metropolitan    
Life Insurance Company and subsidiaries (the "Company") as of December 31, 2017 
and 2016, the related consolidated statements of operations, comprehensive      
income (loss), equity, and cash flows for each of the three years in the period 
ended December 31, 2017, and the related notes and the schedules listed in the  
Index to Consolidated Financial Statements, Notes and Schedules (collectively   
referred to as the "consolidated financial statements"). In our opinion, the    
consolidated financial statements present fairly, in all material respects, the 
financial position of the Company as of December 31, 2017 and 2016, and the     
results of its operations and its cash flows for each of the three years in the 
period ended December 31, 2017, in conformity with accounting principles        
generally accepted in the United States of America.                             

Basis for Opinion                                                               

These consolidated financial statements are the responsibility of the Company's 
management. Our responsibility is to express an opinion on the Company's        
consolidated financial statements based on our audits. We are a public          
accounting firm registered with the Public Company Accounting Oversight Board   
(PCAOB) and are required to be independent with respect to the Company in       
accordance with the U.S. federal securities laws and the applicable rules and   
regulations of the Securities and Exchange Commission and the PCAOB.            

We conducted our audits in accordance with the standards of the PCAOB. Those    
standards require that we plan and perform the audit to obtain reasonable       
assurance about whether the consolidated financial statements are free of       
material misstatement, whether due to error or fraud. The Company is not        
required to have, nor were we engaged to perform, an audit of its internal      
control over financial reporting. As part of our audits, we are required to     
obtain an understanding of internal control over financial reporting but not    
for the purpose of expressing an opinion on the effectiveness of the Company's  
internal control over financial reporting. Accordingly, we express no such      
opinion.                                                                        

Our audits included performing procedures to assess the risks of material       
misstatement of the consolidated financial statements, whether due to error or  
fraud, and performing procedures that respond to those risks. Such procedures   
included examining, on a test basis, evidence regarding the amounts and         
disclosures in the consolidated financial statements. Our audits also included  
evaluating the accounting principles used and significant estimates made by     
management, as well as evaluating the overall presentation of the consolidated  
financial statements. We believe that our audits provide a reasonable basis for 
our opinion.                                                                    

/s/ DELOITTE & TOUCHE LLP                                                       
New York, New York                                                              
March 19, 2018                                                                  

We have served as the Company's auditor since at least 1968; however, the       
specific year has not been determined.                                          

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Balance Sheets 
December 31, 2017 and 2016  

(In millions, except share and per share data)  

                                                        [Enlarge/Download Table]

                                                                 2017           2016     
                                                             -------------  -------------
                                                                                         
Assets                                                                                   
Investments:                                                                             
Fixed maturity securities available-for-sale, at estimated                               
 fair value (amortized cost: $157,809 and $155,141,                                      
 respectively)..............................................  $    170,272   $    163,120
Equity securities available-for-sale, at estimated fair                                  
 value (cost: $1,579 and $1,785, respectively)..............         1,658          1,839
Mortgage loans (net of valuation allowances of $271 and                                  
 $267, respectively; includes $520 and $566, respectively,                               
 under the fair value option)...............................        58,459         56,560
Policy loans................................................         6,006          5,945
Real estate and real estate joint ventures (includes $1,077                              
 and $1,124, respectively, relating to variable interest                                 
 entities; includes $25 and $56, respectively, of real                                   
 estate held-for-sale)......................................         6,656          6,386
Other limited partnership interests (includes $0 and $14,                                
 respectively, relating to variable interest entities)......         3,991          3,725
Short-term investments, principally at estimated fair value.         3,155          4,690
Other invested assets (includes $131 and $39, respectively,                              
 relating to variable interest entities)....................        14,911         17,255
                                                             -------------  -------------
  Total investments.........................................       265,108        259,520
Cash and cash equivalents, principally at estimated fair                                 
 value (includes $12 and $0, respectively, relating to                                   
 variable interest entities)................................         5,069          5,714
Accrued investment income...................................         2,042          2,019
Premiums, reinsurance and other receivables (includes $3                                 
 and $6, respectively, relating to variable interest                                     
 entities)..................................................        22,098         22,383
Deferred policy acquisition costs and value of business                                  
 acquired...................................................         4,348          4,743
Current income tax recoverable..............................            64             --
Other assets (includes $2 and $3, respectively, relating to                              
 variable interest entities)................................         4,741          4,346
Separate account assets.....................................       130,825        133,836
                                                             -------------  -------------
  Total assets..............................................  $    434,295   $    432,561
                                                             =============  =============
Liabilities and Equity                                                                   
Liabilities                                                                              
Future policy benefits......................................  $    119,415   $    115,519
Policyholder account balances...............................        93,939         92,466
Other policy-related balances...............................         7,176          7,103
Policyholder dividends payable..............................           499            510
Policyholder dividend obligation............................         2,121          1,931
Payables for collateral under securities loaned and other                                
 transactions...............................................        19,871         20,815
Short-term debt.............................................           243            100
Long-term debt (includes $6 and $12, respectively, at                                    
 estimated fair value, relating to variable interest                                     
 entities)..................................................         1,667          1,589
Current income tax payable..................................            --             50
Deferred income tax liability...............................         1,369          2,385
Other liabilities (includes $3 and $0, respectively,                                     
 relating to variable interest entities)....................        27,409         29,497
Separate account liabilities................................       130,825        133,836
                                                             -------------  -------------
  Total liabilities.........................................       404,534        405,801
                                                             -------------  -------------
Contingencies, Commitments and Guarantees (Note 16)                                      
Equity                                                                                   
Metropolitan Life Insurance Company stockholder's equity:                                
Common stock, par value $0.01 per share; 1,000,000,000                                   
 shares authorized; 494,466,664 shares issued and                                        
 outstanding................................................             5              5
Additional paid-in capital..................................        14,150         14,413
Retained earnings...........................................        10,035          9,033
Accumulated other comprehensive income (loss)...............         5,428          3,119
                                                             -------------  -------------
  Total Metropolitan Life Insurance Company stockholder's                                
   equity...................................................        29,618         26,570
Noncontrolling interests....................................           143            190
                                                             -------------  -------------
  Total equity..............................................        29,761         26,760
                                                             -------------  -------------
  Total liabilities and equity..............................  $    434,295   $    432,561
                                                             =============  =============

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Operations 
For the Years Ended December 31, 2017, 2016 and 2015  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                        2017           2016           2015     
                                                                                    ------------   ------------   ------------ 
                                                                                                                               
Revenues                                                                                                                       
Premiums...........................................................................  $    22,925    $    22,393    $    21,934 
Universal life and investment-type product policy fees.............................        2,227          2,542          2,584 
Net investment income..............................................................       10,513         11,083         11,539 
Other revenues.....................................................................        1,570          1,478          1,536 
Net investment gains (losses):                                                                                                 
Other-than-temporary impairments on fixed maturity securities......................           (7)           (87)           (49)
Other-than-temporary impairments on fixed maturity securities transferred to other                                             
 comprehensive income (loss).......................................................            1            (10)            (5)
Other net investment gains (losses)................................................          340            229            313 
                                                                                    ------------   ------------   ------------ 
  Total net investment gains (losses)..............................................          334            132            259 
Net derivative gains (losses)......................................................         (344)        (1,138)           881 
                                                                                    ------------   ------------   ------------ 
  Total revenues...................................................................       37,225         36,490         38,733 
                                                                                    ------------   ------------   ------------ 
Expenses                                                                                                                       
Policyholder benefits and claims...................................................       25,792         25,313         24,547 
Interest credited to policyholder account balances.................................        2,235          2,233          2,183 
Policyholder dividends.............................................................        1,097          1,200          1,264 
Other expenses.....................................................................        5,135          5,803          6,258 
                                                                                    ------------   ------------   ------------ 
  Total expenses...................................................................       34,259         34,549         34,252 
                                                                                    ------------   ------------   ------------ 
Income (loss) before provision for income tax......................................        2,966          1,941          4,481 
Provision for income tax expense (benefit).........................................         (561)           199          1,763 
                                                                                    ------------   ------------   ------------ 
  Net income (loss)................................................................        3,527          1,742          2,718 
Less: Net income (loss) attributable to noncontrolling interests...................            2             (8)            -- 
                                                                                    ------------   ------------   ------------ 
  Net income (loss) attributable to Metropolitan Life Insurance Company............  $     3,525    $     1,750    $     2,718 
                                                                                    ============   ============   ============ 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Comprehensive Income (Loss)  
For the Years Ended December 31, 2017, 2016 and 2015  

(In millions) 

                                                                [Download Table]

                                    2017           2016        2015   
                               --------------   ---------   --------- 
                                                                      
Net income (loss).............  $       3,527    $  1,742    $  2,718 
Other comprehensive income                                            
 (loss):                                                              
Unrealized investment gains                                           
 (losses), net of related                                             
 offsets......................          4,079         406     (4,434) 
Unrealized gains (losses) on                                          
 derivatives..................           (848)         36         559 
Foreign currency translation                                          
 adjustments..................             26          13       (101) 
Defined benefit plans                                                 
 adjustment...................            129         217         342 
                               --------------   ---------   --------- 
 Other comprehensive income                                           
   (loss), before income tax..          3,386         672      (3,634)
Income tax (expense) benefit                                          
 related to items of other                                            
 comprehensive income (loss)..        (1,077)        (238)      1,285 
                               --------------   ---------   --------- 
 Other comprehensive income                                           
   (loss), net of income tax..          2,309         434      (2,349)
                               --------------   ---------   --------- 
Comprehensive income (loss)...          5,836       2,176         369 
Less: Comprehensive income                                            
 (loss) attributable to                                               
 noncontrolling interest, net                                         
 of income tax................              2          (8)         -- 
                               --------------   ---------   --------- 
 Comprehensive income (loss)                                          
   attributable to                                                    
   Metropolitan Life                                                  
   Insurance Company..........  $       5,834    $  2,184    $    369 
                               ==============   =========   ========= 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Equity 
For the Years Ended December 31, 2017, 2016 and 2015  

(In millions) 

                                                        [Enlarge/Download Table]

                                                            Accumulated            Total                                     
                                   Additional                  Other         Metropolitan Life                               
                          Common    Paid-in      Retained   Comprehensive    Insurance Company     Noncontrolling    Total   
                          Stock     Capital     Earnings   Income (Loss)    Stockholder's Equity     Interests       Equity  
                         -------- -----------  ----------  --------------  ---------------------  ---------------  --------- 
                                                                                                                             
Balance at December 31,                                                                                                      
 2014, as previously                                                                                                         
 reported............... $      5 $    14,448  $   12,470        $  5,034               $ 31,957         $    392  $  32,349 
Prior period revisions                                                                                                       
 (Note 1)...............                             (164)                                  (164)                       (164)
                         -------- -----------  ----------  --------------  ---------------------  ---------------  --------- 
Balance at December 31,                                                                                                      
 2014...................        5      14,448      12,306           5,034                 31,793              392     32,185 
Capital contributions                                                                                                        
 from MetLife, Inc......                    4                                                  4                           4 
Returns of capital......                  (11)                                               (11)                        (11)
Excess tax benefits                                                                                                          
 related to stock-based                                                                                                      
 compensation...........                    3                                                  3                           3 
Dividends paid to                                                                                                            
 MetLife, Inc...........                           (1,489)                                (1,489)                     (1,489)
Change in equity of                                                                                                          
 noncontrolling                                                                                                              
 interests..............                                                                      --              (20)       (20)
Net income (loss).......                            2,718                                  2,718                       2,718 
Other comprehensive                                                                                                          
 income (loss), net of                                                                                                       
 income tax.............                                           (2,349)                (2,349)                     (2,349)
                         -------- -----------  ----------  --------------  ---------------------  ---------------  --------- 
Balance at December 31,                                                                                                      
 2015...................        5      14,444      13,535           2,685                 30,669              372     31,041 
Capital contributions                                                                                                        
 from MetLife, Inc......                   10                                                 10                          10 
Returns of capital......                  (68)                                               (68)                        (68)
Excess tax benefits                                                                                                          
 related to stock-based                                                                                                      
 compensation...........                   27                                                 27                          27 
Dividends paid to                                                                                                            
 MetLife, Inc...........                           (3,600)                                (3,600)                     (3,600)
Dividend of                                                                                                                  
 subsidiaries (Note 3)..                           (2,652)                                (2,652)               2     (2,650)
Change in equity of                                                                                                          
 noncontrolling                                                                                                              
 interests..............                                                                      --             (176)      (176)
Net income (loss).......                            1,750                                  1,750               (8)     1,742 
Other comprehensive                                                                                                          
 income (loss), net of                                                                                                       
 income tax.............                                              434                    434                         434 
                         -------- -----------  ----------  --------------  ---------------------  ---------------  --------- 
Balance at December 31,                                                                                                      
 2016...................        5      14,413       9,033           3,119                 26,570              190     26,760 
Capital contributions                                                                                                        
 from MetLife, Inc......                    6                                                  6                           6 
Returns of capital......                  (20)                                               (20)                        (20)
Purchase of operating                                                                                                        
 joint venture interest                                                                                                      
 from an affiliate                                                                                                           
 (Note 8)...............                 (249)                                              (249)                       (249)
Dividends paid to                                                                                                            
 MetLife, Inc...........                           (2,523)                                (2,523)                     (2,523)
Change in equity of                                                                                                          
 noncontrolling                                                                                                              
 interests..............                                                                      --              (49)       (49)
Net income (loss).......                            3,525                                  3,525                2      3,527 
Other comprehensive                                                                                                          
 income (loss), net of                                                                                                       
 income tax.............                                            2,309                  2,309                       2,309 
                         -------- -----------  ----------  --------------  ---------------------  ---------------  --------- 
Balance at December 31,                                                                                                      
 2017................... $      5 $    14,150  $   10,035        $  5,428               $ 29,618         $    143  $  29,761 
                         ======== ===========  ==========  ==============  =====================  ===============  ========= 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Cash Flows 
For the Years Ended December 31, 2017, 2016 and 2015  

(In millions) 

                                                                [Download Table]

                                            2017        2016        2015    
                                         ----------  ----------  ---------- 
                                                                            
Cash flows from operating activities                                        
Net income (loss).......................   $  3,527    $  1,742    $  2,718 
Adjustments to reconcile net income                                         
 (loss) to net cash provided by (used                                       
 in) operating activities:                                                  
 Depreciation and amortization expenses.        395         367         474 
 Amortization of premiums and accretion                                     
  of discounts associated with                                              
  investments, net......................       (823)       (975)       (848)
 (Gains) losses on investments and from                                     
  sales of businesses, net..............       (334)       (132)       (259)
 (Gains) losses on derivatives, net.....        900       1,865        (426)
 (Income) loss from equity method                                           
  investments, net of dividends or                                          
  distributions.........................        314         483         320 
 Interest credited to policyholder                                          
  account balances......................      2,235       2,233       2,183 
 Universal life and investment-type                                         
  product policy fees...................     (2,227)     (2,542)     (2,584)
 Change in fair value option and                                            
  trading securities....................         17         406         278 
 Change in accrued investment income....        (40)         81         113 
 Change in premiums, reinsurance and                                        
  other receivables.....................        277      (2,606)       (135)
 Change in deferred policy acquisition                                      
  costs and value of business acquired,                                     
  net...................................        180         108         260 
 Change in income tax...................     (2,200)       (438)        238 
 Change in other assets.................        309         701         763 
 Change in insurance-related                                                
  liabilities and policy-related                                            
  balances..............................      4,029       2,741       2,648 
 Change in other liabilities............       (156)      1,731        (461)
 Other, net.............................        (49)         39         (16)
                                         ----------  ----------  ---------- 
  Net cash provided by (used in)                                            
   operating activities.................      6,354       5,804       5,266 
                                         ----------  ----------  ---------- 
Cash flows from investing activities                                        
Sales, maturities and repayments of:                                        
 Fixed maturity securities..............     53,984      74,985      82,744 
 Equity securities......................        831         859         651 
 Mortgage loans.........................      8,810      11,286      11,189 
 Real estate and real estate joint                                          
  ventures..............................        955         762       2,734 
 Other limited partnership interests....        565         830       1,185 
Purchases of:                                                               
 Fixed maturity securities..............    (55,973)    (72,414)    (76,594)
 Equity securities......................       (607)       (771)       (694)
 Mortgage loans.........................    (10,680)    (16,039)    (16,268)
 Real estate and real estate joint                                          
  ventures..............................       (885)     (1,390)       (823)
 Other limited partnership interests....       (794)       (809)       (668)
Cash received in connection with                                            
 freestanding derivatives...............      1,661       1,372       1,039 
Cash paid in connection with                                                
 freestanding derivatives...............     (2,688)     (2,451)     (1,012)
Net change in policy loans..............        (61)         85         357 
Net change in short-term investments....      1,623         694      (1,117)
Net change in other invested assets.....       (177)       (434)       (603)
Net change in property, equipment and                                       
 leasehold improvements.................       (177)       (227)         23 
                                         ----------  ----------  ---------- 
  Net cash provided by (used in)                                            
   investing activities.................   $ (3,613)   $ (3,662)   $  2,143 
                                         ----------  ----------  ---------- 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Cash Flows -- (continued)  
For the Years Ended December 31, 2017, 2016 and 2015  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                   2017       2016       2015   
                                                                                 --------   --------   -------- 
                                                                                                                
Cash flows from financing activities                                                                            
Policyholder account balances:                                                                                  
  Deposits...................................................................... $ 70,258   $ 64,962   $ 60,216 
  Withdrawals...................................................................  (70,215)   (61,252)   (61,248)
Net change in payables for collateral under securities loaned and other                                         
 transactions...................................................................     (525)      (696)    (2,230)
Long-term debt issued...........................................................      169         45        907 
Long-term debt repaid...........................................................      (92)       (58)      (673)
Financing element on certain derivative instruments and other derivative                                        
 related transactions, net......................................................     (300)      (321)       (66)
Cash paid in connection with noncontrolling interests...........................      (71)        --       (159)
Dividend of subsidiaries........................................................       --       (115)        -- 
Dividends paid to MetLife, Inc..................................................   (2,523)    (3,600)    (1,489)
Returns of capital..............................................................       (5)       (68)       (11)
Return of capital associated with the purchase of operating joint venture                                       
 interest from an affiliate (Note 8)............................................     (249)        --         -- 
Other, net......................................................................      164         24          2 
                                                                                 --------   --------   -------- 
  Net cash provided by (used in) financing activities...........................   (3,389)    (1,079)    (4,751)
                                                                                 --------   --------   -------- 
Effect of change in foreign currency exchange rates on cash and cash                                            
 equivalents balances...........................................................        3         --         -- 
                                                                                 --------   --------   -------- 
  Change in cash and cash equivalents...........................................     (645)     1,063      2,658 
Cash and cash equivalents, beginning of year....................................    5,714      4,651      1,993 
                                                                                 --------   --------   -------- 
  Cash and cash equivalents, end of year........................................ $  5,069   $  5,714   $  4,651 
                                                                                 ========   ========   ======== 
Supplemental disclosures of cash flow information                                                               
Net cash paid (received) for:                                                                                   
Interest........................................................................ $    105   $    114   $    123 
                                                                                 ========   ========   ======== 
Income tax...................................................................... $  1,693   $    819   $  1,217 
                                                                                 ========   ========   ======== 
Non-cash transactions                                                                                           
Capital contributions from MetLife, Inc......................................... $      6   $     10   $      4 
                                                                                 ========   ========   ======== 
Returns of capital.............................................................. $     15   $     --   $     -- 
                                                                                 ========   ========   ======== 
Fixed maturity securities received in connection with pension risk transfer                                     
 transactions................................................................... $     --   $    985   $    903 
                                                                                 ========   ========   ======== 
Transfer of fixed maturity securities from affiliates........................... $    292   $    367   $     -- 
                                                                                 ========   ========   ======== 
Transfer of fixed maturity securities to affiliates............................. $     --   $  3,940   $     -- 
                                                                                 ========   ========   ======== 
Transfer of mortgage loans to affiliates........................................ $     --   $    626   $     -- 
                                                                                 ========   ========   ======== 
Deconsolidation of real estate investment vehicles (1):                                                         
  Reduction of long-term debt................................................... $     --   $     --   $    543 
                                                                                 ========   ========   ======== 
  Reduction of real estate and real estate joint ventures....................... $     --   $    354   $    389 
                                                                                 ========   ========   ======== 
  Increase in noncontrolling interests.......................................... $     --   $     --   $    153 
                                                                                 ========   ========   ======== 
  Reduction of noncontrolling interests......................................... $     --   $    354   $     -- 
                                                                                 ========   ========   ======== 
Disposal of subsidiaries:                                                                                       
Assets disposed................................................................. $     --   $ 27,476   $     -- 
Liabilities disposed............................................................       --    (24,572)        -- 
                                                                                 --------   --------   -------- 
  Net assets disposed...........................................................       --      2,904         -- 
Cash disposed...................................................................       --       (115)        -- 
Dividend of interests in subsidiaries...........................................       --     (2,789)        -- 
                                                                                 --------   --------   -------- 
  Loss on dividend of interests in subsidiaries................................. $     --   $     --   $     -- 
                                                                                 ========   ========   ======== 

---------                                                                       

(1)  For the year ended December 31, 2015, amounts represent the impact of the  
consolidation of a real estate investment vehicle, offset by the      
subsequent deconsolidation of such real estate investment vehicle.    

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies                                                                        

Business                                                                        

Metropolitan Life Insurance Company and its subsidiaries (collectively,     
"MLIC" or the "Company") is a provider of insurance, annuities, employee        
benefits and asset management and is organized into two segments: U.S. and      
MetLife Holdings. Metropolitan Life Insurance Company is a wholly-owned         
subsidiary of MetLife, Inc. (MetLife, Inc., together with its subsidiaries and  
affiliates, "MetLife").                                                         

Basis of Presentation                                                           

The preparation of financial statements in conformity with accounting       
principles generally accepted in the United States of America ("GAAP") requires 
management to adopt accounting policies and make estimates and assumptions that 
affect amounts reported on the consolidated financial statements. In applying   
these policies and estimates, management makes subjective and complex judgments 
that frequently require assumptions about matters that are inherently           
uncertain. Many of these policies, estimates and related judgments are common   
in the insurance and financial services industries; others are specific to the  
Company's business and operations. Actual results could differ from these       
estimates.                                                                      

Consolidation                                                               

  The accompanying consolidated financial statements include the accounts of
Metropolitan Life Insurance Company and its subsidiaries, as well as        
partnerships and joint ventures in which the Company has control, and       
variable interest entities ("VIEs") for which the Company is the primary    
beneficiary. Intercompany accounts and transactions have been eliminated.   

Since the Company is a member of a controlled group of affiliated       
  companies, its results may not be indicative of those of a stand-alone entity.

Discontinued Operations                                                     

The results of operations of a component of the Company that has either 
been disposed of or is classified as held-for-sale are reported in          
discontinued operations if certain criteria are met. A disposal of a        
 component is reported in discontinued operations if the disposal represents a
strategic shift that has or will have a major effect on the Company's       
operations and financial results.                                           

Separate Accounts                                                           

Separate accounts are established in conformity with insurance laws.    
Generally, the assets of the separate accounts cannot be used to settle the 
liabilities that arise from any other business of the Company. Separate     
account assets are subject to general account claims only to the extent the 
value of such assets exceeds the separate account liabilities. The Company  
reports separately, as assets and liabilities, investments held in separate 
accounts and liabilities of the separate accounts if:                       

.   such separate accounts are legally recognized;                          

 .   assets supporting the contract liabilities are legally insulated from the
Company's general account liabilities;                              

.   investments are directed by the contractholder; and                     

.   all investment performance, net of contract fees and assessments, is    
passed through to the contractholder.                               

 The Company reports separate account assets at their fair value, which is
based on the estimated fair values of the underlying assets comprising the  
individual separate account portfolios. Investment performance (including   
investment income, net investment gains (losses) and changes in unrealized  
gains (losses)) and the corresponding amounts credited to contractholders of
such separate accounts are offset within the same line on the statements of 
operations. Separate accounts credited with a contractual investment return 
are combined on a line-by-line basis with the Company's general account     
assets, liabilities, revenues and expenses and the accounting for these     
 investments is consistent with the methodologies described herein for similar
financial instruments held within the general account.                      

The Company's revenues reflect fees charged to the separate accounts,   
including mortality charges, risk charges, policy administration fees,      
investment management fees and surrender charges. Such fees are included in 
universal life and investment-type product policy fees on the statements of 
operations.                                                                 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Reclassifications                                                           

 Certain amounts in the prior years' consolidated financial statements and
related footnotes thereto have been reclassified to conform with the current
year presentation as discussed throughout the Notes to the Consolidated     
Financial Statements.                                                       

Revisions                                                                   

On December 15, 2017, MetLife, Inc. announced that it was undertaking a 
review of practices and procedures used to estimate its reserves related to 
certain Retirement and Income Solutions ("RIS") group annuitants who have   
been unresponsive or missing over time. As a result of this process, the    
Company increased reserves by $510 million, before income tax, to reinstate 
reserves previously released, and to reflect accrued interest and other     
related liabilities. Of this increase, $372 million was considered an error 
 and, recording this amount in the fourth quarter of 2017 financial statements
would have had a material effect on the results of operations for 2017. As a
 result of this adjustment, amounts previously reported have been immaterially
restated. The impact of this revision to net income (loss) attributable to  
Metropolitan Life Insurance Company was a reduction of $21 million and      
$20 million for the years ended December 31, 2016 and 2015, respectively. In
addition, the Company has corrected other unrelated immaterial errors which 
were previously recorded in the periods the Company identified them.        

The impact of the revisions is shown in the tables below:               

                                                        [Enlarge/Download Table]

                                                                         December 31, 2016       
                                                                  -------------------------------
                                                                      As                         
                                                                  Previously              As     
Consolidated Balance Sheets                                        Reported  Revisions  Revised  
----------------------------------------------------------------- ---------- --------- ----------
                                                                           (In millions)         
                                                                                                 
Liabilities                                                                                      
  Future policy benefits......................................... $  115,556 $    (37) $  115,519
  Other policy-related balances.................................. $    6,731 $    372  $    7,103
  Deferred income tax liability.................................. $    2,503 $   (118) $    2,385
  Total liabilities.............................................. $  405,584 $    217  $  405,801
Equity                                                                                           
  Retained earnings.............................................. $    9,250 $   (217) $    9,033
  Total Metropolitan Life Insurance Company stockholder's equity. $   26,787 $   (217) $   26,570
  Total equity................................................... $   26,977 $   (217) $   26,760

                                                        [Enlarge/Download Table]

                                                                   For the Years Ended December 31,               
                                                     -------------------------------------------------------------
                                                                 2016                           2015              
                                                     ----------------------------- -------------------------------
                                                         As                            As                         
                                                     Previously             As     Previously              As     
Consolidated Statements of Operations                 Reported  Revisions Revised   Reported  Revisions  Revised  
---------------------------------------------------- ---------- --------- -------- ---------- --------- ----------
                                                                 (In millions, except per share data)             
                                                                                                                  
Revenues                                                                                                          
  Net investment income............................. $  11,083   $    --  $ 11,083 $  11,577  $    (38) $   11,539
  Total revenues.................................... $  36,490   $    --  $ 36,490 $  38,771  $    (38) $   38,733
Expenses                                                                                                          
  Policyholder benefits and claims.................. $  25,291   $    22  $ 25,313 $  24,527  $     20  $   24,547
  Total expenses.................................... $  34,527   $    22  $ 34,549 $  34,232  $     20  $   34,252
Income (loss) before provision for income tax....... $   1,963   $   (22) $  1,941 $   4,539  $    (58) $    4,481
Provision for income tax expense (benefit).......... $     207   $    (8) $    199 $   1,782  $    (19) $    1,763
Net income (loss)................................... $   1,756   $   (14) $  1,742 $   2,757  $    (39) $    2,718
Net income (loss) attributable to Metropolitan Life                                                               
 Insurance Company.................................. $   1,764   $   (14) $  1,750 $   2,757  $    (39) $    2,718

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

                                                        [Enlarge/Download Table]

                                                                       For the Years Ended December 31,                
                                                        ---------------------------------------------------------------
                                                                     2016                            2015              
                                                        ------------------------------ --------------------------------
                                                            As                             As                          
                                                        Previously              As     Previously               As     
Consolidated Statements of Comprehensive Income (Loss)   Reported  Revisions  Revised   Reported  Revisions   Revised  
------------------------------------------------------  ---------- ---------  -------- ---------- ---------  ----------
                                                                                 (In millions)                         
                                                                                                                       
    Net income (loss).................................. $    1,756 $     (14) $  1,742 $    2,757 $     (39) $    2,718
    Comprehensive income (loss)........................ $    2,190 $     (14) $  2,176 $      408 $     (39) $      369
     Comprehensive income (loss) attributable to                                                                       
       Metropolitan Life Insurance Company............. $    2,198 $     (14) $  2,184 $      408 $     (39) $      369

                                                        [Enlarge/Download Table]

                                                                    As                        
                                                                Previously              As    
Consolidated Statements of Equity                                Reported  Revisions  Revised 
--------------------------------------------------------------- ---------- --------- ---------
                                                                        (In millions)         
                                                                                              
Retained Earnings                                                                             
  Balance at December 31, 2014................................. $  12,470  $   (164) $  12,306
  Net income (loss)............................................ $   2,757  $    (39) $   2,718
  Balance at December 31, 2015................................. $  13,738  $   (203) $  13,535
  Net income (loss)............................................ $   1,764  $    (14) $   1,750
  Balance at December 31, 2016................................. $   9,250  $   (217) $   9,033
Total Metropolitan Life Insurance Company Stockholder's Equity                                
  Balance at December 31, 2014................................. $  31,957  $   (164) $  31,793
  Balance at December 31, 2015................................. $  30,872  $   (203) $  30,669
  Balance at December 31, 2016................................. $  26,787  $   (217) $  26,570
Total Equity                                                                                  
  Balance at December 31, 2014................................. $  32,349  $   (164) $  32,185
  Balance at December 31, 2015................................. $  31,244  $   (203) $  31,041
  Balance at December 31, 2016................................. $  26,977  $   (217) $  26,760

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

                                                        [Enlarge/Download Table]

                                                                             For the Years Ended December 31,               
                                                               ------------------------------------------------------------ 
                                                                            2016                           2015             
                                                               -----------------------------  ----------------------------- 
                                                                   As                             As                        
                                                               Previously              As     Previously              As    
Consolidated Statements of Cash Flows                           Reported  Revisions  Revised   Reported  Revisions  Revised 
-------------------------------------------------------------  ---------- --------- --------  ---------- --------- -------- 
                                                                                       (In millions)                        
                                                                                                                            
Cash flows from operating activities                                                                                        
  Net income (loss)...........................................  $  1,756    $ (14)  $  1,742   $  2,757    $ (39)  $  2,718 
  Change in income tax........................................  $   (430)   $  (8)  $   (438)  $    257    $ (19)  $    238 
  Change in insurance-related liabilities and policy-related                                                                
   balances...................................................  $  2,719    $  22   $  2,741   $  2,628    $  20   $  2,648 
  Change in other liabilities.................................  $  1,731    $  --   $  1,731   $   (499)   $  38   $   (461)

Summary of Significant Accounting Policies                                      

The following are the Company's significant accounting policies with        
references to notes providing additional information on such policies and       
critical accounting estimates relating to such policies.                        

                                                        [Enlarge/Download Table]
                                                                                            
--------------------------------------------------------------------------------------------
Accounting Policy                                                                       Note
--------------------------------------------------------------------------------------------
Insurance                                                                               4   
--------------------------------------------------------------------------------------------
Deferred Policy Acquisition Costs, Value of Business Acquired and Other Intangibles     5   
--------------------------------------------------------------------------------------------
Reinsurance                                                                             6   
--------------------------------------------------------------------------------------------
Investments                                                                             8   
--------------------------------------------------------------------------------------------
Derivatives                                                                             9   
--------------------------------------------------------------------------------------------
Fair Value                                                                             10   
--------------------------------------------------------------------------------------------
Employee Benefit Plans                                                                 14   
--------------------------------------------------------------------------------------------
Income Tax                                                                             15   
--------------------------------------------------------------------------------------------
Litigation Contingencies                                                               16   
--------------------------------------------------------------------------------------------

Insurance                                                                   

Future Policy Benefit Liabilities and Policyholder Account Balances       

 The Company establishes liabilities for amounts payable under insurance
  policies. Generally, amounts are payable over an extended period of time and
related liabilities are calculated as the present value of future expected
benefits to be paid, reduced by the present value of future expected      
premiums. Such liabilities are established based on methods and underlying
assumptions in accordance with GAAP and applicable actuarial standards.   
Principal assumptions used in the establishment of liabilities for future 
  policy benefits are mortality, morbidity, policy lapse, renewal, retirement,
disability incidence, disability terminations, investment returns,        
inflation, expenses and other contingent events as appropriate to the     
respective product type. These assumptions are established at the time the
 policy is issued and are intended to estimate the experience for the period
the policy benefits are payable. Utilizing these assumptions, liabilities 
are established on a block of business basis. For long-duration insurance 
contracts, assumptions such as mortality, morbidity and interest rates are
 "locked in" upon the issuance of new business. However, significant adverse
changes in experience on such contracts may require the establishment of  
 premium deficiency reserves. Such reserves are determined based on the then
current assumptions and do not include a provision for adverse deviation. 

Premium deficiency reserves may also be established for short-duration
  contracts to provide for expected future losses. These reserves are based on
  actuarial estimates of the amount of loss inherent in that period, including
 losses incurred for which claims have not been reported. The provisions for
unreported claims are calculated using studies that measure the historical
length of time between the incurred date of a claim and its eventual      
  reporting to the Company. Anticipated investment income is considered in the
calculation of premium deficiency losses for short-duration contracts.    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Liabilities for universal and variable life policies with secondary   
 guarantees and paid-up guarantees are determined by estimating the expected
 value of death benefits payable when the account balance is projected to be
zero and recognizing those benefits ratably over the accumulation period  
 based on total expected assessments. The assumptions used in estimating the
secondary and paid-up guarantee liabilities are consistent with those used
for amortizing deferred policy acquisition costs ("DAC"), and are thus    
subject to the same variability and risk as further discussed herein. The 
assumptions of investment performance and volatility for variable products
are consistent with historical experience of appropriate underlying equity
  indices, such as the Standard & Poor's Global Ratings ("S&P") 500 Index. The
benefits used in calculating the liabilities are based on the average     
benefits payable over a range of scenarios.                               

The Company regularly reviews its estimates of liabilities for future 
policy benefits and compares them with its actual experience. Differences 
 result in changes to the liability balances with related charges or credits
to benefit expenses in the period in which the changes occur.             

Policyholder account balances relate to contracts or contract features
where the Company has no significant insurance risk.                      

The Company issues directly and assumes through reinsurance certain   
 variable annuity products with guaranteed minimum benefits that provide the
policyholder a minimum return based on their initial deposit adjusted for 
 withdrawals. These guarantees are accounted for as insurance liabilities or
as embedded derivatives depending on how and when the benefit is paid.    
Specifically, a guarantee is accounted for as an embedded derivative if a 
guarantee is paid without requiring (i) the occurrence of a specific      
insurable event, or (ii) the policyholder to annuitize. Alternatively, a  
guarantee is accounted for as an insurance liability if the guarantee is  
paid only upon either (i) the occurrence of a specific insurable event, or
 (ii) annuitization. In certain cases, a guarantee may have elements of both
an insurance liability and an embedded derivative and in such cases the   
guarantee is split and accounted for under both models.                   

Guarantees accounted for as insurance liabilities in future policy    
  benefits include guaranteed minimum death benefits ("GMDBs"), the portion of
  guaranteed minimum income benefits ("GMIBs") that require annuitization, and
the life-contingent portion of guaranteed minimum withdrawal              
benefits ("GMWBs").                                                       

  Guarantees accounted for as embedded derivatives in policyholder account
balances include the non life-contingent portion of GMWBs, guaranteed     
  minimum accumulation benefits ("GMABs") and the portion of GMIBs that do not
 require annuitization. At inception, the Company attributes to the embedded
 derivative a portion of the projected future guarantee fees to be collected
from the policyholder equal to the present value of projected future      
guaranteed benefits. Any additional fees represent "excess" fees and are  
reported in universal life and investment-type product policy fees.       

Other Policy-Related Balances                                             

    Other policy-related balances include policy and contract claims, premiums
  received in advance, unearned revenue liabilities, obligations assumed under
structured settlements, policyholder dividends due and unpaid, and        
policyholder dividends left on deposit.                                   

    The liability for policy and contract claims generally relates to incurred
but not reported ("IBNR") death, disability, long-term care and dental    
 claims, as well as claims which have been reported but not yet settled. The
  liability for these claims is based on the Company's estimated ultimate cost
  of settling all claims. The Company derives estimates for the development of
IBNR claims principally from analyses of historical patterns of claims by 
  business line. The methods used to determine these estimates are continually
reviewed. Adjustments resulting from this continuous review process and   
differences between estimates and payments for claims are recognized in   
policyholder benefits and claims expense in the period in which the       
estimates are changed or payments are made.                               

The Company accounts for the prepayment of premiums on its individual 
life, group life and health contracts as premiums received in advance and 
applies the cash received to premiums when due.                           

The unearned revenue liability relates to universal life-type and     
investment-type products and represents policy charges for services to be 
  provided in future periods. The charges are deferred as unearned revenue and
amortized using the product's estimated gross profits and margins, similar
to DAC as discussed further herein. Such amortization is recorded in      
universal life and investment-type product policy fees.                   

See Note 4 for additional information on obligations assumed under    
structured settlement assignments.                                        

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Recognition of Insurance Revenues and Deposits                            

Premiums related to traditional life and annuity contracts with life  
contingencies are recognized as revenues when due from policyholders.     
Policyholder benefits and expenses are provided to recognize profits over 
 the estimated lives of the insurance policies. When premiums are due over a
significantly shorter period than the period over which benefits are      
provided, any excess profit is deferred and recognized into earnings in a 
  constant relationship to insurance in-force or, for annuities, the amount of
expected future policy benefit payments.                                  

Premiums related to short-duration non-medical health, disability and 
accident & health contracts are recognized on a pro rata basis over the   
applicable contract term.                                                 

  Deposits related to universal life-type and investment-type products are
credited to policyholder account balances. Revenues from such contracts   
consist of fees for mortality, policy administration and surrender charges
and are recorded in universal life and investment-type product policy fees
in the period in which services are provided. Amounts that are charged to 
 earnings include interest credited and benefit claims incurred in excess of
related policyholder account balances.                                    

    All revenues and expenses are presented net of reinsurance, as applicable.

Deferred Policy Acquisition Costs, Value of Business Acquired and Other     
Intangibles                                                                     

 The Company incurs significant costs in connection with acquiring new and
 renewal insurance business. Costs that are related directly to the successful
acquisition or renewal of insurance contracts are capitalized as DAC. Such  
costs include:                                                              

.   incremental direct costs of contract acquisition, such as commissions;  

.   the portion of an employee's total compensation and benefits related to 
  time spent selling, underwriting or processing the issuance of new and
    renewal insurance business only with respect to actual policies acquired
or renewed; and                                                     

.   other essential direct costs that would not have been incurred had a    
policy not been acquired or renewed.                                

All other acquisition-related costs, including those related to general 
advertising and solicitation, market research, agent training, product      
development, unsuccessful sales and underwriting efforts, as well as all    
indirect costs, are expensed as incurred.                                   

   Value of business acquired ("VOBA") is an intangible asset resulting from a
business combination that represents the excess of book value over the      
estimated fair value of acquired insurance, annuity, and investment-type    
contracts in-force at the acquisition date. The estimated fair value of the 
acquired liabilities is based on projections, by each block of business, of 
future policy and contract charges, premiums, mortality and morbidity,      
separate account performance, surrenders, operating expenses, investment    
returns, nonperformance risk adjustment and other factors. Actual experience
on the purchased business may vary from these projections.                  

DAC and VOBA are amortized as follows:                                  

Products:                              In proportion to the following over    
                                 estimated lives of the contracts:
------------------------------------------------------------------------------
. Nonparticipating and                   Actual and expected future gross     
non-dividend-paying traditional        premiums.                          
contracts:                                                                
.  Term insurance                                                           
.  Nonparticipating whole life                                              
insurance                                                             
.  Traditional group life insurance                                         
.  Non-medical health insurance                                             
------------------------------------------------------------------------------
. Participating, dividend-paying         Actual and expected future gross     
traditional contracts                  margins.                           
------------------------------------------------------------------------------
. Fixed and variable universal life      Actual and expected future gross     
contracts                              profits.                           
. Fixed and variable deferred annuity                                         
contracts                                                                 

See Note 5 for additional information on DAC and VOBA amortization.     
Amortization of DAC and VOBA is included in other expenses.                 

  The recovery of DAC and VOBA is dependent upon the future profitability of
 the related business. DAC and VOBA are aggregated on the financial statements
for reporting purposes.                                                     

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

The Company generally has two different types of sales inducements which
are included in other assets: (i) the policyholder receives a bonus whereby 
 the policyholder's initial account balance is increased by an amount equal to
a specified percentage of the customer's deposit; and (ii) the policyholder 
receives a higher interest rate using a dollar cost averaging method than   
would have been received based on the normal general account interest rate  
credited. The Company defers sales inducements and amortizes them over the  
life of the policy using the same methodology and assumptions used to       
amortize DAC. The amortization of sales inducements is included in          
policyholder benefits and claims. Each year, or more frequently if          
circumstances indicate a potential recoverability issue exists, the Company 
 reviews deferred sales inducements ("DSI") to determine the recoverability of
the asset.                                                                  

Value of distribution agreements acquired ("VODA") is reported in other 
 assets and represents the present value of expected future profits associated
with the expected future business derived from the distribution agreements  
acquired as part of a business combination. Value of customer relationships 
acquired ("VOCRA") is also reported in other assets and represents the      
present value of the expected future profits associated with the expected   
future business acquired through existing customers of the acquired company 
or business. The VODA and VOCRA associated with past business combinations  
are amortized over useful lives ranging from 10 to 30 years and such        
amortization is included in other expenses. Each year, or more frequently if
 circumstances indicate a possible impairment exists, the Company reviews VODA
and VOCRA to determine whether the asset is impaired.                       

Reinsurance                                                                 

  For each of its reinsurance agreements, the Company determines whether the
agreement provides indemnification against loss or liability relating to    
insurance risk in accordance with applicable accounting standards. Cessions 
under reinsurance agreements do not discharge the Company's obligations as  
the primary insurer. The Company reviews all contractual features, including
those that may limit the amount of insurance risk to which the reinsurer is 
subject or features that delay the timely reimbursement of claims.          

   For reinsurance of existing in-force blocks of long-duration contracts that
transfer significant insurance risk, the difference, if any, between the    
amounts paid (received), and the liabilities ceded (assumed) related to the 
underlying contracts is considered the net cost of reinsurance at the       
inception of the reinsurance agreement. The net cost of reinsurance is      
recorded as an adjustment to DAC when there is a gain at inception on the   
 ceding entity and to other liabilities when there is a loss at inception. The
net cost of reinsurance is recognized as a component of other expenses when 
there is a gain at inception and as policyholder benefits and claims when   
there is a loss and is subsequently amortized on a basis consistent with the
methodology used for amortizing DAC related to the underlying reinsured     
contracts. Subsequent amounts paid (received) on the reinsurance of in-force
blocks, as well as amounts paid (received) related to new business, are     
recorded as ceded (assumed) premiums; and ceded (assumed) premiums,         
reinsurance and other receivables (future policy benefits) are established. 

For prospective reinsurance of short-duration contracts that meet the   
criteria for reinsurance accounting, amounts paid (received) are recorded as
ceded (assumed) premiums and ceded (assumed) unearned premiums. Unearned    
premiums are reflected as a component of premiums, reinsurance and other    
receivables (future policy benefits). Such amounts are amortized through    
earned premiums over the remaining contract period in proportion to the     
amount of insurance protection provided. For retroactive reinsurance of     
short-duration contracts that meet the criteria of reinsurance accounting,  
amounts paid (received) in excess of the related insurance liabilities      
ceded (assumed) are recognized immediately as a loss and are reported in the
appropriate line item within the statement of operations. Any gain on such  
retroactive agreement is deferred and is amortized as part of DAC, primarily
using the recovery method.                                                  

  Amounts currently recoverable under reinsurance agreements are included in
 premiums, reinsurance and other receivables and amounts currently payable are
 included in other liabilities. Assets and liabilities relating to reinsurance
agreements with the same reinsurer may be recorded net on the balance sheet,
if a right of offset exists within the reinsurance agreement. In the event  
that reinsurers do not meet their obligations to the Company under the terms
of the reinsurance agreements, reinsurance recoverable balances could become
 uncollectible. In such instances, reinsurance recoverable balances are stated
net of allowances for uncollectible reinsurance.                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

  The funds withheld liability represents amounts withheld by the Company in
accordance with the terms of the reinsurance agreements. The Company        
withholds the funds rather than transferring the underlying investments and,
as a result, records funds withheld liability within other liabilities. The 
 Company recognizes interest on funds withheld, included in other expenses, at
rates defined by the terms of the agreement which may be contractually      
specified or directly related to the investment portfolio.                  

   Premiums, fees and policyholder benefits and claims include amounts assumed
under reinsurance agreements and are net of reinsurance ceded. Amounts      
received from reinsurers for policy administration are reported in other    
revenues. With respect to GMIBs, a portion of the directly written GMIBs are
accounted for as insurance liabilities, but the associated reinsurance      
agreements contain embedded derivatives. These embedded derivatives are     
included in premiums, reinsurance and other receivables with changes in     
estimated fair value reported in net derivative gains (losses). Certain     
assumed GMWB, GMAB and GMIB are also accounted for as embedded derivatives  
with changes in estimated fair value reported in net derivative gains       
(losses).                                                                   

  If the Company determines that a reinsurance agreement does not expose the
reinsurer to a reasonable possibility of a significant loss from insurance  
risk, the Company records the agreement using the deposit method of         
accounting. Deposits received are included in other liabilities and deposits
made are included within premiums, reinsurance and other receivables. As    
amounts are paid or received, consistent with the underlying contracts, the 
deposit assets or liabilities are adjusted. Interest on such deposits is    
recorded as other revenues or other expenses, as appropriate. Periodically, 
 the Company evaluates the adequacy of the expected payments or recoveries and
adjusts the deposit asset or liability through other revenues or other      
expenses, as appropriate.                                                   

Investments                                                                 

Net Investment Income and Net Investment Gains (Losses)                   

  Income from investments is reported within net investment income, unless
otherwise stated herein. Gains and losses on sales of investments,        
impairment losses and changes in valuation allowances are reported within 
net investment gains (losses), unless otherwise stated herein.            

Fixed Maturity and Equity Securities                                      

The majority of the Company's fixed maturity and equity securities are
  classified as available-for-sale ("AFS") and are reported at their estimated
fair value. Unrealized investment gains and losses on these securities are
recorded as a separate component of other comprehensive                   
income (loss) ("OCI"), net of policy-related amounts and deferred income  
taxes. All security transactions are recorded on a trade date basis.      
Investment gains and losses on sales are determined on a specific         
identification basis.                                                     

  Interest income and prepayment fees are recognized when earned. Interest
income is recognized using an effective yield method giving effect to     
amortization of premiums and accretion of discounts, and is based on the  
estimated economic life of the securities, which for mortgage-backed and  
asset-backed securities considers the estimated timing and amount of      
prepayments of the underlying loans. See Note 8 "Fixed Maturity and Equity
Securities AFS -- Methodology for Amortization of Premium and Accretion of
Discount on Structured Securities." The amortization of premium and       
accretion of discount of fixed maturity securities also takes into        
consideration call and maturity dates. Dividends on equity securities are 
recognized when declared.                                                 

 The Company periodically evaluates fixed maturity and equity securities
  for impairment. The assessment of whether impairments have occurred is based
on management's case-by-case evaluation of the underlying reasons for the 
decline in estimated fair value, as well as an analysis of the gross      
unrealized losses by severity and/or age as described in Note 8 "Fixed    
 Maturity and Equity Securities AFS -- Evaluation of AFS Securities for OTTI
and Evaluating Temporarily Impaired AFS Securities."                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

For fixed maturity securities in an unrealized loss position, an      
other-than-temporary impairment ("OTTI") is recognized in earnings when it
is anticipated that the amortized cost will not be recovered. When either:
(i) the Company has the intent to sell the security; or (ii) it is more   
likely than not that the Company will be required to sell the security    
before recovery, the OTTI recognized in earnings is the entire difference 
between the security's amortized cost and estimated fair value. If neither
  of these conditions exists, the difference between the amortized cost of the
  security and the present value of projected future cash flows expected to be
collected is recognized as an OTTI in earnings ("credit loss"). If the    
  estimated fair value is less than the present value of projected future cash
flows expected to be collected, this portion of OTTI related to           
other-than-credit factors ("noncredit loss") is recorded in OCI.          

With respect to equity securities, the Company considers in its OTTI  
analysis its intent and ability to hold a particular equity security for a
period of time sufficient to allow for the recovery of its estimated fair 
  value to an amount equal to or greater than cost. If a sale decision is made
for an equity security and recovery to an amount at least equal to cost   
prior to the sale is not expected, the security will be deemed to be      
other-than-temporarily impaired in the period that the sale decision was  
  made and an OTTI loss will be recorded in earnings. The OTTI loss recognized
 is the entire difference between the security's cost and its estimated fair
value.                                                                    

Mortgage Loans                                                            

The Company disaggregates its mortgage loan investments into three    
  portfolio segments: commercial, agricultural and residential. The accounting
policies that are applicable to all portfolio segments are presented below
and the accounting policies related to each of the portfolio segments are 
included in Note 8.                                                       

 Mortgage loans are stated at unpaid principal balance, adjusted for any
unamortized premium or discount, deferred fees or expenses, and are net of
valuation allowances. Interest income and prepayment fees are recognized  
when earned. Interest income is recognized using an effective yield method
giving effect to amortization of premiums and accretion of discounts.     

  Also included in mortgage loans are residential mortgage loans for which
 the fair value option ("FVO") was elected and which are stated at estimated
  fair value. Changes in estimated fair value are recognized in net investment
income.                                                                   

Policy Loans                                                              

  Policy loans are stated at unpaid principal balances. Interest income is
recorded as earned using the contractual interest rate. Generally, accrued
interest is capitalized on the policy's anniversary date. Valuation       
allowances are not established for policy loans, as they are fully        
collateralized by the cash surrender value of the underlying insurance    
policies. Any unpaid principal and accrued interest is deducted from the  
cash surrender value or the death benefit prior to settlement of the      
insurance policy.                                                         

Real Estate                                                               

Real estate held-for-investment is stated at cost less accumulated    
depreciation. Depreciation is recorded on a straight-line basis over the  
  estimated useful life of the asset (typically 20 to 55 years). Rental income
is recognized on a straight-line basis over the term of the respective    
  leases. The Company periodically reviews its real estate held-for-investment
for impairment and tests for recoverability whenever events or changes in 
  circumstances indicate the carrying value may not be recoverable and exceeds
 its estimated fair value. Properties whose carrying values are greater than
their undiscounted cash flows are written down to their estimated fair    
value, which is generally computed using the present value of expected    
future cash flows discounted at a rate commensurate with the underlying   
risks.                                                                    

Real estate for which the Company commits to a plan to sell within one
  year and actively markets in its current condition for a reasonable price in
 comparison to its estimated fair value is classified as held-for-sale. Real
  estate held-for-sale is stated at the lower of depreciated cost or estimated
fair value less expected disposition costs and is not depreciated.        

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Real Estate Joint Ventures and Other Limited Partnership Interests        

The Company uses the equity method of accounting for equity securities
when it has significant influence or at least 20% interest and for real   
 estate joint ventures and other limited partnership interests ("investees")
when it has more than a minor ownership interest or more than a minor     
influence over the investee's operations. The Company generally recognizes
  its share of the investee's earnings on a three-month lag in instances where
 the investee's financial information is not sufficiently timely or when the
investee's reporting period differs from the Company's reporting period.  

    The Company uses the cost method of accounting for investments in which it
has virtually no influence over the investee's operations. The Company    
 recognizes distributions on cost method investments when such distributions
become payable or received. Because of the nature and structure of these  
cost method investments, they do not meet the characteristics of an equity
security in accordance with applicable accounting standards.              

The Company routinely evaluates its equity method and cost method     
investments for impairment. For equity method investees, the Company      
considers financial and other information provided by the investee, other 
 known information and inherent risks in the underlying investments, as well
as future capital commitments, in determining whether an impairment has   
occurred. The Company considers its cost method investments for impairment
when the carrying value of such investments exceeds the net asset value   
("NAV"). The Company takes into consideration the severity and duration of
  this excess when determining whether the cost method investment is impaired.

Short-term Investments                                                    

Short-term investments include securities and other investments with  
 remaining maturities of one year or less, but greater than three months, at
the time of purchase and are stated at estimated fair value or amortized  
cost, which approximates estimated fair value. Short-term investments also
include investments in affiliated money market pools.                     

Other Invested Assets                                                     

Other invested assets consist principally of the following:           

.   Freestanding derivatives with positive estimated fair values which are  
described in "-- Derivatives" below.                                

.   Tax credit and renewable energy partnerships which derive a significant 
  source of investment return in the form of income tax credits or other
    tax incentives. Where tax credits are guaranteed by a creditworthy third
    party, the investment is accounted for under the effective yield method.
   Otherwise, the investment is accounted for under the equity method. See
Note 15.                                                            

.   Loans to affiliates which are stated at unpaid principal balance and    
adjusted for any unamortized premium or discount.                   

.   Annuities funding structured settlement claims represent annuities      
 funding claims assumed by the Company in its capacity as a structured
settlements assignment company. The annuities are stated at their   
     contract value, which represents the present value of the future periodic
claim payments to be provided. The net investment income recognized 
reflects the amortization of discount of the annuity at its implied 
effective interest rate. See Note 4.                                

.   Leveraged leases which are recorded net of non-recourse debt. Income is 
    recognized by applying the leveraged lease's estimated rate of return to
the net investment in the lease. Leveraged leases derive investment 
  returns in part from their income tax treatment. The Company regularly
reviews residual values for impairment.                             

.   Direct financing leases gross investment is equal to the minimum lease  
payments plus the unguaranteed residual value. Income is recorded by
   applying the pre-tax internal rate of return to the investment balance.
The Company regularly reviews lease receivables for impairment.     

.   Funds withheld represent a receivable for amounts contractually withheld
by ceding companies in accordance with reinsurance agreements. The  
 Company recognizes interest on funds withheld at rates defined by the
   terms of the agreement which may be contractually specified or directly
related to the underlying investments.                              

.   Investment in an operating joint venture that engages in insurance      
underwriting activities accounted for under the equity method.      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Securities Lending Program                                                

  Securities lending transactions, whereby blocks of securities are loaned
to third parties, primarily brokerage firms and commercial banks, are     
treated as financing arrangements and the associated liability is recorded
at the amount of cash received. The Company obtains collateral at the     
  inception of the loan, usually cash, in an amount generally equal to 102% of
the estimated fair value of the securities loaned, and maintains it at a  
  level greater than or equal to 100% for the duration of the loan. Securities
 loaned under such transactions may be sold or re-pledged by the transferee.
The Company is liable to return to the counterparties the cash collateral 
received. Security collateral on deposit from counterparties in connection
with securities lending transactions may not be sold or re-pledged, unless
the counterparty is in default, and is not reflected on the Company's     
financial statements. The Company monitors the estimated fair value of the
 securities loaned on a daily basis and additional collateral is obtained as
necessary throughout the duration of the loan. Income and expenses        
associated with securities lending transactions are reported as investment
income and investment expense, respectively, within net investment income.

Repurchase Agreements                                                     

The Company participates in short-term repurchase agreements with     
unaffiliated financial institutions. Under these agreements, the Company  
  lends fixed maturity securities and receives cash as collateral in an amount
  generally equal to 95% to 100% of the estimated fair value of the securities
loaned at the inception of the transaction. The associated liability is   
 recorded at the amount of cash received. The Company monitors the estimated
fair value of the collateral and the securities loaned throughout the     
duration of the transaction and additional collateral is obtained as      
necessary. Securities loaned under such transactions may be sold or       
re-pledged by the transferee.                                             

Derivatives                                                                 

Freestanding Derivatives                                                  

    Freestanding derivatives are carried on the Company's balance sheet either
as assets within other invested assets or as liabilities within other     
liabilities at estimated fair value. The Company does not offset the      
estimated fair value amounts recognized for derivatives executed with the 
same counterparty under the same master netting agreement.                

Accruals on derivatives are generally recorded in accrued investment  
  income or within other liabilities. However, accruals that are not scheduled
to settle within one year are included with the derivatives carrying value
in other invested assets or other liabilities.                            

If a derivative is not designated as an accounting hedge or its use in
managing risk does not qualify for hedge accounting, changes in the       
estimated fair value of the derivative are reported in net derivative     
gains (losses) except as follows:                                         

                                                        [Enlarge/Download Table]
                                                                                                           
Statement of Operations Presentation:  Derivative:                                                         
-----------------------------------------------------------------------------------------------------------
Policyholder benefits and claims       Economic hedges of variable annuity guarantees included in future   
                                           policy benefits                                                 
-----------------------------------------------------------------------------------------------------------
Net investment income                  Economic hedges of equity method investments in joint ventures      
                                       All derivatives held in relation to trading portfolios              

Hedge Accounting                                                          

To qualify for hedge accounting, at the inception of the hedging      
relationship, the Company formally documents its risk management objective
and strategy for undertaking the hedging transaction, as well as its      
designation of the hedge. Hedge designation and financial statement       
presentation of changes in estimated fair value of the hedging derivatives
are as follows:                                                           

.   Fair value hedge (a hedge of the estimated fair value of a recognized   
   asset or liability) - in net derivative gains (losses), consistent with
     the change in estimated fair value of the hedged item attributable to the
designated risk being hedged.                                       

.   Cash flow hedge (a hedge of a forecasted transaction or of the          
    variability of cash flows to be received or paid related to a recognized
   asset or liability) - effectiveness in OCI (deferred gains or losses on
     the derivative are reclassified into the statement of operations when the
   Company's earnings are affected by the variability in cash flows of the
hedged item); ineffectiveness in net derivative gains (losses).     

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

The changes in estimated fair values of the hedging derivatives are   
exclusive of any accruals that are separately reported on the statement of
 operations within interest income or interest expense to match the location
of the hedged item.                                                       

In its hedge documentation, the Company sets forth how the hedging    
instrument is expected to hedge the designated risks related to the hedged
item and sets forth the method that will be used to retrospectively and   
prospectively assess the hedging instrument's effectiveness and the method
that will be used to measure ineffectiveness. A derivative designated as a
 hedging instrument must be assessed as being highly effective in offsetting
the designated risk of the hedged item. Hedge effectiveness is formally   
assessed at inception and at least quarterly throughout the life of the   
designated hedging relationship. Assessments of hedge effectiveness and   
measurements of ineffectiveness are also subject to interpretation and    
estimation and different interpretations or estimates may have a material 
effect on the amount reported in net income.                              

 The Company discontinues hedge accounting prospectively when: (i) it is
determined that the derivative is no longer highly effective in offsetting
  changes in the estimated fair value or cash flows of a hedged item; (ii) the
  derivative expires, is sold, terminated, or exercised; (iii) it is no longer
probable that the hedged forecasted transaction will occur; or (iv) the   
derivative is de-designated as a hedging instrument.                      

 When hedge accounting is discontinued because it is determined that the
derivative is not highly effective in offsetting changes in the estimated 
fair value or cash flows of a hedged item, the derivative continues to be 
carried on the balance sheet at its estimated fair value, with changes in 
estimated fair value recognized in net derivative gains (losses). The     
carrying value of the hedged recognized asset or liability under a fair   
value hedge is no longer adjusted for changes in its estimated fair value 
 due to the hedged risk, and the cumulative adjustment to its carrying value
is amortized into income over the remaining life of the hedged item.      
 Provided the hedged forecasted transaction is still probable of occurrence,
the changes in estimated fair value of derivatives recorded in OCI related
to discontinued cash flow hedges are released into the statement of       
operations when the Company's earnings are affected by the variability in 
cash flows of the hedged item.                                            

When hedge accounting is discontinued because it is no longer probable
that the forecasted transactions will occur on the anticipated date or    
within two months of that date, the derivative continues to be carried on 
the balance sheet at its estimated fair value, with changes in estimated  
fair value recognized currently in net derivative gains (losses). Deferred
gains and losses of a derivative recorded in OCI pursuant to the          
discontinued cash flow hedge of a forecasted transaction that is no longer
probable are recognized immediately in net derivative gains (losses).     

In all other situations in which hedge accounting is discontinued, the
  derivative is carried at its estimated fair value on the balance sheet, with
 changes in its estimated fair value recognized in the current period as net
derivative gains (losses).                                                

Embedded Derivatives                                                      

    The Company sells variable annuities and issues certain insurance products
and investment contracts and is a party to certain reinsurance agreements 
that have embedded derivatives. The Company assesses each identified      
embedded derivative to determine whether it is required to be bifurcated. 
The embedded derivative is bifurcated from the host contract and accounted
for as a freestanding derivative if:                                      

 .   the combined instrument is not accounted for in its entirety at estimated
 fair value with changes in estimated fair value recorded in earnings;

.   the terms of the embedded derivative are not clearly and closely related
to the economic characteristics of the host contract; and           

.   a separate instrument with the same terms as the embedded derivative    
would qualify as a derivative instrument.                           

 Such embedded derivatives are carried on the balance sheet at estimated
 fair value with the host contract and changes in their estimated fair value
are generally reported in net derivative gains (losses). If the Company is
unable to properly identify and measure an embedded derivative for        
separation from its host contract, the entire contract is carried on the  
 balance sheet at estimated fair value, with changes in estimated fair value
recognized in the current period in net investment gains (losses) or net  
investment income. Additionally, the Company may elect to carry an entire 
contract on the balance sheet at estimated fair value, with changes in    
estimated fair value recognized in the current period in net investment   
gains (losses) or net investment income if that contract contains an      
embedded derivative that requires bifurcation. At inception, the Company  
attributes to the embedded derivative a portion of the projected future   
guarantee fees to be collected from the policyholder equal to the present 
  value of projected future guaranteed benefits. Any additional fees represent
  "excess" fees and are reported in universal life and investment-type product
policy fees.                                                              

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Fair Value                                                                  

  Fair value is defined as the price that would be received to sell an asset
or paid to transfer a liability (an exit price) in the principal or most    
advantageous market for the asset or liability in an orderly transaction    
between market participants on the measurement date. In most cases, the exit
price and the transaction (or entry) price will be the same at initial      
recognition.                                                                

Subsequent to initial recognition, fair values are based on unadjusted  
quoted prices for identical assets or liabilities in active markets that are
readily and regularly obtainable. When such quoted prices are not available,
 fair values are based on quoted prices in markets that are not active, quoted
prices for similar but not identical assets or liabilities, or other        
observable inputs. If these inputs are not available, or observable inputs  
are not determinable, unobservable inputs and/or adjustments to observable  
inputs requiring management's judgment are used to determine the estimated  
fair value of assets and liabilities.                                       

Employee Benefit Plans                                                      

The Company sponsors and administers various qualified and nonqualified 
 defined benefit pension plans and other postretirement employee benefit plans
covering eligible employees who meet specified eligibility requirements of  
the sponsor and its participating affiliates. A December 31 measurement date
is used for all of the Company's defined benefit pension and other          
postretirement benefit plans.                                               

The Company recognizes the funded status of each of its defined benefit 
pension and postretirement benefit plans, measured as the difference between
the fair value of plan assets and the benefit obligation, which is the      
 projected benefit obligation ("PBO") for pension benefits and the accumulated
postretirement benefit obligation ("APBO") for other postretirement benefits
in other assets or other liabilities.                                       

Actuarial gains and losses result from differences between the actual   
experience and the assumed experience on plan assets or PBO during a        
 particular period and are recorded in accumulated OCI ("AOCI"). To the extent
such gains and losses exceed 10% of the greater of the PBO or the estimated 
fair value of plan assets, the excess is amortized into net periodic benefit
costs, generally over the average projected future service years of the     
 active employees. In addition, prior service costs (credit) are recognized in
AOCI at the time of the amendment and then amortized to net periodic benefit
  costs over the average projected future service years of the active employees.

  Net periodic benefit costs are determined using management's estimates and
actuarial assumptions and are comprised of service cost, interest cost,     
settlement and curtailment costs, expected return on plan assets,           
amortization of net actuarial (gains) losses, and amortization of prior     
service costs (credit). Fair value is used to determine the expected return 
on plan assets.                                                             

  The Company also sponsors defined contribution plans for substantially all
employees under which a portion of employee contributions is matched.       
Applicable matching contributions are made each payroll period. Accordingly,
the Company recognizes compensation cost for current matching contributions.
As all contributions are transferred currently as earned to the defined     
contribution plans, no liability for matching contributions is recognized on
the balance sheets.                                                         

Income Tax                                                                  

Metropolitan Life Insurance Company and its includable subsidiaries join
with MetLife, Inc. and its includable subsidiaries in filing a consolidated 
U.S. life insurance and non-life insurance federal income tax return in     
accordance with the provisions of the Internal Revenue Code of 1986, as     
amended. Current taxes (and the benefits of tax attributes such as losses)  
are allocated to Metropolitan Life Insurance Company and its subsidiaries   
under the consolidated tax return regulations and a tax sharing             
agreement. Under the consolidated tax return regulations, MetLife, Inc. has 
elected the "percentage method" (and 100% under such method) of reimbursing 
companies for tax attributes, e.g., net operating losses. As a result, 100% 
of tax attributes are reimbursed by MetLife, Inc. to the extent that        
consolidated federal income tax of the consolidated federal tax return group
is reduced in a year by tax attributes. On an annual basis, each of the     
 profitable subsidiaries pays to MetLife, Inc. the federal income tax which it
would have paid based upon that year's taxable income. If Metropolitan Life 
Insurance Company or its includable subsidiaries has current or prior       
 deductions and credits (including but not limited to losses) which reduce the
consolidated tax liability of the consolidated federal tax return group, the
deductions and credits are characterized as realized (or realizable) by     
Metropolitan Life Insurance Company and its includable subsidiaries when    
 those tax attributes are realized (or realizable) by the consolidated federal
tax return group, even if Metropolitan Life Insurance Company or its        
includable subsidiaries would not have realized the attributes on a         
stand-alone basis under a "wait and see" method.                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

The Company's accounting for income taxes represents management's best  
estimate of various events and transactions.                                

Deferred tax assets and liabilities resulting from temporary differences
between the financial reporting and tax bases of assets and liabilities are 
measured at the balance sheet date using enacted tax rates expected to apply
to taxable income in the years the temporary differences are expected to    
reverse.                                                                    

The realization of deferred tax assets depends upon the existence of    
sufficient taxable income within the carryback or carryforward periods under
the tax law in the applicable tax jurisdiction. Valuation allowances are    
established against deferred tax assets when management determines, based on
available information, that it is more likely than not that deferred income 
tax assets will not be realized. Significant judgment is required in        
determining whether valuation allowances should be established, as well as  
the amount of such allowances. When making such determination the Company   
considers many factors, including:                                          

.   the nature, frequency, and amount of cumulative financial reporting     
income and losses in recent years;                                  

.   the jurisdiction in which the deferred tax asset was generated;         

.   the length of time that carryforward can be utilized in the various     
taxing jurisdictions;                                               

.   future taxable income exclusive of reversing temporary differences and  
carryforwards;                                                      

.   future reversals of existing taxable temporary differences;             

.   taxable income in prior carryback years; and                            

.   tax planning strategies.                                                

 The Company may be required to change its provision for income taxes when
estimates used in determining valuation allowances on deferred tax assets   
significantly change or when receipt of new information indicates the need  
for adjustment in valuation allowances. Additionally, the effect of changes 
 in tax laws, tax regulations, or interpretations of such laws or regulations,
is recognized in net income tax expense (benefit) in the period of change.  

The Company determines whether it is more likely than not that a tax    
position will be sustained upon examination by the appropriate taxing       
authorities before any part of the benefit can be recorded on the financial 
statements. A tax position is measured at the largest amount of benefit that
is greater than 50% likely of being realized upon settlement. Unrecognized  
tax benefits due to tax uncertainties that do not meet the threshold are    
included within other liabilities and are charged to earnings in the period 
that such determination is made.                                            

The Company classifies interest recognized as interest expense and      
penalties recognized as a component of income tax expense.                  

On December 22, 2017, President Trump signed into law H.R. 1, commonly  
referred to as the Tax Cuts and Jobs Act of 2017 ("U.S. Tax Reform"). See   
Note 15 for additional information on U.S. Tax Reform and related Staff     
Accounting Bulletin ("SAB") 118 provisional amounts.                        

Litigation Contingencies                                                    

The Company is a party to a number of legal actions and is involved in a
number of regulatory investigations. Given the inherent unpredictability of 
these matters, it is difficult to estimate the impact on the Company's      
financial position. Liabilities are established when it is probable that a  
loss has been incurred and the amount of the loss can be reasonably         
estimated. Except as otherwise disclosed in Note 16, legal costs are        
recognized as incurred. On a quarterly and annual basis, the Company reviews
relevant information with respect to liabilities for litigation, regulatory 
investigations and litigation-related contingencies to be reflected on the  
Company's financial statements.                                             

Other Accounting Policies                                                   

Stock-Based Compensation                                                  

   Stock-based compensation recognized on the Company's consolidated results
of operations is allocated from MetLife, Inc. The accounting policies     
described below represent those that MetLife, Inc. applies in determining 
such allocated expenses.                                                  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

MetLife, Inc. grants certain employees stock-based compensation awards
under various plans that are subject to specific vesting conditions. With 
the exception of performance shares granted in 2013 and after which are   
 re-measured quarterly, the cost of all stock-based transactions is measured
 at fair value at the grant date and recognized over the period during which
a grantee is required to provide services in exchange for the award.      
Although the terms of MetLife, Inc.'s stock-based plans do not accelerate 
vesting upon the attainment of the applicable criteria for post-employment
award continuation, the requisite service period subsequent to attaining  
such criteria is considered non-substantive. Accordingly, MetLife, Inc.   
recognizes compensation expense related to stock-based awards over the    
 shorter of the requisite service period or the period to attainment of such
criteria. An estimation of future forfeitures of stock-based awards is    
  incorporated into the determination of compensation expense when recognizing
expense over the requisite service period.                                

Cash and Cash Equivalents                                                 

  The Company considers all highly liquid securities and other investments
 purchased with an original or remaining maturity of three months or less at
 the date of purchase to be cash equivalents. Cash equivalents are stated at
amortized cost, which approximates estimated fair value.                  

Property, Equipment, Leasehold Improvements and Computer Software         

Property, equipment and leasehold improvements, which are included in 
other assets, are stated at cost, less accumulated depreciation and       
  amortization. Depreciation is determined using the straight-line method over
  the estimated useful lives of the assets, as appropriate. The estimated life
  is generally 40 years for company occupied real estate property, from one to
25 years for leasehold improvements, and from three to seven years for all
 other property and equipment. The cost basis of the property, equipment and
leasehold improvements was $1.2 billion and $1.3 billion at December 31,  
2017 and 2016, respectively. Accumulated depreciation and amortization of 
property, equipment and leasehold improvements was $614 million and       
$673 million at December 31, 2017 and 2016, respectively. Related         
depreciation and amortization expense was $124 million, $139 million and  
$159 million for the years ended December 31, 2017, 2016 and 2015,        
respectively.                                                             

  Computer software, which is included in other assets, is stated at cost,
 less accumulated amortization. Purchased software costs, as well as certain
internal and external costs incurred to develop internal-use computer     
software during the application development stage, are capitalized. Such  
costs are amortized generally over a four-year period using the           
straight-line method. The cost basis of computer software was $1.7 billion
and $1.5 billion at December 31, 2017 and 2016, respectively. Accumulated 
amortization of capitalized software was $1.3 billion and $1.1 billion at 
December 31, 2017 and 2016, respectively. Related amortization expense was
  $164 million, $132 million and $150 million for the years ended December 31,
2017, 2016 and 2015, respectively.                                        

Other Revenues                                                            

    Other revenues primarily include, in addition to items described elsewhere
herein, prepaid legal plan fees, administrative service fees, and fees    
related to certain stable value products. Such fees are recognized in the 
period in which services are performed.                                   

Policyholder Dividends                                                    

Policyholder dividends are approved annually by Metropolitan Life     
  Insurance Company's board of directors. The aggregate amount of policyholder
dividends is related to actual interest, mortality, morbidity and expense 
experience for the year, as well as management's judgment as to the       
appropriate level of statutory surplus to be retained by Metropolitan Life
Insurance Company.                                                        

Foreign Currency                                                          

   Assets, liabilities and operations of foreign affiliates and subsidiaries
are recorded based on the functional currency of each entity. The         
determination of the functional currency is made based on the appropriate 
economic and management indicators. The local currencies of foreign       
 operations are the functional currencies. Assets and liabilities of foreign
affiliates and subsidiaries are translated from the functional currency to
U.S. dollars at the exchange rates in effect at each year-end and revenues
and expenses are translated at the average exchange rates during the year.
The resulting translation adjustments are charged or credited directly to 
OCI, net of applicable taxes. Gains and losses from foreign currency      
 transactions, including the effect of re-measurement of monetary assets and
 liabilities to the appropriate functional currency, are reported as part of
net investment gains (losses) in the period in which they occur.          

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Goodwill                                                                  

Goodwill, which is included in other assets, represents the future    
  economic benefits arising from net assets acquired in a business combination
 that are not individually identified and recognized. Goodwill is calculated
as the excess of cost over the estimated fair value of such net assets    
acquired, is not amortized, and is tested for impairment based on a fair  
value approach at least annually or more frequently if events or          
circumstances indicate that there may be justification for conducting an  
interim test. The Company performs its annual goodwill impairment testing 
during the third quarter based upon data as of the close of the second    
quarter. Goodwill associated with a business acquisition is not tested for
impairment during the year the business is acquired unless there is a     
significant identified impairment event.                                  

    The impairment test is performed at the reporting unit level, which is the
operating segment or a business one level below the operating segment, if 
discrete financial information is prepared and regularly reviewed by      
management at that level. For purposes of goodwill impairment testing, if 
the carrying value of a reporting unit exceeds its estimated fair value,  
there may be an indication of impairment. In such instances, the implied  
  fair value of the goodwill is determined in the same manner as the amount of
goodwill that would be determined in a business combination. The excess of
  the carrying value of goodwill over the implied fair value of goodwill would
 be recognized as an impairment and recorded as a charge against net income.

The Company tests goodwill for impairment by either performing a      
qualitative assessment or a two-step quantitative test. The qualitative   
assessment is an assessment of historical information and relevant events 
and circumstances to determine whether it is more likely than not that the
fair value of a reporting unit is less than its carrying amount, including
goodwill. The Company may elect not to perform the qualitative assessment 
for some or all of its reporting units and perform a two-step quantitative
impairment test. In performing the two-step quantitative impairment test, 
  the Company may determine the fair values of its reporting units by applying
  a market multiple, discounted cash flow, and/or an actuarial based valuation
approach.                                                                 

   For the 2017 annual goodwill impairment tests, the Company concluded that
goodwill was not impaired. The goodwill balance was $70 million in the U.S
segment and $31 million in the MetLife Holdings segment, at both          
December 31, 2017 and 2016.                                               

Adoption of New Accounting Pronouncements                                       

Effective January 1, 2017, the Company early adopted guidance relating to   
business combinations. The new guidance clarifies the definition of a business  
and requires that an entity apply certain criteria in order to determine when a 
set of assets and activities qualifies as a business. The adoption of this      
standard will result in fewer acquisitions qualifying as businesses and,        
accordingly, acquisition costs for those acquisitions that do not qualify as    
businesses will be capitalized rather than expensed. The adoption did not have  
a material impact on the Company's consolidated financial statements.           

Effective January 1, 2017, the Company retrospectively adopted guidance     
relating to consolidation. The new guidance does not change the characteristics 
of a primary beneficiary under current GAAP. It changes how a reporting entity  
evaluates whether it is the primary beneficiary of a VIE by changing how a      
reporting entity that is a single decisionmaker of a VIE handles indirect       
interests in the entity held through related parties that are under common      
control with the reporting entity. The adoption did not have a material impact  
on the Company's consolidated financial statements.                             

Effective January 1, 2016, the Company retrospectively adopted guidance     
relating to short-duration contracts. The new guidance requires insurance       
entities to provide users of financial statements with more transparent         
information about initial claim estimates and subsequent adjustments to these   
estimates, including information on: (i) reconciling from the claim development 
table to the balance sheet liability, (ii) methodologies and judgments in       
estimating claims, and (iii) the timing and frequency of claims. The adoption   
did not have an impact on the Company's consolidated financial statements other 
than expanded disclosures in Note 4.                                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Effective January 1, 2016, the Company retrospectively adopted new guidance 
relating to the consolidation of certain entities. The objective of the new     
standard is to improve targeted areas of the consolidation guidance and to      
reduce the number of consolidation models. The new consolidation standard       
provides guidance on how a reporting entity (i) evaluates whether the entity    
should consolidate limited partnerships and similar entities, (ii) assesses     
whether the fees paid to a decisionmaker or service provider are variable       
interests in a VIE, and (iii) assesses the variable interests in a VIE held by  
related parties of the reporting entity. The new guidance also eliminates the   
VIE consolidation model based on majority exposure to variability that applied  
to certain investment companies and similar entities. The adoption of the new   
guidance did not impact which entities are consolidated by the Company. The     
consolidated VIE assets and liabilities and unconsolidated VIE carrying amounts 
and maximum exposure to loss as of December 31, 2016, disclosed in Note 8,      
reflect the application of the new guidance.                                    

Other                                                                           

Effective January 3, 2017, the Chicago Mercantile Exchange ("CME") amended  
its rulebook, resulting in the characterization of variation margin transfers   
as settlement payments, as opposed to adjustments to collateral. These          
amendments impacted the accounting treatment of the Company's centrally cleared 
derivatives for which the CME serves as the central clearing party. As of the   
effective date, the application of the amended rulebook reduced gross           
derivative assets by $751 million, gross derivative liabilities by              
$603 million, accrued investment income by $55 million, accrued investment      
expense recorded within other liabilities by $10 million, collateral            
receivables recorded within premiums, reinsurance and other receivables of      
$226 million, and collateral payables recorded within payables for collateral   
under securities loaned and other transactions of $419 million.                 

Future Adoption of New Accounting Pronouncements                                

In February 2018, the Financial Accounting Standards Board ("FASB") issued  
new guidance on reporting comprehensive income (Accounting Standards Update     
("ASU") 2018-02, Income Statement-Reporting Comprehensive Income (Topic 220):   
Reclassification of Certain Tax Effects from AOCI). The new guidance is         
effective for fiscal years beginning after December 15, 2018 and interim        
periods within those fiscal years and should be applied either in the period of 
adoption or retrospectively to each period (or periods) in which the effect of  
the change in the U.S. federal corporate income tax rate or law in U.S. Tax     
Reform is recognized. Early adoption is permitted. Current GAAP guidance        
requires that the effect of a change in tax laws or rates on deferred tax       
liabilities or assets to be included in income from continuing operations in    
the reporting period that includes the enactment date, even if the related      
income tax effects were originally charged or credited directly to AOCI. The    
new guidance allows a reclassification of AOCI to retained earnings for         
stranded tax effects resulting from U.S. Tax Reform. Also, the new guidance     
requires certain disclosures about stranded tax effects. The Company will early 
adopt the new guidance in the first quarter of 2018. The Company expects the    
impact of the new guidance at adoption will be a decrease to retained earnings  
as of January 1, 2018 of approximately $1.0 billion with a corresponding        
increase to AOCI.                                                               

In August 2017, the FASB issued new guidance on hedging activities          
(ASU 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to     
Accounting for Hedging Activities). The new guidance is effective for fiscal    
years beginning after December 15, 2018 and interim periods within those fiscal 
years and should be applied on a modified retrospective basis through a         
cumulative-effect adjustment to retained earnings. Early adoption is permitted. 
The new guidance simplifies the application of hedge accounting in certain      
situations and amends the hedge accounting model to enable entities to better   
portray the economics of their risk management activities in the financial      
statements. The Company is currently evaluating the impact of the new guidance  
on its consolidated financial statements.                                       

In March 2017, the FASB issued new guidance on purchased callable debt      
securities (ASU 2017-08, Receivables-Nonrefundable Fees and Other Costs         
(Subtopic 310-20), Premium Amortization on Purchased Callable Debt              
Securities). The new guidance is effective for fiscal years beginning after     
December 15, 2018 and interim periods within those fiscal years and should be   
applied on a modified retrospective basis through a cumulative-effect           
adjustment to retained earnings. Early adoption is permitted. The ASU shortens  
the amortization period for certain callable debt securities held at a premium  
and requires the premium to be amortized to the earliest call date. However,    
the new guidance does not require an accounting change for securities held at a 
discount whose discount continues to be amortized to maturity. The Company is   
currently evaluating the impact of the new guidance on its consolidated         
financial statements.                                                           

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

In March 2017, the FASB issued new guidance on the presentation of net      
periodic pension cost and net periodic postretirement benefit cost              
(ASU 2017-07, Compensation - Retirement Benefits (Topic 715): Improving the     
Presentation of Net Periodic Pension Cost and Net Periodic Postretirement       
Benefit Cost). The new guidance is effective for annual periods beginning after 
December 15, 2017 and interim periods within those annual periods. The guidance 
requires that an employer that offers to its employees defined benefit pension  
or other postretirement benefit plans report the service cost component in the  
same line item or items as other compensation costs. The other components of    
net benefit cost are required to be presented in the income statement           
separately from the service cost component and outside a subtotal of income     
from operations, if one is presented. If a separate line item is not used, the  
line item used in the income statement to present the other components of net   
benefit cost must be disclosed. In addition, the guidance allows only the       
service cost component to be eligible for capitalization when applicable. The   
guidance should be applied retrospectively for the presentation of the service  
cost component in the income statement with a practical expedient for the       
estimation basis for applying the retrospective presentation requirements, and  
prospectively for the capitalization of the service component. The adoption of  
the new guidance will not have a material impact on the Company's consolidated  
financial statements.                                                           

In February 2017, the FASB issued new guidance on derecognition of          
nonfinancial assets (ASU 2017-05, Other Income-Gains and Losses from the        
Derecognition of Nonfinancial Assets (Subtopic 610-20): Clarifying the Scope of 
Asset Derecognition Guidance and Accounting for Partial Sales of Nonfinancial   
Assets). The new guidance is effective for fiscal years beginning after         
December 15, 2017 and interim periods within those fiscal years. Early adoption 
is permitted for interim or annual reporting periods beginning after            
December 15, 2016. The guidance may be applied retrospectively for all periods  
presented or retrospectively with a cumulative-effect adjustment to retained    
earnings at the date of adoption. The new guidance clarifies the scope and      
accounting of a financial asset that meets the definition of an "in-substance   
nonfinancial asset" and defines the term "in-substance nonfinancial asset." The 
ASU also adds guidance for partial sales of nonfinancial assets. The adoption   
of the new guidance will not have a material impact on the Company's            
consolidated financial statements.                                              

In January 2017, the FASB issued new guidance on goodwill impairment        
(ASU 2017-04, Intangibles-Goodwill and Other (Topic 350): Simplifying the Test  
for Goodwill Impairment). The new guidance is effective for fiscal years        
beginning after December 15, 2019 and interim periods within those fiscal       
years, and should be applied on a prospective basis. Early adoption is          
permitted for interim or annual goodwill impairment tests performed on testing  
dates after January 1, 2017. The new guidance simplifies the current two-step   
goodwill impairment test by eliminating Step 2 of the test. The new guidance    
requires a one-step impairment test in which an entity compares the fair value  
of a reporting unit with its carrying amount and recognizes an impairment       
charge for the amount by which the carrying amount exceeds the reporting unit's 
fair value, if any. The Company expects the adoption of the new guidance will   
reduce the complexity involved with the evaluation of goodwill for impairment.  
The impact of this guidance will depend on the outcomes of future goodwill      
impairment tests.                                                               

In November 2016, the FASB issued new guidance on restricted cash           
(ASU 2016-18, Statement of Cash Flows (Topic 230): A consensus of the FASB      
Emerging Issues Task Force). The new guidance is effective for fiscal years     
beginning after December 15, 2017 and interim periods within those fiscal       
years, and should be applied on a retrospective basis. Early adoption is        
permitted. The new guidance requires that a statement of cash flows explain the 
change during the period in the total of cash, cash equivalents, and amounts    
generally described as restricted cash or restricted cash equivalents. As a     
result, the new guidance requires that amounts generally described as           
restricted cash and restricted cash equivalents should be included with cash    
and cash equivalents when reconciling the beginning-of-period and end-of-period 
total amounts shown on the statement of cash flows. The new guidance does not   
provide a definition of restricted cash or restricted cash equivalents. The     
adoption of the new guidance will not have a material impact on the Company's   
consolidated financial statements.                                              

In October 2016, the FASB issued new guidance on tax accounting for         
intra-entity transfers of assets (ASU 2016-16, Income Taxes (Topic 740):        
Intra-Entity Transfers of Assets Other Than Inventory). The new guidance is     
effective for fiscal years beginning after December 15, 2017 and interim        
periods within those fiscal years, and should be applied on a modified          
retrospective basis. The Company will apply the guidance as of January 1, 2018. 
Current guidance prohibits the recognition of current and deferred income taxes 
for an intra-entity asset transfer until the asset has been sold to an outside  
party. The new guidance requires an entity to recognize the income tax          
consequences of an intra-entity transfer of an asset other than inventory when  
the transfer occurs. Based on the Company's assessment of the intra-entity      
asset transfers and related deferred income taxes that are in scope, the        
Company expects the adoption of the new guidance will not have a material       
impact on the Company's consolidated financial statements.                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

In August 2016, the FASB issued new guidance on cash flow statement         
presentation (ASU 2016-15, Statement of Cash Flows (Topic 230): Classification  
of Certain Cash Receipts and Cash Payments). The new guidance is effective for  
fiscal years beginning after December 15, 2017 and interim periods within those 
fiscal years, and should be applied retrospectively to all periods presented.   
Early adoption is permitted in any interim or annual period. The new guidance   
addresses diversity in how certain cash receipts and cash payments are          
presented and classified in the statement of cash flows. The adoption of the    
new guidance will not have a material impact on the Company's consolidated      
financial statements.                                                           

 In June 2016, the FASB issued new guidance on measurement of credit losses on
financial instruments (ASU 2016-13, Financial Instruments - Credit Losses       
(Topic 326): Measurement of Credit Losses on Financial Instruments). The new    
guidance is effective for fiscal years beginning after December 15, 2019,       
including interim periods within those fiscal years. Early adoption is          
permitted for fiscal years, and interim periods within those fiscal years,      
beginning after December 15, 2018. This ASU replaces the incurred loss          
impairment methodology with one that reflects expected credit losses. The       
measurement of expected credit losses should be based on historical loss        
information, current conditions, and reasonable and supportable forecasts. The  
new guidance requires that an OTTI on a debt security will be recognized as an  
allowance going forward, such that improvements in expected future cash flows   
after an impairment will no longer be reflected as a prospective yield          
adjustment through net investment income, but rather a reversal of the previous 
impairment and recognized through realized investment gains and losses. The     
guidance also requires enhanced disclosures. The Company has assessed the asset 
classes impacted by the new guidance and is currently assessing the accounting  
and reporting system changes that will be required to comply with the new       
guidance. The Company believes that the most significant impact upon adoption   
will be to its mortgage loan investments. The Company is continuing to evaluate 
the overall impact of the new guidance on its consolidated financial statements.

In February 2016, the FASB issued new guidance on leasing transactions      
(ASU 2016-02, Leases - Topic 842). The new guidance is effective for the fiscal 
years beginning after December 15, 2018, including interim periods within those 
fiscal years, and requires a modified retrospective transition approach. Early  
adoption is permitted. The new guidance requires a lessee to recognize assets   
and liabilities for leases with lease terms of more than 12 months. Leases      
would be classified as finance or operating leases and both types of leases     
will be recognized on the balance sheet. Lessor accounting will remain largely  
unchanged from current guidance except for certain targeted changes. The new    
guidance will also require new qualitative and quantitative disclosures. The    
Company's implementation efforts are primarily focused on the review of its     
existing lease contracts, identification of other contracts that may fall under 
the scope of the new guidance, and performing a gap analysis on the current     
state of lease-related activities compared with the future state of             
lease-related activities. The Company is currently evaluating the overall       
impact of the new guidance on its consolidated financial statements.            

In January 2016, the FASB issued new guidance (ASU 2016-01, Financial       
Instruments-Overall: Recognition and Measurement of Financial Assets and        
Financial Liabilities, as amended by ASU 2018-03, Financial                     
Instruments-Overall: Technical Corrections and Improvements, issued in February 
2018) on the recognition and measurement of financial instruments. The new      
guidance is effective for fiscal years beginning after December 15, 2017,       
including interim periods within those fiscal years. Early adoption is          
permitted for the instrument-specific credit risk provision. The new guidance   
changes the current accounting guidance related to (i) the classification and   
measurement of certain equity investments, (ii) the presentation of changes in  
the fair value of financial liabilities measured under the FVO that are due to  
instrument-specific credit risk, and (iii) certain disclosures associated with  
the fair value of financial instruments. Additionally, there will no longer be  
a requirement to assess equity securities for impairment since such securities  
will be measured at fair value through net income. The Company has assessed the 
population of financial instruments that are subject to the new guidance and    
has determined that the most significant impact will be the requirement to      
report changes in fair value in net income each reporting period for all equity 
securities currently classified as AFS and to a lesser extent, other limited    
partnership interests and real estate joint ventures that are currently         
accounted for under the cost method. The Company will utilize a modified        
retrospective approach to adopt the new guidance effective January 1, 2018. The 
expected impact related to the change in accounting for equity securities AFS   
will be $63 million of net unrealized investment gains, net of income tax,      
which will be reclassified from AOCI to retained earnings. The estimated        
financial statement impact related to cost method other limited partnership     
interests and real estate joint ventures was not material.                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

 In May 2014, the FASB issued a comprehensive new revenue recognition standard
(ASU 2014-09, Revenue from Contracts with Customers - Topic 606), effective for 
fiscal years beginning after December 15, 2017 and interim periods within those 
fiscal years. The Company will apply the guidance retrospectively with a        
cumulative-effect adjustment as of January 1, 2018. The new guidance supersedes 
nearly all existing revenue recognition guidance under U.S. GAAP. However, it   
does not impact the accounting for insurance and investment contracts within    
the scope of Accounting Standards Codification (ASC) Topic 944, Financial       
Services - Insurance, leases, financial instruments and certain guarantees. For 
those contracts that are impacted, the new guidance requires an entity to       
recognize revenue upon the transfer of promised goods or services to customers  
in an amount that reflects the consideration to which the entity expects to be  
entitled, in exchange for those goods or services. The Company identified       
revenue streams within the scope of the guidance that are all included within   
other revenues in the consolidated statements of operations and evaluated the   
related contracts, primarily consisting of prepaid legal plans and              
administrative-only contracts within the U.S. segment, and distribution and     
administrative services fees within the MetLife Holdings segment. As other      
revenues represents approximately 4% of consolidated total revenues for the     
year ended December 31, 2017, the modified retrospective adoption as of         
January 1, 2018, did not have a material impact on the Company's consolidated   
financial position and the Company has not identified any material prospective  
changes in the recognition and measurement of other revenue. The Company        
expects to expand its qualitative disclosures within the notes to the           
consolidated financial statements.                                              

Other                                                                           

Effective January 16, 2018, the London Clearing House ("LCH") amended its   
rulebook, resulting in the characterization of variation margin transfers as    
settlement payments, as opposed to adjustments to collateral. These amendments  
will impact the accounting treatment of the Company's centrally cleared         
derivatives, for which the LCH serves as the central clearing party. The        
application of the amended rulebook is expected to reduce the gross derivative  
assets and liabilities, as well as the related collateral, recorded on the      
consolidated balance sheet for trades cleared through the LCH. The Company is   
currently evaluating the impact of these amendments on its consolidated         
financial statements.                                                           

2. Segment Information                                                          

The Company is organized into two segments: U.S. and MetLife Holdings. In   
addition, the Company reports certain of its results of operations in           
Corporate & Other.                                                              

On August 4, 2017, MetLife, Inc. completed the separation of Brighthouse    
Financial, Inc. and its subsidiaries ("Brighthouse") through a distribution of  
96,776,670 shares of the 119,773,106 shares of Brighthouse Financial, Inc.      
common stock outstanding, representing 80.8% of those shares, to MetLife, Inc.  
common shareholders (the "Separation"). MetLife, Inc. retained the remaining    
ownership interest of 22,996,436 shares, or 19.2%, of Brighthouse Financial,    
Inc. common stock outstanding.                                                  

U.S.                                                                            

The U.S. segment offers a broad range of protection products and services   
aimed at serving the financial needs of customers throughout their lives. These 
products are sold to corporations and their respective employees, other         
institutions and their respective members, as well as individuals. The U.S.     
segment is organized into two businesses: Group Benefits and Retirement and     
Income Solutions.                                                               

.   The Group Benefits business offers insurance products and services which  
 include life, dental, group short- and long-term disability, individual
disability, accidental death and dismemberment, vision and accident & 
    health coverages, as well as prepaid legal plans. This business also sells
administrative services-only arrangements to some employers.          

.   The Retirement and Income Solutions business offers a broad range of      
annuity and investment products, including capital market investment  
 products, institutional income annuities, stable value and pension risk
transfer products. This business also includes products to fund tort  
settlements, as well as postretirement benefits and company-, bank- or
trust-owned life insurance.                                           

MetLife Holdings                                                                

The MetLife Holdings segment consists of operations relating to products and
businesses no longer actively marketed by the Company, such as variable,        
universal, term and whole life insurance, variable, fixed and index-linked      
annuities and long-term care insurance.                                         

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

Corporate & Other                                                               

 Corporate & Other contains the excess capital, as well as certain charges and
activities, not allocated to the segments, including enterprise-wide strategic  
initiative restructuring charges and various start-up businesses (including the 
direct to consumer portion of the U.S. Direct business). Corporate & Other also 
includes the Company's ancillary international operations and interest expense  
related to the majority of the Company's outstanding debt, as well as expenses  
associated with certain legal proceedings and income tax audit issues. For the  
years ended December 31, 2016 and 2015, Corporate & Other includes business of  
the Company that was transferred to Brighthouse. In addition, Corporate & Other 
includes the elimination of intersegment amounts, which generally relate to     
intersegment loans, which bear interest rates commensurate with related         
borrowings.                                                                     

Financial Measures and Segment Accounting Policies                              

Adjusted earnings is used by management to evaluate performance and allocate
resources. Consistent with GAAP guidance for segment reporting, adjusted        
earnings is also the Company's GAAP measure of segment performance and is       
reported below. Adjusted earnings should not be viewed as a substitute for net  
income (loss). The Company believes the presentation of adjusted earnings as    
the Company measures it for management purposes enhances the understanding of   
its performance by highlighting the results of operations and the underlying    
profitability drivers of the business. Adjusted earnings allows analysis of the 
Company's performance and facilitates comparisons to industry results.          

 Adjusted earnings is defined as adjusted revenues less adjusted expenses, net
of income tax.                                                                  

The financial measures of adjusted revenues and adjusted expenses focus on  
the Company's primary businesses principally by excluding the impact of market  
volatility, which could distort trends, and revenues and costs related to       
non-core products and certain entities required to be consolidated under GAAP.  
Also, these measures exclude results of discontinued operations under GAAP and  
other businesses that have been or will be sold or exited by MLIC but do not    
meet the discontinued operations criteria under GAAP and are referred to as     
divested businesses. Divested businesses also includes the net impact of        
transactions with exited businesses that have been eliminated in consolidation  
under GAAP and costs relating to businesses that have been or will be sold or   
exited by MLIC that do not meet the criteria to be included in results of       
discontinued operations under GAAP. Adjusted revenues also excludes net         
investment gains (losses) and net derivative gains (losses).                    

The following additional adjustments are made to revenues, in the line items
indicated, in calculating adjusted revenues:                                    

.   Universal life and investment-type product policy fees excludes the       
   amortization of unearned revenue related to net investment gains (losses)
  and net derivative gains (losses) and certain variable annuity GMIB fees
("GMIB Fees"); and                                                    

.   Net investment income: (i) includes earned income on derivatives and      
  amortization of premium on derivatives that are hedges of investments or
that are used to replicate certain investments, but do not qualify for
hedge accounting treatment, (ii) excludes post-tax adjusted earnings  
  adjustments relating to insurance joint ventures accounted for under the
    equity method and (iii) excludes certain amounts related to securitization
entities that are VIEs consolidated under GAAP.                       

The following additional adjustments are made to expenses, in the line items
indicated, in calculating adjusted expenses:                                    

.   Policyholder benefits and claims and policyholder dividends excludes:     
(i) changes in the policyholder dividend obligation related to net    
   investment gains (losses) and net derivative gains (losses), (ii) amounts
associated with periodic crediting rate adjustments based on the total
 return of a contractually referenced pool of assets, (iii) benefits and
hedging costs related to GMIBs ("GMIB Costs") and (iv) market value   
adjustments associated with surrenders or terminations of contracts   
("Market Value Adjustments");                                         

.   Interest credited to policyholder account balances includes adjustments   
for earned income on derivatives and amortization of premium on       
 derivatives that are hedges of policyholder account balances but do not
qualify for hedge accounting treatment;                               

.   Amortization of DAC and VOBA excludes amounts related to: (i) net         
investment gains (losses) and net derivative gains (losses), (ii) GMIB
Fees and GMIB Costs and (iii) Market Value Adjustments;               

.   Interest expense on debt excludes certain amounts related to              
securitization entities that are VIEs consolidated under GAAP; and    

.   Other expenses excludes costs related to noncontrolling interests and     
goodwill impairments.                                                 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

The tax impact of the adjustments mentioned above are calculated net of the 
U.S. or foreign statutory tax rate, which could differ from the Company's       
effective tax rate.                                                             

Set forth in the tables below is certain financial information with respect 
to the Company's segments, as well as Corporate & Other, for the years ended    
December 31, 2017, 2016 and 2015 and at December 31, 2017 and 2016. The segment 
accounting policies are the same as those used to prepare the Company's         
consolidated financial statements, except for adjusted earnings adjustments as  
defined above. In addition, segment accounting policies include the method of   
capital allocation described below.                                             

Economic capital is an internally developed risk capital model, the purpose 
of which is to measure the risk in the business and to provide a basis upon     
which capital is deployed. The economic capital model accounts for the unique   
and specific nature of the risks inherent in MetLife's and the Company's        
business.                                                                       

MetLife's economic capital model, coupled with considerations of local      
capital requirements, aligns segment allocated equity with emerging standards   
and consistent risk principles. The model applies statistics-based risk         
evaluation principles to the material risks to which the Company is exposed.    
These consistent risk principles include calibrating required economic capital  
shock factors to a specific confidence level and time horizon while applying an 
industry standard method for the inclusion of diversification benefits among    
risk types. MetLife's management is responsible for the ongoing production and  
enhancement of the economic capital model and reviews its approach periodically 
to ensure that it remains consistent with emerging industry practice standards. 

Segment net investment income is credited or charged based on the level of  
allocated equity; however, changes in allocated equity do not impact the        
Company's consolidated net investment income, net income (loss) or adjusted     
earnings.                                                                       

Net investment income is based upon the actual results of each segment's    
specifically identifiable investment portfolios adjusted for allocated equity.  
Other costs are allocated to each of the segments based upon: (i) a review of   
the nature of such costs; (ii) time studies analyzing the amount of employee    
compensation costs incurred by each segment; and (iii) cost estimates included  
in the Company's product pricing.                                               

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                 MetLife    Corporate                               Total     
Year Ended December 31, 2017                           U.S.      Holdings    & Other      Total     Adjustments  Consolidated 
--------------------------------------------------- ----------  ----------  ---------  -----------  -----------  ------------ 
                                                                                  (In millions)                               
                                                                                                                              
Revenues                                                                                                                      
Premiums........................................... $   19,496  $    3,420  $       9  $    22,925   $       --   $    22,925 
Universal life and investment-type product policy                                                                             
 fees..............................................      1,004       1,126         --        2,130           97         2,227 
Net investment income..............................      6,206       4,920       (243)      10,883         (370)       10,513 
Other revenues.....................................        781         200        589        1,570           --         1,570 
Net investment gains (losses)......................         --          --         --           --          334           334 
Net derivative gains (losses)......................         --          --         --           --         (344)         (344)
                                                    ----------  ----------  ---------  -----------  -----------  ------------ 
  Total revenues...................................     27,487       9,666        355       37,508         (283)       37,225 
                                                    ----------  ----------  ---------  -----------  -----------  ------------ 
Expenses                                                                                                                      
Policyholder benefits and claims and policyholder                                                                             
 dividends.........................................     20,558       6,006          4       26,568          321        26,889 
Interest credited to policyholder account balances.      1,459         779         --        2,238           (3)        2,235 
Capitalization of DAC..............................        (48)        (13)        --          (61)          --           (61)
Amortization of DAC and VOBA.......................         56         303         --          359         (118)          241 
Interest expense on debt...........................         11           8         87          106           --           106 
Other expenses.....................................      2,717       1,201        930        4,848            1         4,849 
                                                    ----------  ----------  ---------  -----------  -----------  ------------ 
  Total expenses...................................     24,753       8,284      1,021       34,058          201        34,259 
                                                    ----------  ----------  ---------  -----------  -----------  ------------ 
Provision for income tax expense (benefit).........        954         427       (368)       1,013       (1,574)         (561)
                                                    ----------  ----------  ---------  -----------               ------------ 
  Adjusted earnings................................ $    1,780  $      955  $    (298)       2,437                            
                                                    ==========  ==========  =========                                         
Adjustments to:                                                                                                               
Total revenues.....................................                                           (283)                           
Total expenses.....................................                                           (201)                           
Provision for income tax (expense) benefit.........                                          1,574                            
                                                                                       -----------                            
  Net income (loss)..........................................                          $     3,527                $     3,527 
                                                                                       ===========               ============ 

                                                                [Download Table]

                                                     MetLife   Corporate           
 At December 31, 2017                       U.S.     Holdings   & Other    Total   
---------------------------------------  ---------- ---------- --------- ----------
                                                       (In millions)               
                                                                                   
 Total assets........................... $  245,750 $  163,397 $  25,148 $  434,295
 Separate account assets................ $   80,240 $   50,585 $      -- $  130,825
 Separate account liabilities........... $   80,240 $   50,585 $      -- $  130,825

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                   MetLife     Corporate                               Total    
Year Ended December 31, 2016                            U.S.       Holdings     & Other      Total     Adjustments  Consolidated
--------------------------------------------------- -----------  -----------  ----------  -----------  -----------  ------------
                                                                                   (In millions)                                
                                                                                                                                
Revenues                                                                                                                        
Premiums........................................... $    17,921  $     4,411  $       61  $    22,393  $        --  $    22,393 
Universal life and investment-type product policy                                                                               
 fees..............................................         988        1,236         216        2,440          102        2,542 
Net investment income..............................       6,075        5,606         (67)      11,614         (531)      11,083 
Other revenues.....................................         750          110         618        1,478           --        1,478 
Net investment gains (losses)......................          --           --          --           --          132          132 
Net derivative gains (losses)......................          --           --          --           --       (1,138)      (1,138)
                                                    -----------  -----------  ----------  -----------  -----------  ----------- 
  Total revenues...................................      25,734       11,363         828       37,925       (1,435)      36,490 
                                                    -----------  -----------  ----------  -----------  -----------  ----------- 
Expenses                                                                                                                        
Policyholder benefits and claims and                                                                                            
 policyholder dividends............................      18,968        7,244         130       26,342          171       26,513 
Interest credited to policyholder account balances.       1,297          907          32        2,236           (3)       2,233 
Capitalization of DAC..............................         (60)        (267)         (5)        (332)          --         (332)
Amortization of DAC and VOBA.......................          56          675          56          787         (346)         441 
Interest expense on debt...........................          10            7          95          112           --          112 
Other expenses.....................................       2,770        1,850         825        5,445          137        5,582 
                                                    -----------  -----------  ----------  -----------  -----------  ----------- 
  Total expenses...................................      23,041       10,416       1,133       34,590          (41)      34,549 
                                                    -----------  -----------  ----------  -----------  -----------  ----------- 
Provision for income tax expense (benefit).........         963          274        (551)         686         (487)         199 
                                                    -----------  -----------  ----------  -----------               ----------- 
  Adjusted earnings................................ $     1,730  $       673  $      246        2,649                           
                                                    ===========  ===========  ==========                                        
Adjustments to:                                                                                                                 
Total revenues.....................................                                            (1,435)                          
Total expenses.....................................                                                41                           
Provision for income tax (expense) benefit.........                                               487                           
                                                                                          -----------                           
  Net income (loss)....................................................................   $     1,742               $     1,742 
                                                                                          ===========               =========== 

                                                                [Download Table]

                                             MetLife     Corporate              
At December 31, 2016              U.S.       Holdings     & Other      Total    
----------------------------- ------------ ------------ ----------- ------------
                                                (In millions)                   
                                                                                
Total assets................. $    247,555 $    163,024 $    21,982 $    432,561
Separate account assets...... $     85,854 $     47,982 $        -- $    133,836
Separate account liabilities. $     85,854 $     47,982 $        -- $    133,836

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                   MetLife     Corporate                              Total    
Year Ended December 31, 2015                            U.S.       Holdings     & Other      Total     Adjustments Consolidated
--------------------------------------------------- -----------  -----------  ----------  -----------  ----------- ------------
                                                                                   (In millions)                               
                                                                                                                               
Revenues                                                                                                                       
Premiums........................................... $    17,340  $     4,527  $       67  $    21,934  $       --  $    21,934 
Universal life and investment-type product policy                                                                              
 fees..............................................         941        1,294         249        2,484         100        2,584 
Net investment income..............................       6,011        5,890          94       11,995        (456)      11,539 
Other revenues.....................................         729          135         672        1,536          --        1,536 
Net investment gains (losses)......................          --           --          --           --         259          259 
Net derivative gains (losses)......................          --           --          --           --         881          881 
                                                    -----------  -----------  ----------  -----------  ----------  ----------- 
  Total revenues...................................      25,021       11,846       1,082       37,949         784       38,733 
                                                    -----------  -----------  ----------  -----------  ----------  ----------- 
Expenses                                                                                                                       
Policyholder benefits and claims and policyholder                                                                              
 dividends.........................................      18,415        7,207         125       25,747          64       25,811 
Interest credited to policyholder account balances.       1,212          933          34        2,179           4        2,183 
Capitalization of DAC..............................         (71)        (409)         (2)        (482)         --         (482)
Amortization of DAC and VOBA.......................          59          527          44          630         112          742 
Interest expense on debt...........................           5            4         113          122          --          122 
Other expenses.....................................       2,724        1,825       1,324        5,873           3        5,876 
                                                    -----------  -----------  ----------  -----------  ----------  ----------- 
  Total expenses...................................      22,344       10,087       1,638       34,069         183       34,252 
                                                    -----------  -----------  ----------  -----------  ----------  ----------- 
Provision for income tax expense (benefit).........         961          556          37        1,554         209        1,763 
                                                    -----------  -----------  ----------  -----------              ----------- 
  Adjusted earnings................................ $     1,716  $     1,203  $     (593)       2,326                          
                                                    ===========  ===========  ==========                                       
Adjustments to:                                                                                                                
Total revenues.....................................                                               784                          
Total expenses.....................................                                              (183)                         
Provision for income tax (expense) benefit.........                                              (209)                         
                                                                                          -----------                          
  Net income (loss)................................                                       $     2,718              $     2,718 
                                                                                          ===========              =========== 

The following table presents total premiums, universal life and             
investment-type product policy fees and other revenues by major product groups  
of the Company's segments, as well as Corporate & Other:                        

                                                                [Download Table]

                                              Years Ended December 31,
                                              ----------------------- 
                                               2017     2016    2015  
                                              -------  ------- -------
                                                   (In millions)      
                                                                      
Life insurance............................... $13,139  $13,907 $13,811
Accident & health insurance..................   7,933    7,889   7,475
Annuities....................................   5,390    4,379   4,548
Non-insurance................................     260      238     220
                                              -------  ------- -------
 Total....................................... $26,722  $26,413 $26,054
                                              =======  ======= =======

Substantially all of the Company's consolidated premiums, universal life and
investment-type product policy fees and other revenues originated in the U.S.   

Revenues derived from one U.S. customer were $2.8 billion, $2.8 billion and 
$2.7 billion for the years ended December 31, 2017, 2016 and 2015,              
respectively, which represented 11%, 10% and 10%, respectively, of consolidated 
premiums, universal life and investment-type product policy fees and other      
revenues. Revenues derived from any other customer did not exceed 10% of        
consolidated premiums, universal life and investment-type product policy fees   
and other revenues for the years ended December 31, 2017, 2016 and 2015.        

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

3. Disposition                                                                  

In December 2016, the Company distributed to MetLife, Inc. as a non-cash    
extraordinary dividend all of the issued and outstanding shares of common stock 
of its wholly-owned subsidiaries, New England Life Insurance Company ("NELICO") 
and General American Life Insurance Company ("GALIC"). The net book value of    
NELICO and GALIC at the time of the dividend was $2.9 billion, which was        
recorded as a dividend of retained earnings of $2.7 billion and a decrease to   
other comprehensive income of $254 million, net of income tax. As of the date   
of the dividend payment, the Company no longer consolidates the assets,         
liabilities and operations of NELICO and GALIC.                                 

4. Insurance                                                                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Insurance Liabilities                                                           

Insurance liabilities, including affiliated insurance liabilities on        
reinsurance assumed and ceded, are comprised of future policy benefits,         
policyholder account balances and other policy-related balances. Information    
regarding insurance liabilities by segment, as well as Corporate & Other, was   
as follows at:                                                                  

                                                                [Download Table]

                     December 31,   
                   -----------------
                     2017     2016  
                   -------- --------
                     (In millions)  
                                    
U.S............... $131,224 $124,877
MetLife Holdings..   89,012   89,874
Corporate & Other.      294      337
                   -------- --------
 Total............ $220,530 $215,088
                   ======== ========

See Note 6 for discussion of affiliated reinsurance liabilities included in 
the table above.                                                                

Future policy benefits are measured as follows:                             

------------------------------------------------------------------------------- 
Product Type:                Measurement Assumptions:                           
------------------------------------------------------------------------------- 
Participating life           Aggregate of (i) net level premium reserves for    
                             death and endowment policy benefits (calculated
                          based upon the non-forfeiture interest rate,
                        ranging from 3% to 7%, and mortality rates
                          guaranteed in calculating the cash surrender
                      values described in such contracts); and
                        (ii) the liability for terminal dividends.
------------------------------------------------------------------------------- 
Nonparticipating life        Aggregate of the present value of future expected  
                            benefit payments and related expenses less the
                            present value of future expected net premiums.
                             Assumptions as to mortality and persistency are
                          based upon the Company's experience when the
                             basis of the liability is established. Interest
                       rate assumptions for the aggregate future
                              policy benefit liabilities range from 2% to 11%.
------------------------------------------------------------------------------- 
Individual and group         Present value of future expected payments.         
traditional fixed annuities    Interest rate assumptions used in establishing   
after annuitization            such liabilities range from 1% to 11%.           
------------------------------------------------------------------------------- 
Non-medical health           The net level premium method and assumptions as    
insurance                      to future morbidity, withdrawals and interest,   
                           which provide a margin for adverse deviation.
                            Interest rate assumptions used in establishing
                   such liabilities range from 4% to 7%.
------------------------------------------------------------------------------- 
Disabled lives               Present value of benefits method and experience    
                            assumptions as to claim terminations, expenses
                             and interest. Interest rate assumptions used in
                            establishing such liabilities range from 2% to
8%.               
------------------------------------------------------------------------------- 

Participating business represented 4% of the Company's life insurance       
in-force at both December 31, 2017 and 2016. Participating policies represented 
21%, 26% and 27% of gross traditional life insurance premiums for the years     
ended December 31, 2017, 2016 and 2015, respectively.                           

Policyholder account balances are equal to: (i) policy account values, which
consist of an accumulation of gross premium payments; and (ii) credited         
interest, ranging from less than 1% to 13%, less expenses, mortality charges    
and withdrawals.                                                                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Guarantees                                                                      

The Company issues variable annuity products with guaranteed minimum      
benefits. GMABs, the non-life-contingent portion of GMWBs and the portion of    
certain GMIBs that do not require annuitization are accounted for as embedded   
derivatives in policyholder account balances and are further discussed in       
Note 9. Guarantees accounted for as insurance liabilities include:              

------------------------------------------------------------------------------
Guarantee:                                   Measurement Assumptions:         
------------------------------------------------------------------------------
GMDBs  . A return of purchase payment      . Present value of expected death  
   upon death even if the account      benefits in excess of the
   value is reduced to zero.           projected account balance
                                            recognizing the excess ratably
                                          over the accumulation period
                                           based on the present value of
                                         total expected assessments.

     . An enhanced death benefit may be  . Assumptions are consistent with
        available for an additional fee.    those used for amortizing DAC,
                                         and are thus subject to the
                                        same variability and risk.

                                     .  Investment performance and
                                        volatility assumptions are
                                            consistent with the historical
                                           experience of the appropriate
                                           underlying equity index, such
                                   as the S&P 500 Index.

                                          . Benefit assumptions are based on
                                          the average benefits payable
                                        over a range of scenarios.
------------------------------------------------------------------------------
GMIBs  . After a specified period of time  . Present value of expected income 
   determined at the time of           benefits in excess of the
      issuance of the variable            projected account balance at
annuity contract, a minimum         any future date of    
       accumulation of purchase            annuitization and recognizing
     payments, even if the account       the excess ratably over the
      value is reduced to zero, that      accumulation period based on
         can be annuitized to receive a      present value of total expected
monthly income stream that is       assessments.          
not less than a specified                                 
amount.                                                   

     .  Certain contracts also provide   . Assumptions are consistent with
        for a guaranteed lump sum           those used for estimating GMDB
return of purchase premium in       liabilities.          
lieu of the annuitization                                 
benefit.                                                  

                                     . Calculation incorporates an
                                           assumption for the percentage
                                             of the potential annuitizations
                                        that may be elected by the
                             contractholder.
------------------------------------------------------------------------------
GMWBs. . A return of purchase payment via  . Expected value of the life       
 partial withdrawals, even if        contingent payments and
    the account value is reduced to     expected assessments using
     zero, provided that cumulative      assumptions consistent with
       withdrawals in a contract year      those used for estimating the
do not exceed a certain limit.      GMDB liabilities.     

.  Certain contracts include                                    
guaranteed withdrawals that are                           
life contingent.                                          
------------------------------------------------------------------------------

The Company also issues other annuity contracts that apply a lower rate on  
funds deposited if the contractholder elects to surrender the contract for cash 
and a higher rate if the contractholder elects to annuitize. These guarantees   
include benefits that are payable in the event of death, maturity or at         
annuitization. Certain other annuity contracts contain guaranteed annuitization 
benefits that may be above what would be provided by the current account value  
of the contract. Additionally, the Company issues universal and variable life   
contracts where the Company contractually guarantees to the contractholder a    
secondary guarantee or a guaranteed paid-up benefit.                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Information regarding the liabilities for guarantees (excluding base policy 
liabilities and embedded derivatives) relating to annuity and universal and     
variable life contracts was as follows:                                         

                                                                [Download Table]

                                                Universal and Variable        
                              Annuity Contracts     Life Contracts            
                              ----------------  ----------------------        
                                                Secondary    Paid-Up          
                              GMDBs    GMIBs    Guarantees  Guarantees  Total 
                              -----    -----    ----------  ---------- ------ 
                                             (In millions)                    
                                                                              
Direct:                                                                       
Balance at January 1, 2015... $ 196    $ 458          $541        $ 82 $1,277 
Incurred guaranteed benefits.    37       80            86           9    212 
Paid guaranteed benefits.....    (1)      --            --          --     (1)
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2015.   232      538           627          91  1,488 
Incurred guaranteed benefits.    55       63            92          11    221 
Paid guaranteed benefits.....    (1)      --            --          --     (1)
Dispositions (1).............   (18)    (134)          (99)         --   (251)
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2016.   268      467           620         102  1,457 
Incurred guaranteed benefits.    58      112           105           7    282 
Paid guaranteed benefits.....    --       --            --          --     -- 
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2017. $ 326    $ 579          $725        $109 $1,739 
                              =====    =====    ==========  ========== ====== 
Ceded:                                                                        
Balance at January 1, 2015... $  37    $  24          $305        $ 57 $  423 
Incurred guaranteed benefits.    14        2            49           6     71 
Paid guaranteed benefits.....    (1)      --            --          --     (1)
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2015.    50       26           354          63    493 
Incurred guaranteed benefits.    13      (8)           (8)           8      5 
Paid guaranteed benefits.....    (1)      --            --          --     (1)
Dispositions (1).............   (18)     (39)          (97)         --   (154)
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2016.    44      (21)          249          71    343 
Incurred guaranteed benefits.  (44)       21            23           5      5 
Paid guaranteed benefits.....    --       --            --          --     -- 
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2017. $  --    $  --          $272        $ 76 $  348 
                              =====    =====    ==========  ========== ====== 
Net:                                                                          
Balance at January 1, 2015... $ 159    $ 434          $236        $ 25 $  854 
Incurred guaranteed benefits.    23       78            37           3    141 
Paid guaranteed benefits.....    --       --            --          --     -- 
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2015.   182      512           273          28    995 
Incurred guaranteed benefits.    42       71           100           3    216 
Paid guaranteed benefits.....    --       --            --          --     -- 
Dispositions (1).............    --     (95)           (2)          --   (97) 
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2016.   224      488           371          31  1,114 
Incurred guaranteed benefits.   102       91            82           2    277 
Paid guaranteed benefits.....    --       --            --          --     -- 
                              -----    -----    ----------  ---------- ------ 
Balance at December 31, 2017. $ 326    $ 579          $453        $ 33 $1,391 
                              =====    =====    ==========  ========== ====== 

--------                                                                        
(1) See Note 3.                                                                 

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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Information regarding the Company's guarantee exposure, which includes  
direct business, but excludes offsets from hedging or reinsurance, if any,  
was as follows at:                                                          

                                                        [Enlarge/Download Table]

                                                                       December 31,                            
                                            ---------------------------------------------------------------    
                                                          2017                              2016               
                                            -----------------------------     -----------------------------    
                                                In the             At             In the             At        
                                            Event of Death    Annuitization   Event of Death    Annuitization  
                                            --------------   -------------    --------------   -------------   
                                                                   (Dollars in millions)                       
                                                                                                               
Annuity Contracts (1):                                                                                         
Variable Annuity Guarantees:                                                                                   
  Total account value (2)..................  $    56,136      $    25,257      $    54,629      $    24,310    
  Separate account value...................  $    45,431      $    24,336      $    43,359      $    23,330    
  Net amount at risk.......................  $       990 (3)  $       353 (4)  $     1,386 (3)  $       328 (4)
Average attained age of contractholders....     66 years         65 years         65 years         64 years    
Other Annuity Guarantees:                                                                                      
  Total account value (2)..................          N/A      $       141              N/A      $       141    
  Net amount at risk.......................          N/A      $        92 (5)          N/A      $        92 (5)
Average attained age of contractholders....          N/A         52 years              N/A         52 years    

                                                                       December 31,                            
                                            ---------------------------------------------------------------    
                                                          2017                              2016               
                                            -----------------------------     -----------------------------    
                                              Secondary          Paid-Up        Secondary          Paid-Up     
                                               Guarantees       Guarantees       Guarantees      Guarantees    
                                            --------------   -------------    --------------   -------------   
                                                                   (Dollars in millions)                       
Universal and Variable Life Contracts (1):                                                                     
  Total account value (2)..................  $     4,679      $       977      $     4,306      $     1,014    
  Net amount at risk (6)...................  $    46,704      $     6,713      $    49,161      $     7,164    
Average attained age of policyholders......     54 years         62 years         53 years         62 years    

--------                                                                        

(1) The Company's annuity and life contracts with guarantees may offer more     
  than one type of guarantee in each contract. Therefore, the amounts listed
above may not be mutually exclusive.                                    

(2) Includes the contractholder's investments in the general account and        
separate account, if applicable.                                        

(3) Defined as the death benefit less the total account value, as of the        
  balance sheet date. It represents the amount of the claim that the Company
would incur if death claims were filed on all contracts on the balance  
 sheet date and includes any additional contractual claims associated with
 riders purchased to assist with covering income taxes payable upon death.

(4) Defined as the amount (if any) that would be required to be added to the    
  total account value to purchase a lifetime income stream, based on current
annuity rates, equal to the minimum amount provided under the guaranteed
 benefit. This amount represents the Company's potential economic exposure
to such guarantees in the event all contractholders were to annuitize on
  the balance sheet date, even though the contracts contain terms that allow
 annuitization of the guaranteed amount only after the 10th anniversary of
the contract, which not all contractholders have achieved.              

(5) Defined as either the excess of the upper tier, adjusted for a profit       
   margin, less the lower tier, as of the balance sheet date or the amount (if
any) that would be required to be added to the total account value to   
   purchase a lifetime income stream, based on current annuity rates, equal to
the minimum amount provided under the guaranteed benefit. These amounts 
 represent the Company's potential economic exposure to such guarantees in
  the event all contractholders were to annuitize on the balance sheet date.

(6) Defined as the guarantee amount less the account value, as of the balance   
sheet date. It represents the amount of the claim that the Company would
    incur if death claims were filed on all contracts on the balance sheet date.

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Account balances of contracts with guarantees were invested in separate     
account asset classes as follows at:                                            

                                                                [Download Table]

                  December 31,  
                 ---------------
                  2017    2016  
                 ------- -------
                  (In millions) 
                                
Fund Groupings:                 
Equity.......... $21,464 $19,929
Balanced........  19,443  18,833
Bond............   3,798   3,882
Money Market....      57      64
                 ------- -------
 Total.......... $44,762 $42,708
                 ======= =======

Obligations Assumed Under Structured Settlement Assignments                     

The Company assumes structured settlement claim obligations as an assignment
company. These liabilities are measured at the present value of the periodic    
claims to be provided and reported as other policy-related balances. The        
Company receives a fee for assuming these claim obligations and, as the         
assignee of the claim, is legally obligated to ensure periodic payments are     
made to the claimant. The Company purchases annuities from Brighthouse to fund  
these periodic payment claim obligations and designates payments to be made     
directly to the claimant by the affiliated annuity writer. These annuities      
funding structured settlement claims are recorded as an investment. See Note 1. 

 See Note 8 for additional information on obligations assumed under structured
settlement assignments.                                                         

Obligations Under Funding Agreements                                            

The Company issues fixed and floating rate funding agreements, which are    
denominated in either U.S. dollars or foreign currencies, to certain            
unconsolidated special purpose entities ("SPEs") that have issued either debt   
securities or commercial paper for which payment of interest and principal is   
secured by such funding agreements. During the years ended December 31, 2017,   
2016 and 2015, the Company issued $42.7 billion, $39.7 billion and              
$35.1 billion, respectively, and repaid $41.4 billion, $38.5 billion and        
$35.5 billion, respectively, of such funding agreements. At December 31, 2017   
and 2016, liabilities for funding agreements outstanding, which are included in 
policyholder account balances, were $34.2 billion and $30.8 billion,            
respectively.                                                                   

 Metropolitan Life Insurance Company is a member of the Federal Home Loan Bank
("FHLB") of New York. Holdings of common stock of the FHLB of New York,         
included in equity securities, were $733 million and $748 million at            
December 31, 2017 and 2016, respectively.                                       

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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

The Company has also entered into funding agreements with the FHLB of New 
York and a subsidiary of the Federal Agricultural Mortgage Corporation, a       
federally chartered instrumentality of the U.S. ("Farmer Mac"). The liability   
for such funding agreements is included in policyholder account balances.       
Information related to such funding agreements was as follows at:               

                                                                [Download Table]

                              Liability                     Collateral            
                      ------------------------- ----------------------------------
                                              December 31,                        
                      ------------------------------------------------------------
                          2017         2016           2017              2016      
                      ------------ ------------ ----------------  ----------------
                                             (In millions)                        
                                                                                  
FHLB of New York (1). $     14,445 $     14,445 $     16,605  (2) $     16,828 (2)
Farmer Mac (3)....... $      2,550 $      2,550 $          2,644  $          2,645

--------                                                                        
(1) Represents funding agreements issued to the FHLB of New York in exchange    
for cash and for which the FHLB of New York has been granted a lien on  
 certain assets, some of which are in the custody of the FHLB of New York,
   including residential mortgage-backed securities ("RMBS"), to collateralize
  obligations under advances evidenced by funding agreements. The Company is
 permitted to withdraw any portion of the collateral in the custody of the
  FHLB of New York as long as there is no event of default and the remaining
qualified collateral is sufficient to satisfy the collateral maintenance
level. Upon any event of default by the Company, the FHLB of New York's 
recovery on the collateral is limited to the amount of the Company's    
liability to the FHLB of New York.                                      

(2) Advances are collateralized by mortgage-backed securities. The amount of    
collateral presented is at estimated fair value.                        

(3) Represents funding agreements issued to a subsidiary of Farmer Mac, as well 
as certain SPEs that have issued debt securities for which payment of   
   interest and principal is secured by such funding agreements, and such debt
 securities are also guaranteed as to payment of interest and principal by
   Farmer Mac. The obligations under these funding agreements are secured by a
pledge of certain eligible agricultural mortgage loans and may, under   
   certain circumstances, be secured by other qualified collateral. The amount
of collateral presented is at carrying value.                           

Liabilities for Unpaid Claims and Claim Expenses                                

The following is information about incurred and paid claims development by  
segment as of December 31, 2017. Such amounts are presented net of reinsurance, 
and are not discounted. The tables present claims development and cumulative    
claim payments by incurral year. The development tables are only presented for  
significant short-duration product liabilities within each segment. Where       
practical, up to 10 years of history has been provided. The information about   
incurred and paid claims development prior to 2016 is presented as              
supplementary information, as described in Note 1.                              

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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

U.S.                                                                        

Group Life - Term                                                         

                                                        [Enlarge/Download Table]

                 Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance             At December 31, 2017    
                 ---------------------------------------------------------------------------------  ----------------------------
                                    For the Years Ended December 31,                                   Total IBNR               
                 ---------------------------------------------------------------------------------  Liabilities Plus Cumulative 
                                    (Unaudited)                                                         Expected     Number of  
                 -----------------------------------------------------------                         Development on   Reported  
Incurral Year      2011        2012        2013        2014        2015        2016        2017     Reported Claims    Claims   
-------------     ---------   ---------   ---------   ---------   ---------  ---------  ----------  ---------------- -----------
                                                        (Dollars in millions)                                                   
                                                                                                                                
    2011........ $   6,318   $   6,290   $   6,293   $   6,269   $   6,287   $   6,295   $   6,294       $    1          207,301
    2012........                 6,503       6,579       6,569       6,546       6,568       6,569            3          208,626
    2013........                             6,637       6,713       6,719       6,720       6,730           15          210,643
    2014........                                         6,986       6,919       6,913       6,910            5          210,797
    2015........                                                     7,040       7,015       7,014           12          211,597
    2016........                                                                 7,125       7,085           21          206,610
    2017........                                                                             7,432          898          186,954
                                                                                        ----------                              
 Total................................................................................      48,034                              
Cumulative paid claims and paid allocated claim adjustment expenses, net of reinsurance    (46,136)                             
All outstanding liabilities for incurral years prior to 2011, net of reinsurance.......          5                              
                                                                                        ----------                              
 Total unpaid claims and claim adjustment expenses, net of reinsurance................   $   1,903                              
                                                                                        ==========                              

                                                        [Enlarge/Download Table]

                     Cumulative Paid Claims and Paid Allocated Claim Adjustment Expenses, Net of Reinsurance
                     ---------------------------------------------------------------------------------------
                                            For the Years Ended December 31,                                
                     ---------------------------------------------------------------------------------------
                                          (Unaudited)                                                       
                     -------------------------------------------------------------                          
Incurral Year           2011         2012         2013        2014        2015        2016         2017     
-------------         ----------   ----------  ----------  ----------  ----------  ----------  ------------ 
                                                             (In millions)                                  
                                                                                                            
    2011............ $    4,982   $    6,194   $    6,239  $    6,256  $    6,281  $    6,290   $     6,292 
    2012............                   5,132        6,472       6,518       6,532       6,558         6,565 
    2013............                                5,216       6,614       6,664       6,678         6,711 
    2014............                                            5,428       6,809       6,858         6,869 
    2015............                                                        5,524       6,913         6,958 
    2016............                                                                    5,582         6,980 
    2017............                                                                                  5,761 
                                                                                               ------------ 
 Total cumulative paid claims and paid allocated claim adjustment expenses, net of reinsurance  $    46,136 
                                                                                               ============ 

Average Annual Percentage Payout                                          

    The following is supplementary information about average historical claims
duration as of December 31, 2017:                                         

                                                        [Enlarge/Download Table]

                          Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance       
                    -------------------------------------------------------------------------------------------
                                                                                                               
Years..............            1             2            3            4            5            6            7
Group Life -- Term.         78.3%         20.0%         0.7%         0.2%         0.4%         0.1%         --%

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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Group Long-Term Disability                                                

                                                        [Enlarge/Download Table]

                 Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance             At December 31, 2017    
                 ---------------------------------------------------------------------------------  ----------------------------
                                    For the Years Ended December 31,                                   Total IBNR               
                 ---------------------------------------------------------------------------------  Liabilities Plus Cumulative 
                                    (Unaudited)                                                         Expected     Number of  
                 -----------------------------------------------------------                         Development on   Reported  
Incurral Year      2011        2012        2013        2014        2015        2016        2017     Reported Claims    Claims   
-------------     ---------   ---------   ---------   ---------   ---------  ---------  ----------  ---------------- -----------
                                                               (Dollars in millions)                                            
                                                                                                                                
    2011........ $     955   $     916   $     894   $     914   $     924   $     923   $     918       $   --           21,642
    2012........                   966         979         980       1,014       1,034       1,037           --           20,085
    2013........                             1,008       1,027       1,032       1,049       1,070           --           21,123
    2014........                                         1,076       1,077       1,079       1,101           --           22,838
    2015........                                                     1,082       1,105       1,093            4           21,136
    2016........                                                                 1,131       1,139           26           17,585
    2017........                                                                             1,244          585            9,258
                                                                                        ----------                              
 Total................................................................................       7,602                              
Cumulative paid claims and paid allocated claim adjustment expenses, net of reinsurance     (3,006)                             
All outstanding liabilities for incurral years prior to 2011, net of reinsurance.......      2,539                              
                                                                                        ----------                              
 Total unpaid claims and claim adjustment expenses, net of reinsurance................   $   7,135                              
                                                                                        ==========                              

                                                        [Enlarge/Download Table]

                   Cumulative Paid Claims and Paid Allocated Claim Adjustment Expenses, Net of Reinsurance  
                  ------------------------------------------------------------------------------------------
                                               For the Years Ended December 31,                             
                  ------------------------------------------------------------------------------------------
                                            (Unaudited)                                                     
                  ---------------------------------------------------------------                           
Incurral Year        2011         2012         2013         2014         2015         2016         2017     
-------------     ----------- ------------ ------------ ------------ ------------ ------------ -------------
                                                              (In millions)                                 
                                                                                                            
    2011......... $        44 $        217 $        337 $        411 $        478 $        537  $        588
    2012.........                       43          229          365          453          524           591
    2013.........                                    43          234          382          475           551
    2014.........                                                 51          266          428           526
    2015.........                                                              50          264           427
    2016.........                                                                           49           267
    2017.........                                                                                         56
                                                                                               -------------
 Total cumulative paid claims and paid allocated claim adjustment expenses, net of reinsurance  $      3,006
                                                                                               =============

Average Annual Percentage Payout                                          

    The following is supplementary information about average historical claims
duration as of December 31, 2017:                                         

                                                        [Enlarge/Download Table]

                                  Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance      
                            ------------------------------------------------------------------------------------------
                                                                                                                      
Years......................           1             2             3            4          5             6            7
Group Long-Term Disability.         4.4%         18.8%         13.9%         8.5%       7.1%         6.4%         5.6%

Significant Methodologies and Assumptions                                   

Group Life - Term and Group Long-Term Disability incurred but not paid
("IBNP") liabilities are developed using a combination of loss ratio and  
 development methods. Claims in the course of settlement are then subtracted
  from the IBNP liabilities, resulting in the IBNR liabilities. The loss ratio
 method is used in the period in which the claims are neither sufficient nor
credible. In developing the loss ratios, any material rate increases that 
  could change the underlying premium without affecting the estimated incurred
losses are taken into account. For periods where sufficient and credible  
claim data exists, the development method is used based on the claim      
  triangles which categorize claims according to both the period in which they
were incurred and the period in which they were paid, adjudicated or      
  reported. The end result is a triangle of known data that is used to develop
known completion ratios and factors. Claims paid are then subtracted from 
the estimated ultimate incurred claims to calculate the IBNP liability.   

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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

    An expense liability is held for the future expenses associated with
  the payment of incurred but not yet paid claims (IBNR and pending). This
is expressed as a percentage of the underlying claims liability and is
based on past experience and the anticipated future expense structure.

For Group Life - Term and Group Long-Term Disability, first year
  incurred claims and allocated loss adjustment expenses increased in 2017
 compared to the 2016 incurral year due to the growth in the size of the
business.                                                             

   There were no significant changes in methodologies during 2017. The
assumptions used in calculating the unpaid claims and claim adjustment
   expenses for Group Life - Term and Group Long-Term Disability are updated
annually to reflect emerging trends in claim experience.              

       No additional premiums or return premiums have been accrued as a result
of the prior year development.                                        

    Liabilities for Group Life - Term unpaid claims and claim adjustment
expenses are not discounted.                                          

      The liabilities for Group Long-Term Disability unpaid claims and claim
adjustment expenses were $6.0 billion and $5.8 billion at December 31,
   2017 and 2016, respectively. These amounts were discounted using interest
rates ranging from 3% to 8%, based on the incurral year. The total    
discount applied to these liabilities was $1.3 billion at both        
 December 31, 2017 and 2016. The amount of interest accretion recognized
was $510 million, $565 million and $517 million for the years ended   
December 31, 2017, 2016 and 2015, respectively. These amounts were    
reflected in policyholder benefits and claims.                        

      For Group Life - Term, claims were based upon individual death claims.
For Group Long-Term Disability, claim frequency was determined by the 
   number of reported claims as identified by a unique claim number assigned
    to individual claimants. Claim counts initially include claims that do not
   ultimately result in a liability. These claims are omitted from the claim
counts once it is determined that there is no liability.              

       The Group Long-Term Disability IBNR, included in the development tables
 above, was developed using discounted cash flows, and is presented on a
discounted basis.                                                     

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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Reconciliation of the Disclosure of Incurred and Paid Claims Development to 
the Liability for Unpaid Claims and Claim Adjustment Expenses               

 The reconciliation of the net incurred and paid claims development tables
to the liability for unpaid claims and claims adjustment expenses on the    
consolidated balance sheet was as follows at:                               

                                                        [Enlarge/Download Table]

                                                                                                 December 31, 2017         
                                                                                         ----------------------------------
                                                                                                   (In millions)           
                                                                                                                           
Short-Duration:                                                                                                            
Unpaid claims and allocated claims adjustment expenses, net of reinsurance:                                                
U.S.:                                                                                                                      
Group Life - Term....................................................................... $          1,903                  
Group Long-Term Disability..............................................................            7,135                  
                                                                                         ----------------                  
  Total.................................................................................                  $           9,038
Other insurance lines - all segments combined...........................................                                504
                                                                                                          -----------------
  Total unpaid claims and allocated claims adjustment expenses, net of reinsurance......                              9,542
                                                                                                          -----------------

Reinsurance recoverables on unpaid claims:                                                                                 
U.S.:                                                                                                                      
Group Life - Term.......................................................................               16                  
Group Long-Term Disability..............................................................               95                  
                                                                                         ----------------                  
  Total.................................................................................                                111
Other insurance lines - all segments combined...........................................                                 29
                                                                                                          -----------------
  Total reinsurance recoverable on unpaid claims........................................                                140
                                                                                                          -----------------
  Total unpaid claims and allocated claims adjustment expense...........................                              9,682
Discounting.............................................................................                            (1,272)
                                                                                                          -----------------
Liability for unpaid claims and claim adjustment liabilities - short-duration...........                              8,410
Liability for unpaid claims and claim adjustment liabilities - all long-duration lines..                              3,680
                                                                                                          -----------------
   Total liability for unpaid claims and claim adjustment expense (included in future                                      
    policy benefits and other policy-related balances)..................................                  $          12,090
                                                                                                          =================

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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Rollforward of Claims and Claim Adjustment Expenses                         

Information regarding the liabilities for unpaid claims and claim   
adjustment expenses was as follows:                                       

                                                        [Enlarge/Download Table]

                                                       Years Ended December 31,            
                                            -----------------------------------------------
                                                 2017          2016 (1)        2015 (2)    
                                            --------------- --------------- ---------------
                                                             (In millions)                 
                                                                                           
Balance at December 31 of prior period..... $        11,621 $         7,527 $         7,310
  Less: Reinsurance recoverables...........           1,251             273             286
                                            --------------- --------------- ---------------
Net balance at December 31 of prior period.          10,370           7,254           7,024
Cumulative adjustment (3)..................              --           3,277              --
                                            --------------- --------------- ---------------
Net balance at January 1,..................          10,370          10,531           7,024
Incurred related to:                                                                       
  Current year.............................          16,264          15,978           5,316
  Prior years (4)..........................             175             322              13
                                            --------------- --------------- ---------------
    Total incurred.........................          16,439          16,300           5,329
Paid related to:                                                                           
  Current year.............................        (12,212)        (12,454)         (3,415)
  Prior years..............................         (3,908)         (3,905)         (1,684)
                                            --------------- --------------- ---------------
    Total paid.............................        (16,120)        (16,359)         (5,099)
Dispositions (5)...........................              --           (102)              --
                                            --------------- --------------- ---------------
Net balance at December 31,................          10,689          10,370           7,254
  Add: Reinsurance recoverables............           1,401           1,251             273
                                            --------------- --------------- ---------------
Balance at December 31,.................... $        12,090 $        11,621 $         7,527
                                            =============== =============== ===============

--------                                                                        

(1) In addition to the revisions discussed in Note 1, at December 31, 2016, the 
Net balance decreased by $712 million and the Reinsurance recoverables  
  increased by $712 million from those amounts previously reported primarily
to correct for the improper classification of reinsurance recoverables. 

(2) Limited to group accident and non-medical health policies and contracts.    

(3) Reflects the accumulated adjustment, net of reinsurance, upon               
   implementation of the new short-duration contracts guidance which clarified
 the requirement to include claim information for long-duration contracts.
   The accumulated adjustment primarily reflects unpaid claim liabilities, net
of reinsurance, for long-duration contracts as of the beginning of the  
period presented. Prior periods have not been restated. See Note 1.     

(4) During 2017, as a result of changes in estimates of insured events in the   
   respective prior year, claims and claim adjustment expenses associated with
prior years increased due to events incurred in prior years but reported
during current year. During 2016, as a result of changes in estimates of
insured events in the respective prior year, claims and claim adjustment
   expenses associated with prior years increased due to the implementation of
new guidance related to short-duration contracts.                       

(5) See Note 3.                                                                 

Separate Accounts                                                               

Separate account assets and liabilities include two categories of account   
types: pass-through separate accounts totaling $75.2 billion and $73.6 billion  
at December 31, 2017 and 2016, respectively, for which the policyholder assumes 
all investment risk, and separate accounts for which the Company contractually  
guarantees either a minimum return or account value to the policyholder which   
totaled $55.6 billion and $60.2 billion at December 31, 2017 and 2016,          
respectively. The latter category consisted primarily of guaranteed interest    
contracts. The average interest rate credited on these contracts was 2.40% and  
2.39% at December 31, 2017 and 2016, respectively.                              

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

For the years ended December 31, 2017, 2016 and 2015, there were no         
investment gains (losses) on transfers of assets from the general account to    
the separate accounts.                                                          

5. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles                                                                     

See Note 1 for a description of capitalized acquisition costs.              

Nonparticipating and Non-Dividend-Paying Traditional Contracts                  

The Company amortizes DAC and VOBA related to these contracts (term         
insurance, nonparticipating whole life insurance, traditional group life        
insurance, and non-medical health insurance) over the appropriate premium       
paying period in proportion to the actual and expected future gross premiums    
that were set at contract issue. The expected premiums are based upon the       
premium requirement of each policy and assumptions for mortality, morbidity,    
persistency and investment returns at policy issuance, or policy acquisition    
(as it relates to VOBA), include provisions for adverse deviation, and are      
consistent with the assumptions used to calculate future policyholder benefit   
liabilities. These assumptions are not revised after policy issuance or         
acquisition unless the DAC or VOBA balance is deemed to be unrecoverable from   
future expected profits. Absent a premium deficiency, variability in            
amortization after policy issuance or acquisition is caused only by variability 
in premium volumes.                                                             

Participating, Dividend-Paying Traditional Contracts                            

The Company amortizes DAC and VOBA related to these contracts over the      
estimated lives of the contracts in proportion to actual and expected future    
gross margins. The amortization includes interest based on rates in effect at   
inception or acquisition of the contracts. The future gross margins are         
dependent principally on investment returns, policyholder dividend scales,      
mortality, persistency, expenses to administer the business, creditworthiness   
of reinsurance counterparties and certain economic variables, such as           
inflation. For participating contracts within the closed block (dividend-paying 
traditional contracts) future gross margins are also dependent upon changes in  
the policyholder dividend obligation. See Note 7. Of these factors, the Company 
anticipates that investment returns, expenses, persistency and other factor     
changes, as well as policyholder dividend scales, are reasonably likely to      
impact significantly the rate of DAC and VOBA amortization. Each reporting      
period, the Company updates the estimated gross margins with the actual gross   
margins for that period. When the actual gross margins change from previously   
estimated gross margins, the cumulative DAC and VOBA amortization is            
re-estimated and adjusted by a cumulative charge or credit to current           
operations. When actual gross margins exceed those previously estimated, the    
DAC and VOBA amortization will increase, resulting in a current period charge   
to earnings. The opposite result occurs when the actual gross margins are below 
the previously estimated gross margins. Each reporting period, the Company also 
updates the actual amount of business in-force, which impacts expected future   
gross margins. When expected future gross margins are below those previously    
estimated, the DAC and VOBA amortization will increase, resulting in a current  
period charge to earnings. The opposite result occurs when the expected future  
gross margins are above the previously estimated expected future gross margins. 
Each period, the Company also reviews the estimated gross margins for each      
block of business to determine the recoverability of DAC and VOBA balances.     

Fixed and Variable Universal Life Contracts and Fixed and Variable Deferred     
Annuity Contracts                                                               

The Company amortizes DAC and VOBA related to these contracts over the      
estimated lives of the contracts in proportion to actual and expected future    
gross profits. The amortization includes interest based on rates in effect at   
inception or acquisition of the contracts. The amount of future gross profits   
is dependent principally upon returns in excess of the amounts credited to      
policyholders, mortality, persistency, interest crediting rates, expenses to    
administer the business, creditworthiness of reinsurance counterparties, the    
effect of any hedges used and certain economic variables, such as inflation. Of 
these factors, the Company anticipates that investment returns, expenses and    
persistency are reasonably likely to significantly impact the rate of DAC and   
VOBA amortization. Each reporting period, the Company updates the estimated     
gross profits with the actual gross profits for that period. When the actual    
gross profits change from previously estimated gross profits, the cumulative    
DAC and VOBA amortization is re-estimated and adjusted by a cumulative charge   
or credit to current operations. When actual gross profits exceed those         
previously estimated, the DAC and VOBA amortization will increase, resulting in 
a current period charge to earnings. The opposite result occurs when the actual 
gross profits are below the previously estimated gross profits. Each reporting  
period, the Company also updates the actual amount of business remaining        
in-force, which impacts expected future gross profits. When expected future     
gross profits are below those previously estimated, the DAC and VOBA            
amortization will increase, resulting in a current period charge to earnings.   
The opposite result occurs when the expected future gross profits are above the 
previously estimated expected future gross profits. Each period, the Company    
also reviews the estimated gross profits for each block of business to          
determine the recoverability of DAC and VOBA balances.                          

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

5. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles (continued)                                                         

Factors Impacting Amortization                                                  

Separate account rates of return on variable universal life contracts and   
variable deferred annuity contracts affect in-force account balances on such    
contracts each reporting period, which can result in significant fluctuations   
in amortization of DAC and VOBA. Returns that are higher than the Company's     
long-term expectation produce higher account balances, which increases the      
Company's future fee expectations and decreases future benefit payment          
expectations on minimum death and living benefit guarantees, resulting in       
higher expected future gross profits. The opposite result occurs when returns   
are lower than the Company's long-term expectation. The Company's practice to   
determine the impact of gross profits resulting from returns on separate        
accounts assumes that long-term appreciation in equity markets is not changed   
by short-term market fluctuations, but is only changed when sustained interim   
deviations are expected. The Company monitors these events and only changes the 
assumption when its long-term expectation changes.                              

The Company also periodically reviews other long-term assumptions underlying
the projections of estimated gross margins and profits. These assumptions       
primarily relate to investment returns, policyholder dividend scales, interest  
crediting rates, mortality, persistency, policyholder behavior and expenses to  
administer business. Management annually updates assumptions used in the        
calculation of estimated gross margins and profits which may have significantly 
changed. If the update of assumptions causes expected future gross margins and  
profits to increase, DAC and VOBA amortization will decrease, resulting in a    
current period increase to earnings. The opposite result occurs when the        
assumption update causes expected future gross margins and profits to decrease. 

Periodically, the Company modifies product benefits, features, rights or    
coverages that occur by the exchange of a contract for a new contract, or by    
amendment, endorsement, or rider to a contract, or by election or coverage      
within a contract. If such modification, referred to as an internal             
replacement, substantially changes the contract, the associated DAC or VOBA is  
written off immediately through income and any new deferrable costs associated  
with the replacement contract are deferred. If the modification does not        
substantially change the contract, the DAC or VOBA amortization on the original 
contract will continue and any acquisition costs associated with the related    
modification are expensed.                                                      

Amortization of DAC and VOBA is attributed to net investment gains (losses) 
and net derivative gains (losses), and to other expenses for the amount of      
gross margins or profits originating from transactions other than investment    
gains and losses. Unrealized investment gains and losses represent the amount   
of DAC and VOBA that would have been amortized if such gains and losses had     
been recognized.                                                                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

5. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles (continued)                                                         

Information regarding DAC and VOBA was as follows:                          

                                                        [Enlarge/Download Table]

                                                                              Years Ended December 31,             
                                                                 ------------------------------------------------- 
                                                                       2017             2016             2015      
                                                                 ---------------  ---------------  --------------- 
                                                                                   (In millions)                   
                                                                                                                   
DAC:                                                                                                               
Balance at January 1,...........................................  $        4,714   $        5,977   $        5,905 
Capitalizations.................................................              61              332              482 
Amortization related to:                                                                                           
Net investment gains (losses) and net derivative gains (losses).              91              353             (111)
Other expenses..................................................            (331)            (791)            (624)
                                                                 ---------------  ---------------  --------------- 
  Total amortization............................................            (240)            (438)            (735)
                                                                 ---------------  ---------------  --------------- 
Unrealized investment gains (losses)............................            (215)             (12)             325 
Dispositions (1)................................................              --           (1,145)              -- 
                                                                 ---------------  ---------------  --------------- 
Balance at December 31,.........................................           4,320            4,714            5,977 
                                                                 ---------------  ---------------  --------------- 
VOBA:                                                                                                              
Balance at January 1,...........................................              29               66               70 
Amortization related to:                                                                                           
Other expenses..................................................              (1)              (3)              (7)
                                                                 ---------------  ---------------  --------------- 
  Total amortization............................................              (1)              (3)              (7)
                                                                 ---------------  ---------------  --------------- 
Unrealized investment gains (losses)............................              --               13                3 
Dispositions (1)................................................              --              (47)              -- 
                                                                 ---------------  ---------------  --------------- 
Balance at December 31,.........................................              28               29               66 
                                                                 ---------------  ---------------  --------------- 
Total DAC and VOBA:                                                                                                
Balance at December 31,.........................................  $        4,348   $        4,743   $        6,043 
                                                                 ===============  ===============  =============== 

--------                                                                        

(1) See Note 3.                                                                 

Information regarding total DAC and VOBA by segment, as well as Corporate & 
Other, was as follows at:                                                       

                                                                [Download Table]

                          December 31,        
                   ---------------------------
                       2017          2016     
                   ------------- -------------
                          (In millions)       
                                              
U.S...............  $        413  $        421
MetLife Holdings..         3,930         4,317
Corporate & Other.             5             5
                   ------------- -------------
  Total...........  $      4,348  $      4,743
                   ============= =============

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

5. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles (continued)                                                         

Information regarding other intangibles was as follows:                   

                                                                [Download Table]

                                           Years Ended December 31,      
                                      ---------------------------------- 
                                         2017        2016        2015    
                                      ----------  ----------  ---------- 
                                                 (In millions)           
                                                                         
DSI:                                                                     
Balance at January 1,................ $      105  $      130  $      122 
Capitalization.......................          1           4           8 
Amortization.........................         (8)        (16)        (21)
Unrealized investment gains (losses).         (5)          1          21 
Dispositions (1)..................... $       --  $      (14) $       -- 
                                      ----------  ----------  ---------- 
Balance at December 31,.............. $       93  $      105  $      130 
                                      ==========  ==========  ========== 
VODA and VOCRA:                                                          
Balance at January 1,................ $      235  $      265  $      295 
Amortization.........................        (28)        (30)        (30)
                                      ----------  ----------  ---------- 
Balance at December 31,.............. $      207  $      235  $      265 
                                      ==========  ==========  ========== 
Accumulated amortization............. $      250  $      222  $      192 
                                      ==========  ==========  ========== 

--------                                                                        

(1)See Note 3.                                                            

The estimated future amortization expense to be reported in other expenses  
for the next five years was as follows:                                         

                                                                [Download Table]

                                   VOBA     VODA and VOCRA
                               ------------ --------------
                                      (In millions)       
                                                          
2018.......................... $          2 $          26 
2019.......................... $          2 $          24 
2020.......................... $          2 $          22 
2021.......................... $          2 $          19 
2022.......................... $          2 $          17 

6. Reinsurance                                                                  

The Company enters into reinsurance agreements primarily as a purchaser of  
reinsurance for its various insurance products and also as a provider of        
reinsurance for some insurance products issued by affiliated and unaffiliated   
companies. The Company participates in reinsurance activities in order to limit 
losses, minimize exposure to significant risks and provide additional capacity  
for future growth.                                                              

Accounting for reinsurance requires extensive use of assumptions and        
estimates, particularly related to the future performance of the underlying     
business and the potential impact of counterparty credit risks. The Company     
periodically reviews actual and anticipated experience compared to the          
aforementioned assumptions used to establish assets and liabilities relating to 
ceded and assumed reinsurance and evaluates the financial strength of           
counterparties to its reinsurance agreements using criteria similar to that     
evaluated in the security impairment process discussed in Note 8.               

U.S.                                                                            

For certain policies within its Group Benefits business, the Company        
generally retains most of the risk and only cedes particular risks on certain   
client arrangements. The majority of the Company's reinsurance activity within  
this business relates to client agreements for employer sponsored captive       
programs, risk-sharing agreements and multinational pooling.                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

The Company's Retirement and Income Solutions business has periodically     
engaged in reinsurance activities, on an opportunistic basis. There were no     
such transactions during the periods presented.                                 

MetLife Holdings                                                                

For its life products, the Company has historically reinsured the mortality 
risk primarily on an excess of retention basis or on a quota share basis. For   
the periods presented, the Company reinsured 90% of the mortality risk in       
excess of $2 million for most products. In addition to reinsuring mortality     
risk as described above, the Company reinsures other risks, as well as specific 
coverages. Placement of reinsurance is done primarily on an automatic basis and 
also on a facultative basis for risks with specified characteristics. On a case 
by case basis, the Company may retain up to $20 million per life and reinsure   
100% of amounts in excess of the amount it retains. The Company evaluates its   
reinsurance programs routinely and may increase or decrease its retention at    
any time.                                                                       

Catastrophe Coverage                                                            

The Company has exposure to catastrophes which could contribute to          
significant fluctuations in its results of operations. The Company purchases    
catastrophe coverage to insure risks issued within territories that it believes 
are subject to the greatest catastrophic risks.                                 

Reinsurance Recoverables                                                        

The Company reinsures its business through a diversified group of           
well-capitalized reinsurers. The Company analyzes recent trends in arbitration  
and litigation outcomes in disputes, if any, with its reinsurers. The Company   
monitors ratings and evaluates the financial strength of its reinsurers by      
analyzing their financial statements. In addition, the reinsurance recoverable  
balance due from each reinsurer is evaluated as part of the overall monitoring  
process. Recoverability of reinsurance recoverable balances is evaluated based  
on these analyses. The Company generally secures large reinsurance recoverable  
balances with various forms of collateral, including secured trusts, funds      
withheld accounts, and irrevocable letters of credit. These reinsurance         
recoverable balances are stated net of allowances for uncollectible             
reinsurance, which at December 31, 2017 and 2016 were not significant.          

 The Company has secured certain reinsurance recoverable balances with various
forms of collateral, including secured trusts, funds withheld accounts and      
irrevocable letters of credit. The Company had $1.9 billion of unsecured        
unaffiliated reinsurance recoverable balances at both December 31, 2017 and     
2016.                                                                           

At December 31, 2017, the Company had $2.9 billion of net unaffiliated ceded
reinsurance recoverables. Of this total, $2.1 billion, or 72%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $1.3 billion of 
net unaffiliated ceded reinsurance recoverables which were unsecured. At        
December 31, 2016, the Company had $3.0 billion of net unaffiliated ceded       
reinsurance recoverables. Of this total, $2.1 billion, or 70%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $1.4 billion of 
net unaffiliated ceded reinsurance recoverables which were unsecured.           

The Company has reinsured with an unaffiliated third-party reinsurer 59% of 
the closed block through a modified coinsurance agreement. The Company accounts 
for this agreement under the deposit method of accounting. The Company, having  
the right of offset, has offset the modified coinsurance deposit with the       
deposit recoverable.                                                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

The amounts on the consolidated statements of operations include the impact 
of reinsurance. Information regarding the significant effects of reinsurance    
was as follows:                                                                 

                                                        [Enlarge/Download Table]

                                                                          Years Ended December 31,            
                                                               ---------------------------------------------- 
                                                                    2017            2016            2015      
                                                               --------------  --------------  -------------- 
                                                                                (In millions)                 
                                                                                                              
Premiums                                                                                                      
Direct premiums...............................................  $      23,062   $      21,931   $      21,497 
Reinsurance assumed...........................................          1,116           1,687           1,679 
Reinsurance ceded.............................................         (1,253)         (1,225)         (1,242)
                                                               --------------  --------------  -------------- 
  Net premiums................................................  $      22,925   $      22,393   $      21,934 
                                                               ==============  ==============  ============== 
Universal life and investment-type product policy fees                                                        
Direct universal life and investment-type product policy fees.  $       2,492   $       3,006   $       3,050 
Reinsurance assumed...........................................             12              60              58 
Reinsurance ceded.............................................           (277)           (524)           (524)
                                                               --------------  --------------  -------------- 
  Net universal life and investment-type product policy fees..  $       2,227   $       2,542   $       2,584 
                                                               ==============  ==============  ============== 
Other revenues                                                                                                
Direct other revenues.........................................  $         930   $         851   $         875 
Reinsurance assumed...........................................             35              (2)              5 
Reinsurance ceded.............................................            605             629             656 
                                                               --------------  --------------  -------------- 
  Net other revenues..........................................  $       1,570   $       1,478   $       1,536 
                                                               ==============  ==============  ============== 
Policyholder benefits and claims                                                                              
Direct policyholder benefits and claims.......................  $      26,199   $      25,248   $      24,561 
Reinsurance assumed...........................................            875           1,496           1,454 
Reinsurance ceded.............................................         (1,282)         (1,431)         (1,468)
                                                               --------------  --------------  -------------- 
  Net policyholder benefits and claims........................  $      25,792   $      25,313   $      24,547 
                                                               ==============  ==============  ============== 
Interest credited to policyholder account balances                                                            
Direct interest credited to policyholder account balances.....  $       2,199   $       2,279   $       2,240 
Reinsurance assumed...........................................             49              35              33 
Reinsurance ceded.............................................            (13)            (81)            (90)
                                                               --------------  --------------  -------------- 
  Net interest credited to policyholder account balances......  $       2,235   $       2,233   $       2,183 
                                                               ==============  ==============  ============== 
Other expenses                                                                                                
Direct other expenses.........................................  $       4,489   $       4,830   $       5,448 
Reinsurance assumed...........................................            138             583             340 
Reinsurance ceded.............................................            508             390             470 
                                                               --------------  --------------  -------------- 
  Net other expenses..........................................  $       5,135   $       5,803   $       6,258 
                                                               ==============  ==============  ============== 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

The amounts on the consolidated balance sheets include the impact of        
reinsurance. Information regarding the significant effects of reinsurance was   
as follows at:                                                                  

                                                        [Enlarge/Download Table]

                                                                      December 31,                                    
                                   -----------------------------------------------------------------------------------
                                                     2017                                      2016                   
                                   ----------------------------------------- -----------------------------------------
                                                                     Total                                     Total  
                                                                    Balance                                   Balance 
                                    Direct    Assumed     Ceded      Sheet    Direct    Assumed     Ceded      Sheet  
                                   --------- --------- ----------  --------- --------- --------- ----------  ---------
                                                                           (In millions)                              
                                                                                                                      
Assets                                                                                                                
Premiums, reinsurance and other                                                                                       
 receivables......................  $  2,491  $    448  $  19,159   $ 22,098  $  2,212  $    620  $  19,551   $ 22,383
Deferred policy acquisition costs                                                                                     
 and value of business acquired...     4,581        17       (250)     4,348     4,977        55       (289)     4,743
                                   --------- --------- ----------  --------- --------- --------- ----------  ---------
  Total assets....................  $  7,072  $    465  $  18,909   $ 26,446  $  7,189  $    675  $  19,262   $ 27,126
                                   ========= ========= ==========  ========= ========= ========= ==========  =========
Liabilities                                                                                                           
Future policy benefits............  $118,077  $  1,342  $      (4)  $119,415  $113,883  $  1,640  $      (4)  $115,519
Policyholder account balances.....    93,758       181         --     93,939    91,889       577         --     92,466
Other policy-related balances.....     6,914       247         15      7,176     6,727       358         18      7,103
Other liabilities.................     8,498     2,242     16,669     27,409    10,735     2,229     16,533     29,497
                                   --------- --------- ----------  --------- --------- --------- ----------  ---------
  Total liabilities...............  $227,247  $  4,012  $  16,680   $247,939  $223,234  $  4,804  $  16,547   $244,585
                                   ========= ========= ==========  ========= ========= ========= ==========  =========

In December 2016, the Company recaptured two reinsurance agreements which   
covered 90% of the liabilities on certain participating whole life insurance    
policies issued between April 1, 2000 and December 31, 2001 which were          
reinsured by an unaffiliated company. This recapture resulted in an increase in 
DAC and VOBA of $95 million, a decrease in premiums, reinsurance and other      
receivables of $697 million, and a decrease in other liabilities of             
$713 million. The Company recognized a gain of $72 million, net of income tax,  
for the year ended December 31, 2016, as a result of this transaction.          

Reinsurance agreements that do not expose the Company to a reasonable       
possibility of a significant loss from insurance risk are recorded using the    
deposit method of accounting. The deposit assets on reinsurance were            
$14.3 billion and $14.5 billion at December 31, 2017 and 2016, respectively.    
The deposit liabilities on reinsurance were $1.9 billion and $2.2 billion at    
December 31, 2017 and 2016, respectively.                                       

Related Party Reinsurance Transactions                                          

The Company has reinsurance agreements with certain of MetLife, Inc.'s      
subsidiaries, including MetLife Reinsurance Company of Charleston ("MRC"),      
MetLife Reinsurance Company of Vermont, Metropolitan Tower Life Insurance       
Company and GALIC, all of which are related parties. Additionally, the Company  
has reinsurance agreements with Brighthouse Life Insurance Company              
("Brighthouse Insurance"), Brighthouse Life Insurance Company of NY             
("Brighthouse NY") and NELICO, former subsidiaries of MetLife, Inc. that were   
part of the Separation. See Note 2.                                             

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

Information regarding the significant effects of affiliated reinsurance     
included on the consolidated statements of operations was as follows:           

                                                        [Enlarge/Download Table]

                                                                    Years Ended December 31,       
                                                              -------------------------------------
                                                                 2017         2016         2015    
                                                              ----------- ------------ ------------
                                                                          (In millions)            
                                                                                                   
Premiums                                                                                           
Reinsurance assumed..........................................  $      122  $       727  $       701
Reinsurance ceded............................................       (132)         (45)         (40)
                                                              ----------- ------------ ------------
  Net premiums...............................................  $     (10)  $       682  $       661
                                                              =========== ============ ============
Universal life and investment-type product policy fees                                             
Reinsurance assumed..........................................  $       12  $        60  $        58
Reinsurance ceded............................................        (19)        (138)        (141)
                                                              ----------- ------------ ------------
  Net universal life and investment-type product policy fees.  $      (7)  $      (78)  $      (83)
                                                              =========== ============ ============
Other revenues                                                                                     
Reinsurance assumed..........................................  $       37  $       (1)  $         5
Reinsurance ceded............................................         563          575          607
                                                              ----------- ------------ ------------
  Net other revenues.........................................  $      600  $       574  $       612
                                                              =========== ============ ============
Policyholder benefits and claims                                                                   
Reinsurance assumed..........................................  $       69  $       697  $       652
Reinsurance ceded............................................       (122)        (110)        (106)
                                                              ----------- ------------ ------------
  Net policyholder benefits and claims.......................  $     (53)  $       587  $       546
                                                              =========== ============ ============
Interest credited to policyholder account balances                                                 
Reinsurance assumed..........................................  $       47  $        34  $        32
Reinsurance ceded............................................        (13)         (81)         (90)
                                                              ----------- ------------ ------------
  Net interest credited to policyholder account balances.....  $       34  $      (47)  $      (58)
                                                              =========== ============ ============
Other expenses                                                                                     
Reinsurance assumed..........................................  $       40  $       490  $       245
Reinsurance ceded............................................         600          570          578
                                                              ----------- ------------ ------------
  Net other expenses.........................................  $      640  $     1,060  $       823
                                                              =========== ============ ============

Information regarding the significant effects of affiliated reinsurance     
included on the consolidated balance sheets was as follows at:                  

                                                        [Enlarge/Download Table]

                                                                                     December 31,                    
                                                                  -------------------------------------------------- 
                                                                            2017                      2016           
                                                                  ------------------------  ------------------------ 
                                                                    Assumed       Ceded       Assumed       Ceded    
                                                                  ----------- ------------  ----------- ------------ 
                                                                                     (In millions)                   
                                                                                                                     
Assets                                                                                                               
Premiums, reinsurance and other receivables......................  $       47  $    12,762   $      229  $    13,334 
Deferred policy acquisition costs and value of business acquired.          --         (180)          38         (198)
                                                                  ----------- ------------  ----------- ------------ 
  Total assets...................................................  $       47  $    12,582   $      267  $    13,136 
                                                                  =========== ============  =========== ============ 
Liabilities                                                                                                          
Future policy benefits...........................................  $      380  $        (4)  $      663  $        (4)
Policyholder account balances....................................         166           --          563           -- 
Other policy-related balances....................................         104           15          212           18 
Other liabilities................................................       1,858       12,970        1,853       13,065 
                                                                  ----------- ------------  ----------- ------------ 
  Total liabilities..............................................  $    2,508  $    12,981   $    3,291  $    13,079 
                                                                  =========== ============  =========== ============ 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

 The Company ceded two blocks of business to an affiliate on a 75% coinsurance
with funds withheld basis. Certain contractual features of these agreements     
qualify as embedded derivatives, which are separately accounted for at          
estimated fair value on the Company's consolidated balance sheets. The embedded 
derivatives related to the funds withheld associated with these reinsurance     
agreements are included within other liabilities and were $16 million and       
$10 million at December 31, 2017 and 2016, respectively. Net derivative gains   
(losses) associated with these embedded derivatives were ($6) million,          
($2) million and $12 million for the years ended December 31, 2017, 2016 and    
2015, respectively.                                                             

 The Company ceded risks to an affiliate related to guaranteed minimum benefit
guarantees written directly by the Company. These ceded reinsurance agreements  
contain embedded derivatives and changes in their estimated fair value are also 
included within net derivative gains (losses). The embedded derivatives         
associated with the cessions are included within premiums, reinsurance and      
other receivables and were $0 and $460 million at December 31, 2017 and 2016,   
respectively. Net derivative gains (losses) associated with the embedded        
derivatives were ($110) million, $33 million and $47 million for the years      
ended December 31, 2017, 2016 and 2015, respectively.                           

 Certain contractual features of the closed block agreement with MRC create an
embedded derivative, which is separately accounted for at estimated fair value  
on the Company's consolidated balance sheets. The embedded derivative related   
to the funds withheld associated with this reinsurance agreement is included    
within other liabilities and was $882 million and $767 million at December 31,  
2017 and 2016, respectively. Net derivative gains (losses) associated with the  
embedded derivative were ($115) million, ($73) million and $404 million for the 
years ended December 31, 2017, 2016 and 2015, respectively.                     

The Company assumes risks from affiliates related to guaranteed minimum     
benefit guarantees written directly by the affiliates. These assumed            
reinsurance agreements contain embedded derivatives and changes in their        
estimated fair value are also included within net derivative gains (losses).    
The embedded derivatives associated with these agreements are included within   
policyholder account balances and were $3 million and $390 million at           
December 31, 2017 and 2016, respectively. Net derivative gains (losses)         
associated with the embedded derivatives were $263 million, ($32) million and   
($55) million for the years ended December 31, 2017, 2016 and 2015,             
respectively.                                                                   

In January 2017, Brighthouse NY and NELICO recaptured risks related to      
certain variable annuities, including guaranteed minimum benefits, reinsured by 
the Company. This recapture resulted in a decrease in cash and cash equivalents 
of $34 million, a decrease in premiums, reinsurance and other receivables of    
$77 million, a decrease in future policy benefits of $79 million, a decrease in 
policyholder account balances of $387 million and an increase in other          
liabilities of $76 million. The Company recognized a gain of $178 million, net  
of income tax, for the year ended December 31, 2017, as a result of these       
transactions.                                                                   

In January 2017, the Company recaptured risks related to guaranteed minimum 
benefit guarantees on certain variable annuities reinsured by Brighthouse       
Insurance. This recapture resulted in an increase in investments and cash and   
cash equivalents of $428 million and a decrease in premiums, reinsurance and    
other receivables of $565 million. The Company recognized a loss of             
$89 million, net of income tax, for the year ended December 31, 2017, as a      
result of this transaction.                                                     

In April 2016, Brighthouse Insurance recaptured risks related to certain    
single premium deferred annuity contracts from the Company. As a result of this 
recapture, the significant effects to the Company were a decrease in            
investments and cash and cash equivalents of $4.3 billion and a decrease in DAC 
of $87 million, offset by a decrease in other liabilities of $4.0 billion. The  
Company recognized a loss of $95 million, net of income tax, for the year ended 
December 31, 2016, as a result of this recapture.                               

 The Company has secured certain reinsurance recoverable balances with various
forms of collateral, including secured trusts, funds withheld accounts and      
irrevocable letters of credit. The Company had $13 million and $293 million of  
unsecured affiliated reinsurance recoverable balances at December 31, 2017 and  
2016, respectively.                                                             

Affiliated reinsurance agreements that do not expose the Company to a       
reasonable possibility of a significant loss from insurance risk are recorded   
using the deposit method of accounting. The deposit assets on affiliated        
reinsurance were $11.5 billion and $11.7 billion at December 31, 2017 and 2016, 
respectively. The deposit liabilities on affiliated reinsurance were            
$1.8 billion and $2.2 billion at December 31, 2017 and 2016, respectively.      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

7. Closed Block                                                                 

On April 7, 2000 (the "Demutualization Date"), Metropolitan Life Insurance  
Company converted from a mutual life insurance company to a stock life          
insurance company and became a wholly-owned subsidiary of MetLife, Inc. The     
conversion was pursuant to an order by the New York Superintendent of Insurance 
approving Metropolitan Life Insurance Company's plan of reorganization, as      
amended (the "Plan of Reorganization"). On the Demutualization Date,            
Metropolitan Life Insurance Company established a closed block for the benefit  
of holders of certain individual life insurance policies of Metropolitan Life   
Insurance Company. Assets have been allocated to the closed block in an amount  
that has been determined to produce cash flows which, together with anticipated 
revenues from the policies included in the closed block, are reasonably         
expected to be sufficient to support obligations and liabilities relating to    
these policies, including, but not limited to, provisions for the payment of    
claims and certain expenses and taxes, and to provide for the continuation of   
policyholder dividend scales in effect for 1999, if the experience underlying   
such dividend scales continues, and for appropriate adjustments in such scales  
if the experience changes. At least annually, the Company compares actual and   
projected experience against the experience assumed in the then-current         
dividend scales. Dividend scales are adjusted periodically to give effect to    
changes in experience.                                                          

The closed block assets, the cash flows generated by the closed block assets
and the anticipated revenues from the policies in the closed block will benefit 
only the holders of the policies in the closed block. To the extent that, over  
time, cash flows from the assets allocated to the closed block and claims and   
other experience related to the closed block are, in the aggregate, more or     
less favorable than what was assumed when the closed block was established,     
total dividends paid to closed block policyholders in the future may be greater 
than or less than the total dividends that would have been paid to these        
policyholders if the policyholder dividend scales in effect for 1999 had been   
continued. Any cash flows in excess of amounts assumed will be available for    
distribution over time to closed block policyholders and will not be available  
to stockholders. If the closed block has insufficient funds to make guaranteed  
policy benefit payments, such payments will be made from assets outside of the  
closed block. The closed block will continue in effect as long as any policy in 
the closed block remains in-force. The expected life of the closed block is     
over 100 years from the Demutualization Date.                                   

The Company uses the same accounting principles to account for the          
participating policies included in the closed block as it used prior to the     
Demutualization Date. However, the Company establishes a policyholder dividend  
obligation for earnings that will be paid to policyholders as additional        
dividends as described below. The excess of closed block liabilities over       
closed block assets at the Demutualization Date (adjusted to eliminate the      
impact of related amounts in AOCI) represents the estimated maximum future      
earnings from the closed block expected to result from operations attributed to 
the closed block after income taxes. Earnings of the closed block are           
recognized in income over the period the policies and contracts in the closed   
block remain in-force. Management believes that over time the actual cumulative 
earnings of the closed block will approximately equal the expected cumulative   
earnings due to the effect of dividend changes. If, over the period the closed  
block remains in existence, the actual cumulative earnings of the closed block  
are greater than the expected cumulative earnings of the closed block, the      
Company will pay the excess to closed block policyholders as additional         
policyholder dividends unless offset by future unfavorable experience of the    
closed block and, accordingly, will recognize only the expected cumulative      
earnings in income with the excess recorded as a policyholder dividend          
obligation. If over such period, the actual cumulative earnings of the closed   
block are less than the expected cumulative earnings of the closed block, the   
Company will recognize only the actual earnings in income. However, the Company 
may change policyholder dividend scales in the future, which would be intended  
to increase future actual earnings until the actual cumulative earnings equal   
the expected cumulative earnings.                                               

Experience within the closed block, in particular mortality and investment  
yields, as well as realized and unrealized gains and losses, directly impact    
the policyholder dividend obligation. Amortization of the closed block DAC,     
which resides outside of the closed block, is based upon cumulative actual and  
expected earnings within the closed block. Accordingly, the Company's net       
income continues to be sensitive to the actual performance of the closed block. 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

7. Closed Block (continued)                                                     

Closed block assets, liabilities, revenues and expenses are combined on a   
line-by-line basis with the assets, liabilities, revenues and expenses outside  
the closed block based on the nature of the particular item.                    

Information regarding the closed block liabilities and assets designated to 
the closed block was as follows at:                                             

                                                        [Enlarge/Download Table]

                                                                                             December 31,          
                                                                                     ----------------------------- 
                                                                                          2017            2016     
                                                                                     --------------  --------------
                                                                                             (In millions)         
                                                                                                                   
Closed Block Liabilities                                                                                           
Future policy benefits..............................................................  $      40,463   $      40,834
Other policy-related balances.......................................................            222             257
Policyholder dividends payable......................................................            437             443
Policyholder dividend obligation....................................................          2,121           1,931
Current income tax payable..........................................................             --               4
Other liabilities...................................................................            212             196
                                                                                     --------------  --------------
  Total closed block liabilities....................................................         43,455          43,665
                                                                                     --------------  --------------
Assets Designated to the Closed Block                                                                              
Investments:                                                                                                       
Fixed maturity securities available-for-sale, at estimated fair value...............         27,904          27,220
Equity securities available-for-sale, at estimated fair value.......................             70             100
Mortgage loans......................................................................          5,878           5,935
Policy loans........................................................................          4,548           4,553
Real estate and real estate joint ventures..........................................            613             655
Other invested assets...............................................................            731           1,246
                                                                                     --------------  --------------
  Total investments.................................................................         39,744          39,709
Accrued investment income...........................................................            477             467
Premiums, reinsurance and other receivables; cash and cash equivalents..............             14              86
Current income tax recoverable......................................................             35              --
Deferred income tax assets..........................................................             36             177
                                                                                     --------------  --------------
  Total assets designated to the closed block.......................................         40,306          40,439
                                                                                     --------------  --------------
  Excess of closed block liabilities over assets designated to the closed block.....          3,149           3,226
                                                                                     --------------  --------------
Amounts included in AOCI:                                                                                          
Unrealized investment gains (losses), net of income tax.............................          1,863           1,517
Unrealized gains (losses) on derivatives, net of income tax.........................            (7)              95
Allocated to policyholder dividend obligation, net of income tax....................        (1,379)         (1,255)
                                                                                     --------------  --------------
  Total amounts included in AOCI....................................................            477             357
                                                                                     --------------  --------------
  Maximum future earnings to be recognized from closed block assets and liabilities.  $       3,626   $       3,583
                                                                                     ==============  ==============

Information regarding the closed block policyholder dividend obligation was 
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                                       Years Ended December 31,        
                                                               ----------------------------------------
                                                                   2017          2016          2015    
                                                               ------------- ------------- ------------
                                                                            (In millions)              
                                                                                                       
Balance at January 1,.........................................  $      1,931  $      1,783  $     3,155
Change in unrealized investment and derivative gains (losses).           190           148      (1,372)
                                                               ------------- ------------- ------------
Balance at December 31,.......................................  $      2,121  $      1,931  $     1,783
                                                               ============= ============= ============

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

7. Closed Block (continued)                                                     

  Information regarding the closed block revenues and expenses was as follows:

                                                        [Enlarge/Download Table]

                                                                                       Years Ended December 31,         
                                                                               ---------------------------------------- 
                                                                                   2017          2016          2015     
                                                                               ------------  ------------  ------------ 
                                                                                             (In millions)              
                                                                                                                        
Revenues                                                                                                                
Premiums...................................................................... $      1,736  $      1,804  $      1,850 
Net investment income.........................................................        1,818         1,902         1,982 
Net investment gains (losses).................................................            1           (10)          (23)
Net derivative gains (losses).................................................          (32)           25            27 
                                                                               ------------  ------------  ------------ 
  Total revenues..............................................................        3,523         3,721         3,836 
                                                                               ------------  ------------  ------------ 
Expenses                                                                                                                
Policyholder benefits and claims..............................................        2,453         2,563         2,564 
Policyholder dividends........................................................          976           953         1,015 
Other expenses................................................................          125           133           143 
                                                                               ------------  ------------  ------------ 
  Total expenses..............................................................        3,554         3,649         3,722 
                                                                               ------------  ------------  ------------ 
  Revenues, net of expenses before provision for income tax expense (benefit).          (31)           72           114 
Provision for income tax expense (benefit)....................................           12            24            41 
                                                                               ------------  ------------  ------------ 
  Revenues, net of expenses and provision for income tax expense (benefit).... $        (43) $         48  $         73 
                                                                               ============  ============  ============ 

Metropolitan Life Insurance Company charges the closed block with federal   
income taxes, state and local premium taxes and other state or local taxes, as  
well as investment management expenses relating to the closed block as provided 
in the Plan of Reorganization. Metropolitan Life Insurance Company also charges 
the closed block for expenses of maintaining the policies included in the       
closed block.                                                                   

8. Investments                                                                  

See Note 10 for information about the fair value hierarchy for investments  
and the related valuation methodologies.                                        

Investment Risks and Uncertainties                                              

Investments are exposed to the following primary sources of risk: credit,   
interest rate, liquidity, market valuation, currency and real estate risk. The  
financial statement risks, stemming from such investment risks, are those       
associated with the determination of estimated fair values, the diminished      
ability to sell certain investments in times of strained market conditions, the 
recognition of impairments, the recognition of income on certain investments    
and the potential consolidation of VIEs. The use of different methodologies,    
assumptions and inputs relating to these financial statement risks may have a   
material effect on the amounts presented within the consolidated financial      
statements.                                                                     

The determination of valuation allowances and impairments is highly         
subjective and is based upon periodic evaluations and assessments of known and  
inherent risks associated with the respective asset class. Such evaluations and 
assessments are revised as conditions change and new information becomes        
available.                                                                      

 The recognition of income on certain investments (e.g. structured securities,
including mortgage-backed securities, asset-backed securities ("ABS") and       
certain structured investment transactions) is dependent upon certain factors   
such as prepayments and defaults, and changes in such factors could result in   
changes in amounts to be earned.                                                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Fixed Maturity and Equity Securities AFS                                        

Fixed Maturity and Equity Securities AFS by Sector                          

 The following table presents the fixed maturity and equity securities AFS
by sector. Redeemable preferred stock is reported within U.S. corporate and 
foreign corporate fixed maturity securities and non-redeemable preferred    
stock is reported within equity securities. Included within fixed maturity  
securities are structured securities including RMBS, ABS and commercial     
mortgage-backed securities ("CMBS") (collectively, "Structured Securities").

                                                        [Enlarge/Download Table]

                                       December 31, 2017                                    December 31, 2016                  
                      ---------------------------------------------------- ----------------------------------------------------
                                        Gross Unrealized                                     Gross Unrealized                  
                       Cost or   -----------------------------  Estimated   Cost or   -----------------------------  Estimated 
                      Amortized            Temporary    OTTI      Fair     Amortized            Temporary    OTTI      Fair    
                        Cost       Gains    Losses   Losses (1)   Value      Cost       Gains    Losses   Losses (1)   Value   
                      ---------- --------- --------- ---------- ---------- ---------- --------- --------- ---------- ----------
                                                                    (In millions)                                              
                                                                                                                               
Fixed maturity securities:                                                                                                     
U.S. corporate.......  $  53,291  $  5,037  $   238    $   --    $  58,090  $  52,665  $  4,079  $   586    $   --    $  56,158
U.S. government and                                                                                                            
 agency..............     35,021     3,755      231        --       38,545     32,834     3,238      457        --       35,615
Foreign corporate....     24,367     1,655      426        --       25,596     24,596       957    1,196        --       24,357
RMBS.................     21,735     1,039      181       (41)      22,634     22,786       911      290       (10)      23,417
ABS..................      7,808        73       15        --        7,866      7,567        32       95        --        7,504
State and political                                                                                                            
 subdivision.........      6,310     1,245        3         1        7,551      6,252       928       44        --        7,136
CMBS.................      5,390       124       26        --        5,488      4,876       118       59        --        4,935
Foreign government...      3,887       641       26        --        4,502      3,565       507       74        --        3,998
                      ---------- --------- --------   -------   ---------- ---------- --------- --------   -------   ----------
 Total fixed                                                                                                                   
   maturity                                                                                                                    
   securities........  $ 157,809  $ 13,569  $ 1,146    $  (40)   $ 170,272  $ 155,141  $ 10,770  $ 2,801    $  (10)   $ 163,120
                      ========== ========= ========   =======   ========== ========== ========= ========   =======   ==========
Equity securities:                                                                                                             
Common stock.........  $   1,190  $     75  $    14    $   --    $   1,251  $   1,220  $     91  $    12    $   --    $   1,299
Non-redeemable                                                                                                                 
 preferred stock.....        389        21        3        --          407        565        14       39        --          540
                      ---------- --------- --------   -------   ---------- ---------- --------- --------   -------   ----------
 Total equity                                                                                                                  
   securities........  $   1,579  $     96  $    17    $   --    $   1,658  $   1,785  $    105  $    51    $   --    $   1,839
                      ========== ========= ========   =======   ========== ========== ========= ========   =======   ==========

--------                                                                        

(1) Noncredit OTTI losses included in AOCI in an unrealized gain position are   
  due to increases in estimated fair value subsequent to initial recognition
of noncredit losses on such securities. See also "-- Net Unrealized     
Investment Gains (Losses)."                                             

The Company held non-income producing fixed maturity securities with an 
estimated fair value of $4 million and less than $1 million with unrealized 
gains (losses) of ($3) million and less than $1 million at December 31, 2017
and 2016, respectively.                                                     

Methodology for Amortization of Premium and Accretion of Discount on        
Structured Securities                                                           

  Amortization of premium and accretion of discount on Structured Securities
considers the estimated timing and amount of prepayments of the underlying  
loans. Actual prepayment experience is periodically reviewed and effective  
yields are recalculated when differences arise between the originally       
anticipated and the actual prepayments received and currently anticipated.  
Prepayment assumptions for Structured Securities are estimated using inputs 
obtained from third-party specialists and based on management's knowledge of
the current market. For credit-sensitive Structured Securities and certain  
prepayment-sensitive securities, the effective yield is recalculated on a   
prospective basis. For all other Structured Securities, the effective yield 
is recalculated on a retrospective basis.                                   

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Maturities of Fixed Maturity Securities                                     

 The amortized cost and estimated fair value of fixed maturity securities,
by contractual maturity date, were as follows at December 31, 2017:         

                                                        [Enlarge/Download Table]

                                                 Due After Five                                     
                                   Due After One     Years                               Total Fixed
                       Due in One  Year Through   Through Ten   Due After Ten Structured  Maturity  
                      Year or Less  Five Years       Years          Years     Securities Securities 
                      ------------ ------------- -------------- ------------- ---------- -----------
                                                      (In millions)                                 
                                                                                                    
Amortized cost.......   $  6,372     $  34,198     $  30,434      $  51,872   $  34,933  $  157,809 
Estimated fair value.   $  6,362     $  35,197     $  32,042      $  60,683   $  35,988  $  170,272 

Actual maturities may differ from contractual maturities due to the     
exercise of call or prepayment options. Fixed maturity securities not due at
a single maturity date have been presented in the year of final contractual 
maturity. Structured Securities are shown separately, as they are not due at
a single maturity.                                                          

Continuous Gross Unrealized Losses for Fixed Maturity and Equity Securities 
AFS by Sector                                                                   

  The following table presents the estimated fair value and gross unrealized
losses of fixed maturity and equity securities AFS in an unrealized loss    
 position, aggregated by sector and by length of time that the securities have
been in a continuous unrealized loss position at:                           

                                                        [Enlarge/Download Table]

                                                December 31, 2017                           December 31, 2016             
                                   ------------------------------------------- -------------------------------------------
                                                          Equal to or Greater                         Equal to or Greater 
                                    Less than 12 Months     than 12 Months      Less than 12 Months     than 12 Months    
                                   --------------------- --------------------- --------------------- ---------------------
                                   Estimated    Gross    Estimated    Gross    Estimated    Gross    Estimated    Gross   
                                     Fair     Unrealized   Fair     Unrealized   Fair     Unrealized   Fair     Unrealized
                                     Value      Losses     Value      Losses     Value      Losses     Value      Losses  
                                   ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                                    (Dollars in millions)                                 
                                                                                                                          
Fixed maturity securities:                                                                                                
U.S. corporate....................  $   3,727   $   57    $   2,523   $  181    $   8,406  $    337   $   2,260  $    249 
U.S. government and agency........     13,905       76        3,018      155        6,032       457          --        -- 
Foreign corporate.................      1,677       43        3,912      383        5,343       336       4,523       860 
RMBS..............................      3,673       30        3,332      110        6,662       187       1,707        93 
ABS...............................        732        3          358       12        1,482        12       1,714        83 
State and political subdivision...        106        1          120        3          943        43          17         1 
CMBS..............................        844        6          193       20          922        15         432        44 
Foreign government................        247        6          265       20          581        26         309        48 
                                   ----------  -------   ----------  -------   ---------- ---------  ---------- --------- 
  Total fixed maturity securities.  $  24,911   $  222    $  13,721   $  884    $  30,371  $  1,413   $  10,962  $  1,378 
                                   ==========  =======   ==========  =======   ========== =========  ========== ========= 
Equity securities:                                                                                                        
Common stock......................  $      88   $   14    $       2   $   --    $      58  $     12   $      10  $     -- 
Non-redeemable preferred stock....         42       --           41        3          139         6         120        33 
                                   ----------  -------   ----------  -------   ---------- ---------  ---------- --------- 
  Total equity securities.........  $     130   $   14    $      43   $    3    $     197  $     18   $     130  $     33 
                                   ==========  =======   ==========  =======   ========== =========  ========== ========= 
Total number of securities in an                                                                                          
 unrealized loss position.........      1,327                 1,108                 3,076                   940           
                                   ==========            ==========            ==========            ==========           

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

 Evaluation of AFS Securities for OTTI and Evaluating Temporarily Impaired AFS
Securities                                                                      

Evaluation and Measurement Methodologies                                  

    Management considers a wide range of factors about the security issuer and
uses its best judgment in evaluating the cause of the decline in the      
estimated fair value of the security and in assessing the prospects for   
 near-term recovery. Inherent in management's evaluation of the security are
 assumptions and estimates about the operations of the issuer and its future
  earnings potential. Considerations used in the impairment evaluation process
include, but are not limited to: (i) the length of time and the extent to 
which the estimated fair value has been below cost or amortized cost;     
(ii) the potential for impairments when the issuer is experiencing        
significant financial difficulties; (iii) the potential for impairments in
 an entire industry sector or sub-sector; (iv) the potential for impairments
in certain economically depressed geographic locations; (v) the potential 
  for impairments where the issuer, series of issuers or industry has suffered
  a catastrophic loss or has exhausted natural resources; (vi) with respect to
fixed maturity securities, whether the Company has the intent to sell or  
will more likely than not be required to sell a particular security before
the decline in estimated fair value below amortized cost recovers;        
(vii) with respect to Structured Securities, changes in forecasted cash   
flows after considering the quality of underlying collateral, expected    
prepayment speeds, current and forecasted loss severity, consideration of 
the payment terms of the underlying assets backing a particular security, 
and the payment priority within the tranche structure of the security;    
 (viii) the potential for impairments due to weakening of foreign currencies
on non-functional currency denominated fixed maturity securities that are 
near maturity; and (ix) other subjective factors, including concentrations
and information obtained from regulators and rating agencies.             

The methodology and significant inputs used to determine the amount of
credit loss on fixed maturity securities are as follows:                  

 .   The Company calculates the recovery value by performing a discounted cash
flow analysis based on the present value of future cash flows. The  
  discount rate is generally the effective interest rate of the security
prior to impairment.                                                

.   When determining collectability and the period over which value is      
   expected to recover, the Company applies considerations utilized in its
overall impairment evaluation process which incorporates information
regarding the specific security, fundamentals of the industry and   
geographic area in which the security issuer operates, and overall  
     macroeconomic conditions. Projected future cash flows are estimated using
assumptions derived from management's best estimates of likely      
scenario-based outcomes after giving consideration to a variety of  
variables that include, but are not limited to: payment terms of the
 security; the likelihood that the issuer can service the interest and
  principal payments; the quality and amount of any credit enhancements;
the security's position within the capital structure of the issuer; 
possible corporate restructurings or asset sales by the issuer; and 
   changes to the rating of the security or the issuer by rating agencies.

.  Additional considerations are made when assessing the unique features
    that apply to certain Structured Securities including, but not limited
   to: the quality of underlying collateral, expected prepayment speeds,
      current and forecasted loss severity, consideration of the payment terms
      of the underlying loans or assets backing a particular security, and the
payment priority within the tranche structure of the security.    

.   When determining the amount of the credit loss for U.S. and foreign     
corporate securities, foreign government securities and state and   
    political subdivision securities, the estimated fair value is considered
the recovery value when available information does not indicate that
  another value is more appropriate. When information is identified that
  indicates a recovery value other than estimated fair value, management
    considers in the determination of recovery value the same considerations
     utilized in its overall impairment evaluation process as described above,
 as well as any private and public sector programs to restructure such
securities.                                                         

With respect to securities that have attributes of debt and           
equity ("perpetual hybrid securities"), consideration is given in the OTTI
  analysis as to whether there has been any deterioration in the credit of the
  issuer and the likelihood of recovery in value of the securities that are in
 a severe and extended unrealized loss position. Consideration is also given
as to whether any perpetual hybrid securities, with an unrealized loss,   
regardless of credit rating, have deferred any dividend payments. When an 
OTTI loss has occurred, the OTTI loss is the entire difference between the
perpetual hybrid security's cost and its estimated fair value with a      
corresponding charge to earnings.                                         

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

The cost or amortized cost of fixed maturity and equity securities is 
adjusted for OTTI in the period in which the determination is made. The   
 Company does not change the revised cost basis for subsequent recoveries in
value.                                                                    

In periods subsequent to the recognition of OTTI on a fixed maturity  
security, the Company accounts for the impaired security as if it had been
purchased on the measurement date of the impairment. Accordingly, the     
discount (or reduced premium) based on the new cost basis is accreted over
the remaining term of the fixed maturity security in a prospective manner 
based on the amount and timing of estimated future cash flows.            

Current Period Evaluation                                                 

Based on the Company's current evaluation of its AFS securities in an 
unrealized loss position in accordance with its impairment policy, and the
Company's current intentions and assessments (as applicable to the type of
security) about holding, selling and any requirements to sell these       
securities, the Company concluded that these securities were not          
other-than-temporarily impaired at December 31, 2017. Future OTTI will    
depend primarily on economic fundamentals, issuer performance (including  
  changes in the present value of future cash flows expected to be collected),
changes in credit ratings, collateral valuation, interest rates and credit
spreads. If economic fundamentals deteriorate or if there are adverse     
changes in the above factors, OTTI may be incurred in upcoming periods.   

Gross unrealized losses on fixed maturity securities decreased        
$1.7 billion during the year ended December 31, 2017 to $1.1 billion. The 
  decrease in gross unrealized losses for the year ended December 31, 2017 was
  primarily attributable to narrowing credit spreads and strengthening foreign
  currencies on non-functional currency denominated fixed maturity securities.

At December 31, 2017, $109 million of the total $1.1 billion of gross 
 unrealized losses were from 24 fixed maturity securities with an unrealized
loss position of 20% or more of amortized cost for six months or greater. 

   Gross unrealized losses on equity securities decreased $34 million during
the year ended December 31, 2017 to $17 million.                          

Investment Grade Fixed Maturity Securities                                

Of the $109 million of gross unrealized losses on fixed maturity      
 securities with an unrealized loss of 20% or more of amortized cost for six
months or greater, $68 million, or 62%, were related to gross unrealized  
losses on 10 investment grade fixed maturity securities. Unrealized losses
on investment grade fixed maturity securities are principally related to  
  widening credit spreads since purchase and, with respect to fixed-rate fixed
maturity securities, rising interest rates since purchase.                

Below Investment Grade Fixed Maturity Securities                          

Of the $109 million of gross unrealized losses on fixed maturity      
 securities with an unrealized loss of 20% or more of amortized cost for six
months or greater, $41 million, or 38%, were related to gross unrealized  
losses on 14 below investment grade fixed maturity securities. Unrealized 
losses on below investment grade fixed maturity securities are principally
related to U.S. and foreign corporate securities (primarily industrial and
utility securities) and CMBS and are the result of significantly wider    
credit spreads resulting from higher risk premiums since purchase, largely
due to economic and market uncertainty including concerns over lower oil  
  prices in the energy sector. Management evaluates U.S. and foreign corporate
securities based on factors such as expected cash flows and the financial 
  condition and near-term and long-term prospects of the issuers and evaluates
 CMBS based on actual and projected cash flows after considering the quality
  of underlying collateral, expected prepayment speeds, current and forecasted
loss severity, the payment terms of the underlying assets backing a       
  particular security and the payment priority within the tranche structure of
the security.                                                             

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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Mortgage Loans                                                                  

Mortgage Loans by Portfolio Segment                                         

Mortgage loans are summarized as follows at:                            

                                                                [Download Table]

                                                 December 31,                  
                                -----------------------------------------------
                                         2017                    2016          
                                ----------------------- -----------------------
                                  Carrying     % of       Carrying     % of    
                                   Value       Total       Value       Total   
                                ------------ ---------- ------------ ----------
                                             (Dollars in millions)             
                                                                               
Mortgage loans:                                                                
Commercial.....................  $    35,440      60.6%  $    34,008      60.1%
Agricultural...................       12,712       21.8       12,358       21.9
Residential....................       10,058       17.2        9,895       17.5
                                ------------ ---------- ------------ ----------
  Subtotal (1).................       58,210       99.6       56,261       99.5
Valuation allowances...........        (271)      (0.5)        (267)      (0.5)
                                ------------ ---------- ------------ ----------
  Subtotal mortgage loans, net.       57,939       99.1       55,994       99.0
Residential -- FVO.............          520        0.9          566        1.0
                                ------------ ---------- ------------ ----------
  Total mortgage loans, net....  $    58,459     100.0%  $    56,560     100.0%
                                ============ ========== ============ ==========

--------                                                                        

(1)Purchases of mortgage loans, primarily residential, were $3.1 billion
and $2.9 billion for the years ended December 31, 2017 and 2016,  
respectively.                                                     

The Company originates and acquires unaffiliated mortgage loans and     
simultaneously sells a portion to affiliates under master participation     
agreements. The aggregate amount of unaffiliated mortgage loan participation
interests sold by the Company to affiliates during the years ended          
December 31, 2017, 2016 and 2015 were $2.5 billion, $3.6 billion and        
$3.0 billion, respectively. In connection with the mortgage loan            
participations, the Company collected mortgage loan principal and interest  
payments from unaffiliated borrowers on behalf of affiliates and remitted   
such receipts to the affiliates in the amount of $1.8 billion, $2.1 billion 
and $1.8 billion during the years ended December 31, 2017, 2016 and 2015,   
respectively.                                                               

 Information on commercial, agricultural and residential mortgage loans is
 presented in the tables below. Information on residential -- FVO is presented
 in Note 10. The Company elects the FVO for certain residential mortgage loans
that are managed on a total return basis.                                   

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Mortgage Loans, Valuation Allowance and Impaired Loans by Portfolio Segment 

Mortgage loans by portfolio segment, by method of evaluation of credit  
loss, impaired mortgage loans including those modified in a troubled debt   
restructuring, and the related valuation allowances, were as follows at and 
for the years ended:                                                        

                                                        [Enlarge/Download Table]

                                                                             Evaluated Collectively for       Impaired       
                           Evaluated Individually for Credit Losses                Credit Losses                Loans        
                   --------------------------------------------------------  -------------------------- ---------------------
                        Impaired Loans with a       Impaired Loans without a                                                 
                         Valuation Allowance          Valuation Allowance                                                    
                   -------------------------------- -----------------------                                                  
                    Unpaid                            Unpaid                                                        Average  
                   Principal   Recorded  Valuation   Principal    Recorded      Recorded    Valuation    Carrying   Recorded 
                    Balance   Investment Allowances   Balance    Investment    Investment   Allowances    Value    Investment
                   ---------- ---------- ---------- -----------  ----------- -------------- ----------- ---------- ----------
                                                                 (In millions)                                               
                                                                                                                             
December 31, 2017                                                                                                            
Commercial........  $      --  $     --   $     --   $       --   $       --  $      35,440  $      173  $      --  $      5 
Agricultural......         22        21          2           27           27         12,664          38         46        32 
Residential.......         --        --         --          358          324          9,734          58        324       285 
                   ---------- ---------  ---------  -----------  ----------- -------------- ----------- ---------- --------- 
  Total...........  $      22  $     21   $      2   $      385   $      351  $      57,838  $      269  $     370  $    322 
                   ========== =========  =========  ===========  =========== ============== =========== ========== ========= 
December 31, 2016                                                                                                            
Commercial........  $      --  $     --   $     --   $       12   $       12  $      33,996  $      167  $      12  $     30 
Agricultural......         11         9          1           27           27         12,322          37         35        49 
Residential.......         --        --         --          265          241          9,654          62        241       188 
                   ---------- ---------  ---------  -----------  ----------- -------------- ----------- ---------- --------- 
  Total...........  $      11  $      9   $      1   $      304   $      280  $      55,972  $      266  $     288  $    267 
                   ========== =========  =========  ===========  =========== ============== =========== ========== ========= 

 The average recorded investment for impaired commercial, agricultural and
residential mortgage loans was $120 million, $60 million and $84 million,   
respectively, for the year ended December 31, 2015.                         

Valuation Allowance Rollforward by Portfolio Segment                        

The changes in the valuation allowance, by portfolio segment, were as   
follows:                                                                    

                                                        [Enlarge/Download Table]

                                  Commercial    Agricultural   Residential      Total     
                                --------------  ------------- ------------- --------------
                                                      (In millions)                       
                                                                                          
Balance at January 1, 2015.....  $         182   $         35  $         41  $         258
Provision (release)............              2              2            30             34
Charge-offs, net of recoveries.            (19)            --          (16)           (35)
                                --------------  ------------- ------------- --------------
Balance at December 31, 2015...            165             37            55            257
Provision (release)............              6              1            23             30
Charge-offs, net of recoveries.             --             --          (16)           (16)
Dispositions (1)...............            (4)             --            --            (4)
                                --------------  ------------- ------------- --------------
Balance at December 31, 2016...            167             38            62            267
Provision (release)............              6              4             8             18
Charge-offs, net of recoveries.             --            (2)          (12)           (14)
                                --------------  ------------- ------------- --------------
Balance at December 31, 2017...  $         173   $         40  $         58  $         271
                                ==============  ============= ============= ==============

--------                                                                        
(1) See Note 3.                                                                 

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Valuation Allowance Methodology                                           

Mortgage loans are considered to be impaired when it is probable that,
based upon current information and events, the Company will be unable to  
collect all amounts due under the loan agreement. Specific valuation      
allowances are established using the same methodology for all three       
portfolio segments as the excess carrying value of a loan over either     
  (i) the present value of expected future cash flows discounted at the loan's
original effective interest rate, (ii) the estimated fair value of the    
  loan's underlying collateral if the loan is in the process of foreclosure or
  otherwise collateral dependent, or (iii) the loan's observable market price.
A common evaluation framework is used for establishing non-specific       
valuation allowances for all loan portfolio segments; however, a separate 
 non-specific valuation allowance is calculated and maintained for each loan
portfolio segment that is based on inputs unique to each loan portfolio   
segment. Non-specific valuation allowances are established for pools of   
loans with similar risk characteristics where a property-specific or      
market-specific risk has not been identified, but for which the Company   
expects to incur a credit loss. These evaluations are based upon several  
 loan portfolio segment-specific factors, including the Company's experience
  for loan losses, defaults and loss severity, and loss expectations for loans
with similar risk characteristics. These evaluations are revised as       
conditions change and new information becomes available.                  

Commercial and Agricultural Mortgage Loan Portfolio Segments              

The Company typically uses several years of historical experience in  
establishing non-specific valuation allowances which capture multiple     
economic cycles. For evaluations of commercial mortgage loans, in addition
to historical experience, management considers factors that include the   
impact of a rapid change to the economy, which may not be reflected in the
  loan portfolio, and recent loss and recovery trend experience as compared to
historical loss and recovery experience. For evaluations of agricultural  
mortgage loans, in addition to historical experience, management considers
factors that include increased stress in certain sectors, which may be    
evidenced by higher delinquency rates, or a change in the number of higher
risk loans. On a quarterly basis, management incorporates the impact of   
these current market events and conditions on historical experience in    
 determining the non-specific valuation allowance established for commercial
and agricultural mortgage loans.                                          

  All commercial mortgage loans are reviewed on an ongoing basis which may
include an analysis of the property financial statements and rent roll,   
lease rollover analysis, property inspections, market analysis, estimated 
 valuations of the underlying collateral, loan-to-value ratios, debt service
  coverage ratios, and tenant creditworthiness. The monitoring process focuses
on higher risk loans, which include those that are classified as          
restructured, delinquent or in foreclosure, as well as loans with higher  
loan-to-value ratios and lower debt service coverage ratios. All          
agricultural mortgage loans are monitored on an ongoing basis. The        
monitoring process for agricultural mortgage loans is generally similar to
  the commercial mortgage loan monitoring process, with a focus on higher risk
loans, including reviews on a geographic and property-type basis. Higher  
risk loans are reviewed individually on an ongoing basis for potential    
credit loss and specific valuation allowances are established using the   
 methodology described above. Quarterly, the remaining loans are reviewed on
a pool basis by aggregating groups of loans that have similar risk        
characteristics for potential credit loss, and non-specific valuation     
allowances are established as described above using inputs that are unique
to each segment of the loan portfolio.                                    

    For commercial mortgage loans, the primary credit quality indicator is the
debt service coverage ratio, which compares a property's net operating    
  income to amounts needed to service the principal and interest due under the
loan. Generally, the lower the debt service coverage ratio, the higher the
risk of experiencing a credit loss. The Company also reviews the          
  loan-to-value ratio of its commercial mortgage loan portfolio. Loan-to-value
ratios compare the unpaid principal balance of the loan to the estimated  
fair value of the underlying collateral. Generally, the higher the        
 loan-to-value ratio, the higher the risk of experiencing a credit loss. The
  debt service coverage ratio and the values utilized in calculating the ratio
are updated annually on a rolling basis, with a portion of the portfolio  
updated each quarter. In addition, the loan-to-value ratio is routinely   
updated for all but the lowest risk loans as part of the Company's ongoing
review of its commercial mortgage loan portfolio.                         

For agricultural mortgage loans, the Company's primary credit quality 
indicator is the loan-to-value ratio. The values utilized in calculating  
this ratio are developed in connection with the ongoing review of the     
agricultural mortgage loan portfolio and are routinely updated.           

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Residential Mortgage Loan Portfolio Segment                               

  The Company's residential mortgage loan portfolio is comprised primarily
of closed end, amortizing residential mortgage loans. For evaluations of  
residential mortgage loans, the key inputs of expected frequency and      
expected loss reflect current market conditions, with expected frequency  
adjusted, when appropriate, for differences from market conditions and the
Company's historical experience. In contrast to the commercial and        
agricultural mortgage loan portfolios, residential mortgage loans are     
smaller-balance homogeneous loans that are collectively evaluated for     
impairment. Non-specific valuation allowances are established using the   
evaluation framework described above for pools of loans with similar risk 
characteristics from inputs that are unique to the residential segment of 
 the loan portfolio. Loan specific valuation allowances are only established
on residential mortgage loans when they have been restructured and are    
established using the methodology described above for all loan portfolio  
segments.                                                                 

For residential mortgage loans, the Company's primary credit quality  
indicator is whether the loan is performing or nonperforming. The Company 
  generally defines nonperforming residential mortgage loans as those that are
60 or more days past due and/or in nonaccrual status which is assessed    
monthly. Generally, nonperforming residential mortgage loans have a higher
risk of experiencing a credit loss.                                       

Credit Quality of Commercial Mortgage Loans                                 

The credit quality of commercial mortgage loans was as follows at:      

                                                        [Enlarge/Download Table]

                                       Recorded Investment                                                
                       ----------------------------------------------------                               
                         Debt Service Coverage Ratios                                Estimated            
                       --------------------------------                      % of      Fair        % of   
                        > 1.20x      1.00x - 1.20x < 1.00x      Total        Total     Value       Total  
                       ----------    ------------- -------    ----------    -------- ----------  ---------
                                                 (Dollars in millions)                                    
                                                                                                          
December 31, 2017                                                                                         
Loan-to-value ratios:                                                                                     
Less than 65%......... $   29,346      $   1,359   $   198    $   30,903       87.2% $   31,563      87.5%
65% to 75%............      3,245             95       114         3,454         9.7      3,465        9.6
76% to 80%............        149            171        57           377         1.1        363        1.0
Greater than 80%......        400            159       147           706         2.0        665        1.9
                       ----------      ---------   -------    ----------    -------- ----------  ---------
  Total............... $   33,140      $   1,784   $   516    $   35,440      100.0% $   36,056     100.0%
                       ==========      =========   =======    ==========    ======== ==========  =========
December 31, 2016                                                                                         
Loan-to-value ratios:                                                                                     
Less than 65%......... $   29,352      $   1,036   $   564    $   30,952       91.0% $   31,320      91.2%
65% to 75%............      2,522             --       198         2,720         8.0      2,694        7.9
76% to 80%............        116             --        --           116         0.3        115        0.3
Greater than 80%......        118             27        75           220         0.7        214        0.6
                       ----------      ---------   -------    ----------    -------- ----------  ---------
  Total............... $   32,108      $   1,063   $   837    $   34,008      100.0% $   34,343     100.0%
                       ==========      =========   =======    ==========    ======== ==========  =========

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Credit Quality of Agricultural Mortgage Loans                               

The credit quality of agricultural mortgage loans was as follows at:    

                                                                [Download Table]

                                          December 31,                    
                       ---------------------------------------------------
                                 2017                      2016           
                       ------------------------- -------------------------
                         Recorded       % of       Recorded       % of    
                        Investment      Total     Investment      Total   
                       ------------- ----------- ------------- -----------
                                      (Dollars in millions)               
                                                                          
Loan-to-value ratios:                                                     
Less than 65%......... $      12,082       95.0% $      11,829       95.7%
65% to 75%............           581         4.6           424         3.4
76% to 80%............            40         0.3            17         0.2
Greater than 80%......             9         0.1            88         0.7
                       ------------- ----------- ------------- -----------
  Total............... $      12,712      100.0% $      12,358      100.0%
                       ============= =========== ============= ===========

 The estimated fair value of agricultural mortgage loans was $12.8 billion
and $12.5 billion at December 31, 2017 and 2016, respectively.              

Credit Quality of Residential Mortgage Loans                                

The credit quality of residential mortgage loans was as follows at:     

                                                                [Download Table]

                                             December 31,                    
                         ----------------------------------------------------
                                    2017                      2016           
                         -------------------------- -------------------------
                            Recorded       % of       Recorded       % of    
                           Investment      Total     Investment      Total   
                         -------------- ----------- ------------- -----------
                                        (Dollars in millions)                
                                                                             
Performance indicators:                                                      
Performing..............  $       9,614       95.6%  $      9,563       96.6%
Nonperforming...........            444         4.4           332         3.4
                         -------------- ----------- ------------- -----------
  Total.................  $      10,058      100.0%  $      9,895      100.0%
                         ============== =========== ============= ===========

The estimated fair value of residential mortgage loans was            
  $10.6 billion and $10.3 billion at December 31, 2017 and 2016, respectively.

Past Due and Nonaccrual Mortgage Loans                                      

    The Company has a high quality, well performing mortgage loan portfolio,
  with 99% of all mortgage loans classified as performing at both December 31,
2017 and 2016. The Company defines delinquency consistent with industry   
practice, when mortgage loans are past due as follows: commercial and     
 residential mortgage loans -- 60 days and agricultural mortgage loans -- 90
days. The past due and nonaccrual mortgage loans at recorded investment,  
prior to valuation allowances, by portfolio segment, were as follows at:  

                                                        [Enlarge/Download Table]

                                                   Greater than 90 Days Past Due and                                     
                           Past Due                     Still Accruing Interest                   Nonaccrual             
              ----------------------------------- ----------------------------------- -----------------------------------
              December 31, 2017 December 31, 2016 December 31, 2017 December 31, 2016 December 31, 2017 December 31, 2016
              ----------------- ----------------- ----------------- ----------------- ----------------- -----------------
                                                             (In millions)                                               
                                                                                                                         
Commercial...        $       --        $       --        $       --        $       --        $       --        $       --
Agricultural.               134               127               125               104                36                23
Residential..               444               332                --                --               444               332
              ----------------- ----------------- ----------------- ----------------- ----------------- -----------------
   Total.....        $      578        $      459        $      125        $      104        $      480        $      355
              ================= ================= ================= ================= ================= =================

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Mortgage Loans Modified in a Troubled Debt Restructuring                    

The Company may grant concessions related to borrowers experiencing     
 financial difficulties, which are classified as troubled debt restructurings.
Generally, the types of concessions include: reduction of the contractual   
interest rate, extension of the maturity date at an interest rate lower than
current market interest rates, and/or a reduction of accrued interest. The  
amount, timing and extent of the concessions granted are considered in      
determining any impairment or changes in the specific valuation allowance   
 recorded with the restructuring. Through the continuous monitoring process, a
 specific valuation allowance may have been recorded prior to the quarter when
the mortgage loan is modified in a troubled debt restructuring.             

For the year ended December 31, 2017, the Company had 500 residential   
mortgage loans modified in a troubled debt restructuring with carrying value
after specific valuation allowance of $120 million and $108 million         
pre-modification and post-modification, respectively. For the year ended    
 December 31, 2016, the Company had 557 residential mortgage loans modified in
a troubled debt restructuring with carrying value after specific valuation  
allowance of $136 million and $122 million pre-modification and             
post-modification, respectively. For the years ended December 31, 2017 and  
2016, the Company did not have a significant amount of agricultural mortgage
loans and no commercial mortgage loans modified in a troubled debt          
restructuring.                                                              

For both the years ended December 31, 2017 and 2016, the Company did not
have a significant amount of mortgage loans modified in a troubled debt     
restructuring with subsequent payment default.                              

Other Invested Assets                                                           

Other invested assets is comprised primarily of freestanding derivatives
with positive estimated fair values (see Note 9), tax credit and renewable  
energy partnerships, loans to affiliates, annuities funding structured      
settlement claims and leveraged and direct financing leases. See "-- Related
Party Investment Transactions" for information regarding loans to affiliates
and annuities funding structured settlement claims.                         

Tax Credit Partnerships                                                     

The carrying value of tax credit partnerships was $1.8 billion and      
$1.7 billion at December 31, 2017 and 2016, respectively. Losses from tax   
credit partnerships included within net investment income were $259 million,
$166 million, and $163 million for the years ended December 31, 2017, 2016  
and 2015, respectively.                                                     

Leveraged and Direct Financing Leases                                       

Investment in leveraged and direct financing leases consisted of the    
following at:                                                               

                                                        [Enlarge/Download Table]

                                                                  December 31,                
                                                  --------------------------------------------
                                                          2017                   2016         
                                                  --------------------- ----------------------
                                                               Direct                Direct   
                                                   Leveraged  Financing  Leveraged  Financing 
                                                    Leases     Leases     Leases     Leases   
                                                  ----------- --------- ----------- ----------
                                                                 (In millions)                
                                                                                              
Rental receivables, net..........................  $      911  $    278  $    1,171  $     300
Estimated residual values........................         649        42         690         42
                                                  ----------- --------- ----------- ----------
  Subtotal.......................................       1,560       320       1,861        342
Unearned income..................................       (448)     (113)       (572)      (127)
                                                  ----------- --------- ----------- ----------
  Investment in leases, net of non-recourse debt.  $    1,112  $    207  $    1,289  $     215
                                                  =========== ========= =========== ==========

  Rental receivables are generally due in periodic installments. The payment
periods for leveraged leases generally range from one to 15 years but in    
certain circumstances can be over 25 years, while the payment periods for   
direct financing leases range from one to 20 years. For rental receivables, 
the primary credit quality indicator is whether the rental receivable is    
 performing or nonperforming, which is assessed monthly. The Company generally
defines nonperforming rental receivables as those that are 90 days or more  
past due. At December 31, 2017 and 2016, all leveraged lease receivables and
direct financing rental receivables were performing.                        

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

The deferred income tax liability related to leveraged leases was       
$875 million and $1.3 billion at December 31, 2017 and 2016, respectively.  

Cash Equivalents                                                                

The carrying value of cash equivalents, which includes securities and other 
investments with an original or remaining maturity of three months or less at   
the time of purchase, was $3.1 billion and $4.7 billion at December 31, 2017    
and 2016, respectively.                                                         

Net Unrealized Investment Gains (Losses)                                        

Unrealized investment gains (losses) on fixed maturity and equity securities
AFS and the effect on DAC, VOBA, DSI, future policy benefits and the            
policyholder dividend obligation that would result from the realization of the  
unrealized gains (losses) are included in net unrealized investment gains       
(losses) in AOCI.                                                               

The components of net unrealized investment gains (losses) included in AOCI,
were as follows:                                                                

                                                        [Enlarge/Download Table]

                                                                                           Years Ended December 31,        
                                                                                   --------------------------------------- 
                                                                                       2017          2016          2015    
                                                                                   ------------  ------------  ----------- 
                                                                                                (In millions)              
                                                                                                                           
Fixed maturity securities.........................................................  $    12,349   $     7,912   $    7,331 
Fixed maturity securities with noncredit OTTI losses included in AOCI.............           40            10          (39)
                                                                                   ------------  ------------  ----------- 
  Total fixed maturity securities.................................................       12,389         7,922        7,292 
Equity securities.................................................................          119            72           27 
Derivatives.......................................................................        1,396         2,244        2,208 
Other.............................................................................            1            16          137 
                                                                                   ------------  ------------  ----------- 
  Subtotal........................................................................       13,905        10,254        9,664 
                                                                                   ------------  ------------  ----------- 
Amounts allocated from:                                                                                                    
Future policy benefits............................................................          (19)           (9)          (7)
DAC and VOBA related to noncredit OTTI losses recognized in AOCI..................           --            (1)          -- 
DAC, VOBA and DSI.................................................................         (790)         (569)        (572)
Policyholder dividend obligation..................................................       (2,121)       (1,931)      (1,783)
                                                                                   ------------  ------------  ----------- 
  Subtotal........................................................................       (2,930)      (2,510)       (2,362)
Deferred income tax benefit (expense) related to noncredit OTTI losses                                                     
 recognized in AOCI...............................................................         (14)           (3)           14 
Deferred income tax benefit (expense).............................................       (3,704)       (2,690)      (2,542)
                                                                                   ------------  ------------  ----------- 
  Net unrealized investment gains (losses)........................................        7,257         5,051        4,774 
Net unrealized investment gains (losses) attributable to noncontrolling interests.           --            --           (1)
                                                                                   ------------  ------------  ----------- 
  Net unrealized investment gains (losses) attributable to Metropolitan Life                                               
   Insurance Company..............................................................  $     7,257   $     5,051   $    4,773 
                                                                                   ============  ============  =========== 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

The changes in net unrealized investment gains (losses) were as follows:    

                                                        [Enlarge/Download Table]

                                                                                             Years Ended December 31,       
                                                                                      ------------------------------------- 
                                                                                          2017         2016         2015    
                                                                                      -----------  -----------  ----------- 
                                                                                                  (In millions)             
                                                                                                                            
Balance at January 1,................................................................  $    5,051   $    4,773   $    7,273 
Fixed maturity securities on which noncredit OTTI losses have been recognized........          30           49           27 
Unrealized investment gains (losses) during the year.................................       3,621          541       (7,580)
Unrealized investment gains (losses) relating to:                                                                           
Future policy benefits...............................................................         (10)          (2)       1,957 
DAC and VOBA related to noncredit OTTI losses recognized in AOCI.....................           1           (1)           3 
DAC, VOBA and DSI....................................................................        (221)           3          346 
Policyholder dividend obligation.....................................................        (190)        (148)       1,372 
Deferred income tax benefit (expense) related to noncredit OTTI losses                                                      
 recognized in AOCI..................................................................         (11)         (17)         (11)
Deferred income tax benefit (expense)................................................      (1,014)        (148)       1,386 
                                                                                      -----------  -----------  ----------- 
  Net unrealized investment gains (losses)...........................................       7,257        5,050        4,773 
Net unrealized investment gains (losses) attributable to noncontrolling                                                     
 interests...........................................................................          --            1           -- 
                                                                                      -----------  -----------  ----------- 
Balance at December 31,..............................................................  $    7,257   $    5,051   $    4,773 
                                                                                      ===========  ===========  =========== 
Change in net unrealized investment gains (losses)...................................  $    2,206   $      277   $   (2,500)
Change in net unrealized investment gains (losses) attributable to noncontrolling                                           
 interests...........................................................................          --            1           -- 
                                                                                      -----------  -----------  ----------- 
Change in net unrealized investment gains (losses) attributable to Metropolitan Life                                        
 Insurance Company...................................................................  $    2,206   $      278   $   (2,500)
                                                                                      ===========  ===========  =========== 

Concentrations of Credit Risk                                                   

There were no investments in any counterparty that were greater than 10% of 
the Company's equity, other than the U.S. government and its agencies, at both  
December 31, 2017 and 2016.                                                     

Securities Lending                                                              

Elements of the securities lending program are presented below at:          

                                                                [Download Table]

                                                           December 31,      
                                                      -----------------------
                                                         2017        2016    
                                                      ----------- -----------
                                                           (In millions)     
                                                                             
Securities on loan: (1)                                                      
  Amortized cost..................................... $    13,887 $    15,694
  Estimated fair value............................... $    14,852 $    16,496
Cash collateral received from counterparties (2)..... $    15,170 $    16,807
Security collateral received from counterparties (3). $        11 $        14
Reinvestment portfolio -- estimated fair value....... $    15,188 $    16,821

--------                                                                        

(1)Included within fixed maturity securities.                                   

(2)Included within payables for collateral under securities loaned and other    
transactions.                                                             

(3)Security collateral received from counterparties may not be sold or          
re-pledged, unless the counterparty is in default, and is not reflected on
the consolidated financial statements.                                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

  The cash collateral liability by loaned security type and remaining tenor of
the agreements was as follows at:                                               

                                                        [Enlarge/Download Table]

                                                            December 31, 2017                      December 31, 2016             
                                                    -------------------------------------- --------------------------------------
                                                    Remaining Tenor of Securities          Remaining Tenor of Securities         
                                                       Lending Agreements                     Lending Agreements                 
                                                    -----------------------------          -----------------------------         
                                                                          Over                                   Over            
                                                               1 Month   1 to 6                       1 Month   1 to 6           
                                                    Open (1)   or Less   Months    Total   Open (1)   or Less   Months    Total  
                                                    --------   -------   -------  -------- --------   -------   -------  --------
                                                                               (In millions)                                     
                                                                                                                                 
Cash collateral liability by loaned security type:                                                                               
U.S. government and agency......................... $ 2,927    $ 5,279   $ 6,964  $ 15,170 $ 4,033    $ 5,640   $ 7,134  $ 16,807
                                                    =======     =======  =======  ======== =======     =======  =======  ========

--------                                                                        

(1) The related loaned security could be returned to the Company on the next    
business day, which would require the Company to immediately return the 
cash collateral.                                                        

If the Company is required to return significant amounts of cash collateral 
on short notice and is forced to sell securities to meet the return obligation, 
it may have difficulty selling such collateral that is invested in securities   
in a timely manner, be forced to sell securities in a volatile or illiquid      
market for less than what otherwise would have been realized under normal       
market conditions, or both. The estimated fair value of the securities on loan  
related to the cash collateral on open at December 31, 2017 was $2.9 billion,   
all of which were U.S. government and agency securities which, if put back to   
the Company, could be immediately sold to satisfy the cash requirement.         

The reinvestment portfolio acquired with the cash collateral consisted      
principally of fixed maturity securities (including agency RMBS, U.S.           
government and agency securities, ABS and U.S. corporate securities) and        
short-term investments with 62% invested in agency RMBS, U.S. government and    
agency securities, short-term investments, cash equivalents or held in cash. If 
the securities on loan or the reinvestment portfolio become less liquid, the    
Company has the liquidity resources of most of its general account available to 
meet any potential cash demands when securities on loan are put back to the     
Company.                                                                        

Repurchase Agreements                                                           

Elements of the short-term repurchase agreements are presented below at:    

                                                                [Download Table]

                                                  December 31, 2017
                                                  -----------------
                                                    (In millions)  
                                                                   
Securities on loan: (1)                                            
    Amortized cost...............................   $        900   
    Estimated fair value.........................   $      1,031   
Cash collateral received from counterparties (2).   $      1,000   
Reinvestment portfolio -- estimated fair value...   $      1,000   

--------                                                                        

(1) Included within fixed maturity securities, short-term investments and cash  
equivalents.                                                            

(2) Included within payables for collateral under securities loaned and other   
transactions.                                                           

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

  The cash collateral liability by loaned security type and remaining tenor of
the agreements was as follows at:                                               

                                                                [Download Table]

                                                      December 31, 2017  
                                                    ---------------------
                                                    Remaining            
                                                     Tenor of            
                                                    Repurchase           
                                                    Agreements           
                                                    ----------           
                                                     1 Month             
                                                     or Less     Total   
                                                    ---------- ----------
                                                        (In millions)    
                                                                         
Cash collateral liability by loaned security type:                       
U.S. government and agency......................... $    1,000 $    1,000
                                                    ========== ==========

The reinvestment portfolio acquired with the cash collateral consisted      
principally of fixed maturity securities (including U.S. government and agency  
securities, agency RMBS and ABS), short-term investments and cash equivalents,  
with 66% invested in U.S. government and agency securities, agency RMBS,        
short-term investments, cash equivalents or held in cash. If the securities on  
loan or the reinvestment portfolio become less liquid, the Company has the      
liquidity resources of most of its general account available to meet any        
potential cash demands when securities on loan are put back to the Company.     

Invested Assets on Deposit and Pledged as Collateral                            

Invested assets on deposit and pledged as collateral are presented below at 
estimated fair value for all asset classes, except mortgage loans, which are    
presented at carrying value at:                                                 

                                                        [Enlarge/Download Table]

                                                                   December 31,      
                                                              -----------------------
                                                                 2017        2016    
                                                              ----------- -----------
                                                                   (In millions)     
                                                                                     
Invested assets on deposit (regulatory deposits)............. $        49 $        47
Invested assets pledged as collateral (1)....................      20,775      20,750
                                                              ----------- -----------
  Total invested assets on deposit and pledged as collateral. $    20,824 $    20,797
                                                              =========== ===========

--------                                                                        

(1) The Company has pledged invested assets in connection with various          
agreements and transactions, including funding agreements (see Note 4), 
derivative transactions (see Note 9) and secured debt (See Note 11).    

See "-- Securities Lending" and "-- Repurchase Agreements" for information  
regarding securities on loan and Note 7 for information regarding investments   
designated to the closed block.                                                 

Purchased Credit Impaired Investments                                           

Investments acquired with evidence of credit quality deterioration since    
origination and for which it is probable at the acquisition date that the       
Company will be unable to collect all contractually required payments are       
classified as purchased credit impaired ("PCI") investments. For each           
investment, the excess of the cash flows expected to be collected as of the     
acquisition date over its acquisition date fair value is referred to as the     
accretable yield and is recognized as net investment income on an effective     
yield basis. If subsequently, based on current information and events, it is    
probable that there is a significant increase in cash flows previously expected 
to be collected or if actual cash flows are significantly greater than cash     
flows previously expected to be collected, the accretable yield is adjusted     
prospectively. The excess of the contractually required payments (including     
interest) as of the acquisition date over the cash flows expected to be         
collected as of the acquisition date is referred to as the nonaccretable        
difference, and this amount is not expected to be realized as net investment    
income. Decreases in cash flows expected to be collected can result in OTTI.    

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

The Company's PCI investments were as follows at:                         

                                                                [Download Table]

                                                      December 31,       
                                                -------------------------
                                                    2017         2016    
                                                ------------ ------------
                                                Fixed Maturity Securities
                                                -------------------------
                                                      (In millions)      
                                                                         
Outstanding principal and interest balance (1). $      4,607 $      5,859
Carrying value (2)............................. $      3,825 $      4,598

--------                                                                        

(1)Represents the contractually required payments, which include contractual    
principal, whether or not currently due, and accrued interest.            

(2)Estimated fair value plus accrued interest.                                  

The following table presents information about PCI investments acquired     
during the periods indicated:                                                   

                                                                [Download Table]

                                                      Years Ended December 31, 
                                                      -------------------------
                                                         2017         2016     
                                                      ----------  ------------ 
                                                      Fixed Maturity Securities
                                                      -------------------------
                                                           (In millions)       
                                                                               
Contractually required payments (including interest). $      107  $      1,831 
Cash flows expected to be collected (1).............. $       78  $      1,644 
Fair value of investments acquired................... $       72  $      1,206 

--------                                                                        

(1)Represents undiscounted principal and interest cash flow expectations at the 
date of acquisition.                                                      

The following table presents activity for the accretable yield on PCI       
investments:                                                                    

                                                                [Download Table]

                                                      Years Ended December 31,  
                                                     -------------------------- 
                                                         2017          2016     
                                                     ------------  ------------ 
                                                      Fixed Maturity Securities 
                                                     -------------------------- 
                                                            (In millions)       
                                                                                
Accretable yield, January 1,........................ $      1,678  $      1,784 
Investments purchased...............................            6           438 
Accretion recognized in earnings....................         (273)         (277)
Disposals...........................................          (42)         (138)
Reclassification (to) from nonaccretable difference.          102          (129)
                                                     ------------  ------------ 
Accretable yield, December 31,...................... $      1,471  $      1,678 
                                                     ============  ============ 

Collectively Significant Equity Method Investments                              

The Company holds investments in real estate joint ventures, real estate    
funds and other limited partnership interests consisting of leveraged buy-out   
funds, hedge funds, private equity funds, joint ventures and other funds. The   
portion of these investments accounted for under the equity method had a        
carrying value of $11.5 billion at December 31, 2017. The Company's maximum     
exposure to loss related to these equity method investments is limited to the   
carrying value of these investments plus unfunded commitments of $2.9 billion   
at December 31, 2017. Except for certain real estate joint ventures, the        
Company's investments in real estate funds and other limited partnership        
interests are generally of a passive nature in that the Company does not        
participate in the management of the entities.                                  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

As described in Note 1, the Company generally records its share of earnings 
in its equity method investments using a three-month lag methodology and within 
net investment income. Aggregate net investment income from these equity method 
investments exceeded 10% of the Company's consolidated pre-tax income (loss)    
for two of the three most recent annual periods: 2017 and 2016. The Company is  
providing the following aggregated summarized financial data for such equity    
method investments, for the most recent annual periods, in order to provide     
comparative information. This aggregated summarized financial data does not     
represent the Company's proportionate share of the assets, liabilities, or      
earnings of such entities.                                                      

The aggregated summarized financial data presented below reflects the latest
available financial information and is as of, and for, the years ended          
December 31, 2017, 2016 and 2015. Aggregate total assets of these entities      
totaled $450.0 billion and $385.3 billion at December 31, 2017 and 2016,        
respectively. Aggregate total liabilities of these entities totaled             
$59.5 billion and $48.5 billion at December 31, 2017 and 2016, respectively.    
Aggregate net income (loss) of these entities totaled $35.0 billion,            
$27.6 billion and $23.4 billion for the years ended December 31, 2017, 2016 and 
2015, respectively. Aggregate net income (loss) from the underlying entities in 
which the Company invests is primarily comprised of investment income,          
including recurring investment income and realized and unrealized investment    
gains (losses).                                                                 

Variable Interest Entities                                                      

The Company has invested in legal entities that are VIEs. In certain        
instances, the Company holds both the power to direct the most significant      
activities of the entity, as well as an economic interest in the entity and, as 
such, is deemed to be the primary beneficiary or consolidator of the entity.    
The determination of the VIE's primary beneficiary requires an evaluation of    
the contractual and implied rights and obligations associated with each party's 
relationship with or involvement in the entity, an estimate of the entity's     
expected losses and expected residual returns and the allocation of such        
estimates to each party involved in the entity.                                 

Consolidated VIEs                                                           

 Creditors or beneficial interest holders of VIEs where the Company is the
 primary beneficiary have no recourse to the general credit of the Company, as
the Company's obligation to the VIEs is limited to the amount of its        
committed investment.                                                       

The following table presents the total assets and total liabilities     
relating to investment related VIEs for which the Company has concluded that
 it is the primary beneficiary and which are consolidated at December 31, 2017
and 2016.                                                                   

                                                                [Download Table]

                                                  December 31,                 
                                  ---------------------------------------------
                                           2017                   2016         
                                  ---------------------- ----------------------
                                    Total       Total      Total       Total   
                                    Assets   Liabilities   Assets   Liabilities
                                  ---------- ----------- ---------- -----------
                                                  (In millions)                
                                                                               
Real estate joint ventures (1)... $    1,077   $   --    $    1,124   $    --  
Renewable energy partnership (2).        116        3            --        --  
Other investments (3)............         32        6            62        12  
                                  ---------- ----------- ---------- -----------
  Total.......................... $    1,225   $    9    $    1,186   $    12  
                                  ========== =========== ========== ===========

--------                                                                        

(1) The Company consolidates certain affiliated real estate joint ventures. At  
both December 31, 2017 and 2016, the Company and its affiliates invested
   $1.0 billion and $85 million, respectively, in these affiliated real estate
joint ventures.                                                         

(2) Assets of the renewable energy partnership, primarily consisting of other   
invested assets, were consolidated in prior periods. As a result of the 
   Separation and a reassessment in 2017, the renewable energy partnership was
determined to be a consolidated VIE.                                    

(3) Other investments is comprised primarily of other invested assets. The      
Company consolidates entities that are structured as collateralized debt
  obligations. The assets of these entities can only be used to settle their
respective liabilities, and under no circumstances is the Company liable
for any principal or interest shortfalls should any arise.              

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Unconsolidated VIEs                                                         

  The carrying amount and maximum exposure to loss relating to VIEs in which
the Company holds a significant variable interest but is not the primary    
beneficiary and which have not been consolidated were as follows at:        

                                                        [Enlarge/Download Table]

                                                            December 31,                        
                                     -----------------------------------------------------------
                                                 2017                          2016             
                                     ----------------------------- -----------------------------
                                                       Maximum                       Maximum    
                                         Carrying     Exposure         Carrying     Exposure    
                                        Amount         to Loss (1)    Amount         to Loss (1)
                                     ------------- --------------- ------------- ---------------
                                                            (In millions)                       
                                                                                                
Fixed maturity securities AFS:                                                                  
  Structured Securities (2)......... $      34,284  $      34,284  $      34,912  $      34,912 
  U.S. and foreign corporate........         1,166          1,166          1,167          1,167 
Other limited partnership interests.         3,561          5,765          3,383          5,674 
Other invested assets...............         2,172          2,506          2,089          2,666 
Real estate joint ventures..........            38             43             81             95 
                                     ------------- --------------- ------------- ---------------
  Total............................. $      41,221  $      43,764  $      41,632  $      44,514 
                                     ============= =============== ============= ===============

--------                                                                        

(1) The maximum exposure to loss relating to fixed maturity securities AFS is   
equal to their carrying amounts or the carrying amounts of retained     
interests. The maximum exposure to loss relating to other limited       
partnership interests and real estate joint ventures is equal to the    
carrying amounts plus any unfunded commitments. For certain of its      
 investments in other invested assets, the Company's return is in the form
 of income tax credits which are guaranteed by creditworthy third parties.
   For such investments, the maximum exposure to loss is equal to the carrying
amounts plus any unfunded commitments, reduced by income tax credits    
guaranteed by third parties of $117 million and $150 million at         
December 31, 2017 and 2016, respectively. Such a maximum loss would be  
expected to occur only upon bankruptcy of the issuer or investee.       

(2)For these variable interests, the Company's involvement is limited to that   
of a passive investor in mortgage-backed or asset-backed securities issued
by trusts that do not have substantial equity.                            

  As described in Note 16, the Company makes commitments to fund partnership
investments in the normal course of business. Excluding these commitments,  
the Company did not provide financial or other support to investees         
 designated as VIEs during each of the years ended December 31, 2017, 2016 and
2015.                                                                       

   During 2017, the Company securitized certain residential mortgage loans and
acquired an interest in the related RMBS issued. While the Company has a    
variable interest in the issuer of the securities, it is not the primary    
 beneficiary of the issuer of the securities since it does not have any rights
to remove the servicer or veto rights over the servicer's actions. The      
carrying value and the estimated fair value of mortgage loans sold during   
 2017 were $319 million and $339 million, respectively, resulting in a gain of
$20 million during the year ended December 31, 2017, which was included     
within net investment gains (losses). The estimated fair value of RMBS      
acquired in connection with the securitization was $52 million. Included in 
the carrying amount and maximum exposure to loss for Structured Securities  
presented above at December 31, 2017 were $51 million of such investments.  
 See Note 10 for information on how the estimated fair value of mortgage loans
and RMBS is determined, the valuation approaches and key inputs, their      
placement in the fair value hierarchy, and for certain RMBS, quantitative   
information about the significant unobservable inputs and the sensitivity of
their estimated fair value to changes in those inputs.                      

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Net Investment Income                                                           

The components of net investment income were as follows:                  

                                                        [Enlarge/Download Table]

                                                        Years Ended December 31,      
                                                   -----------------------------------
                                                      2017        2016        2015    
                                                   ----------- ----------- -----------
                                                              (In millions)           
                                                                                      
Investment income:                                                                    
Fixed maturity securities......................... $     7,057 $     7,653 $     7,930
Equity securities.................................          97          90          91
Mortgage loans....................................       2,647       2,539       2,514
Policy loans......................................         310         404         435
Real estate and real estate joint ventures........         446         488         743
Other limited partnership interests...............         625         413         519
Cash, cash equivalents and short-term investments.          74          43          25
Operating joint venture...........................          19           9           9
Other.............................................         133         207         149
                                                   ----------- ----------- -----------
  Subtotal........................................      11,408      11,846      12,415
Less: Investment expenses.........................         895         763         876
                                                   ----------- ----------- -----------
  Net investment income........................... $    10,513 $    11,083 $    11,539
                                                   =========== =========== ===========

See "-- Variable Interest Entities" for discussion of consolidated      
securitization entities ("CSEs").                                           

   See "-- Related Party Investment Transactions" for discussion of affiliated
net investment income and investment expenses.                              

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Net Investment Gains (Losses)                                                   

Components of Net Investment Gains (Losses)                                 

The components of net investment gains (losses) were as follows:        

                                                        [Enlarge/Download Table]

                                                                             Years Ended December 31,      
                                                                        ---------------------------------- 
                                                                           2017        2016        2015    
                                                                        ----------  ----------  ---------- 
                                                                                   (In millions)           
                                                                                                           
Total gains (losses) on fixed maturity securities:                                                         
Total OTTI losses recognized -- by sector and industry:                                                    
U.S. and foreign corporate securities -- by industry:                                                      
Consumer............................................................... $       (5) $       --  $      (21)
Industrial.............................................................         --         (58)         -- 
Utility................................................................         --         (20)        (15)
Communications.........................................................         --          (3)         -- 
                                                                        ----------  ----------  ---------- 
  Total U.S. and foreign corporate securities..........................         (5)        (81)        (36)
RMBS...................................................................         --         (16)        (17)
State and political subdivision........................................         (1)         --          (1)
                                                                        ----------  ----------  ---------- 
  OTTI losses on fixed maturity securities recognized in earnings......         (6)        (97)        (54)
Fixed maturity securities -- net gains (losses) on sales and disposals.         23         169        (114)
                                                                        ----------  ----------  ---------- 
  Total gains (losses) on fixed maturity securities....................         17          72        (168)
                                                                        ----------  ----------  ---------- 
Total gains (losses) on equity securities:                                                                 
Total OTTI losses recognized -- by sector:                                                                 
Common stock...........................................................        (23)        (75)        (37)
Non-redeemable preferred stock.........................................         (1)         --          -- 
                                                                        ----------  ----------  ---------- 
  OTTI losses on equity securities recognized in earnings..............        (24)        (75)        (37)
Equity securities -- net gains (losses) on sales and disposals.........          7          19          -- 
                                                                        ----------  ----------  ---------- 
  Total gains (losses) on equity securities............................        (17)        (56)        (37)
                                                                        ----------  ----------  ---------- 
Mortgage loans.........................................................        (34)        (20)        (90)
Real estate and real estate joint ventures.............................        607         142         430 
Other limited partnership interests....................................        (52)        (59)        (66)
Other..................................................................       (115)        (32)        (18)
                                                                        ----------  ----------  ---------- 
  Subtotal.............................................................        406          47          51 
                                                                        ----------  ----------  ---------- 
Non-investment portfolio gains (losses)................................        (72)         85         208 
                                                                        ----------  ----------  ---------- 
  Total net investment gains (losses).................................. $      334  $      132  $      259 
                                                                        ==========  ==========  ========== 

See "-- Variable Interest Entities" for discussion of CSEs.             

   See "-- Related Party Investment Transactions" for discussion of affiliated
net investment gains (losses) related to transfers of invested assets to    
affiliates.                                                                 

Gains (losses) from foreign currency transactions included within net   
investment gains (losses) were ($142) million, $89 million and $125 million 
for the years ended December 31, 2017, 2016 and 2015, respectively.         

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Sales or Disposals and Impairments of Fixed Maturity and Equity Securities  

Investment gains and losses on sales of securities are determined on a  
specific identification basis. Proceeds from sales or disposals of fixed    
maturity and equity securities and the components of fixed maturity and     
equity securities net investment gains (losses) were as shown in the table  
below.                                                                      

                                                        [Enlarge/Download Table]

                                                       Years Ended December 31,                      
                                 ------------------------------------------------------------------- 
                                    2017        2016        2015        2017       2016       2015   
                                 ----------  ----------  ----------  ---------  ---------  --------- 
                                      Fixed Maturity Securities             Equity Securities        
                                 ----------------------------------  ------------------------------- 
                                                              (In millions)                          
                                                                                                     
Proceeds........................ $   34,483  $   58,812  $   60,957  $     738  $     146  $     105 
                                 ==========  ==========  ==========  =========  =========  ========= 
Gross investment gains.......... $      278  $      755  $      584  $      18  $      28  $      28 
Gross investment losses.........       (255)       (586)       (698)       (11)        (9)       (28)
OTTI losses.....................         (6)        (97)        (54)       (24)       (75)       (37)
                                 ----------  ----------  ----------  ---------  ---------  --------- 
  Net investment gains (losses). $       17  $       72  $     (168) $     (17) $     (56) $     (37)
                                 ==========  ==========  ==========  =========  =========  ========= 

Credit Loss Rollforward                                                     

The table below presents a rollforward of the cumulative credit loss    
component of OTTI loss recognized in earnings on fixed maturity securities  
still held for which a portion of the OTTI loss was recognized in OCI:      

                                                        [Enlarge/Download Table]

                                                                                                      Years Ended December 31,
                                                                                                      ----------------------  
                                                                                                         2017         2016    
                                                                                                      ----------   ---------- 
                                                                                                            (In millions)     
                                                                                                                              
Balance at January 1,................................................................................ $      157   $      188 
Additions:                                                                                                                    
  Initial impairments -- credit loss OTTI on securities not previously impaired......................          1            1 
  Additional impairments -- credit loss OTTI on securities previously impaired.......................         --           13 
Reductions:                                                                                                                   
  Sales (maturities, pay downs or prepayments) of securities previously impaired as credit loss OTTI.        (47)         (43)
  Securities impaired to net present value of expected future cash flows.............................         --           (1)
  Increase in cash flows -- accretion of previous credit loss OTTI...................................         (1)          (1)
                                                                                                      ----------   ---------- 
Balance at December 31,.............................................................................. $      110   $      157 
                                                                                                      ==========   ========== 

Related Party Investment Transactions                                       

The Company transfers invested assets, primarily consisting of fixed    
maturity securities, to and from affiliates. Invested assets transferred to 
and from affiliates were as follows:                                        

                                                        [Enlarge/Download Table]

                                                                        Years Ended December 31,   
                                                                     ------------------------------
                                                                       2017      2016       2015   
                                                                     -------- ---------- ----------
                                                                             (In millions)         
                                                                                                   
Estimated fair value of invested assets transferred to affiliates... $    453 $    5,678 $    1,003
Amortized cost of invested assets transferred to affiliates......... $    416 $    5,338 $      941
Net investment gains (losses) recognized on transfers............... $     37 $      340 $       62
Estimated fair value of invested assets transferred from affiliates. $    306 $    1,583 $      237

In January 2017, the Company received transferred investments with an   
estimated fair value of $292 million, which are included in the table above,
in addition to $275 million in cash related to the recapture of risks from  
 minimum benefit guarantees on certain variable annuities previously reinsured
by Brighthouse Insurance. In April 2016, the Company transferred investments
 and cash and cash equivalents with an amortized cost and estimated fair value
of $4.0 billion and $4.3 billion,                                           

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

respectively, for the recapture of risks related to certain single premium  
deferred annuity contracts previously reinsured to Brighthouse Insurance,   
which are included in the table above. Also, in November 2016, the Company  
transferred investments and cash and cash equivalents with an amortized cost
and estimated fair value of $863 million and $933 million, respectively, for
the recapture of risks related to certain single premium deferred annuity   
contracts previously reinsured to Brighthouse NY, which are included in the 
  table above. See Note 6 for additional information related to these transfers.

  The unpaid principal balance of MetLife, Inc. affiliated loans held by the
Company totals $1.8 billion, bear interest at the following fixed rates,    
payable semiannually, and are due as follows: $500 million at 3.54% due on  
June 30, 2019, $250 million at 3.57% due on October 1, 2019, $358 million at
5.64% due on July 15, 2021 and $467 million at 5.86% due on December 16,    
2021. In September 2016, an affiliated loan for $250 million matured and,   
subsequently, a new loan was issued for $250 million, which bears interest, 
payable semiannually, at a fixed rate of 3.03% and matures on September 30, 
2020. The carrying value of these MetLife, Inc. affiliated loans totaled    
$1.8 billion at both December 31, 2017 and 2016, and are included in other  
invested assets. Net investment income from these affiliated loans was      
$78 million, $91 million and $95 million for the years ended December 31,   
2017, 2016 and 2015, respectively.                                          

As a structured settlements assignment company, the Company purchases   
annuities from Brighthouse to fund the periodic structured settlement claim 
payment obligations it assumes. Each annuity purchased is contractually     
designated to the assumed claim obligation it funds. The aggregate annuity  
contract values recorded, for which the Company has also recorded unpaid    
claim obligations of equal amounts, were $1.3 billion at both December 31,  
2017 and 2016. The related net investment income and corresponding          
policyholder benefits and claims recognized were $69 million and $64 million
for the years ended December 31, 2017 and 2016, respectively.               

 The Company holds a surplus note from American Life Insurance Company, an
 affiliate, which was included in other invested assets, with a carrying value
of $100 million at both December 31, 2017 and 2016. The loan, which bears   
interest at a fixed rate of 3.17%, payable semiannually, is due on June 30, 
 2020. Net investment income from this surplus note was $3 million for each of
the three years ended December 31, 2017, 2016 and 2015.                     

The Company holds preferred stock of Metropolitan Property and Casualty 
 Insurance Company, an affiliate, which was included in other invested assets,
with a carrying value of $315 million at both December 31, 2017 and 2016.   
Dividends are payable quarterly at a variable rate. Net investment income   
from the affiliated preferred stock dividends was $6 million, $5 million and
  $4 million for the years ended December 31, 2017, 2016 and 2015, respectively.

   In March 2017, the Company purchased from Brighthouse Insurance an interest
in an operating joint venture for $286 million, which was settled in cash in
April 2017.                                                                 

The Company provides investment administrative services to certain      
affiliates. The related investment administrative service charges to these  
affiliates were $73 million, $172 million and $157 million for the years    
ended December 31, 2017, 2016 and 2015, respectively.                       

See "-- Variable Interest Entities" for information on investments in   
affiliated real estate joint ventures.                                      

See "-- Mortgage Loans -- Mortgage Loans by Portfolio Segment" for      
discussion of mortgage loan participation agreements with affiliates.       

9. Derivatives                                                                  

Accounting for Derivatives                                                      

See Note 1 for a description of the Company's accounting policies for       
derivatives and Note 10 for information about the fair value hierarchy for      
derivatives.                                                                    

Derivative Strategies                                                           

The Company is exposed to various risks relating to its ongoing business    
operations, including interest rate, foreign currency exchange rate, credit and 
equity market. The Company uses a variety of strategies to manage these risks,  
including the use of derivatives.                                               

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Derivatives are financial instruments with values derived from interest     
rates, foreign currency exchange rates, credit spreads and/or other financial   
indices. Derivatives may be exchange-traded or contracted in the                
over-the-counter ("OTC") market. Certain of the Company's OTC derivatives are   
cleared and settled through central clearing counterparties ("OTC-cleared"),    
while others are bilateral contracts between two                                
counterparties ("OTC-bilateral"). The types of derivatives the Company uses     
include swaps, forwards, futures and option contracts. To a lesser extent, the  
Company uses credit default swaps and structured interest rate swaps to         
synthetically replicate investment risks and returns which are not readily      
available in the cash markets.                                                  

Interest Rate Derivatives                                                       

The Company uses a variety of interest rate derivatives to reduce its       
exposure to changes in interest rates, including interest rate swaps, interest  
rate total return swaps, caps, floors, swaptions, futures and forwards.         

Interest rate swaps are used by the Company primarily to reduce market risks
from changes in interest rates and to alter interest rate exposure arising from 
mismatches between assets and liabilities (duration mismatches). In an interest 
rate swap, the Company agrees with another party to exchange, at specified      
intervals, the difference between fixed rate and floating rate interest amounts 
as calculated by reference to an agreed notional amount. The Company utilizes   
interest rate swaps in fair value, cash flow and nonqualifying hedging          
relationships.                                                                  

The Company uses structured interest rate swaps to synthetically create     
investments that are either more expensive to acquire or otherwise unavailable  
in the cash markets. These transactions are a combination of a derivative and a 
cash instrument such as a U.S. government and agency, or other fixed maturity   
security. Structured interest rate swaps are included in interest rate swaps    
and are not designated as hedging instruments.                                  

Interest rate total return swaps are swaps whereby the Company agrees with  
another party to exchange, at specified intervals, the difference between the   
economic risk and reward of an asset or a market index and the London Interbank 
Offered Rate ("LIBOR"), calculated by reference to an agreed notional amount.   
No cash is exchanged at the outset of the contract. Cash is paid and received   
over the life of the contract based on the terms of the swap. These             
transactions are entered into pursuant to master agreements that provide for a  
single net payment to be made by the counterparty at each due date. Interest    
rate total return swaps are used by the Company to reduce market risks from     
changes in interest rates and to alter interest rate exposure arising from      
mismatches between assets and liabilities (duration mismatches). The Company    
utilizes interest rate total return swaps in nonqualifying hedging              
relationships.                                                                  

The Company purchases interest rate caps primarily to protect its floating  
rate liabilities against rises in interest rates above a specified level and    
against interest rate exposure arising from mismatches between assets and       
liabilities, and interest rate floors primarily to protect its minimum rate     
guarantee liabilities against declines in interest rates below a specified      
level. In certain instances, the Company locks in the economic impact of        
existing purchased caps and floors by entering into offsetting written caps and 
floors. The Company utilizes interest rate caps and floors in nonqualifying     
hedging relationships.                                                          

 Swaptions are used by the Company to hedge interest rate risk associated with
the Company's long-term liabilities and invested assets. A swaption is an       
option to enter into a swap with a forward starting effective date. In certain  
instances, the Company locks in the economic impact of existing purchased       
swaptions by entering into offsetting written swaptions. The Company pays a     
premium for purchased swaptions and receives a premium for written swaptions.   
The Company utilizes swaptions in nonqualifying hedging relationships.          
Swaptions are included in interest rate options.                                

The Company enters into interest rate forwards to buy and sell securities.  
The price is agreed upon at the time of the contract and payment for such a     
contract is made at a specified future date. The Company utilizes interest rate 
forwards in cash flow and nonqualifying hedging relationships.                  

In exchange-traded interest rate (Treasury and swap) futures transactions,  
the Company agrees to purchase or sell a specified number of contracts, the     
value of which is determined by the different classes of interest rate          
securities, to post variation margin on a daily basis in an amount equal to the 
difference in the daily market values of those contracts and to pledge initial  
margin based on futures exchange requirements. The Company enters into          
exchange-traded futures with regulated futures commission merchants that are    
members of the exchange. Exchange-traded interest rate (Treasury and swap)      
futures are used primarily to hedge mismatches between the duration of assets   
in a portfolio and the duration of liabilities supported by those assets, to    
hedge against changes in value of securities the Company owns or anticipates    
acquiring, to hedge against changes in interest rates on anticipated liability  
issuances by replicating Treasury or swap curve performance, and to hedge       
minimum guarantees embedded in certain variable annuity products offered by the 
Company. The Company utilizes exchange-traded interest rate futures in          
nonqualifying hedging relationships.                                            

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

 A synthetic guaranteed interest contract ("GIC") is a contract that simulates
the performance of a traditional GIC through the use of financial instruments.  
Under a synthetic GIC, the policyholder owns the underlying assets. The Company 
guarantees a rate of return on those assets for a premium. Synthetic GICs are   
not designated as hedging instruments.                                          

Foreign Currency Exchange Rate Derivatives                                      

The Company uses foreign currency exchange rate derivatives, including      
foreign currency swaps and foreign currency forwards, to reduce the risk from   
fluctuations in foreign currency exchange rates associated with its assets and  
liabilities denominated in foreign currencies.                                  

 In a foreign currency swap transaction, the Company agrees with another party
to exchange, at specified intervals, the difference between one currency and    
another at a fixed exchange rate, generally set at inception, calculated by     
reference to an agreed upon notional amount. The notional amount of each        
currency is exchanged at the inception and termination of the currency swap by  
each party. The Company utilizes foreign currency swaps in fair value, cash     
flow and nonqualifying hedging relationships.                                   

In a foreign currency forward transaction, the Company agrees with another  
party to deliver a specified amount of an identified currency at a specified    
future date. The price is agreed upon at the time of the contract and payment   
for such a contract is made at the specified future date. The Company utilizes  
foreign currency forwards in nonqualifying hedging relationships.               

Credit Derivatives                                                              

The Company enters into purchased credit default swaps to hedge against     
credit-related changes in the value of its investments. In a credit default     
swap transaction, the Company agrees with another party to pay, at specified    
intervals, a premium to hedge credit risk. If a credit event occurs, as defined 
by the contract, the contract may be cash settled or it may be settled gross by 
the delivery of par quantities of the referenced investment equal to the        
specified swap notional amount in exchange for the payment of cash amounts by   
the counterparty equal to the par value of the investment surrendered. Credit   
events vary by type of issuer but typically include bankruptcy, failure to pay  
debt obligations and involuntary restructuring for corporate obligors, as well  
as repudiation, moratorium or governmental intervention for sovereign obligors. 
In each case, payout on a credit default swap is triggered only after the       
Credit Derivatives Determinations Committee of the International Swaps and      
Derivatives Association, Inc. ("ISDA") deems that a credit event has occurred.  
The Company utilizes credit default swaps in nonqualifying hedging              
relationships.                                                                  

The Company enters into written credit default swaps to synthetically create
credit investments that are either more expensive to acquire or otherwise       
unavailable in the cash markets. These transactions are a combination of a      
derivative and one or more cash instruments, such as U.S. government and agency 
securities, or other fixed maturity securities. These credit default swaps are  
not designated as hedging instruments.                                          

The Company also entered into certain purchased and written credit default  
swaps held in relation to trading portfolios for the purpose of generating      
profits on short-term differences in price. These credit default swaps were not 
designated as hedging instruments. As of December 31, 2016, the Company no      
longer maintained a trading portfolio for derivatives.                          

The Company enters into forwards to lock in the price to be paid for forward
purchases of certain securities. The price is agreed upon at the time of the    
contract and payment for the contract is made at a specified future date. When  
the primary purpose of entering into these transactions is to hedge against the 
risk of changes in purchase price due to changes in credit spreads, the Company 
designates these transactions as credit forwards. The Company utilizes credit   
forwards in cash flow hedging relationships.                                    

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Equity Derivatives                                                              

The Company uses a variety of equity derivatives to reduce its exposure to  
equity market risk, including equity index options, equity variance swaps,      
exchange-traded equity futures and equity total return swaps.                   

Equity index options are used by the Company primarily to hedge minimum     
guarantees embedded in certain variable annuity products offered by the         
Company. To hedge against adverse changes in equity indices, the Company enters 
into contracts to sell the underlying equity index within a limited time at a   
contracted price. The contracts will be net settled in cash based on            
differentials in the indices at the time of exercise and the strike price.      
Certain of these contracts may also contain settlement provisions linked to     
interest rates. In certain instances, the Company may enter into a combination  
of transactions to hedge adverse changes in equity indices within a             
pre-determined range through the purchase and sale of options. The Company      
utilizes equity index options in nonqualifying hedging relationships.           

Equity variance swaps are used by the Company primarily to hedge minimum    
guarantees embedded in certain variable annuity products offered by the         
Company. In an equity variance swap, the Company agrees with another party to   
exchange amounts in the future, based on changes in equity volatility over a    
defined period. The Company utilizes equity variance swaps in nonqualifying     
hedging relationships.                                                          

In exchange-traded equity futures transactions, the Company agrees to       
purchase or sell a specified number of contracts, the value of which is         
determined by the different classes of equity securities, to post variation     
margin on a daily basis in an amount equal to the difference in the daily       
market values of those contracts and to pledge initial margin based on futures  
exchange requirements. The Company enters into exchange-traded futures with     
regulated futures commission merchants that are members of the exchange.        
Exchange-traded equity futures are used primarily to hedge minimum guarantees   
embedded in certain variable annuity products offered by the Company. The       
Company utilizes exchange-traded equity futures in nonqualifying hedging        
relationships.                                                                  

In an equity total return swap, the Company agrees with another party to    
exchange, at specified intervals, the difference between the economic risk and  
reward of an asset or a market index and LIBOR, calculated by reference to an   
agreed notional amount. No cash is exchanged at the outset of the contract.     
Cash is paid and received over the life of the contract based on the terms of   
the swap. The Company uses equity total return swaps to hedge its equity market 
guarantees in certain of its insurance products. Equity total return swaps can  
be used as hedges or to synthetically create investments. The Company utilizes  
equity total return swaps in nonqualifying hedging relationships.               

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Primary Risks Managed by Derivatives                                            

The following table presents the primary underlying risk exposure, gross    
notional amount and estimated fair value of the Company's derivatives,          
excluding embedded derivatives, held at:                                        

                                                        [Enlarge/Download Table]

                                                                                        December 31,                            
                                                            --------------------------------------------------------------------
                                                                          2017                               2016               
                                                            --------------------------------- ----------------------------------
                                                                        Estimated Fair Value               Estimated Fair Value 
                                                                       ----------------------             ----------------------
                                                              Gross                             Gross                           
                                                             Notional                          Notional                         
                          Primary Underlying Risk Exposure    Amount    Assets    Liabilities   Amount     Assets    Liabilities
                          --------------------------------  ---------- --------- ------------ ----------- --------- ------------
                                                                                       (In millions)                            
                                                                                                                                
Derivatives Designated as Hedging Instruments:                                                                                  
Fair value hedges:                                                                                                              
Interest rate swaps...... Interest rate....................  $   3,826  $  2,289   $       3   $    4,993  $  2,221   $       6 
Foreign currency swaps... Foreign currency exchange rate...      1,082        47          17        1,200        29         224 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
 Subtotal.................................................       4,908     2,336          20        6,193     2,250         230 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
Cash flow hedges:                                                                                                               
Interest rate swaps...... Interest rate....................      3,337       234          --        1,793       325          26 
Interest rate forwards... Interest rate....................      3,333        --         127        4,033        --         370 
Foreign currency swaps... Foreign currency exchange rate...     22,287       795       1,078       20,080     1,435       1,604 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
 Subtotal................                                       28,957     1,029       1,205       25,906     1,760       2,000 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
 Total qualifying hedges..................................      33,865     3,365       1,225       32,099     4,010       2,230 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
Derivatives Not Designated or Not Qualifying as Hedging                                                                         
 Instruments:                                                                                                                   
Interest rate swaps...... Interest rate....................     43,028     1,722         336       32,662     2,514         879 
Interest rate floors..... Interest rate....................      7,201        91          --        9,001       173           2 
Interest rate caps....... Interest rate....................     53,079        78           2       78,358       112           3 
Interest rate futures.... Interest rate....................      2,257         1           2        2,342         3          -- 
Interest rate options.... Interest rate....................      7,525       142          11          850       144           1 
Interest rate forwards... Interest rate....................         --        --          --          396        --           3 
Interest rate total                                                                                                             
 return swaps............ Interest rate....................      1,048         8           2        1,549         2         127 
Synthetic GICs........... Interest rate....................     11,318        --          --        5,566        --          -- 
Foreign currency swaps... Foreign currency exchange rate...      6,739       547         164        8,175     1,247          58 
Foreign currency forwards Foreign currency exchange rate...        961        16           7        1,396        52          18 
Credit default swaps --                                                                                                         
 purchased............... Credit...........................        980         7           8          961        12           6 
Credit default swaps --                                                                                                         
 written................. Credit...........................      7,874       181          --        8,025       119           8 
Equity futures........... Equity market....................      1,282         5           1        1,851        10          -- 
Equity index options..... Equity market....................     14,408       384         476       11,119       260         426 
Equity variance swaps.... Equity market....................      3,530        45         169        5,579        69         193 
Equity total return swaps Equity market....................      1,077        --          39        1,013         1          42 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
 Total non-designated or nonqualifying derivatives........     162,307     3,227       1,217      168,843     4,718       1,766 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
 Total....................................................   $ 196,172  $  6,592   $   2,442   $  200,942  $  8,728   $   3,996 
                                                            ========== =========  ==========  =========== =========  ========== 

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Based on gross notional amounts, a substantial portion of the Company's   
derivatives was not designated or did not qualify as part of a hedging          
relationship at both December 31, 2017 and 2016. The Company's use of           
derivatives includes (i) derivatives that serve as macro hedges of the          
Company's exposure to various risks and that generally do not qualify for hedge 
accounting due to the criteria required under the portfolio hedging rules;      
(ii) derivatives that economically hedge insurance liabilities that contain     
mortality or morbidity risk and that generally do not qualify for hedge         
accounting because the lack of these risks in the derivatives cannot support an 
expectation of a highly effective hedging relationship; (iii) derivatives that  
economically hedge embedded derivatives that do not qualify for hedge           
accounting because the changes in estimated fair value of the embedded          
derivatives are already recorded in net income; and (iv) written credit default 
swaps and interest rate swaps that are used to synthetically create investments 
and that do not qualify for hedge accounting because they do not involve a      
hedging relationship. For these nonqualified derivatives, changes in market     
factors can lead to the recognition of fair value changes on the statement of   
operations without an offsetting gain or loss recognized in earnings for the    
item being hedged.                                                              

Net Derivative Gains (Losses)                                                   

The components of net derivative gains (losses) were as follows:          

                                                        [Enlarge/Download Table]

                                                                 Years Ended December 31,        
                                                         ----------------------------------------
                                                            2017           2016           2015   
                                                         ----------- ----------------  ----------
                                                                      (In millions)              
                                                                                                 
Freestanding derivatives and hedging gains (losses) (1).  $    (771)  $          (715)  $     463
Embedded derivatives gains (losses).....................         427             (423)        418
                                                         ----------- ----------------  ----------
 Total net derivative gains (losses)....................  $    (344)  $       (1,138)   $     881
                                                         =========== ================  ==========

--------                                                                        

(1)Includes foreign currency transaction gains (losses) on hedged items in cash 
flow and nonqualifying hedging relationships, which are not presented     
elsewhere in this note.                                                   

The following table presents earned income on derivatives:                

                                                        [Enlarge/Download Table]

                                                           Years Ended December 31,       
                                                    --------------------------------------
                                                       2017         2016          2015    
                                                    ----------- ------------  ------------
                                                                (In millions)             
                                                                                          
Qualifying hedges:                                                                        
Net investment income..............................  $      302  $       280   $       227
Interest credited to policyholder account balances.        (64)           (1)           28
Nonqualifying hedges:                                                                     
Net investment income..............................          --          (1)           (5)
Net derivative gains (losses)......................         406          577           518
Policyholder benefits and claims...................           5            4             2
                                                    ----------- ------------  ------------
 Total.............................................  $      649  $       859   $       770
                                                    =========== ============  ============

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Nonqualifying Derivatives and Derivatives for Purposes Other Than Hedging       

The following table presents the amount and location of gains (losses)    
recognized in income for derivatives that were not designated or not qualifying 
as hedging instruments:                                                         

                                                                [Download Table]

                                                 Net          Net      Policyholder
                                              Derivative   Investment  Benefits and
                                            Gains (Losses) Income (1)   Claims (2) 
                                            -------------- ----------  ------------
                                                         (In millions)             
                                                                                   
Year Ended December 31, 2017                                                       
Interest rate derivatives..................   $    (343)    $       1   $       -- 
Foreign currency exchange rate derivatives.        (746)           --           -- 
Credit derivatives -- purchased............         (16)           --           -- 
Credit derivatives -- written..............          102           --           -- 
Equity derivatives.........................        (536)          (6)        (216) 
                                            -------------- ----------  ------------
 Total.....................................   $  (1,539)    $     (5)   $    (216) 
                                            ============== ==========  ============
Year Ended December 31, 2016                                                       
Interest rate derivatives..................   $  (1,088)    $      --   $       -- 
Foreign currency exchange rate derivatives.          726           --           -- 
Credit derivatives -- purchased............         (23)           --           -- 
Credit derivatives -- written..............           48           --           -- 
Equity derivatives.........................        (457)         (14)         (94) 
                                            -------------- ----------  ------------
 Total.....................................   $    (794)    $    (14)   $     (94) 
                                            ============== ==========  ============
Year Ended December 31, 2015                                                       
Interest rate derivatives..................   $    (243)    $      --   $       -- 
Foreign currency exchange rate derivatives.          678           --           -- 
Credit derivatives -- purchased............           17           (3)          -- 
Credit derivatives -- written..............         (57)           --           -- 
Equity derivatives.........................        (152)         (11)           -- 
                                            -------------- ----------  ------------
 Total.....................................   $      243    $    (14)   $       -- 
                                            ============== ==========  ============

--------                                                                        

(1)Changes in estimated fair value related to economic hedges of equity method  
investments in joint ventures and derivatives held in relation to trading 
portfolios. As of December 31, 2016, the Company no longer maintained a   
trading portfolio for derivatives.                                        

(2)Changes in estimated fair value related to economic hedges of variable       
annuity guarantees included in future policy benefits.                    

Fair Value Hedges                                                               

The Company designates and accounts for the following as fair value hedges
when they have met the requirements of fair value hedging: (i) interest rate    
swaps to convert fixed rate assets and liabilities to floating rate assets and  
liabilities; and (ii) foreign currency swaps to hedge the foreign currency fair 
value exposure of foreign currency denominated assets and liabilities.          

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The Company recognizes gains and losses on derivatives and the related    
hedged items in fair value hedges within net derivative gains (losses). The     
following table presents the amount of such net derivative gains (losses):      

                                                        [Enlarge/Download Table]

                                                                         Net Derivative  Net Derivative Ineffectiveness
                                                                         Gains (Losses)  Gains (Losses)  Recognized in 
Derivatives in Fair Value           Hedged Items in Fair Value             Recognized    Recognized for Net Derivative 
Hedging Relationships                 Hedging Relationships              for Derivatives  Hedged Items  Gains (Losses) 
------------------------- ---------------------------------------------- --------------- -------------- ---------------
                                                                                         (In millions)                 
                                                                                                                       
Year Ended December 31, 2017                                                                                           
Interest rate swaps:      Fixed maturity securities.....................          $    4          $ (5)           $ (1)
                          Policyholder liabilities (1)..................            (69)            134              65
Foreign currency swaps:   Foreign-denominated fixed maturity securities.            (24)             27               3
                          Foreign-denominated policyholder account                                                     
                           balances (2).................................              65           (43)              22
                                                                         --------------- -------------- ---------------
  Total...............................................................            $ (24)          $ 113           $  89
                                                                         =============== ============== ===============
Year Ended December 31, 2016                                                                                           
Interest rate swaps:      Fixed maturity securities.....................          $    8          $ (9)           $ (1)
                          Policyholder liabilities (1)..................           (109)             90            (19)
Foreign currency swaps:   Foreign-denominated fixed maturity securities.              10            (9)               1
                          Foreign-denominated policyholder account                                                     
                           balances (2).................................            (95)             92             (3)
                                                                         --------------- -------------- ---------------
  Total...............................................................            $(186)          $ 164           $(22)
                                                                         =============== ============== ===============
Year Ended December 31, 2015                                                                                           
Interest rate swaps:      Fixed maturity securities.....................          $    4          $  --           $   4
                          Policyholder liabilities (1)..................             (4)            (6)            (10)
Foreign currency swaps:   Foreign-denominated fixed maturity securities.              14            (5)               9
                          Foreign-denominated policyholder account                                                     
                           balances (2).................................           (240)            231             (9)
                                                                         --------------- -------------- ---------------
  Total...............................................................            $(226)          $ 220           $ (6)
                                                                         =============== ============== ===============

--------                                                                        

(1)Fixed rate liabilities reported in policyholder account balances or future   
policy benefits.                                                          

(2)Fixed rate or floating rate liabilities.                                     

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

Cash Flow Hedges                                                                

The Company designates and accounts for the following as cash flow hedges   
when they have met the requirements of cash flow hedging: (i) interest rate     
swaps to convert floating rate assets and liabilities to fixed rate assets and  
liabilities; (ii) foreign currency swaps to hedge the foreign currency cash     
flow exposure of foreign currency denominated assets and liabilities;           
(iii) interest rate forwards and credit forwards to lock in the price to be     
paid for forward purchases of investments; and (iv) interest rate swaps and     
interest rate forwards to hedge the forecasted purchases of fixed rate          
investments.                                                                    

In certain instances, the Company discontinued cash flow hedge accounting   
because the forecasted transactions were no longer probable of occurring.       
Because certain of the forecasted transactions also were not probable of        
occurring within two months of the anticipated date, the Company reclassified   
amounts from AOCI into net derivative gains (losses). These amounts were        
$20 million, $17 million and $14 million for the years ended December 31, 2017, 
2016 and 2015, respectively.                                                    

 At both December 31, 2017 and 2016, the maximum length of time over which the
Company was hedging its exposure to variability in future cash flows for        
forecasted transactions did not exceed five years.                              

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

At December 31, 2017 and 2016, the balance in AOCI associated with cash flow
hedges was $1.4 billion and $2.2 billion, respectively.                         

  The following table presents the effects of derivatives in cash flow hedging
relationships on the consolidated statements of operations and the consolidated 
statements of equity:                                                           

                                                        [Enlarge/Download Table]

                                                   Amount and Location       Amount and Location 
                            Amount of Gains         of Gains (Losses)         of Gains (Losses)  
Derivatives in Cash Flow  (Losses)Deferred in       Reclassified from       Recognized in Income 
Hedging Relationships     AOCI on Derivatives    AOCI into Income (Loss)    (Loss) on Derivatives
------------------------  ------------------- ----------------------------- ---------------------
                          (Effective Portion)      (Effective Portion)      (Ineffective Portion)
-                         ------------------- ----------------------------- ---------------------
                                              Net Derivative Net Investment    Net Derivative    
                                              Gains (Losses)     Income        Gains (Losses)    
                                              -------------- -------------- ---------------------
                                                       (In millions)                             
                                                                                                 
Year Ended December 31, 2017                                                                     
Interest rate swaps......  $               73  $          24 $           16   $                18
Interest rate forwards...                 210           (11)              2                   (2)
Foreign currency swaps...               (161)            938            (1)                    --
Credit forwards..........                  --              1              1                    --
                          ------------------- -------------- -------------- ---------------------
  Total..................  $              122  $         952 $           18   $                16
                          =================== ============== ============== =====================
Year Ended December 31, 2016                                                                     
Interest rate swaps......  $               58  $          57 $           12   $                --
Interest rate forwards...               (366)            (1)              3                    --
Foreign currency swaps...                 167          (251)            (1)                    --
Credit forwards..........                  --              3              1                    --
                          ------------------- -------------- -------------- ---------------------
  Total..................  $            (141)  $       (192) $           15   $                --
                          =================== ============== ============== =====================
Year Ended December 31, 2015                                                                     
Interest rate swaps......  $               76  $          83 $           11   $                 2
Interest rate forwards...                 (3)              4              2                    --
Foreign currency swaps...                (92)          (679)            (1)                     7
Credit forwards..........                  --              1              1                    --
                          ------------------- -------------- -------------- ---------------------
  Total..................  $             (19)  $       (591) $           13   $                 9
                          =================== ============== ============== =====================

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

At December 31, 2017, the Company expected to reclassify ($11) million of   
deferred net gains (losses) on derivatives in AOCI to earnings within the next  
12 months.                                                                      

Credit Derivatives                                                              

In connection with synthetically created credit investment transactions, the
Company writes credit default swaps for which it receives a premium to insure   
credit risk. Such credit derivatives are included within the nonqualifying      
derivatives and derivatives for purposes other than hedging table. If a credit  
event occurs, as defined by the contract, the contract may be cash settled or   
it may be settled gross by the Company paying the counterparty the specified    
swap notional amount in exchange for the delivery of par quantities of the      
referenced credit obligation. The Company's maximum amount at risk, assuming    
the value of all referenced credit obligations is zero, was $7.9 billion and    
$8.0 billion at December 31, 2017 and 2016, respectively. The Company can       
terminate these contracts at any time through cash settlement with the          
counterparty at an amount equal to the then current estimated fair value of the 
credit default swaps. At December 31, 2017 and 2016, the Company would have     
received $181 million and $111 million, respectively, to terminate all of these 
contracts.                                                                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The following table presents the estimated fair value, maximum amount of  
future payments and weighted average years to maturity of written credit        
default swaps at:                                                               

                                                        [Enlarge/Download Table]

                                                                          December 31,                                 
                                          -----------------------------------------------------------------------------
                                                           2017                                   2016                 
                                          -------------------------------------- --------------------------------------
                                                        Maximum                                Maximum                 
                                          Estimated      Amount                  Estimated      Amount                 
                                          Fair Value   of Future      Weighted   Fair Value   of Future      Weighted  
                                          of Credit  Payments under   Average    of Credit  Payments under   Average   
Rating Agency Designation of Referenced    Default   Credit Default   Years to    Default   Credit Default   Years to  
Credit Obligations (1)                      Swaps        Swaps      Maturity (2)   Swaps        Swaps      Maturity (2)
----------------------------------------- ---------- -------------- ------------ ---------- -------------- ------------
                                                                     ( Dollars in millions)                            
                                                                                                                       
Aaa/Aa/A                                                                                                               
Single name credit default swaps (3).....  $      3   $        159           2.8  $     1    $        229           2.7
Credit default swaps referencing indices.        42          2,193           2.7       32           2,093           3.5
                                           --------   ------------                -------    ------------              
  Subtotal...............................        45          2,352           2.7       33           2,322           3.4
                                          ---------- --------------              ---------- --------------             
Baa                                                                                                                    
Single name credit default swaps (3).....         4            416           1.5        3             563           2.2
Credit default swaps referencing indices.       111          4,761           5.2       61           4,730           5.1
                                          ---------- --------------              ---------- --------------             
  Subtotal...............................       115          5,177           4.9       64           5,293           4.8
                                          ---------- --------------              ---------- --------------             
Ba                                                                                                                     
Single name credit default swaps (3).....         1            105           3.4       (2)            115           4.2
Credit default swaps referencing indices.        --             --            --       --              --            --
                                          ---------- --------------              ---------- --------------             
  Subtotal...............................         1            105           3.4       (2)            115           4.2
                                          ---------- --------------              ---------- --------------             
B                                                                                                                      
Single name credit default swaps (3).....         2             20           3.5       --              70           1.8
Credit default swaps referencing indices.        18            220           5.0       16             225           5.0
                                          ---------- --------------              ---------- --------------             
  Subtotal...............................        20            240           4.9       16             295           4.2
                                          ---------- --------------              ---------- --------------             
  Total..................................  $    181   $      7,874           4.2  $   111    $      8,025           4.4
                                           ========   ============                =======    ============              

--------                                                                        

(1)The rating agency designations are based on availability and the midpoint of 
 the applicable ratings among Moody's Investors Service ("Moody's"), S&P and
Fitch Ratings. If no rating is available from a rating agency, then an    
internally developed rating is used.                                      

(2)The weighted average years to maturity of the credit default swaps is        
calculated based on weighted average gross notional amounts.              

(3)Single name credit default swaps may be referenced to the credit of          
corporations, foreign governments, or state and political subdivisions.   

The Company has also entered into credit default swaps to purchase credit   
protection on certain of the referenced credit obligations in the table above.  
As a result, the maximum amounts of potential future recoveries available to    
offset the $7.9 billion and $8.0 billion from the table above were $27 million  
and $30 million at December 31, 2017 and 2016, respectively.                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Credit Risk on Freestanding Derivatives                                         

The Company may be exposed to credit-related losses in the event of         
nonperformance by its counterparties to derivatives. Generally, the current     
credit exposure of the Company's derivatives is limited to the net positive     
estimated fair value of derivatives at the reporting date after taking into     
consideration the existence of master netting or similar agreements and any     
collateral received pursuant to such agreements.                                

The Company manages its credit risk related to derivatives by entering into 
transactions with creditworthy counterparties and establishing and monitoring   
exposure limits. The Company's OTC-bilateral derivative transactions are        
governed by ISDA Master Agreements which provide for legally enforceable        
set-off and close-out netting of exposures to specific counterparties in the    
event of early termination of a transaction, which includes, but is not limited 
to, events of default and bankruptcy. In the event of an early termination, the 
Company is permitted to set off receivables from the counterparty against       
payables to the same counterparty arising out of all included transactions.     
Substantially all of the Company's ISDA Master Agreements also include Credit   
Support Annex provisions which require both the pledging and accepting of       
collateral in connection with its OTC-bilateral derivatives.                    

The Company's OTC-cleared derivatives are effected through central clearing 
counterparties and its exchange-traded derivatives are effected through         
regulated exchanges. Such positions are marked to market and margined on a      
daily basis (both initial margin and variation margin), and the Company has     
minimal exposure to credit-related losses in the event of nonperformance by     
counterparties to such derivatives.                                             

See Note 10 for a description of the impact of credit risk on the valuation 
of derivatives.                                                                 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The estimated fair values of the Company's net derivative assets and net  
derivative liabilities after the application of master netting agreements and   
collateral were as follows at:                                                  

                                                        [Enlarge/Download Table]

                                                                                         December 31,                   
                                                                      --------------------------------------------------
                                                                                2017                      2016          
                                 -                                    ------------------------  ------------------------
Derivatives Subject to a Master Netting Arrangement or a Similar                                                        
Arrangement                                                              Assets    Liabilities     Assets    Liabilities
--------------------------------------------------------------------  -----------  -----------  -----------  -----------
                                                                                        (In millions)                   
                                                                                                                        
Gross estimated fair value of derivatives:                                                                              
OTC-bilateral (1)....................................................  $    6,478   $    2,203   $    7,926   $    3,349
OTC-cleared (1), (6).................................................         168          216          905          611
Exchange-traded......................................................           6            3           13           --
                                                                      -----------  -----------  -----------  -----------
  Total gross estimated fair value of derivatives (1)................       6,652        2,422        8,844        3,960
Amounts offset on the consolidated balance sheets....................          --           --           --           --
                                                                      -----------  -----------  -----------  -----------
  Estimated fair value of derivatives presented on the consolidated                                                     
   balance sheets (1), (6)...........................................       6,652        2,422        8,844        3,960
Gross amounts not offset on the consolidated balance sheets:                                                            
Gross estimated fair value of derivatives: (2)                                                                          
OTC-bilateral........................................................      (1,891)      (1,891)      (2,737)     (2,737)
OTC-cleared..........................................................         (31)         (31)        (391)       (391)
Exchange-traded......................................................          --           --           --           --
Cash collateral: (3), (4)                                                                                               
OTC-bilateral........................................................      (3,448)          --       (3,418)          --
OTC-cleared..........................................................        (131)        (179)        (497)       (217)
Exchange-traded......................................................          --           --           --           --
Securities collateral: (5)                                                                                              
OTC-bilateral........................................................        (954)        (312)      (1,560)       (609)
OTC-cleared..........................................................          --           (6)          --           --
Exchange-traded......................................................          --           (3)          --           --
                                                                      -----------  -----------  -----------  -----------
  Net amount after application of master netting agreements and                                                         
   collateral........................................................  $      197   $       --   $      241   $        6
                                                                      ===========  ===========  ===========  ===========

--------                                                                        

(1)At December 31, 2017 and 2016, derivative assets included income or          
(expense) accruals reported in accrued investment income or in other      
liabilities of $60 million and $116 million, respectively, and derivative 
liabilities included (income) or expense accruals reported in accrued     
investment income or in other liabilities of ($20) million and ($36)      
million, respectively.                                                    

(2)Estimated fair value of derivatives is limited to the amount that is subject 
to set-off and includes income or expense accruals.                       

(3)Cash collateral received by the Company for OTC-bilateral and OTC-cleared    
  derivatives is included in cash and cash equivalents, short-term investments
  or in fixed maturity securities, and the obligation to return it is included
  in payables for collateral under securities loaned and other transactions on
the balance sheet.                                                        

(4)The receivable for the return of cash collateral provided by the Company is  
inclusive of initial margin on exchange-traded and OTC-cleared derivatives
and is included in premiums, reinsurance and other receivables on the     
balance sheet. The amount of cash collateral offset in the table above is 
 limited to the net estimated fair value of derivatives after application of
netting agreements. At December 31, 2017 and 2016, the Company received   
excess cash collateral of $122 million and $77 million, respectively, and 
 provided excess cash collateral of $9 million and $9 million, respectively,
which is not included in the table above due to the foregoing limitation. 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

(5)Securities collateral received by the Company is held in separate custodial  
accounts and is not recorded on the balance sheet. Subject to certain     
 constraints, the Company is permitted by contract to sell or re-pledge this
collateral, but at December 31, 2017, none of the collateral had been sold
or re-pledged. Securities collateral pledged by the Company is reported in
fixed maturity securities on the balance sheet. Subject to certain        
constraints, the counterparties are permitted by contract to sell or      
  re-pledge this collateral. The amount of securities collateral offset in the
 table above is limited to the net estimated fair value of derivatives after
 application of netting agreements and cash collateral. At December 31, 2017
and 2016, the Company received excess securities collateral with an       
estimated fair value of $30 million and $21 million, respectively, for its
 OTC-bilateral derivatives, which are not included in the table above due to
the foregoing limitation. At December 31, 2017 and 2016, the Company      
provided excess securities collateral with an estimated fair value of     
$152 million and $75 million, respectively, for its OTC-bilateral         
derivatives, and $299 million and $531 million, respectively, for its     
  OTC-cleared derivatives, and $50 million and $116 million, respectively, for
its exchange-traded derivatives, which are not included in the table above
due to the foregoing limitation.                                          

(6)Effective January 3, 2017, the CME amended its rulebook, resulting in the    
characterization of variation margin transfers as settlement payments, as 
 opposed to adjustments to collateral. See Note 1 for further information on
the CME amendments.                                                       

The Company's collateral arrangements for its OTC-bilateral derivatives   
generally require the counterparty in a net liability position, after           
considering the effect of netting agreements, to pledge collateral when the     
amount owed by that party reaches a minimum transfer amount. A small number of  
these arrangements also include financial strength or credit rating contingent  
provisions that include a threshold above which collateral must be posted. Such 
agreements provide for a reduction of these thresholds (on a sliding scale that 
converges toward zero) in the event of downgrades in credit ratings of          
Metropolitan Life Insurance Company and/or the credit ratings of the            
counterparty. In addition, substantially all of the Company's netting           
agreements for derivatives contain provisions that require both Metropolitan    
Life Insurance Company and the counterparty to maintain a specific investment   
grade financial strength or credit rating from each of Moody's and S&P. If a    
party's financial strength or credit ratings were to fall below that specific   
investment grade financial strength or credit rating, that party would be in    
violation of these provisions, and the other party to the derivatives could     
terminate the transactions and demand immediate settlement and payment based on 
such party's reasonable valuation of the derivatives.                           

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The following table presents the estimated fair value of the Company's    
OTC-bilateral derivatives that were in a net liability position after           
considering the effect of netting agreements, together with the estimated fair  
value and balance sheet location of the collateral pledged. The table also      
presents the incremental collateral that Metropolitan Life Insurance Company    
would be required to provide if there was a one-notch downgrade in its          
financial strength or credit rating, as applicable, at the reporting date or if 
its financial strength or credit rating, as applicable, at the reporting date   
sustained a downgrade to a level that triggered full overnight                  
collateralization or termination of the derivative position. OTC-bilateral      
derivatives that are not subject to collateral agreements are excluded from     
this table.                                                                     

                                                        [Enlarge/Download Table]

                                                                               December 31,                            
                                                   --------------------------------------------------------------------
                                                                  2017                              2016               
                                                   ---------------------------------- ---------------------------------
                                                    Derivatives  Derivatives          Derivatives  Derivatives         
                                                    Subject to   Not Subject          Subject to   Not Subject         
                                                    Financial    to Financial          Financial   to Financial        
                                                    Strength-     Strength-            Strength-    Strength-          
                                                    Contingent   Contingent           Contingent   Contingent          
                                                    Provisions   Provisions    Total  Provisions   Provisions    Total 
                                                   ------------ ------------- ------- ----------- ------------- -------
                                                                              (In millions)                            
                                                                                                                       
Estimated Fair Value of Derivatives in a Net                                                                           
 Liability Position (1)...........................   $   313       $   --     $   313   $   612      $   --     $   612
Estimated Fair Value of Collateral Provided:                                                                           
Fixed maturity securities.........................   $   399       $   --     $   399   $   684      $   --     $   684
Cash..............................................   $    --       $   --     $    --   $    --      $   --     $    --
Estimated Fair Value of Incremental Collateral                                                                         
 Provided Upon:                                                                                                        
One-notch downgrade in financial strength or                                                                           
 credit rating, as applicable.....................   $    --       $   --     $    --   $    --      $   --     $    --
Downgrade in financial strength or credit rating,                                                                      
 as applicable, to a level that triggers full                                                                          
 overnight collateralization or termination of                                                                         
 the derivative position..........................   $    --       $   --     $    --   $    --      $   --     $    --

-------------                                                                   

(1)After taking into consideration the existence of netting agreements.         

Embedded Derivatives                                                            

The Company issues certain products or purchases certain investments that 
contain embedded derivatives that are required to be separated from their host  
contracts and accounted for as freestanding derivatives. These host contracts   
principally include: variable annuities with guaranteed minimum benefits,       
including GMWBs, GMABs and certain GMIBs; affiliated ceded reinsurance of       
guaranteed minimum benefits related to GMWBs, GMABs and certain GMIBs;          
affiliated assumed reinsurance of guaranteed minimum benefits related to GMWBs, 
GMABs, and certain GMIBs; funds withheld on ceded reinsurance and affiliated    
funds withheld on ceded reinsurance; fixed annuities with equity indexed        
returns; and certain debt and equity securities.                                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The following table presents the estimated fair value and balance sheet   
location of the Company's embedded derivatives that have been separated from    
their host contracts at:                                                        

                                                        [Enlarge/Download Table]

                                                                                            December 31,     
                                                                                        -------------------- 
                                                     Balance Sheet Location               2017       2016    
                                           -------------------------------------------- --------  ---------- 
                                                                                            (In millions)    
                                                                                                             
Embedded derivatives within asset host                                                                       
 contracts:                                                                                                  
Ceded guaranteed minimum benefits......... Premiums, reinsurance and other receivables.  $    --   $     460 
Options embedded in debt or equity                                                                           
 securities............................... Investments.................................     (113)        (78)
                                                                                        --------  ---------- 
 Embedded derivatives within asset host contracts.....................................   $  (113)  $     382 
                                                                                        ========  ========== 
Embedded derivatives within liability                                                                        
 host contracts:                                                                                             
Direct guaranteed minimum benefits........ Policyholder account balances...............  $   (94)  $     169 
Assumed guaranteed minimum benefits....... Policyholder account balances...............        3         390 
Funds withheld on ceded reinsurance....... Other liabilities...........................      898         777 
Fixed annuities with equity indexed                                                                          
 returns.................................. Policyholder account balances...............       69          17 
                                                                                        --------  ---------- 
 Embedded derivatives within liability host contracts.................................   $   876   $   1,353 
                                                                                        ========  ========== 

The following table presents changes in estimated fair value related to   
embedded derivatives:                                                           

                                                                [Download Table]

                                                Years Ended December 31,        
                                        ----------------------------------------
                                            2017          2016          2015    
                                        ------------ -------------- ------------
                                                     (In millions)              
                                                                                
Net derivative gains (losses) (1), (2). $        427 $        (423) $        418

-------------                                                                   

(1)The valuation of direct and assumed guaranteed minimum benefits includes a   
  nonperformance risk adjustment. The amounts included in net derivative gains
 (losses) in connection with this adjustment were ($65) million, $76 million
and $29 million for the years ended December 31, 2017, 2016 and 2015,     
respectively. In addition, the valuation of ceded guaranteed minimum      
 benefits includes a nonperformance risk adjustment. The amounts included in
net derivative gains (losses) in connection with this adjustment were less
than $1 million, ($29) million and ($4) million for the years ended       
December 31, 2017, 2016 and 2015, respectively.                           

(2)See Note 6 for discussion of affiliated net derivative gains (losses).       

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value                                                                  

When developing estimated fair values, the Company considers three broad  
valuation approaches: (i) the market approach, (ii) the income approach, and    
(iii) the cost approach. The Company determines the most appropriate valuation  
approach to use, given what is being measured and the availability of           
sufficient inputs, giving priority to observable inputs. The Company            
categorizes its assets and liabilities measured at estimated fair value into a  
three-level hierarchy, based on the significant input with the lowest level in  
its valuation. The input levels are as follows:                                 

Level 1  Unadjusted quoted prices in active markets for identical assets or     
  liabilities. The Company defines active markets based on average
      trading volume for equity securities. The size of the bid/ask spread
is used as an indicator of market activity for fixed maturity 
securities.                                                   

Level 2  Quoted prices in markets that are not active or inputs that are        
    observable either directly or indirectly. These inputs can include
   quoted prices for similar assets or liabilities other than quoted
     prices in Level 1, quoted prices in markets that are not active, or
other significant inputs that are observable or can be derived
principally from or corroborated by observable market data for
substantially the full term of the assets or liabilities.     

Level 3  Unobservable inputs that are supported by little or no market          
     activity and are significant to the determination of estimated fair
     value of the assets or liabilities. Unobservable inputs reflect the
      reporting entity's own assumptions about the assumptions that market
participants would use in pricing the asset or liability.     

Financial markets are susceptible to severe events evidenced by rapid     
depreciation in asset values accompanied by a reduction in asset liquidity. The 
Company's ability to sell securities, or the price ultimately realized for      
these securities, depends upon the demand and liquidity in the market and       
increases the use of judgment in determining the estimated fair value of        
certain securities.                                                             

Considerable judgment is often required in interpreting market data to    
develop estimates of fair value, and the use of different assumptions or        
valuation methodologies may have a material effect on the estimated fair value  
amounts.                                                                        

Recurring Fair Value Measurements                                               

The assets and liabilities measured at estimated fair value on a recurring
basis and their corresponding placement in the fair value hierarchy, including  
those items for which the Company has elected the FVO, are presented below at:  

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                                                                    December 31, 2017                          
                                                          ---------------------------------------------------------------------
                                                                         Fair Value Hierarchy                                  
                                                          ---------------------------------------------------                  
                                                                                                                   Total       
                                                                                                                 Estimated     
                                                              Level 1           Level 2          Level 3         Fair Value    
                                                          ---------------- ----------------- ---------------- -----------------
                                                                                      (In millions)                            
                                                                                                                               
Assets                                                                                                                         
Fixed maturity securities:                                                                                                     
U.S. corporate...........................................  $            --  $         54,629  $         3,461  $         58,090
U.S. government and agency...............................           18,802            19,743               --            38,545
Foreign corporate........................................               --            21,471            4,125            25,596
RMBS.....................................................               --            19,372            3,262            22,634
ABS......................................................               --             7,079              787             7,866
State and political subdivision..........................               --             7,551               --             7,551
CMBS.....................................................               --             5,461               27             5,488
Foreign government.......................................               --             4,471               31             4,502
                                                          ---------------- ----------------- ---------------- -----------------
  Total fixed maturity securities........................           18,802           139,777           11,693           170,272
                                                          ---------------- ----------------- ---------------- -----------------
Equity securities........................................              399               893              366             1,658
Short-term investments...................................            2,056             1,092                7             3,155
Residential mortgage loans -- FVO........................               --                --              520               520
Derivative assets: (1)                                                                                                         
Interest rate............................................                1             4,556                8             4,565
Foreign currency exchange rate...........................               --             1,405               --             1,405
Credit...................................................               --               149               39               188
Equity market............................................                5               363               66               434
                                                          ---------------- ----------------- ---------------- -----------------
  Total derivative assets................................                6             6,473              113             6,592
                                                          ---------------- ----------------- ---------------- -----------------
Embedded derivatives within asset host contracts (2).....               --                --               --                --
Separate account assets (3)..............................           23,571           106,294              960           130,825
                                                          ---------------- ----------------- ---------------- -----------------
  Total assets...........................................  $        44,834  $        254,529  $        13,659  $        313,022
                                                          ================ ================= ================ =================
Liabilities                                                                                                                    
Derivative liabilities: (1)                                                                                                    
Interest rate............................................  $             2  $            351  $           130  $            483
Foreign currency exchange rate...........................               --             1,261                5             1,266
Credit...................................................               --                 8               --                 8
Equity market............................................                1               515              169               685
                                                          ---------------- ----------------- ---------------- -----------------
  Total derivative liabilities...........................                3             2,135              304             2,442
                                                          ---------------- ----------------- ---------------- -----------------
Embedded derivatives within liability host contracts (2).               --                --              876               876
Long-term debt...........................................               --                --               --                --
Separate account liabilities (3).........................               --                 7                2                 9
                                                          ---------------- ----------------- ---------------- -----------------
  Total liabilities......................................  $             3  $          2,142  $         1,182  $          3,327
                                                          ================ ================= ================ =================

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                                                                  December 31, 2016                        
                                                          -----------------------------------------------------------------
                                                                         Fair Value Hierarchy                              
                                                          --------------------------------------------------               
                                                                                                                 Total     
                                                                                                               Estimated   
                                                              Level 1          Level 2          Level 3        Fair Value  
                                                          ---------------- ---------------- ---------------- --------------
                                                                                    (In millions)                          
                                                                                                                           
Assets                                                                                                                     
Fixed maturity securities:                                                                                                 
U.S. corporate...........................................  $            --  $        51,303  $         4,855  $      56,158
U.S. government and agency...............................           17,597           18,018               --         35,615
Foreign corporate........................................               --           20,373            3,984         24,357
RMBS.....................................................               --           19,719            3,698         23,417
ABS......................................................               --            6,745              759          7,504
State and political subdivision..........................               --            7,126               10          7,136
CMBS.....................................................               --            4,851               84          4,935
Foreign government.......................................               --            3,977               21          3,998
                                                          ---------------- ---------------- ---------------- --------------
  Total fixed maturity securities........................           17,597          132,112           13,411        163,120
                                                          ---------------- ---------------- ---------------- --------------
Equity securities........................................              408            1,011              420          1,839
Short-term investments...................................            2,945            1,720               25          4,690
Residential mortgage loans -- FVO........................               --               --              566            566
Derivative assets: (1)                                                                                                     
Interest rate............................................                3            5,489                2          5,494
Foreign currency exchange rate...........................               --            2,763               --          2,763
Credit...................................................               --              101               30            131
Equity market............................................               10              226              104            340
                                                          ---------------- ---------------- ---------------- --------------
  Total derivative assets................................               13            8,579              136          8,728
                                                          ---------------- ---------------- ---------------- --------------
Embedded derivatives within asset host contracts (2).....               --               --              460            460
Separate account assets (3)..............................           27,633          105,055            1,148        133,836
                                                          ---------------- ---------------- ---------------- --------------
  Total assets...........................................  $        48,596  $       248,477  $        16,166  $     313,239
                                                          ================ ================ ================ ==============
Liabilities                                                                                                                
Derivative liabilities: (1)                                                                                                
Interest rate............................................  $            --  $           917  $           500  $       1,417
Foreign currency exchange rate...........................               --            1,902                2          1,904
Credit...................................................               --               14               --             14
Equity market............................................               --              468              193            661
                                                          ---------------- ---------------- ---------------- --------------
  Total derivative liabilities...........................               --            3,301              695          3,996
                                                          ---------------- ---------------- ---------------- --------------
Embedded derivatives within liability host contracts (2).               --               --            1,353          1,353
Long-term debt...........................................               --               --               74             74
Separate account liabilities (3).........................               --               16                7             23
                                                          ---------------- ---------------- ---------------- --------------
  Total liabilities......................................  $            --  $         3,317  $         2,129  $       5,446
                                                          ================ ================ ================ ==============

-------------                                                                   

(1)Derivative assets are presented within other invested assets on the          
 consolidated balance sheets and derivative liabilities are presented within
other liabilities on the consolidated balance sheets. The amounts are     
presented gross in the tables above to reflect the presentation on the    
consolidated balance sheets, but are presented net for purposes of the    
rollforward in the Fair Value Measurements Using Significant Unobservable 
Inputs (Level 3) tables.                                                  

(2)Embedded derivatives within asset host contracts are presented within        
premiums, reinsurance and other receivables on the consolidated balance   
sheets. Embedded derivatives within liability host contracts are presented
within policyholder account balances and other liabilities on the         
 consolidated balance sheets. At December 31, 2017 and 2016, debt and equity
securities also included embedded derivatives of ($113) million and ($78) 
million, respectively.                                                    

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(3)Investment performance related to separate account assets is fully offset by 
corresponding amounts credited to contractholders whose liability is      
 reflected within separate account liabilities. Separate account liabilities
are set equal to the estimated fair value of separate account assets.     
Separate account liabilities presented in the tables above represent      
derivative liabilities.                                                   

The following describes the valuation methodologies used to measure assets
and liabilities at fair value. The description includes the valuation           
techniques and key inputs for each category of assets or liabilities that are   
classified within Level 2 and Level 3 of the fair value hierarchy.              

Investments                                                                 

Valuation Controls and Procedures                                         

   On behalf of the Company's and MetLife, Inc.'s Chief Investment Officer
and Chief Financial Officer, a pricing and valuation committee that is    
independent of the trading and investing functions and comprised of senior
  management, provides oversight of control systems and valuation policies for
securities, mortgage loans and derivatives. On a quarterly basis, this    
committee reviews and approves new transaction types and markets, ensures 
that observable market prices and market-based parameters are used for    
valuation, wherever possible, and determines that judgmental valuation    
adjustments, when applied, are based upon established policies and are    
applied consistently over time. This committee also provides oversight of 
 the selection of independent third-party pricing providers and the controls
and procedures to evaluate third-party pricing. Periodically, the Chief   
 Accounting Officer reports to the Audit Committee of the Board of Directors
of each of MetLife, Inc. and Metropolitan Life Insurance Company regarding
compliance with fair value accounting standards.                          

   The Company reviews its valuation methodologies on an ongoing basis and
revises those methodologies when necessary based on changing market       
  conditions. Assurance is gained on the overall reasonableness and consistent
application of input assumptions, valuation methodologies and compliance  
with fair value accounting standards through controls designed to ensure  
  valuations represent an exit price. Several controls are utilized, including
  certain monthly controls, which include, but are not limited to, analysis of
 portfolio returns to corresponding benchmark returns, comparing a sample of
executed prices of securities sold to the fair value estimates, comparing 
fair value estimates to management's knowledge of the current market,     
reviewing the bid/ask spreads to assess activity, comparing prices from   
multiple independent pricing services and ongoing due diligence to confirm
that independent pricing services use market-based parameters. The process
includes a determination of the observability of inputs used in estimated 
fair values received from independent pricing services or brokers by      
assessing whether these inputs can be corroborated by observable market   
data. The Company ensures that prices received from independent brokers,  
also referred to herein as "consensus pricing," represent a reasonable    
  estimate of fair value by considering such pricing relative to the Company's
knowledge of the current market dynamics and current pricing for similar  
financial instruments. While independent non-binding broker quotations are
 utilized, they are not used for a significant portion of the portfolio. For
example, fixed maturity securities priced using independent non-binding   
broker quotations represent less than 1% of the total estimated fair value
of fixed maturity securities and 1% of the total estimated fair value of  
Level 3 fixed maturity securities at December 31, 2017.                   

The Company also applies a formal process to challenge any prices   
received from independent pricing services that are not considered        
 representative of estimated fair value. If prices received from independent
pricing services are not considered reflective of market activity or      
representative of estimated fair value, independent non-binding broker    
quotations are obtained, or an internally developed valuation is prepared.
Internally developed valuations of current estimated fair value, which    
reflect internal estimates of liquidity and nonperformance risks, compared
  with pricing received from the independent pricing services, did not produce
material differences in the estimated fair values for the majority of the 
portfolio; accordingly, overrides were not material. This is, in part,    
because internal estimates of liquidity and nonperformance risks are      
generally based on available market evidence and estimates used by other  
market participants. In the absence of such market-based evidence,        
management's best estimate is used.                                       

Securities, Short-term Investments and Long-term Debt                     

   When available, the estimated fair value of these financial instruments
is based on quoted prices in active markets that are readily and regularly
  obtainable. Generally, these are the most liquid of the Company's securities
holdings and valuation of these securities does not involve management's  
judgment.                                                                 

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

     When quoted prices in active markets are not available, the determination
  of estimated fair value is based on market standard valuation methodologies,
giving priority to observable inputs. The significant inputs to the market
standard valuation methodologies for certain types of securities with     
reasonable levels of price transparency are inputs that are observable in 
the market or can be derived principally from, or corroborated by,        
  observable market data. When observable inputs are not available, the market
 standard valuation methodologies rely on inputs that are significant to the
estimated fair value that are not observable in the market or cannot be   
 derived principally from, or corroborated by, observable market data. These
unobservable inputs can be based in large part on management's judgment or
estimation and cannot be supported by reference to market activity. Even  
though these inputs are unobservable, management believes they are        
consistent with what other market participants would use when pricing such
securities and are considered appropriate given the circumstances.        

The estimated fair value of long-term debt is determined on a basis 
consistent with the methodologies described herein for securities.        

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

The valuation of most instruments listed below is determined using  
independent pricing sources, matrix pricing, discounted cash flow         
 methodologies or other similar techniques that use either observable market
inputs or unobservable inputs.                                            

----------------------------------------------------------------------------- 
Instrument              Level 2                          Level 3              
           Observable Inputs               Unobservable Inputs
----------------------------------------------------------------------------- 
Fixed maturity securities                                                     
----------------------------------------------------------------------------- 
U.S. corporate and Foreign corporate securities                             
----------------------------------------------------------------------------- 
Valuation Approaches:            Valuation Approaches:
            Principally the market and      Principally the market approach.
income approaches.                                  
Key Inputs:                      Key Inputs:          
. quoted prices in markets that  . illiquidity premium
are not active                                    
         . benchmark yields; spreads off  .  delta spread adjustments to
benchmark yields; new            reflect specific 
    issuances; issuer rating         credit-related issues
. trades of identical or         . credit spreads     
comparable securities;                            
duration                                          
      . Privately-placed securities    .  quoted prices in markets
       are valued using the              that are not active for
    additional key inputs:            identical or similar
      . market yield curve; call          securities that are less
         provisions                        liquid and based on lower
        . observable prices and spreads     levels of trading activity
          for similar public or private     than securities classified
securities that                   in Level 2      
           incorporate the credit     .  independent non-binding
 quality and industry sector       broker quotations
of the issuer                                     
. delta spread adjustments to                         
reflect specific                                  
credit-related issues                             
----------------------------------------------------------------------------- 
U.S. government and agency, State and political subdivision and Foreign     
government securities                                                     
----------------------------------------------------------------------------- 
Valuation Approaches:            Valuation Approaches:
           Principally the market approach. Principally the market approach.
Key Inputs:                      Key Inputs:          
          . quoted prices in markets that  .independent non-binding broker
are not active                  quotations        
          . benchmark U.S. Treasury yield  . quoted prices in markets that
            or other yields                   are not active for identical
                                            or similar securities that
                                              are less liquid and based on
     . the spread off the U.S.           lower levels of trading
        Treasury yield curve for the      activity than securities
     identical security                classified in Level 2
. issuer ratings and issuer                           
spreads; broker-dealer quotes  .credit spreads    
. comparable securities that                          
are actively traded                               
----------------------------------------------------------------------------- 
Structured Securities                                                       
----------------------------------------------------------------------------- 
Valuation Approaches:            Valuation Approaches:
     Principally the market and       Principally the market and
income approaches.               income approaches.   
Key Inputs:                      Key Inputs:          
. quoted prices in markets that                       
are not active                 . credit spreads   
      . spreads for actively traded    .  quoted prices in markets
       securities; spreads off           that are not active for
    benchmark yields                  identical or similar
      . expected prepayment speeds        securities that are less
         and volumes                       liquid and based on lower
        . current and forecasted loss       levels of trading activity
          severity; ratings; geographic     than securities classified
region                            in Level 2      
    . weighted average coupon and    . independent non-binding
weighted average maturity       broker quotations 
. average delinquency rates;                          
debt-service coverage ratios                      
. issuance-specific                                   
information, including, but                       
not limited to:                                   
. collateral type; structure of                       
the security; vintage of the                      
loans                                             
. payment terms of the                                
underlying assets                                 
. payment priority within the                         
tranche; deal performance                         
----------------------------------------------------------------------------- 

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]
                                                                                                                           
                                   Level 2                                                 Level 3                         
Instrument                    Observable Inputs                                      Unobservable Inputs                   
---------------------------------------------------------------------------------------------------------------------------
Equity securities                                                                                                          
---------------------------------------------------------------------------------------------------------------------------
            Valuation Approaches: Principally the market approach.  Valuation Approaches: Principally the market and       
                                                                     income approaches.                                    
            Key Input:                                              Key Inputs:                                            
            . quoted prices in markets that are not considered                                                             
              active                                                . credit ratings; issuance structures                  
                                                                    .  quoted prices in markets that are not active for    
                                                                       identical or similar securities that are less       
                                                                       liquid and based on lower levels of trading         
                                                                       activity than securities classified in Level 2      
                                                                    . independent non-binding broker quotations            
---------------------------------------------------------------------------------------------------------------------------
Short-term investments                                                                                                     
---------------------------------------------------------------------------------------------------------------------------
            .  Short-term investments are of a similar nature and   .  Short-term investments are of a similar nature and  
               class to the fixed maturity and equity securities       class to the fixed maturity and equity securities   
               described above; accordingly, the valuation             described above; accordingly, the valuation         
               approaches and observable inputs used in their          approaches and unobservable inputs used in their    
               valuation are also similar to those described above.    valuation are also similar to those described above.
---------------------------------------------------------------------------------------------------------------------------
 Residential mortgage loans -- FVO                                                                                         
---------------------------------------------------------------------------------------------------------------------------
            . N/A                                                   Valuation Approaches: Principally the market approach. 
                                                                    Valuation Techniques and Key Inputs: These investments 
                                                                       are based primarily on matrix pricing or other      
                                                                       similar techniques that utilize inputs from         
                                                                       mortgage servicers that are unobservable or cannot  
                                                                       be derived principally from, or corroborated by,    
                                                                       observable market data.                             
---------------------------------------------------------------------------------------------------------------------------
Separate account assets and Separate account liabilities (1)                                                               
---------------------------------------------------------------------------------------------------------------------------
 Mutual funds and hedge funds without readily determinable fair values as prices are not published publicly                
---------------------------------------------------------------------------------------------------------------------------
            Key Input:                                              .  N/A                                                 
            .  quoted prices or reported NAV provided by the fund                                                          
                      managers                                                                                             
---------------------------------------------------------------------------------------------------------------------------
Other limited partnership interests                                                                                        
---------------------------------------------------------------------------------------------------------------------------
            . N/A                                                   Valued giving consideration to the underlying holdings 
                                                                      of the partnerships and by applying a premium or     
                                                                      discount, if appropriate.                            
                                                                    Key Inputs:                                            
                                                                    .liquidity; bid/ask spreads; performance record of the 
                                                                     fund manager                                          
                                                                    .other relevant variables that may impact the exit     
                                                                     value of the particular partnership interest          
---------------------------------------------------------------------------------------------------------------------------

--------                                                                        

(1)Estimated fair value equals carrying value, based on the value of the        
underlying assets, including: mutual fund interests, fixed maturity       
securities, equity securities, derivatives, hedge funds, other limited    
  partnership interests, short-term investments and cash and cash equivalents.
Fixed maturity securities, equity securities, derivatives, short-term     
investments and cash and cash equivalents are similar in nature to the    
instruments described under "-- Securities, Short-term Investments and    
Long-term Debt" and "-- Derivatives -- Freestanding Derivatives."         

Derivatives                                                                 

The estimated fair value of derivatives is determined through the use of
quoted market prices for exchange-traded derivatives, or through the use of 
pricing models for OTC-bilateral and OTC-cleared derivatives. The           
determination of estimated fair value, when quoted market values are not    
available, is based on market standard valuation methodologies and inputs   
that management believes are consistent with what other market participants 
would use when pricing such instruments. Derivative valuations can be       
affected by changes in interest rates, foreign currency exchange rates,     
financial indices, credit spreads, default risk, nonperformance risk,       
volatility, liquidity and changes in estimates and assumptions used in the  
pricing models. The valuation controls and procedures for derivatives are   
described in "-- Investments."                                              

 The significant inputs to the pricing models for most OTC-bilateral and
OTC-cleared derivatives are inputs that are observable in the market or can 
be derived principally from, or corroborated by, observable market data.    
 Certain OTC-bilateral and OTC-cleared derivatives may rely on inputs that are
 significant to the estimated fair value that are not observable in the market
or cannot be derived principally from, or corroborated by, observable market
data. These unobservable inputs may involve significant management judgment 
or estimation. Even though unobservable, these inputs are based on          
assumptions deemed appropriate given the circumstances and management       
believes they are consistent with what other market participants would use  
when pricing such instruments.                                              

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

  Most inputs for OTC-bilateral and OTC-cleared derivatives are mid-market
inputs but, in certain cases, liquidity adjustments are made when they are  
deemed more representative of exit value. Market liquidity, as well as the  
use of different methodologies, assumptions and inputs, may have a material 
effect on the estimated fair values of the Company's derivatives and could  
materially affect net income.                                               

    The credit risk of both the counterparty and the Company are considered in
determining the estimated fair value for all OTC-bilateral and OTC-cleared  
 derivatives, and any potential credit adjustment is based on the net exposure
by counterparty after taking into account the effects of netting agreements 
and collateral arrangements. The Company values its OTC-bilateral and       
 OTC-cleared derivatives using standard swap curves which may include a spread
to the risk-free rate, depending upon specific collateral arrangements. This
 credit spread is appropriate for those parties that execute trades at pricing
levels consistent with similar collateral arrangements. As the Company and  
its significant derivative counterparties generally execute trades at such  
pricing levels and hold sufficient collateral, additional credit risk       
adjustments are not currently required in the valuation process. The        
Company's ability to consistently execute at such pricing levels is in part 
due to the netting agreements and collateral arrangements that are in place 
with all of its significant derivative counterparties. An evaluation of the 
requirement to make additional credit risk adjustments is performed by the  
Company each reporting period.                                              

Freestanding Derivatives                                                    

Level 2 Valuation Approaches and Key Inputs:                              

   This level includes all types of derivatives utilized by the Company with
the exception of exchange-traded derivatives included within Level 1 and    
those derivatives with unobservable inputs as described in Level 3.         

Level 3 Valuation Approaches and Key Inputs:                              

  These valuation methodologies generally use the same inputs as described
in the corresponding sections for Level 2 measurements of derivatives.      
However, these derivatives result in Level 3 classification because one or  
more of the significant inputs are not observable in the market or cannot be
derived principally from, or corroborated by, observable market data.       

    Freestanding derivatives are principally valued using the income approach.
Valuations of non-option-based derivatives utilize present value techniques,
 whereas valuations of option-based derivatives utilize option pricing models.
Key inputs are as follows:                                                  

                                                        [Enlarge/Download Table]

       Instrument              Interest Rate            Foreign Currency               Credit                Equity Market       
                                                         Exchange Rate                                                           
---------------------------------------------------------------------------------------------------------------------------------
                                                                                                                                 
Inputs common to          . swap yield curves       .swap yield curves        .swap yield curves        .swap yield curves       
 Level 2 and Level 3      . basis curves            .basis curves             .credit curves            .spot equity index levels
 by instrument type       . interest rate           .currency spot rates      .recovery rates           .dividend yield curves   
                            volatility (1)          .cross currency basis                               .equity volatility (1)   
                                                     curves                                                                      
---------------------------------------------------------------------------------------------------------------------------------
Level 3                   . swap yield curves (2)   .swap yield curves (2)    .swap yield curves (2)    .dividend yield curves   
                          . basis curves (2)        .basis curves (2)         .credit curves (2)         (2)                     
                          . repurchase rates        .cross currency basis     .credit spreads           .equity volatility (1),  
                                                      curves (2)              .repurchase rates          (2)                     
                                                    .currency correlation     .independent non-binding  .correlation between     
                                                                                broker quotations         model inputs (1)       

--------                                                                        

(1)Option-based only.                                                           

(2)Extrapolation beyond the observable limits of the curve(s).                  

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

Embedded Derivatives                                                        

    Embedded derivatives principally include certain direct, assumed and ceded
variable annuity guarantees, certain affiliated ceded reinsurance agreements
 related to such variable annuity guarantees, equity or bond indexed crediting
rates within certain funding agreements and those related to funds withheld 
on ceded reinsurance agreements. Embedded derivatives are recorded at       
estimated fair value with changes in estimated fair value reported in net   
income.                                                                     

The Company issues certain variable annuity products with guaranteed  
minimum benefits. GMWBs, GMABs and certain GMIBs contain embedded           
derivatives, which are measured at estimated fair value separately from the 
 host variable annuity contract, with changes in estimated fair value reported
in net derivative gains (losses). These embedded derivatives are classified 
within policyholder account balances on the consolidated balance sheets.    

The Company's actuarial department calculates the fair value of these 
embedded derivatives, which are estimated as the present value of projected 
future benefits minus the present value of projected future fees using      
actuarial and capital market assumptions including expectations concerning  
policyholder behavior. The calculation is based on in-force business, and is
performed using standard actuarial valuation software which projects future 
 cash flows from the embedded derivative over multiple risk neutral stochastic
scenarios using observable risk-free rates.                                 

Capital market assumptions, such as risk-free rates and implied       
volatilities, are based on market prices for publicly traded instruments to 
the extent that prices for such instruments are observable. Implied         
volatilities beyond the observable period are extrapolated based on         
observable implied volatilities and historical volatilities. Actuarial      
assumptions, including mortality, lapse, withdrawal and utilization, are    
 unobservable and are reviewed at least annually based on actuarial studies of
historical experience.                                                      

   The valuation of these guarantee liabilities includes nonperformance risk
adjustments and adjustments for a risk margin related to non-capital market 
inputs. The nonperformance adjustment is determined by taking into          
consideration publicly available information relating to spreads in the     
secondary market for MetLife, Inc.'s debt, including related credit default 
swaps. These observable spreads are then adjusted, as necessary, to reflect 
the priority of these liabilities and the claims paying ability of the      
issuing insurance subsidiaries as compared to MetLife, Inc.                 

 Risk margins are established to capture the non-capital market risks of
the instrument which represent the additional compensation a market         
 participant would require to assume the risks related to the uncertainties of
such actuarial assumptions as annuitization, premium persistency, partial   
 withdrawal and surrenders. The establishment of risk margins requires the use
of significant management judgment, including assumptions of the amount and 
cost of capital needed to cover the guarantees. These guarantees may be more
costly than expected in volatile or declining equity markets. Market        
conditions including, but not limited to, changes in interest rates, equity 
indices, market volatility and foreign currency exchange rates; changes in  
nonperformance risk; and variations in actuarial assumptions regarding      
policyholder behavior, mortality and risk margins related to non-capital    
market inputs, may result in significant fluctuations in the estimated fair 
value of the guarantees that could materially affect net income.            

    The Company ceded the risk associated with certain of the GMIBs, GMABs and
GMWBs previously described. In addition to ceding risks associated with     
guarantees that are accounted for as embedded derivatives, the Company also 
ceded directly written GMIBs that are accounted for as insurance (i.e., not 
as embedded derivatives) but where the reinsurance agreement contains an    
 embedded derivative. These embedded derivatives are included within premiums,
reinsurance and other receivables on the consolidated balance sheets with   
changes in estimated fair value reported in net derivative gains (losses).  
 The value of the embedded derivatives on the ceded risk is determined using a
methodology consistent with that described previously for the guarantees    
directly written by the Company with the exception of the input for         
nonperformance risk that reflects the credit of the reinsurer.              

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

    The estimated fair value of the embedded derivatives within funds withheld
related to certain ceded reinsurance is determined based on the change in   
estimated fair value of the underlying assets held by the Company in a      
reference portfolio backing the funds withheld liability. The estimated fair
value of the underlying assets is determined as described in "-- Investments
 -- Securities, Short-term Investments and Long-term Debt." The estimated fair
value of these embedded derivatives is included, along with their funds     
withheld hosts, in other liabilities on the consolidated balance sheets with
changes in estimated fair value recorded in net derivative gains (losses).  
Changes in the credit spreads on the underlying assets, interest rates and  
market volatility may result in significant fluctuations in the estimated   
fair value of these embedded derivatives that could materially affect net   
income.                                                                     

The estimated fair value of the embedded equity and bond indexed      
derivatives contained in certain funding agreements is determined using     
 market standard swap valuation models and observable market inputs, including
a nonperformance risk adjustment. The estimated fair value of these embedded
derivatives are included, along with their funding agreements host, within  
policyholder account balances with changes in estimated fair value recorded 
in net derivative gains (losses). Changes in equity and bond indices,       
interest rates and the Company's credit standing may result in significant  
fluctuations in the estimated fair value of these embedded derivatives that 
could materially affect net income.                                         

Embedded Derivatives Within Asset and Liability Host Contracts            

Level 3 Valuation Approaches and Key Inputs:                          

Direct and assumed guaranteed minimum benefits                    

      These embedded derivatives are principally valued using the income
approach. Valuations are based on option pricing techniques, which
     utilize significant inputs that may include swap yield curves, currency
 exchange rates and implied volatilities. These embedded derivatives
     result in Level 3 classification because one or more of the significant
      inputs are not observable in the market or cannot be derived principally
from, or corroborated by, observable market data. Significant     
unobservable inputs generally include: the extrapolation beyond   
  observable limits of the swap yield curves and implied volatilities,
   actuarial assumptions for policyholder behavior and mortality and the
potential variability in policyholder behavior and mortality,     
     nonperformance risk and cost of capital for purposes of calculating the
risk margin.                                                      

Reinsurance ceded on certain guaranteed minimum benefits          

      These embedded derivatives are principally valued using the income
approach. The valuation techniques and significant market standard
unobservable inputs used in their valuation are similar to those  
    described above in "-- Direct and assumed guaranteed minimum benefits"
and also include counterparty credit spreads.                     

 Embedded derivatives within funds withheld related to certain ceded
reinsurance                                                       

      These embedded derivatives are principally valued using the income
   approach. The valuations are based on present value techniques, which
   utilize significant inputs that may include the swap yield curves and
     the fair value of assets within the reference portfolio. These embedded
     derivatives result in Level 3 classification because one or more of the
      significant inputs are not observable in the market or cannot be derived
principally from, or corroborated by, observable market data.     
 Significant unobservable inputs generally include the fair value of
    certain assets within the reference portfolio which are not observable
   in the market and cannot be derived principally from, or corroborated
by, observable market data.                                       

Transfers between Levels                                                    

Overall, transfers between levels occur when there are changes in the 
observability of inputs and market activity. Transfers into or out of any   
level are assumed to occur at the beginning of the period.                  

Transfers between Levels 1 and 2:                                         

 For assets and liabilities measured at estimated fair value and still
held at December 31, 2017 and December 31, 2016, there were no transfers  
between Levels 1 and 2.                                                   

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

Transfers into or out of Level 3:                                         

  Assets and liabilities are transferred into Level 3 when a significant
input cannot be corroborated with market observable data. This occurs when
market activity decreases significantly and underlying inputs cannot be   
observed, current prices are not available, and/or when there are         
significant variances in quoted prices, thereby affecting transparency.   
Assets and liabilities are transferred out of Level 3 when circumstances  
change such that a significant input can be corroborated with market      
observable data. This may be due to a significant increase in market      
activity, a specific event, or one or more significant input(s) becoming  
observable.                                                               

Assets and Liabilities Measured at Fair Value Using Significant Unobservable
Inputs (Level 3)                                                            

The following table presents certain quantitative information about the 
significant unobservable inputs used in the fair value measurement, and the 
sensitivity of the estimated fair value to changes in those inputs, for the 
more significant asset and liability classes measured at fair value on a    
recurring basis using significant unobservable inputs (Level 3) at:         

                                                        [Enlarge/Download Table]

                                                                                                 December 31, 2017          
                                                                                            ----------------------------    
                                                                       Significant                               Weighted   
                                         Valuation Techniques      Unobservable Inputs           Range          Average (1) 
                                      --------------------------- -----------------------   ---------------     ----------- 
                                                                                                                            
Fixed maturity securities (3)                                                                                               
U.S. corporate and foreign                                                                                                  
 corporate........................... Matrix pricing              Offered quotes (4)          83    -      142      111     
                                      Market pricing              Quoted prices (4)           10    -      443      123     
                                      --------------------------------------------------------------------------------------
RMBS................................. Market pricing              Quoted prices (4)           --    -      126      94      
                                      --------------------------------------------------------------------------------------
ABS.................................. Market pricing              Quoted prices (4)           27    -      104      100     
                                      Consensus pricing           Offered quotes (4)         100    -      101      100     
                                      --------------------------------------------------------------------------------------
Derivatives                                                                                                                 
Interest rate........................ Present value techniques    Swap yield (6)             200    -      300              
                                                                  Repurchase rates (8)       (5)    -       5               
                                      --------------------------------------------------------------------------------------
Foreign currency exchange rate....... Present value               Swap yield (6)             (14)   -      (3)              
                                          techniques                                                                        
                                      --------------------------------------------------------------------------------------
Credit............................... Present value               Credit spreads (9)          --    -      --               
                                          techniques                                                                        
                                      Consensus pricing           Offered quotes (10)                                       
                                      --------------------------------------------------------------------------------------
Equity market........................ Present value               Volatility (11)            11%    -      31%              
                                          techniques or                                                                     
                                          option pricing                                                                    
                                          models                                                                            
                                                                  Correlation (12)           10%    -      30%              
                                      --------------------------------------------------------------------------------------
Embedded derivatives                                                                                                        
Direct, assumed and ceded guaranteed  Option pricing              Mortality rates:                                          
 minimum benefits....................     techniques                  Ages 0 - 40             0%    -     0.09%             
                                                                      Ages 41 - 60          0.04%   -     0.65%             
                                                                      Ages 61 - 115         0.26%   -     100%              
                                                                  Lapse rates:                                              
                                                                      Durations 1 - 10      0.25%   -     100%              
                                                                      Durations 11 - 20       3%    -     100%              
                                                                      Durations 21 - 116      3%    -     100%              
                                                                  Utilization rates           0%    -      25%              
                                                                  Withdrawal rates          0.25%   -      10%              
                                                                  Long-term equity          17.40%  -      25%              
                                                                      volatilities                                          
                                                                  Nonperformance risk       0.02%   -     0.44%             
                                                                      spread                                                
                                                        [Enlarge/Download Table]

                                                                                                 December 31, 2016        
                                                                                            ----------------------------  
                                                                       Significant                             Weighted   
                                         Valuation Techniques      Unobservable Inputs           Range        Average (1) 
                                      --------------------------- -----------------------   ---------------   ----------- 
                                                                                                                          
Fixed maturity securities (3)                                                                                             
U.S. corporate and foreign                                                                                                
 corporate........................... Matrix pricing              Offered quotes (4)          18    -    138      106     
                                      Market pricing              Quoted prices (4)           25         700      117     
                                      ------------------------------------------------------------------------------------
RMBS................................. Market pricing              Quoted prices (4)           19    -    137      91      
                                      ------------------------------------------------------------------------------------
ABS.................................. Market pricing              Quoted prices (4)           20    -    106      99      
                                      Consensus pricing           Offered quotes (4)          98    -    100      100     
                                      ------------------------------------------------------------------------------------
Derivatives                                                                                                               
Interest rate........................ Present value techniques    Swap yield (6)             200    -    300              
                                                                  Repurchase rates (8)       (44)   -    18               
                                      ------------------------------------------------------------------------------------
Foreign currency exchange rate....... Present value               Swap yield (6)              50    -    236              
                                          techniques                                                                      
                                      ------------------------------------------------------------------------------------
Credit............................... Present value               Credit spreads (9)          97    -    98               
                                          techniques                                                                      
                                      Consensus pricing           Offered quotes (10)                                     
                                      ------------------------------------------------------------------------------------
Equity market........................ Present value               Volatility (11)            14%    -    32%              
                                          techniques or                                                                   
                                          option pricing                                                                  
                                          models                                                                          
                                                                  Correlation (12)           40%    -    40%              
                                      ------------------------------------------------------------------------------------
Embedded derivatives                                                                                                      
Direct, assumed and ceded guaranteed  Option pricing              Mortality rates:                                        
 minimum benefits....................     techniques                  Ages 0 - 40             0%    -   0.09%             
                                                                      Ages 41 - 60          0.04%   -   0.65%             
                                                                      Ages 61 - 115         0.26%   -   100%              
                                                                  Lapse rates:                                            
                                                                      Durations 1 - 10      0.25%   -   100%              
                                                                      Durations 11 - 20       3%    -   100%              
                                                                      Durations 21 - 116      3%    -   100%              
                                                                  Utilization rates           0%    -    25%              
                                                                  Withdrawal rates          0.25%   -    10%              
                                                                  Long-term equity          17.40%  -    25%              
                                                                      volatilities                                        
                                                                  Nonperformance risk       0.04%   -   0.57%             
                                                                      spread                                              
                                                        [Enlarge/Download Table]

                                                                                                Impact of     
                                                                                            Increase in Input 
                                                                       Significant            on Estimated    
                                         Valuation Techniques      Unobservable Inputs       Fair Value (2)   
                                      --------------------------- -----------------------   ----------------- 
                                                                                                              
Fixed maturity securities (3)                                                                                 
U.S. corporate and foreign                                                                                    
 corporate........................... Matrix pricing              Offered quotes (4)           Increase       
                                      Market pricing              Quoted prices (4)            Increase       
                                      ------------------------------------------------------------------------
RMBS................................. Market pricing              Quoted prices (4)          Increase (5)     
                                      ------------------------------------------------------------------------
ABS.................................. Market pricing              Quoted prices (4)          Increase (5)     
                                      Consensus pricing           Offered quotes (4)         Increase (5)     
                                      ------------------------------------------------------------------------
Derivatives                                                                                                   
Interest rate........................ Present value techniques    Swap yield (6)             Increase (7)     
                                                                  Repurchase rates (8)       Decrease (7)     
                                      ------------------------------------------------------------------------
Foreign currency exchange rate....... Present value               Swap yield (6)             Increase (7)     
                                          techniques                                                          
                                      ------------------------------------------------------------------------
Credit............................... Present value               Credit spreads (9)         Decrease (7)     
                                          techniques                                                          
                                      Consensus pricing           Offered quotes (10)                         
                                      ------------------------------------------------------------------------
Equity market........................ Present value               Volatility (11)            Increase (7)     
                                          techniques or                                                       
                                          option pricing                                                      
                                          models                                                              
                                                                  Correlation (12)                            
                                      ------------------------------------------------------------------------
Embedded derivatives                                                                                          
Direct, assumed and ceded guaranteed  Option pricing              Mortality rates:                            
 minimum benefits....................     techniques                  Ages 0 - 40            Decrease (13)    
                                                                      Ages 41 - 60           Decrease (13)    
                                                                      Ages 61 - 115          Decrease (13)    
                                                                  Lapse rates:                                
                                                                      Durations 1 - 10       Decrease (14)    
                                                                      Durations 11 - 20      Decrease (14)    
                                                                      Durations 21 - 116     Decrease (14)    
                                                                  Utilization rates          Increase (15)    
                                                                  Withdrawal rates             (16)           
                                                                  Long-term equity           Increase (17)    
                                                                      volatilities                            
                                                                  Nonperformance risk        Decrease (18)    
                                                                      spread                                  

--------                                                                        

(1) The weighted average for fixed maturity securities is determined based on   
the estimated fair value of the securities.                             

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(2) The impact of a decrease in input would have the opposite impact on         
estimated fair value. For embedded derivatives, changes to direct and   
assumed guaranteed minimum benefits are based on liability positions;   
  changes to ceded guaranteed minimum benefits are based on asset positions.

(3) Significant increases (decreases) in expected default rates in isolation    
would result in substantially lower (higher) valuations.                

(4) Range and weighted average are presented in accordance with the market      
  convention for fixed maturity securities of dollars per hundred dollars of
par.                                                                    

(5) Changes in the assumptions used for the probability of default are          
accompanied by a directionally similar change in the assumption used for
the loss severity and a directionally opposite change in the assumptions
used for prepayment rates.                                              

(6) Ranges represent the rates across different yield curves and are presented  
 in basis points. The swap yield curves are utilized among different types
of derivatives to project cash flows, as well as to discount future cash
flows to present value. Since this valuation methodology uses a range of
  inputs across a yield curve to value the derivative, presenting a range is
more representative of the unobservable input used in the valuation.    

(7) Changes in estimated fair value are based on long U.S. dollar net asset     
positions and will be inversely impacted for short U.S. dollar net asset
positions.                                                              

(8) Ranges represent different repurchase rates utilized as components within   
the valuation methodology and are presented in basis points.            

(9) Represents the risk quoted in basis points of a credit default event on the 
underlying instrument. Credit derivatives with significant unobservable 
inputs are primarily comprised of written credit default swaps.         

(10)At both December 31, 2017 and 2016, independent non-binding broker          
  quotations were used in the determination of less than 1% of the total net
derivative estimated fair value.                                        

(11)Ranges represent the underlying equity volatility quoted in percentage      
points. Since this valuation methodology uses a range of inputs across  
   multiple volatility surfaces to value the derivative, presenting a range is
more representative of the unobservable input used in the valuation.    

(12)Ranges represent the different correlation factors utilized as components   
   within the valuation methodology. Presenting a range of correlation factors
is more representative of the unobservable input used in the valuation. 
  Increases (decreases) in correlation in isolation will increase (decrease)
the significance of the change in valuations.                           

(13)Mortality rates vary by age and by demographic characteristics such as      
gender. Mortality rate assumptions are based on company experience. A   
 mortality improvement assumption is also applied. For any given contract,
mortality rates vary throughout the period over which cash flows are    
projected for purposes of valuing the embedded derivative.              

(14)Base lapse rates are adjusted at the contract level based on a comparison   
of the actuarially calculated guaranteed values and the current         
policyholder account value, as well as other factors, such as the       
applicability of any surrender charges. A dynamic lapse function reduces
  the base lapse rate when the guaranteed amount is greater than the account
 value as in the money contracts are less likely to lapse. Lapse rates are
also generally assumed to be lower in periods when a surrender charge   
applies. For any given contract, lapse rates vary throughout the period 
over which cash flows are projected for purposes of valuing the embedded
derivative.                                                             

(15)The utilization rate assumption estimates the percentage of contractholders 
with a GMIB or lifetime withdrawal benefit who will elect to utilize the
benefit upon becoming eligible. The rates may vary by the type of       
guarantee, the amount by which the guaranteed amount is greater than the
account value, the contract's withdrawal history and by the age of the  
   policyholder. For any given contract, utilization rates vary throughout the
period over which cash flows are projected for purposes of valuing the  
embedded derivative.                                                    

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(16)The withdrawal rate represents the percentage of account balance that any   
  given policyholder will elect to withdraw from the contract each year. The
  withdrawal rate assumption varies by age and duration of the contract, and
also by other factors such as benefit type. For any given contract,     
withdrawal rates vary throughout the period over which cash flows are   
 projected for purposes of valuing the embedded derivative. For GMWBs, any
 increase (decrease) in withdrawal rates results in an increase (decrease)
in the estimated fair value of the guarantees. For GMABs and GMIBs, any 
   increase (decrease) in withdrawal rates results in a decrease (increase) in
the estimated fair value.                                               

(17)Long-term equity volatilities represent equity volatility beyond the period 
for which observable equity volatilities are available. For any given   
   contract, long-term equity volatility rates vary throughout the period over
which cash flows are projected for purposes of valuing the embedded     
derivative.                                                             

(18)Nonperformance risk spread varies by duration and by currency. For any      
  given contract, multiple nonperformance risk spreads will apply, depending
 on the duration of the cash flow being discounted for purposes of valuing
the embedded derivative.                                                

The following is a summary of the valuation techniques and significant    
unobservable inputs used in the fair value measurement of assets and            
liabilities classified within Level 3 that are not included in the preceding    
table. Generally, all other classes of securities classified within Level 3,    
including those within separate account assets and embedded derivatives within  
funds withheld related to certain ceded reinsurance, use the same valuation     
techniques and significant unobservable inputs as previously described for      
Level 3 securities. This includes matrix pricing and discounted cash flow       
methodologies, inputs such as quoted prices for identical or similar securities 
that are less liquid and based on lower levels of trading activity than         
securities classified in Level 2, as well as independent non-binding broker     
quotations. The residential mortgage loans -- FVO and long-term debt are valued 
using independent non-binding broker quotations and internal models including   
matrix pricing and discounted cash flow methodologies using current interest    
rates. The sensitivity of the estimated fair value to changes in the            
significant unobservable inputs for these other assets and liabilities is       
similar in nature to that described in the preceding table. The valuation       
techniques and significant unobservable inputs used in the fair value           
measurement for the more significant assets measured at estimated fair value on 
a nonrecurring basis and determined using significant unobservable inputs       
(Level 3) are summarized in "-- Nonrecurring Fair Value Measurements."          

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

   The following tables summarize the change of all assets and (liabilities)
measured at estimated fair value on a recurring basis using significant     
unobservable inputs (Level 3):                                              

                                                        [Enlarge/Download Table]

                                          Fair Value Measurements Using Significant Unobservable Inputs (Level 3)  
                                         ------------------------------------------------------------------------- 
                                                          Fixed Maturity Securities                                
                                         ----------------------------------------------------------                
                                                                          State and                                
                                                           Structured     Political      Foreign         Equity    
                                           Corporate (1)    Securities    Subdivision    Government     Securities 
                                         --------------- -------------  ------------- -------------  ------------- 
                                                                       (In millions)                               
                                                                                                                   
Balance, January 1, 2016................  $       8,282  $       4,416   $       33   $         275  $         328 
Total realized/unrealized gains                                                                                    
 (losses) included in net income (loss)                                                                            
 (2) (3)................................             --            100            1              --            (24)
Total realized/unrealized gains                                                                                    
 (losses) included in AOCI..............            (39)            47            2              (1)            21 
Purchases (4)...........................          1,967          1,821           --               7             23 
Sales (4)...............................         (1,226)        (1,339)          --             (40)           (15)
Issuances (4)...........................             --             --           --              --             -- 
Settlements (4).........................             --             --           --              --             -- 
Transfers into Level 3 (6)..............            848             18            7              --            282 
Transfers out of Level 3 (6)............           (993)          (522)         (33)           (220)          (195)
                                          -------------  -------------   ----------   -------------  ------------- 
Balance, December 31, 2016..............          8,839          4,541           10              21            420 
Total realized/unrealized gains                                                                                    
 (losses) included in net income (loss)                                                                            
 (2) (3)................................             (2)            95           --              --             -- 
Total realized/unrealized gains                                                                                    
 (losses) included in AOCI..............            416            109           --              --             17 
Purchases (4)...........................          2,451            900           --              19             14 
Sales (4)...............................         (1,408)        (1,282)          --              (2)           (51)
Issuances (4)...........................             --             --           --              --             -- 
Settlements (4).........................             --             --           --              --             -- 
Transfers into Level 3 (6)..............             58             63           --              --             -- 
Transfers out of Level 3 (6)............         (2,768)          (350)         (10)             (7)           (34)
                                          -------------  -------------   ----------   -------------  ------------- 
Balance, December 31, 2017..............  $       7,586  $       4,076   $       --   $          31  $         366 
                                          =============  =============   ==========   =============  ============= 
Changes in unrealized gains (losses)                                                                               
 included in net income (loss) for the                                                                             
 instruments still held at December 31,                                                                            
 2015: (7)..............................  $           7  $         102   $       --   $           1  $          -- 
                                          =============  =============   ==========   =============  ============= 
Changes in unrealized gains (losses)                                                                               
 included in net income (loss) for the                                                                             
 instruments still held at December 31,                                                                            
 2016: (7)..............................  $          --  $         101   $        1   $          --  $         (29)
                                          =============  =============   ==========   =============  ============= 
Changes in unrealized gains (losses)                                                                               
 included in net income (loss) for the                                                                             
 instruments still held at December 31,                                                                            
 2017: (7)..............................  $          (7) $          83   $       --   $          --  $         (17)
                                          =============  =============   ==========   =============  ============= 
Gains (Losses) Data for the year ended                                                                             
 December 31, 2015......................                                                                           
Total realized/unrealized gains                                                                                    
 (losses) included in net income (loss)                                                                            
 (2) (3)................................  $          38  $         101   $       --   $           1  $          12 
Total realized/unrealized gains                                                                                    
 (losses) included in AOCI..............  $        (399) $         (67)  $       --   $          (1) $         (53)

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                      Fair Value Measurements Using Significant Unobservable Inputs (Level 3)        
                               ------------------------------------------------------------------------------------- 
                                             Residential                                    Separate                 
                               Short-term     Mortgage          Net        Net Embedded      Account      Long-term  
                               Investments   Loans - FVO  Derivatives (8) Derivatives (9)  Assets (10)      Debt     
                               -----------  ------------  --------------- --------------- ------------  ------------ 
                                                                   (In millions)                                     
                                                                                                                     
Balance, January 1, 2016...... $       200  $        314    $       (23)   $        186   $      1,520  $        (36)
Total realized/unrealized                                                                                            
 gains (losses) included in                                                                                          
 net income (loss) (2) (3) (5)          --             8           (168)           (870)            (2)           -- 
Total realized/unrealized                                                                                            
 gains (losses) included in                                                                                          
 AOCI.........................          --            --           (366)             --             --            -- 
Purchases (4).................          28           297             27              --            375            -- 
Sales (4).....................          (3)          (11)            --              --           (474)           -- 
Issuances (4).................          --            --             --              --             62           (46)
Settlements (4)...............          --           (42)           (29)           (209)           (51)            8 
Transfers into Level 3 (6)....          --            --             --              --             19            -- 
Transfers out of Level 3 (6)..        (200)           --             --              --           (308)           -- 
                               -----------  ------------    -----------    ------------   ------------  ------------ 
Balance, December 31, 2016....          25           566           (559)           (893)         1,141           (74)
Total realized/unrealized                                                                                            
 gains (losses) included in                                                                                          
 net income (loss) (2) (3)....          --            40             21             450             (8)           -- 
Total realized/unrealized                                                                                            
 gains (losses) included in                                                                                          
 AOCI.........................          --            --            207              --             --            -- 
Purchases (4).................           6           175             --              --            186            -- 
Sales (4).....................          --          (179)            --              --            (80)           -- 
Issuances (4).................          --            --             --              --              1            -- 
Settlements (4)...............          --           (82)           140            (433)           (93)           34 
Transfers into Level 3 (6)....          --            --             --              --             35            -- 
Transfers out of Level 3 (6)..         (24)           --             --              --           (224)           40 
                               -----------  ------------    -----------    ------------   ------------  ------------ 
Balance, December 31, 2017.... $         7  $        520    $      (191)   $       (876)  $        958  $         -- 
                               ===========  ============    ===========    ============   ============  ============ 
Changes in unrealized gains                                                                                          
 (losses) included in net                                                                                            
 income (loss) for the                                                                                               
 instruments still held at                                                                                           
 December 31, 2015: (7)....... $        --  $         20    $       (24)   $        461   $         --  $         -- 
                               ===========  ============    ===========    ============   ============  ============ 
Changes in unrealized gains                                                                                          
 (losses) included in net                                                                                            
 income (loss) for the                                                                                               
 instruments still held at                                                                                           
 December 31, 2016: (7)....... $        --  $          8    $      (166)   $       (863)  $         --  $         -- 
                               ===========  ============    ===========    ============   ============  ============ 
Changes in unrealized gains                                                                                          
 (losses) included in net                                                                                            
 income (loss) for the                                                                                               
 instruments still held at                                                                                           
 December 31, 2017: (7)....... $        --  $         27    $       (18)   $        452   $         --  $         -- 
                               ===========  ============    ===========    ============   ============  ============ 
Gains (Losses) Data for the                                                                                          
 year ended December 31, 2015.                                                                                       
Total realized/unrealized                                                                                            
 gains (losses) included in                                                                                          
 net income (loss) (2) (3).... $        --  $         20    $       (27)   $        447   $         15  $         -- 
Total realized/unrealized                                                                                            
 gains (losses) included in                                                                                          
 AOCI......................... $        --  $         --    $        (2)   $         --   $         --  $         -- 

--------                                                                        

(1) Comprised of U.S. and foreign corporate securities.                         

(2) Amortization of premium/accretion of discount is included within net        
 investment income. Impairments charged to net income (loss) on securities
 are included in net investment gains (losses), while changes in estimated
fair value of residential mortgage loans -- FVO are included in net     
investment income. Lapses associated with net embedded derivatives are  
included in net derivative gains (losses). Substantially all            
realized/unrealized gains (losses) included in net income (loss) for net
derivatives and net embedded derivatives are reported in net derivatives
gains (losses).                                                         

(3) Interest and dividend accruals, as well as cash interest coupons and        
dividends received, are excluded from the rollforward.                  

(4) Items purchased/issued and then sold/settled in the same period are         
  excluded from the rollforward. Fees attributed to embedded derivatives are
included in settlements. Sales for the year ended December 31, 2016     
included financial instruments related to the disposition of NELICO and 
   GALIC of $345 million for corporate securities, $117 million for Structured
Securities, $38 million for foreign government securities and less than 
$1 million for equity securities. See Note 3.                           

(5) Includes $420 million for net embedded derivatives for the year ended       
  December 31, 2016 related to the disposition of NELICO and GALIC. See Note
3.                                                                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(6) Gains and losses, in net income (loss) and OCI, are calculated assuming     
transfers into and/or out of Level 3 occurred at the beginning of the   
 period. Items transferred into and then out of Level 3 in the same period
are excluded from the rollforward.                                      

(7) Changes in unrealized gains (losses) included in net income (loss) relate   
  to assets and liabilities still held at the end of the respective periods.
Substantially all changes in unrealized gains (losses) included in net  
   income (loss) for net derivatives and net embedded derivatives are reported
in net derivative gains (losses).                                       

(8) Freestanding derivative assets and liabilities are presented net for        
purposes of the rollforward.                                            

(9) Embedded derivative assets and liabilities are presented net for purposes   
of the rollforward.                                                     

(10)Investment performance related to separate account assets is fully offset   
by corresponding amounts credited to contractholders within separate    
account liabilities. Therefore, such changes in estimated fair value are
not recorded in net income (loss). For the purpose of this disclosure,  
  these changes are presented within net investment gains (losses). Separate
account assets and liabilities are presented net for the purposes of the
rollforward.                                                            

Fair Value Option                                                           

    The Company elects the FVO for certain residential mortgage loans that are
 managed on a total return basis. The following table presents information for
residential mortgage loans which are accounted for under the FVO and were   
initially measured at fair value.                                           

                                                        [Enlarge/Download Table]

                                                                                         December 31, 
                                                                                         -------------
                                                                                          2017   2016 
                                                                                         ------ ------
                                                                                         (In millions)
                                                                                                      
Unpaid principal balance................................................................ $  650 $  794
Difference between estimated fair value and unpaid principal balance....................  (130)  (228)
                                                                                         ------ ------
Carrying value at estimated fair value.................................................. $  520 $  566
                                                                                         ====== ======
Loans in nonaccrual status.............................................................. $  198 $  214
Loans more than 90 days past due........................................................ $   94 $  137
Loans in nonaccrual status or more than 90 days past due, or both -- difference between               
 aggregate estimated fair value and unpaid principal balance............................ $(102) $(150)

Nonrecurring Fair Value Measurements                                            

The following table presents information for assets measured at estimated   
fair value on a nonrecurring basis during the periods and still held at the     
reporting dates (for example, when there is evidence of impairment). The        
estimated fair values for these assets were determined using significant        
unobservable inputs (Level 3).                                                  

                                                        [Enlarge/Download Table]

                                   At December 31,                         Years Ended December 31,           
                     ------------------------------------------- ---------------------------------------------
                         2017           2016           2015           2017           2016           2015      
                     ------------- -------------- -------------- -------------  -------------- ---------------
                          Carrying Value After Measurement                      Gains (Losses)                
                     ------------------------------------------- ---------------------------------------------
                                                           (In millions)                                      
                                                                                                              
Other limited                                                                                                 
 partnership                                                                                                  
 interests (1)......  $         58  $          95  $          57  $        (65)  $        (59)  $         (31)
Other assets (2)....  $         --  $          --  $          --  $          4   $        (30)  $           --

--------                                                                        

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(1)For these cost method investments, estimated fair value is determined from   
 information provided on the financial statements of the underlying entities
 including NAV data. These investments include private equity and debt funds
  that typically invest primarily in various strategies including domestic and
international leveraged buyout funds; power, energy, timber and           
infrastructure development funds; venture capital funds; and below        
investment grade debt and mezzanine debt funds. Distributions will be     
generated from investment gains, from operating income from the underlying
investments of the funds and from liquidation of the underlying assets of 
the funds. The Company estimates that the underlying assets of the funds  
will be liquidated over the next two to 10 years. Unfunded commitments for
these investments at both December 31, 2017 and 2016 were not significant.

(2)During the year ended December 31, 2016, the Company recognized an           
  impairment of computer software in connection with the sale to Massachusetts
 Mutual Life Insurance Company ("MassMutual") of MetLife, Inc.'s U.S. retail
 advisor force and certain assets associated with the MetLife Premier Client
Group, including all of the issued and outstanding shares of MetLife's    
affiliated broker-dealer, MetLife Securities, Inc., a wholly-owned        
subsidiary of MetLife, Inc. (collectively, the "U.S. Retail Advisor Force 
Divestiture"). See Note 18.                                               

Fair Value of Financial Instruments Carried at Other Than Fair Value            

The following tables provide fair value information for financial         
instruments that are carried on the balance sheet at amounts other than fair    
value. These tables exclude the following financial instruments: cash and cash  
equivalents, accrued investment income, payables for collateral under           
securities loaned and other transactions, short-term debt and those short-term  
investments that are not securities, such as time deposits, and therefore are   
not included in the three level hierarchy table disclosed in the "-- Recurring  
Fair Value Measurements" section. The estimated fair value of the excluded      
financial instruments, which are primarily classified in Level 2, approximates  
carrying value as they are short-term in nature such that the Company believes  
there is minimal risk of material changes in interest rates or credit quality.  
All remaining balance sheet amounts excluded from the tables below are not      
considered financial instruments subject to this disclosure.                    

The carrying values and estimated fair values for such financial          
instruments, and their corresponding placement in the fair value hierarchy, are 
summarized as follows at:                                                       

                                                        [Enlarge/Download Table]

                                                                    December 31, 2017                        
                                             ----------------------------------------------------------------
                                                                   Fair Value Hierarchy                      
                                                          --------------------------------------             
                                                                                                    Total    
                                               Carrying                                           Estimated  
                                                Value         Level 1      Level 2      Level 3   Fair Value 
                                             ------------ ------------ ------------ ------------ ------------
                                                                      (In millions)                          
                                                                                                             
Assets                                                                                                       
Mortgage loans..............................  $    57,939  $        --  $        --  $    59,465  $    59,465
Policy loans................................  $     6,006  $        --  $       261  $     6,797  $     7,058
Other limited partnership interests.........  $       214  $        --  $        --  $       212  $       212
Other invested assets.......................  $     2,260  $        --  $     2,028  $       154  $     2,182
Premiums, reinsurance and other receivables.  $    15,024  $        --  $       679  $    14,859  $    15,538
Liabilities                                                                                                  
Policyholder account balances...............  $    75,323  $        --  $        --  $    76,452  $    76,452
Long-term debt..............................  $     1,661  $        --  $     2,021  $        --  $     2,021
Other liabilities...........................  $    13,954  $        --  $       547  $    13,490  $    14,037
Separate account liabilities................  $    61,757  $        --  $    61,757  $        --  $    61,757

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]


                                                                    December 31, 2016                        
                                             ----------------------------------------------------------------
                                                                   Fair Value Hierarchy                      
                                                          --------------------------------------             
                                                                                                    Total    
                                               Carrying                                           Estimated  
                                                Value       Level 1      Level 2      Level 3     Fair Value 
                                             ------------ ------------ ------------ ------------ ------------
                                                                      (In millions)                          
                                                                                                             
Assets                                                                                                       
Mortgage loans..............................  $    55,994  $        --  $        --  $    57,171  $    57,171
Policy loans................................  $     5,945  $        --  $       258  $     6,695  $     6,953
Other limited partnership interests.........  $       336  $        --  $        --  $       362  $       362
Other invested assets.......................  $     2,263  $        --  $     2,151  $       151  $     2,302
Premiums, reinsurance and other receivables.  $    14,888  $        --  $       368  $    15,421  $    15,789
Liabilities                                                                                                  
Policyholder account balances...............  $    72,944  $        --  $        --  $    74,052  $    74,052
Long-term debt..............................  $     1,503  $        --  $     1,755  $        --  $     1,755
Other liabilities...........................  $    14,731  $        --  $       894  $    13,920  $    14,814
Separate account liabilities................  $    65,545  $        --  $    65,545  $        --  $    65,545

The methods, assumptions and significant valuation techniques and inputs  
used to estimate the fair value of financial instruments are summarized as      
follows:                                                                        

Mortgage Loans                                                              

The estimated fair value of mortgage loans is primarily determined by 
estimating expected future cash flows and discounting them using current    
interest rates for similar mortgage loans with similar credit risk, or is   
determined from pricing for similar loans.                                  

Policy Loans                                                                

   Policy loans with fixed interest rates are classified within Level 3. The
estimated fair values for these loans are determined using a discounted cash
 flow model applied to groups of similar policy loans determined by the nature
 of the underlying insurance liabilities. Cash flow estimates are developed by
applying a weighted-average interest rate to the outstanding principal      
balance of the respective group of policy loans and an estimated average    
maturity determined through experience studies of the past performance of   
policyholder repayment behavior for similar loans. These cash flows are     
discounted using current risk-free interest rates with no adjustment for    
borrower credit risk, as these loans are fully collateralized by the cash   
surrender value of the underlying insurance policy. Policy loans with       
variable interest rates are classified within Level 2 and the estimated fair
value approximates carrying value due to the absence of borrower credit risk
and the short time period between interest rate resets, which presents      
minimal risk of a material change in estimated fair value due to changes in 
market interest rates.                                                      

Other Limited Partnership Interests                                         

  The estimated fair values of these cost method investments are generally
based on the Company's share of the NAV as provided on the financial        
statements of the investees. In certain circumstances, management may adjust
the NAV by a premium or discount when it has sufficient evidence to support 
applying such adjustments.                                                  

Other Invested Assets                                                       

These other invested assets are principally comprised of loans to     
affiliates. The estimated fair value of loans to affiliates is determined by
discounting the expected future cash flows using market interest rates      
currently available for instruments with similar terms and remaining        
maturities.                                                                 

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

Premiums, Reinsurance and Other Receivables                                 

  Premiums, reinsurance and other receivables are principally comprised of
certain amounts recoverable under reinsurance agreements, amounts on deposit
with financial institutions to facilitate daily settlements related to      
certain derivatives and amounts receivable for securities sold but not yet  
settled.                                                                    

   Amounts recoverable under ceded reinsurance agreements, which the Company
has determined do not transfer significant risk such that they are accounted
for using the deposit method of accounting, have been classified as Level 3.
The valuation is based on discounted cash flow methodologies using          
 significant unobservable inputs. The estimated fair value is determined using
interest rates determined to reflect the appropriate credit standing of the 
assuming counterparty.                                                      

The amounts on deposit for derivative settlements, classified within  
Level 2, essentially represent the equivalent of demand deposit balances and
amounts due for securities sold are generally received over short periods   
such that the estimated fair value approximates carrying value.             

Policyholder Account Balances                                               

These policyholder account balances include investment contracts which
primarily include certain funding agreements, fixed deferred annuities,     
modified guaranteed annuities, fixed term payout annuities and total control
accounts ("TCA"). The valuation of these investment contracts is based on   
 discounted cash flow methodologies using significant unobservable inputs. The
estimated fair value is determined using current market risk-free interest  
rates adding a spread to reflect the nonperformance risk in the liability.  

Long-term Debt                                                              

    The estimated fair value of long-term debt is principally determined using
market standard valuation methodologies.                                    

   Valuations of instruments are based primarily on quoted prices in markets
that are not active or using matrix pricing that use standard market        
observable inputs such as quoted prices in markets that are not active and  
observable yields and spreads in the market. Instruments valued using       
discounted cash flow methodologies use standard market observable inputs    
including market yield curve, duration, call provisions, observable prices  
and spreads for similar publicly traded or privately traded issues.         

Other Liabilities                                                           

Other liabilities consist primarily of amounts due for securities     
purchased but not yet settled, funds withheld amounts payable, which are    
contractually withheld by the Company in accordance with the terms of the   
 reinsurance agreements, and amounts payable under certain assumed reinsurance
agreements, which are recorded using the deposit method of accounting. The  
Company evaluates the specific terms, facts and circumstances of each       
instrument to determine the appropriate estimated fair values, which are not
materially different from the carrying values, with the exception of certain
deposit type reinsurance payables. For such payables, the estimated fair    
 value is determined as the present value of expected future cash flows, which
are discounted using an interest rate determined to reflect the appropriate 
credit standing of the assuming counterparty.                               

Separate Account Liabilities                                                

    Separate account liabilities represent those balances due to policyholders
under contracts that are classified as investment contracts.                

   Separate account liabilities classified as investment contracts primarily
represent variable annuities with no significant mortality risk to the      
Company such that the death benefit is equal to the account balance, funding
 agreements related to group life contracts and certain contracts that provide
for benefit funding.                                                        

    Since separate account liabilities are fully funded by cash flows from the
separate account assets which are recognized at estimated fair value as     
 described in the section "-- Recurring Fair Value Measurements," the value of
those assets approximates the estimated fair value of the related separate  
 account liabilities. The valuation techniques and inputs for separate account
liabilities are similar to those described for separate account assets.     

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

11. Long-term and Short-term Debt                                               

 Long-term and short-term debt outstanding, excluding debt relating to CSEs,
was as follows:                                                                 

                                                        [Enlarge/Download Table]

                                                                                    December 31,                          
                                                           ---------------------------------------------------------------

                      Interest Rates (1)                                2017                            2016              
                    ----------------------                 ------------------------------- -------------------------------

                                                                    Unamortized                    Unamortized            
                                    Weighted                Face    Discount and  Carrying Face    Discount and  Carrying 
                        Range       Average   Maturity      Value  Issuance Costs  Value   Value  Issuance Costs Value (2)
                    -------------   -------- -----------   ------- -------------- -------- ------ -------------- ---------
                                                                                    (In millions)                         
                                                                                                                          
Surplus notes -                                                                                                           
 affiliated........ 7.38% -   7.38%  7.38%      2037        $  700    $   (10)     $  690  $  700    $   (10)     $  690  
Surplus notes (2).. 7.80% -   7.88%  7.83%   2024 -   2025     400         (3)        397     400         (3)        397  
Other notes (3).... 2.20% -   7.29%  4.56%   2018 -   2058     578         (4)        574     494         (4)        490  
                                                           -------    --------     ------  ------    --------     ------  
 Total long-term                                                                                                          
  debt.............                                          1,678        (17)      1,661   1,594        (17)      1,577  
                                                           -------    --------     ------  ------    --------     ------  
Total short-term                                                                                                          
 debt..............                                            243          --        243     100          --        100  
                                                           -------    --------     ------  ------    --------     ------  
  Total............                                         $1,921    $   (17)     $1,904  $1,694    $   (17)     $1,677  
                                                           =======    ========     ======  ======    ========     ======  

--------                                                                        

(1)Range of interest rates and weighted average interest rates are for the year 
ended December 31, 2017.                                                  

(2)In December 2016, the $107 million 7.625% surplus notes were deconsolidated  
due to the disposition of GALIC. See Note 3.                              

(3)During 2017, a subsidiary issued $139 million of long-term debt to a third   
party.                                                                    

  The aggregate maturities of long-term debt at December 31, 2017 for the next
five years and thereafter are $20 million in 2018, $0 in each of 2019, 2020 and 
2021, $346 million in 2022 and $1.3 billion thereafter.                         

Unsecured senior debt which consists of senior notes and other notes rank 
highest in priority. Payments of interest and principal on Metropolitan Life    
Insurance Company's surplus notes are subordinate to all other obligations and  
may be made only with the prior approval of the New York State Department of    
Financial Services.                                                             

Term Loans                                                                      

MetLife Private Equity Holdings, LLC ("MPEH"), a wholly-owned indirect    
investment subsidiary, borrowed $350 million in December 2015 under a five-year 
credit agreement included within other notes in the table above. In November    
2017, this agreement was amended to extend the maturity to November 2022,       
change the amount MPEH may borrow on a revolving basis to $75 million from      
$100 million, and change the interest rate to a variable rate of three-month    
LIBOR plus 3.25%, payable quarterly, from a variable rate of three-month LIBOR  
plus 3.70%. In connection with the initial borrowing in 2015, $6 million of     
costs were incurred, and additional costs of $1 million were incurred in        
connection with the 2017 amendment, which have been capitalized and are being   
amortized over the term of the loans. MPEH has pledged invested assets to       
secure the loans; however these loans are non-recourse to Metropolitan Life     
Insurance Company.                                                              

Debt Repayments                                                                 

In December 2015, a wholly-owned real estate subsidiary of the Company    
repaid in cash $110 million of its mortgage loans issued to Brighthouse         
Insurance due in January 2016.                                                  

In November 2015, the Company repaid in cash, at maturity, $188 million of
surplus notes issued to MetLife Mexico S.A., an affiliate. The redemption was   
approved by the New York Superintendent of Financial Services (the              
"Superintendent").                                                              

In November 2015, the Company repaid in cash, at maturity, $200 million of
surplus notes. The redemption was approved by the Superintendent.               

 During 2015, a wholly-owned real estate subsidiary of the Company repaid in
cash $132 million of its 7.26% mortgage loans issued to Brighthouse Insurance   
due in January 2020.                                                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

11. Long-term and Short-term Debt (continued)                                   

Short-term Debt                                                                 

Short-term debt with maturities of one year or less was as follows:       

                                                                [Download Table]

                                   December 31,         
                           -----------------------------
                                2017           2016     
                           -------------- --------------
                               (Dollars in millions)    
                                                        
Commercial paper..........  $         100  $         100
Short-term borrowings (1).            143             --
                           -------------- --------------
Total short-term debt.....  $         243  $         100
                           ============== ==============
Average daily balance.....  $         129  $         100
Average days outstanding..        97 days        40 days

--------                                                                        

(1) Represents short-term debt related to repurchase agreements, secured by     
assets of a subsidiary.                                                 

During the years ended December 31, 2017, 2016 and 2015, the weighted     
average interest rate on short-term debt was 1.63%, 0.42% and 0.15%,            
respectively.                                                                   

Interest Expense                                                                

    Interest expense included in other expenses was $106 million, $112 million
and $122 million for the years ended December 31, 2017, 2016 and 2015,      
respectively. These amounts include $52 million, $52 million and $67 million
of interest expense related to affiliated debt for the years ended          
December 31, 2017, 2016 and 2015, respectively.                             

Credit and Committed Facilities                                                 

At December 31, 2017, MetLife, Inc. and MetLife Funding, Inc., a      
wholly-owned subsidiary of Metropolitan Life Insurance Company ("MetLife    
 Funding"), maintained a $3.0 billion unsecured revolving credit facility (the
"Credit Facility"), and Missouri Reinsurance, Inc. ("MoRe"), a wholly-owned 
subsidiary of Metropolitan Life Insurance Company, had access to a committed
bank facility of MetLife, Inc., which provides letters of credit for the    
benefit of certain affiliates of MetLife, Inc., including Metropolitan Life 
Insurance Company and certain of its subsidiaries, subject to bank consent  
(the "Committed Facility"). When drawn upon, these facilities bear interest 
at varying rates in accordance with the respective agreements.              

Credit Facility                                                             

  The Company's Credit Facility is used for general corporate purposes, to
support the borrowers' commercial paper programs and for the issuance of    
letters of credit. Total fees associated with the Credit Facility were      
$5 million, $8 million and $4 million for the years ended December 31, 2017,
2016 and 2015, respectively, and were included in other expenses.           

 Information on the Credit Facility at December 31, 2017 was as follows:

                                                        [Enlarge/Download Table]

                                                 Letters of Credit                                                
                                   Maximum          Used by the      Letters of Credit                  Unused    
Borrower(s)    Expiration          Capacity         Company (1)    Used by Affiliates (1) Drawdowns   Commitments 
----------- ------------------ ----------------- ----------------- ---------------------- ---------- -------------
                                                                  (In millions)                                   
                                                                                                                  

  MetLife,                                                                                                        
  Inc.                                                                                                            
  and                                                                                                             
  MetLife                                                                                                         
  Funding,                                                                                                        
  Inc...... December 2021 (2)   $      3,000 (2)    $        57           $      73        $      --  $      2,870

-------------                                                                   

(1) MetLife, Inc. and MetLife Funding are severally liable for their respective 
   obligations under the Credit Facility. MetLife Funding was not an applicant
under letters of credit outstanding as of December 31, 2017 and is not  
   responsible for any reimbursement obligations under such letters of credit.

(2) All borrowings under the Credit Facility must be repaid by December 20,     
   2021, except that letters of credit outstanding upon termination may remain
outstanding until December 20, 2022.                                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

11. Long-term and Short-term Debt (continued)                                   

Committed Facility                                                          

Letters of credit issued under the Committed Facility are used for    
collateral for certain of the Company's affiliated reinsurance liabilities. 
 Total fees associated with the Committed Facility were $5 million, $4 million
and $4 million for the years ended December 31, 2017, 2016 and 2015,        
respectively, and were included in other expenses. MoRe had $395 million in 
letters of credit outstanding and there was no remaining availability under 
the Committed Facility at December 31, 2017. The Committed Facility matures 
on June 20, 2018. In addition to the Committed Facility, see also "-- Term  
Loans" for information about the undrawn line of credit facility in the     
amount of $75 million.                                                      

Debt and Facility Covenants                                                     

Certain of the Company's debt instruments and the Credit Facility contain 
various administrative, reporting, legal and financial covenants. The Company   
believes it was in compliance with all applicable covenants at December 31,     
2017.                                                                           

12. Equity                                                                      

Stock-Based Compensation Plans                                                  

The Company does not issue any awards payable in its common stock or  
options to purchase its common stock.                                     

An affiliate employs the personnel who conduct most of the Company's  
business. In accordance with a services agreement with that affiliate, the
 Company bears a proportionate share of stock-based compensation expense for
those employees. Stock-based compensation expense relate to Stock Options,
 Performance Shares, and Restricted Stock Units under the MetLife, Inc. 2005
Stock and Incentive Compensation Plan and the MetLife, Inc. 2015 Stock and
Incentive Compensation Plan, most of which MetLife, Inc. granted in the   
first quarter of each year.                                               

The Company's expense related to stock-based compensation included in 
other expenses was $74 million, $89 million and $85 million for the years 
ended December 31, 2017, 2016 and 2015, respectively.                     

Statutory Equity and Income                                                     

See Note 3 for information on the disposition of NELICO and GALIC.          

The state of domicile of Metropolitan Life Insurance Company imposes        
risk-based capital ("RBC") requirements that were developed by the National     
Association of Insurance Commissioners ("NAIC"). Regulatory compliance is       
determined by a ratio of a company's total adjusted capital, calculated in the  
manner prescribed by the NAIC ("TAC") to its authorized control level RBC,      
calculated in the manner prescribed by the NAIC ("ACL RBC"), based on the       
statutory-based filed financial statements. Companies below specific trigger    
levels or ratios are classified by their respective levels, each of which       
requires specified corrective action. The minimum level of TAC before           
corrective action commences is twice ACL RBC ("CAL RBC"). The CAL RBC ratios    
for Metropolitan Life Insurance Company were in excess of 370% and 400% at      
December 31, 2017 and December 31, 2016, respectively.                          

Metropolitan Life Insurance Company's foreign insurance operations are    
regulated by applicable authorities of the countries in which each entity       
operates and are subject to minimum capital and solvency requirements in those  
countries before corrective action commences. The aggregate required capital    
and surplus of Metropolitan Life Insurance Company's foreign insurance          
operations was $279 million and the aggregate actual regulatory capital and     
surplus was $389 million as of the date of the most recent required capital     
adequacy calculation for each jurisdiction. Each of those foreign insurance     
operations exceeded minimum capital and solvency requirements of their          
respective countries for all periods presented.                                 

Metropolitan Life Insurance Company and its former U.S. insurance         
subsidiaries prepare statutory-basis financial statements in accordance with    
statutory accounting practices prescribed or permitted by the insurance         
department of the state of domicile. The NAIC has adopted the Codification of   
Statutory Accounting Principles ("Statutory Codification"). Statutory           
Codification is intended to standardize regulatory accounting and reporting to  
state insurance departments. However, statutory accounting principles continue  
to be established by individual state laws and permitted practices.             
Modifications by the state insurance department may impact the effect of        
Statutory Codification on the statutory capital and surplus of Metropolitan     
Life Insurance Company.                                                         

Statutory accounting principles differ from GAAP primarily by charging    
policy acquisition costs to expense as incurred, establishing future policy     
benefit liabilities using different actuarial assumptions, reporting surplus    
notes as surplus instead of debt, reporting of reinsurance agreements and       
valuing securities on a different basis.                                        

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

12. Equity (continued)                                                          

In addition, certain assets are not admitted under statutory accounting   
principles and are charged directly to surplus. The most significant assets not 
admitted by the Company are net deferred income tax assets resulting from       
temporary differences between statutory accounting principles basis and tax     
basis not expected to reverse and become recoverable within three years.        

Metropolitan Life Insurance Company and its former U.S. insurance         
subsidiaries have no material state prescribed accounting practices, except as  
described below.                                                                

New York has adopted certain prescribed accounting practices, primarily   
consisting of the continuous Commissioners' Annuity Reserve Valuation Method,   
which impacts deferred annuities, and the New York Special Consideration        
Letter, which mandates certain assumptions in asset adequacy testing. The       
collective impact of these prescribed accounting practices decreased the        
statutory capital and surplus of Metropolitan Life Insurance Company for the    
years ended December 31, 2017 and 2016 by an amount of $1.1 billion and         
$909 million, respectively, in excess of the amount of the decrease had capital 
and surplus been measured under NAIC guidance.                                  

The tables below present amounts from Metropolitan Life Insurance Company 
and its former U.S. insurance subsidiaries, which are derived from their        
respective statutory-basis financial statements as filed with the insurance     
regulators.                                                                     

Statutory net income (loss) was as follows:                               

                                                        [Enlarge/Download Table]

                                                                    Years Ended December 31,      
                                                               -----------------------------------
Company                                      State of Domicile    2017        2016        2015    
-------------------------------------------- ----------------- ----------- ----------- -----------
                                                                          (In millions)           
                                                                                                  
Metropolitan Life Insurance Company (1).....     New York       $    1,982  $    3,444  $    3,703
New England Life Insurance Company (1)......   Massachusetts           N/A         N/A  $      157
General American Life Insurance Company (1).     Missouri              N/A         N/A  $      204

-------------                                                                   

(1)In December 2016, Metropolitan Life Insurance Company distributed all of the 
  issued and outstanding shares of common stock of each of NELICO and GALIC to
MetLife, Inc., in the form of a non-cash extraordinary dividend.          

Statutory capital and surplus was as follows at:                          

                                                                [Download Table]

                                              December 31,         
                                     ------------------------------
Company                                   2017           2016      
------------------------------------ -------------- ---------------
                                             (In millions)         
                                                                   
Metropolitan Life Insurance Company.  $      10,384  $       11,195

Dividend Restrictions                                                           

The table below sets forth the dividends permitted to be paid by          
Metropolitan Life Insurance Company to MetLife, Inc. without insurance          
regulatory approval and dividends paid:                                         

                                                        [Enlarge/Download Table]

                                            2018               2017              2016       
                                     ------------------- ---------------- ------------------
                                       Permitted Without                                    
Company                                   Approval             Paid (1)        Paid (1) (2) 
------------------------------------ ------------------- ---------------- ------------------
                                                          (In millions)                     
                                                                                            
Metropolitan Life Insurance Company.   $         3,075    $         2,523  $           5,740

--------                                                                        

(1)Reflects all amounts paid, including those requiring regulatory approval.    

(2)In 2016, Metropolitan Life Insurance Company paid an ordinary cash dividend  
to MetLife, Inc. in the amount of $3.6 billion. In addition, in December  
 2016, Metropolitan Life Insurance Company distributed to MetLife, Inc. as a
 non-cash extraordinary dividend all of the issued and outstanding shares of
common stock of each of NELICO and GALIC in the amount of $981 million and
$1.2 billion, respectively, as calculated on a statutory basis.           

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Notes to the Consolidated Financial Statements -- (continued) 

12. Equity (continued)                                                          

Under New York State Insurance Law, Metropolitan Life Insurance Company is
permitted, without prior insurance regulatory clearance, to pay stockholder     
dividends to MetLife, Inc. in any calendar year based on either of two          
standards. Under one standard, Metropolitan Life Insurance Company is           
permitted, without prior insurance regulatory clearance, to pay dividends out   
of earned surplus (defined as positive unassigned funds (surplus) excluding 85% 
of the change in net unrealized capital gains or losses (less capital gains     
tax), for the immediately preceding calendar year), in an amount up to the      
greater of: (i) 10% of its surplus to policyholders as of the end of the        
immediately preceding calendar year, or (ii) its statutory net gain from        
operations for the immediately preceding calendar year (excluding realized      
capital gains), not to exceed 30% of surplus to policyholders as of the end of  
the immediately preceding calendar year. In addition, under this standard,      
Metropolitan Life Insurance Company may not, without prior insurance regulatory 
clearance, pay any dividends in any calendar year immediately following a       
calendar year for which its net gain from operations, excluding realized        
capital gains, was negative. Under the second standard, if dividends are paid   
out of other than earned surplus, Metropolitan Life Insurance Company may,      
without prior insurance regulatory clearance, pay an amount up to the lesser    
of: (i) 10% of its surplus to policyholders as of the end of the immediately    
preceding calendar year, or (ii) its statutory net gain from operations for the 
immediately preceding calendar year (excluding realized capital gains). In      
addition, Metropolitan Life Insurance Company will be permitted to pay a        
dividend to MetLife, Inc. in excess of the amounts allowed under both standards 
only if it files notice of its intention to declare such a dividend and the     
amount thereof with the Superintendent and the Superintendent either approves   
the distribution of the dividend or does not disapprove the dividend within 30  
days of its filing. Under New York State Insurance Law, the Superintendent has  
broad discretion in determining whether the financial condition of a stock life 
insurance company would support the payment of such dividends to its            
stockholders.                                                                   

There was no dividend paid to Metropolitan Life Insurance Company by its  
former insurance subsidiaries in 2016. See Note 3.                              

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Notes to the Consolidated Financial Statements -- (continued) 

12. Equity (continued)                                                          

Accumulated Other Comprehensive Income (Loss)                                   

Information regarding changes in the balances of each component of AOCI   
attributable to Metropolitan Life Insurance Company was as follows:             

                                                        [Enlarge/Download Table]

                           Unrealized                        Foreign        Defined                    
                        Investment Gains     Unrealized     Currency        Benefit                    
                        (Losses), Net of   Gains (Losses)  Translation       Plans                     
                       Related Offsets (1) on Derivatives   Adjustments    Adjustment        Total     
                      -------------------- -------------- ------------- ---------------  ------------- 
                                                        (In millions)                                  
                                                                                                       
Balance at                                                                                             
 December 31, 2014...     $      6,200       $    1,073    $        (3)  $       (2,236)  $      5,034 
OCI before                                                                                             
 reclassifications...           (4,839)             (19)          (101)             113         (4,846)
Deferred income                                                                                        
 tax benefit                                                                                           
 (expense)...........            1,715                6             30              (40)         1,711 
                         -------------      -----------   ------------  ---------------  ------------- 
 AOCI before                                                                                           
   reclassifications,                                                                                  
   net of income                                                                                       
   tax...............            3,076            1,060            (74)          (2,163)         1,899 
Amounts                                                                                                
 reclassified from                                                                                     
 AOCI................              405              578             --              229          1,212 
Deferred income                                                                                        
 tax benefit                                                                                           
 (expense)...........             (144)            (202)            --              (80)          (426)
                         -------------      -----------   ------------  ---------------  ------------- 
 Amounts                                                                                               
   reclassified                                                                                        
   from AOCI, net                                                                                      
   of income tax.....              261              376             --              149            786 
                         -------------      -----------   ------------  ---------------  ------------- 
Balance at                                                                                             
 December 31, 2015...            3,337            1,436            (74)          (2,014)         2,685 
OCI before                                                                                             
 reclassifications...              792             (141)           (11)              (4)           636 
Deferred income                                                                                        
 tax benefit                                                                                           
 (expense)...........             (286)              49              3               (5)          (239)
                         -------------      -----------   ------------  ---------------  ------------- 
 AOCI before                                                                                           
   reclassifications,                                                                                  
   net of income                                                                                       
   tax...............            3,843            1,344            (82)          (2,023)         3,082 
Amounts                                                                                                
 reclassified from                                                                                     
 AOCI................               71              177             --              191            439 
Deferred income                                                                                        
 tax benefit                                                                                           
 (expense)...........              (26)             (62)            --              (60)          (148)
                         -------------      -----------   ------------  ---------------  ------------- 
 Amounts                                                                                               
   reclassified                                                                                        
   from AOCI, net                                                                                      
   of income tax.....               45              115             --              131            291 
                         -------------      -----------   ------------  ---------------  ------------- 
Dispositions (2).....             (456)              --             23               30           (403)
Deferred income                                                                                        
 tax benefit                                                                                           
 (expense)...........              160               --             (8)              (3)           149 
                         -------------      -----------   ------------  ---------------  ------------- 
 Dispositions, net                                                                                     
   of income tax.....             (296)              --             15               27           (254)
                         -------------      -----------   ------------  ---------------  ------------- 
Balance at                                                                                             
 December 31, 2016...            3,592            1,459            (67)          (1,865)         3,119 
OCI before                                                                                             
 reclassifications...            3,977              122             26              (30)         4,095 
Deferred income                                                                                        
 tax benefit                                                                                           
 (expense)...........           (1,287)             (43)            (6)              11         (1,325)
                         -------------      -----------   ------------  ---------------  ------------- 
 AOCI before                                                                                           
   reclassifications,                                                                                  
   net of income                                                                                       
   tax...............            6,282            1,538            (47)          (1,884)         5,889 
Amounts                                                                                                
 reclassified from                                                                                     
 AOCI................              102             (970)            --              159           (709)
Deferred income                                                                                        
 tax benefit                                                                                           
 (expense)...........              (33)             338             --              (57)           248 
                         -------------      -----------   ------------  ---------------  ------------- 
 Amounts                                                                                               
   reclassified                                                                                        
   from AOCI, net                                                                                      
   of income tax.....               69             (632)            --              102           (461)
                         -------------      -----------   ------------  ---------------  ------------- 
Balance at                                                                                             
 December 31, 2017...     $      6,351       $      906    $      (47)   $      (1,782)   $      5,428 
                         =============      ===========   ============  ===============  ============= 

--------                                                                        

(1) See Note 8 for information on offsets to investments related to future      
policy benefits, DAC, VOBA and DSI, and the policyholder dividend       
obligation.                                                             

(2) See Note 3.                                                                 

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Notes to the Consolidated Financial Statements -- (continued) 

12. Equity (continued)                                                          

  Information regarding amounts reclassified out of each component of AOCI was
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                                                                  Consolidated Statement of   
AOCI Components                                         Amounts Reclassified from AOCI              Operations Locations      
-------------------------------------------------  ----------------------------------------     ------------------------------
                                                           Years Ended December 31,                                           
                                                   ----------------------------------------                                   
                                                      2017           2016            2015                                     
                                                   ----------   -------------   -------------                                 
                                                                 (In millions)                                                
                                                                                                                              
Net unrealized investment gains (losses):                                                                                     
Net unrealized investment gains (losses)..........  $      12    $         10    $       (208)  Net investment gains (losses) 
Net unrealized investment gains (losses)..........          3              21              31   Net investment income         
Net unrealized investment gains (losses)..........       (117)           (102)           (228)  Net derivative gains (losses) 
                                                   ----------   -------------   -------------                                 
 Net unrealized investment gains (losses), before                                                                             
   income tax.....................................       (102)            (71)           (405)                                
Income tax (expense) benefit......................         33              26             144                                 
                                                   ----------   -------------   -------------                                 
 Net unrealized investment gains (losses), net of                                                                             
   income tax.....................................        (69)            (45)           (261)                                
                                                   ----------   -------------   -------------                                 
Unrealized gains (losses) on derivatives--cash                                                                                
 flow hedges:                                                                                                                 
Interest rate swaps...............................         24              57              83   Net derivative gains (losses) 
Interest rate swaps...............................         16              12              11   Net investment income         
Interest rate forwards............................        (11)             (1)              4   Net derivative gains (losses) 
Interest rate forwards............................          2               3               2   Net investment income         
Foreign currency swaps............................        938            (251)           (679)  Net derivative gains (losses) 
Foreign currency swaps............................         (1)             (1)             (1)  Net investment income         
Credit forwards...................................          1               3               1   Net derivative gains (losses) 
Credit forwards...................................          1               1               1   Net investment income         
                                                   ----------   -------------   -------------                                 
 Gains (losses) on cash flow hedges, before                                                                                   
   income tax.....................................        970            (177)           (578)                                
Income tax (expense) benefit......................       (338)             62             202                                 
                                                   ----------   -------------   -------------                                 
 Gains (losses) on cash flow hedges, net of                                                                                   
   income tax.....................................        632            (115)           (376)                                
                                                   ----------   -------------   -------------                                 
Defined benefit plans adjustment: (1).............                                                                            
Amortization of net actuarial gains (losses)......       (179)           (198)           (233)                                
Amortization of prior service (costs) credit......         20               7               4                                 
                                                   ----------   -------------   -------------                                 
 Amortization of defined benefit plan items,                                                                                  
   before income tax..............................       (159)           (191)           (229)                                
Income tax (expense) benefit......................         57              60              80                                 
                                                   ----------   -------------   -------------                                 
 Amortization of defined benefit plan items, net                                                                              
   of income tax..................................      (102)            (131)           (149)                                
                                                   ----------   -------------   -------------                                 
 Total reclassifications, net of income tax.......  $     461    $      (291)    $      (786)                                 
                                                   ==========   =============   =============                                 

--------                                                                        

(1)These AOCI components are included in the computation of net periodic        
benefit costs. See Note 14.                                               

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Notes to the Consolidated Financial Statements -- (continued) 

13. Other Expenses                                                              

Information on other expenses was as follows:                             

                                                        [Enlarge/Download Table]

                                                   Years Ended December 31,          
                                         ------------------------------------------- 
                                              2017           2016           2015     
                                         -------------  -------------  ------------- 
                                                        (In millions)                
                                                                                     
General and administrative expenses.....  $      2,608   $      2,598   $      3,063 
Pension, postretirement and                                                          
 postemployment benefit costs...........           167            251            241 
Premium taxes, other taxes, and                                                      
 licenses & fees........................           273            367            358 
Commissions and other variable expenses.         1,801          2,366          2,214 
Capitalization of DAC...................           (61)          (332)          (482)
Amortization of DAC and VOBA............           241            441            742 
Interest expense on debt................           106            112            122 
                                         -------------  -------------  ------------- 
 Total other expenses...................  $      5,135   $      5,803   $      6,258 
                                         =============  =============  ============= 

 Certain prior year amounts have been reclassified to conform to the current
year presentation, which has been revised to align the expense categories with  
the Company's businesses. The reclassifications did not result in a change to   
total other expenses.                                                           

Capitalization of DAC and Amortization of DAC and VOBA                          

See Note 5 for additional information on DAC and VOBA including impacts of
capitalization and amortization. See also Note 7 for a description of the DAC   
amortization impact associated with the closed block.                           

Interest Expense on Debt                                                        

See Note 11 for additional information on interest expense on debt.       

Affiliated Expenses                                                             

Commissions and other variable expenses, capitalization of DAC and        
amortization of DAC and VOBA include the impact of affiliated reinsurance       
transactions. See Notes 6, 11 and 18 for a discussion of affiliated expenses    
included in the table above.                                                    

Income Tax                                                                      

  See Note 15 for information on the charge related to income tax for the year
ended December 31, 2015.                                                        

Restructuring Charges                                                           

In 2016, the Company completed a previous enterprise-wide strategic       
initiative. These restructuring charges are included in other expenses. As the  
expenses relate to an enterprise-wide initiative, they are reported in          
Corporate & Other. Information regarding restructuring charges was as follows:  

                                                        [Enlarge/Download Table]

                                                                                    Years Ended December 31,                
                                                                    --------------------------------------------------------
                                                                                2016                        2015            
                                                                    ---------------------------- ---------------------------
                                                                               Lease and                   Lease and        
                                                                                 Asset                       Asset          
                                                                    Severance  Impairment Total  Severance Impairment Total 
                                                                    --------- ----------- ------ --------- ---------- ------
                                                                                         (In millions)                      
                                                                                                                            
Balance at January 1,..............................................  $   17      $   4    $   21  $   31    $     6   $   37
Restructuring charges..............................................      --          1         1      52          4       56
Cash payments......................................................    (17)        (4)      (21)    (66)        (6)     (72)
                                                                     ------      -----    ------  ------    -------   ------
Balance at December 31,............................................  $   --      $   1    $    1  $   17    $     4   $   21
                                                                     ======      =====    ======  ======    =======   ======
Total restructuring charges incurred since inception of initiative.  $  306      $  47    $  353  $  306    $    46   $  352
                                                                     ======      =====    ======  ======    =======   ======

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans                                                      

Pension and Other Postretirement Benefit Plans                                  

The Company sponsors and administers various qualified and nonqualified   
defined benefit pension plans and other postretirement employee benefit plans   
covering employees who meet specified eligibility requirements. Pension         
benefits are provided utilizing either a traditional formula or cash balance    
formula. The traditional formula provides benefits that are primarily based     
upon years of credited service and either final average or career average       
earnings. The cash balance formula utilizes hypothetical or notional accounts   
which credit participants with benefits equal to a percentage of eligible pay,  
as well as interest credits, determined annually based upon the annual rate of  
interest on 30-year U.S. Treasury securities, for each account balance. The     
nonqualified pension plans provide supplemental benefits in excess of limits    
applicable to a qualified plan. Participating affiliates are allocated an       
equitable share of net expense related to the plans, proportionate to other     
expenses being allocated to these affiliates.                                   

The Company also provides certain postemployment benefits and certain     
postretirement medical and life insurance benefits for retired employees.       
Employees of MetLife who were hired prior to 2003 (or, in certain cases,        
rehired during or after 2003) and meet age and service criteria while working   
for the Company may become eligible for these other postretirement benefits, at 
various levels, in accordance with the applicable plans. Virtually all          
retirees, or their beneficiaries, contribute a portion of the total costs of    
postretirement medical benefits. Employees of MetLife hired after 2003 are not  
eligible for any employer subsidy for postretirement medical benefits.          
Participating affiliates are allocated a proportionate share of net expense and 
contributions related to the postemployment and other postretirement plans.     

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

Obligations and Funded Status                                               

                                                        [Enlarge/Download Table]

                                                                                    December 31,                            
                                                        ------------------------------------------------------------------- 
                                                                       2017                               2016              
                                                        ----------------------------------  ------------------------------- 
                                                                               Other                            Other       
                                                            Pension         Postretirement     Pension       Postretirement 
                                                            Benefits (1)      Benefits       Benefits (1)      Benefits     
                                                        ----------------  ----------------  -------------  ---------------- 
                                                                                   (In millions)                            
                                                                                                                            
Change in benefit obligations:                                                                                              
Benefit obligations at January 1,......................     $      9,837      $      1,742   $      9,760      $      1,905 
Service costs..........................................              169                 6            203                 9 
Interest costs.........................................              415                75            415                82 
Plan participants' contributions.......................               --                33             --                33 
Net actuarial (gains) losses...........................              618               (96)           298              (119)
Divestitures, settlements and curtailments (2).........                3                 2           (270)               (8)
Change in benefits and other...........................               --                --            (11)              (43)
Benefits paid..........................................             (563)             (106)          (558)             (117)
Effect of foreign currency translation.................               --                --             --                -- 
                                                        ----------------  ----------------  -------------  ---------------- 
  Benefit obligations at December 31,..................           10,479             1,656          9,837             1,742 
                                                        ----------------  ----------------  -------------  ---------------- 
Change in plan assets:                                                                                                      
Estimated fair value of plan assets at January 1,......            8,721             1,379          8,490             1,372 
Actual return on plan assets...........................              947               124            620                75 
Divestitures (2).......................................               --                --           (155)               -- 
Plan participants' contributions.......................               --                33             --                33 
Employer contributions.................................              266                (4)           324                16 
Benefits paid..........................................             (563)             (106)          (558)             (117)
                                                        ----------------  ----------------  -------------  ---------------- 
  Estimated fair value of plan assets at December 31,..            9,371             1,426          8,721             1,379 
                                                        ----------------  ----------------  -------------  ---------------- 
  Over (under) funded status at December 31,...........     $     (1,108)     $       (230)  $     (1,116)     $       (363)
                                                        ================  ================  =============  ================ 
Amounts recognized on the consolidated balance sheets:                                                                      
Other assets...........................................     $         55      $        160   $         --      $         -- 
Other liabilities......................................           (1,163)             (390)        (1,116)             (363)
                                                        ----------------  ----------------  -------------  ---------------- 
  Net amount recognized................................     $     (1,108)     $       (230)  $     (1,116)     $       (363)
                                                        ================  ================  =============  ================ 
AOCI:                                                                                                                       
Net actuarial (gains) losses...........................     $      2,831      $        (55)  $      2,839      $         93 
Prior service costs (credit)...........................              (10)              (26)           (11)              (48)
                                                        ----------------  ----------------  -------------  ---------------- 
  AOCI, before income tax..............................     $      2,821      $        (81)  $      2,828      $         45 
                                                        ================  ================  =============  ================ 
  Accumulated benefit obligation.......................     $     10,180               N/A   $      9,557               N/A 
                                                        ================                    =============                   

-------------                                                                   

(1) Includes nonqualified unfunded plans, for which the aggregate PBO was       
$1.2 billion at December 31, 2017 and $1.1 billion at December 31, 2016.

(2) Divestitures for the year ended December 31, 2016 include amounts related   
to the disposition of NELICO and GALIC. See Note 3.                     

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

Information for pension plans with PBOs in excess of plan assets and      
accumulated benefit obligations ("ABO") in excess of plan assets was as follows 
at:                                                                             

                                                        [Enlarge/Download Table]

                                                        December 31,                                  
                                     -----------------------------------------------------------------
                                            2017          2016               2017             2016    
                                       ------------    ------------     ------------    ------------  
                                     PBO Exceeds Estimated Fair Value ABO Exceeds Estimated Fair Value
                                          of Plan Assets                   of Plan Assets             
                                     -------------------------------- --------------------------------
                                                                  (In millions)                       
                                                                                                      
Projected benefit obligations....... $      1,163     $      9,837    $      1,163     $      1,093   
Accumulated benefit obligations..... $      1,116     $      9,557    $      1,116     $      1,046   
Estimated fair value of plan assets. $         --     $      8,721    $         --     $         --   

Net Periodic Benefit Costs                                                  

  The components of net periodic benefit costs and other changes in plan
assets and benefit obligations recognized in OCI were as follows:         

                                                        [Enlarge/Download Table]

                                                                       Years Ended December 31,                              
                                         ----------------------------------------------------------------------------------- 
                                                    2017                        2016                         2015            
                                         --------------------------  --------------------------  --------------------------- 
                                                         Other                       Other                        Other      
                                          Pension    Postretirement   Pension    Postretirement   Pension     Postretirement 
                                          Benefits     Benefits       Benefits     Benefits       Benefits      Benefits     
                                         ---------  ---------------  ---------  ---------------  ----------  --------------- 
                                                                            (In millions)                                    
                                                                                                                             
Net periodic benefit costs:                                                                                                  
Service costs...........................  $    169          $     6   $    203            $   9   $     217          $    15 
Interest costs..........................       415               75        415               82         404               88 
Settlement and curtailment costs (1)....         3                2          1               30          --               -- 
Expected return on plan assets..........      (509)             (72)      (527)             (74)       (538)             (80)
Amortization of net actuarial (gains)                                                                                        
 losses.................................       189               --        188               10         190               43 
Amortization of prior service costs                                                                                          
 (credit)...............................        (1)             (22)        (1)              (6)         (1)              (3)
Allocated to affiliates.................       (48)               1        (64)              (9)        (59)             (18)
                                         ---------  ---------------  ---------  ---------------  ----------  --------------- 
 Total net periodic benefit costs                                                                                            
   (credit).............................       218              (10)       215               42         213               45 
                                         ---------  ---------------  ---------  ---------------  ----------  --------------- 
Other changes in plan assets and                                                                                             
 benefit obligations recognized in OCI:                                                                                      
Net actuarial (gains) losses............       181             (148)       176             (121)         50             (156)
Prior service costs (credit)............        --               --        (11)             (40)         --               (7)
Dispositions (2)........................        --               --        (32)               2          --               -- 
Amortization of net actuarial (gains)                                                                                        
 losses.................................      (189)              --       (188)             (10)       (190)             (43)
Amortization of prior service (costs)                                                                                        
 credit.................................         1               22          1                6           1                3 
                                         ---------  ---------------  ---------  ---------------  ----------  --------------- 
 Total recognized in OCI................        (7)            (126)       (54)            (163)       (139)            (203)
                                         ---------  ---------------  ---------  ---------------  ----------  --------------- 
 Total recognized in net periodic                                                                                            
   benefit costs and OCI................  $    211          $  (136)  $    161            $(121)  $      74          $  (158)
                                         =========  ===============  =========  ===============  ==========  =============== 

--------                                                                        

(1) The Company recognized curtailment charges in 2016 on certain               
postretirement benefit plans in connection with the U.S. Retail Advisor 
Force Divestiture See Note 18.                                          

(2) See Note 3.                                                                 

The estimated net actuarial (gains) losses and prior service costs    
(credit) for the defined benefit pension plans and other postretirement     
benefit plans that will be amortized from AOCI into net periodic benefit    
costs over the next year are $171 million and ($1) million, and ($6) million
and ($19) million, respectively.                                            

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

Assumptions                                                                 

Assumptions used in determining benefit obligations were as follows:  

                                                        [Enlarge/Download Table]

                                        Pension Benefits   Other Postretirement Benefits
                                    -------------------- -------------------------------
                                                                                        
December 31, 2017                                                                       
Weighted average discount rate.....        3.65%                      3.70%             
Rate of compensation increase......    2.25% - 8.50%                   N/A              
December 31, 2016                                                                       
Weighted average discount rate.....        4.30%                      4.45%             
Rate of compensation increase......    2.25% - 8.50%                   N/A              

     Assumptions used in determining net periodic benefit costs were as follows:

                                                        [Enlarge/Download Table]

                                                             Pension Benefits   Other Postretirement Benefits
                                                         -------------------- -------------------------------
                                                                                                             
Year Ended December 31, 2017                                                                                 
Weighted average discount rate..........................        4.30%                      4.45%             
Weighted average expected rate of return on plan assets.        6.00%                      5.36%             
Rate of compensation increase...........................    2.25% - 8.50%                   N/A              
Year Ended December 31, 2016                                                                                 
Weighted average discount rate..........................        4.13%                      4.37%             
Weighted average expected rate of return on plan assets.        6.00%                      5.53%             
Rate of compensation increase...........................    2.25% - 8.50%                   N/A              
Year Ended December 31, 2015                                                                                 
Weighted average discount rate..........................        4.10%                      4.10%             
Weighted average expected rate of return on plan assets.        6.25%                      5.70%             
Rate of compensation increase...........................    2.25% - 8.50%                   N/A              

The weighted average discount rate is determined annually based on the
yield, measured on a yield to worst basis, of a hypothetical portfolio      
 constructed of high quality debt instruments available on the valuation date,
which would provide the necessary future cash flows to pay the aggregate PBO
when due.                                                                   

 The weighted average expected rate of return on plan assets is based on
anticipated performance of the various asset sectors in which the plan      
invests, weighted by target allocation percentages. Anticipated future      
performance is based on long-term historical returns of the plan assets by  
sector, adjusted for the Company's long-term expectations on the performance
of the markets. While the precise expected rate of return derived using this
approach will fluctuate from year to year, the Company's policy is to hold  
this long-term assumption constant as long as it remains within reasonable  
tolerance from the derived rate.                                            

The weighted average expected rate of return on plan assets for use in
that plan's valuation in 2018 is currently anticipated to be 5.75% for      
pension benefits and 5.11% for other postretirement benefits.               

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

 The assumed healthcare costs trend rates used in measuring the APBO and
net periodic benefit costs were as follows:                                 

                                                        [Enlarge/Download Table]

                                                                            December 31,                 
                                                            ---------------------------------------------
                                                                     2017                   2016         
                                                            ---------------------- ----------------------
                                                               Before   Age 65 and    Before   Age 65 and
                                                             Age 65      older      Age 65      older    
                                                            --------- ------------ --------- ------------
                                                                                                         
Following year.............................................      5.6%         6.6%      6.8%          13%
Ultimate rate to which cost increase is assumed to decline.      4.0%         4.3%      4.0%         4.3%
Year in which the ultimate trend rate is reached...........      2086         2098      2077         2092

   Assumed healthcare costs trend rates may have a significant effect on the
amounts reported for healthcare plans. A 1% change in assumed healthcare    
costs trend rates would have the following effects as of December 31, 2017: 

                                                        [Enlarge/Download Table]

                                                            One Percent   One Percent
                                                            Increase      Decrease   
                                                          ------------- -------------
                                                                 (In millions)       
                                                                                     
Effect on total of service and interest costs components.    $        9  $        (8)
Effect of accumulated postretirement benefit obligations.    $      186  $      (154)

Plan Assets                                                                 

The Company provides MetLife employees with benefits under various    
Employee Retirement Income Security Act of 1974 ("ERISA") benefit plans.    
These include qualified pension plans, postretirement medical plans and     
certain retiree life insurance coverage. The assets of the Company's        
qualified pension plans are held in an insurance group annuity contract, and
the vast majority of the assets of the postretirement medical plan and      
backing the retiree life coverage are held in a trust which largely utilizes
insurance contracts to hold the assets. All of these contracts are issued by
the Company, and the assets under the contracts are held in insurance       
separate accounts that have been established by the Company. The underlying 
assets of the separate accounts are principally comprised of cash and cash  
equivalents, short-term investments, fixed maturity and equity securities,  
derivatives, real estate, private equity investments and hedge fund         
investments.                                                                

The insurance contract provider engages investment management         
firms ("Managers") to serve as sub-advisors for the separate accounts based 
on the specific investment needs and requests identified by the plan        
fiduciary. These Managers have portfolio management discretion over the     
purchasing and selling of securities and other investment assets pursuant to
the respective investment management agreements and guidelines established  
for each insurance separate account. The assets of the qualified pension    
plans and postretirement medical plans (the "Invested Plans") are well      
 diversified across multiple asset categories and across a number of different
Managers, with the intent of minimizing risk concentrations within any given
asset category or with any of the given Managers.                           

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

The Invested Plans, other than those held in participant directed     
investment accounts, are managed in accordance with investment policies     
consistent with the longer-term nature of related benefit obligations and   
within prudent risk parameters. Specifically, investment policies are       
oriented toward (i) maximizing the Invested Plan's funded status;           
(ii) minimizing the volatility of the Invested Plan's funded status;        
(iii) generating asset returns that exceed liability increases; and         
(iv) targeting rates of return in excess of a custom benchmark and industry 
standards over appropriate reference time periods. These goals are expected 
to be met through identifying appropriate and diversified asset classes and 
allocations, ensuring adequate liquidity to pay benefits and expenses when  
due and controlling the costs of administering and managing the Invested    
Plan's investments. Independent investment consultants are periodically used
to evaluate the investment risk of the Invested Plan's assets relative to   
liabilities, analyze the economic and portfolio impact of various asset     
allocations and management strategies and recommend asset allocations.      

Derivative contracts may be used to reduce investment risk, to manage 
 duration and to replicate the risk/return profile of an asset or asset class.
 Derivatives may not be used to leverage a portfolio in any manner, such as to
magnify exposure to an asset, asset class, interest rates or any other      
financial variable. Derivatives are also prohibited for use in creating     
exposures to securities, currencies, indices or any other financial variable
that is otherwise restricted.                                               

  The table below summarizes the actual weighted average allocation of the
estimated fair value of total plan assets by asset class at December 31 for 
the years indicated and the approved target allocation by major asset class 
at December 31, 2017 for the Invested Plans:                                

                                                        [Enlarge/Download Table]

                                                            December 31,                                   
                          ---------------------------------------------------------------------------------
                                            2017                                     2016                  
                          ----------------------------------------- ---------------------------------------
                                               Other Postretirement                    Other Postretirement
                             Pension Benefits         Benefits (1)    Pension Benefits       Benefits (1)  
                          -------------------- -------------------- ------------------ --------------------
                                     Actual               Actual          Actual              Actual       
                            Target  Allocation   Target  Allocation     Allocation          Allocation     
                          -------- ----------- -------- ----------- ------------------ --------------------
                                                                                                           
Asset Class                                                                                                
Fixed maturity securities   82%          82%        85%         84%                81%                  76%
Equity securities (2)....   10%          10%        15%         15%                11%                  24%
Alternative                                                                                                
 securities (3)..........    8%           8%        --%          1%                 8%                  --%
                                   -----------          ----------- ------------------ --------------------
 Total assets............               100%                   100%               100%                 100%
                                   ===========          =========== ================== ====================

--------                                                                        

(1) Other postretirement benefits do not reflect postretirement life insurance  
plan assets invested in fixed maturity securities.                      

(2) Equity securities percentage includes derivative assets.                    

(3) Alternative securities primarily include hedge, private equity and real     
estate funds.                                                           

Estimated Fair Value                                                        

  The pension and other postretirement benefit plan assets are categorized
into a three-level fair value hierarchy, as described in Note 10, based upon
the significant input with the lowest level in its valuation. The Level 2   
 asset category includes certain separate accounts that are primarily invested
 in liquid and readily marketable securities. The estimated fair value of such
separate accounts is based upon reported NAV provided by fund managers and  
this value represents the amount at which transfers into and out of the     
respective separate account are effected. These separate accounts provide   
reasonable levels of price transparency and can be corroborated through     
observable market data. Directly held investments are primarily invested in 
U.S. and foreign government and corporate securities. The Level 3 asset     
category includes separate accounts that are invested in assets that provide
little or no price transparency due to the infrequency with which the       
 underlying assets trade and generally require additional time to liquidate in
an orderly manner. Accordingly, the values for separate accounts invested in
these alternative asset classes are based on inputs that cannot be readily  
derived from or corroborated by observable market data.                     

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

The pension and other postretirement plan assets measured at estimated
 fair value on a recurring basis and their corresponding placement in the fair
value hierarchy are summarized as follows:                                  

                                                        [Enlarge/Download Table]

                                                                    December 31, 2017                                 
                                   -----------------------------------------------------------------------------------
                                               Pension Benefits                    Other Postretirement Benefits      
                                   ----------------------------------------- -----------------------------------------
                                       Fair Value Hierarchy                      Fair Value Hierarchy                 
                                   -----------------------------             -----------------------------            
                                                                    Total                                     Total   
                                                                  Estimated                                 Estimated 
                                     Level 1   Level 2   Level 3  Fair Value   Level 1   Level 2   Level 3  Fair Value
                                   --------- --------- --------- ----------- --------- --------- --------- -----------
                                                                      (In millions)                                   
                                                                                                                      
Assets                                                                                                                
Fixed maturity securities:                                                                                            
Corporate.........................  $    --   $  3,726   $    1    $  3,727    $   20    $  362    $  --     $    382 
U.S. government bonds.............    1,256        528       --       1,784       269         6       --          275 
Foreign bonds.....................       --        937       --         937        --        94       --           94 
Federal agencies..................       35        134       --         169        --        17       --           17 
Municipals........................       --        335       --         335        --        28       --           28 
Short-term investments............      135        192       --         327         8       391       --          399 
Other (1).........................        7        383        9         399        --        68       --           68 
                                   --------- --------- --------- ----------- --------- --------- --------- -----------
  Total fixed maturity securities.    1,433      6,235       10       7,678       297       966       --        1,263 
                                   --------- --------- --------- ----------- --------- --------- --------- -----------
Equity securities:                                                                                                    
Common stock - domestic...........      480         91       --         571        80        --       --           80 
Common stock - foreign............      317         --        3         320        73        --       --           73 
                                   --------- --------- --------- ----------- --------- --------- --------- -----------
  Total equity securities.........      797         91        3         891       153        --       --          153 
                                   --------- --------- --------- ----------- --------- --------- --------- -----------
Other investments.................       --        144      622         766        --         9       --            9 
Derivative assets.................       33          2        1          36         1        --       --            1 
                                   --------- --------- --------- ----------- --------- --------- --------- -----------
  Total assets....................  $ 2,263   $  6,472   $  636    $  9,371    $  451    $  975    $  --     $  1,426 
                                   ========= ========= ========= =========== ========= ========= ========= ===========

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

                                                        [Enlarge/Download Table]

                                                                    December 31, 2016                                  
                                   ------------------------------------------------------------------------------------
                                                Pension Benefits                    Other Postretirement Benefits      
                                   ------------------------------------------ -----------------------------------------
                                        Fair Value Hierarchy                      Fair Value Hierarchy                 
                                   ------------------------------             -----------------------------            
                                                                     Total                                     Total   
                                                                   Estimated                                 Estimated 
                                     Level 1   Level 2    Level 3  Fair Value   Level 1   Level 2   Level 3  Fair Value
                                   --------- ---------  --------- ----------- --------- --------- --------- -----------
                                                                      (In millions)                                    
                                                                                                                       
Assets                                                                                                                 
Fixed maturity securities:                                                                                             
Corporate.........................  $     --  $  3,406    $   --    $  3,406    $   20    $  305    $  --     $    325 
U.S. government bonds.............     1,655         4        --       1,659       210         1       --          211 
Foreign bonds.....................        --       775        --         775        --        72       --           72 
Federal agencies..................        --       196        --         196        --        28       --           28 
Municipals........................        --       313        --         313        --        23       --           23 
Short-term investments............       118       212        --         330        13       416       --          429 
Other (1).........................        --       362         9         371        --        55       --           55 
                                   --------- ---------  --------- ----------- --------- --------- --------- -----------
  Total fixed maturity securities.     1,773     5,268         9       7,050       243       900       --        1,143 
                                   --------- ---------  --------- ----------- --------- --------- --------- -----------
Equity securities:                                                                                                     
Common stock - domestic...........       474        --        --         474       113        --       --          113 
Common stock - foreign............       380        --        --         380       122        --       --          122 
                                   --------- ---------  --------- ----------- --------- --------- --------- -----------
  Total equity securities.........       854        --        --         854       235        --       --          235 
                                   --------- ---------  --------- ----------- --------- --------- --------- -----------
Other investments.................        --       105       634         739        --        --       --           -- 
Derivative assets.................        16        (2)       64          78         1        --       --            1 
                                   --------- ---------  --------- ----------- --------- --------- --------- -----------
  Total assets....................  $  2,643  $  5,371    $  707    $  8,721    $  479    $  900    $  --     $  1,379 
                                   ========= =========  ========= =========== ========= ========= ========= ===========

-------------                                                                   

(1) Other primarily includes money market securities, mortgage-backed           
securities, collateralized mortgage obligations and ABS.                

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

   A rollforward of all pension and other postretirement benefit plan assets
measured at estimated fair value on a recurring basis using significant     
unobservable (Level 3) inputs was as follows:                               

                                                        [Enlarge/Download Table]

                                                  Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                                  --------------------------------------------------------------------   
                                                                            Pension Benefits                             
                                                  --------------------------------------------------------------------   
                                                                                      Equity                             
                                                     Fixed Maturity Securities      Securities                           
                                                  ------------------------------    ----------                           
                                                                                       Common                            
                                                                Foreign               Stock -      Other       Derivative
                                                   Corporate     Bonds    Other (1)   Foreign    Investments    Assets   
                                                  ----------   --------  ---------- ---------- ------------- ------------
                                                                       (In millions)                                     
                                                                                                                         
Balance, January 1, 2016.........................   $    78     $    17    $    7    $    --      $    722      $    75  
Realized gains (losses)..........................         3          --        --         --            (1)           3  
Unrealized gains (losses)........................         3          (4)        1         --            32          (18) 
Purchases, sales, issuances and settlements, net.       (22)         (3)       --         --          (119)           6  
Transfers into and/or out of Level 3.............       (62)        (10)        1         --            --           (2) 
                                                  ----------   --------  ---------- ---------- ------------- ------------
Balance, December 31, 2016.......................   $    --     $    --    $    9    $    --      $    634      $    64  
Realized gains (losses)..........................       (10)         --        --          2            --          (22) 
Unrealized gains (losses)........................        10          --        --         --           (12)           6  
Purchases, sales, issuances and settlements, net.        --          --         7         (4)           --          (47) 
Transfers into and/or out of Level 3.............         1          --        (7)         5            --           --  
                                                  ----------   --------  ---------- ---------- ------------- ------------
Balance, December 31, 2017.......................   $     1     $    --    $    9    $     3      $    622      $     1  
                                                  ==========   ========  ========== ========== ============= ============

--------                                                                        

(1) Other includes ABS and collateralized mortgage obligations.                 

For the years ended December 31, 2017 and 2016, there were no other   
postretirement benefit plan assets measured at estimated fair value on a    
recurring basis using significant unobservable (Level 3) inputs.            

Expected Future Contributions and Benefit Payments                          

It is the Company's practice to make contributions to the qualified   
pension plan to comply with minimum funding requirements of ERISA. In       
accordance with such practice, no contributions are required for 2018. The  
Company expects to make discretionary contributions to the qualified pension
plan of $150 million in 2018. For information on employer contributions, see
"-- Obligations and Funded Status."                                         

 Benefit payments due under the nonqualified pension plans are primarily
funded from the Company's general assets as they become due under the       
provision of the plans, therefore benefit payments equal employer           
contributions. The Company expects to make contributions of $70 million to  
fund the benefit payments in 2018.                                          

Postretirement benefits are either: (i) not vested under law; (ii) a  
non-funded obligation of the Company; or (iii) both. Current regulations do 
not require funding for these benefits. The Company uses its general assets,
net of participant's contributions, to pay postretirement medical claims as 
they come due. As permitted under the terms of the governing trust document,
the Company may be reimbursed from plan assets for postretirement medical   
claims paid from their general assets. The Company expects to make          
contributions of $50 million towards benefit obligations in 2018 to pay     
postretirement medical claims.                                              

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

Gross benefit payments for the next 10 years, which reflect expected  
future service where appropriate, are expected to be as follows:            

                                                                [Download Table]

                              Pension Benefits   Other Postretirement Benefits
                          -------------------- -------------------------------
                                             (In millions)                    
                                                                              
2018.....................     $            562                  $           85
2019.....................     $            571                  $           88
2020.....................     $            587                  $           88
2021.....................     $            591                  $           87
2022.....................     $            606                  $           88
2023-2027................     $          3,227                  $          443

Additional Information                                                      

  As previously discussed, most of the assets of the pension benefit plans
are held in a group annuity contract issued by the Company while some of the
assets of the postretirement benefit plans are held in a trust which largely
utilizes life insurance contracts issued by the Company to hold such assets.
 Total revenues from these contracts recognized on the consolidated statements
of operations were $56 million, $57 million and $55 million for the years   
ended December 31, 2017, 2016 and 2015, respectively, and included policy   
charges and net investment income from investments backing the contracts and
administrative fees. Total investment income (loss), including realized and 
 unrealized gains (losses), credited to the account balances was $1.1 billion,
$660 million and ($130) million for the years ended December 31, 2017, 2016 
and 2015, respectively. The terms of these contracts are consistent in all  
material respects with those the Company offers to unaffiliated parties that
are similarly situated.                                                     

Defined Contribution Plans                                                      

The Company sponsors defined contribution plans for substantially all     
MetLife employees under which a portion of employee contributions are matched.  
The Company contributed $65 million, $73 million and $72 million for the years  
ended December 31, 2017, 2016 and 2015, respectively.                           

15. Income Tax                                                                  

 On December 22, 2017, President Trump signed into law U.S. Tax Reform. U.S.
Tax Reform includes numerous changes in tax law, including a permanent          
reduction in the federal corporate income tax rate from 35% to 21%, which took  
effect for taxable years beginning on or after January 1, 2018. U.S. Tax Reform 
moves the United States from a worldwide tax system to a participation          
exemption system by providing corporations a 100% dividends received deduction  
("DRD") for dividends distributed by a controlled foreign corporation. To       
transition to that new system, U.S. Tax Reform imposes a one-time deemed        
repatriation tax on unremitted earnings and profits at a rate of 8.0% for       
illiquid assets and 15.5% for cash and cash equivalents.                        

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

  The incremental financial statement impact related to U.S. Tax Reform was as
follows:                                                                        

                                                        [Enlarge/Download Table]

                                                                                    U.S. Tax Reform
                                                                                    ---------------
                                                                                     (In millions) 
                                                                                                   
Income (loss) before provision for income tax......................................  $        (66) 
Provision for income tax expense (benefit):                                                        
Deferred tax revaluation...........................................................        (1,112) 
                                                                                    ---------------
 Total provision for income tax expense (benefit)..................................        (1,112) 
                                                                                    ---------------
Income (loss), net of income tax...................................................          1,046 
Income tax (expense) benefit related to items of other comprehensive income (loss).            133 
                                                                                    ---------------
Increase to net equity from U.S. Tax Reform........................................  $       1,179 
                                                                                    ===============

In accordance with SAB 118 issued by the U.S. Securities and Exchange     
Commission ("SEC") in December 2017, the Company has recorded provisional       
amounts for certain items for which the income tax accounting is not complete.  
For these items, the Company has recorded a reasonable estimate of the tax      
effects of U.S. Tax Reform. The estimates will be reported as provisional       
amounts during a measurement period, which will not exceed one year from the    
date of enactment of U.S. Tax Reform. The Company may reflect adjustments to    
its provisional amounts upon obtaining, preparing, or analyzing additional      
information about facts and circumstances that existed as of the enactment date 
that, if known, would have affected the income tax effects initially reported   
as provisional amounts.                                                         

  The following items are considered provisional estimates due to complexities
and ambiguities in U.S. Tax Reform which resulted in incomplete accounting for  
the tax effects of these provisions. Further guidance, either legislative or    
interpretive, and analysis will be required to complete the accounting for      
these items:                                                                    

.  Deemed Repatriation Transition Tax - The Company has recorded a        
$1 million charge for this item.                                    

 .  Global Intangible Low-Tax Income - U.S. Tax Reform imposes a minimum tax
     on global intangible low-tax income, which is generally the excess income
 of foreign subsidiaries over a 10% rate of routine return on tangible
   business assets. The Company has not yet formally adopted an accounting
   policy for this item. For the year ended December 31, 2017, the Company
     did not record a tax charge and tax incurred in future periods related to
     global intangible low-tax income will be recorded in the period incurred.

.  Compensation and Fringe Benefits - U.S. Tax Reform limits certain      
employer deductions for fringe benefit and related expenses and also
     repeals the exception allowing the deduction of certain performance-based
    compensation paid to certain senior executives. The Company has recorded
   an $8 million tax charge, included within the deferred tax revaluation.

.  Alternative Minimum Tax Credits - U.S. Tax Reform eliminates the       
corporate alternative minimum tax and allows for minimum tax credit 
   carryforwards to be used to offset future regular tax or to be refunded
 over the next few years. However, pursuant to the requirements of the
  Balanced Budget and Emergency Deficit Control Act of 1985, as amended,
  refund payments issued for corporations claiming refundable prior year
  alternative minimum tax credits are subject to a sequestration rate of
   6.6%. The application of this fee to refunds in future years is subject
  to further guidance. Additionally, the sequestration reduction rate in
    effect at the time is subject to uncertainty. The Company has recorded a
$7 million tax charge included within the deferred tax revaluation. 

.   Tax Credit Partnerships - Certain tax credit partnership investments      
derive returns in part from income tax credits. The Company recognizes
 changes in tax attributes at the partnership level when reported by the
   investee in its financial information. U.S. Tax Reform may impact the tax
attributes of tax credit partnerships. However, investee financial    
 information is not yet available to enable the Company to determine the
    impacts of U.S. Tax Reform. Accordingly, the Company has applied prior law
   to these equity method investments in accordance with SAB 118. During the
   one year measurement period under SAB 118, the impacts of U.S. Tax Reform
     will be recognized as the investee financial information is made available.

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

The provision for income tax was as follows:                                

                                                                [Download Table]

                                             Years Ended December 31, 
                                             -------------------------
                                               2017     2016    2015  
                                             --------  ------  -------
                                                   (In millions)      
                                                                      
Current:                                                              
Federal.....................................  $ 1,511   $ 675   $1,384
State and local.............................        4       5       20
Foreign.....................................       14      40       36
                                             --------  ------  -------
 Subtotal...................................    1,529     720    1,440
                                             --------  ------  -------
Deferred:                                                             
Federal.....................................   (2,099)   (539)     296
Foreign.....................................        9      18       27
                                             --------  ------  -------
 Subtotal...................................   (2,090)   (521)     323
                                             --------  ------  -------
 Provision for income tax expense (benefit).  $  (561)  $ 199   $1,763
                                             ========  ======  =======

 The Company's income (loss) before income tax expense (benefit) from domestic
and foreign operations was as follows:                                          

                                                                [Download Table]

                 Years Ended December 31, 
                --------------------------
                  2017      2016    2015  
                --------  -------  -------
                      (In millions)       
                                          
Income (loss):                            
Domestic.......  $ 4,045   $2,379   $4,409
Foreign........   (1,079)    (438)      72
                --------  -------  -------
 Total.........  $ 2,966   $1,941   $4,481
                ========  =======  =======

The reconciliation of the income tax provision at the U.S. statutory rate to
the provision for income tax as reported was as follows:                        

                                                                [Download Table]

                                              Years Ended December 31, 
                                             ------------------------- 
                                               2017     2016     2015  
                                             --------  ------  ------- 
                                                   (In millions)       
                                                                       
Tax provision at U.S. statutory rate........  $ 1,039   $ 679   $1,569 
Tax effect of:                                                         
Dividend received deduction.................      (65)    (79)     (82)
Tax-exempt income...........................      (49)    (38)     (24)
Prior year tax (1)..........................      (29)    (33)     558 
Low income housing tax credits..............     (278)   (270)    (221)
Other tax credits...........................     (101)    (98)     (68)
Foreign tax rate differential...............       --       1       (4)
Change in valuation allowance...............       --      (1)      (1)
U.S. Tax Reform impact (2)..................   (1,089)     --       -- 
Other, net..................................       11      38       36 
                                             --------  ------  ------- 
 Provision for income tax expense (benefit).  $  (561)  $ 199   $1,763 
                                             ========  ======  ======= 

--------                                                                        

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

(1) As discussed further below, for the year ended December 31, 2015, prior     
year tax includes a $557 million non-cash charge related to an uncertain
tax position.                                                           

(2) U.S. Tax Reform impact of ($1.1) billion excludes ($23) million of tax      
provision at the U.S. statutory rate for a total tax reform benefit of  
($1.1) billion.                                                         

Deferred income tax represents the tax effect of the differences between the
book and tax bases of assets and liabilities. Net deferred income tax assets    
and liabilities consisted of the following at:                                  

                                                                [Download Table]

                                                 December 31,    
                                              ------------------ 
                                                2017      2016   
                                              --------  -------- 
                                                 (In millions)   
                                                                 
Deferred income tax assets:                                      
Policyholder liabilities and receivables.....  $ 1,361   $   292 
Net operating loss carryforwards.............       23        27 
Employee benefits............................      595       828 
Tax credit carryforwards.....................    1,127       947 
Litigation-related and government mandated...      117       212 
Other........................................      437       460 
                                              --------  -------- 
  Total gross deferred income tax assets.....    3,660     2,766 
Less: Valuation allowance....................       20        20 
                                              --------  -------- 
  Total net deferred income tax assets.......    3,640     2,746 
                                              --------  -------- 
Deferred income tax liabilities:                                 
Investments, including derivatives...........    1,989     1,234 
Intangibles..................................       32        53 
DAC..........................................      673     1,150 
Net unrealized investment gains..............    2,313     2,693 
Other........................................        2         1 
                                              --------  -------- 
  Total deferred income tax liabilities......    5,009     5,131 
                                              --------  -------- 
  Net deferred income tax asset (liability)..  $(1,369)  $(2,385)
                                              ========  ======== 

The Company has not recorded an additional valuation allowance benefit or   
charge related to certain state net operating loss carryforwards for the year   
ended December 31, 2017. The valuation allowance reflects management's          
assessment, based on available information, that it is more likely than not     
that the deferred income tax asset for certain state net operating loss         
carryforwards will not be realized. The tax benefit will be recognized when     
management believes that it is more likely than not that these deferred income  
tax assets are realizable.                                                      

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

The following table sets forth the domestic and state net operating loss    
carryforwards for tax purposes at December 31, 2017.                            

                                                                [Download Table]

             Net Operating Loss Carryforwards
             --------------------------------
             Domestic          State         
             --------          -----         
             (In millions)                   
                                             
Expiration:                                  
2018-2022...      $--           $ 49         
2023-2027...       --             64         
2028-2032...       --             13         
2033-2037...       12              2         
Indefinite..       --             --         
             --------          -----         
                  $12           $128         
                  ==            ===          

The following table sets forth the general business credits, foreign tax    
credits, and other credit carryforwards for tax purposes at December 31, 2017.  

                                                                [Download Table]

                      Tax Credit Carryforwards         
             ------------------------------------------
             General Business                          
                 Credits      Foreign Tax Credits Other
             ---------------- ------------------- -----
                           (In millions)               
                                                       
Expiration:                                            
2018-2022...           $   --                 $10  $ --
2023-2027...               --                  88    --
2028-2032...              232                  --    --
2033-2037...              832                  --    --
Indefinite..               --                  --   194
             ---------------- ------------------- -----
                       $1,064                 $98  $194
             ================ =================== =====

The Company participates in a tax sharing agreement with MetLife, Inc., as  
described in Note 1. Pursuant to this tax sharing agreement, the amounts due    
from affiliates included $203 million and $60 million for the years ended       
December 31, 2017 and 2016, respectively.                                       

The Company files income tax returns with the U.S. federal government and   
various state and local jurisdictions, as well as foreign jurisdictions. The    
Company is under continuous examination by the Internal Revenue Service ("IRS") 
and other tax authorities in jurisdictions in which the Company has significant 
business operations. The income tax years under examination vary by             
jurisdiction and subsidiary. The Company is no longer subject to U.S. federal,  
state, or local income tax examinations for years prior to 2007, except for i)  
2000 through 2002 where the IRS disallowance relates to certain tax credits     
claimed, for which in April 2015, the Company received a Statutory Notice of    
Deficiency (the "Notice") and paid the tax thereon in September 2015 (see note  
(1) below); and ii) 2003 through 2006, where the IRS disallowance relates       
predominantly to certain tax credits claimed and the Company is engaged with    
IRS Appeals. Management believes it has established adequate tax liabilities    
and final resolution for the years 2000 through 2006 is not expected to have a  
material impact on the Company's consolidated financial statements. The IRS     
audit cycle for the years 2007-2009, which began in December of 2015, is        
scheduled to conclude in 2018.                                                  

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

The Company's liability for unrecognized tax benefits may increase or     
decrease in the next 12 months. For example, federal tax legislation could      
impact unrecognized tax benefits. A reasonable estimate of the increase or      
decrease cannot be made at this time. However, the Company continues to believe 
that the ultimate resolution of the pending issues will not result in a         
material change to its consolidated financial statements, although the          
resolution of income tax matters could impact the Company's effective tax rate  
for a particular future period.                                                 

A reconciliation of the beginning and ending amount of unrecognized tax   
benefits was as follows:                                                        

                                                        [Enlarge/Download Table]

                                                                                          Years Ended December 31,           
                                                                               --------------------------------------------- 
                                                                                    2017           2016            2015      
                                                                               -------------  -------------  --------------- 
                                                                                               (In millions)                 
                                                                                                                             
Balance at January 1,.........................................................  $        931   $      1,075   $          546 
Additions for tax positions of prior years (1)................................            --              7              558 
Reductions for tax positions of prior years (2)...............................           (38)          (109)              -- 
Additions for tax positions of current year...................................             4              6                4 
Reductions for tax positions of current year..................................            (1)            --               -- 
Settlements with tax authorities..............................................            (6)           (48)             (33)
                                                                               -------------  -------------  --------------- 
Balance at December 31,.......................................................  $        890   $        931   $        1,075 
                                                                               =============  =============  =============== 
Unrecognized tax benefits that, if recognized would impact the effective rate.  $        890   $        931   $        1,060 
                                                                               =============  =============  =============== 

--------                                                                        

(1) The significant increase in 2015 is related to a non-cash charge the        
  Company recorded to net income of $792 million, net of tax. The charge was
related to an uncertain tax position and was comprised of a $557 million
charge included in provision for income tax expense (benefit) and a     
  $362 million ($235 million, net of tax) charge included in other expenses.
This charge is the result of the Company's consideration of certain     
   decisions of the U.S. Court of Appeals for the Second Circuit upholding the
   disallowance of foreign tax credits claimed by other corporate entities not
   affiliated with the Company. The Company's action relates to tax years from
   2000 to 2009, during which MLIC held non-U.S. investments in support of its
   life insurance business through a United Kingdom investment subsidiary that
was structured as a joint venture at the time.                          

(2) Included for 2016 is the impact of the dividend by Metropolitan Life        
Insurance Company of all of the issued and outstanding shares of common 
stock of each of NELICO and GALIC to MetLife, Inc.                      

  The Company classifies interest accrued related to unrecognized tax benefits
in interest expense, included within other expenses, while penalties are        
included in income tax expense.                                                 

Interest was as follows:                                                  

                                                        [Enlarge/Download Table]

                                                                               Years Ended December 31,    
                                                                           --------------------------------
                                                                             2017       2016        2015   
                                                                           --------- ----------  ----------
                                                                                    (In millions)          
                                                                                                           
Interest recognized on the consolidated statements of operations (1)...... $      47 $      (33) $      382

                                                                                          December 31,     
                                                                                     ----------------------
                                                                                        2017        2016   
                                                                                     ----------  ----------
                                                                                         (In millions)     
Interest included in other liabilities on the consolidated balance sheets.           $      653  $      606

--------                                                                        

(1) The significant increase in 2015 is related to the non-cash charge          
discussed above.                                                        

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

  The Company had no penalties for the years ended December 31, 2017, 2016 and
2015.                                                                           

There has been no change in the Company's position on the disallowance of 
its foreign tax credits by the IRS. The Company continues to contest the        
disallowance of these foreign tax credits by the IRS as management believes the 
facts strongly support the Company's position. The Company will defend its      
position vigorously and does not expect any additional charges related to this  
matter.                                                                         

Also related to the aforementioned foreign tax credit matter, on April 9, 
2015, the IRS issued the Notice to the Company. The Notice asserted that the    
Company owes additional taxes and interest for 2000 through 2002 primarily due  
to the disallowance of foreign tax credits. The transactions that are the       
subject of the Notice continue through 2009, and it is likely that the IRS will 
seek to challenge these later periods. On September 18, 2015, the Company paid  
the assessed tax and interest of $444 million for 2000 through 2002. On         
November 19, 2015, $9 million of this amount was refunded from the IRS as an    
overpayment of interest. On May 30, 2017, the Company filed a claim for refund  
with the IRS for the remaining tax and interest.                                

Prior to U.S. Tax Reform, the DRD related to variable life insurance and  
annuity contracts was generally based on a company specific percentage referred 
to as the company's share. The calculation of this amount was subject to        
significant dispute between taxpayers and the IRS. U.S. Tax Reform eliminated   
this dispute by fixing the calculation to a specific percentage subsequent to   
2017.                                                                           

  For the years ended December 31, 2017, 2016 and 2015, the Company recognized
an income tax benefit of $60 million, $75 million and $76 million,              
respectively, related to the separate account DRD. The 2017 benefit included an 
expense of $1 million related to a true-up of the 2016 tax return.              

16. Contingencies, Commitments and Guarantees                                   

Contingencies                                                                   

Litigation                                                                  

The Company is a defendant in a large number of litigation matters. In
some of the matters, very large and/or indeterminate amounts, including     
 punitive and treble damages, are sought. Modern pleading practice in the U.S.
permits considerable variation in the assertion of monetary damages or other
relief. Jurisdictions may permit claimants not to specify the monetary      
damages sought or may permit claimants to state only that the amount sought 
is sufficient to invoke the jurisdiction of the trial court. In addition,   
jurisdictions may permit plaintiffs to allege monetary damages in amounts   
well exceeding reasonably possible verdicts in the jurisdiction for similar 
matters. This variability in pleadings, together with the actual experience 
of the Company in litigating or resolving through settlement numerous claims
 over an extended period of time, demonstrates to management that the monetary
 relief which may be specified in a lawsuit or claim bears little relevance to
its merits or disposition value.                                            

   Due to the vagaries of litigation, the outcome of a litigation matter and
the amount or range of potential loss at particular points in time may      
normally be difficult to ascertain. Uncertainties can include how fact      
finders will evaluate documentary evidence and the credibility and          
effectiveness of witness testimony, and how trial and appellate courts will 
apply the law in the context of the pleadings or evidence presented, whether
by motion practice, at trial or on appeal. Disposition valuations are also  
subject to the uncertainty of how opposing parties and their counsel will   
view the relevant evidence and applicable law.                              

The Company establishes liabilities for litigation and regulatory loss
contingencies when it is probable that a loss has been incurred and the     
amount of the loss can be reasonably estimated. Liabilities have been       
 established for a number of the matters noted below. It is possible that some
of the matters could require the Company to pay damages or make other       
expenditures or establish accruals in amounts that could not be reasonably  
estimated at December 31, 2017. While the potential future charges could be 
material in the particular quarterly or annual periods in which they are    
 recorded, based on information currently known to management, management does
not believe any such charges are likely to have a material effect on the    
Company's financial position.                                               

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Matters as to Which an Estimate Can Be Made                               

    For some of the matters disclosed below, the Company is able to estimate
a reasonably possible range of loss. For such matters where a loss is     
believed to be reasonably possible, but not probable, the Company has not 
made an accrual. As of December 31, 2017, the Company estimates the       
aggregate range of reasonably possible losses in excess of amounts accrued
for these matters to be $0 to $325 million.                               

Matters as to Which an Estimate Cannot Be Made                            

   For other matters disclosed below, the Company is not currently able to
  estimate the reasonably possible loss or range of loss. The Company is often
 unable to estimate the possible loss or range of loss until developments in
such matters have provided sufficient information to support an assessment
of the range of possible loss, such as quantification of a damage demand  
from plaintiffs, discovery from other parties and investigation of factual
allegations, rulings by the court on motions or appeals, analysis by      
experts, and the progress of settlement negotiations. On a quarterly and  
annual basis, the Company reviews relevant information with respect to    
  litigation contingencies and updates its accruals, disclosures and estimates
of reasonably possible losses or ranges of loss based on such reviews.    

Asbestos-Related Claims                                                   

Metropolitan Life Insurance Company is and has been a defendant in a
large number of asbestos-related suits filed primarily in state courts.   
These suits principally allege that the plaintiff or plaintiffs suffered  
  personal injury resulting from exposure to asbestos and seek both actual and
punitive damages. Metropolitan Life Insurance Company has never engaged in
the business of manufacturing, producing, distributing or selling asbestos
 or asbestos-containing products nor has Metropolitan Life Insurance Company
issued liability or workers' compensation insurance to companies in the   
business of manufacturing, producing, distributing or selling asbestos or 
asbestos-containing products. The lawsuits principally have focused on    
allegations with respect to certain research, publication and other       
  activities of one or more of Metropolitan Life Insurance Company's employees
during the period from the 1920's through approximately the 1950's and    
allege that Metropolitan Life Insurance Company learned or should have    
learned of certain health risks posed by asbestos and, among other things,
  improperly publicized or failed to disclose those health risks. Metropolitan
Life Insurance Company believes that it should not have legal liability in
these cases. The outcome of most asbestos litigation matters, however, is 
uncertain and can be impacted by numerous variables, including differences
 in legal rulings in various jurisdictions, the nature of the alleged injury
and factors unrelated to the ultimate legal merit of the claims asserted  
against Metropolitan Life Insurance Company. Metropolitan Life Insurance  
Company employs a number of resolution strategies to manage its asbestos  
loss exposure, including seeking resolution of pending litigation by      
judicial rulings and settling individual or groups of claims or lawsuits  
under appropriate circumstances.                                          

     Claims asserted against Metropolitan Life Insurance Company have included
negligence, intentional tort and conspiracy concerning the health risks   
associated with asbestos. Metropolitan Life Insurance Company's defenses  
(beyond denial of certain factual allegations) include that:              
  (i) Metropolitan Life Insurance Company owed no duty to the plaintiffs -- it
had no special relationship with the plaintiffs and did not manufacture,  
produce, distribute or sell the asbestos products that allegedly injured  
  plaintiffs; (ii) plaintiffs did not rely on any actions of Metropolitan Life
Insurance Company; (iii) Metropolitan Life Insurance Company's conduct was
not the cause of the plaintiffs' injuries; (iv) plaintiffs' exposure      
occurred after the dangers of asbestos were known; and (v) the applicable 
time with respect to filing suit has expired. During the course of the    
litigation, certain trial courts have granted motions dismissing claims   
against Metropolitan Life Insurance Company, while other trial courts have
denied Metropolitan Life Insurance Company's motions. There can be no     
assurance that Metropolitan Life Insurance Company will receive favorable 
decisions on motions in the future. While most cases brought to date have 
settled, Metropolitan Life Insurance Company intends to continue to defend
 aggressively against claims based on asbestos exposure, including defending
claims at trials.                                                         

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

   The approximate total number of asbestos personal injury claims pending
against Metropolitan Life Insurance Company as of the dates indicated, the
approximate number of new claims during the years ended on those dates and
 the approximate total settlement payments made to resolve asbestos personal
  injury claims at or during those years are set forth in the following table:

                                                        [Enlarge/Download Table]

                                                             December 31,                
                                             --------------------------------------------
                                                  2017           2016           2015     
                                             -------------- -------------- --------------
                                                (In millions, except number of claims)   
                                                                                         
Asbestos personal injury claims at year end.         62,930         67,223         67,787
Number of new claims during the year........          3,514          4,146          3,856
Settlement payments during the year (1).....  $        48.6  $        50.2  $        56.1

--------                                                                        

(1) Settlement payments represent payments made by Metropolitan Life Insurance  
Company during the year in connection with settlements made in that year
and in prior years. Amounts do not include Metropolitan Life Insurance  
Company's attorneys' fees and expenses.                                 

     The number of asbestos cases that may be brought, the aggregate amount of
any liability that Metropolitan Life Insurance Company may incur, and the 
total amount paid in settlements in any given year are uncertain and may  
vary significantly from year to year.                                     

The ability of Metropolitan Life Insurance Company to estimate its  
ultimate asbestos exposure is subject to considerable uncertainty, and the
  conditions impacting its liability can be dynamic and subject to change. The
 availability of reliable data is limited and it is difficult to predict the
  numerous variables that can affect liability estimates, including the number
of future claims, the cost to resolve claims, the disease mix and severity
of disease in pending and future claims, the impact of the number of new  
claims filed in a particular jurisdiction and variations in the law in the
 jurisdictions in which claims are filed, the possible impact of tort reform
efforts, the willingness of courts to allow plaintiffs to pursue claims   
against Metropolitan Life Insurance Company when exposure to asbestos took
  place after the dangers of asbestos exposure were well known, and the impact
of any possible future adverse verdicts and their amounts.                

The ability to make estimates regarding ultimate asbestos exposure  
declines significantly as the estimates relate to years further in the    
future. In the Company's judgment, there is a future point after which    
losses cease to be probable and reasonably estimable. It is reasonably    
possible that the Company's total exposure to asbestos claims may be      
materially greater than the asbestos liability currently accrued and that 
future charges to income may be necessary. While the potential future     
charges could be material in the particular quarterly or annual periods in
  which they are recorded, based on information currently known by management,
management does not believe any such charges are likely to have a material
effect on the Company's financial position.                               

     The Company believes adequate provision has been made in its consolidated
financial statements for all probable and reasonably estimable losses for 
asbestos-related claims. Metropolitan Life Insurance Company's recorded   
 asbestos liability is based on its estimation of the following elements, as
informed by the facts presently known to it, its understanding of current 
law and its past experiences: (i) the probable and reasonably estimable   
liability for asbestos claims already asserted against Metropolitan Life  
Insurance Company, including claims settled but not yet paid; (ii) the    
probable and reasonably estimable liability for asbestos claims not yet   
  asserted against Metropolitan Life Insurance Company, but which Metropolitan
Life Insurance Company believes are reasonably probable of assertion; and 
(iii) the legal defense costs associated with the foregoing claims.       
Significant assumptions underlying Metropolitan Life Insurance Company's  
 analysis of the adequacy of its recorded liability with respect to asbestos
litigation include: (i) the number of future claims; (ii) the cost to     
resolve claims; and (iii) the cost to defend claims.                      

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

     Metropolitan Life Insurance Company reevaluates on a quarterly and annual
basis its exposure from asbestos litigation, including studying its claims
experience, reviewing external literature regarding asbestos claims       
experience in the United States, assessing relevant trends impacting      
asbestos liability and considering numerous variables that can affect its 
asbestos liability exposure on an overall or per claim basis. These       
variables include bankruptcies of other companies involved in asbestos    
litigation, legislative and judicial developments, the number of pending  
 claims involving serious disease, the number of new claims filed against it
and other defendants and the jurisdictions in which claims are pending.   
Based upon its regular reevaluation of its exposure from asbestos         
litigation, Metropolitan Life Insurance Company has updated its liability 
  analysis for asbestos-related claims through December 31, 2017. Metropolitan
  Life Insurance Company increased its recorded liability for asbestos-related
claims to $551 million at December 31, 2017.                              

Regulatory Matters                                                        

     The Company receives and responds to subpoenas or other inquiries seeking
a broad range of information from state regulators, including state       
  insurance commissioners; state attorneys general or other state governmental
authorities; federal regulators, including the SEC; federal governmental  
 authorities, including congressional committees; and the Financial Industry
 Regulatory Authority ("FINRA"). The issues involved in information requests
and regulatory matters vary widely. The Company cooperates in these       
inquiries.                                                                

In the Matter of Chemform, Inc. Site, Pompano Beach, Broward County,  
Florida                                                               

 In July 2010, the Environmental Protection Agency ("EPA") advised
Metropolitan Life Insurance Company that it believed payments were due
under two settlement agreements, known as "Administrative Orders on   
Consent," that New England Mutual Life Insurance Company ("New England
Mutual") signed in 1989 and 1992 with respect to the cleanup of a     
Superfund site in Florida (the "Chemform Site"). The EPA originally   
    contacted Metropolitan Life Insurance Company (as successor to New England
  Mutual) and a third party in 2001, and advised that they owed additional
   clean-up costs for the Chemform Site. The matter was not resolved at that
   time. In September 2012, the EPA, Metropolitan Life Insurance Company and
 the third party executed an Administrative Order on Consent under which
Metropolitan Life Insurance Company and the third party agreed to be  
 responsible for certain environmental testing at the Chemform Site. The
EPA may seek additional costs if the environmental testing identifies 
issues. The EPA and Metropolitan Life Insurance Company have reached a
settlement in principal on the EPA's claim for past costs. The Company
 estimates that the aggregate cost to resolve this matter, including the
settlement for claims of past costs and the costs of environmental    
testing, will not exceed $300 thousand.                               

Sales Practices Regulatory Matters.                                   

Regulatory authorities in a number of states and FINRA, and     
occasionally the SEC, have had investigations or inquiries relating to
    sales of individual life insurance policies or annuities or other products
  by Metropolitan Life Insurance Company. These investigations often focus
 on the conduct of particular financial services representatives and the
sale of unregistered or unsuitable products or the misuse of client   
   assets. Over the past several years, these and a number of investigations
 by other regulatory authorities were resolved for monetary payments and
certain other relief, including restitution payments. The Company may 
continue to resolve investigations in a similar manner. The Company   
 believes adequate provision has been made in its consolidated financial
statements for all probable and reasonably estimable losses for these 
sales practices-related investigations or inquiries.                  

Unclaimed Property Litigation                                         

     Alleging that MetLife, Inc., Metropolitan Life Insurance Company, and
  several other insurance companies violated the New York False Claims Act
  (the "Act") by filing false unclaimed property reports from 1986 to 2017
   with New York to avoid having to escheat the proceeds of more than 25,000
life insurance policies, including policies for which the defendants  
   escheated funds as part of their demutualization in the late 1990s, Total
 Asset Recovery Services ("The Relator") has brought an action under the
    qui tam provision of the Act on behalf of itself and New York. The Relator
originally filed this action under seal in 2010, and the complaint was
   unsealed on December 19, 2017. The Relator seeks treble damages and other
relief. The Company intends to defend this action vigorously.         

Total Control Accounts Litigation                                         

       Metropolitan Life Insurance Company is a defendant in a lawsuit related
to its use of retained asset accounts, known as TCAs, as a settlement 
option for death benefits.                                            

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

 Owens v. Metropolitan Life Insurance Company (N.D. Ga., filed April 17,
2014)                                                                 

      Plaintiff filed this class action lawsuit on behalf of all persons for
  whom Metropolitan Life Insurance Company established a TCA, to pay death
 benefits under an ERISA plan. The action alleges that Metropolitan Life
Insurance Company's use of the TCA as the settlement option for life  
insurance benefits under some group life insurance policies violates  
Metropolitan Life Insurance Company's fiduciary duties under ERISA. As
 damages, plaintiff seeks disgorgement of profits that Metropolitan Life
  Insurance Company realized on accounts owned by members of the class. In
   addition, plaintiff, on behalf of a subgroup of the class, seeks interest
    under Georgia's delayed settlement interest statute, alleging that the use
of the TCA as the settlement option did not constitute payment. On    
    September 27, 2016, the court denied Metropolitan Life Insurance Company's
 summary judgment motion in full and granted plaintiff's partial summary
  judgment motion. On September 29, 2017, the court certified a nationwide
    class. The court also certified a Georgia subclass. The Company intends to
defend this action vigorously.                                        

Inquiries into Pension Benefits                                           

The Company informed its primary state regulator, the New York State  
Department of Financial Services ("NYDFS"), about its practices in        
connection with the payment of certain pension benefits to annuitants and 
related matters. The NYDFS is examining the issue. The Division of        
Enforcement of the SEC is also investigating this matter and several      
additional regulators, including, but not limited to, the Massachusetts   
 Securities Division, have made inquiries into these practices, including as
to related disclosures. It is possible that other jurisdictions may pursue
similar investigations or inquiries. On February 13, 2018, the Company    
 announced that in connection with a review of practices and procedures used
to estimate reserves related to certain RIS group annuitants who have been
unresponsive or missing over time, the Company had identified a material  
  weakness in its internal control over financial reporting related to certain
RIS group annuity reserves. In conjunction with the material weakness, the
Company increased reserves by $510 million pre-tax to reinstate reserves  
previously released, and to reflect accrued interest and other related    
liabilities. See Note 1.                                                  

   The Company is exposed to regulatory investigations, and could be exposed
to additional legal actions. These may result in payments, including      
  damages, fines, penalties, interest and other amounts assessed or awarded by
 courts or regulatory authorities under applicable escheat, tax, securities,
ERISA, or other laws or regulations. The Company could incur significant  
costs in connection with these actions. The Company's increase in reserves
 does not reflect, and the Company has not recorded an accrual for, any such
 potential amounts. An estimate of the possible loss or range of loss cannot
be made at this time.                                                     

Other Litigation                                                          

Sun Life Assurance Company of Canada Indemnity Claim                  

In 2006, Sun Life Assurance Company of Canada ("Sun Life"), as  
successor to the purchaser of Metropolitan Life Insurance Company's   
Canadian operations, filed a lawsuit in Toronto, seeking a declaration
that Metropolitan Life Insurance Company remains liable for "market   
    conduct claims" related to certain individual life insurance policies sold
   by Metropolitan Life Insurance Company that were subsequently transferred
to Sun Life. In January 2010, the court found that Sun Life had given 
   timely notice of its claim for indemnification but, because it found that
   Sun Life had not yet incurred an indemnifiable loss, granted Metropolitan
   Life Insurance Company's motion for summary judgment. Both parties agreed
 to consider the indemnity claim through arbitration. In September 2010,
Sun Life notified Metropolitan Life Insurance Company that a purported
   class action lawsuit was filed against Sun Life in Toronto alleging sales
practices claims regarding the policies sold by Metropolitan Life     
Insurance Company and transferred to Sun Life. On August 30, 2011, Sun
  Life notified Metropolitan Life Insurance Company that another purported
   class action lawsuit was filed against Sun Life in Vancouver, BC alleging
sales practices claims regarding certain of the same policies sold by 
   Metropolitan Life Insurance Company and transferred to Sun Life. Sun Life
contends that Metropolitan Life Insurance Company is obligated to     
   indemnify Sun Life for some or all of the claims in these lawsuits. These
sales practices cases against Sun Life are ongoing.                   

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Voshall v. Metropolitan Life Insurance Company (Superior Court of the 
State of California, County of Los Angeles, April 8, 2015)            

       Plaintiff filed this putative class action lawsuit on behalf of himself
and all persons covered under a long-term group disability income     
  insurance policy issued by Metropolitan Life Insurance Company to public
   entities in California between April 8, 2011 and April 8, 2015. Plaintiff
alleges that Metropolitan Life Insurance Company improperly reduced   
benefits by including cost of living adjustments and employee paid    
 contributions in the employer retirement benefits and other income that
   reduces the benefit payable under such policies. Plaintiff asserts causes
  of action for declaratory relief, violation of the California Business &
    Professions Code, breach of contract and breach of the implied covenant of
good faith and fair dealing. The Company intends to defend this action
vigorously.                                                           

    Martin v. Metropolitan Life Insurance Company (Superior Court of the State
of California, County of Contra Costa, filed December 17, 2015)       

Plaintiffs filed this putative class action lawsuit on behalf of
themselves and all California persons who have been charged compound  
  interest by Metropolitan Life Insurance Company in life insurance policy
    and/or premium loan balances within the last four years. Plaintiffs allege
that Metropolitan Life Insurance Company has engaged in a pattern and 
practice of charging compound interest on life insurance policy and   
   premium loans without the borrower authorizing such compounding, and that
this constitutes an unlawful business practice under California law.  
 Plaintiffs assert causes of action for declaratory relief, violation of
   California's Unfair Competition Law and Usury Law, and unjust enrichment.
Plaintiffs seek declaratory and injunctive relief, restitution of     
interest, and damages in an unspecified amount. On April 12, 2016, the
court granted Metropolitan Life Insurance Company's motion to dismiss.
Plaintiffs have appealed this ruling.                                 

 Lau v. Metropolitan Life Insurance Company (S.D.N.Y. filed, December 3,
2015)                                                                 

This putative class action lawsuit was filed by a single defined
 contribution plan participant on behalf of all ERISA plans whose assets
were invested in Metropolitan Life Insurance Company's "Group Annuity 
  Contract Stable Value Funds" within the past six years. The suit alleges
 breaches of fiduciary duty under ERISA and challenges the "spread" with
    respect to the stable value fund group annuity products sold to retirement
plans. The allegations focus on the methodology Metropolitan Life     
Insurance Company uses to establish and reset the crediting rate, the 
    terms under which plan participants are permitted to transfer funds from a
   stable value option to another investment option, the procedures followed
if an employer terminates a contract, and the level of disclosure     
 provided. Plaintiff seeks declaratory and injunctive relief, as well as
  damages in an unspecified amount. The parties have settled and the court
has dismissed the action.                                             

   Newman v. Metropolitan Life Insurance Company (N.D. Ill., filed March 23,
2016)                                                                 

    Plaintiff filed this putative class action alleging causes of action
for breach of contract, fraud, and violations of the Illinois Consumer
Fraud and Deceptive Business Practices Act, based on Metropolitan Life
   Insurance Company's class-wide increase in premiums charged for long-term
  care insurance policies. Plaintiff alleges a class consisting of herself
  and all persons over age 65 who selected a Reduced Pay at Age 65 payment
feature and whose premium rates were increased after age 65. Plaintiff
asserts that premiums could not be increased for these class members  
and/or that marketing material was misleading as to Metropolitan Life 
Insurance Company's right to increase premiums. Plaintiff seeks       
unspecified compensatory, statutory and punitive damages as well as   
  recessionary and injunctive relief. On April 12, 2017, the court granted
  Metropolitan Life Insurance Company's motion, dismissing the action with
 prejudice. Plaintiff appealed this ruling to the United States Court of
Appeals for the Seventh Circuit and on February 6, 2018, the Seventh  
Circuit reversed and remanded for further proceedings, ruling that    
plaintiff is entitled to relief on her contract claim.                

  Miller, et al. v. MetLife, Inc., et al. (C.D. Cal., filed April 7, 2017)

     Plaintiffs filed this putative class action against MetLife, Inc. and
Metropolitan Life Insurance Company in the U.S. District Court for the
  Central District of California, purporting to assert claims on behalf of
all persons who replaced their MetLife Optional Term Life or Group    
   Universal Life policy with a Group Variable Universal Life policy wherein
    MetLife allegedly charged smoker rates for certain non-smokers. Plaintiffs
seek unspecified compensatory and punitive damages, as well as other  
    relief. On September 25, 2017, plaintiffs dismissed the action and refiled
the complaint in U.S. District Court for the Southern District of New 
York. On November 9, 2017, plaintiffs dismissed MetLife, Inc. without 
   prejudice from the action. Metropolitan Life Insurance Company intends to
defend this action vigorously.                                        

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

   Julian & McKinney v. Metropolitan Life Insurance Company (S.D.N.Y., filed
February 9, 2017)                                                     

       Plaintiffs filed this putative class and collective action on behalf of
   themselves and all current and former long-term disability ("LTD") claims
specialists between February 2011 and the present for alleged wage and
hour violations under the Fair Labor Standards Act, the New York Labor
Law, and the Connecticut Minimum Wage Act. The suit alleges that      
    Metropolitan Life Insurance Company improperly reclassified the plaintiffs
 and similarly situated LTD claims specialists from non-exempt to exempt
  from overtime pay in November 2013. As a result, they and members of the
  putative class were no longer eligible for overtime pay even though they
allege they continued to work more than 40 hours per week. The Company
intends to defend this action vigorously.                             

Sales Practices Claims                                                

   Over the past several years, the Company has faced numerous claims,
  including class action lawsuits, alleging improper marketing or sales of
individual life insurance policies, annuities, mutual funds, other    
 products or the misuse of client assets. Some of the current cases seek
   substantial damages, including punitive and treble damages and attorneys'
fees. The Company continues to defend vigorously against the claims in
 these matters. The Company believes adequate provision has been made in
its consolidated financial statements for all probable and reasonably 
estimable losses for sales practices matters.                         

Summary                                                                   

  Putative or certified class action litigation and other litigation and
claims and assessments against the Company, in addition to those discussed
previously and those otherwise provided for in the Company's consolidated 
financial statements, have arisen in the course of the Company's business,
including, but not limited to, in connection with its activities as an    
insurer, investor and taxpayer. Further, state insurance regulatory       
  authorities and other federal and state authorities regularly make inquiries
and conduct investigations concerning the Company's compliance with       
applicable insurance and other laws and regulations.                      

It is not possible to predict the ultimate outcome of all pending   
investigations and legal proceedings. In some of the matters referred to  
 previously, very large and/or indeterminate amounts, including punitive and
 treble damages, are sought. Although in light of these considerations it is
possible that an adverse outcome in certain cases could have a material   
  effect upon the Company's financial position, based on information currently
known by the Company's management, in its opinion, the outcomes of such   
 pending investigations and legal proceedings are not likely to have such an
effect. However, given the large and/or indeterminate amounts sought in   
  certain of these matters and the inherent unpredictability of litigation, it
is possible that an adverse outcome in certain matters could, from time to
time, have a material effect on the Company's consolidated net income or  
cash flows in particular quarterly or annual periods.                     

Insolvency Assessments                                                      

Most of the jurisdictions in which the Company is admitted to transact
business require insurers doing business within the jurisdiction to         
participate in guaranty associations, which are organized to pay contractual
 benefits owed pursuant to insurance policies issued by impaired, insolvent or
failed insurers. These associations levy assessments, up to prescribed      
limits, on all member insurers in a particular state on the basis of the    
proportionate share of the premiums written by member insurers in the lines 
of business in which the impaired, insolvent or failed insurer engaged. Some
states permit member insurers to recover assessments paid through full or   
partial premium tax offsets.                                                

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

 Assets and liabilities held for insolvency assessments were as follows:

                                                                [Download Table]

                                                    December 31,       
                                              -------------------------
                                                  2017         2016    
                                              ------------ ------------
                                                    (In millions)      
                                                                       
Other Assets:                                                          
Premium tax offset for future discounted and                           
 undiscounted assessments....................  $        51  $        24
Premium tax offsets currently available for                            
 paid assessments............................           49           32
                                              ------------ ------------
 Total.......................................  $       100  $        56
                                              ============ ============
Other Liabilities:                                                     
Insolvency assessments.......................  $        66  $        37
                                              ============ ============

Commitments                                                                     

Leases                                                                      

The Company, as lessee, has entered into various lease and sublease   
agreements for office space, information technology, aircrafts and other    
equipment. Future minimum gross rental payments relating to these lease     
arrangements are as follows:                                                

                                                                [Download Table]

                                   Amount     
                               ---------------
                                (In millions) 
                                              
2018..........................  $          144
2019..........................             130
2020..........................             134
2021..........................             132
2022..........................             130
Thereafter....................             673
                               ---------------
 Total........................  $        1,343
                               ===============

 In 2017, the Company assigned certain leases to an affiliate, effective
January 1, 2018. The future minimum gross rental payments associated with   
those leases have been omitted from the above table. The Company, as        
assignor, remains liable under the leases to the extent that the affiliate, 
as assignee, cannot meet any obligations.                                   

Total minimum rental payments to be received in the future under      
 non-cancelable subleases were $546 million as of December 31, 2017. Operating
lease expense was $187 million, $204 million, and $191 million for the years
ended December 31, 2017, 2016, and 2015, respectively.                      

Mortgage Loan Commitments                                                   

The Company commits to lend funds under mortgage loan commitments. The
 amounts of these mortgage loan commitments were $3.3 billion and $3.9 billion
at December 31, 2017 and 2016, respectively.                                

Commitments to Fund Partnership Investments, Bank Credit Facilities, Bridge 
Loans and Private Corporate Bond Investments                                

The Company commits to fund partnership investments and to lend funds 
under bank credit facilities, bridge loans and private corporate bond       
investments. The amounts of these unfunded commitments were $3.9 billion and
$4.2 billion at December 31, 2017 and 2016, respectively.                   

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Guarantees                                                                      

In the normal course of its business, the Company has provided certain    
indemnities, guarantees and commitments to third parties such that it may be    
required to make payments now or in the future. In the context of acquisition,  
disposition, investment and other transactions, the Company has provided        
indemnities and guarantees, including those related to tax, environmental and   
other specific liabilities and other indemnities and guarantees that are        
triggered by, among other things, breaches of representations, warranties or    
covenants provided by the Company. In addition, in the normal course of         
business, the Company provides indemnifications to counterparties in contracts  
with triggers similar to the foregoing, as well as for certain other            
liabilities, such as third-party lawsuits. These obligations are often subject  
to time limitations that vary in duration, including contractual limitations    
and those that arise by operation of law, such as applicable statutes of        
limitation. In some cases, the maximum potential obligation under the           
indemnities and guarantees is subject to a contractual limitation ranging from  
less than $1 million to $127 million, with a cumulative maximum of              
$407 million, while in other cases such limitations are not specified or        
applicable. Since certain of these obligations are not subject to limitations,  
the Company does not believe that it is possible to determine the maximum       
potential amount that could become due under these guarantees in the future.    
Management believes that it is unlikely the Company will have to make any       
material payments under these indemnities, guarantees, or commitments.          

 In addition, the Company indemnifies its directors and officers as provided
in its charters and by-laws. Also, the Company indemnifies its agents for       
liabilities incurred as a result of their representation of the Company's       
interests. Since these indemnities are generally not subject to limitation with 
respect to duration or amount, the Company does not believe that it is possible 
to determine the maximum potential amount that could become due under these     
indemnities in the future.                                                      

The Company's recorded liabilities were $4 million and $5 million at      
December 31, 2017 and 2016, respectively, for indemnities, guarantees and       
commitments.                                                                    

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Notes to the Consolidated Financial Statements -- (continued) 

17. Quarterly Results of Operations (Unaudited)                                 

The unaudited quarterly results of operations for 2017 and 2016 are         
summarized in the table below:                                                  

                                                        [Enlarge/Download Table]

                                                                            Three Months Ended                          
                --------------------------------------------------------------------------------------------------------
                            March 31,                          June 30,                         September 30,           
                --------------------------------- ---------------------------------  ---------------------------------- 
                    As                                As                                 As                             
                Previously                 As     Previously                  As     Previously                  As     
                 Reported  Revisions (1) Revised   Reported  Revisions (1)  Revised   Reported  Revisions (1)  Revised  
                ---------- ------------- -------- ---------- ------------- --------  ---------- ------------- --------- 
                                                                               (In millions)                            
                                                                                                                        
2017                                                                                                                    

 Total                                                                                                                  
 revenues......  $  8,645      $  --     $  8,645  $  9,342      $  --     $  9,342  $  10,286     $    --    $  10,286 

 Total                                                                                                                  
 expenses......  $  7,972      $   6     $  7,978  $  8,528      $   6     $  8,534  $   9,356     $    55    $   9,411 
Net                                                                                                                     
 income                                                                                                                 
 (loss)........  $    551      $  (4)    $    547  $    648      $  (4)    $    644  $     743     $   (35)   $     708 

 Less:                                                                                                                  
 Net                                                                                                                    
 income                                                                                                                 
 (loss)                                                                                                                 
 attributable                                                                                                           
 to                                                                                                                     
 noncontrolling                                                                                                         
 interests.....  $      1      $  --     $      1  $      2      $  --     $      2  $       5     $    --    $       5 
Net                                                                                                                     
 income                                                                                                                 
 (loss)                                                                                                                 
 attributable                                                                                                           
 to                                                                                                                     
 Metropolitan                                                                                                           
 Life                                                                                                                   
 Insurance                                                                                                              
 Company.......  $    550      $  (4)    $    546  $    646      $  (4)    $    642  $     738     $   (35)   $     703 
2016                                                                                                                    

 Total                                                                                                                  
 revenues......  $  8,794      $  --     $  8,794  $  9,082      $  --     $  9,082  $   9,876     $    --    $   9,876 

 Total                                                                                                                  
 expenses......  $  8,196      $   9     $  8,205  $  8,749      $   4     $  8,753  $   9,123     $     3    $   9,126 
Net                                                                                                                     
 income                                                                                                                 
 (loss)........  $    496      $  (6)    $    490  $    326      $  (3)    $    323  $     630     $    (2)   $     628 

 Less:                                                                                                                  
 Net                                                                                                                    
 income                                                                                                                 
 (loss)                                                                                                                 
 attributable                                                                                                           
 to                                                                                                                     
 noncontrolling                                                                                                         
 interests.....  $     --      $  --     $     --  $     (2)     $  --     $     (2) $      (7)    $    --    $      (7)
Net                                                                                                                     
 income                                                                                                                 
 (loss)                                                                                                                 
 attributable                                                                                                           
 to                                                                                                                     
 Metropolitan                                                                                                           
 Life                                                                                                                   
 Insurance                                                                                                              
 Company.......  $    496      $  (6)    $    490  $    328      $  (3)    $    325  $     637     $    (2)   $     635 
                                                                [Download Table]


                ----------------------------------
                           December 31,           
                --------------------------------- 
                    As                            
                Previously                  As    
                 Reported  Revisions (1)  Revised 
                ---------- ------------- -------- 

                                                  
2017                                              

 Total                                            
 revenues......  $  8,952      $  --     $  8,952 

 Total                                            
 expenses......  $  8,336      $  --     $  8,336 
Net                                               
 income                                           
 (loss)........  $  1,628      $  --     $  1,628 

 Less:                                            
 Net                                              
 income                                           
 (loss)                                           
 attributable                                     
 to                                               
 noncontrolling                                   
 interests.....  $     (6)     $  --     $     (6)
Net                                               
 income                                           
 (loss)                                           
 attributable                                     
 to                                               
 Metropolitan                                     
 Life                                             
 Insurance                                        
 Company.......  $  1,634      $  --     $  1,634 
2016                                              

 Total                                            
 revenues......  $  8,738      $  --     $  8,738 

 Total                                            
 expenses......  $  8,459      $   6     $  8,465 
Net                                               
 income                                           
 (loss)........  $    304      $  (3)    $    301 

 Less:                                            
 Net                                              
 income                                           
 (loss)                                           
 attributable                                     
 to                                               
 noncontrolling                                   
 interests.....  $      1      $  --     $      1 
Net                                               
 income                                           
 (loss)                                           
 attributable                                     
 to                                               
 Metropolitan                                     
 Life                                             
 Insurance                                        
 Company.......  $    303      $  (3)    $    300 

--------                                                                        

(1) See Note 1 for information on prior period revisions.                       

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Notes to the Consolidated Financial Statements -- (continued) 

18. Related Party Transactions                                                  

Service Agreements                                                              

  The Company has entered into various agreements with affiliates for services
necessary to conduct its activities. Typical services provided under these      
agreements include personnel, policy administrative functions and distribution  
services. For certain agreements, charges are based on various performance      
measures or activity-based costing. The bases for such charges are modified and 
adjusted by management when necessary or appropriate to reflect fairly and      
equitably the actual cost incurred by the Company and/or affiliate. Expenses    
and fees incurred with affiliates related to these agreements, recorded in      
other expenses, were $2.2 billion, $2.1 billion and $2.1 billion for the years  
ended December 31, 2017, 2016 and 2015, respectively. Revenues received from    
affiliates related to these agreements, recorded in universal life and          
investment-type product policy fees, were $93 million, $138 million and         
$135 million for the years ended December 31, 2017, 2016 and 2015,              
respectively. Revenues received from affiliates related to these agreements,    
recorded in other revenues, were $141 million, $113 million and $151 million    
for the years ended December 31, 2017, 2016 and 2015, respectively.             

The Company also entered into agreements with affiliates to provide       
additional services necessary to conduct the affiliates' activities. Typical    
services provided under these agreements include management, policy             
administrative functions, investment advice and distribution services. Expenses 
incurred by the Company related to these agreements, included in other          
expenses, were $1.4 billion for the year ended December 31, 2017 and            
$1.5 billion for both of the years ended December 31, 2016, and 2015, and were  
reimbursed to the Company by these affiliates.                                  

The Company had net payables to affiliates, related to the items discussed
above, of $205 million and $165 million at December 31, 2017 and 2016,          
respectively.                                                                   

See Notes 6, 8, 11, 12 and 14 for additional information on related party 
transactions.                                                                   

Sales Distribution Services                                                     

In July 2016, MetLife, Inc. completed the U.S. Retail Advisor Force       
Divestiture. MassMutual assumed all of the liabilities related to such assets   
and that arise or occur after the closing of the sale.                          

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Metropolitan Life Insurance Company 
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Schedule I  

Consolidated Summary of Investments --  
Other Than Investments in Related Parties 
December 31, 2017 

(In millions) 

                                                        [Enlarge/Download Table]

                                                                        Estimated        Amount at      
                                                     Cost or             Fair            Which Shown on 
                                                  Amortized Cost (1)     Value         Balance Sheet    
Types of Investments                          ---------------------- -------------- --------------------
                                                                                                        
Fixed maturity securities:                                                                              
Bonds:                                                                                                  
U.S. government and agency securities........ $               35,021 $       38,545 $             38,545
Public utilities.............................                  6,721          7,626                7,626
State and political subdivision securities...                  6,310          7,551                7,551
Foreign government securities................                  3,887          4,502                4,502
All other corporate bonds....................                 70,159         75,178               75,178
                                              ---------------------- -------------- --------------------
  Total bonds................................                122,098        133,402              133,402
Mortgage-backed and asset-backed securities..                 34,933         35,988               35,988
Redeemable preferred stock...................                    778            882                  882
                                              ---------------------- -------------- --------------------
  Total fixed maturity securities............                157,809        170,272              170,272
                                              ---------------------- -------------- --------------------
Equity securities:                                                                                      
Common stock:                                                                                           
  Industrial, miscellaneous and all other....                  1,128          1,181                1,181
  Public utilities...........................                     62             70                   70
Non-redeemable preferred stock...............                    389            407                  407
                                              ---------------------- -------------- --------------------
  Total equity securities....................                  1,579          1,658                1,658
                                              ---------------------- -------------- --------------------
Mortgage loans...............................                 58,459                              58,459
Policy loans.................................                  6,006                               6,006
Real estate and real estate joint ventures...                  6,612                               6,612
Real estate acquired in satisfaction of debt.                     44                                  44
Other limited partnership interests..........                  3,991                               3,991
Short-term investments.......................                  3,155                               3,155
Other invested assets........................                 14,911                              14,911
                                              ----------------------                --------------------
   Total investments......................... $              252,566                $            265,108
                                              ======================                ====================

--------                                                                        
(1) Cost or amortized cost for fixed maturity securities and mortgage loans     
represents original cost reduced by repayments, valuation allowances and
   impairments from other-than-temporary declines in estimated fair value that
are charged to earnings and adjusted for amortization of premiums or    
accretion of discounts; for equity securities, cost represents original 
   cost reduced by impairments from other-than-temporary declines in estimated
fair value; for real estate, cost represents original cost reduced by   
impairments and depreciation; for real estate joint ventures and other  
limited partnership interests, cost represents original cost reduced for
impairments or original cost adjusted for equity in earnings and        
distributions.                                                          

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Metropolitan Life Insurance Company 
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Schedule III  

Consolidated Supplementary Insurance Information  
December 31, 2017, 2016 and 2015  

(In millions) 

                                                        [Enlarge/Download Table]

                            Future Policy Benefits,                                                         
                             Other Policy-Related                                                           
                     DAC         Balances and       Policyholder Policyholder                               
                     and     Policyholder Dividend    Account     Dividends       Unearned        Unearned  
Segment              VOBA         Obligation          Balances     Payable    Premiums (1), (2)  Revenue (1)
------------------ -------- ----------------------- ------------ ------------ ----------------- ------------
                                                                                                            
2017                                                                                                        
U.S............... $    413        $         61,665   $   69,559     $     --      $        165     $     23
MetLife Holdings..    3,930                  66,753       24,380          499               162          179
Corporate & Other.        5                     294           --           --                --           --
                   -------- ----------------------- ------------ ------------ ----------------- ------------
  Total........... $  4,348        $        128,712   $   93,939     $    499      $        327     $    202
                   ======== ======================= ============ ============ ================= ============
2016                                                                                                        
U.S............... $    421        $         58,234   $   66,643     $     --      $        133     $     30
MetLife Holdings..    4,317                  65,982       25,823          510               167          182
Corporate & Other.        5                     337           --           --                --           --
                   -------- ----------------------- ------------ ------------ ----------------- ------------
  Total........... $  4,743        $        124,553   $   92,466     $    510      $        300     $    212
                   ======== ======================= ============ ============ ================= ============
2015                                                                                                        
U.S............... $    418        $         56,429   $   63,716     $     --      $        136     $     33
MetLife Holdings..    5,000                  70,276       29,827          621               171          201
Corporate & Other.      625                   1,506          877            3                 1          321
                   -------- ----------------------- ------------ ------------ ----------------- ------------
  Total........... $  6,043        $        128,211   $   94,420     $    624      $        308     $    555
                   ======== ======================= ============ ============ ================= ============

--------                                                                        
(1) Amounts are included within the future policy benefits, other               
policy-related balances and policyholder dividend obligation column.    

(2) Includes premiums received in advance.                                      

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Schedule III  

Consolidated Supplementary Insurance Information -- (continued) 
December 31, 2017, 2016 and 2015  

(In millions) 

                                                        [Enlarge/Download Table]

                                                     Policyholder    Amortization of              
                                                     Benefits and        DAC and                  
                      Premiums and                    Claims and          VOBA                    
                     Universal Life       Net      Interest Credited   Charged to                 
                   and Investment-Type Investment   to Policyholder       Other          Other    
Segment            Product Policy Fees   Income     Account Balances    Expenses      Expenses (1)
------------------ ------------------- ----------- ----------------- --------------- -------------
                                                                                                  
2017                                                                                              
U.S...............   $          20,500 $     6,012    $       22,019    $         56    $    2,680
MetLife Holdings..               4,643       4,758             6,004             185         2,293
Corporate & Other.                   9       (257)                 4              --         1,018
                   ------------------- ----------- ----------------- --------------- -------------
  Total...........   $          25,152 $    10,513    $       28,027    $        241    $    5,991
                   =================== =========== ================= =============== =============
2016                                                                                              
U.S...............   $          18,909 $     5,811    $       20,263    $         56    $    2,721
MetLife Holdings..               5,739       5,355             7,128             342         2,797
Corporate & Other.                 287        (83)               155              43         1,044
                   ------------------- ----------- ----------------- --------------- -------------
  Total...........   $          24,935 $    11,083    $       27,546    $        441    $    6,562
                   =================== =========== ================= =============== =============
2015                                                                                              
U.S...............   $          18,281 $     5,848    $       19,613    $         59    $    2,658
MetLife Holdings..               5,910       5,601             6,951             631         2,678
Corporate & Other.                 327          90               166              52         1,444
                   ------------------- ----------- ----------------- --------------- -------------
  Total...........   $          24,518 $    11,539    $       26,730    $        742    $    6,780
                   =================== =========== ================= =============== =============

--------                                                                        
(1) Includes other expenses and policyholder dividends, excluding amortization  
of DAC and VOBA charged to other expenses.                              

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule IV 

Consolidated Reinsurance  
December 31, 2017, 2016 and 2015  

(Dollars in millions) 

                                                        [Enlarge/Download Table]

                                                                               % Amount 
                                                                              Assumed   
                             Gross Amount    Ceded     Assumed   Net Amount    to Net   
                             ------------- ---------- ---------- ----------- ---------- 
                                                                                        
2017                                                                                    
Life insurance in-force..... $   3,377,964 $  266,895 $  490,033 $ 3,601,102       13.6%
                             ============= ========== ========== ===========            
Insurance premium                                                                       
Life insurance (1).......... $      16,022 $    1,132 $    1,097 $    15,987        6.9%
Accident & health insurance.         7,040        121         19       6,938        0.3%
                             ------------- ---------- ---------- -----------            
 Total insurance premium.... $      23,062 $    1,253 $    1,116 $    22,925        4.9%
                             ============= ========== ========== ===========            
2016                                                                                    
Life insurance in-force..... $   3,013,618 $  277,693 $  777,037 $ 3,512,962       22.1%
                             ============= ========== ========== ===========            
Insurance premium                                                                       
Life insurance (1).......... $      14,931 $    1,101 $    1,668 $    15,498       10.8%
Accident & health insurance.         7,000        124         19       6,895        0.3%
                             ------------- ---------- ---------- -----------            
 Total insurance premium.... $      21,931 $    1,225 $    1,687 $    22,393        7.5%
                             ============= ========== ========== ===========            
2015                                                                                    
Life insurance in-force..... $   3,035,399 $  361,355 $  811,435 $ 3,485,479       23.3%
                             ============= ========== ========== ===========            
Insurance premium                                                                       
Life insurance (1).......... $      14,449 $    1,143 $    1,638 $    14,944       11.0%
Accident & health insurance.         7,048         99         41       6,990        0.6%
                             ------------- ---------- ---------- -----------            
 Total insurance premium.... $      21,497 $    1,242 $    1,679 $    21,934        7.7%
                             ============= ========== ========== ===========            

--------                                                                        
(1) Includes annuities with life contingencies.                                 

  For the year ended December 31, 2017, reinsurance ceded and assumed included
affiliated transactions for life insurance in-force of $16.2 billion and        
$1.3 billion, respectively, and life insurance premiums of $132 million and     
$122 million, respectively. For the year ended December 31, 2016, reinsurance   
ceded and assumed included affiliated transactions for life insurance in-force  
of $17.6 billion and $258.3 billion, respectively, and life insurance premiums  
of $45 million and $727 million, respectively. For the year ended December 31,  
2015, reinsurance ceded and assumed included affiliated transactions for life   
insurance in-force of $23.1 billion and $276.7 billion, respectively, and life  
insurance premiums of $40 million and $701 million, respectively.               

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PART C

Other Information 
-----------------                                                               

ITEM 24. FINANCIAL STATEMENTS AND EXHIBITS                                      

(a) Financial Statements                                                        

The financial statements and financial highlights of each of the Divisions of   
the Separate Account are included in Part B hereof and include:                 

(1)   Report of Independent Registered Public Accounting Firm             

(2)   Statements of Assets and Liabilities as of December 31, 2017        

(3)   Statements of Operations for the year ended December 31, 2017       

(4)   Statements of Changes in Net Assets for the years ended December 31,
2017 and 2016                                                 

(5)   Notes to the Financial Statements                                   

The consolidated financial statements and financial statement schedules of      
Metropolitan Life Insurance Company and subsidiaries are included in Part B     
hereof and include:                                                             

(1)   Report of Independent Registered Public Accounting Firm             

(2)   Consolidated Balance Sheets as of December 31, 2017 and 2016        

(3)   Consolidated Statements of Operations for the years ended December  
31, 2017, 2016 and 2015                                       

(4)   Consolidated Statements of Comprehensive Income (Loss) for the years
ended December 31, 2017, 2016 and 2015                        

(5)   Consolidated Statements of Equity for the years ended December 31,  
2017, 2016 and 2015                                           

(6)   Consolidated Statements of Cash Flows for the years ended December  
31, 2017, 2016 and 2015                                       

(7)   Notes to the Consolidated Financial Statements                      

(8)   Financial Statement Schedules                                       

(b) Exhibits                                                                    

EXHIBIT                                                                         
NUMBER                DESCRIPTION                                               
------                -----------                                               

1.                    Resolution of the Board of Directors of Metropolitan Life 
                     Insurance Company establishing Separate Account E. (Filed
               with Post-Effective Amendment No.19 to Registration
                Statement No.2-90380/811-04001 for Metropolitan Life
                   Separate Account E on Form N-4 on February 27, 1996. As
incorporated herein by reference.)  

2.                    Not Applicable                                            

3(a).                 Form of Amended and Restated Principal Underwriting       
                   Agreement among Metropolitan Life Insurance Company and
                   MetLife Investors Distribution Company. Filed herewith.

3(b).                 Form of Retail Sales Agreement (MLIDC Retail Sales        
              Agreement 7-1-05)(LTC). (Filed with Post-Effective
         Amendment No.13 to Registration Statement No.
              333-83716/811-04001 for Metropolitan Life Separate
                    Account E on Form N-4 on April 25, 2006. As incorporated
herein by reference.)               

3(b)(i).              Form of Enterprise Selling Agreement 02-10 (MetLife       
                   Investors Distribution Company Sales Agreement). (Filed
               with Post-Effective Amendment No.14 to Registration
                   Statement File No. 333-83716/811-04001 for Metropolitan
                     Life Separate Account E on Form N-4 on April 13, 2010. As
incorporated herein by reference.)  

3(b)(ii).             Form of Enterprise Selling Agreement 09-12 (MetLife       
                   Investors Distribution Company Sales Agreement). (Filed
               with Post-Effective Amendment No.17 to Registration
                   Statement File No. 333-83716/811-04001 for Metropolitan
                     Life Separate Account E on Form N-4 on April 11, 2013. As
incorporated herein by reference.)  

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

3(c).                 Participation Agreement -- American Funds Insurance       
               Series. (Filed with Pre-Effective Amendment No.1 to
              Registration Statement No. 333-52366/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                 August 3, 2001. As incorporated herein by reference.)

3(c)(i).              Participation Agreement -- American Funds Insurance       
                 Series - Summary (Filed with Post-Effective Amendment
                   No.15 to Registration Statement File No. 333-83716/811-
                  04001 for Metropolitan Life Separate Account E on Form
            N-4 on April 12, 2011. As incorporated herein by
reference.)                         

3(c)(ii)              Amendment No. 4 to Participation Agreement between        
               Metropolitan Life Insurance Company, American Funds
                Insurance Series and Capital Research and Management
        Company dated November 19, 2014. (Filed with
                     Post-Effective Amendment No. 18 to Registration Statement
               File No. 333-176654/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 13, 2016. As
incorporated herein by reference.)  

3(c)(iii)             Amendment No. 3 dated May 1, 2016 to the Participation    
                Agreement dated May 16, 1998 among Metropolitan Life
                  Insurance Company, American Funds Insurance Series and
                Capital Research and Management Company. (Filed with
                     Post-Effective Amendment No. 19 to Registration Statement
               File No. 333-176654/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 12, 2017. As
incorporated herein by reference.)  

3(d)                  [Reserved]                                                

3(e).                 Participation Agreement -- Met Investors Series Trust.    
  (Filed with Registration Statement No.
              333-83716/811-04001 for Metropolitan Life Separate
                   Account E on Form N-4 on March 5, 2002. As incorporated
herein by reference.)               

3(e)(i).              First Amendment to the Participation Agreement (Filed     
               with Post-Effective Amendment No. 2 to Registration
                    Statement File No. 333-153109/811-04001 for Metropolitan
                    Life Separate Account E on Form N-4 on June 29, 2009. As
incorporated herein by reference.)  

3(e)(ii).             Second Amendment to the Participation Agreement (Filed    
               with Post-Effective Amendment No. 2 to Registration
                    Statement File No. 333-153109/811-04001 for Metropolitan
                    Life Separate Account E on Form N-4 on June 29, 2009. As
incorporated herein by reference.)  

3(e)(iii).            Amendment to each of the Participation Agreements         
                   currently in effect between Met Investors Series Trust,
                 MetLife Advisers, LLC, MetLife Investors Distribution
                    Company and Metropolitan Life Insurance Company, MetLife
                   Insurance Company of Connecticut, MetLife Investors USA
                   Insurance Company, MetLife Investors Insurance Company,
                  First MetLife Investors Insurance Company, New England
            Life Insurance Company and General American Life
                   Insurance Company effective April 30, 2010. (Filed with
                    Post-Effective Amendment No.16 to Registration Statement
              File No. 333-83716/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 12, 2012. As
incorporated herein by reference.)  

3(f).                 Participation Agreement -- Metropolitan Series Fund.      
         (Filed with Post-Effective Amendment No. 9 to
          Registration Statement 333-83716/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                     September 10, 2007. As incorporated herein by reference.)

3(f)(i).              Amendment to each of the Participation Agreements         
                 currently in effect between Metropolitan Series Fund,
                 MetLife Advisers, LLC, MetLife Investors Distribution
            Company and Metropolitan Life Insurance Company,
              Metropolitan Tower Life Insurance Company, MetLife
                   Insurance Company of Connecticut, MetLife Investors USA
                   Insurance Company, MetLife Investors Insurance Company,
                  First MetLife Investors Insurance Company, New England
            Life Insurance Company and General American Life
                   Insurance Company effective April 30, 2010. (Filed with
                    Post-Effective Amendment No.16 to Registration Statement
              File No. 333-83716/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 12, 2012. As
incorporated herein by reference.)  

(3)(g).               Form of Participation Agreement with Janus Aspen Series   
         (Filed with Post-Effective Amendment No.16 to
              Registration Statement No. 333-57320/811-06025 for

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

                Metropolitan Life Separate Account UL on Form N-6 on
                 April 30, 2004. As incorporated herein by reference.)

(3)(g)(i).            Amendment No. 3 to Fund Participation Agreements - Janus  
                Aspen Series (Institutional & Service Shares), dated
                   November 25, 2013. (Filed with Post-Effective Amendment
    No. 2 to Registration Statement File No.
               333-190296/811-04001 for Metropolitan Life Separate
                    Account E on Form N-4 on April 17, 2014. As incorporated
herein by reference).               

(3)(h).               Form of Participation Agreement with Franklin Templeton   
               Insurance Products Trust (Filed with Post-Effective
               Amendment No. 16 to Registration Statement No. 033-
                     57320/811-06025 for Metropolitan Life Separate Account UL
                    on Form N-6 on April 30, 2004. As incorporated herein by
reference.)                         

(3)(h)(i).            Amendment to the Participation Agreement with Franklin    
          Templeton Insurance Products Trust (Filed with
                     Post-Effective Amendment No. 24 to Registration Statement
                  No. 033-57320/811-06025 for Metropolitan Life Separate
                     Account UL on Form N-6 on April 14, 2011. As incorporated
herein by reference.)               

(3)(h)(ii).           Amendment No. 5 to Amended and Restated Participation     
             Agreement - Franklin Templeton Variable Insurance
                  Products Trust, Franklin/Templeton Distributors, Inc.,
                  Metropolitan Life Insurance Company, MetLife Investors
                     Distribution Company, dated December 2, 2013. (Filed with
                    Post-Effective Amendment No. 2 to Registration Statement
               File No. 333-190296/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 17, 2014. As
incorporated herein by reference).  

(3)(h)(iii)           Amendment to Participation Agreement between Franklin     
        Templeton Variable Insurance Products Trust,
                   Franklin/Templeton Distributors, Inc. Metropolitan Life
                Insurance Company and MetLife Investors Distribution
           Company (effective August 1, 2014). (Filed with
                    Post-Effective Amendment No. 9 to Registration Statement
                   No. 333-147508/811-06025 for Metropolitan Life Separate
                     Account UL on Form N-6 on April 14, 2016. As incorporated
herein by reference.)               

(3)(i).               Participation Agreement with Fidelity Variable Insurance  
                  Products (Filed with Post-Effective Amendment No. 8 to
            Registration Statement No. 2-90380/811-04001 for
                     Metropolitan Life Separate Account E on Form N-4 on April
           30, 1997. As incorporated herein by reference.)

(3)(i)(i).            Amendment to the Participation Agreement with Fidelity    
                  Variable Insurance Products (Filed with Post-Effective
                   Amendment No. 24 to the Registration Statement No. 033-
                     57320/811-06025 for Metropolitan Life Separate Account UL
                    on Form N-6 on April 14, 2011. As incorporated herein by
reference.)                         

(3)(i)(ii)            Amendment dated June 1, 2015 to the Participation         
                 Agreement dated November 25, 2002 between Metropoitan
            Life Insurance Company and Fidelity Distributors
                   Corporation. (Filed with Post-Effective Amendment No. 3
                   to Registration Statement File No. 333-198314/811-04001
                   for Metropolitan Life Separate Account E on Form N-4 on
                 April 12, 2017. As incorporated herein by reference.)

(3)(i)(iii).          Amended and Restated Participation Agreement dated        
              January 24, 2018 among Fidelity Variable Insurance
           Products, Fidelity Distributors Corporation and
                  Metropolitan Life Insurance Company. (Filed herewith.)

(3)(j).               Form of Participation Agreement with Delaware VIP Trust   
              (Filed with Post-Effective Amendment No. 16 to the
              Registration Statement No. 033-57320/811-06025 for
                Metropolitan Life Separate Account UL on Form N-6 on
                 April 30, 2004. As incorporated herein by reference.)

(3)(j)(i).            Amendment dated as of November 11, 2013 to the            
                  Participation Agreement dated as of May 14, 2004 among
                     Delaware VIP Trust, Delaware Management Company, Delaware
              Distributors, L.P. and Metropolitan Life Insurance
                  Company. (Filed with Post-Effective Amendment No. 2 to
                    Registration Statement File No. 333-190296/811-04001 for
                     Metropolitan Life Separate Account E on Form N-4 on April
           17, 2014. As incorporated herein by reference).

(3)(k).               Participation Agreement among Legg Mason Partners         
               Variable Equity Trust, Legg Mason Partners Variable
                  Income Trust, Legg Mason Investors Services, LLC, Legg
                  Mason Partners Fund Advisor, LLC and Metropolitan Life
                    Insurance Company made and entered into January 1, 2009;
                   and Amendment No. 1 to the Participation Agreement made
        and entered into January 1, 2009 (Filed with
                   Pre-Effective Amendment No. 1 to Registration Statement
No. 333-16109/811-08628 for         

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

                     Metropolitan Life Variable Annuity Separate Account II on
                   November 2, 2009. As incorporated herein by reference.)

(3)(k)(i)             Amendment to the Participation Agreement with Legg Mason. 
              (Filed with Post-Effective Amendment No. 24 to the
                  Registration Statement No. 033-57320/811-06025 on Form
            N-6 on April 14, 2011. As incorporated herein by
reference.)                         

(3)(k)(ii)            Amendment No. 3 to the Participation Agreement, dated     
                  December 1, 2013. (Filed with Post-Effective Amendment
         No. 2 to Registration Statement File No. 333-
                     190296/811-04001 for Metropolitan Life Separate Account E
                    on Form N-4 on April 17, 2014. As incorporated herein by
reference).                         

(3)(l)                Participation Agreement dated March 6, 2017 by and among  
                  Brighthouse Funds Trust I, Metropolitan Life Insurance
             Company, Brighthouse Investment Advisers, LLC and
                   Brighthouse Securities, LLC. (Filed with Post-Effective
     Amendment No. 19 to Registration File No.
              333-176654/811-04001 for Metropoitan Life Separate
                    Account E on Form N-4 on April 12, 2017. As incorporated
herein by reference.)               

(3)(m)                Participation Agreement dated March 6, 2017 by and among  
                   Brighthouse Funds Trust II, Metropolitan Life Insurance
             Company, Brighthouse Investment Advisers, LLC and
                   Brighthouse Securities, LLC. (Filed with Post-Effective
               Amendment No. 19 to Registration Statement File No.
               333-176654/811-04001 for Metropolitan Life Separate
                    Account E on Form N-4 on April 12, 2017. As incorporated
herein by reference.)               

4.                    Contracts, Certificates and Endorsements (Filed with the  
                   initial Registration Statement No. 333-190296/811-04001
on August 1, 2013.)                 

4(a).                 Form of Gold Track Select Contract and Contract Schedule  
             (New York Version) (M-14669 (4223)). For use with
           non-ERISA 403(b) plans. (Filed with the initial
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

4(a)(i).              Form of Gold Track Select Certificate and Certificate     
                 Schedule (New York Version) (M-14672 (4223)). For use
               with non-ERISA 403(b) participants. (Filed with the
                   initial Registration Statement No. 333-190296/811-04001
on August 1, 2013.)                 

4(a)(ii).             Fixed Account Rider (New York Version) (M-14750A (4223)). 
                     For use with non-ERISA 403(b) contracts and certificates.
            (Filed with Pre-Effective Amendment No. 1 to the
                   Registration Statement No. 333-190296/811-04001 on Form
              N-4 on November 1, 2013. As incorporated herein by
              reference. Replaces version filed with the initial
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

4(b).                 Form of Gold Track Select Contract and Contract Schedule  
                 (New York Version) (M-14669 (Non-4223)). For use with
                  ERISA 403(b), allocated 401 and 457 plans. (Filed with
  the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(b)(i).              Form of Gold Track Select Certificate and Certificate     
                     Schedule (New York Version) (M-14672 (Non-4223)). For use
                  with ERISA 403(b), allocated 401 and 457 participants.
              (Filed with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(b)(ii).             Fixed Account Rider (New York Version) (M-14708           
                     (Non-4223)). For use with ERISA 403(b), allocated 401 and
                   457 contracts and certificates, except those subject to
                   New York Deferred Compensation Board Rules. (Filed with
  the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(b)(iii).            Fixed Account Rider (New York Version) (M-22434           
                    (Non-4223)). For use with 457 contracts and certificates
                  in 457 plans subject to New York Deferred Compensation
                     Board Rules. (Filed with Pre-Effective Amendment No. 1 to
                   the Registration Statement No. 333-190296/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                  November 1, 2013. As incorporated herein by reference.
                Replaces version filed with the initial Registration
                  Statement No. 333-190296/811-04001 on August 1, 2013.)

4(c).                 Form of Gold Track Select Contract and Contract Schedule  
                  (New York Version) (M-14634). For use with unallocated
                     401 plans. (Filed with the initial Registration Statement
        No. 333-190296/811-04001 on August 1, 2013.)

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

4(c)(i).              Fixed Account Rider (New York Version) (M-22155). For use 
                   with unallocated 401 contracts. (Filed with the initial
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

4(d).                 401(a)/403(a) Plan Endorsement (ML-401-3-NY (5/11)).      
              (Filed with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(e).                 457(b) Plan Endorsement (Governmental and Tax-Exempt)     
                  (M-22493 (7/13)). (Filed with the initial Registration
                  Statement No. 333-190296/811-04001 on August 1, 2013.)

4(f).                 Roth 401 Endorsement (ML-G-Roth-401 (11/05)). (Filed with 
  the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(g).                 Tax-Sheltered Annuity Endorsement (ML-398-3 (12/08)).     
              (Filed with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(h).                 Roth 403(b) Endorsement (ML-G-Roth-398 (11/05)). (Filed   
       with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(i).                 Automatic Rollover Endorsement. (M-22472 (7/13)). (Filed  
       with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(j).                 Cash Loan Rider (M-22172-A). (Filed with the initial      
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

4(k).                 Death Benefit Endorsement. (M-22120). For use with        
             unallocated 401 contract. (Filed with the initial
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

5(a).                 Master Data Sheet for Gold Track Select (M-21158). (Filed 
                  with Pre-Effective Amendment No. 1 to the Registration
                    Statement No. 333-190296/811-04001 for Metropolitan Life
                  Separate Account E on Form N-4 on November 1, 2013. As
incorporated herein by reference.)  

5(b).                 Enrollment Form for Gold Track Select (M-21018 GTS-PRC).  
            (Filed with Pre-Effective Amendment No. 1 to the
               Registration Statement No. 333-190296/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                   November 1, 2013. As incorporated herein by reference.)

5(c).                 Enrollment Form for Gold Track Select (M-21018 GTS-MLR).  
            (Filed with Pre-Effective Amendment No. 1 to the
               Registration Statement No. 333-190296/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                   November 1, 2013. As incorporated herein by reference.)

(6)(a).               Amended and Restated Charter of Metropolitan Life. (Filed 
                  with Registration Statement No.333-83716/811-04001 for
                     Metropolitan Life Separate Account E on Form N-4 on March
          5, 2002. As incorporated herein by reference.)

6(b).                 Amended and Restated By-Laws of Metropolitan Life. (Filed 
                with Post-Effective Amendment No. 19 to Registration
                    Statement File No. 333-176654/811-04001 for Metropolitan
                     Life Separate Account E on Form N-4 on April 12, 2017. As
incorporated herein by reference.)  

7.                    Not Applicable                                            

8.                    Not Applicable                                            

9.                    Opinion of Counsel. (Filed with Pre-Effective Amendment   
   No. 1 to the Registration Statement No.
               333-190296/811-04001 for Metropolitan Life Separate
         Account E on Form N-4 on November 1, 2013. As
incorporated herein by reference.)  

10.                   Consent of Deloitte & Touche LLP, Independent Registered  
     Public Accounting Firm. (Filed herewith.)

11.                   Not Applicable                                            

12.                   Not Applicable                                            

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

13.                   Powers of Attorney for Steven A. Kandarian, Carlos M.     
                   Gutierrez, Cheryl W. Grise, Gerald L. Hassell, David L.
                     Herzog, R. Glenn Hubbard, Alfred F. Kelly, Jr., Edward J.
                    Kelly III, William E. Kennard, James M. Kilts, Catherine
                      R. Kinney, Denise M. Morrison, John C.R. Hele, and William
                    C. O'Donnell (Filed with Post-Effective Amendment No. 20
             to Registration File No. 333-176654/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                 April 10, 2018. As incorporated herein by reference.)

ITEM 25. DIRECTORS AND OFFICERS OF THE DEPOSITOR                                

                                                        [Enlarge/Download Table]

NAME AND PRINCIPAL                              POSITIONS AND OFFICES                                       
BUSINESS ADDRESS                                WITH DEPOSITOR                                              
----------------------------------------------  ------------------------------------------------------------
                                                                                                            
Steven A. Kandarian                             Chairman, President, Chief Executive Officer and a Director 
MetLife, Inc. and Metropolitan Life Insurance                                                               
Company                                                                                                     
200 Park Avenue                                                                                             
New York, NY 10166                                                                                          

                                                                [Download Table]
                                                         
Cheryl W. Grise                                  Director
MetLife, Inc. and Metropolitan Life Insurance            
Company                                                  
200 Park Avenue                                          
New York, New York 10166                                 

                                                                [Download Table]
                                            
Carlos M. Gutierrez                 Director
Co-Chair                                    
Albright Stonebridge Group (ASG)            
601 Thirteenth Street, N.W.                 
Suite 500                                   
Washington, D.C. 20005                      

                                                                [Download Table]
                                                   
Gerald L. Hassell                          Director
Former Chairman of the Board                       
The Bank of New York Mellon Corporation            
200 Park Avenue                                    
New York, NY 10166                                 

                                                                [Download Table]
                               
David L. Herzog        Director
AIG                            
200 Park Avenue                
New York, NY 10166             

                                                                [Download Table]
                                                   
R. Glenn Hubbard                           Director
Dean and Russell L. Carson Professor of            
Finance and Economics                              
Graduate School of Business                        
Columbia University                                
Uris Hall-Rm 101                                   
3022 Broadway                                      
New York, NY 10027-6902                            

                                                                [Download Table]
                                                         
Alfred F. Kelly, Jr.                             Director
MetLife, Inc. and Metropolitan Life Insurance            
Company                                                  
200 Park Avenue                                          
New York, New York 10166                                 

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                                                                [Download Table]
                                                         
Edward J. Kelly, III.                            Director
MetLife, Inc. and Metropolitan Life Insurance            
Company                                                  
200 Park Avenue                                          
New York, New York 10166                                 

                                                                [Download Table]
                                                         
William E. Kennard                               Director
MetLife, Inc. and Metropolitan Life Insurance            
Company                                                  
200 Park Avenue,                                         
New York, New York 10166                                 

                                                                [Download Table]
                                   
James M. Kilts             Director
Founding Partner                   
Centerview Capital                 
3 Greenwich Office Park            
2nd floor                          
Greenwich, CT 06831                

                                                                [Download Table]
                                                         
Catherine R. Kinney                              Director
MetLife, Inc. and Metropolitan Life Insurance            
Company                                                  
200 Park Avenue                                          
New York, New York 10166                                 

                                                                [Download Table]
                                                 
Denise M. Morrison                       Director
President and Chief Executive Officer            
Campbell Soup Company                            
One Campbell Place                               
Camden, NJ 08103                                 

Set forth below is a list of certain principal officers of MetLife. The         
principal business address of each officer of MetLife is 200 Park Avenue, New   
York, New York 10166                                                            

                                                        [Enlarge/Download Table]

NAME                    POSITION WITH METLIFE                                                           
----------------------  --------------------------------------------------------------------------------
                                                                                                        
Steven A. Kandarian     Chairman, President and Chief Executive Officer                                 
Michel A. Khalaf        President - U.S. Business and EMEA                                              
Karl R. Erhardt         Executive Vice President and Chief Auditor                                      
Steven J. Goulart       Executive Vice President, Interim President - Asia and Chief Investment Officer 
John C.R. Hele          Executive Vice President and Chief Financial Officer                            
Esther Lee              Executive Vice President, Global Chief Marketing Officer                        
Martin J. Lippert       Executive Vice President, Global Technology and Operations                      
John McCallion          Executive Vice President and Treasurer                                          
William C. O'Donnell    Executive Vice President and Chief Accounting Officer                           
Susan Podlogar          Executive Vice President and Chief Human Resources Officer                      
Douglas A. Rayvid       Executive Vice President and Chief Compliance Officer                           
Rebecca Tadikonda       Executive Vice President and Chief Strategy Officer                             
Ramy Tadros             Executive Vice President and Chief Risk Officer                                 
Michael Zarcone         Executive Vice President                                                        
Stephen W. Gauster      Senior Vice President and Interim General Counsel                               

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ITEM 26. PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR    
REGISTRANT                                                                      

The Registrant is a separate account of Metropolitan Life Insurance Company     
under New York insurance law. Under said law the assets allocated to the        
separate account are the property of Metropolitan Life Insurance Company, which 
is a wholly-owned subsidiary of MetLife, Inc. The following outline indicates   
those persons who are controlled by or under common control with MetLife, Inc.  
No person is controlled by the Registrant.                                      

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ORGANIZATIONAL STRUCTURE OF METLIFE, INC. AND SUBSIDIARIES
 AS OF December 31, 2017

The following is a list of subsidiaries of MetLife, Inc. updated as of          
December 31, 2017. Those entities which are listed at the left margin (labeled  
with capital letters) are direct subsidiaries of MetLife, Inc. Unless otherwise 
indicated, each entity which is indented under another entity is a subsidiary of
that other entity and, therefore, an indirect subsidiary of MetLife, Inc.       
Certain inactive subsidiaries have been omitted from the MetLife, Inc.          
organizational listing. The voting securities (excluding directors' qualifying  
shares, if any) of the subsidiaries listed are 100% owned by their respective   
parent corporations, unless otherwise indicated. The jurisdiction of domicile   
of each subsidiary listed is set forth in the parenthetical following such      
subsidiary.                                                                     

A.    MetLife Group, Inc. (NY)                                                  

B.    MetLife Home Loans, LLC (DE)                                              

C.    Metropolitan Tower Life Insurance Company (DE)                            

1.    EntreCap Real Estate II LLC (DE)                              

a)    PREFCO Dix-Huit LLC (CT)                          

b)    PREFCO X Holdings LLC (CT)                        

   c)    PREFCO Ten Limited Partnership (CT) - a 99.9% limited
                  partnership interest of PREFCO Ten Limited Partnership is held
   by EntreCap Real Estate II LLC and 0.1% general
 partnership is held by PREFCO X Holdings LLC.

d)    PREFCO Vingt LLC (CT)                             

    e)    PREFCO Twenty Limited Partnership (CT) - a 99% limited
                partnership interest of PREFCO Twenty Limited Partnership is
      held by EntreCap Real Estate II LLC and 1% general
partnership is held by PREFCO Vingt LLC.    

2.     Plaza Drive Properties, LLC (DE)                               

3.     MTL Leasing, LLC (DE)                                          

a)    PREFCO IX Realty LLC (CT)                         

b)    PREFCO XIV Holdings LLC (CT)                      

         c)    PREFCO Fourteen Limited Partnership (CT) -  a 99.9% limited
               partnership interest of PREFCO Fourteen Limited Partnership
               is held by MTL Leasing, LLC and 0.1% general partnership is
held by PREFCO XIV Holdings LLC.            

d)    1320 Venture LLC (DE)                             

                i)  1320 Owner LP (DE) - a 99.9% limited partnership of 1320
                 Owner LP is held by 1320 Venture LLC and 0.1% general
partnership is held by 1320 GP LLC. 

e)    1320 GP LLC (DE)                                  

4.     MetLife Assignment Company, Inc. (DE)                          

D.    MetLife Chile Inversiones Limitada (Chile) - 72.35109659% is owned by     
    MetLife, Inc., 24.8823628% by American Life Insurance Company ("ALICO"),
2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 
0.00000004% is owned by Natiloportem Holdings, LLC.                 

 1.    MetLife Chile Seguros de Vida S.A. (Chile) - 99.996% of MetLife
       Chile Seguros de Vida S.A. is held by MetLife Chile Inversiones
   Limitada and 0.003% by International Technical and Advisory
Services Limited ("ITAS") and the rest by third parties.

      a)    MetLife Chile Administradora de Mutuos Hipotecarios S.A.
             (Chile) - 99.9% of MetLife Chile Administradora de Mutuos
               Hipotecarios S.A.  is held by MetLife Chile Seguros de Vida
                S.A. and 0.1% is held by MetLife Chile Inversiones Limitada.

2.    Inversiones MetLife Holdco Tres Limitada (Chile) - 97.13% of  
          Inversiones MetLife Holdco Tres Limitada is owned by MetLife Chile
      Inversiones Limitada and 2.87% is owned by Inversiones MetLife
Holdco Dos Limitada.                                    

        a)    AFP Provida S.A. (Chile) - 42.3815% of AFP Provida S.A. is
                  owned by Inversiones MetLife Holdco Dos Limitada., 42.3815% is
                  owned by Inversiones MetLife Holdco Tres Limitada, 10.9224% is
                 owned by MetLife Chile Inversiones Limitada and the remainder
is owned by the public.                     

                i)    Provida Internacional S.A. (Chile) - 99.99% of Provida
                  Internacional S.A. is owned by AFP Provida S.A and
                     0.01% is owned by MetLife Chile Inversiones Limitada.

                        1)    AFP Genesis Administradora de Fondos y Fidecomisos
                 S.A. (Ecuador) - 99.9% of AFP Genesis
                          Administradora de Fondos y Fidecomisos S.A. is
                        owned by Provida Internacional S.A. and 0.1%
by AFP Provida S.A. 

        MetLife Chile Seguros Generales S.A. (Chile) - 99.98% of MetLife
           Chile Seguros Generales, S.A. is owned by MetLife Chile Inversiones
     Limitada and 0.02% is owned by Inversiones MetLife Holdco Dos
Limitada.                                               

E.    Enterprise General Insurance Agency, Inc. (DE)                            

F.    Metropolitan Property and Casualty Insurance Company (RI)                 

1.    Metropolitan General Insurance Company (RI)                   

2.    Metropolitan Casualty Insurance Company (RI)                  

  3.    Metropolitan Direct Property and Casualty Insurance Company (RI)

4.    MetLife Auto & Home Insurance Agency, Inc. (RI)               

 5.    Metropolitan Group Property and Casualty Insurance Company (RI)

6.    Metropolitan Lloyds, Inc. (TX)                                

  a)    Metropolitan Lloyds Insurance Company of Texas (TX)-
                 Metropolitan Lloyds Insurance Company of Texas, an affiliated
           association, provides automobile, homeowner and related
           insurance for the Texas market. It is an association of
                individuals designated as underwriters. Metropolitan Lloyds,
            Inc., a subsidiary of Metropolitan Property and Casualty
                 Insurance Company, serves as the attorney-in-fact and manages
the association.                            

7.    Economy Fire & Casualty Company (IL)                          

a)    Economy Preferred Insurance Company (IL)          

b)    Economy Premier Assurance Company (IL)            

G.    Newbury Insurance Company, Limited (DE)                                   

H.    MetLife Investors Group, LLC (DE)                                         

1.    MetLife Investors Distribution Company (MO)                   

2.    MetLife Investments Securities, LLC (DE)                      

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I.    Metropolitan Life Insurance Company ("MLIC") (NY)                         

1.    334 Madison Euro Investments, Inc. (DE)                       

2.    St. James Fleet Investments Two Limited (Cayman Islands)      

    a)    Park Twenty Three Investments Company (United Kingdom)

               i)    Convent Station Euro Investments Four Company (United
Kingdom)                        

                    1)     OMI MLIC Investments Limited (Cayman Islands)

3.    Sandpiper Cove Associates II, LLC (DE)                        

4.    MLIC Asset Holdings II LLC (DE)                               

a)    El Conquistador MAH II LLC (DE)                   

5.    CC Holdco Manager, LLC (DE)                                   

6.    Alternative Fuels I, LLC (DE)                                 

7.    Transmountain Land & Livestock Company (MT)                   

8.    HPZ Assets LLC (DE)                                           

9.    Missouri Reinsurance, Inc. (Cayman Islands)                   

10.   Metropolitan Tower Realty Company, Inc. (DE)                  

a)    Midtown Heights, LLC (DE)                         

11.   ML New River Village III, LLC (DE)                            

12.   MetLife RC SF Member, LLC (DE)                                

13.   23rd Street Investments, Inc. (DE)                            

      a)    MetLife Capital Credit L.P. (DE)- 1% General Partnership
             interest is held by 23rd Street Investments, Inc. and 99%
             Limited Partnership interest is held by Metropolitan Life
Insurance Company.                          

   b)    MetLife Capital, Limited Partnership (DE)- 1% General
                 Partnership interest is held by 23rd Street Investments, Inc.
                and 99% Limited Partnership interest is held by Metropolitan
Life Insurance Company.                     

          i)    Long Island Solar Farm, LLC ("LISF")(DE) - 9.61%
                     membership interest is held by Brighthouse Renewables
                      Holding, LLC and 90.39% membership interest is held by
                 LISF Solar Trust in which MetLife Capital Limited
         Partnership has 100% beneficial interest.

ii)   Met Canada Solar ULC (Canada)         

14.   Hyatt Legal Plans, Inc. (DE)                                  

a)    Hyatt Legal Plans of Florida, Inc. (FL)           

15.   MetLife Holdings, Inc. (DE)                                   

a)    MetLife Credit Corp. (DE)                         

b)    MetLife Funding, Inc. (DE)                        

16.   MetLife Investments Limited (United Kingdom)- 23rd Street     
         Investments, Inc. holds one share of MetLife Investments Limited.

      17.   MetLife Latin America Asesorias e Inversiones Limitada (Chile)- 23rd
     Street Investments, Inc. holds 0.01% of MetLife Latin America
Asesorias e Inversiones Limitada.                       

18.   Corporate Real Estate Holdings, LLC (DE)                      

19.   MetLife Tower Resources Group, Inc. (DE)                      

20.   ML Sentinel Square Member, LLC (DE)                           

21.   MetLife Securitization Depositor LLC (DE)                     

22.   WFP 1000 Holding Company GP, LLC (DE)                         

23.   White Oak Royalty Company (OK)                                

24.   500 Grant Street GP LLC (DE)                                  

   25.   500 Grant Street Associates Limited Partnership (CT) - 99% of 500
           Grant Street Associates Limited Partnership is held by Metropolitan
 Life Insurance Company and 1% by 500 Grant Street GP LLC.

     26.   MetLife Mall Ventures Limited Partnership (DE) - 99% LP interest of
            MetLife Mall Ventures Limited Partnership is owned by MLIC and 1% GP
    interest is owned by Metropolitan Tower Realty Company, Inc.

27.   MetLife Retirement Services LLC (NJ)                          

28.   Euro CL Investments, LLC (DE)                                 

29.   MEX DF Properties, LLC (DE)                                   

    a)   MPLife, S. de R.L. de C.V. (Mexico) - 99.99% of MPLife,
           S. de R.L. de C.V. is owned by MEX DF Properties, LLC and
0.01% is owned by Euro CL Investments LLC.    

   30.   MSV Irvine Property, LLC (DE) - 4% of MSV Irvine Property, LLC is
         owned by Metropolitan Tower Realty Company, Inc. and 96% is owned
by Metropolitan Life Insurance Company.                 

31.   MetLife Properties Ventures, LLC (DE)                         

32.   Housing Fund Manager, LLC (DE)                                

       a)   MTC Fund I, LLC (DE) - 0.01% of MTC Fund I, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

         b)   MTC Fund II, LLC (DE) - 0.01% of MTC Fund II, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

           c)   MTC Fund III, LLC (DE) - 0.01% of MTC Fund III, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

33.   MLIC Asset Holdings LLC (DE)                                  

34.   85 Broad Street Mezzanine LLC (DE)                            

35.   The Building at 575 Fifth Avenue Mezzanine LLC (DE)           

a)   The Building at 575 Fifth Retail Holding LLC (DE)  

      i)   The Building at 575 Fifth Retail Owner LLC (DE)

36.   ML Bridgeside Apartments LLC (DE)                             

37.   MetLife Chino Member, LLC (DE)                                

38.   MLIC CB Holdings LLC (DE)                                     

    39.   MetLife CC Member, LLC (DE) - 95.122% of MetLife CC Member, LLC is
           owned by Metropolitan Life Insurance Company and 4.878% is owned by
General American Life Insurance Company.                

40.   Oconee Hotel Company, LLC (DE)                                

41.   Oconee Land Company, LLC (DE)                                 

a)  Oconee Land Development Company, LLC (DE)           

b)  Oconee Golf Company, LLC (DE)                       

c)  Oconee Marina Company, LLC (DE)                     

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42.   1201 TAB Manager, LLC (DE)                                    

43.   MetLife 1201 TAB Member, LLC (DE) - 96.9% of MetLife 1201 TAB 
            Member, LLC is owned by Metropolitan Life Insurance Company and 3.1%
         is owned by Metropolitan Property and Casualty Insurance Company.

  44.   MetLife LHH Member, LLC (DE) - 99% of MetLife LHH Member, LLC is
        owned by Metropolitan Life Insurance Company, and 1% is owned by
General American Life Insurance Company.                

45.   1001 Properties, LLC (DE)                                     

46.   6104 Hollywood, LLC (DE)                                      

47.   Boulevard Residential, LLC (DE)                               

48.   ML-AI MetLife Member 3, LLC (DE)                              

     49.   Sandpiper Cove Associates, LLC (DE) - 90.59% membership interest of
          Sandpiper Cove Associates, LLC is owned by MLIC and 9.41% is owned
by Metropolitan Tower Realty Company.                   

50.   Marketplace Residences, LLC (DE)                              

51.   ML Swan Mezz, LLC (DE)                                        

a)    ML Swan GP, LLC (DE)                              

52.   ML Dolphin Mezz, LLC (DE)                                     

a)    ML Dolphin GP, LLC (DE)                           

53.   Haskell East Village, LLC (DE)                                

54.   MetLife Cabo Hilton Member, LLC (DE) - 83.1% of MetLife Cabo  
           Hilton Member, LLC is owned by MLIC, 16.9% by General American Life
Insurance Company                                       

55.   150 North Riverside PE Member LLC (DE) - MLIC owns an 81.45%  
           membership interest; General American Life Insurance Company owns a
         13.32% membership interest, and Metropolitan Tower Life Insurance
Company owns a 5.23% membership interest                

56.   ML Terraces, LLC (DE)                                         

57.   Chestnut Flats Wind, LLC (DE)                                 

58.   MetLife 425 MKT Member, LLC (DE)                              

59.   MetLife OFC Member, LLC (DE)                                  

60.   MetLife THR Investor, LLC (DE)                                

    61.   ML Southmore, LLC (DE) - 99% of ML Southmore, LLC is owned by MLIC
and 1% by General American Life Insurance Company.      

62.   ML - AI MetLife Member 1, LLC (DE) - 95.199% of the membership
         interest is owned by MLIC and 4.801% by Metropolitan Property and
Casualty Insurance Company.                             

63.   MetLife CB W/A, LLC (DE)                                      

     64.   MetLife Camino Ramon Member, LLC (DE) - 99% of MetLife Camino Ramon
    Member, LLC is owned by MLIC and 1% by General American Life
Insurance Company.                                      

65.   10700 Wilshire, LLC (DE)                                      

66.   Viridian Miracle Mile, LLC (DE)                               

67.   MetLife 555 12th Member, LLC (DE) - 94.6% is owned by MLIC and
5.4% by General American Life Insurance Company         

68.   MetLife OBS Member, LLC (DE)                                  

69.   MetLife 1007 Stewart, LLC (DE)                                

      70.   ML-AI MetLife Member 2, LLC (DE) - 98.97% of ML-AI MetLife Member 2,
      LLC's ownership interest is owned by MLIC and 1.03% by General
American Life Insurance Company.                        

71.   MetLife Treat Towers Member, LLC (DE)                         

72.   MetLife FM Hotel Member, LLC (DE)                             

a)   LHCW Holdings (U.S.) LLC (DE)                      

i)   LHC Holdings (U.S.) LLC (DE)             

1)    LHCW Hotel Holding LLC (DE)   

                 aa)    LHCW Hotel Holding (2002) LLC (DE)

                           bb)    LHCW Hotel Operating Company (2002) LLC (DE)

 73.   ML Mililani Member, LLC (DE)- is owned at 95% by MLIC and 5% by
General American Life Insurance Company.                

74.   MetLife SP Holdings, LLC (DE)                                 

a)   MetLife Private Equity Holdings, LLC (DE)          

75.   Buford Logistics Center, LLC (DE)                             

76.   MetLife Park Tower Member, LLC (DE)                           

a)   Park Tower REIT, Inc. (DE)                         

i)   Park Tower JV Member, LLC (DE)           

     77.   MCPP Owners, LLC (DE) - 84.503% is owned by MLIC, 0.603% by General
          American Life Insurance Company, 1.616% by Metropolitan Tower Life
Insurance Company, and 13.278% by MTL Leasing, LLC.     

78.   MetLife HCMJV 1 GP, LLC (DE)                                  

79.   MetLife ConSquare Member, LLC (DE)                            

80.   MetLife Ontario Street Member, LLC (DE)                       

81.   1925 WJC Owner, LLC (DE)                                      

82.   MetLife Member Solaire, LLC (DE)                              

83.   Sino-US United MetLife Insurance Company, Ltd. - 50% of       
           Sino-US United MetLife Insurance Company, Ltd. Is owned by MLIC and
50% is owned by a third party.                          

84.   MetLife Property Ventures Canada ULC (Canada)                 

85.   MetLife Canadian Property Ventures, LLC (NY)                  

J.    MetLife Capital Trust IV (DE)                                             

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K.    MetLife Investment Advisors, LLC (DE)                                     

1.   MetLife Alternatives GP, LLC (DE)                              

         a)   MetLife International PE Fund I, LP (Cayman Islands) - 92.593%
               of the Limited Partnership interests of this entity is owned by
               MetLife Insurance K.K., 4.115% is owned by MetLife Mexico S.A.,
                2.716% is owned by MetLife Limited (Hong Kong) and the remaining
              0.576% is owned by Metropolitan Life Insurance Company of Hong
Kong Limited.                                   

         b)   MetLife International PE Fund II, LP (Cayman Islands) - 94.54%
             of the limited partnership interests of MetLife International
           PE Fund II, LP is owned by MetLife Insurance K.K., 2.77% is
             owned by MetLife Limited (Hong Kong), 2.1% by MetLife Mexico,
              S.A. and 0.59% is owned by Metropolitan Life Insurance Company
of Hong Kong Limited.                           

          c)   MetLife International HF Partners, LP (Cayman Islands) - 88.22%
               of the Limited partnership interests of this entity is owned by
              MetLife Insurance K.K. and 9.47% is owned by MetLife Insurance
           Company of Korea Limited, 2.29% is owned by MetLife Limited
          (Hong Kong) and 0.02% is owned by MetLife Alternatives, GP

         d)   MetLife International PE  Fund III, LP - 88.93% of the limited
                partnership interests of MetLife International PE Fund III LP is
         owned by MetLife Insurance K.K, 7.91% is owned by MetLife
             Insurance Company of Korea Limited, 2.61% is owned by MetLife
            Limited (Hong Kong), and 0.55% is owned by Metropolitan Life
Insurance Company of Hong Kong Limited.         

         e)   MetLife International PE Fund IV, LP (Cayman Islands) - 94.70%
             of the limited partnership interests of MetLife International
          PE Fund IV, LP is owned by MetLife Insurance K.K, 3.79% is
             owned by MetLife Insurance Company of Korea Limited, 1.51% is
owned by Metlife Limited (Hong Kong).           

         f)   MetLife International PE Fund V, LP (Cayman Islands) - MetLife
                Insurance K.K. (81.699%); MetLife Limited (Hong Kong) (15.033%);
MetLife Insurance Company of Korea (3.268%).    

          g)   MetLife International PE Fund VI, LP (Cayman Islands) - MetLife
      Insurance K.K. (95.652%); MetLife Insurance Company of
Korea (4.348%)                                  

2.   MetLife Loan Asset Management LLC (DE)                         

3.   MetLife Core Property Fund GP, LLC (DE)                        

           a)   MetLife Core Property Fund, LP (DE) - MetLife Core Property Fund
                GP, LLC is the general partner of MetLife Core Property Fund, LP
               (the "Fund"). A substantial majority of the limited partnership
              interests in the Fund are held by third parties. The following
           affiliates hold a minority share of the limited partnership
               interests in the Fund: Metropolitan Life Insurance Company owns
      20.06%, Metropolitan Life Insurance Company (on behalf
              of Separate Account 746) owns 3.24%, MetLife Insurance Company
            of Korea Limited owns 2.91%, General American Life Insurance
         Company owns 0.07% and Brighthouse Life Insurance Company
owns 0.14%.                                     

i)   MetLife Core Property REIT, LLC (DE)       

                  1)    MetLife Core Property Holdings, LLC (DE) - MetLife
                          Core Property Holdings, LLC also holds the following
                      single-property limited liability companies: MCP
                       Alley 24 East, LLC, MCP Block 23 Member, LLC, MCP
                           Denver Pavilions Member, LLC, MCP Seventh and Osborne
                    Retail Member, LLC, MCP Seventh and Osborne MF
                        Member, LLC, MCP SoCal Industrial-Springdale, LLC,
                  MCP SoCal Industrial-Redondo, LLC, MCP SoCal
          Industrial-Concourse, LLC, MCP SoCal
         Industrial-Kellwood, LLC, MCP SoCal
         Industrial-Bernardo, LLC, MCP SoCal
                        Industrial-Anaheim, LLC, MCP SoCal Industrial-LAX,
                         LLC, MCP SoCal Industrial-Fullerton, LLC, MCP SoCal
                          Industrial-Ontario, LLC, MCP SoCal Industrial-Loker,
                           LLC, MCP Paragon Point, LLC, MCP 4600 South Syracuse,
                          LLC, MCP The Palms Doral, LLC, MCP Waterford Atrium,
                         LLC, MCP EnV Chicago, LLC, MCP 100 Congress Member,
                           LLC, MCP 1900 McKinney, LLC, MCP 550 West Washington,
                     LLC, MCP Main Street Village, LLC, MCP Lodge At
                        Lakecrest LLC, MCP Ashton South End, LLC, MCP 3040
                      Post Oak, LLC, MCP Plaza at Legacy, LLC, MCP VOA
                          Holdings, LLC, MCP VOA I& III, LLC, MCP VOA II, LLC,
                           MCP Highland Park Lender, LLC, MCP One Westside, LLC,
                       MCP 7 Riverway, LLC, MCP Trimble Campus, LLC, MCP
                          9020 Murphy Road, LLC, MCP Buford Logistics Center 2
                          Member, LLC, MCP Buford Logistics Center Building B,
                       LLC and MCPF Acquisition, LLC, MCP 60 11th Street
                         Member, LLC, MCP Magnolia Park Member, LLC, and MCP
                         Fife Enterprise Center, LLC, MCP Northyards Holdco,
                           LLC, MCP Northyards Owner, LLC, MCP Northyards Master
                     Lessee, LLC, 60 11th Street, LLC, Magnolia Park
                       GreenvilleVenture, LLC, Magnolia Park Greenville,
                      LLC, MCP 22745 & 22755 Relocation Drive LLC, MCP
                       DMCBP Phase II Member, LLC, MetLife Core Property
                           TRS, LLC, MCP Seattle Gateweay I Member, LLC, and MCP
                  Seattle Gateway II Member, LLC, MCP Mountain
                        Technology TRS, LLC, and MCP Burnside Member, LLC.

              aa)    MCP Property Management, LLC (DE)

4.   MIM Property Management, LLC (DE)                              

5.   MetLife Commercial Mortgage Income Fund GP, LLC (DE)           

     a)   MetLife Commercial Mortgage Income Fund, LP (DE) - MetLife
              Commercial Mortgage Income Fund GP, LLC is the general partner
              of MetLife Commercial Mortgage Income Fund, LP (the "Fund"). A
             majority of the limited partnership interests in the Fund are
               held by third parties. The following affiliates hold a minority
       share of the limited partnership interests in the Fund:
            Metropolitan Life Insurance Company owns 33.20%, Brighthouse
             Life Insurance Company owns 11.14%, MetLife Insurance Company
             of Korea, Limited owns 2.96%, MetLife Limited owns 3.54%, and
             Metropolitan Life Insurance Company of Hong Kong Limited owns
0.41%.                                          

i)   MetLife Commercial Mortgage REIT, LLC (DE) 

               1)   MetLife Commercial Mortgage Originator, LLC (DE)

   aa)    MCMIF Holdco I, LLC (DE)

6.   MLIA SBAF Manager, LLC (DE)                                    

L.    MetLife Services and Solutions, LLC (DE)                                  

1.   MetLife Solutions Pte. Ltd. (Singapore)                        

           a)    MetLife Services East Private Limited (India) - 99.99% is owned
         by MetLife Solutions Pte. Ltd. and .01% by Natiloportem
Holdings, LLC                                 

    b)    MetLife Global Operations Support Center Private Limited
                 (India) - 99.99999% is owned by MetLife Solutions Pte. Ltd. and
  0.00001% is owned by Natiloportem Holdings, LLC.

M.    SafeGuard Health Enterprises, Inc. (DE)                                   

1.   MetLife Health Plans, Inc. (DE)                                

2.   SafeGuard Health Plans, Inc. (CA)                              

3.   SafeHealth Life Insurance Company (CA)                         

4.   SafeGuard Health Plans, Inc. (FL)                              

5.   SafeGuard Health Plans, Inc. (NV)                              

6.   SafeGuard Health Plans, Inc. (TX)                              

N.    Cova Life Management Company (DE)                                         

O.    MetLife Reinsurance Company of Charleston (SC)                            

P.    MetLife Reinsurance Company of Vermont (VT)                               

Q.    Delaware American Life Insurance Company (DE)                             

R.    Federal Flood Certification LLC (TX)                                      

S.    MetLife Global Benefits, Ltd. (Cayman Islands)                            

T.    Inversiones Metlife Holdco Dos Limitada (Chile) - 99.99946% of Inversiones
     MetLife Holdco Dos Limitada is owned by MetLife, Inc., 0.000535% is owned
by MetLife International Holdings, LLC and 0.0000054% is owned by   
Natiloportem Holdings, LLC.                                         

Z.    MetLife Consumer Services, Inc. (DE)                                      

AA.   MetLife Global, Inc. (DE)                                                 

AB.   Brighthouse Financial, Inc. (DE) - On August 4, 2017, MetLife, Inc.("MET")
   distributed approximately 80.8% of the shares of Brighthouse Financial,
   Inc.'s ("BHF") common stock to MET's common shareholders.  As a result,
MET's ownership of the BHF shares of common stock decreased to      
    approximately 19.2%. MET granted BHF an irrevocable proxy to vote all of
    its remaining shares of BHF's common stock in proportion to the votes of
 BHF's other common shareholders.  Consequently, MET does not have any
   voting power over any BHF shares that it still owns.  Nevertheless, for
     the BHF subsidiary insurance companies domiciled in Delaware and New York
      (Brighthouse Life Insurance Company and Brighthouse Life Insurance Company
  of NY, respectively) BHF and its affiliates (including these insurance
    companies) are deemed to be affiliates of MET by their domiciliary state
  insurance regulators.  Accordingly, BHF and its affiliates continue to
appear on the MET organizational chart.                             

1.   Brighthouse Holdings, LLC (DE)                                 

a.   New England Life Insurance Company (MA)              

b.   Brighthouse Securities, LLC (DE)                     

c.   Brighthouse Services, LLC (DE)                       

d.   Brighthouse Investment Advisers, LLC (DE)            

e.   Brighthouse Life Insurance Company (DE               

              i.     Brighthouse Reinsurance Company of Delaware (DE) - 100%
                     is owned in the aggregate by Brighthouse Life Insurance
Company.                          

    ii.    Brighthouse Life Insurance Company of NY (NY)

            iii.   Brighthouse Connecticut Properties Ventures, LLC (DE)

iv.    Euro TL Investments LLC (DE)             

v.     Euro TI Investments LLC (DE)             

vi.    Brighthouse Assignment Company (CT)      

vii.   TLA Holdings LLC (DE)                    

viii.  TLA Holdings II LLC (DE)                 

ix.    ML 1065 Hotel, LLC (DE)                  

x.     TIC European Real Estate LP, LLC (DE)    

xi.    The Prospect Company (DE)                

xii.   Brighthouse Renewables Holding, LLC (DE) 

i.  Greater Sandhill I, LLC (DE)  

        xiii.  Daniel/Brighthouse Midtown Atlanta Master Limited
Liability Company (DE)            

i.  1075 Peachtree, LLC (DE)      

AC.   MetLife Insurance Brokerage, Inc. (NY)                                    

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AD.   American Life Insurance Company (ALICO) (DE)                              

1.    MetLife Insurance K.K. (Japan)                                

a)  Communication One Kabushiki Kaisha (Japan)    

2.    MetLife Global Holding Company I GmbH (SWISS) (Switzerland)   

      a)  MetLife, Life Insurance Company (Egypt) - 84.125% of
                MetLife, Life Insurance Company is owned by MetLife Global
                  Holding Company I GmbH and the remaining interests are owned
by third parties.                         

   b)  MetLife Global Holding Company II GmbH (Swiss II)
(Switzerland)                             

               i)   MetLife Emeklilik ve Hayat A.S. (Turkey) - 99.98% of
                   MetLife Emeklilik ve Hayat A.S. is owned by Metlife
                 Global Holding Company II GmbH (Swiss II) and the
remainder by third parties.     

    ii)  ALICO European Holdings Limited (Ireland)

1)  ZAO Master D (Russia)       

                          aa)  Joint-Stock Company MetLife Insurance Company
                               (Russia) - 51% of Joint Stock Company MetLife
                                Insurance Company is owned by ZAO Master D and
                        49% is owned by MetLife Global Holding
  Company II GmbH.

             iii) MetLife Asia Holding Company Pte. Ltd. (Singapore)

                1) MetLife Innovation Centre Pte. Ltd. (Singapore)

               iv) MetLife Reinsurance Company of Bermuda Ltd. (Bermuda)

                v)  MetLife Investment Management Limited (United Kingdom)

           vi) MM Global Operations Support Center, S.A. de C.V.
                   (Mexico) - 99.999509% of MM Global Operations Support
                    Center, S.A. de C.V. is held by MetLife Global Holding
                Company II GmbH (Swiss) and 0.00049095% is held by
            MetLife Global Holding Company I GmbH (Swiss).

        1. Fundacion MetLife Mexico, A.C. (Mexico)

           vii) MetLife Colombia Seguros de Vida S.A. (Colombia) -
                      89.9999659747771405% of MetLife Colombia Seguros de Vida
                      S.A. is owned by MetLife Global Holding Company II GmbH,
                     10.0000311579287982% is owned by MetLife Global Holding
            Company I GmbH, 0.000000955764687% is owned by
                    International Technical and Advisory Services Limited,
                    0.000000955764687%  is owned by Borderland Investments
                       Limited and 0.000000955764687%  by Natiloportem Holdings,
LLC.                              

            viii) PJSC MetLife (Ukraine) - 99.9988% of PJSC MetLife is
                     owned by MetLife Global Holding Company II GmbH, .0006%
                   is owned by ITAS and the remaining .0006% is owned by
Borderland Investments Limited.   

     ix) MetLife Innovation Centre Limited (Ireland)

       x) MetLife EU Holding Company Limited (Ireland)

                     1)  MetLife Europe d.a.c (Ireland) - MetLife EU Holding
                      Company Limited holds 96.00315040176985% of this
                           entity. ALICO holds 3.996758255760741% and ITAS holds
0.000091342469407%.       

                          1. MetLife Pension Trustees Limited (United Kingdom)

2)  Agenvita S.r.l. (Italy)       

                    3)  MetLife Europe Insurance d.a.c (Ireland) - MetLife
                           Europe Insurance d.a.c. is held by MetLife EU Holding
                         Company Limited at 93% and the remaining 7% is held
by Alico.                 

           4)  MetLife Europe Services Limited (Ireland)

             5)  MetLife Services, Sociedad Limitada (Spain)

                 6)  MetLife Slovakia S.r.o. (Slovakia) - 99.956% of
                    MetLife Slovakia S.r.o. is owned by MetLife EU
                          Holding Company Limited and 0.044% is owned by ITAS.

   7)  MetLife Solutions S.A.S. (France)

                   8) Metropolitan Life Societate de Administrare a unui
                        Fond de Pensii Administrat Privat S.A. (Romania) -
                99.9836% of Metropolitan Life Societate de
                           Administrare a unui Fond de Pensii Administrat Privat
                         S.A. is owned by MetLife EU Holding Company Limited
                        and 0.0164% is owned by MetLife Services Sp z.o.o.

             9)  MetLife Towarzystwo Ubiezpieczen na Zycie I
Reasekuracji S.A. (Poland)

             aa) MetLife Services Sp z.o.o. (Poland)

                      bb) MetLife Towarzystwo Funduszy Inwestycyjnych,
S.A. (Poland)     

                        cc) MetLife Powszechne Towarzystwo Emerytalne S.A.
(Poland)          

          10) MetLife Services Cyprus Limited (Cyprus)

                     aa) Hellenic Alico Life Insurance Company, Ltd.
                     (Cyprus) - 27.5% of Hellenic Alico Life
                         Insurance Company, Ltd. Is owned by MetLife
                          Services Cyprus Limited and the remaining is
     owned by a third party.

  11) MetLife Services EOOD (Bulgaria)

      12) MetLife Life Insurance S.A. (Greece)

                       aa) MetLife Mutual Fund Company (Greece) - 90% of
                             MetLife Mutual Fund Company is owned by MetLife
                            Life Insurance S.A. (Greece) and the remaining
by a third party. 

                   13) First American-Hungarian Insurance Agency Limited
(Hungary)                 

                 14) UBB-MetLife Zhivotozastrahovatelno Drujestvo AD
     (Bulgaria) - 40% of UBB-MetLife
                     Zhivotozastrahovatelno Drujestvo AD is owned by
                        MetLife EU Holding Company Limited and the rest by
third parties.            

                   xi) MetLife Investment Management Holdings (Ireland)Limited

               1) MetLife Investments Asia Limited (Hong Kong)

                2) MetLife Syndicated Bank Loan Lux GP, S.a.r.l.
(Luxembourg)              

                         aa) MetLife BL Feeder (Cayman), LP (Cayman Islands)

    bb) MetLife BL Feeder, LP (DE)

                 cc) MetLife Syndicated Bank Loan Fund, SCSp
(Luxembourg)      

xii) ALICO Operations LLC (DE)            

         1) MetLife Asset Management Corp. (Japan)

 2) MetLife Seguros S.A. (Uruguay)

  xiii) MetLife International Holdings, LLC (DE)

      1)   Natiloportem Holdings, LLC (DE)

                            aa)  Excelencia Operativa y Tecnologica, S.A. de
                                   C.V. (Mexico) - 99% of Excelencia Operativa y
                          Tecnologica, S.A. de C.V. is held by
                                  Natiloportem Holdings, LLC and 1% by MetLife
                   Mexico Servicios S.A. de C.V.

                                   i)   MLA Comercial, S.A. de C.V. (Mexico) 99%
                                  is owned by Excelencia Operativa y
                                Tecnologica, S.A. de C.V. and 1%
                                     is owned by MetLife Mexico Servicios,
            S.A. de C.V.

                                   ii)  MLA Servicios, S.A. de C.V. (Mexico) 99%
                                  is owned by Excelencia Operativa y
                                   Tecnologica, S.A. de C.V. and 1% is
                                       owned by MetLife Mexico Servicios, S.A.
       de C.V.

                  2)   PNB MetLife India Insurance Company Limited
                          (India)- 26% is owned by MetLife International
                            Holdings, LLC and 74% is owned by third parties.

                       3)   Metropolitan Life Insurance Company of Hong Kong
                              Limited (Hong Kong)- 99.99935% is owned by MetLife
                              International Holdings, Inc. and 0.00065% is owned
           by Natiloporterm Holdings, LLC.

                    4)   MetLife Seguros S.A. (Argentina)- 95.5242% is
                         owned by MetLife International Holdings, LLC,
                          2.6753% is owned by Natiloportem Holdings, LLC
and 1.8005% by ITAS.

                      5)   Metropolitan Life Seguros e Previdencia Privada
                     S.A. (Brazil)-66.662% is owned by MetLife
                            International Holdings, LLC, 33.337% is owned by
                         MetLife Worldwide Holdings, LLC and 0.001% is
                owned by Natiloportem Holdings, LLC.

                         6)   MetLife Administradora de Fundos Multipatrocinados
                 Ltda. (Brazil) - 99.99998% of MetLife
                            Administradora de Fundos Multipatrocinados Ltda.
                           is owned by MetLife International Holdings, LLC
                       and 0.00002% by Natiloportem Holdings, LLC.

                   7)   MetLife Seguros de Retiro S.A. (Argentina) -
                      96.8897% is owned by MetLife International
                           Holdings, LLC, 3.1102% is owned by Natiloportem
             Holdings, LLC and 0.0001% by ITAS

                      8)   Best Market S.A. (Argentina) - 5% of the shares
                             are held by Natiloportem Holdings, LLC and 95% is
                         owned by MetLife International Holdings, LLC.

                    9)   Compania Inversora MetLife S.A. (Argentina) -
                              95.46% is owned by MetLife International Holdings,
                            LLC and 4.54% is owned by Natiloportem Holdings,
LLC.                

                             aa)   MetLife Servicios S.A. (Argentina) - 18.87%
                                   of the shares of MetLife Servicios S.A. are
                                held by Compania Inversora MetLife S.A.,
                                79.88% is owned by MetLife Seguros S.A.,

                                 .   99% is held by Natiloportem Holdings,
       LLC and

                             .   26% is held by MetLife Seguros de
           Retiro S.A.

         10)    MetLife Worldwide Holdings, LLC (DE)

             aa)   MetLife Limited (Hong Kong)

                                 i)    BIDV MetLife Life Insurance Limited
                                        Liability Company (Vietnam) - 60% of
                                       BIDV MetLife Life Insurance Limited
                                        Liability Company is held by MetLife
                                         Limited (Hong Kong) and the remainder
                    by third parties

            11)    MetLife International Limited, LLC (DE)

                  12)    MetLife Planos Odontologicos Ltda. (Brazil) -
                     99.999% is owned by MetLife International
                             Holdings, LLC and 0.001% is owned by Natiloportem
Holdings, LLC.      

     13)    MetLife Asia Limited (Hong Kong)

                       14)    AmMetLife Insurance Berhad (Malaysia) - 50.000001%
                             of AmMetLife Insurance Berhad is owned by MetLife
                            International Holdings, LLC and the remainder is
   owned by a third party.

                     15)    AmMetLife Takaful Berhad (Malaysia) - 49.999999%
                           of AmMetLife Takaful Berhad is owned by MetLife
                            International Holdings, LLC and the remainder is
   owned by a third party.

                 16)    MAXIS GBN S.A.S. (France) - 50% of MAXIS GBN
                             S.A.S. is held by MetLife International Holdings,
                   LLC and the remainder by third parties.

                     17)    MetLife Mas S.A. de C.V. (Mexico) - 99.99964399%
                     MetLife Mas, SA de CV is owned by MetLife
                         International Holdings, LLC and .00035601% is
                         owned by International Technical and Advisory
Services Limited.   

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                  18)   MetLife Ireland Holdings One Limited (Ireland)

                           aa)   MetLife Global Holdings Corporation S.A. de
                               C.V. (Mexico/Ireland) - 98.9% is owned by
                                   MetLife Ireland Holdings One Limited and 1.1%
                                is owned by MetLife International Limited,
LLC.      

                          i)    MetLife Ireland Treasury d.a.c
           (Ireland)

                                 1)    MetLife General Insurance
                                 Limited (Australia)

                                 2)    MetLife Insurance Limited
                                        (Australia) - 91.16468% of
                                       MetLife Insurance Limited
                                             (Australia) is owned by MetLife
                                        Ireland Treasury d.a.c and
                                          8.83532% is owned by MetLife
                                           Global Holdings Corp. S.A. de
                  C.V.

                                          aaa)  The Direct Call Centre
                                                 PTY Limited (Australia)

                                           bbb)  MetLife Investments PTY
                                             Limited (Australia)

                                                     i)    MetLife Insurance and
                                                      Investment Trust
                                                   (Australia) -
                                                           MetLife Insurance and
                                                         Investment Trust is
                                                          a trust vehicle, the
                                                         trustee of which is
                                                         MetLife Investments
                                                           PTY Limited ("MIPL").
                                                      MIPL is a wholly
                                                         owned subsidiary of
                                                       MetLife Insurance
                                              Limited.

                               ii)   Metropolitan Global Management, LLC
                                  (DE/Ireland) - 99.7% is owned by
                                     MetLife Global Holdings Corporation
                                   S.A. de C.V. and 0.3% is owned by
                                      MetLife International Holdings, LLC.

                                aaa)  MetLife Mexico Holdings,
                                           S. de R.L. de C.V. (Mexico) -
                                   99.99995% is owned by
                                             Metropolitan Global Management,
                                          LLC, and .00005% is owned by
                                    Excelencia Operativa y
                                      Tecnologica,S.A. de C.V.

                                     bbb)  MetLife Pensiones Mexico S.A.
                                            (Mexico)- 97.5125% is owned by
                                      MetLife Mexico Holdings,
                                               S. de R.L. de C.V. and 2.4875% is
                                            owned by MetLife International
                            Holdings, LLC.

                                      ccc)  MetLife Mexico Servicios, S.A.
                                             de C.V. (Mexico) - 98% is owned
                                         by MetLife Mexico Holdings,
                                          S. de R.L. de C.V. and 2% is
                                            owned by MetLife International
                            Holdings, LLC.

                                     ddd)  MetLife Mexico S.A. (Mexico)-
                                    99.050271% is owned by
                                      MetLife Mexico Holdings,
                                              S. de R.L. de C.V. and 0.949729%
                                               is owned by MetLife International
                            Holdings, LLC.

                                               1)    MetLife Afore, S.A. de C.V.
                                                   (Mexico)- 99.99% is owned
                                                    by MetLife Mexico S.A. and
                                                   0.01% is owned by MetLife
                                               Pensiones Mexico S.A.

                                                   aaaa)  Met1 SIEFORE, S.A.
                                                          de C.V. (Mexico) -
                                                          99.99% is owned by
                                                           MetLife Afore, S.A.
                                                           de C.V. and .01% is
                                                        owned by MetLife
                                                   Mexico S.A.

                                                   bbbb)  Met2 SIEFORE, S.A.
                                                          de C.V. (Mexico) -
                                                          99.99% is owned by
                                                           MetLife Afore, S.A.
                                                           de C.V. and .01% is
                                                        owned by MetLife
                                                   Mexico S.A.

                                             cccc)  MetA SIEFORE
                                                          Adicional, S.A. de
                                                       C.V. (Mexico) -
                                                          99.99% is owned by
                                                           MetLife Afore, S.A.
                                                           de C.V. and .01% is
                                                        owned by MetLife
                                                   Mexico S.A.

                                                     dddd)  Met3 SIEFORE Basica,
                                                    S.A. de C.V.
                                                            (Mexico) - 99.99% is
                                                        owned by MetLife
                                                           Afore, S.A. de C.V.
                                                         and .01% is owned
                                                         by MetLife Mexico
                                            S.A.

                                                   eeee)  Met4 SIEFORE, S.A.
                                                          de C.V. (Mexico) -
                                                          99.99% is owned by
                                                           MetLife Afore, S.A.
                                                           de C.V. and .01% is
                                                        owned by MetLife
                                                   Mexico S.A.

                                                   ffff)  Met0 SIEFORE, S.A.
                                                          de C.V. (Mexico) -
                                                       99.99% is owned
                                                         by MetLife Afore,
                                                        S.A. de C.V. and
                                                        .01% is owned by
                                                      MetLife Mexico
                                            S.A.

                                             2)    ML Capacitacion Comercial
                                                    S.A. de C.V.(Mexico) - 99%
                                                    is owned by MetLife Mexico
                                                 S.A. and 1% is owned by
                                                   MetLife Mexico Servicios,
                                      S.A. de C.V.

                                    eee)  MetLife Insurance Company of
                                          Korea Limited (South Korea)-
                                        14.64% is owned by MetLife
                                        Mexico, S.A. and 85.36% is
                                          owned by Metropolitan Global
                              Management, LLC.

                                               1)    MetLife Financial Services,
                                                 Co., Ltd. (South Korea)

3.    International Investment Holding Company Limited (Russia)     

4.    Borderland Investments Limited (DE)                           

           a)    ALICO Hellas Single Member Limited Liability Company (Greece)

     5.    International Technical and Advisory Services Limited ("ITAS") (DE)

      6.    ALICO Properties, Inc. (DE) - 51% of ALICO Properties, Inc. is owned
        by ALICO and the remaining interests are owned by third parties.

a)    Global Properties, Inc. (DE)                      

7.    MetLife American International Group and Arab National Bank   
     Cooperative Insurance Company (Saudi Arabia) - 30% of MetLife
       American International Group and Arab National Bank Cooperative
         Insurance Company is owned by ALICO and the remaining interest by
      third parties. The Delaware Department of Insurance approved a
    disclaimer of affiliation and therefore, this company is not
considered an affiliate under Delaware Law.             

AF.   General American Life Insurance Company (MO)                              

a.    GALIC Holdings LLC (DE)                                       

AG.   MetLife European Holdings, LLC (DE)                                       

AH.   MetLife Investment Management Holdings, LLC (DE)                          

a)   Logan Circle Partners GP, LLC (PA)                             

b)   Logan Circle Partners, L.P. (PA)                               

i)    Logan Circle Partners I LLC (PA)                    

 ii)   Logan Circle Partners Investment Management, LLC (DE)

c)   MetLife Real Estate Lending Manager LLC (DE)                   

d)   MetLife Real Estate Lending LLC (DE)                           

1) The voting securities (excluding directors' qualifying shares, if any) of    
each subsidiary shown on the organizational chart are 100% owned by their       
respective parent corporation, unless otherwise indicated.                      

2) The Metropolitan Money Market Pool and MetLife Intermediate Income Pool are  
pass-through investment pools, of which Metropolitan Life Insurance Company     
and/or its subsidiaries and/or affiliates are general partners.                 

3) The MetLife, Inc. organizational chart does not include real estate joint    
ventures and partnerships of which MetLife, Inc. and/or its subsidiaries is an  
investment partner. In addition, certain inactive subsidiaries have also been   
omitted.                                                                        

4) MetLife Services EEIG is a cost-sharing mechanism used in the EU for EU-     
affiliated members.                                                             

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ITEM 27. NUMBER OF CONTRACT OWNERS                                              

As of January 31, 2017, there were 685,154 owners of qualified contracts and    
158,708 owners of non-qualified contracts offered by the Registrant             
(Metropolitan Life Separate Account E).                                         

ITEM 28. INDEMNIFICATION                                                        

As described in their respective governing documents, MetLife, Inc. (the        
ultimate parent of the Depositor and MetLife Investors Distribution Company,    
the Registrant's principal underwriter (the "Underwriter")), which is           
incorporated in the state of Delaware, and the Depositor, which is incorporated 
in the state of New York, shall indemnify any person who is made or is          
threatened to be made a party to any civil or criminal suit, or any             
administrative or investigative proceeding, by reason of the fact that such     
person is or was a director or officer of the respective company, under certain 
circumstances, against liabilities and expenses incurred by such person.        

MetLife, Inc. also has adopted a policy to indemnify employees ("MetLife        
Employees") of MetLife, Inc. or its affiliates ("MetLife"), including any       
MetLife Employees serving as directors or officers of the Depositor or the      
Underwriter. Under the policy, MetLife, Inc. will, under certain circumstances, 
indemnify MetLife Employees for losses and expenses incurred in connection with 
legal actions threatened or brought against them as a result of their service   
to MetLife. The policy excludes MetLife directors and others who are not        
MetLife Employees, whose rights to indemnification, if any, are as described in 
the charter, bylaws or other arrangement of the relevant company.               

MetLife, Inc. also maintains a Directors and Officers Liability and Corporate   
Reimbursement Insurance Policy under which the Depositor and the Underwriter,   
as well as certain other subsidiaries of MetLife, are covered. MetLife, Inc.    
also has secured a Financial Institutions Bond.                                 

Insofar as indemnification for liability arising under the Securities Act of    
1933 may be permitted to directors, officers and controlling persons of the     
Company, pursuant to the foregoing provisions, or otherwise, the Company has    
been advised that in the opinion of the Securities and Exchange Commission such 
indemnification is against public policy as expressed in the Act and is,        
therefore, unenforceable. In the event that a claim for indemnification against 
such liabilities (other than the payment by the Company of expenses incurred or 
paid by a director, officer or controlling person of the Company in the         
successful defense of any action, suit or proceeding) is asserted by such       
director, officer or controlling person in connection with the securities being 
registered, the Company will, unless in the opinion of its counsel the matter   
has been settled by controlling precedent, submit to a court of appropriate     
jurisdiction the question whether such indemnification by it is against public  
policy as expressed in the Act and will be governed by the final adjudicationof 
such issue.                                                                     

ITEM 29. PRINCIPAL UNDERWRITER                                                  

MetLife Investors Distribution Company is the principal underwriter for the     
following investment companies (including the Registrant):                      
General American Separate Account Eleven                                        
General American Separate Account Twenty-Eight                                  
General American Separate Account Twenty-Nine                                   
General American Separate Account Two                                           

Metropolitan Life Separate Account E                                            
Metropolitan Life Separate Account UL                                           
Metropolitan Life Variable Annuity Separate Account II                          

Metropolitan Tower Life Separate Account One                                    
Metropolitan Tower Life Separate Account Two                                    

New England Life Retirement Investment Account                                  
New England Variable Annuity Fund I                                             

Paragon Separate Account A                                                      
Paragon Separate Account B                                                      

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Paragon Separate Account C                                                      
Paragon Separate Account D                                                      

Security Equity Separate Account Twenty-Six                                     
Security Equity Separate Account Twenty-Seven                                   

Separate Account No. 13S                                                        

(b)        MetLife Investors Distribution Company is the principal underwriter  
         for the Contracts. The following persons are officers and directors
       of MetLife Investors Distribution Company. The principal business
    address for MetLife Investors Distribution Company is 200 Park
Avenue, New York, NY 10166.                               

                                                                [Download Table]

NAME AND PRINCIPAL     POSITIONS AND OFFICES                                     
BUSINESS ADDRESS       WITH UNDERWRITER                                          
---------------------  ----------------------------------------------------------
                                                                                 
Elizabeth M. Forget    Chairman, President, Chief Executive Officer and Director 
200 Park Avenue                                                                  
New York, NY 10166                                                               

                                                                [Download Table]
                                                        
Todd Nevenhoven              Vice President and Director
4700 Westown Pkwy                                       
Suite 200                                               
West Des Moine, IA 50266                                

                                                                [Download Table]
                                     
Bradd Chignoli               Director
501 Route 22                         
Bridgewater, NJ 08807                

                                                                [Download Table]
                                            
Derrick Kelson                      Director
Gragg Building                              
11225 North Community House Road            
Charlotte, NC 28277                         

                                                                [Download Table]
                               
Thomas Schuster        Director
200 Park Avenue                
12th Floor                     
New York, NY 10166             

                                                                [Download Table]
                                                  
Todd Katz                 Executive Vice President
501 Route 22                                      
Bridgewater, NJ 08807                             

                                                                [Download Table]
                                                  
Marlene Debel             Executive Vice President
200 Park Avenue                                   
New York, NY 10166                                

                                                                [Download Table]
                                                                     
Elisabeth Bedore          Vice President and Chief Compliance Officer
One MetLife Way                                                      
Whippany, NJ 07981                                                   

                                                                [Download Table]
                                                     
Tyla L. Reynolds         Vice President and Secretary
600 North King Street                                
Wilmington, DE 19801                                 

                                                                [Download Table]
                                                   
Charles Connery        Vice President and Treasurer
One MetLife Way                                    
Whippany, NJ 08807                                 

                                                                [Download Table]
                                          
Jamie Zaretsky         Chief Legal Officer
200 Park Avenue                           
New York, NY 10166                        

Compensation from the Registrant. The following commissions and other           
 compensation were received by the Distributor, directly or indirectly, from
the Registrant during the Registrant's last fiscal year:                  

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                                                        [Enlarge/Download Table]

                                                      (2)                                                           
                     (1)                       NET UNDERWRITING         (3)             (4)                         
              NAME OF PRINCIPAL                  DISCOUNTS AND    COMPENSATION ON    BROKERAGE           (5)        
                 UNDERWRITER                      COMMISSIONS        REDEMPTION     COMMISSIONS   OTHER COMPENSATION
--------------------------------------------- ------------------ ----------------- ------------- -------------------
                                                                                                                    
MetLife Investors Distribution Company....... $84,338,194        $0                $0            $0                 

ITEM 30. LOCATION OF ACCOUNTS AND RECORDS                                       

The following companies will maintain possession of the documents required by   
Section 31(a) of the Investment Company Act of 1940 and the Rules thereunder:   

Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166        

MetLife, One Financial Center, Boston, MA 02111                                 

MetLife, 18210 Crane Nest Drive, Tampa, FL 33647                                

ITEM 31. MANAGEMENT SERVICES                                                    

Not Applicable.                                                                 

ITEM 32. UNDERTAKINGS                                                           

The undersigned Registrant hereby undertakes:                                   

(a)        To file a post-effective amendment to this registration statement as 
     frequently as is necessary to ensure that the audited financial
          statements in the registration statement are never more than sixteen
   months old for so long as payments under the variable annuity
contracts may be accepted;                                

(b)        To include either (1) as part of any application to purchase a       
       contract offered by the prospectus, a space that an applicant can
      check to request a Statement of Additional Information, or (2) a
          post card or similar written communication affixed to or included in
          the prospectus that the applicant can remove to send for a Statement
of Additional Information; and                            

(c)        To deliver with any Statement of Additional Information and any      
        financial statements required to be made available under this Form
N-4 promptly upon written or oral request.                

(d)        The undersigned registrant represents that for its TSA variable      
annuities it is relying on the "no-action" position of the
         Commission staff as contained in its November 7, 1988 letter to the
  American Council of Life Insurance and has complied with the
 provisions of numbered paragraphs (1) - (4) of such letter.

(e)        The undersigned registrant represents that with respect to its TSA   
         ERISA variable annuities, it is relying on the "no-action" position
        of the Commission staff as contained in its August 20, 2012 letter
         to the ING Life Insurance and Annuity Company and has complied with
the provisions of such letter.                            

Metropolitan Life Insurance Company hereby represents that the aggregate fees   
and charges under the Contracts of the Registrant described herein are          
reasonable in relation to the services rendered, the expenses expected to be    
incurred, and the risks assumed by the Metropolitan Life Insurance Company under
the Contracts.                                                                  

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SIGNATURES  

As required by the Securities Act of 1933 and the Investment Company Act of     
1940, the Registrant certifies that it meets the requirements of Securities Act 
Rule 485(b) for effectiveness of this Registration Statement and has caused     
this Registration Statement to be signed on its behalf, in the city of          
Bridgewater, and the state of New Jersey, on this 10th day of April 2018.       

                                METROPOLITAN LIFE SEPARATE ACCOUNT E
        (Registrant)

                                   BY: METROPOLITAN LIFE INSURANCE COMPANY
       (Depositor)

                   BY:  /s/Sabrina K Model
                                           -------------------------------------
                      Sabrina K. Model
                    Vice President

                                   BY: METROPOLITAN LIFE INSURANCE COMPANY
       (Depositor)

                   BY:  /s/Sabrina K Model
                                           -------------------------------------
                      Sabrina K. Model
                    Vice President

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SIGNATURES  

As required by the Securities Act of 1933, this Registration Statement has been 
signed by the following persons in the capacities indicated on April 10, 2018.  

Signature                                Title    
---------                                -----    

*                                         
-------------------------------------                                         
Steven Kandarian                       Chairman, President, Chief Executive   
                                    Officer and Director

*                                         
-------------------------------------                                         
Cheryl W. Grise                                      Director                 

*                                         
-------------------------------------                                         
Carlos Gutierrez                                     Director                 

*                                         
-------------------------------------                                         
Gerald L. Hassell                                    Director                 

*                                         
-------------------------------------                                         
David Herzog                                         Director                 

*                                         
-------------------------------------                                         
R. Glenn Hubbard                                     Director                 

*                                         
-------------------------------------                                         
Alfred F. Kelly, Jr.                                 Director                 

*                                         
-------------------------------------                                         
Edward J. Kelly, III                                 Director                 

*                                         
-------------------------------------                                         
William E. Kennard                                   Director                 

*                                         
-------------------------------------                                         
James Kilts                                          Director                 

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*                                         
-------------------------------------                                         
Catherine Kinney                                     Director                 

*                                         
-------------------------------------                                         
Denise M. Morrison                                   Director                 

By:  /s/ Heather Harker                                                         
--------------------------                                            
Heather Harker                                                        
Attorney-In-Fact                                                      
April 10, 2018                                                        

* Metropolitan Life Insurance Company. Executed by Heather Harker, on behalf of 
those indicated pursuant to powers of attorney as filed with Post-Effective     
Amendment No. 20 to Registration Statement File Nos. 333-176654/811-04001 filed 
on April 10, 2018 and hereby incorporated by reference.                         

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Exhibit Index 

                                                                [Download Table]
                                                                                
3(a).       Form of Amended and Restated Principal Underwriting Agreement       

3(i)(iii).  Amended and Restated Participation Agreement among Fidelity and MLIC

10.         Consent of Independent Registered Public Accounting Firm